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    System and method for improving the security of stored passwords for an organization
    11.
    发明授权
    System and method for improving the security of stored passwords for an organization 有权

    公开(公告)号：US10956560B1

    公开(公告)日：2021-03-23

    申请号：US15976494

    申请日：2018-05-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Kenneth J. Sanchez

    IPC: G06F21/46 ,  H04L9/06 ,  H04L9/32 ,  H04W12/06 ,  H04L29/06

    Abstract: A computer-implemented method for authentication using a hashed fried password may include receiving a password value of a user, a salt key, a pepper key, and/or a temporary and randomly generated fry key, or otherwise modifying/appending the password with the salt key, pepper key, and/or fry key. The method may include hashing the modified password, such as performing a hash operation similar to Hash (Password, Salt Key, Pepper Key, Temporary Fry Key). The randomly generated fry key is not saved or otherwise stored, either locally or remotely. A remote server attempting to authenticate the user's password may check for each possible fry key, such as checking against a set of preapproved fry keys, that the hashed fried password may have been modified with in parallel. As a result, an online customer experience requiring a password is not impacted or impeded, while an attacker's attempts to learn the password are frustrated.

    Systems and methods for providing vehicular collision data
    12.
    发明授权
    Systems and methods for providing vehicular collision data 有权

    公开(公告)号：US10909778B1

    公开(公告)日：2021-02-02

    申请号：US16544342

    申请日：2019-08-19

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Scott Chan ,  Kenneth J. Sanchez

    IPC: G01C21/34 ,  G07C5/00 ,  G06K9/00 ,  H04W4/44 ,  G07C5/08

    Abstract: A computer-implemented method is provided for providing a notification that includes a traverse classification. The method includes determining, at a computing system including one or more processors, a contact region based on information indicative of a location of vehicle contact and a location of a person associated with the vehicle contact. The method also includes performing, by the one or more processors, an assessment of one or more aspects of one or more routes associated with the contact region and the contact region. The method also includes based on the assessment, determining, by the one or more processors, one or more traverse classifications corresponding to the one or more routes associated with the contact region. The method also includes providing, by the computing system, a notification that includes a traverse classification of the one or more traverse classifications to one or more vehicle operators approaching the contact region.

    Technology for using image data to assess vehicular risks and communicate notifications
    13.
    发明授权
    Technology for using image data to assess vehicular risks and communicate notifications 有权

    公开(公告)号：US10825343B1

    公开(公告)日：2020-11-03

    申请号：US16425560

    申请日：2019-05-29

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Scott Chan ,  Kenneth J. Sanchez

    IPC: G08G1/16 ,  G08G1/0965 ,  G06K9/00

    Abstract: Systems and methods for generating and communicating notifications indicating risks associated with vehicular operation are provided. According to certain aspects, an electronic device may access and analyze image data that depicts a vehicle operator in a certain state. The electronic device may determine, based on the state of the vehicle operator, whether a risk exists as well as information that may be helpful to communicate to additional vehicle operators. The electronic device may generate a notification that indicates the information and transmit the notification to at least one additional vehicle and/or to an infrastructure component.

    Technology for automatically identifying and scheduling provider appointments in response to accident events
    15.
    发明授权
    Technology for automatically identifying and scheduling provider appointments in response to accident events 有权

    公开(公告)号：US10475001B1

    公开(公告)日：2019-11-12

    申请号：US15476452

    申请日：2017-03-31

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Kenneth J. Sanchez

    IPC: G06Q10/10 ,  B60R21/00

    Abstract: Systems and methods for managing accident events are disclosed. According to certain aspects, an electronic device may access sensor data associated with operation of a vehicle, and analyze the sensor data to determine that an accident event has occurred, where the accident event may have one or more effects such as damage or injury. The electronic device may also interface with a server to identify one or more providers who may be capable of addressing the effects of the accident event. The electronic device or the server may automatically schedule an appointment(s) with the one or more providers, resulting in an effective handling of the accident event.

    Risk evaluation based on vehicle operator behavior
    19.
    发明授权
    Risk evaluation based on vehicle operator behavior 有权
    基于车辆操作者行为的风险评估

    公开(公告)号：US08954340B2

    公开(公告)日：2015-02-10

    申请号：US13897650

    申请日：2013-05-20

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Kenneth J. Sanchez ,  Aaron S. Chan ,  Matthew R. Baker ,  Matthew Zettinger ,  John A. Nepomuceno ,  Brian Fields

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  G06Q40/00

    Abstract: A method for ascertaining the risk associated with the driver of a vehicle utilizes three-dimensional (3D) motion sensing data. A server gathers motion sensing data from one or more motion sensing modules and clusters the motion sensing data into movement categories. The server then assigns an indication of risk to at least some of the movement categories and combines the motion sensing data from a plurality of movement categories to generate a collective measure of risk associated with the driver of the vehicle.

    Abstract translation: 用于确定与车辆驾驶员相关联的风险的方法利用三维（3D）运动感测数据。 服务器从一个或多个运动感测模块收集运动感测数据，并将运动感测数据聚类成移动类别。 然后，服务器向至少一些运动类别分配风险指示，并组合来自多个运动类别的运动感测数据以产生与车辆驾驶员相关联的风险的集体测量。

    Method of controlling for undesired factors in machine learning models
    20.
    发明授权
    Method of controlling for undesired factors in machine learning models 有权

    公开(公告)号：US12271952B2

    公开(公告)日：2025-04-08

    申请号：US18237689

    申请日：2023-08-24

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Jeffrey S. Myers ,  Kenneth J. Sanchez ,  Michael L. Bernico

    IPC: G06Q40/08 ,  G06N3/04 ,  G06N3/08 ,  G06N20/00 ,  G06V10/82 ,  G06V30/19 ,  G06V40/16 ,  H04N7/18 ,  G06Q30/0207

    Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analyses of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.

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