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1.发明授权公开(公告)号：US12100053B2
公开(公告)日：2024-09-24
申请号：US18066804
申请日：2022-12-15
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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2.发明公开公开(公告)号：US20240265467A1
公开(公告)日：2024-08-08
申请号：US18640685
申请日：2024-04-19
IPC分类号： G06Q40/08 , G06Q30/0201 , G06Q30/0204 , H04W4/38
CPC分类号： G06Q40/08 , G06Q30/0205 , G06Q30/0206 , H04W4/38
摘要： A computer system for providing group insurance plans may be provided. The computer system may include a processor in communication with a memory device, and the processor may be configured to: (i) receive registration data associated with a group of users including a list of users included in the group and user data from each user; (ii) generate a plurality of predesignated insurance personal mobility policy plans or usage-based insurance plans for the group including a predesignated coverage amount and a corresponding premium amount over a predesignated time period; (iii) prompt a user of the group to select a predesignated policy; (iv) store the selected predesignated policy along with the group registration data; (v) receive mobility data after each trip of each user of the group; (vi) adjust the selected coverage amount based upon the mobility data; and/or (vii) determine a current coverage amount based upon the adjusted coverage amount.
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公开(公告)号：US12014401B2
公开(公告)日：2024-06-18
申请号：US18161699
申请日：2023-01-30
IPC分类号： G06Q30/02 , G01C21/34 , G01C21/36 , G06N5/04 , G06N20/00 , G06Q30/0208 , G06Q30/0279 , H04W4/02 , H04W4/029
CPC分类号： G06Q30/0279 , G01C21/3446 , G01C21/3484 , G01C21/3492 , G01C21/3688 , G06N5/04 , G06N20/00 , G06Q30/0208 , H04W4/027 , H04W4/029
摘要： A user analytics computing device for processing mobile device telematics data includes a processor in communication with a memory device. The processor is programmed to: (i) store a model to predict a travel mode for a user based upon historical telematics data, (ii) form a first group by assigning a user to the first group, (iii) receive telematics data associated with movement of the user, (iv) input the telematics data into the model to determine a travel mode of the user, (v) parse subsets of the telematics data based upon the determined travel modes, (vi) retrieve an eligibility condition defining eligibility to qualify for a user offering, (vii) aggregate one subset of the telematics data associated with the first travel mode of the user, (viii) determine that the group telematics data satisfies the eligibility condition, and (ix) cause a notification to be displayed on the mobile device of the user.
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公开(公告)号：US20240062306A1
公开(公告)日：2024-02-22
申请号：US17962816
申请日：2022-10-10
发明人： Ryan Michael Gross , M Eric Riley, SR. , Jody Ann Thoele , Jordan Jeffers , Shawn Renee Harbaugh , Rick Lovings , Joann C. Yant , Jenny L. Jacobs , Erik Skyten
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： Systems and methods are described for performing analysis of parametric events. The method may include: (1) receiving weather data from a weather oracle network; (2) calculating, using a first trained machine learning algorithm, a likelihood of a trigger activation for a parametric event (or a trigger event) for a user based at least upon the weather data; (3) calculating, using a second trained machine learning algorithm, an estimated loss for the user based at least upon the likelihood of the trigger activation; (4) determining an initial coverage for the user; and (5) determining whether to offer the user updated coverage for the parametric event based at least upon a comparison of the initial coverage and the estimated loss for the user.
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5.发明申请公开(公告)号：US20220364866A1
公开(公告)日：2022-11-17
申请号：US17878698
申请日：2022-08-01
摘要： A vehicle routing system includes a vehicle routing and analytics (VRA) computing device, one or more databases, and one or more vehicles communicatively coupled to the VRA computing device. The VRA computing device is configured to generate an optimal route for a vehicle to travel that maximizes potential revenue for operation of the vehicle, the optimal route including a schedule of a plurality of tasks, and generate analytics associated with operation of the vehicle. The VRA computing device is further configured to provide a management hub software application accessible by vehicle users associated with vehicles, tasks sources, and other users.
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6.发明授权公开(公告)号：US11328363B1
公开(公告)日：2022-05-10
申请号：US16413245
申请日：2019-05-15
摘要： A property sharing insurance management (“PSIM”) computing device for analyzing data from a property sharing platform to adjust insurance premiums for an offerer of a property may be provided. The PSIM computing device may include at least one processor programmed to (i) receive, from a data source, a plurality of property data, (ii) store the property data in a plurality of data records in a database, wherein each data record is associated with one property and stores the plurality of property data for that property, (iii) analyze the property data for the property, (iv) determine a percentage of time that the property is used for commercial purposes in an insurance billing cycle, and (v) process one or more adjusted insurance premiums for the offerer based upon the determined percentage of time that the property is used for commercial purposes in the insurance billing cycle.
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公开(公告)号：US20240281854A1
公开(公告)日：2024-08-22
申请号：US18653494
申请日：2024-05-02
IPC分类号： G06Q30/0279 , G01C21/34 , G01C21/36 , G06N5/04 , G06N20/00 , G06Q30/0208 , H04W4/02 , H04W4/029
CPC分类号： G06Q30/0279 , G01C21/3446 , G01C21/3484 , G01C21/3492 , G01C21/3688 , G06N5/04 , G06N20/00 , G06Q30/0208 , H04W4/027 , H04W4/029
摘要： A user analytics computing device for processing mobile device telematics data includes a processor in communication with a memory device. The processor is programmed to: (i) store a model to predict a travel mode for a user based upon historical telematics data, (ii) form a first group by assigning a user to the first group, (iii) receive telematics data associated with movement of the user, (iv) input the telematics data into the model to determine a travel mode of the user, (v) parse subsets of the telematics data based upon the determined travel modes, (vi) retrieve an eligibility condition defining eligibility to qualify for a user offering, (vii) aggregate one subset of the telematics data associated with the first travel mode of the user, (viii) determine that the group telematics data satisfies the eligibility condition, and (ix) cause a notification to be displayed on the mobile device of the user.
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公开(公告)号：US20240060789A1
公开(公告)日：2024-02-22
申请号：US18497673
申请日：2023-10-30
CPC分类号： G01C21/3484 , G01C21/3446 , G06N20/00 , G06N5/04 , G01C21/3688 , G01C21/3492
摘要： A user analytics computing device for processing vehicle-based telematics data and generating user offerings responsive to the vehicle-based telematics data includes at least one processor in communication with a memory device. The processor is programmed to: (i) receive, from a vehicle computing device, telematics data associated with a plurality of trips taken by a first driver using a first vehicle, (ii) generate a driver profile of the first driver based at least in part upon the telematics data, (iii) access, from the memory device, contextual data associated with an environment in which the first vehicle travelled during the plurality of trips, (iv) synthesize the driver profile and the contextual data to generate a contextualized driver profile, (v) based upon the contextualized driver profile, generate a user offering to influence the driver profile, and (vi) transmit the user offering to a user computing device associated with the first driver.
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公开(公告)号：US20240029170A1
公开(公告)日：2024-01-25
申请号：US18373553
申请日：2023-09-27
发明人： Joseph Robert Brannan , Brian N. Harvey , Ryan Michael Gross , J. Lynn Wilson , Matthew Eric Riley, JR.
IPC分类号： G06Q40/08 , G06Q30/0645 , G06Q50/00 , G06F16/9535 , G06F16/9035
CPC分类号： G06Q40/08 , G06Q30/0645 , G06Q50/01 , G06F16/9535 , G06F16/9035
摘要： A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.
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公开(公告)号：US20230419262A1
公开(公告)日：2023-12-28
申请号：US18467420
申请日：2023-09-14
IPC分类号： G06Q10/10 , G06F16/29 , G06Q30/0204 , G06Q10/047 , G01C21/34 , G06F16/245 , G06Q40/08 , G06Q50/14
CPC分类号： G06Q10/10 , G06F16/29 , G06Q30/0205 , G06Q10/047 , G01C21/3484 , G06F16/245 , G06Q40/08 , G06Q50/14 , G06N20/00
摘要： An adaptive mapping (AM) computing device having at least one processor in communication with at least one memory device is provided. The AM computing device may be configured to retrieve a plurality of tasks associated with a user, and retrieve geographic mapping data. The AM computing device may also generate a route model based upon the retrieved plurality of tasks and the retrieved geographic mapping data. The AM computing device may execute the route model to determine an optimal route, and transmit, to the user, an optimized travel plan based upon the optimal route.
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