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公开(公告)号：US10776878B1
公开(公告)日：2020-09-15
申请号：US15637251
申请日：2017-06-29
Inventor： Andrew Joseph Zeglin , Jessica Lynn Shull , David Turrentine , Edward W. Breitweiser , Melinda Teresa Magerkurth
Abstract: A data aggregation and processing engine optimizes underwriting decisions in the life insurance industry by using social media data to reduce the level of underwriting required. Social media data enables underwriting thresholds based on risk assessments and credibility correlations within publicly available social media data sets with options for opting into more detailed analysis of private social data. Activity monitors further refine appropriate underwriting actions together with correlations with provided biographical data.
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公开(公告)号：US20210272192A1
公开(公告)日：2021-09-02
申请号：US15890956
申请日：2018-02-07
Inventor： Jacob J. Alt , Jessica Lynn Shull , Joseph Robert Brannan , Daryoush Hakimi
Abstract: Systems and methods may provide for a flexible loan product that may dynamically change to account for uneven or seasonal income of a customer. Some flexible loan products may include loan, warranty, and/or insurance payments. Past and/or current customer data, such as past and current income, predicted future income, current home or vehicle value, current interest rates, and/or vehicle or home maintenance, may be analyzed by artificial intelligence to periodically reassess and restructure the future loan payments.
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公开(公告)号：US20220366326A1
公开(公告)日：2022-11-17
申请号：US17878607
申请日：2022-08-01
Inventor： Craig Cope , Kristopher Keith Gaudin , Ryan Gross , Melissa C Miles , Jessica Lynn Shull , Michael K Cook
IPC: G06Q10/02 , G06F16/9537 , G06Q50/30 , G06F40/169
Abstract: Systems and methods relating to usage of multimodal transportation systems are disclosed. Such systems and methods may identify available local transportation modes for a user, such as vehicle-sharing, ridesharing, rental vehicles, taxicabs, owned vehicles, or public transit options. The available transportation modes may be compared, and recommendations may be presented to the user. Routes may be identified, compared, or recommended to a user, and scheduling or ticket purchasing may be facilitated. With user permission, user transportation data may be collected via a smartphone to identify user transportation patterns and preferences, thereby improving recommendations regarding and assessment of user transportation. Information regarding risks or other relevant factors associated with various transportation modes may be assessed for a user based upon typical characteristics of user transportation choices over a plurality of transportation scenarios, which may be indicated by a user transportation profile.
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公开(公告)号：US20210256601A1
公开(公告)日：2021-08-19
申请号：US15890966
申请日：2018-02-07
Inventor： Jacob J. Alt , Jessica Lynn Shull , Joseph Robert Brannan , Daryoush Hakimi
Abstract: Systems and methods may provide for customer pre-approval for a flexible loan product that may dynamically change to account for uneven or seasonal income of a customer. Some flexible loan products may include loan, warranty, and/or insurance payments. Past and/or current customer data, such as past and current income, predicted future income, current home or vehicle value, current interest rates, and/or vehicle or home maintenance, may be analyzed by artificial intelligence to periodically reassess and restructure the future loan payments.
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公开(公告)号：US11068999B1
公开(公告)日：2021-07-20
申请号：US16913463
申请日：2020-06-26
Inventor： Andrew Joseph Zeglin , Jessica Lynn Shull , David Turrentine , Edward W. Breitweiser , Melinda Teresa Magerkurth
Abstract: A data aggregation and processing engine optimizes underwriting decisions in the life insurance industry by using social media data to reduce the level of underwriting required. Social media data enables underwriting thresholds based on risk assessments and credibility correlations within publicly available social media data sets with options for opting into more detailed analysis of private social data. Activity monitors further refine appropriate underwriting actions together with correlations with provided biographical data.
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Patent Agency Ranking
公开(公告)号：US20210063173A1
公开(公告)日：2021-03-04
申请号：US17095067
申请日：2020-11-11
Inventor： Craig Cope , Kristopher Keith Gaudin , Ryan Gross , Melissa C. Miles , Jessica Lynn Shull , Michael K. Cook
Abstract: Systems and methods relating to usage of multimodal transportation systems are disclosed. Such systems and methods may identify available local transportation modes for a user, such as vehicle-sharing, ridesharing, rental vehicles, taxicabs, owned vehicles, or public transit options. The available transportation modes may be compared, and recommendations may be presented to the user. Routes may be identified, compared, or recommended to a user, and scheduling or ticket purchasing may be facilitated. With user permission, user transportation data may be collected via a smartphone to identify user transportation patterns and preferences, thereby improving recommendations regarding and assessment of user transportation. Information regarding risks or other relevant factors associated with various transportation modes may be assessed for a user based upon typical characteristics of user transportation choices over a plurality of transportation scenarios, which may be indicated by a user transportation profile.
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公开(公告)号：US20240328794A1
公开(公告)日：2024-10-03
申请号：US18737329
申请日：2024-06-07
Inventor： Craig Benjamin Cope , Kristopher Keith Gaudin , Ryan Gross , Melissa C. Miles , Jessica Lynn Shull , Michael K. Cook
IPC: G01C21/34 , G01C21/16 , G06F16/9537 , G06F40/169 , G06Q10/02 , G06Q40/08 , G06Q50/40
CPC classification number: G01C21/3438 , G01C21/3484 , G06F16/9537 , G06F40/169 , G06Q10/02 , G06Q40/08 , G06Q50/40 , G01C21/165
Abstract: Systems and methods relating to usage of multimodal transportation systems are disclosed. Such systems and methods may identify available local transportation modes for a user, such as vehicle-sharing, ridesharing, rental vehicles, taxicabs, owned vehicles, or public transit options. The available transportation modes may be compared, and recommendations may be presented to the user. Routes may be identified, compared, or recommended to a user, and scheduling or ticket purchasing may be facilitated. With user permission, user transportation data may be collected via a smartphone to identify user transportation patterns and preferences, thereby improving recommendations regarding and assessment of user transportation. Information regarding risks or other relevant factors associated with various transportation modes may be assessed for a user based upon typical characteristics of user transportation choices over a plurality of transportation scenarios, which may be indicated by a user transportation profile.
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公开(公告)号：US12013246B2
公开(公告)日：2024-06-18
申请号：US17095067
申请日：2020-11-11
Inventor： Craig Cope , Kristopher Keith Gaudin , Ryan Gross , Melissa C. Miles , Jessica Lynn Shull , Michael K. Cook
IPC: G01C21/00 , G01C21/34 , G06F16/9537 , G06F40/169 , G06Q10/02 , G06Q40/08 , G06Q50/40 , G01C21/16
CPC classification number: G01C21/3438 , G01C21/3484 , G06F16/9537 , G06F40/169 , G06Q10/02 , G06Q40/08 , G06Q50/40 , G01C21/165
Abstract: Systems and methods relating to usage of multimodal transportation systems are disclosed. Such systems and methods may identify available local transportation modes for a user, such as vehicle-sharing, ridesharing, rental vehicles, taxicabs, owned vehicles, or public transit options. The available transportation modes may be compared, and recommendations may be presented to the user. Routes may be identified, compared, or recommended to a user, and scheduling or ticket purchasing may be facilitated. With user permission, user transportation data may be collected via a smartphone to identify user transportation patterns and preferences, thereby improving recommendations regarding and assessment of user transportation. Information regarding risks or other relevant factors associated with various transportation modes may be assessed for a user based upon typical characteristics of user transportation choices over a plurality of transportation scenarios, which may be indicated by a user transportation profile.
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公开(公告)号：US20210366047A1
公开(公告)日：2021-11-25
申请号：US15890958
申请日：2018-02-07
Inventor： Jacob J. Alt , Jessica Lynn Shull , Joseph Robert Brannan , Daryoush Hakimi
Abstract: Systems and methods may provide for a flexible loan product that may dynamically change to account for uneven or seasonal income of a customer. Some flexible loan products may include loan, warranty, and/or insurance payments. Past and/or current customer data, such as past and current income, predicted future income, current home or vehicle value, current interest rates, and/or vehicle or home maintenance, may be analyzed by artificial intelligence to periodically reassess and restructure the future loan payments.
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公开(公告)号：US10895463B1
公开(公告)日：2021-01-19
申请号：US16182703
申请日：2018-11-07
Inventor： Craig Cope , Kristopher Keith Gaudin , Ryan Gross , Melissa C Miles , Jessica Lynn Shull , Michael K Cook
Abstract: Systems and methods relating to usage of multimodal transportation systems are disclosed. Such systems and methods may identify available local transportation modes for a user, such as vehicle-sharing, ridesharing, rental vehicles, taxicabs, owned vehicles, or public transit options. The available transportation modes may be compared, and recommendations may be presented to the user. Routes may be identified, compared, or recommended to a user, and scheduling or ticket purchasing may be facilitated. With user permission, user transportation data may be collected via a smartphone to identify user transportation patterns and preferences, thereby improving recommendations regarding and assessment of user transportation. Information regarding risks or other relevant factors associated with various transportation modes may be assessed for a user based upon typical characteristics of user transportation choices over a plurality of transportation scenarios, which may be indicated by a user transportation profile.
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