TECHNICAL FIELD

The subject matter is generally related to telematics, and more particularly, it relates to home telematics devices used for enhancing insurance services in the insurance industry.

BACKGROUND

Telematics is concerned with sending, receiving, and storing information via telecommunication devices in connection with the control of remote objects. Currently, telematics is implemented to track vehicles, in which case, the idiom is vehicle telematics. Vehicle telematics uses telecommunications and applications in vehicles to educe the behavior of drivers while vehicles are moving. Such educed behaviors influence insurance services that are offered to the drivers. There has been no application of telematics for use in the home.

SUMMARY

This summary is provided to introduce a selection of concepts in a simplified form that are further described below in the Detailed Description. This summary is not intended to identify key features of the claimed subject matter, nor is it intended to be used as an aid in determining the scope of the claimed subject matter.

One aspect of the present subject matter includes a system form reciting a system comprising a voltage noise home telematics device, the hardware structure of which identifies device signatures of devices in a home that generate voltage noise detectable at an outlet. The system further comprises a claims inspections computer, the hardware structure of which is suitable for facilitating filing of a claim for a device that is stolen, damaged, or lost, the absence of the device being identified by the lack of its device signature formed from the voltage noise generated by the device.

Another aspect includes a method form of the subject matter reciting a method comprising streaming disturbances of operating devices in a home to sampling hardware, conditioning the disturbances in a form of a stream, sliding a sampling window to digitally sample the stream forming digitized samples, acquiring digitally a vector of features from the digitized samples, reacquiring the digitized samples if the vector of features has changed, storing the vector of features as a device signature of a device if the device is new, classifying the device as a type of device found in the home, and preparing electronically an insurance claim for the device by using the device signature of the device, the absence of the device being identified by the lack of its device signature formed from the vector of features generated by the device.

A further aspect includes a computer-readable medium form of the subject matter reciting a computer-readable medium, which is non-transient, having computer-executable instructions stored thereon for implementing a method comprising streaming disturbances of operating devices in a home to sampling hardware, conditioning the disturbances in a form of a stream, sliding a sampling window to digitally sample the stream forming digitized samples, acquiring digitally a vector of features from the digitized samples, reacquiring the digitized samples if the vector of features has changed, storing the vector of features as a device signature of a device if the device is new, comparing the vector of features against the stored device signature of the device, and flagging fraud if the vector of features indicates the presence of the device.

