Patents by Inventor Mark E. Clauss
Mark E. Clauss 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: 11941675Abstract: A trusted data bank organizes and manages access to streams of personal data owned by users with their permission. The data bank accepts incoming streams of personal data from users (such as financial, utility account, medical, insurance, activity, hobby, life style, consumer preferences, commercial transactions, telematics or smart home data, etc.), and applies user-defined privacy directives. The data bank receives personal data stream criteria and offers for goods, services, discounts, or incentives from personal data consumers (end users). The data bank may compare available streams of personal data and associated privacy directives for potential matches with criteria specified by consumers of personal data, and display offers to qualifying owners of personal data streams. If the owner accepts the offer, the data bank facilitates supplying the personal data stream to the consumer of personal data, and retains the ability to discontinue access to the stream at the owner's request.Type: GrantFiled: October 23, 2020Date of Patent: March 26, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark E. Clauss, Todd Binion
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Publication number: 20240078571Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle. Based on the performance of the driver, the driver may qualify for a reward.Type: ApplicationFiled: October 31, 2023Publication date: March 7, 2024Inventors: Kerry Lynne Cote, Nicholas R. Baker, Mark E. Clauss, Todd Binion, Andrea Lee Rhoades, Steven J. Balbach, Brian Mark Fields, Kyle Pott
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Patent number: 11810139Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle. Based on the performance of the driver, the driver may qualify for a reward.Type: GrantFiled: March 10, 2022Date of Patent: November 7, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Kerry Cote, Nicholas R. Baker, Mark E. Clauss, Todd Binion, Andrea Lee Rhoades, Steven J. Balbach, Brian Mark Fields, Kyle Pott
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Publication number: 20230322184Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: ApplicationFiled: June 6, 2023Publication date: October 12, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11708050Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: GrantFiled: January 14, 2022Date of Patent: July 25, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230219521Abstract: A method of driver behavior that includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data in real-time. The method also includes analyzing the telematics data to determine whether a driving score for a driver, determining whether the driving score is greater than a threshold value, determining a discount based upon the driving score being higher than the threshold, and generating a communication based upon the discount. The method further includes transmitting the communication.Type: ApplicationFiled: March 20, 2023Publication date: July 13, 2023Inventors: Thomas Michael Potter, Douglas Albert Graff, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230202426Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.Type: ApplicationFiled: March 6, 2023Publication date: June 29, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230202427Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.Type: ApplicationFiled: March 7, 2023Publication date: June 29, 2023Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann, Douglas Albert Graff
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Publication number: 20230130493Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.Type: ApplicationFiled: December 22, 2022Publication date: April 27, 2023Applicant: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11634103Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.Type: GrantFiled: April 5, 2021Date of Patent: April 25, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann, Douglas Albert Graff
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Patent number: 11634102Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.Type: GrantFiled: October 22, 2020Date of Patent: April 25, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11565654Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.Type: GrantFiled: October 27, 2020Date of Patent: January 31, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20220198497Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle. Based on the performance of the driver, the driver may qualify for a reward.Type: ApplicationFiled: March 10, 2022Publication date: June 23, 2022Inventors: Kerry Cote, Nicholas R. Baker, Mark E. Clauss, Todd Binion, Andrea Lee Rhoades, Steven J. Balbach, Brian Mark Fields, Kyle Pott
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Publication number: 20220138861Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: ApplicationFiled: January 14, 2022Publication date: May 5, 2022Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11301890Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.Type: GrantFiled: September 30, 2020Date of Patent: April 12, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Kerry Cote, Nicholas R. Baker, Mark E. Clauss, Todd Binion, Andrea Lee Rhoades, Steve J. Balbach, Brian Mark Fields, Kyle Pott
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Publication number: 20220067765Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.Type: ApplicationFiled: September 30, 2020Publication date: March 3, 2022Inventors: Kerry Cote, Nicholas R. Baker, Mark E. Clauss, Todd Binion, Andrea Lee Rhoades, Steve J. Balbach, Brian Mark Fields, Kyle Pott
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Patent number: 11257163Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: GrantFiled: July 18, 2018Date of Patent: February 22, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11250283Abstract: An odometer verification method includes capturing an odometer image at a threshold date, calculating a first and a second mileage using OCR, determining whether the first and the second mileage match, and updating a user profile associated with the insurance policy. A non-transitory, tangible computer-readable medium stores machine readable instructions in a mobile computing device, that when executed by a processor, cause the processor to capture an odometer image at a threshold date, calculate a first and a second mileage using OCR, determine whether the first and the second mileage match, and update a user profile. A mobile computing device includes an image capture unit configured to capture an odometer image at a threshold date, perform a first and a second OCR, determine whether the first and the second mileage match, and update the insurance policy user profile of the vehicle.Type: GrantFiled: December 6, 2019Date of Patent: February 15, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark E. Clauss, David W. Thurber, Matthew Eric Riley, Sr., Richard J. Lovings, Steven Joseph Balbach, Nicholas R. Baker, J. Lynn Wilson
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Publication number: 20210407015Abstract: In systems and methods for facilitating fault determination, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may analyzed and, based upon the analysis of the accident data, fault (or lack thereof) of the driver, other drivers, road or weather conditions, construction, or other external factors or environment conditions for the vehicle accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident, and to adjust, generate or update one or more insurance-related items, including (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. As such, drivers not at a fault for an accident may realize insurance-cost savings and/or may not be unfairly penalized.Type: ApplicationFiled: September 10, 2021Publication date: December 30, 2021Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20210350472Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.Type: ApplicationFiled: October 1, 2019Publication date: November 11, 2021Applicant: State Farm Mutual Automobile Insurance CompanyInventors: Thomas M. Potter, Atlanta Bonnom, Jennifer L. Lawyer, Dustin Carter, Nathan W. Baumann, Craig B. Cope, Megan Baumann, Douglas A. Graff, Curtis L. Simpson, Mark E. Clauss