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271.发明公开公开(公告)号：US20230222601A1
公开(公告)日：2023-07-13
申请号：US18174921
申请日：2023-02-27
Inventor： Matthew Aaron Mifflin , Vincent M. Hummel , Julie Ann Hozie , Thomas A. Iott , Timothy W. Robert
IPC: G06F40/186 , H04L51/046
CPC classification number: G06F40/186 , H04L51/046
Abstract: In a computer-implemented method for automated management of correspondence related to an insurance claim, an evaluation trigger (e.g., occurrence of a pre-scheduled time, a triggering event associated with the claim, and/or reception of an evaluation request from an application) may be detected and, in response, an evaluation may be performed. Performing the evaluation may include retrieving one or more data elements from a claims database, and/or generating evaluation output data by processing the retrieved data element(s) according to a first set of rules implemented by a rules engine. Based upon the evaluation output data, at least one action may be selected from among a set of potential actions. The set of potential actions may include automatically generating correspondence (or selected portions thereof) associated with the claim and scheduling a future evaluation. The selected action may then be performed using a second set of rules implemented by the rules engine.
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公开(公告)号：US11699005B2
公开(公告)日：2023-07-11
申请号：US17476382
申请日：2021-09-15
Inventor： Timothy Joel Davis , Amy Engelhorn
CPC classification number: G06F30/20 , G06T19/006 , G06Q40/08
Abstract: An augmented reality (AR) system for generating and displaying a pre-disaster Enhanced Situation Visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image and/or GPS location of a property. The ESV computing device may determine the subject of the image is the property, retrieve reference information including peril maps associated with the property from the reference database, and determine situation information specific to the subject. The reference and situation information including a loss estimate may be displayed on the user computing device to provide an ESV of the property. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating an insurance policy, premium, and/or discount, and/or generating insurance-related recommendations.
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公开(公告)号：US11694213B1
公开(公告)日：2023-07-04
申请号：US17112205
申请日：2020-12-04
Inventor： Shawn Everly , Randall Kirchner , Steve Schierholz , Joseph Waldmann , Nancy Warden , William T. Malone , Troy Steffen , Alex George Sarris , Matthew Jared Schroeder , Matthew Jeffrey Wilkens , William G. Baker
IPC: G06Q30/00 , G06Q30/018 , G06Q10/105 , G06Q10/10 , G06Q40/08 , G06Q50/20 , G06N5/04 , G06Q10/1093 , G06F16/2455 , G06F16/23 , G06F16/9535 , G06N20/00 , G06Q30/0204
CPC classification number: G06Q30/0185 , G06F16/2379 , G06F16/2455 , G06F16/9535 , G06N5/04 , G06N20/00 , G06Q10/103 , G06Q10/105 , G06Q10/1095 , G06Q30/0205 , G06Q40/08 , G06Q50/2057
Abstract: A computer system including a processor in communication with a memory and a database may be provided. The processor may be programmed to: (i) execute a query on the database including a list of user identifiers associated with a plurality of users, (ii) receive license data associated with the user identifiers including a list of licenses and respective license renewal data associated with each user, (iii) determine, from the license data, that one or more licenses of a group of users is in a renewal period, (iv) notify each user of the group of users of the one or more licenses in the renewal period, (v) pre-populate a license renewal application for the one or more licenses in the renewal period the group of users, (vi) transmit the pre-populated application to be approved by the group of users, and (vii) receive the approved pre-populated application from the group of users.
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274.发明授权公开(公告)号：US11694185B2
公开(公告)日：2023-07-04
申请号：US18079360
申请日：2022-12-12
Inventor： Kristopher Keith Gaudin , Leo Nelson Chan , Justin Davis
CPC classification number: G06Q20/327 , G01C21/26 , G01C21/32 , G01C21/3614 , G01C21/3667 , G01C21/3679 , G01C21/3682 , G06Q20/20 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/3226 , G06Q20/3278
Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.
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公开(公告)号：US20230208943A1
公开(公告)日：2023-06-29
申请号：US18117745
申请日：2023-03-06
Inventor： John M. VanAntwerp , Dan Kalmes
CPC classification number: H04L69/08 , H04L67/56 , G06F8/20 , G06Q10/067 , G06F8/60 , G06F8/70 , G06F11/3604 , G06Q40/123
Abstract: A method of generating generic protocol handlers includes receiving a user request in a middleware, generating a request payload by analyzing the request in a protocol handler of the middleware, transforming the request payload into a set of canonical types, transmitting the set of canonical types to a path module, receiving a response payload, transforming the response payload in a second protocol handler of the middleware, and transmitting the response to the user.
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Patent Agency Ranking
公开(公告)号：US20230206316A1
公开(公告)日：2023-06-29
申请号：US16783979
申请日：2020-02-06
Inventor： Elizabeth Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
CPC classification number: G06Q40/02 , G06Q30/0205
Abstract: Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) may be monitored to predict when a surplus of funds is unnecessarily present and for how long this will likely be the case. Once this is determined, techniques include automatically drafting funds from the account to another account having a higher interest rate where the funds may accrue more interest. The techniques also include predicting when an overdraft may occur and taking appropriate action when such a prediction is made. Predictions may be based upon different weighted inputs used in accordance with a predictive modeling system, which may attempt to predict for a particular user, location, and retailer, whether the user will spend an anticipated amount in excess of the user's current balance. If so, passive (e.g., notifications) and active (e.g., transferring cover funds) actions may be performed.
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公开(公告)号：US20230196855A1
公开(公告)日：2023-06-22
申请号：US18111488
申请日：2023-02-17
Inventor： Michael Bernico
CPC classification number: G07C5/0841 , G06Q40/08 , G07C5/0816 , G06N20/00
Abstract: Systems and methods for identifying anomalous driving behavior for a vehicle based on past driving behavior are disclosed herein. The method may include receiving a set of time-series driving data for the vehicle, wherein the set of time-series driving data is indicative of a set of operating conditions for the vehicle. Performing machine learning operations on the set of time-series driving data. Identifying a set of anomalous conditions in the time-series driving data based on a result set produced by the machine learning operations, wherein the set of anomalous conditions are indicative of an anomalous vehicle behavior. Comparing the set of anomalous conditions to a set of historical time-series driving data for the vehicle. Generating a vehicle feedback based on the time-series driving data and the comparison of the set of anomalous conditions to the set of historical time-series driving data.
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公开(公告)号：US20230196475A1
公开(公告)日：2023-06-22
申请号：US18110527
申请日：2023-02-16
Inventor： Bryan Allen Plummer , Drew Cross , Nathan L. Tofte
IPC: G06Q40/08 , G06Q40/00 , G06F30/20 , G06T7/00 , G06T17/00 , G06T7/187 , H04N13/204 , G06Q20/10 , G06Q30/02 , G06T15/08
CPC classification number: G06Q40/08 , G06Q40/00 , G06F30/20 , G06T7/00 , G06T17/00 , G06T7/187 , H04N13/204 , G06Q20/10 , G06Q30/0278 , G06T7/0004 , G06T15/08 , G06T2210/56 , G06T2219/012
Abstract: A damage assessment module operating on a computer system automatically evaluates a property, estimating damage to the property by analyzing a point cloud of a property. The damage assessment module identifies individual point clusters or segments from the point cloud and detects potentially damaged areas of the property surface by identifying outlier points in the point clusters. The damage assessment module may be used to determine the financial cost of the damage and/or determine whether the property should be replaced or repaired. In addition to eliminating the need for an estimator to visit the property in person, the damage assessment module improves the consistency and accuracy associated with estimating damage to a property.
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公开(公告)号：US11682168B1
公开(公告)日：2023-06-20
申请号：US17191290
申请日：2021-03-03
Inventor： Bryan R. Nussbaum , Rebecca A. Little , Kevin L. Mitchell , Nathan C. Summers , An Ho
CPC classification number: G06T17/05 , G06N3/006 , G06T19/006 , G06V20/13
Abstract: A computer-implemented method and system for virtual visualization of overall regions are disclosed. Images of a overall region may be obtained by a server and used to generate a virtual model of the overall region. The server may generate a virtual environment that includes the virtual model of the overall region. A user may indicate a specific area of the virtual environment. The server may then dispatch an imaging vehicle to the location of the indicated area to capture additional image data representative of the indicated area. This additional set of image data may be used by the server to generate higher resolution virtual models of the indicated area that are integrated into the virtual environment.
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公开(公告)号：US11682082B2
公开(公告)日：2023-06-20
申请号：US17218119
申请日：2021-03-30
Inventor： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
IPC: H04L9/40 , G06Q40/08 , H04L9/06 , G06Q10/10 , H04L9/32 , G06F16/29 , G06F16/182 , G06F16/903
CPC classification number: G06Q40/08 , G06F16/183 , G06F16/29 , G06F16/90335 , G06Q10/10 , H04L9/0637 , H04L9/3247 , H04L63/101
Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, in particular, utilizing evidence oracles as part of the subrogation process. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.
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