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公开(公告)号：US12118620B2
公开(公告)日：2024-10-15
申请号：US18157206
申请日：2023-01-20
Inventor： Joseph Robert Brannan , Brian N. Harvey , Ryan Michael Gross , J. Lynn Wilson , Matthew Eric Riley, Sr.
IPC: G06F16/00 , G06F16/9035 , G06F16/9535 , G06Q30/0645 , G06Q40/08 , G06Q50/00
CPC classification number: G06Q40/08 , G06F16/9035 , G06F16/9535 , G06Q30/0645 , G06Q50/01
Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a sharing score between the online user profiles is provided. The matching computer system may be configured to generate online user profiles associated with users of the systems. The matching computer system may be also configured to calculate a base score based upon the generated online user profile. Each base score represents a level of trustworthiness of each respective user. The matching computer system may be further configured to determine a sharing score between users based upon the base scores. Each sharing score represents a level of matching between the online user profiles.
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公开(公告)号：US11332149B1
公开(公告)日：2022-05-17
申请号：US16861080
申请日：2020-04-28
Inventor： Brian N. Harvey , Matthew Eric Riley, Sr. , Joseph Robert Brannan , J. Lynn Wilson , Ryan Gross
Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is also received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. One or more characteristics of the rented vehicle are also determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the one or more characteristics of the rented vehicle.
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13.发明授权公开(公告)号：US10534968B1
公开(公告)日：2020-01-14
申请号：US15097892
申请日：2016-04-13
Inventor： Mark E. Clauss , David W. Thurber , Matthew Eric Riley, Sr. , Richard J. Lovings , Steven J. Balbach , Nicholas R. Baker , J. Lynn Wilson
Abstract: Methods, systems, apparatus, and non-transitory media are described for verifying a vehicle's odometer mileage that is associated with an insurance policy. The described techniques include sending a notification to a mobile computing device requesting an update of the odometer mileage. The notification may be generated in response to the current date being within a threshold number of days prior to the insurance policy's expiration date. In response to the notification, a user may capture an image of the odometer with the mobile computing device, which may also include data indicative of the status of the mobile computing device. One or more optical character recognition (OCR) processes may be applied to the captured image to determine various odometer mileages. Aspects include verifying the odometer mileage when different OCR processes produce the same odometer mileage result and using the status of the mobile computing device to flag potentially fraudulent images.
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14.发明授权公开(公告)号：US10424022B2
公开(公告)日：2019-09-24
申请号：US15414268
申请日：2017-01-24
Inventor： Benjamin F. Bowne , James Peng , Nicholas R. Baker , Duane Lee Marzinzik , Matthew Eric Riley, Sr. , Nicholas Christopulos , Brian Mark Fields , J. Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
IPC: G06Q40/08 , G06Q10/06 , G06Q10/08 , B60W40/09 , G06Q40/04 , G07C5/08 , H04W4/04 , G01S19/13 , G06Q30/02 , G07C5/00 , H04W4/02 , G01C21/36 , H04W4/40 , H04L29/08
Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.
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公开(公告)号：US10013153B1
公开(公告)日：2018-07-03
申请号：US14703985
申请日：2015-05-05
Inventor： James M. Freeman , Vaidya Balasubramanian Pillai , Matthew Eric Riley, Sr. , David W. Thurber , Gregory Dwayne Carter , Jason Chang
IPC: G06F3/0484 , H04L12/58 , G06F3/0481 , G06K9/00
CPC classification number: G06F3/04842 , G06F3/04817 , G06K9/00241 , G06K9/00288 , H04L51/046 , H04L51/10 , H04L51/28 , H04M1/27455
Abstract: A computer-implemented method includes detecting a plurality of faces within one or more images, and, for each of the plurality of faces, registering the face with a contact. The method further includes receiving a selection of one of the plurality of faces from a user, and, in response to the selection of the one of the plurality of faces, determining the contact associated with the selected one of the plurality of faces. Still further, the method includes retrieving information about the contact, and generating a list of selectable communication types to be displayed to the user on a display device.
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Patent Agency Ranking
公开(公告)号：US09865018B2
公开(公告)日：2018-01-09
申请号：US14589564
申请日：2015-01-05
Inventor： Benjamin F. Bowne , Jufeng “James” Peng , Nicholas R. Baker , Duane Lee Marzinzik , Matthew Eric Riley, Sr. , Nick U. Christopulos , Brian Mark Fields , J Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
IPC: G06Q40/00 , G06Q40/08 , G06Q10/06 , G06Q10/08 , B60W40/09 , G06Q40/04 , G07C5/08 , H04W4/04 , G01S19/13
CPC classification number: G06Q40/08 , B60W40/09 , G01C21/3676 , G01C21/3697 , G01S19/13 , G06Q10/0639 , G06Q10/0833 , G06Q30/0283 , G06Q40/04 , G07C5/008 , G07C5/08 , G07C5/0858 , H04L67/12 , H04W4/026 , H04W4/046
Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
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公开(公告)号：US12217314B2
公开(公告)日：2025-02-04
申请号：US18373553
申请日：2023-09-27
Inventor： Joseph Robert Brannan , Brian N. Harvey , Ryan Michael Gross , J. Lynn Wilson , Matthew Eric Riley, Sr.
IPC: G06Q40/08 , G06F16/9035 , G06F16/9535 , G06Q30/0645 , G06Q50/00
Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.
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18.发明申请公开(公告)号：US20240416925A1
公开(公告)日：2024-12-19
申请号：US18819834
申请日：2024-08-29
Inventor： Joseph Robert Brannan , Brian N. Harvey , Darwin Gene Beachy , Matthew Eric Riley, Sr. , Benjamin Joel Tucker , Michael Aaron Myers , Ryan Michael Gross
Abstract: A data analytics computing device for generating refined risk models responsive to vehicle-based telematics data is configured to receive geolocation data and telematics data associated with a plurality of vehicles. The geolocation data is captured at a location sensor of a vehicle computing device and representative of a location of the vehicle, and the telematics data is captured at a plurality of sensors of at least one of the vehicle or the vehicle computing device and representative of movement of the vehicle. The plurality of vehicles is associated with a geographic area. The data analytics computing device is also configured to apply machine-learning techniques to the geolocation data and the telematics data to define standard driving behavior within the geographic area, and generate driving behavior risk models for the geographic area based upon the standard driving behavior.
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19.发明授权公开(公告)号：US11915306B1
公开(公告)日：2024-02-27
申请号：US16267023
申请日：2019-02-04
Inventor： Brian N. Harvey , Joseph Robert Brannan , J. Lynn Wilson , Matthew Eric Riley, Sr. , Ryan Gross
IPC: G06Q30/0645 , B60W40/04 , B60W40/06 , B60W40/09
CPC classification number: G06Q30/0645 , B60W40/04 , B60W40/06 , B60W40/09
Abstract: Embodiments described herein, inter alia, receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by a potential renter during the period of time; identify, upon analyzing the telematics data, driving behavior(s) of the renter during the period of time; determine, for each driving behavior, a corresponding state of an environment of the vehicle when the driving behavior occurred; determine renter eligibility value(s) for the renter based on the driving behavior(s) and the corresponding state of an environment of the vehicle; compare the renter eligibility value(s) to user preference value(s) of a profile of a vehicle owner, wherein the user preference value(s) define one or more criteria for vehicle renters with whom the vehicle can be shared; and cause an indication of the vehicle associated with the profile to be displayed only if the renter satisfies the criteria.
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20.发明授权公开(公告)号：US11325608B1
公开(公告)日：2022-05-10
申请号：US16880264
申请日：2020-05-21
Inventor： Brian N. Harvey , Joseph Robert Brannan , Ryan Gross , J. Lynn Wilson , Matthew Eric Riley, Sr.
Abstract: Embodiments described herein receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by an owner of the vehicle during the period of time; analyze the telematics data to identify driving behavior(s) of the owner during the period of time; predict one or more user preference values of a vehicle-sharing platform profile of the owner based on the identified one or more driving behaviors, wherein the one or more user preference values define one or more criteria for vehicle renters with whom the first vehicle can be shared; apply the one or more criteria to a potential vehicle renter; and cause an indication of the first vehicle of the owner to be displayed via a mobile device of the potential renter only if the potential vehicle renter satisfies the one or more criteria.
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