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    Manual control re-engagement in an autonomous vehicle
    35.
    发明授权
    Manual control re-engagement in an autonomous vehicle 有权

    公开(公告)号：US11709488B2

    公开(公告)日：2023-07-25

    申请号：US17987639

    申请日：2022-11-15

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Brian Mark Fields ,  Leo Nelson Chan ,  Kristopher Keith Gaudin ,  Aaron Williams

    IPC: G05D1/00

    CPC classification number: G05D1/0061 ,  G05D1/0088

    Abstract: Vehicles may have the capability to navigate according to various levels of autonomous capabilities, the vehicle having a different set of autonomous competencies at each level. In certain situations, the vehicle may shift from one level of autonomous capability to another. The shift may require more or less driving responsibility from a human operator. Sensors inside the vehicle collect human operator parameters to determine an alertness level of the human operator. An alertness level is determined based on the human operator parameters and other data including historical data or human operator-specific data. Notifications are presented to the user based on the determined alertness level that are more or less intrusive based on the alertness level of the human operator and on the urgency of an impending change to autonomous capabilities. Notifications may be tailored to specific human operators based on human operator preference and historical performance.

    CONNECTED CAR AS A PAYMENT DEVICE
    36.
    发明申请
    CONNECTED CAR AS A PAYMENT DEVICE 有权

    公开(公告)号：US20230110258A1

    公开(公告)日：2023-04-13

    申请号：US18079354

    申请日：2022-12-12

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Kristopher Keith Gaudin ,  Justin Davis ,  Leo Nelson Chan

    IPC: G06Q20/20 ,  G06Q50/06 ,  G06Q20/40

    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.

    Providing Temporary Insurance Coverage Using Temporary Risk Data Determined Using One or More Devices Associated with a Party
    38.
    发明申请
    Providing Temporary Insurance Coverage Using Temporary Risk Data Determined Using One or More Devices Associated with a Party 有权

    公开(公告)号：US20210295442A1

    公开(公告)日：2021-09-23

    申请号：US15863243

    申请日：2018-01-05

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Williams ,  Justin Davis ,  Kristopher Keith Gaudin ,  Leo Nelson Chan

    IPC: G06Q40/08

    Abstract: A computer-implemented method of providing insurance coverage using temporary risk data determined using a device(s) associated with a party may include: (1) determining that a risk of a loss associated with the party is temporarily different from an ordinary risk of the loss; (2) determining one or more terms of temporary insurance coverage for the loss based upon at least one of an amount by which the risk of the loss is temporarily different or a duration for which the risk of the loss is to be temporarily different; (3) providing, via a user interface(s), an indication of an availability of the temporary insurance coverage; and (4) sending a request to an insurance provider computing device(s) for the temporary insurance coverage so as to obtain for a requested amount of time the temporary insurance coverage. As a result, insurance-cost savings may be passed on to risk averse customers.

    VEHICLE IDENTIFICATION USING DRIVER PROFILES
    39.
    发明申请
    VEHICLE IDENTIFICATION USING DRIVER PROFILES 有权

    公开(公告)号：US20210133808A1

    公开(公告)日：2021-05-06

    申请号：US15784829

    申请日：2017-10-16

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Leo Nelson Chan ,  Jacob J. Alt ,  Matthew S. Megyese ,  Steven C. Cielocha ,  Kristopher Keith Gaudin ,  Brian Mark Fields

    IPC: G06Q30/02 ,  G06F17/30 ,  G07C5/00 ,  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 one or more driving behaviors of the driver during the time period(s). Based at least upon the driving behavior(s), 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.

    Connected vehicle for providing navigation directions to merchant terminals that process vehicle payments
    40.
    发明授权
    Connected vehicle for providing navigation directions to merchant terminals that process vehicle payments 有权

    公开(公告)号：US10949831B1

    公开(公告)日：2021-03-16

    申请号：US15428667

    申请日：2017-02-09

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Kristopher Keith Gaudin ,  Leo Nelson Chan ,  Justin Davis

    IPC: G06Q20/32 ,  G06Q20/20 ,  G01C21/26 ,  G01C21/32 ,  G01C21/36

    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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