公开(公告)号：US12086885B1

公开(公告)日：2024-09-10

申请号：US17403110

申请日：2021-08-16

Applicant: Allstate Insurance Company

Inventor： Wayne J. Kullman ,  Jennifer A. Brandmaier ,  Alinawaz Ismaili ,  William Loo ,  Philip Peter Ramirez ,  Grace Song ,  Alfasha Zulkifli

IPC: G06Q40/08 ,  G06Q30/0201

CPC classification number: G06Q40/08 ,  G06Q30/0201

Abstract: A computer-assisted method for determining, such as by a computing device, a success rate for a presentation page included in a plurality of insurance presentations is described herein. Based on the success rate for the presentation page, a display of a recommendation for an insurance agent to include the presentation page in an insurance presentation for a customer may be generated. The insurance agent may select an option to include the presentation in the insurance presentation, and the selection may be received at a computing device. The insurance presentation may then be generated to include the presentation page.

公开(公告)号：US11861724B2

公开(公告)日：2024-01-02

申请号：US17534722

申请日：2021-11-24

Applicant: Allstate Insurance Company

Inventor： Andrew L. Carbery ,  Daniel Koza ,  Christopher G. Plachta ,  Philip Peter Ramirez

IPC: G06Q40/00 ,  G06Q40/06 ,  G06Q10/10 ,  G06Q40/08

CPC classification number: G06Q40/08

Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

公开(公告)号：US11847667B2

公开(公告)日：2023-12-19

申请号：US17355685

申请日：2021-06-23

Applicant: Allstate Insurance Company

Inventor： Philip Peter Ramirez ,  Derek Otten ,  Dana Ferguson ,  Julie A. Jordan Peters ,  Regina Madigan ,  Thomas McKenna

IPC: G06Q30/0207 ,  B60K35/00 ,  G06Q40/08 ,  G06Q50/30 ,  G01C21/36 ,  G01C21/34 ,  G06Q10/04 ,  G06Q10/0635 ,  G08G1/0968 ,  G08G1/00 ,  G07C5/00 ,  G08G1/01

CPC classification number: G06Q30/0224 ,  B60K35/00 ,  G01C21/3461 ,  G01C21/3697 ,  G06Q10/04 ,  G06Q10/0635 ,  G06Q30/0207 ,  G06Q40/08 ,  G06Q50/30 ,  G07C5/008 ,  G08G1/012 ,  G08G1/0112 ,  G08G1/0129 ,  G08G1/096816 ,  G08G1/096827 ,  G08G1/096838 ,  G08G1/205

Abstract: Methods, computer-readable media, systems, and apparatuses for determining a safest road segment for traveling between two locations are provided. In some cases, a road segment safety rating may be determined for a plurality of road segments between the two locations based on historical data associated with the road segments and/or based on driving behavior data of an operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle may be compared to the safest route. If the actual route of travel is different from the determined safest route, the operator may be notified that an award may be earned when the determined safest route is traveled. If the actual route of travel is determined to be safer than the determined safest route, an award may be earned.

公开(公告)号：US11808604B2

公开(公告)日：2023-11-07

申请号：US17737401

申请日：2022-05-05

Applicant: Allstate Insurance Company

Inventor： Jennifer A. Brandmaier ,  Jeffrey Fitzgerald ,  Eric Huls ,  Joseph Kleinhenz ,  William Loo ,  Matthew James Manzella ,  Philip Peter Ramirez

IPC: G01C22/00

CPC classification number: G01C22/00

Abstract: 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.

公开(公告)号：US20230306457A1

公开(公告)日：2023-09-28

申请号：US17355685

申请日：2021-06-23

Applicant: Allstate Insurance Company

Inventor： Philip Peter Ramirez ,  Derek Otten ,  Dana Ferguson ,  Julie A. Jordan Peters ,  Regina Madigan ,  Thomas McKenna

IPC: G06Q30/02 ,  B60K35/00 ,  G06Q40/08 ,  G06Q50/30 ,  G01C21/36 ,  G01C21/34 ,  G06Q10/04 ,  G06Q10/06 ,  G08G1/0968 ,  G08G1/00 ,  G07C5/00 ,  G08G1/01

CPC classification number: G06Q30/0224 ,  B60K35/00 ,  G06Q40/08 ,  G06Q50/30 ,  G01C21/3697 ,  G01C21/3461 ,  G06Q10/04 ,  G06Q10/0635 ,  G06Q30/0207 ,  G08G1/096816 ,  G08G1/096827 ,  G08G1/096838 ,  G08G1/205 ,  G07C5/008 ,  G08G1/012 ,  G08G1/0112 ,  G08G1/0129

Abstract: Methods, computer-readable media, systems, and apparatuses for determining a safest road segment for traveling between two locations are provided. In some cases, a road segment safety rating may be determined for a plurality of road segments between the two locations based on historical data associated with the road segments and/or based on driving behavior data of an operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle may be compared to the safest route. If the actual route of travel is different from the determined safest route, the operator may be notified that an award may be earned when the determined safest route is traveled. If the actual route of travel is determined to be safer than the determined safest route, an award may be earned.

公开(公告)号：US11361385B2

公开(公告)日：2022-06-14

申请号：US16748206

申请日：2020-01-21

Applicant: Allstate Insurance Company

Inventor： Jennifer A. Brandmaier ,  Mark E. Faga ,  Robert H. Johnson ,  Daniel Koza ,  William Loo ,  Clint J. Marlow ,  Philip Peter Ramirez ,  Kurt M. Stricker

IPC: G06Q40/08

Abstract: 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.

公开(公告)号：US10768013B1

公开(公告)日：2020-09-08

申请号：US16531563

申请日：2019-08-05

Applicant: Allstate Insurance Company

Inventor： Jennifer A. Brandmaier ,  Jeffrey Fitzgerald ,  Eric D. Huls ,  Joseph Kleinhenz ,  William Loo ,  Matthew James Manzella ,  Philip Peter Ramirez

IPC: G01C22/00

Abstract: 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.

公开(公告)号：US10692149B1

公开(公告)日：2020-06-23

申请号：US14098874

申请日：2013-12-06

Applicant: Allstate Insurance Company

Inventor： William Loo ,  Jennifer A. Brandmaier ,  Philip Peter Ramirez

IPC: G06Q40/00 ,  G06Q40/08

Abstract: 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.

公开(公告)号：US10572944B1

公开(公告)日：2020-02-25

申请号：US14063517

申请日：2013-10-25

Applicant: Allstate Insurance Company

Inventor： Jennifer A. Brandmaier ,  Mark E. Faga ,  Robert H. Johnson ,  Daniel Koza ,  William Loo ,  Clint J. Marlow ,  Philip Peter Ramirez ,  Kurt M. Stricker

IPC: G06Q40/08

Abstract: 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.

公开(公告)号：US10332209B1

公开(公告)日：2019-06-25

申请号：US14190976

申请日：2014-02-26

Applicant: Allstate Insurance Company

Inventor： Jennifer A. Brandmaier ,  Mark E. Faga ,  Robert H. Johnson ,  Philip Peter Ramirez ,  Kurt M. Stricker ,  Joshua E. Campbell

IPC: G06Q40/08

Abstract: 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.