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公开(公告)号：US11532187B1
公开(公告)日：2022-12-20
申请号：US16540545
申请日：2019-08-14
发明人： 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
摘要： 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：US11175660B1
公开(公告)日：2021-11-16
申请号：US16238911
申请日：2019-01-03
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A Wazeer , Shawn C Bennett , Steven 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
IPC分类号： G05D1/00 , B60W50/12 , B60W30/095 , B60W40/09 , B60W30/09 , B60W50/14 , G06Q40/08 , B60W50/00 , B60W40/08
摘要： A computer-implemented method for operating an autonomous or semi-autonomous vehicle may include identifying a vehicle operator and retrieving an associated vehicle operator profile. Operating data regarding operation of the autonomous or semi-autonomous vehicle may be received that includes data from sensors disposed within the vehicle. When a request to enable an autonomous operation feature is received, (i) autonomous operation risk levels associated with vehicle operation by the autonomous operation feature based upon the received operating data, and (ii) operator risk levels associated with vehicle operation by the vehicle operator based upon the vehicle operator profile are determined. Autonomous operation feature enablement may be allowed based upon a comparison of (i) autonomous operation risk levels with (ii) operator risk levels. As a result, only safe autonomous feature engagement may be facilitated, and risk averse vehicle owners may receive insurance discounts based upon this safe autonomous feature engagement functionality.
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公开(公告)号：US10940866B1
公开(公告)日：2021-03-09
申请号：US16178809
申请日：2018-11-02
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A Wazeer , Shawn C Bennett , Steven 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
摘要： 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, a computer-implemented method for real-time determination of the status of autonomous operation features of an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, the operation of the autonomous or semi-autonomous vehicle may be monitored to obtain operating data from one or more autonomous operation features. An operating status of the autonomous features may be determined based upon the operating data. After which, a change in the operating status of the autonomous features may be identified, and a report containing information regarding the change in the operating status of the autonomous features may be generated. Insurance discounts may be provided to risk averse customers that maintain their autonomous vehicles, and associated accident avoidance functionality, in good working condition.
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公开(公告)号：US10824144B1
公开(公告)日：2020-11-03
申请号：US16509605
申请日：2019-07-12
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A Wazeer , Shawn C Bennett , Steven 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
IPC分类号： G05D1/00 , G06Q40/08 , B60W50/14 , B60W30/095 , B60W40/09 , B60W30/09 , B60W50/12 , B60W50/00 , B60W40/08
摘要： 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：US11494175B2
公开(公告)日：2022-11-08
申请号：US17075828
申请日：2020-10-21
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A Wazeer , Shawn C Bennett , Steven 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
IPC分类号： B60W50/02 , B60W40/09 , G06F8/65 , B60W50/04 , G06Q40/08 , B60W40/02 , G08G1/14 , G05D1/02 , B60W60/00 , G06Q30/02 , B60K35/00 , G08G1/09 , G08G1/0962 , B60W10/04 , B60W30/06 , B62D15/02 , G05D1/00 , A61B5/02 , A61B5/00 , G01C21/34 , G08B25/10 , B60W40/08 , B60W50/12 , B60W30/09 , B60W30/095 , B60W50/14 , G07C5/02 , G07C5/08 , B60W50/00
摘要： 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, a computer-implemented method for real-time determination of the status of autonomous operation features of an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, the operation of the autonomous or semi-autonomous vehicle may be monitored to obtain operating data from one or more autonomous operation features. An operating status of the autonomous features may be determined based upon the operating data. After which, a change in the operating status of the autonomous features may be identified, and a report containing information regarding the change in the operating status of the autonomous features may be generated. Insurance discounts may be provided to risk averse customers that maintain their autonomous vehicles, and associated accident avoidance functionality, in good working condition.
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公开(公告)号：US11014567B1
公开(公告)日：2021-05-25
申请号：US16266490
申请日：2019-02-04
发明人： 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
摘要： 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, with the customer's permission, a vehicle operator in an autonomous or semi-autonomous vehicle may be determined by a sensor disposed within the autonomous or semi-autonomous vehicle or a mobile computing device associated with the vehicle operator. A determination may be made as to whether the vehicle operator is authorized to operate the vehicle based upon the determined identity of the vehicle operator; and if the vehicle operator is not authorized, an alert may be generated and/or the vehicle may be caused to not operate. Alternatively, autonomous operation features may be automatically engaged to automatically drive the autonomous or semi-autonomous vehicle to a safe location when the operator is not authorized. Insurance discounts may be provided based upon the anti-theft functionality.
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公开(公告)号：US11173918B1
公开(公告)日：2021-11-16
申请号：US16266162
申请日：2019-02-04
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A Wazeer , Shawn C Bennett , Steven 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
摘要： 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, a computer-implemented method for operating an autonomous or semi-autonomous vehicle may be provided. With a vehicle owner's permission, a vehicle operator identity may be determined; and operating data regarding the autonomous or semi-autonomous vehicle may be received from one or more vehicle-mounted sensors. Based upon the received operating data, (i) autonomous operation risk levels associated with autonomous vehicle operation; and (ii) operator risk levels associated with autonomous vehicle operation by the vehicle operator may be determined. Based upon a comparison of the autonomous operation versus vehicle operator risk levels, the autonomous features may be engaged if it is safer for the vehicle to travel autonomously. Insurance discounts may be provided to risk averse vehicle owners having this safety functionality.
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公开(公告)号：US10943303B1
公开(公告)日：2021-03-09
申请号：US16170130
申请日：2018-10-25
发明人： 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
摘要： Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, with the insurance customer's permission, operation of an autonomous (or semi-autonomous vehicle) by a vehicle operator may be monitored. Based upon vehicle and/or other data analysis, an identity of the operator may be determined, and operating data regarding the autonomous or semi-autonomous vehicle while the operator at least partially controls the autonomous vehicle may be monitored. A vehicle operator profile that includes information regarding an operating style of the vehicle operator based upon the operating data may be determined. Risk levels associated with operation of the autonomous vehicle based upon the information regarding the vehicle operator's operating style may be determined. Insurance discounts may be provided to risk averse vehicle owners and/or operators, or those that utilize vehicle risk mitigation or prevention technology.
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公开(公告)号：US10824415B1
公开(公告)日：2020-11-03
申请号：US16406418
申请日：2019-05-08
发明人： 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
摘要： Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. In certain aspects, with the customer's permission, a computer-implemented method for updating an autonomous operation feature may be provided. An indication of a software update associated with the autonomous operation feature may be received, and several autonomous or semi-autonomous vehicles having the feature may be identified. The update may be installed within the several vehicles, such as via wireless communication. Also, a change in a risk level associated with the update to the autonomous operation feature may be determined, and an insurance discount may be determined or adjusted. As a result, an insurance discount may be provided to risk averse customers that affirmatively share their vehicle data with an insurance provider, and promptly and remotely receive new versions of software that operate autonomous vehicle safety features.
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