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公开(公告)号：US10768013B1
公开(公告)日：2020-09-08
申请号：US16531563
申请日：2019-08-05
发明人： Jennifer A. Brandmaier , Jeffrey Fitzgerald , Eric D. Huls , Joseph Kleinhenz , William Loo , Matthew James Manzella , Philip Peter Ramirez
IPC分类号： G01C22/00
摘要： One or more devices in a data analysis computing system may be configured to receive and analyze movement data, and determine driving trips associated driving data based on the received movement data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and the like. One or more driving trips may be identified based on the movement data collected by the mobile devices, including acceleration data, speed data, and rotation rate data. After identifying a driving trip, the previously collected movement data and/or additional driving data may be analyzed to determine additional driving trip data, such as the driver, vehicle, and/or additional driving factors.
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公开(公告)号：US10692149B1
公开(公告)日：2020-06-23
申请号：US14098874
申请日：2013-12-06
摘要： Methods, computer-readable media, software, and apparatuses provide a system for providing an event based insurance model in which insurance rates are adjusted based on events occurring during a drive. The system may include computing devices in one or more vehicles or in a cloud. Using such computing devices, the system may provide recommendations to drivers based on their surroundings. In particular, the system may identify individuals, such as passengers and other drivers, in proximity to a particular vehicle and provide recommendations to the driver of that vehicle when such individuals might negatively influence the driver's performance or otherwise be a danger to the driver. The system may also monitor the driver's reactions to recommendations and determine adjustments to insurance rates based on such reactions.
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公开(公告)号：US10572944B1
公开(公告)日：2020-02-25
申请号：US14063517
申请日：2013-10-25
发明人： Jennifer A. Brandmaier , Mark E. Faga , Robert H. Johnson , Daniel Koza , William Loo , Clint J. Marlow , Philip Peter Ramirez , Kurt M. Stricker
IPC分类号： G06Q40/08
摘要： Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.
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公开(公告)号：US20200058076A1
公开(公告)日：2020-02-20
申请号：US16662934
申请日：2019-10-24
IPC分类号： G06Q40/08
摘要： Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may generate and maintain user profile information for determining a demographic classification of each user associated with an inventory. A demographic classification for a given user may be used along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory.
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公开(公告)号：US10332209B1
公开(公告)日：2019-06-25
申请号：US14190976
申请日：2014-02-26
发明人： Jennifer A. Brandmaier , Mark E. Faga , Robert H. Johnson , Philip Peter Ramirez , Kurt M. Stricker , Joshua E. Campbell
IPC分类号： G06Q40/08
摘要： Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.
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公开(公告)号：US10269074B1
公开(公告)日：2019-04-23
申请号：US14061424
申请日：2013-10-23
发明人： Jay A. Patel , Jennifer A. Brandmaier , Mark E. Faga , James Gillespie , Roger Horn , Stephen Hughes , Alinawaz Ismaili , Daniel Koza , William Loo , Francis Lowry
IPC分类号： G06Q40/08
摘要： Systems and methods provide for an automated system for analyzing damage to insured property. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a mobile device for analysis at the server in real time. Depending on network conditions, the mobile device may transfer images to the server in high definition or low definition. The server may send notifications to the mobile device to remind a user of the mobile device to capture and transfer images to the server. The server may analyze images to provide feedback to the insured user (e.g., insurance estimates).
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公开(公告)号：US10176524B1
公开(公告)日：2019-01-08
申请号：US14922914
申请日：2015-10-26
发明人： Jennifer A. Brandmaier , Martin Higgins , William Loo , Christopher G. Plachta , Philip Peter Ramirez
摘要： One or more driving analysis computing devices in a driving analysis system may be configured to collect vehicle driving data and infrastructure data in response to a collision. Vehicle driving data may be received from a first vehicle involved in the collision and a second vehicle involved in the collision. Vehicle driving data may be received for vehicles within a defined radius of the first vehicle and/or the second vehicle. Infrastructure data from infrastructure elements within a defined vicinity of the first vehicle and/or the second vehicle may be received. The received data may be used to initiate an insurance claim, assess fault for the collision, and detect fraudulent claims.
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68.发明授权Configuring an application task list of an application based on previous selections of application tasks 有权基于先前选择的应用程序任务配置应用程序的应用程序任务列表公开(公告)号：US09280252B1
公开(公告)日：2016-03-08
申请号：US13791308
申请日：2013-03-08
发明人： Jennifer A. Brandmaier , James Gillespie , Stephen Hughes , Daniel Koza , William Loo , Francis Lowry
CPC分类号： G06Q40/08
摘要： An insurance application operating at a mobile computing device may request a set of recommended insurance tasks for a recommendation engine. The request may identify a user associated with the insurance application, and the recommendation engine may associate the user with a user group based on user profile attributes associated with the user. The recommendation engine may determine which tasks available for selection at the insurance application to include in the set of recommended insurance tasks based on selection trend data associated with the user group. The recommendation engine may provide the set of recommended insurance tasks to the insurance application, and the insurance application may configure an insurance task list that includes insurance tasks of the set of recommended insurance tasks.
摘要翻译： 在移动计算设备上操作的保险申请可以为推荐引擎请求一组推荐的保险任务。 该请求可以识别与保险应用相关联的用户，并且推荐引擎可以基于与用户相关联的用户简档属性来将用户与用户组相关联。 推荐引擎可以基于与用户组相关联的选择趋势数据来确定在保险应用处可选择哪些可选择的任务以包括在所推荐的保险任务集合中。 推荐引擎可以向保险申请提供一组推荐的保险任务，并且保险申请可以配置包括一组推荐保险任务的保险任务的保险任务列表。
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公开(公告)号：US08799034B1
公开(公告)日：2014-08-05
申请号：US13791338
申请日：2013-03-08
发明人： Jennifer A. Brandmaier , James Gillespie , Stephen Hughes , Daniel Koza , William Loo , Francis Lowry
摘要： A communication module may receive communications from a vehicle. A collision detection module may determine that a collision has occurred at a vehicle based on one or more of the communications received from a vehicle. A participant identification module may identify one or more participants involved in the collision based on one or more communications received from the vehicle. A fault determination module may identify one of the participants as the at-fault participant based on a comparison of a fault determination ruleset to vehicle telematics data included in one or more of the communications received from the vehicle. A claims processing module may determine whether to file an insurance claim associated with one of the participants based on the estimated repair cost.
摘要翻译： 通信模块可以接收来自车辆的通信。 碰撞检测模块可以基于从车辆接收到的通信中的一个或多个来确定车辆发生了碰撞。 参与者识别模块可以基于从车辆接收的一个或多个通信来识别参与碰撞的一个或多个参与者。 故障确定模块可以基于故障确定规则集与从车辆接收到的一个或多个通信中包括的车辆远程信息数据的比较来将参与者中的一个识别为非故障参与者。 索赔处理模块可以基于估计的维修成本来确定是否提交与一个参与者相关联的保险索赔。
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公开(公告)号：US11989785B1
公开(公告)日：2024-05-21
申请号：US16905415
申请日：2020-06-18
发明人： Nicholas A. Suizzo , Alinawaz Ismaili , Jennifer A. Brandmaier , James Gillespie , Stephen Hughes , Daniel Koza , William Loo , Francis Lowry
摘要： Systems and methods for the automatic exchange of insurance information in response to a collision event are provided. A wireless communication device may collect telematics data related to operation of a vehicle. The wireless communication device may detect the occurrence of a collision event involving the vehicle based on the telematics data collected. The wireless communication device may discover another wireless communication device locating in the vicinity of the collision event that has also detected a collision event. The wireless device may initiate an exchange of insurance information with that other wireless communication device. Other types of information may be exchanged between the wireless devices as well as between an insurance system in signal communication with the wireless devices in response to a collision event.
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