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    ASSESSING RISK USING VEHICLE ENVIRONMENT INFORMATION
    12.
    发明申请
    ASSESSING RISK USING VEHICLE ENVIRONMENT INFORMATION 有权
    使用车辆环境信息评估风险

    公开(公告)号：US20150112730A1

    公开(公告)日：2015-04-23

    申请号：US14057419

    申请日：2013-10-18

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Todd Binion ,  Joe Harr ,  Brian Fields ,  Steven Cielocha ,  Steve J. Balbach

    IPC: G06Q40/08 ,  G07C5/00

    CPC classification number: G06Q40/08 ,  G07C5/008

    Abstract: A method includes receiving first sensor data representing information collected, during a first time period, by a sensor located on or in a vehicle configured to sense an environment external to the vehicle, storing the data in a memory, processing the data to determine a first set of one or more characteristics of the external environment, and determining, based on the first set of characteristics, a first risk indicator representing a risk of loss during the first time period. The method also includes receiving second sensor data representing information collected, during a second time period, by the sensor, storing the data in the memory, and processing the data to determine a second set of one or more characteristics of the external environment. The method also includes determining, based on the second set of characteristics, a second risk indicator representing a risk of loss during the second time period.

    Abstract translation: 一种方法包括接收第一传感器数据，所述第一传感器数据表示在第一时间段期间由位于车辆上或车辆中的传感器收集的信息，所述传感器被配置为感测车辆外部的环境，将数据存储在存储器中，处理数据以确定第一 设置外部环境的一个或多个特征，以及基于第一组特征确定代表第一时间段内的损失风险的第一风险指标。 该方法还包括接收表示在第二时间段期间由传感器收集的信息的第二传感器数据，将数据存储在存储器中，以及处理数据以确定外部环境的一个或多个特性的第二组。 该方法还包括基于第二组特征确定代表第二时间段内的损失风险的第二风险指标。

    Systems and methods for visualizing an accident involving a vehicle
    13.
    发明授权
    Systems and methods for visualizing an accident involving a vehicle 有权
    用于可视化涉及车辆的事故的系统和方法

    公开(公告)号：US08954226B1

    公开(公告)日：2015-02-10

    申请号：US14057408

    申请日：2013-10-18

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Todd Binion ,  Joe Harr ,  Brian Fields ,  Steven Cielocha ,  Steve J. Balbach

    IPC: G07C5/00 ,  G06Q40/08

    CPC classification number: G07C5/008 ,  G06Q40/08

    Abstract: A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, sensor data representing information collected by a first sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle. The method also includes storing the received sensor data in the memory, and generating, via the one or more processors and using the stored sensor data, a virtual model of an event involving at least one vehicle.

    Abstract translation: 一种在包括存储器和一个或多个处理器的电子处理系统中实现的方法包括在电子处理系统处接收表示由位于第一车辆上或第一车辆中的第一传感器（i）收集的信息的传感器数据，以及 ）被配置为感测第一车辆外部的环境。 该方法还包括将接收到的传感器数据存储在存储器中，并且经由一个或多个处理器并且使用存储的传感器数据生成涉及至少一个车辆的事件的虚拟模型。

    SYSTEMS AND METHODS TO ASSESS THE CONDITION OF A VEHICLE
    14.
    发明公开
    SYSTEMS AND METHODS TO ASSESS THE CONDITION OF A VEHICLE 审中-公开

    公开(公告)号：US20230351453A1

    公开(公告)日：2023-11-02

    申请号：US18218912

    申请日：2023-07-06

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Todd Binion ,  Kelly S. Minter ,  Heidi Brown-McCreery ,  Michael Harris ,  Jeremy Myers ,  Brian Fields ,  Joe Harr

    IPC: G06Q30/02

    CPC classification number: G06Q30/0278

    Abstract: A computer-implemented method includes receiving a vehicle condition query via a computer network and retrieving condition data corresponding to a vehicle from a vehicle condition database. Further, the method includes determining a condition of the vehicle based on a collective analysis of the condition data, where the condition of the vehicle includes a market value of the vehicle and an overall quality level of the vehicle, and receiving a geographic location of a computing device. Still further, the method includes generating a vehicle condition report, where the vehicle condition report includes an interactive image of a first set of one or more visual condition descriptors indicative of the condition of the vehicle. Moreover, the method includes customizing the vehicle condition report according to the climate associated with the geographic location for the computing device, and communicating the vehicle condition report to the second computing device.

    SYSTEMS AND METHODS TO ASSESS THE CONDITION OF A VEHICLE
    15.
    发明申请
    SYSTEMS AND METHODS TO ASSESS THE CONDITION OF A VEHICLE 有权

    公开(公告)号：US20220245682A1

    公开(公告)日：2022-08-04

    申请号：US17723890

    申请日：2022-04-19

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Kelly S. Minter ,  Heidi Brown-McCreery ,  Michael Harris ,  Jeremy Myers ,  Brian M. Fields ,  Joe Harr

    IPC: G06Q30/02

    Abstract: A computer-implemented method includes receiving a vehicle condition query via a computer network and retrieving condition data corresponding to a vehicle from a vehicle condition database. Further, the method includes determining a condition of the vehicle based on a collective analysis of the condition data, where the condition of the vehicle includes a market value of the vehicle and an overall quality level of the vehicle, and receiving a geographic location of a computing device. Still further, the method includes generating a vehicle condition report, where the vehicle condition report includes an interactive image of a first set of one or more visual condition descriptors indicative of the condition of the vehicle. Moreover, the method includes customizing the vehicle condition report according to the climate associated with the geographic location for the computing device, and communicating the vehicle condition report to the second computing device.

    Systems and methods to assess the condition of a vehicle
    16.
    发明授权
    Systems and methods to assess the condition of a vehicle 有权

    公开(公告)号：US11334926B1

    公开(公告)日：2022-05-17

    申请号：US16535345

    申请日：2019-08-08

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Kelly S. Minter ,  Heidi Brown-McCreery ,  Michael Harris ,  Jeremy Myers ,  Brian M. Fields ,  Joe Harr

    IPC: G06Q30/02

    Abstract: A computer-implemented method includes receiving a vehicle condition query via a computer network and retrieving condition data corresponding to a vehicle from a vehicle condition database. Further, the method includes determining a condition of the vehicle based on a collective analysis of the condition data, where the condition of the vehicle includes a market value of the vehicle and an overall quality level of the vehicle, and receiving a geographic location of a computing device. Still further, the method includes generating a vehicle condition report, where the vehicle condition report includes an interactive image of a first set of one or more visual condition descriptors indicative of the condition of the vehicle. Moreover, the method includes customizing the vehicle condition report according to the climate associated with the geographic location for the computing device, and communicating the vehicle condition report to the second computing device.

    SYSTEMS AND METHODS TO REPORT VEHICLE OWNERSHIP INFORMATION
    19.
    发明申请
    SYSTEMS AND METHODS TO REPORT VEHICLE OWNERSHIP INFORMATION 审中-公开
    报告车辆所有权信息的系统和方法

    公开(公告)号：US20150100506A1

    公开(公告)日：2015-04-09

    申请号：US14047268

    申请日：2013-10-07

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Kelly S. Minter ,  Heidi Brown-McCreery ,  Michael Harris ,  Jeremy Myers ,  Brian Fields ,  Joe Harr

    IPC: G06Q30/02

    CPC classification number: G06Q30/0278

    Abstract: A method for reporting vehicle ownership information includes receiving an enrollment from a customer, wherein the enrollment includes information identifying a vehicle and retrieving a plurality of condition data corresponding to the vehicle from one or more databases. The method further includes analyzing the existing condition data and the additional condition data to establish a vehicle condition trend. The vehicle condition trend reflects changes in a condition of the vehicle, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle. Still further, the method includes generating a vehicle ownership report, wherein the vehicle ownership report includes indications of the vehicle condition trend, and communicating the vehicle ownership report to a remote computing device for presentation to the customer.

    Abstract translation: 用于报告车辆所有权信息的方法包括从客户接收登记，其中所述登记包括识别车辆的信息并且从一个或多个数据库检索对应于所述车辆的多个条件数据。 该方法还包括分析现有条件数据和附加条件数据以建立车辆状态趋势。 车辆状态趋势反映车辆状况的变化，其中车辆的状况与车辆的质量或价值中的至少一个有关。 此外，该方法包括生成车辆所有权报告，其中车辆所有权报告包括车辆状况趋势的指示，以及将车辆所有权报告传送到远程计算设备以呈现给客户。

    VEHICLE AUCTION TOOL WITH VEHICLE CONDITION ASSESSMENTS
    20.
    发明申请
    VEHICLE AUCTION TOOL WITH VEHICLE CONDITION ASSESSMENTS 审中-公开
    车辆拍卖工具与车辆状况评估

    公开(公告)号：US20150100448A1

    公开(公告)日：2015-04-09

    申请号：US14047274

    申请日：2013-10-07

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Kelly S. Minter ,  Heidi Brown-McCreery ,  Michael Harris ,  Jeremy Myers ,  Brian Fields ,  Joe Harr

    IPC: G06Q30/08

    CPC classification number: G06Q30/08

    Abstract: A method for buying and selling vehicles includes receiving information identifying a vehicle, retrieving condition data corresponding to the vehicle from a condition database, wherein a device inside the vehicle generates at least some of the condition data while the vehicle is being operated, and analyzing the condition data to determine a condition of the vehicle, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle. Further, the method includes communicating an indication of the vehicle condition to an end user device, and, in response to the indication of the vehicle condition, receiving an offer to purchase the vehicle. A notification is generated based on the offer to purchase the vehicle, wherein the notification indicates a status of a purchase of the vehicle according to the offer to purchase the vehicle, and the notification is communicated to the end user device.

    Abstract translation: 一种购买和销售车辆的方法包括接收识别车辆的信息，从条件数据库中检索与车辆相对应的条件数据，其中车辆内部的装置在车辆运行时产生至少一些条件数据，并且分析 条件数据以确定车辆的状况，其中车辆的状况涉及车辆的质量或价值中的至少一个。 此外，该方法包括将终端用户设备的车辆状况指示，以及响应车辆状况的指示，接收购买车辆的报价。 基于购买车辆的报价生成通知，其中通知根据购买车辆的要约来指示购买车辆的状态，并将该通知传送给最终用户装置。

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