公开(公告)号：US11521412B1

公开(公告)日：2022-12-06

申请号：US17087446

申请日：2020-11-02

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Dingchao Zhang ,  Michael Bernico ,  Peter Laube ,  Utku Pamuksuz ,  Jeffrey S. Myers ,  Marigona Bokshi-Drotar ,  Edward W. Breitweiser

IPC: G06V40/10 ,  G06K9/62 ,  A61B5/00 ,  G06V20/40

Abstract: A method and system may use machine learning analysis of audio data to automatically identify a user's biometric characteristics. A user's client computing device may capture audio of the user. Feature data may be extracted from the audio and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.

公开(公告)号：US11436846B1

公开(公告)日：2022-09-06

申请号：US17011754

申请日：2020-09-03

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Yuntao Li ,  Dingchao Zhang ,  Jeffrey S. Myers

IPC: G06V20/59 ,  B60R25/30 ,  B60R25/25 ,  B60R25/102 ,  G08B21/22 ,  G06V40/16

Abstract: Systems and methods for using image analysis techniques to assess abnormal vehicle operating conditions are disclosed. According to aspects, a computing device may access and analyze image data depicting an individual(s) within a vehicle. Based on the depicted individuals(s) and optionally on other data, the computing device may determine that an abnormal condition exists. In response, the computing device may generate a notification and transmit the notification to an electronic device of an individual associated with the vehicle.

公开(公告)号：US20220156844A1

公开(公告)日：2022-05-19

申请号：US17591633

申请日：2022-02-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Jeffrey S. Myers ,  Kenneth J. Sanchez ,  Michael L. Bernico

IPC: G06Q40/08 ,  G06V10/75 ,  G06V30/194 ,  G06V10/44 ,  G06N3/08 ,  H04N7/18

Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analyses of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.

公开(公告)号：US11254270B1

公开(公告)日：2022-02-22

申请号：US15969501

申请日：2018-05-02

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Yuntao Li ,  Dingchao Zhang ,  Jeffrey S. Myers

IPC: B60R16/00 ,  B60R16/037 ,  B60K35/00 ,  B60R21/015 ,  B60N2/02 ,  G06K9/00

Abstract: Systems and methods for using image analysis techniques to facilitate adjustments to vehicle components are disclosed. According to aspects, a computing device may access and analyze image data depicting an individual(s) within a vehicle, and in particular determine a positioning of the individual(s) within the vehicle. Based on the positioning, the computing device may determine how to adjust a vehicle component(s) to its optimal configuration, and may facilitate adjustment of the vehicle component(s) accordingly.

公开(公告)号：US10825564B1

公开(公告)日：2020-11-03

申请号：US15837540

申请日：2017-12-11

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Dingchao Zhang ,  Michael Bernico ,  Peter Laube ,  Utku Pamuksuz ,  Jeffrey S. Myers ,  Marigona Bokshi-Drotar ,  Edward W. Breitweiser

IPC: G06K9/00 ,  G16H30/40 ,  G16H15/00 ,  G06T7/00 ,  G16H50/50 ,  A61B5/021 ,  G16H50/30 ,  A61B5/01 ,  A61B5/024 ,  A61B5/053 ,  A61B5/16

Abstract: A method and system may use computer vision techniques and machine learning analysis to automatically identify a user's biometric characteristics. A user's client computing device may capture a video of the user. Feature data and movement data may be extracted from the video and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.