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公开(公告)号：US10163350B1
公开(公告)日：2018-12-25
申请号：US15241842
申请日：2016-08-19
Inventor： Brian Mark Fields , Steven C. Cielocha , Jacob J. Alt , Laura A. Uphoff , Leo Nelson Chan , Mohamed A. Wazeer , Kristopher Keith Gaudin , Justin Davis , Nathan W. Baumann , Giles Roll
IPC: G08G1/00 , G08G1/16 , G08G1/0968
Abstract: Methods and systems are disclosed for providing vehicular driver alerts. In various aspects a vehicle operating environment may be monitored by one or more sensors associated with a first vehicle operating within the vehicle operating environment. The first vehicle may be determined to be in proximity to a second vehicle based upon sensor data obtained from the one or more sensors. An identifier associated with the second vehicle may be determined based upon the sensor data and the identifier may be used to receive evaluation data associated with the second vehicle. The evaluation data may indicate a quality level associated with operation of the second vehicle. Based upon the evaluation data, it may be determined that the second vehicle is associated with a heightened risk of a vehicle accident. A warning regarding the heightened risk may be generated and presented, by an output device, to a vehicle operator of the first vehicle.
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公开(公告)号：US10106083B1
公开(公告)日：2018-10-23
申请号：US15808974
申请日：2017-11-10
Inventor： Brian Mark Fields , Steven C. Cielocha , Jacob J. Alt , Laura Anne Uphoff , Leo Nelson Chan , Mohamed A. Wazeer , Kristopher Keith Gaudin , Justin Davis , Nathan W. Baumann , Giles Roll
IPC: B60Q9/00
Abstract: Systems and methods are described for providing alerts. In various aspects, sensor data is received at one or more sensors associated with a vehicle, where the sensor data defines an electronic vehicle environment that indicates an electronic location of the vehicle. An electronic pedestrian or cyclist location is identified within the electronic vehicle environment, which is determined by a mobile device associated with a pedestrian or cyclist. Where a determination is made that the pedestrian or cyclist meets predetermined alert criteria based upon the electronic vehicle location and the electronic pedestrian or cyclist location, an alert is generated that indicates the presence of the pedestrian or cyclist within the vicinity of the vehicle. The alert is presented on a display screen.
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公开(公告)号：US20250124506A1
公开(公告)日：2025-04-17
申请号：US18989503
申请日：2024-12-20
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A computer-implemented method of continuously updating information about a customer approved for a mortgage, the customer associated with a customer identification number. In one aspect, the method may include monitoring information accessed from a blockchain corresponding to the customer identification number, the information used to determine the customer is approved for a mortgage. In addition, the method may further include receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. Further, the method may include updating a block of the blockchain to include the new information and recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US20240273638A1
公开(公告)日：2024-08-15
申请号：US18643856
申请日：2024-04-23
Inventor： Ronny S. Bryant , Stacie A. McCullough , Mitchell J. Hill , Jacob J. Alt , Jaime Skaggs , Shawn M. Call , Eric Bellas , Vicki King , Melinda Teresa Magerkurth
IPC: G06Q40/08 , G06F16/182 , G06Q50/163
CPC classification number: G06Q40/08 , G06F16/182 , G06Q50/163
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing loss histories for individuals and/or assets, such as real estate, homes, and vehicles, and/or for creating and maintaining loss history reports for individuals and/or insurable assets. The loss histories or loss history reports may be individual or insured specific, or may be insurable or insured asset specific.
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公开(公告)号：US12039534B2
公开(公告)日：2024-07-16
申请号：US17198687
申请日：2021-03-11
Inventor： Jacob J. Alt , Eric Bellas , Jaime Skaggs , Shawn M. Call , Melinda Teresa Magerkurth , Vicki King , Charles H. Roscow , Scott Shoop , Greg Hayes , Robert Alpine Jennings , Amber Nelson-Wolfe , Shyam Tummala
CPC classification number: G06Q20/401 , G06F21/105 , G06F21/645 , G06Q20/3827 , G06Q20/3829 , G06Q20/4014 , G06Q40/08 , H04L9/3236 , H04L9/3239 , H04L9/3247 , G06F21/6245 , G06Q2220/00 , G06Q2220/18 , H04L9/50 , H04L2209/56
Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract.
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Patent Agency Ranking
公开(公告)号：US11995717B1
公开(公告)日：2024-05-28
申请号：US18296594
申请日：2023-04-06
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
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公开(公告)号：US11875366B2
公开(公告)日：2024-01-16
申请号：US17203412
申请日：2021-03-16
Inventor： Leo Nelson Chan , Jacob J. Alt , Matthew S. Megyese , Steven C. Cielocha , Kristopher Keith Gaudin , Brian Mark Fields
IPC: G06Q30/02 , G06Q30/0201 , G07C5/08 , G07C5/00 , G06Q40/08 , G06F16/9535 , G06Q30/0251 , G06Q30/0601 , G06Q10/1053 , G06Q30/0207 , G06Q40/02 , G06Q40/03
CPC classification number: G06Q30/0201 , G06F16/9535 , G06Q10/1053 , G06Q30/0207 , G06Q30/0255 , G06Q30/0269 , G06Q30/0631 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/008 , G07C5/08
Abstract: In a computer-implemented method, telematics data collected during one or more time periods by one or more electronic subsystems of a vehicle, and/or by a mobile electronic device of the driver or a passenger, is received. The telematics data includes operational data indicative of how a driver of the vehicle operated the vehicle. The received telematics data is analyzed to identify driving behaviors of the driver during the time period(s). Based at least upon the driving behaviors, a driver profile is generated or modified. Based at least upon the generated or modified driver profile, a suggested vehicle type is identified, at least by determining that the profile meets a set of one or more matching criteria associated with the suggested vehicle type. An indication of the suggested vehicle type is displayed to a user.
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公开(公告)号：US11776052B1
公开(公告)日：2023-10-03
申请号：US17168642
申请日：2021-02-05
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
CPC classification number: G06Q40/03 , G06Q30/0278 , G06Q50/16 , H04L9/0637 , H04L9/50
Abstract: A computer-implemented method of continuously updating information about a customer approved for a mortgage, the customer associated with a customer identification number. In one aspect, the method may include monitoring information accessed from a blockchain corresponding to the customer identification number, the information used to determine the customer is approved for a mortgage. In addition, the method may further include receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. Further, the method may include updating a block of the blockchain to include the new information and recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US20230298108A1
公开(公告)日：2023-09-21
申请号：US18202365
申请日：2023-05-26
Inventor： Ronny S. Bryant , Stacie A. McCullough , Mitchell J. Hill , Jacob J. Alt , Jaime Skaggs , Shawn M. Call , Eric Bellas , Vicki King , Melinda Teresa Magerkurth
IPC: G06Q40/08 , G06Q30/0601 , H04W4/40 , G06F16/27 , B60W50/00 , G07C5/00 , G07C5/08 , H04L67/1061 , H04L67/12 , G06Q10/10 , G06Q20/38 , H04L9/06 , H04L12/28 , H04L9/32 , G06Q30/0283 , G16H10/60
CPC classification number: G06Q40/08 , G06Q30/0623 , H04W4/40 , G06F16/27 , B60W50/00 , G07C5/008 , G07C5/0808 , H04L67/1061 , H04L67/12 , G06Q10/10 , G06Q20/389 , H04L9/0643 , H04L12/2803 , H04L9/32 , G06Q30/0283 , G16H10/60 , B60W2756/10 , H04L2012/2847 , G06F16/903
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for tracking changes for a user. Example methods may include implementing one or more servers, each of the one or more servers maintaining a copy of a distributed ledger; detecting a change in a policy or claim status for a user; responding to the detection of the change, including: (i) generating, via a server of the one or more servers, a transaction record for the distributed ledger including data corresponding to the change; (ii) generating a hash value representative of at least the transaction record using at least a generated nonce value; and (iii) storing the transaction record and the hash value to each copy of the distributed ledger at the one or more servers; and performing a function based upon the transaction record stored to the distributed ledger.
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公开(公告)号：US11636539B1
公开(公告)日：2023-04-25
申请号：US17168961
申请日：2021-02-05
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
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