公开(公告)号：US20150112718A1

公开(公告)日：2015-04-23

申请号：US14259780

申请日：2014-04-23

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： David Turrentine ,  Jeremy Myers ,  Abby Tohline ,  Angi Bobsin ,  Kelly S. Minter ,  Miranda Kemp ,  Larry J. Ingrum

IPC: G06F19/00

CPC classification number: G06F19/328 ,  A61B5/1171 ,  A61B5/150022 ,  A61B5/150305 ,  A61B5/150358 ,  A61B5/150755 ,  A61B5/150786 ,  A61B5/15142 ,  A61B10/0045 ,  A61B10/0051 ,  A61B2010/0087 ,  A61B2503/12 ,  A61B2560/0406 ,  G01N2001/005 ,  G06Q40/08 ,  G06Q50/22 ,  G16H10/40

Abstract: The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score.

Abstract translation: 本公开一般涉及生物样品，例如干血斑（DBS）样品，呼吸样品，内皮样品，唾液样品等，样品供体的收集试剂盒和鉴定机制。 本公开还涉及使用生物样品分析信息和认证信息生成生物标志物数据的系统和方法。 生物标记数据可用于确定保险分数。

公开(公告)号：US20150100505A1

公开(公告)日：2015-04-09

申请号：US14047259

申请日：2013-10-07

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Todd Binion ,  Kelly S. Minter ,  Heidi Brown-McCreery ,  Michael Harris ,  Jeremy Myers ,  Brian Fields ,  Joe Harr

IPC: G07C5/00 ,  G06Q30/02

CPC classification number: G07C5/008 ,  G06Q30/0278

Abstract: A method for assessing an operator of a shared vehicle includes receiving a vehicle operator enrollment from a user, wherein the vehicle operator enrollment includes: (i) information identifying a vehicle operated by the user, and (ii) information identifying a shared vehicle. Further, the method includes retrieving condition data corresponding to the vehicle from a condition database, wherein a device inside the vehicle generates at least some of the condition data while the vehicle is being operated by the user, analyzing the condition data to determine a correlation between the user operating the vehicle and a change in a condition of the vehicle, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle, and generating a report, wherein the report includes indications of the correlation between the user operating the vehicle and the change in the condition of the vehicle. In addition, the method includes communicating, via the computer network, the report to a remote computing device for presentation to a user.

Abstract translation: 用于评估共享车辆的操作者的方法包括从用户接收车辆驾驶员登记，其中所述车辆驾驶员登记包括：（i）识别由所述用户操作的车辆的信息，以及（ii）识别共享车辆的信息。 此外，该方法包括从条件数据库检索与车辆相对应的条件数据，其中车辆内部的装置在车辆由用户操作时产生条件数据中的至少一些，分析条件数据以确定 操作车辆的用户和车辆状态的变化，其中车辆的状况与车辆的质量或价值中的至少一个相关，并且生成报告，其中所述报告包括： 用户操作车辆和车辆状况的变化。 此外，该方法包括经由计算机网络将报告传送到远程计算设备以呈现给用户。

公开(公告)号：US20150100504A1

公开(公告)日：2015-04-09

申请号：US14047256

申请日：2013-10-07

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Todd Binion ,  Kelly S. Minter ,  Heidi Brown-McCreery ,  Michael Harris ,  Jeremy Myers ,  Brian Fields ,  Joe Harr

IPC: G06Q30/02

Abstract: A computer-implemented method includes receiving a vehicle condition query via a computer network and retrieving condition data corresponding to a vehicle from a vehicle condition database. Further, the method includes determining a condition of the vehicle based on a collective analysis of the condition data, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle, and developing one or more condition descriptors reflecting the condition of the vehicle. Still further, the method includes generating a vehicle condition report including an indication of the one or more condition descriptors and communicating, via the computer network, the vehicle condition report to a remote computing device for presentation to a user of the remote computing device.

Abstract translation: 计算机实现的方法包括经由计算机网络接收车辆状况查询，并从车辆状态数据库检索对应于车辆的条件数据。 此外，该方法包括基于条件数据的集合分析来确定车辆的状况，其中车辆的状况与车辆的质量或价值中的至少一个相关，并且开发一个或多个条件描述符，其反映 车辆的状况。 此外，该方法包括生成包括一个或多个条件描述符的指示并且经由计算机网络将车辆状况报告通信给远程计算设备以呈现给远程计算设备的用户的车辆状态报告。