公开(公告)号：US11699205B1

公开(公告)日：2023-07-11

申请号：US17088430

申请日：2020-11-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Alexander Cardona ,  Kip Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Nolan White

IPC: G06Q50/26 ,  G06N20/00 ,  G06F16/58 ,  G06F16/29 ,  G07C5/00 ,  G06Q10/20 ,  G08G1/052 ,  G06F3/0484 ,  G06F16/54 ,  G06V20/58 ,  G06V20/56 ,  G01C21/00 ,  G06Q10/10 ,  G06Q40/08 ,  H04L67/12

CPC classification number: G06Q50/26 ,  G06F3/0484 ,  G06F16/29 ,  G06F16/54 ,  G06F16/5866 ,  G06N20/00 ,  G06Q10/20 ,  G06V20/584 ,  G06V20/588 ,  G07C5/008 ,  G08G1/052 ,  G01C21/3815 ,  G01C21/3848 ,  G06Q10/10 ,  G06Q40/08 ,  H04L67/12

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

公开(公告)号：US11526711B1

公开(公告)日：2022-12-13

申请号：US17088402

申请日：2020-11-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Alexander Cardona ,  Kip Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Nolan White

IPC: G06K9/62 ,  G06F16/58 ,  G06F16/54 ,  G11B27/34 ,  H04N7/18 ,  G06F16/29 ,  G06V20/52

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

公开(公告)号：US12254067B2

公开(公告)日：2025-03-18

申请号：US18530550

申请日：2023-12-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Alexander Cardona ,  Kip Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Nolan White

IPC: G06F18/25 ,  B60W30/08 ,  B60W40/06 ,  B60W40/105 ,  G01C21/34 ,  G01C21/36 ,  G05D1/00 ,  G06F3/0484 ,  G06F16/29 ,  G06F16/54 ,  G06F16/58 ,  G06F16/587 ,  G06N20/00 ,  G06Q10/20 ,  G06Q50/26 ,  G06T7/20 ,  G06T7/292 ,  G06T7/70 ,  G06V20/52 ,  G06V20/54 ,  G06V20/56 ,  G06V20/58 ,  G07C5/00 ,  G08G1/01 ,  G08G1/052 ,  G11B27/34 ,  H04N7/18 ,  G01C21/00 ,  G06Q10/10 ,  G06Q40/08 ,  H04L67/12

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

公开(公告)号：US20240391464A1

公开(公告)日：2024-11-28

申请号：US17088434

申请日：2020-11-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Alexander Cardona ,  Kip Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Nolan White

IPC: B60W30/182 ,  G06N20/00 ,  H04W4/44

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

公开(公告)号：US12008781B1

公开(公告)日：2024-06-11

申请号：US17088393

申请日：2020-11-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Alexander Cardona ,  Kip Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Nolan White

IPC: G06T7/70 ,  G01C21/34 ,  G01C21/36 ,  G05D1/00 ,  G06F16/58 ,  G06F16/587 ,  G06Q40/08 ,  G06T7/20 ,  G06T7/292 ,  G06V20/54 ,  G06V20/56 ,  G06V20/58

CPC classification number: G06T7/70 ,  G01C21/3461 ,  G01C21/3484 ,  G01C21/3602 ,  G05D1/0088 ,  G06F16/5866 ,  G06F16/587 ,  G06Q40/08 ,  G06T7/20 ,  G06T7/292 ,  G06V20/54 ,  G06V20/56 ,  G06V20/58 ,  G06V20/584 ,  G06T2207/30252

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

公开(公告)号：US20240104171A1

公开(公告)日：2024-03-28

申请号：US18530550

申请日：2023-12-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Alexander Cardona ,  Kip Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Nolan White

IPC: G06F18/25 ,  G06F3/0484 ,  G06F16/29 ,  G06F16/54 ,  G06F16/58 ,  G06N20/00 ,  G06Q10/20 ,  G06Q50/26 ,  G06V20/52 ,  G06V20/56 ,  G06V20/58 ,  G07C5/00 ,  G08G1/052 ,  G11B27/34 ,  H04N7/18

CPC classification number: G06F18/251 ,  G06F3/0484 ,  G06F16/29 ,  G06F16/54 ,  G06F16/5866 ,  G06N20/00 ,  G06Q10/20 ,  G06Q50/26 ,  G06V20/52 ,  G06V20/584 ,  G06V20/588 ,  G07C5/008 ,  G08G1/052 ,  G11B27/34 ,  H04N7/18 ,  G01C21/3815

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

公开(公告)号：US11860979B2

公开(公告)日：2024-01-02

申请号：US17980788

申请日：2022-11-04

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Alexander Cardona ,  Kip Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Nolan White

IPC: G06F16/58 ,  G06F18/25 ,  G06F16/54 ,  G11B27/34 ,  H04N7/18 ,  G06F16/29 ,  G06V20/52 ,  G06N20/00 ,  G06V20/58 ,  G06V20/56 ,  G06F3/0484 ,  G06Q10/20 ,  G06Q50/26 ,  G07C5/00 ,  G08G1/052 ,  G01C21/00 ,  G06Q10/10 ,  G06Q40/08 ,  H04L67/12

CPC classification number: G06F18/251 ,  G06F3/0484 ,  G06F16/29 ,  G06F16/54 ,  G06F16/5866 ,  G06N20/00 ,  G06Q10/20 ,  G06Q50/26 ,  G06V20/52 ,  G06V20/584 ,  G06V20/588 ,  G07C5/008 ,  G08G1/052 ,  G11B27/34 ,  H04N7/18 ,  G01C21/3815 ,  G01C21/3848 ,  G06Q10/10 ,  G06Q40/08 ,  H04L67/12

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

公开(公告)号：US20230170063A1

公开(公告)日：2023-06-01

申请号：US18158965

申请日：2023-01-24

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Jeremy Garavaglia ,  John Larson ,  Jovonni Lee Pharr ,  Kip Wilson ,  Nolan White ,  Achyutha Srinivas Mudunuri ,  Wallace Taylor ,  Mike Aviles

IPC: G16H10/40 ,  G16H40/60 ,  G06Q40/08 ,  G06V40/70

CPC classification number: G16H10/40 ,  G16H40/60 ,  G06Q40/08 ,  G06V40/70

Abstract: A computer system for generating an insurance policy for a user includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.

公开(公告)号：US11587648B1

公开(公告)日：2023-02-21

申请号：US16950590

申请日：2020-11-17

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Jeremy Garavaglia ,  John Larson ,  Jovonni Lee Pharr ,  Kip Wilson ,  Nolan White ,  Achyutha Srinivas Mudunuri ,  Wallace Taylor ,  Mike Aviles

IPC: G06Q40/08 ,  G16H10/40 ,  G06V40/70 ,  G16H40/60

Abstract: A computer system for analyzing biometric data of a user collected from a plurality of user devices and used to generate an insurance policy for the user includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.

公开(公告)号：US20220414807A1

公开(公告)日：2022-12-29

申请号：US17896617

申请日：2022-08-26

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY ,  United Services Automobile Association (USAA)

Inventor： Ryan Maurer ,  Nolan White ,  Kyle D. Weber ,  Edward Austin ,  William Guthrie ,  Dustin Helland ,  Bharat Prasad ,  Sharon Kay Haverlah ,  Karen Marie Shackelford-George

IPC: G06Q50/18 ,  G06F16/23 ,  H04L9/32

Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.