公开(公告)号：US12300113B2

公开(公告)日：2025-05-13

申请号：US17591668

申请日：2022-02-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Gregory Hayward

IPC: G08G7/02 ,  B60K35/00 ,  B60Q5/00 ,  B60W40/10 ,  B60W50/14 ,  G01C21/00 ,  G01C21/34 ,  G01C21/36 ,  G01S19/13 ,  G01S19/42 ,  G01S19/47 ,  G01S19/50 ,  G01S19/51 ,  G05D1/00 ,  G05D1/225 ,  G05D1/229 ,  G05D1/24 ,  G06Q10/047 ,  G06Q40/08 ,  G07C5/00 ,  G07C5/02 ,  G08G1/01 ,  G08G1/052 ,  G08G1/09 ,  G08G1/0965 ,  G08G1/0967 ,  G08G1/0968 ,  G08G1/127 ,  G08G1/16 ,  H04L65/611 ,  H04L67/12 ,  H04Q9/00 ,  H04W4/02 ,  H04W4/06 ,  H04W4/40 ,  H04L67/52

Abstract: A computer-implemented method of using telematics data at a destination device is provided. The destination device may be a mobile device associated with a driver, or a smart vehicle controller of a destination vehicle. The telematics data is generated by an originating mobile device (i) having a Telematics Application (or “App”), and (ii) associated with a second driver/vehicle, the telematics data including acceleration, braking, speed, heading, and location data associated with an originating vehicle. The telematics data may be broadcast from the originating mobile device to the destination device that (a) analyzes the telematics data received, (b) determines that an abnormal travel condition exists, and (c) automatically take corrective action that alleviates a negative impact of the abnormal travel condition on the destination vehicle to facilitate safer travel. A usage-based or other insurance discount may be provided based upon insured usage of the telematics data-based risk mitigation or prevention functionality.

公开(公告)号：US20250085120A1

公开(公告)日：2025-03-13

申请号：US18946602

申请日：2024-11-13

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Blake Konrardy ,  Gregory Hayward ,  Scott Farris ,  Scott T. Christensen

IPC: G01C21/34 ,  B60L53/36 ,  B60L58/12 ,  B60P3/12 ,  B60R16/023 ,  B60R21/00 ,  B60R21/01 ,  B60R21/0136 ,  B60R21/34 ,  B60R25/04 ,  B60R25/10 ,  B60R25/102 ,  B60R25/104 ,  B60R25/25 ,  B60R25/30 ,  B60R25/31 ,  B60W10/04 ,  B60W10/18 ,  B60W10/20 ,  B60W30/095 ,  B60W30/12 ,  B60W30/16 ,  B60W30/18 ,  B60W40/04 ,  B60W60/00 ,  G01B21/00 ,  G01C21/36 ,  G01S19/13 ,  G01S19/42 ,  G05B15/02 ,  G05B23/02 ,  G05D1/223 ,  G05D1/227 ,  G05D1/228 ,  G05D1/247 ,  G05D1/249 ,  G05D1/617 ,  G05D1/646 ,  G05D1/69 ,  G05D1/692 ,  G05D1/693 ,  G05D1/695 ,  G05D1/697 ,  G06F11/36 ,  G06F16/2455 ,  G06F16/903 ,  G06F17/00 ,  G06F21/32 ,  G06F21/55 ,  G06F30/15 ,  G06F30/20 ,  G06N20/00 ,  G06Q10/1093 ,  G06Q10/20 ,  G06Q30/0283 ,  G06Q30/0645 ,  G06Q40/08 ,  G06Q50/163 ,  G06Q50/26 ,  G06Q50/40 ,  G07C5/00 ,  G07C5/08 ,  G07C9/00 ,  G08B21/00 ,  G08B21/02 ,  G08B21/18 ,  G08B25/00 ,  G08B25/01 ,  G08G1/00 ,  G08G1/017 ,  G08G1/0965 ,  G08G1/0967 ,  G08G1/14 ,  G08G1/16 ,  G16Y10/80 ,  G16Y30/00 ,  H04L12/28 ,  H04L67/12 ,  H04L67/306 ,  H04N7/18

Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicles and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Vehicle collision and/or smart home incident monitoring, damage detection, and responses are also described, with particular focus on the particular challenges associated with incident response for unoccupied vehicles and/or smart homes. Operating data associated with the autonomous vehicle and/or smart home may be received. Within the operating, an unusual condition indicative of a likelihood of incident may be detected. Based on the unusual condition, it may be determined that the incident occurred. Accordingly, a response to the incident may be determined. The response may be implemented by the autonomous vehicle and/or smart home.

公开(公告)号：US12140959B2

公开(公告)日：2024-11-12

申请号：US18149488

申请日：2023-01-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Blake Konrardy ,  Scott T. Christensen ,  Gregory Hayward ,  Scott Farris

IPC: G06Q40/00 ,  B60W10/04 ,  B60W10/20 ,  B60W30/09 ,  B60W30/18 ,  G05D1/00 ,  G06N20/00 ,  G06Q40/08

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

公开(公告)号：US20240183673A1

公开(公告)日：2024-06-06

申请号：US18417786

申请日：2024-01-19

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Blake Konrardy ,  Scott T. Christensen ,  Gregory Hayward ,  Scott Farris

IPC: G01C21/34 ,  B60L53/36 ,  B60L58/12 ,  B60P3/12 ,  B60R16/023 ,  B60R21/00 ,  B60R21/01 ,  B60R21/0136 ,  B60R21/34 ,  B60R25/04 ,  B60R25/10 ,  B60R25/102 ,  B60R25/104 ,  B60R25/25 ,  B60R25/30 ,  B60R25/31 ,  B60W10/04 ,  B60W10/18 ,  B60W10/20 ,  B60W30/095 ,  B60W30/12 ,  B60W30/16 ,  B60W30/18 ,  B60W40/04 ,  B60W60/00 ,  G01B21/00 ,  G01C21/36 ,  G01S19/13 ,  G01S19/42 ,  G05B15/02 ,  G05B23/02 ,  G05D1/223 ,  G05D1/227 ,  G05D1/228 ,  G05D1/247 ,  G05D1/249 ,  G05D1/617 ,  G05D1/646 ,  G05D1/69 ,  G05D1/692 ,  G05D1/693 ,  G05D1/695 ,  G05D1/697 ,  G06F11/36 ,  G06F16/2455 ,  G06F16/903 ,  G06F17/00 ,  G06F21/32 ,  G06F21/55 ,  G06F30/15 ,  G06F30/20 ,  G06N20/00 ,  G06Q10/1093 ,  G06Q10/20 ,  G06Q30/0283 ,  G06Q30/0645 ,  G06Q40/08 ,  G06Q50/163 ,  G06Q50/26 ,  G06Q50/40 ,  G07C5/00 ,  G07C5/08 ,  G07C9/00 ,  G08B21/00 ,  G08B21/02 ,  G08B21/18 ,  G08B25/00 ,  G08B25/01 ,  G08G1/00 ,  G08G1/017 ,  G08G1/0965 ,  G08G1/0967 ,  G08G1/14 ,  G08G1/16 ,  G16Y10/80 ,  G16Y30/00 ,  H04L12/28 ,  H04L67/12 ,  H04L67/306 ,  H04N7/18

CPC classification number: G01C21/3461 ,  B60L53/36 ,  B60L58/12 ,  B60P3/12 ,  B60R16/0234 ,  B60R21/0136 ,  B60R21/34 ,  B60R25/04 ,  B60R25/10 ,  B60R25/1001 ,  B60R25/102 ,  B60R25/104 ,  B60R25/252 ,  B60R25/255 ,  B60R25/305 ,  B60R25/31 ,  B60W10/04 ,  B60W10/18 ,  B60W10/20 ,  B60W30/0956 ,  B60W30/12 ,  B60W30/16 ,  B60W30/18163 ,  B60W40/04 ,  B60W60/0023 ,  B60W60/0053 ,  B60W60/0059 ,  G01B21/00 ,  G01C21/34 ,  G01C21/3415 ,  G01C21/343 ,  G01C21/3438 ,  G01C21/3453 ,  G01C21/3469 ,  G01C21/3617 ,  G01C21/362 ,  G01C21/3697 ,  G01S19/13 ,  G05B15/02 ,  G05B23/0245 ,  G05D1/223 ,  G05D1/227 ,  G05D1/228 ,  G05D1/247 ,  G05D1/249 ,  G05D1/617 ,  G05D1/646 ,  G05D1/69 ,  G05D1/692 ,  G05D1/693 ,  G05D1/695 ,  G05D1/697 ,  G06F11/3688 ,  G06F11/3692 ,  G06F16/2455 ,  G06F16/90335 ,  G06F17/00 ,  G06F21/32 ,  G06F21/55 ,  G06F30/15 ,  G06F30/20 ,  G06Q10/1095 ,  G06Q10/20 ,  G06Q30/0284 ,  G06Q30/0645 ,  G06Q40/08 ,  G06Q50/163 ,  G06Q50/265 ,  G06Q50/40 ,  G07C5/006 ,  G07C5/008 ,  G07C5/0808 ,  G07C5/0816 ,  G07C5/0841 ,  G07C9/00563 ,  G08B21/00 ,  G08B21/02 ,  G08B21/18 ,  G08B25/00 ,  G08B25/014 ,  G08G1/017 ,  G08G1/0965 ,  G08G1/096725 ,  G08G1/146 ,  G08G1/148 ,  G08G1/161 ,  G08G1/165 ,  G08G1/166 ,  G08G1/167 ,  G08G1/20 ,  G16Y10/80 ,  G16Y30/00 ,  H04L12/2803 ,  H04L12/2816 ,  H04L12/2825 ,  H04L67/306 ,  H04N7/183 ,  B60R2021/0027 ,  B60R2021/01013 ,  B60R2025/1013 ,  B60W2420/403 ,  B60W2420/408 ,  B60W2530/209 ,  B60W2540/229 ,  B60W2552/05 ,  B60W2552/35 ,  B60W2554/4026 ,  B60W2554/4029 ,  B60W2554/4041 ,  B60W2554/406 ,  B60W2556/10 ,  G01S19/42 ,  G06F2221/034 ,  G06N20/00 ,  H04L67/12

Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicles and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the robustness of autonomous systems, including the use of virtual assessment of software components within a simulated environment. To this end, a server may retrieve one or more routines associated with autonomous operation. The server may also generate a set of test data associated with test conditions. The server may also execute an emulator that virtually simulates autonomous environment. The test data may be presented to the routines executing in the emulator to generate output data. The server may then analyze the output data to determine a quality metric.

公开(公告)号：US12002104B2

公开(公告)日：2024-06-04

申请号：US17701829

申请日：2022-03-23

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Scott T. Christensen ,  Gregory Hayward ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

IPC: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q10/0635 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G08G1/0968 ,  H04W4/40

CPC classification number: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q10/0635 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008 ,  G08G1/096838 ,  H04W4/40

Abstract: Computer-implemented methods, servers, and tangible, non-transitory computer-readable media storing instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle may be may be described. The computer-implemented methods, servers, and instructions may include receiving a coverage type for the customer vehicle, causing usage data corresponding to the coverage type to be tracked, receiving the usage data, generating the new insurance policy quotes corresponding to the coverage type based upon at least the usage data, and causing the new insurance policy quotes to be displayed.

公开(公告)号：US11972487B1

公开(公告)日：2024-04-30

申请号：US17190990

申请日：2021-03-03

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Gregory Hayward ,  Scott Christensen

IPC: G06Q40/08 ,  G06Q30/0283 ,  G07C5/00 ,  G07C5/02

CPC classification number: G06Q40/08 ,  G06Q30/0283 ,  G07C5/008 ,  G07C5/02

Abstract: Vehicle costs may be allocated between users of a vehicle, including autonomous vehicles. A vehicle cost allocation (VCA) computing device receives an anticipated trip report associated with an anticipated future trip, the anticipated trip report associated with at least one vehicle user including an anticipated driver of the vehicle and an anticipated passenger, the anticipated trip report including at least one of an anticipated destination and a distance of the anticipated future trip. The VCA computing device is also configured to determine one or more anticipated vehicle costs for the anticipated future trip. The vehicle costs may include usage-based or trip-based insurance. The VCA computing device is also configured to allocate a respective portion of the vehicle cost to the anticipated driver and passenger and transmit the anticipated vehicle costs to for review by the anticipated driver.

公开(公告)号：US11966980B2

公开(公告)日：2024-04-23

申请号：US17464941

申请日：2021-09-02

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Scott Thomas Christensen ,  Gregory Hayward ,  Steven Cielocha ,  Todd Binion

IPC: G06Q40/00 ,  G06Q10/0635 ,  G06Q30/0251 ,  G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q10/0635 ,  G06Q30/0266

Abstract: Methods and systems for improving vehicular safety by notifying vehicle operators of location-based risks are provided. According to embodiments, a processing server may receive an initial location of a vehicle. Based on location data associated with the initial location, the processing server can determine the risk of an incident. The processing server can generate a notification to communicate to the vehicle operator, and the vehicle operator can assess the risk and take action to mitigate the risk, for example by relocating the vehicle. The processing server can receive updated location data for the vehicle and can determine, based on the updated location data, that the risk has been mitigated.

公开(公告)号：US11898862B2

公开(公告)日：2024-02-13

申请号：US18117642

申请日：2023-03-06

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Blake Konrardy ,  Scott T. Christensen ,  Gregory Hayward ,  Scott Farris

IPC: G08G1/00 ,  B60W30/095 ,  B60W40/04 ,  B60R21/00 ,  B60R21/01 ,  H04L67/12 ,  G01S19/42 ,  G06N20/00 ,  G01C21/34 ,  B60W10/04 ,  B60W10/18 ,  B60W10/20 ,  B60W30/18 ,  G08G1/16 ,  G01S19/13 ,  G05D1/02 ,  G08G1/14 ,  B60L53/36 ,  G05B15/02 ,  G08B25/01 ,  H04L12/28 ,  G06F16/2455 ,  B60R25/04 ,  B60R25/10 ,  B60R25/102 ,  B60R25/25 ,  G06F21/32 ,  B60R21/0136 ,  B60R21/34 ,  G05D1/00 ,  G01C21/36 ,  G08G1/017 ,  B60P3/12 ,  G05B23/02 ,  G01B21/00 ,  G06F17/00 ,  G08B21/00 ,  G08B21/18 ,  G06Q10/1093 ,  G06Q10/20 ,  B60L58/12 ,  B60R25/104 ,  B60R25/30 ,  B60R25/31 ,  G06Q30/0283 ,  G06Q30/0645 ,  G06Q50/30 ,  G07C9/00 ,  G08B21/02 ,  G08B25/00 ,  H04L67/306 ,  G06F30/20 ,  G06F30/15 ,  G07C5/08 ,  G06F21/55 ,  G06Q50/16 ,  G08G1/0967 ,  G06F16/903 ,  G06Q50/26 ,  H04N7/18 ,  G16Y10/80 ,  G16Y30/00 ,  G06F11/36 ,  B60W60/00 ,  G06Q40/08 ,  B60R16/023 ,  G07C5/00 ,  G08G1/0965

CPC classification number: G01C21/3461 ,  B60L53/36 ,  B60L58/12 ,  B60P3/12 ,  B60R16/0234 ,  B60R21/0136 ,  B60R21/34 ,  B60R25/04 ,  B60R25/10 ,  B60R25/1001 ,  B60R25/102 ,  B60R25/104 ,  B60R25/252 ,  B60R25/255 ,  B60R25/305 ,  B60R25/31 ,  B60W10/04 ,  B60W10/18 ,  B60W10/20 ,  B60W30/0956 ,  B60W30/18163 ,  B60W40/04 ,  B60W60/0023 ,  B60W60/0053 ,  B60W60/0059 ,  G01B21/00 ,  G01C21/34 ,  G01C21/343 ,  G01C21/3415 ,  G01C21/3438 ,  G01C21/3453 ,  G01C21/3469 ,  G01C21/362 ,  G01C21/3617 ,  G01C21/3697 ,  G01S19/13 ,  G05B15/02 ,  G05B23/0245 ,  G05D1/0011 ,  G05D1/0055 ,  G05D1/0212 ,  G05D1/0231 ,  G05D1/0246 ,  G05D1/0255 ,  G05D1/0285 ,  G05D1/0287 ,  G05D1/0289 ,  G05D1/0293 ,  G05D1/0295 ,  G06F11/3688 ,  G06F11/3692 ,  G06F16/2455 ,  G06F16/90335 ,  G06F17/00 ,  G06F21/32 ,  G06F21/55 ,  G06F30/15 ,  G06F30/20 ,  G06Q10/1095 ,  G06Q10/20 ,  G06Q30/0284 ,  G06Q30/0645 ,  G06Q40/08 ,  G06Q50/163 ,  G06Q50/265 ,  G06Q50/30 ,  G07C5/006 ,  G07C5/008 ,  G07C5/0808 ,  G07C5/0816 ,  G07C5/0841 ,  G07C9/00563 ,  G08B21/00 ,  G08B21/02 ,  G08B21/18 ,  G08B25/00 ,  G08B25/014 ,  G08G1/017 ,  G08G1/0965 ,  G08G1/096725 ,  G08G1/146 ,  G08G1/148 ,  G08G1/161 ,  G08G1/165 ,  G08G1/166 ,  G08G1/167 ,  G08G1/20 ,  G16Y10/80 ,  G16Y30/00 ,  H04L12/2803 ,  H04L12/2816 ,  H04L12/2825 ,  H04L67/306 ,  H04N7/183 ,  B60R2021/0027 ,  B60R2021/01013 ,  B60R2025/1013 ,  B60W2420/403 ,  B60W2420/52 ,  B60W2530/209 ,  B60W2540/229 ,  B60W2552/05 ,  B60W2552/35 ,  B60W2554/406 ,  B60W2554/4026 ,  B60W2554/4029 ,  B60W2554/4041 ,  B60W2556/10 ,  G01S19/42 ,  G05D2201/0212 ,  G05D2201/0213 ,  G06F2221/034 ,  G06N20/00 ,  H04L67/12

Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicles and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the robustness of autonomous systems, including the use of virtual assessment of software components within a simulated environment. To this end, a server may retrieve one or more routines associated with autonomous operation. The server may also generate a set of test data associated with test conditions. The server may also execute an emulator that virtually simulates autonomous environment. The test data may be presented to the routines executing in the emulator to generate output data. The server may then analyze the output data to determine a quality metric.

公开(公告)号：US11823284B2

公开(公告)日：2023-11-21

申请号：US18121532

申请日：2023-03-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Gregory Hayward ,  Scott T. Christensen

IPC: G06Q40/00 ,  G06Q40/08 ,  G06Q20/28 ,  G06Q30/0272 ,  G06Q30/0226 ,  G06Q30/0207

CPC classification number: G06Q40/08 ,  G06Q20/28 ,  G06Q30/0215 ,  G06Q30/0233 ,  G06Q30/0272

Abstract: Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

公开(公告)号：US20230205684A1

公开(公告)日：2023-06-29

申请号：US18117642

申请日：2023-03-06

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Blake Konrardy ,  Scott T. Christensen ,  Gregory Hayward ,  Scott Farris

IPC: G06F11/36 ,  G16Y30/00 ,  G16Y10/80

CPC classification number: G06F11/3692 ,  G06F11/3688 ,  G16Y10/80 ,  G16Y30/00

Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicles and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the robustness of autonomous systems, including the use of virtual assessment of software components within a simulated environment. To this end, a server may retrieve one or more routines associated with autonomous operation. The server may also generate a set of test data associated with test conditions. The server may also execute an emulator that virtually simulates autonomous environment. The test data may be presented to the routines executing in the emulator to generate output data. The server may then analyze the output data to determine a quality metric.