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公开(公告)号：US12118620B2
公开(公告)日：2024-10-15
申请号：US18157206
申请日：2023-01-20
发明人： Joseph Robert Brannan , Brian N. Harvey , Ryan Michael Gross , J. Lynn Wilson , Matthew Eric Riley, Sr.
IPC分类号： G06F16/00 , G06F16/9035 , G06F16/9535 , G06Q30/0645 , G06Q40/08 , G06Q50/00
CPC分类号： G06Q40/08 , G06F16/9035 , G06F16/9535 , G06Q30/0645 , G06Q50/01
摘要： A matching computer system for electronically generating, matching, and providing online user profiles, and determining a sharing score between the online user profiles is provided. The matching computer system may be configured to generate online user profiles associated with users of the systems. The matching computer system may be also configured to calculate a base score based upon the generated online user profile. Each base score represents a level of trustworthiness of each respective user. The matching computer system may be further configured to determine a sharing score between users based upon the base scores. Each sharing score represents a level of matching between the online user profiles.
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2.发明公开公开(公告)号：US20240338778A1
公开(公告)日：2024-10-10
申请号：US18749163
申请日：2024-06-20
IPC分类号： G06Q40/08 , G06Q10/20 , G06Q20/10 , G06Q30/0201 , G06Q30/0207 , G06Q30/0282 , G06Q40/02 , G06Q50/40 , G07C5/00 , G07C5/08 , G10L15/18
CPC分类号： G06Q40/08 , G06Q10/20 , G06Q20/102 , G06Q30/0206 , G06Q30/0215 , G06Q30/0282 , G06Q40/02 , G06Q50/40 , G07C5/008 , G07C5/0808 , G07C5/085 , G10L15/1822
摘要： A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.
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公开(公告)号：US20240311922A1
公开(公告)日：2024-09-19
申请号：US18462055
申请日：2023-09-06
摘要： Apparatuses, systems and methods are provided for checking code for errors. The apparatuses, systems and methods may send a target code and a prompt for code checking to a machine learning (ML) chatbot to cause the ML chatbot to check the target code for errors. The apparatuses, systems and methods may determine whether there is an error in the target code based at least partially on a response from the ML chatbot. The apparatuses, systems and methods may, responsive to determining that there is an error in the target code, determine, via an interaction with the ML chatbot, whether there is a solution to fix the error. The apparatuses, systems and methods may, responsive to determining that there is a solution to fix the error, cause the ML chatbot to (i) fix the error, and/or (ii) present the error and/or the solution to a user.
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公开(公告)号：US20240281891A1
公开(公告)日：2024-08-22
申请号：US18204637
申请日：2023-06-01
摘要： The following relates generally to using artificial intelligence (AI) and/or machine learning (ML) to recommend a change in insurance coverage. In some embodiments, one or more processors: receive customer information of an insurance customer; determine that an insurance change recommendation trigger has occurred by routing the customer information into an insurance recommendation machine learning and/or artificial intelligence algorithm; and in response to determining the insurance change recommendation trigger, send a recommendation for an insurance policy change for the insurance customer.
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公开(公告)号：US20240281890A1
公开(公告)日：2024-08-22
申请号：US18204625
申请日：2023-06-01
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： The following relates generally to building a ground truth insurance database. In some embodiments, one or more processors: (1) receive potential insurance database information comprising (i) insurance company application (app) information, (ii) anonymized insurance claim information, (iii) police report information, and/or (iv) auxiliary information; (2) retrieve, from an insurance ground truth insurance database, existing ground truth insurance information by querying the ground truth database based upon the potential insurance database information; (3) determine if the potential insurance database information should be added to the insurance ground truth database by comparing the potential insurance database information to the existing ground truth insurance information; and/or (4) if the potential insurance database information should be added to the insurance ground truth database, add the potential insurance database information to the insurance ground truth database.
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公开(公告)号：US12002305B1
公开(公告)日：2024-06-04
申请号：US16780512
申请日：2020-02-03
CPC分类号： G07C5/0808 , G06Q40/02 , G06Q40/08 , G07C5/008 , G07C5/085
摘要： A vehicle analytics (VA) computing device may be configured to: (i) receive, from the connected vehicle, telematics data corresponding to the connected vehicle; (ii) identify a plurality of trips of the vehicle based upon the telematics data; (iii) store the telematics data corresponding to each trip of the plurality of trips in a database in association with a trip identifier corresponding to the trip; (iv) determine, for each of the plurality of trips, a number of passengers present in the vehicle; (v) store the determined number of passengers in the database in association with the trip identifier corresponding to the trip; and (vi) calculate an insurance premium associated with an insurance policy based upon the determined number of passengers in the vehicle.
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公开(公告)号：US20240161120A1
公开(公告)日：2024-05-16
申请号：US18114811
申请日：2023-02-27
IPC分类号： G06Q30/015 , G06N3/006 , G06N20/00
CPC分类号： G06Q30/015 , G06N3/006 , G06N20/00
摘要： Systems and methods for generating a virtual synthetic representative based upon a person or user are disclosed. Personal data associated with a person is collected, including personal data regarding a past communication of the person. One or more attributes indicative of personal mannerisms of the individual person are identified from the personal data. A synthetic virtual representative profile is then created from the identified personal mannerisms, and a synthetic virtual representative is virtually constructed based upon the virtual representative profile. The synthetic representative construction including a visual representation of the representative in a virtual environment.
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8.发明授权公开(公告)号：US11954736B1
公开(公告)日：2024-04-09
申请号：US16780634
申请日：2020-02-03
IPC分类号： G06Q40/00 , G06Q30/0201 , G06Q30/0282 , G06Q40/02 , G06Q40/08 , G07C5/00 , G07C5/08 , G10L15/18
CPC分类号： G06Q40/08 , G06Q30/0206 , G06Q30/0282 , G06Q40/02 , G07C5/008 , G07C5/0808 , G07C5/085 , G10L15/1822
摘要： A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.
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公开(公告)号：US20240112242A1
公开(公告)日：2024-04-04
申请号：US18124402
申请日：2023-03-21
IPC分类号： G06Q30/0601 , G06Q30/0283 , G06Q40/08
CPC分类号： G06Q30/0631 , G06Q30/0283 , G06Q30/0633 , G06Q30/0643 , G06Q40/08
摘要： The following relates generally to assisting with replacement of a physical item. In some embodiments, one or more processors: receive an indication of an insurance claim including an indication of a physical item to be replaced; determine a set of potential replacement items for the physical item to be replaced; retrieve virtual data of the set of potential replacement items; and present, in a virtual environment, the set of potential replacement items to a user.
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公开(公告)号：US20240087038A1
公开(公告)日：2024-03-14
申请号：US18124168
申请日：2023-03-21
CPC分类号： G06Q40/08 , G06Q20/3821 , G06Q20/3829 , G06Q20/40145 , G06Q2220/00
摘要： The following relates generally to providing a virtual insurance kiosk within a virtual environment. In some embodiments, an insurance server receives authentication credentials of a user device attempting to interact with the virtual insurance kiosk. The insurance server may authenticate the user device and establish a secure connection to the user device. The insurance server may then provide an insurance service to the user device. The following also relates generally to providing a secure virtual mall within a virtual environment. In some embodiments, a mall server receives authentication credentials from a user device and/or a vender server. The mall server may then authenticate the user to establish secure connection(s) to the user device and/or vender server. The mall server may process transactions between the user device and vender server, such as by underwriting insurance products related to the transactions.
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