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1.
公开(公告)号:US20240001912A1
公开(公告)日:2024-01-04
申请号:US17088412
申请日:2020-11-03
Inventor: Alexander Cardona , Kip Wilson , David Frank , Phillip Michael Wilkowski , Nolan White
IPC: B60W30/08 , G08G1/01 , B60W40/06 , B60W40/105 , G06Q40/08
CPC classification number: B60W30/08 , G08G1/0112 , B60W40/06 , B60W40/105 , G06Q40/08 , B60W2552/53 , B60W2420/42 , B60W2552/20 , B60W2520/10 , B60W2420/52 , B60W2030/082
Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.
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2.
公开(公告)号:US20240273752A1
公开(公告)日:2024-08-15
申请号:US18643686
申请日:2024-04-23
Inventor: Alexander Cardona , Kip Wilson , David Frank , Phillip Michael Wilkowski , Nolan White
IPC: G06T7/70 , G01C21/34 , G01C21/36 , G06F16/58 , G06F16/587 , G06Q40/08 , G06T7/20 , G06T7/292 , G06V20/54 , G06V20/56 , G06V20/58
CPC classification number: G06T7/70 , G01C21/3461 , G01C21/3484 , G01C21/3602 , G06F16/5866 , G06F16/587 , G06Q40/08 , G06T7/20 , G06T7/292 , G06V20/54 , G06V20/56 , G06V20/58 , G06V20/584 , G06T2207/30252
Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.
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公开(公告)号:US20240212078A1
公开(公告)日:2024-06-27
申请号:US18433608
申请日:2024-02-06
Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY , United Services Autimobile Association (USAA)
Inventor: Ryan Maurer , Nolan White , Kyle D. Weber , Edward Austin , William Guthrie , Dustin Helland , Bharat Prasad , Sharon Kay Haverlah , Karen Marie Shackelford-George
CPC classification number: G06Q50/18 , G06F16/2365 , H04L9/3236
Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements.
In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.-
4.
公开(公告)号:US20220392004A1
公开(公告)日:2022-12-08
申请号:US17529983
申请日:2021-11-18
Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY , United Services Automobile Association (USAA)
Inventor: Ryan Maurer , Nolan White , Kyle D. Weber , Edward Austin , William Guthrie , Dustin Helland , Bharat Prasad , Sharon Kay Haverlah , Karen Marie Shackelford-George
Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.
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5.
公开(公告)号:US20230377078A1
公开(公告)日:2023-11-23
申请号:US18201027
申请日:2023-05-23
Inventor: Alexander Cardona , Kip Wilson , David Frank , Phillip Michael Wilkowski , Nolan White
IPC: G06Q50/26 , G06V20/58 , G06F16/29 , G07C5/00 , G06F16/58 , G06N20/00 , G06F3/0484 , G06F16/54 , G06V20/56 , G08G1/052 , G06Q10/20
CPC classification number: G06Q50/26 , G06V20/584 , G06F16/29 , G07C5/008 , G06F16/5866 , G06N20/00 , G06F3/0484 , G06F16/54 , G06V20/588 , G08G1/052 , G06Q10/20 , G01C21/3848
Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.
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公开(公告)号:US20230076648A1
公开(公告)日:2023-03-09
申请号:US17980788
申请日:2022-11-04
Inventor: Alexander Cardona , Kip Wilson , David Frank , Phillip Michael Wilkowski , Nolan White
Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.
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公开(公告)号:US11461861B1
公开(公告)日:2022-10-04
申请号:US17530030
申请日:2021-11-18
Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY , United Services Automobile Association (USAA)
Inventor: Ryan Maurer , Nolan White , Kyle D. Weber , Edward Austin , William Guthrie , Dustin Helland , Bharat Prasad , Sharon Kay Haverlah , Karen Marie Shackelford-George
Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.
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公开(公告)号:US20240096457A1
公开(公告)日:2024-03-21
申请号:US18523473
申请日:2023-11-29
Inventor: Jeremy Garavaglia , John Larson , Jovonni Lee Pharr , Kip Wilson , Nolan White , Achyutha Srinivas Mudunuri , Wallace Taylor , Mike Aviles
Abstract: A computer system for generating an insurance policy for a user includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.
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公开(公告)号:US11922526B2
公开(公告)日:2024-03-05
申请号:US17896617
申请日:2022-08-26
Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY , United Services Automobile Association (USAA)
Inventor: Ryan Maurer , Nolan White , Kyle D. Weber , Edward Austin , William Guthrie , Dustin Helland , Bharat Prasad , Sharon Kay Haverlah , Karen Marie Shackelford-George
CPC classification number: G06Q50/18 , G06F16/2365 , H04L9/3236
Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.
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公开(公告)号:US11869637B2
公开(公告)日:2024-01-09
申请号:US18158965
申请日:2023-01-24
Inventor: Jeremy Garavaglia , John Larson , Jovonni Lee Pharr , Kip Wilson , Nolan White , Achyutha Srinivas Mudunuri , Wallace Taylor , Mike Aviles
Abstract: A computer system for generating an insurance policy for a user includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.
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