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1.发明申请公开(公告)号：US20250078168A1
公开(公告)日：2025-03-06
申请号：US18949744
申请日：2024-11-15
Inventor： Joshua M. Mast , Douglas L. Dewey , Todd Binion , Jeffrey Feid
Abstract: Systems and methods are provided for automating property assessment using probable roof loss confidence scores. More particularly, the systems and methods may generate a base-line probable roof loss confidence score based upon buildings, roof, weather, hail, and climate data. The systems and methods may predict a specific event and a set of characteristics of the specific event. The systems and methods may predict a level of roof damage and a cost of roof damage based upon the predicted level of roof damage. The systems and methods may adjust a risk-related factor, and may further adjust policy parameters based upon the risk-related factor. A probable roof loss confidence score may be generated, as well as property insurance claims data or property insurance loss mitigation data based upon probable roof loss confidence score data.
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公开(公告)号：US20240362013A1
公开(公告)日：2024-10-31
申请号：US18765905
申请日：2024-07-08
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion , Aaron Scott Chan
IPC: G06F8/65 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/00 , B60W50/02 , B60W50/04 , B60W50/08 , B60W50/12 , B60W50/14 , B60W60/00 , B62D15/02 , G01C21/34 , G05D1/248 , G05D1/617 , G06Q30/0201 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/08 , G08B25/10 , G08G1/09 , G08G1/0962 , G08G1/14
CPC classification number: G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/082 , B60W50/12 , B60W50/14 , B60W60/0053 , B60W60/0059 , B60W60/007 , B62D15/0285 , G01C21/3407 , G05D1/248 , G05D1/617 , G06Q30/0206 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10 , G08G1/091 , G08G1/0962 , G08G1/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0075 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2420/403 , B60W2540/043 , B60W2540/22 , B60W2540/221 , B60W2540/26 , B60W2556/45 , B60W2756/10 , B60W2900/00
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, the operating status of the features, the identity of a vehicle operator, risk levels for operation of the vehicle by the vehicle operator, or damage to the vehicle may be determined based upon sensor or other data. According to further aspects, decisions regarding transferring control between the features and the vehicle operator may be made based upon sensor data and information regarding the vehicle operator. Additional aspects may recommend or install updates to the autonomous operation features based upon determined risk levels. Some aspects may include monitoring transportation infrastructure and communicating information about the infrastructure to vehicles.
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公开(公告)号：US20240256260A1
公开(公告)日：2024-08-01
申请号：US18627744
申请日：2024-04-05
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carlo Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: G06F8/65 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/00 , B60W50/02 , B60W50/04 , B60W50/08 , B60W50/12 , B60W50/14 , B60W60/00 , B62D15/02 , G01C21/34 , G05D1/248 , G05D1/617 , G06Q30/0201 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/08 , G08B25/10 , G08G1/09 , G08G1/0962 , G08G1/14
CPC classification number: G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/082 , B60W50/12 , B60W50/14 , B60W60/0053 , B60W60/0059 , B60W60/007 , B62D15/0285 , G01C21/3407 , G05D1/248 , G05D1/617 , G06Q30/0206 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10 , G08G1/091 , G08G1/0962 , G08G1/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0075 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2420/403 , B60W2540/043 , B60W2540/22 , B60W2540/221 , B60W2540/26 , B60W2556/45 , B60W2756/10 , B60W2900/00
Abstract: According to certain aspects, a computer-implemented method for operating an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, an identity of a vehicle operator may be identified and a vehicle operator profile may be retrieved. Operating data regarding autonomous operation features operating the vehicle may be received from vehicle-mounted sensors. When a request to disable an autonomous feature is received, a risk level for the autonomous feature is determined and compared with a driver behavior setting for the autonomous feature stored in the vehicle operator profile. Based upon the risk level comparison, the autonomous vehicle retains control of vehicle or the autonomous feature is disengaged depending upon which is the safer driver—the autonomous vehicle or the vehicle human occupant. As a result, unsafe disengagement of self-driving functionality for autonomous vehicles may be alleviated. Insurance discounts may be provided for autonomous vehicles having this safety functionality.
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公开(公告)号：US20240242291A1
公开(公告)日：2024-07-18
申请号：US18618863
申请日：2024-03-27
Inventor： Scott T. Christensen , Gregory L. 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, mobile computing devices, 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 described. The computer-implemented methods may include tracking, in conjunction with one or more sensors, a particular type of usage data of the customer vehicle based on a coverage type, of a plurality of coverage types, for the customer vehicle; transmitting, to a computing device, the particular type of usage data; receiving, from the computing device, one or more insurance policy quotes corresponding to the coverage type for the customer vehicle; and displaying the one or more insurance policy quotes in a user interface of the mobile computing device.
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公开(公告)号：US11823281B2
公开(公告)日：2023-11-21
申请号：US17734814
申请日：2022-05-02
Inventor： Daryoush Hakimi-Boushehri , Jackie O. Jordan, II , Shawn M. Call , John H. Weekes , Ronny S. Bryant , Jennifer Criswell Kellett , Todd Binion , Elisabeth McDermeit , John Donovan
IPC: G06Q40/08 , G06Q50/16 , G05B15/02 , G06Q10/10 , G16Y10/50 , E03B7/07 , H04L12/28 , G08B21/20 , G06Q30/02 , G16Y40/10 , G08B21/04
CPC classification number: G06Q40/08 , E03B7/071 , G05B15/02 , G06Q10/10 , G06Q30/0278 , G06Q50/16 , G06Q50/163 , G08B21/20 , G16Y10/50 , H04L12/2823 , H04L12/2827 , G05B2219/163 , G05B2219/2642 , G08B21/043 , G16Y40/10 , H04L12/2803
Abstract: Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.
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Patent Agency Ranking
公开(公告)号：US20230070573A1
公开(公告)日：2023-03-09
申请号：US17985944
申请日：2022-11-14
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, the operating status and/or configuration of autonomous operation features of an autonomous or semi-autonomous vehicle may be determined, such as via an on-board computer system or mobile device, and/or then directly or indirectly wirelessly communicated via data transmission from the vehicle computer system or mobile device to a remote server. An adjustment to one or more risk levels associated with operation of the autonomous or semi-autonomous vehicle may also be determined, and an auto insurance policy, premium, or discount may be adjusted based upon the adjustment to the risk levels and presented to the customer for their review and approval. As a result, insurance cost savings may be passed onto risk averse customers that opt into to a rewards program.
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公开(公告)号：US20230032251A1
公开(公告)日：2023-02-02
申请号：US17380148
申请日：2021-07-20
Inventor： Joshua M. Mast , Douglas L. Dewey , Todd Binion , Jeffrey Feid
Abstract: Apparatuses, systems and methods are provided for generating enterprise data relating to roof damage associated with weather and hail data. The apparatuses, systems and methods may determine aspects of a proposed service related to roof damage (e.g., damage extent, repair estimates, or repair timing) based upon the enterprise data and the base-line probable roof loss confidence scores. The apparatuses, systems and methods may generate probable roof loss confidence score data based upon the base-line probable roof loss confidence scores, weather event data and hail event data. The apparatuses, systems and methods may determine aspects of a proposed service related to roof damage (e.g., damage extent, repair estimates, or repair timing) based upon the enterprise data and the probable roof loss confidence score.
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公开(公告)号：US11301890B2
公开(公告)日：2022-04-12
申请号：US17039875
申请日：2020-09-30
Inventor： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steve J. Balbach , Brian Mark Fields , Kyle Pott
Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.
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公开(公告)号：US20220084131A1
公开(公告)日：2022-03-17
申请号：US17533959
申请日：2021-11-23
Inventor： Todd Binion , Andrea Lee Rhoades
IPC: G06Q40/08
Abstract: The present disclosure generally relates to systems and methods for generating data representative of an individual's insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.
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10.发明申请公开(公告)号：US20220067765A1
公开(公告)日：2022-03-03
申请号：US17039875
申请日：2020-09-30
Inventor： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steve J. Balbach , Brian Mark Fields , Kyle Pott
IPC: G06Q30/02
Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.
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