Systems and methods for improved assisted or independent living environments

Abstract

The present embodiments relate to detecting instances of individuals being in peril within an independent or assisted living environment. According to certain aspects, with an individual's permission or affirmative consent, a hardware controller (such as a smart or interconnected home controller, or even a mobile device) may receive and analyze sensor data detected within the independent or assisted living environment to determine whether an individual may be in peril. In this circumstance, the hardware controller may generate a notification that indicates the situation and may communicate the notification to a proper individual, such as a family member or care giver, who may be in a position to mitigate or alleviate any risks posed by the situation. The foregoing functionality also may be used by an insurance provider to generate, update, or adjust insurance policies, premiums, rates, or discounts, and/or make recommendations to an insured individual.

What is claimed: 
     
         1 . A computer-implemented method of smart home control and/or automation directed to independent living, the method comprising:
 receiving data, via a smart home controller, indicating a normal routine of a person;   analyzing the data, via the smart home controller, to learn the normal routine of the person over time from the analysis of the data;   receiving present data, via the smart home controller, indicating an activity of the person;   comparing the present data, via the smart home controller, with the normal routine of the person learned over time to detect an abnormal condition of the person;   generating, via the smart home controller, a wireless communication message indicating the abnormal condition; and   transmitting, via the smart home controller, the wireless communication message indicating the abnormal condition to a mobile device of a family member or caregiver.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein the data indicating the normal routine of the person indicates at least one of: a time of day the person usually (i) wakes, (ii) goes to sleep, (iii) watches television, (iv) cooks, or (v) leaves the house. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to establish a baseline of normal conditions for a property or portion of the property. 
     
     
         4 . The computer-implemented method of  claim 3 , wherein the smart home controller is configured to determine whether one or more parameters deviate from the baseline of normal conditions. 
     
     
         5 . The computer-implemented method of  claim 3 , wherein the smart home controller is configured to direct or control, via wired or wireless communication, operation of one or more pieces of smart equipment within the insured home. 
     
     
         6 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to determine that the person has fallen. 
     
     
         7 . The computer-implemented method of  claim 6 , wherein the smart home controller is configured to determine an estimated level of severity of an injury to the person. 
     
     
         8 . The computer-implemented method of  claim 6 , wherein the smart home controller is configured to identify a location of the person. 
     
     
         9 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to analyze movement data to determine the abnormal condition, wherein the abnormal condition is a home occupant injury. 
     
     
         10 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to (i) analyze movement data to determine the abnormal condition from a lack of movement within the home for pre-determined threshold of time, and (ii) transmit an electronic message to a mobile device. 
     
     
         11 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to (i) analyze the present data to determine (a) a likely severity of a fall taken by the person, and (b) whether the person has gotten up, and (ii) generate and transmit a corresponding wireless communication message to a mobile device of family member, friend, neighbor, or caregiver. 
     
     
         12 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to analyze the present data to determine that the person has fallen while taking a shower, and
 the smart home controller generates and transmits a wireless communication message to a mobile device of an insured, family member, friend, neighbor, or caregiver.   
     
     
         13 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to analyze acceleration data to determine that the person has fallen. 
     
     
         14 . The computer-implemented method of  claim 1 , wherein the smart home controller is configured to analyze wearable data to determine that the person has fallen. 
     
     
         15 . The computer-implemented method of  claim 1 , wherein:
 the present data received and analyzed by the smart home controller includes audio data; and   the smart home controller is configured to determine that an insured has fallen from voice recognition or vibrations contained within the audio data.   
     
     
         16 . The computer-implemented method of  claim 15 , wherein:
 the smart home controller is configured to determine an estimated level of severity of an injury to the person from analysis of the audio data.   
     
     
         17 . The computer-implemented method of  claim 1 , wherein:
 the smart home controller is configured to analyze smart door data to determine whether the person has entered or exited the insured home.   
     
     
         18 . The computer-implemented method of  claim 1 , wherein:
 the smart home controller analyzes sound or audio data generated by a sound detector or other sensor to identify an abnormal sound condition within the home.