# US 12,217,315 B2 · Systems and methods for generating contextually relevant device protections > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,217,315 B2 - Document ID: US12217315B2 - Status: Granted - Kind: B2 - Application number: 18/456,005 - Filed: 2023-08-25 - Published: 2023-12-14 - Granted: 2025-02-04 - Earliest claimed: 2018-05-04 - Assignees: Assurant, Inc. - Applicants: Assurant, Inc. - Inventors: Biju Nair; Rajiv K. Dwivedi; Sanida D. Bratt; Joseph Settimi; Chintan Shah - Web page: https://patentgrep.com/patent/US12217315B2 ## CPC - G06Q 40/08: Insurance - G06F 16/2455: Query execution - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Systems and methods are disclosed herein that can detect at least one activity by parsing text from an operation of a consumer electronics device and determine that the at least one activity matches a risk scenario. ## Claims ### Claim 1 A method for automatically protecting a consumer electronics device, the method comprising: detecting, by at least one processor, at least one activity by parsing text from an operation of the consumer electronics device, wherein the at least one activity is identified by the at least one processor as occurring in the future; determining, by the at least one processor, that the at least one activity matches a risk scenario; and causing automatic initiation, via a first software application, of a new backup of the consumer electronics device (i) in response to a determination that the at least one activity matches the risk scenario and (ii) prior to the occurrence of the at least one activity. ### Claim 2 (depends on 1) The method of claim 1, wherein the at least one activity is detected by parsing the text from at least one of a text message, an email, or a destination address. ### Claim 3 (depends on 1) The method of claim 1, wherein the at least one activity is detected by monitoring a user interface of the consumer electronics device to detect the text to parse. ### Claim 4 (depends on 1) The method of claim 1, wherein the determining, by the at least one processor, that the at least one activity matches the risk scenario comprises determining that the at least one activity matches at least one risk scenario of a defined list of risk scenarios. ### Claim 5 (depends on 4) The method of claim 4, wherein each risk scenario of the defined list of risk scenarios represents a consumer activity indicated as a risk of physical damage or loss to the consumer electronics device during the consumer activity. ### Claim 6 (depends on 1) The method of claim 1, wherein detecting, by the at least one processor, the at least one activity by parsing the text comprises programmatically reading the text and identifying a public event or an international location in the text. ### Claim 7 (depends on 1) The method of claim 1, wherein detecting, by the at least one processor, the at least one activity by parsing the text comprises determining that the text comprises a confirmation of a purchase of a ticket to a public event or an international location. ### Claim 8 (depends on 1) The method of claim 1, further comprising causing automatic initiation, via the first software application, of a registration of the at least one activity on a cloud server in response to the determination that the at least one activity matches the risk scenario. ### Claim 9 (depends on 1) The method of claim 1, further comprising causing automatic generation, via the first software application, of a notification message (i) in response to the determination that the at least one activity matches the risk scenario and (ii) prior to the occurrence of the at least one activity. ### Claim 10 (depends on 1) The method of claim 1, further comprising: monitoring the consumer electronics device to determine that an age of a last backup of the consumer electronics device exceeds a time threshold value; and causing automatic initiation, via the first software application, of the new backup of the consumer electronics device in response to the determination that the age of the last backup of the consumer electronics device exceeds the time threshold value. ### Claim 11 (depends on 1) The method of claim 1, further comprising: determining a make and a model of a consumer electronics device; determining an index value for the make and the model of the consumer electronics device; and determining whether the index value exceeds a threshold value and, responsive thereto, offering a price to insure the consumer electronics device that is discounted from a standard rate, wherein the index value includes a replacement cost metric index value or a durability index value. ### Claim 12 A system for automatically protecting a consumer electronics device, the system comprising: at least one processor configured to: detect at least one activity by parsing text from an operation of the consumer electronics device, wherein the at least one activity is identified as occurring in the future; determine that the at least one activity matches a risk scenario; and cause automatic initiation, via a first software application, of a new backup of the consumer electronics device (i) in response to a determination that the at least one activity matches the risk scenario and (ii) prior to the occurrence of the at least one activity. ### Claim 13 (depends on 12) The system of claim 12, wherein the at least one processor detects the at least one activity by parsing the text indicated by at least one of a text message, an email, or a destination address. ### Claim 14 (depends on 12) The system of claim 12, wherein the at least one processor detects the at least one activity by monitoring a user interface of the consumer electronics device to detect the text to parse. ### Claim 15 (depends on 12) The system of claim 12, wherein the at least one processor determines that the at least one activity matches the risk scenario by determining that the at least one activity matches at least one risk scenario of a defined list of risk scenarios. ### Claim 16 (depends on 15) The system of claim 15, wherein each risk scenario of the defined list of risk scenarios represents a consumer activity indicated as a risk of physical damage or loss to the consumer electronics device during the consumer activity. ### Claim 17 (depends on 12) The system of claim 12, wherein the at least one processor detects the at least one activity by: programmatically reading the text and identifying a public event or an international location in the text, or determining that the text comprises a confirmation of a purchase of a ticket to a public event or an international location. ### Claim 18 (depends on 12) The system of claim 12, wherein the at least one processor is further configured to cause automatic initiation, via the first software application, of a registration of the at least one activity on a cloud server in response to the determination that the at least one activity matches the risk scenario. ### Claim 19 (depends on 12) The system of claim 12, wherein the at least one processor is further configured to cause automatic initiation, via the first software application, of a notification message (i) in response to the determination that the at least one activity matches the risk scenario and (ii) prior to the occurrence of the at least one activity. ### Claim 20 (depends on 12) The system of claim 12, wherein the at least one processor is further configured to: monitor the consumer electronics device to determine that an age of a last backup of the consumer electronics device exceeds a time threshold value; and cause automatic initiation, via the first software application, of the new backup of the consumer electronics device in response to the determination that the age of the last backup of the consumer electronics device exceeds the time threshold value.