Patents by Inventor Gregory L. Hayward
Gregory L. Hayward has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11960287Abstract: Systems and methods for modifying operation of an autonomous vehicle in an emergency situation are disclosed. According to aspects, a computing device associated with the autonomous vehicle detects, based on sensor(s), an emergency event associated with the autonomous vehicle. In response to detecting the emergency event, the computing device determines location(s) of emergency vehicle(s) and determines an assistance location for the autonomous vehicle. The computing device determines which of the emergency vehicle(s) is a nearest emergency vehicle that is nearest to the assistance location, and transmits the assistance location to the nearest emergency vehicle. The computing device then causes the autonomous vehicle to travel to the assistance location.Type: GrantFiled: August 16, 2021Date of Patent: April 16, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory L. Hayward
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Publication number: 20240096215Abstract: Systems and methods for situational modification of autonomous vehicle operation are disclosed. According to aspects, a computing device may detect the occurrence of an emergency event and may determine a current operation of an autonomous vehicle that may be associated with the emergency event. The computing device may determine a modification to operation of the autonomous vehicle, where the modification may represent a violation of a roadway regulation that may enable effective handling of the emergency event. The computing device may generate a set of instructions for the autonomous vehicle to execute to cause the autonomous vehicle to undertake the operation modification.Type: ApplicationFiled: November 30, 2023Publication date: March 21, 2024Inventors: Scott T. Christensen, Gregory L. Hayward
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Patent number: 11837087Abstract: Systems and methods for situational modification of autonomous vehicle operation are disclosed. According to aspects, a computing device may detect the occurrence of an emergency event and may determine a current operation of an autonomous vehicle that may be associated with the emergency event. The computing device may determine a modification to operation of the autonomous vehicle, where the modification may represent a violation of a roadway regulation that may enable effective handling of the emergency event. The computing device may generate a set of instructions for the autonomous vehicle to execute to cause the autonomous vehicle to undertake the operation modification.Type: GrantFiled: April 26, 2022Date of Patent: December 5, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory L. Hayward
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Patent number: 11783422Abstract: Techniques for implementing machine learning to improve claim handling are disclosed. In some scenarios, the machine-learning, analytics model may be trained in accordance with data that is relevant to insurance products, such as life and health insurance. A set of labeled historical claims each corresponding to a settlement amount may be analyzed to train an artificial neural network. A claim may be received from a user mobile device, and may be analyzed using the trained artificial neural network to predict a claim settlement, which may be used to generate a settlement offer. The settlement offer may be transmitted to the user's mobile device, and if a manifestation of acceptance is received from the user, then the claim may be automatically paid.Type: GrantFiled: September 20, 2018Date of Patent: October 10, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Gregory L Hayward, Meghan Sims Goldfarb, Nicholas U. Christopulos, Erik Donahue
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Patent number: 11735039Abstract: A computer-implemented method of generating and broadcasting telematics and/or image data is provided. Telematics and/or image data may be collected, with customer permission, in real-time by a mobile device (or a Telematics App running thereon) traveling within an originating vehicle. The telematics data may include acceleration, braking, speed, heading, and location data associated with the originating vehicle. The mobile device may generate an updated telematics data broadcast including up-to-date telematics data at least every few seconds; and then broadcast the updated telematics data broadcast at least every few seconds via wireless communication to another computing device to facilitate alerting another vehicle or driver of an abnormal traffic condition or event that the originating vehicle is experiencing.Type: GrantFiled: December 4, 2019Date of Patent: August 22, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventor: Gregory L. Hayward
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Publication number: 20230260048Abstract: Techniques for implementing machine learning to improve claim handling are disclosed. In some scenarios, the machine-learning, analytics model may be trained in accordance with data that is relevant to insurance products, such as life and health insurance. A set of labeled historical claims each corresponding to a settlement amount may be analyzed to train an artificial neural network, A claim may be received from a user mobile device, and may be analyzed using the trained artificial neural network to predict a claim settlement, which may be used to generate a settlement offer. The settlement offer may be transmitted to the user's mobile device, and if a manifestation of acceptance is received from the user, then the claim may be automatically paid.Type: ApplicationFiled: April 25, 2023Publication date: August 17, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory L. Hayward, Meghan Sims Goldfarb, Nicholas U. Christopulos, Erik Donahue
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Publication number: 20230143195Abstract: A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.Type: ApplicationFiled: January 6, 2023Publication date: May 11, 2023Inventors: Leif Agerholm Roll, Craig Dean Isaacs, Eric Webster, Gregory L. Hayward
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Publication number: 20230124220Abstract: A computer-implemented method of generating and broadcasting telematics and/or image data is provided. Telematics and/or image data may be collected, with customer permission, in real-time by a mobile device (or a Telematics App running thereon) traveling within an originating vehicle. The telematics data may include acceleration, braking, speed, heading, and location data associated with the originating vehicle. The mobile device may generate an updated telematics data broadcast including up-to-date telematics data at least every few seconds; and then broadcast the updated telematics data broadcast at least every few seconds via wireless communication to another computing device to facilitate alerting another vehicle or driver of an abnormal traffic condition or event that the originating vehicle is experiencing.Type: ApplicationFiled: December 16, 2022Publication date: April 20, 2023Inventor: Gregory L. Hayward
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Publication number: 20230037543Abstract: Methods and systems autonomously parking and retrieving vehicles are disclosed. Available parking spaces or parking facilities may be identified, and the vehicle may be navigated to an available space from a drop-off location without passengers. Special-purpose sensors, GPS data, or wireless signal triangulation may be used to identify vehicles and available parking spots. Upon a user request or a prediction of upcoming user demand, the vehicle may be retrieved autonomously from a parking space. Other vehicles may be autonomously moved to facilitate parking or retrieval.Type: ApplicationFiled: October 16, 2022Publication date: February 9, 2023Applicant: State Farm Mutual Automobile Insurance CompanyInventors: Blake S. Konrardy, Gregory L. Hayward, Scott Farris, Scott T. Christensen
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Patent number: 11574368Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.Type: GrantFiled: June 4, 2020Date of Patent: February 7, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Leif Agerholm Roll, Craig Dean Isaacs, Eric Webster, Gregory L. Hayward
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Patent number: 11511736Abstract: Methods and systems autonomously parking and retrieving vehicles are disclosed. Available parking spaces or parking facilities may be identified, and the vehicle may be navigated to an available space from a drop-off location without passengers. Special-purpose sensors, GPS data, or wireless signal triangulation may be used to identify vehicles and available parking spots. Upon a user request or a prediction of upcoming user demand, the vehicle may be retrieved autonomously from a parking space. Other vehicles may be autonomously moved to facilitate parking or retrieval.Type: GrantFiled: October 29, 2019Date of Patent: November 29, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Blake S. Konrardy, Gregory L. Hayward, Scott Farris, Scott T. Christensen
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Patent number: 11440494Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicles and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Vehicle collision and/or smart home incident monitoring, damage detection, and responses are also described, with particular focus on the particular challenges associated with incident response for unoccupied vehicles and/or smart homes. Operating data associated with the autonomous vehicle and/or smart home may be received. Within the operating, an unusual condition indicative of a likelihood of incident may be detected. Based on the unusual condition, it may be determined that the incident occurred. Accordingly, a response to the incident may be determined. The response may be implemented by the autonomous vehicle and/or smart home.Type: GrantFiled: October 30, 2019Date of Patent: September 13, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Blake S. Konrardy, Gregory L. Hayward, Scott Farris, Scott T. Christensen
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Publication number: 20220284517Abstract: A method of determining damage to property includes inputting historical data into a machine learning model to identify an insured type, features, and/or characteristics. The method may include identifying a peril, repair and/or replacement cost of the vehicle by analyzing a digital image from a device of an insured, the digital image depicting damage to the vehicle, The method may include inputting the digital image into the trained machine learning model to identify a type, feature, and/or characteristic of the vehicle, and may include identifying a peril, repair, and/or replacement cost associated with the vehicle. A method may include receiving and/or retrieving free-form text associated with an insurance claim and/or a vehicle, identifying at least one key word composing the free-form text, and determining based on the at least one key word a cause of loss and/or peril that caused damage to the vehicle.Type: ApplicationFiled: May 24, 2022Publication date: September 8, 2022Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory L. Hayward, Meghan Sims Goldfarb, Nicholas U. Christopulos, Erik Donahue
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Publication number: 20220254254Abstract: Systems and methods for situational modification of autonomous vehicle operation are disclosed. According to aspects, a computing device may detect the occurrence of an emergency event and may determine a current operation of an autonomous vehicle that may be associated with the emergency event. The computing device may determine a modification to operation of the autonomous vehicle, where the modification may represent a violation of a roadway regulation that may enable effective handling of the emergency event. The computing device may generate a set of instructions for the autonomous vehicle to execute to cause the autonomous vehicle to undertake the operation modification.Type: ApplicationFiled: April 26, 2022Publication date: August 11, 2022Inventors: Scott Thomas Christensen, Gregory L. Hayward
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Patent number: 11373249Abstract: A method of determining damage to property includes inputting historical data into a machine learning model to identify an insured type, features, and/or characteristics. The method may include identifying a peril, repair and/or replacement cost of the vehicle by analyzing a digital image from a device of an insured, the digital image depicting damage to the vehicle. The method may include inputting the digital image into the trained machine learning model to identify a type, feature, and/or characteristic of the vehicle, and may include identifying a peril, repair, and/or replacement cost associated with the vehicle. A method may include receiving and/or retrieving free-form text associated with an insurance claim and/or a vehicle, identifying at least one key word composing the free-form text, and determining based on the at least one key word a cause of loss and/or peril that caused damage to the vehicle.Type: GrantFiled: September 20, 2018Date of Patent: June 28, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Gregory L Hayward, Meghan Sims Goldfarb, Nicholas U. Christopulos, Erik Donahue
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Patent number: 11341848Abstract: Systems and methods for situational modification of autonomous vehicle operation are disclosed. According to aspects, a computing device may detect the occurrence of an emergency event and may determine a current operation of an autonomous vehicle that may be associated with the emergency event. The computing device may determine a modification to operation of the autonomous vehicle, where the modification may represent a violation of a roadway regulation that may enable effective handling of the emergency event. The computing device may generate a set of instructions for the autonomous vehicle to execute to cause the autonomous vehicle to undertake the operation modification.Type: GrantFiled: February 27, 2020Date of Patent: May 24, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory L. Hayward
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Publication number: 20220005121Abstract: A system for detecting an emerging trend in insurance claims is provided. Each insurance claim may include a customer profile of a customer and claim data associated with the customer. The system is configured to (i) store a machine learning model; (ii) input a plurality of new insurance claims into the machine learning model; (iii) identify, by the machine learning model, the emerging trend in the new insurance claims; and (iv) generate a response corresponding to the emerging trend.Type: ApplicationFiled: March 5, 2019Publication date: January 6, 2022Inventor: Gregory L. Hayward
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Publication number: 20210398227Abstract: Machine learning techniques for determining a risk level of a target building or other type of real property include receiving data indicative of various historical characteristics of and/or associated with real property, and/or receiving data included in historical, electronic claims pertaining to buildings/real properties, and utilizing the received data to train a machine learning or other model that identifies or discovers risk factors associated with buildings/real properties. The machine learning or other model may be applied to characteristic data associated with the target building/real property to generate risk factors and/or risk indicators of the target building/real property. The techniques may include analyzing the generated risk factors and/or risk indicators to determine a risk level of the target building/real property. The risk factors, risk indicators, and/or risk level may be used for many purposes, such as pricing, quoting, underwriting, or re-underwriting of insurance policies.Type: ApplicationFiled: September 3, 2021Publication date: December 23, 2021Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory L. Hayward, Meghan Sims Goldfarb, Nicholas U. Christopulos, Erik Donahue
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Publication number: 20210390624Abstract: Machine learning techniques for determining a risk level of a target building or other type of real property include receiving data indicative of various historical characteristics of and/or associated with real property, and/or receiving data included in historical, electronic claims pertaining to buildings/real properties, and utilizing the received data to train a machine learning or other model that identifies or discovers risk factors associated with buildings/real properties. The machine learning or other model may be applied to characteristic data associated with the target building/real property to generate risk factors and/or risk indicators of the target building/real property. The techniques may include analyzing the generated risk factors and/or risk indicators to determine a risk level of the target building/real property. The risk factors, risk indicators, and/or risk level may be used for many purposes, such as pricing, quoting, underwriting, or re-underwriting of insurance policies.Type: ApplicationFiled: September 20, 2018Publication date: December 16, 2021Applicant: State Farm Mutual Automobile Insurance CompanyInventors: Gregory L. Hayward, Meghan Sims Goldfarb, Nicholas U. Christopulos, Erik Donahue
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Publication number: 20210373563Abstract: Systems and methods for modifying operation of an autonomous vehicle in an emergency situation are disclosed. According to aspects, a computing device associated with the autonomous vehicle detects, based on sensor(s), an emergency event associated with the autonomous vehicle. In response to detecting the emergency event, the computing device determines location(s) of emergency vehicle(s) and determines an assistance location for the autonomous vehicle. The computing device determines which of the emergency vehicle(s) is a nearest emergency vehicle that is nearest to the assistance location, and transmits the assistance location to the nearest emergency vehicle. The computing device then causes the autonomous vehicle to travel to the assistance location.Type: ApplicationFiled: August 16, 2021Publication date: December 2, 2021Inventors: Scott T. Christensen, Gregory L. Hayward