公开(公告)号：US10573146B1

公开(公告)日：2020-02-25

申请号：US14873865

申请日：2015-10-02

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Jackie O. Jordan, II ,  John Donovan ,  David Turrentine ,  Torri Wollenschlager ,  Bryan R. Nussbaum ,  Deanna Stockweather ,  Jeffrey W. Stoiber ,  Kerstin Markwardt ,  Gail L. Carlson ,  Kyle C. Schiebel ,  Troy Winslow ,  Joseph P. Harr ,  Ellakate Wagner ,  Michael Harris, Jr. ,  Jennylind Sun

IPC: G06Q40/00 ,  G06Q40/08 ,  G08B21/02 ,  G08B21/18 ,  H04L29/08 ,  G08B21/04

Abstract: The present embodiments relate to detecting instances of individuals being in peril within an independent or assisted living environment. According to certain aspects, with an individual's permission or affirmative consent, a hardware controller (such as a smart or interconnected home controller, or even a mobile device) may receive and analyze sensor data detected within the independent or assisted living environment to determine whether an individual may be in peril. In this circumstance, the hardware controller may generate a notification that indicates the situation and may communicate the notification to a proper individual, such as a family member or care giver, who may be in a position to mitigate or alleviate any risks posed by the situation. The foregoing functionality also may be used by an insurance provider to generate, update, or adjust insurance policies, premiums, rates, or discounts, and/or make recommendations to an insured individual.

公开(公告)号：US10282961B1

公开(公告)日：2019-05-07

申请号：US15895149

申请日：2018-02-13

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Jackie O. Jordan, II ,  John Donovan ,  David Turrentine ,  Torri Wollenschlager ,  Bryan R. Nussbaum ,  Deanna Stockweather ,  Jeffrey W. Stoiber ,  Kerstin Markwardt ,  Gail L. Carlson ,  Kyle C. Schiebel ,  Troy Winslow ,  Joseph P. Harr ,  Ellakate Wagner ,  Michael Harris, Jr. ,  Jennylind Sun

IPC: G08B1/08 ,  G08B21/02 ,  G01C21/20 ,  H04L12/28 ,  G05B15/02 ,  H04W4/02

Abstract: Methods and systems for generating escape routes are provided. With a home owner's or insured's permission, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a home, as well as data received from an insurance provider. If it is determined that an emergency situation necessitating an evacuation exists, the smart home controller or insurance provider remote processor may automatically generate escape routes to guide occupants to safety. The smart home controller may then transmit the generated escape routes to inform occupants of emergency situation and how to reach safety. The smart home controller and/or insurance provider may also issue commands to smart devices to ensure the safety of the generated escape routes. Insurance policies, premiums, or discounts may be adjusted based upon the escape route determination functionality.

公开(公告)号：US10249158B1

公开(公告)日：2019-04-02

申请号：US14873942

申请日：2015-10-02

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Jackie O. Jordan, II ,  John Donovan ,  David Turrentine ,  Torri Wollenschlager ,  Bryan R. Nussbaum ,  Deanna Stockweather ,  Jeffrey W. Stoiber ,  Kerstin Markwardt ,  Gail L. Carlson ,  Kyle C. Schiebel ,  Troy Winslow ,  Joseph P. Harr ,  Ellakate Wagner ,  Michael Harris, Jr. ,  Jennylind Sun

IPC: G06Q40/00 ,  G08B7/06 ,  H04L29/08 ,  G08B17/10 ,  G06Q40/08

Abstract: Methods and systems for generating a response to detecting a fire on a property are provided. In certain aspects, a smart home controller (or other smart controller) may analyze data received from smart devices disposed on, within, or proximate to a property. If it is determined that a fire is present on the premises of the property, the smart home controller may determine a location of the fire as compared to the smart devices. The smart home controller may then generate and transmit instructions causing a portion of the smart devices to perform a set of actions to mitigate risks associated with the presence of the fire on the property. The smart home controller may also compare the location of the fire with a location of an occupant, and generate an escape route for the occupant. Insurance policies, premiums, or discounts may be adjusted based upon the fire response/mitigation functionality.

公开(公告)号：US08805708B1

公开(公告)日：2014-08-12

申请号：US14061332

申请日：2013-10-23

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: G06Q40/00 ,  G06Q40/08

CPC classification number: G06F19/328 ,  A61B5/117 ,  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 ,  G06F19/00 ,  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。