Patents by Inventor Michael Kyne
Michael Kyne 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: 11992001Abstract: A textured window film has a prismatic effect that allows a substantial amount of incoming light to pass through a window while refracting the light at random or semi-random angles in a manner that distorts viewed images. The result is a window film that is brighter and more vibrant while also providing visual privacy. The textured window film can therefore better simulate real textured and colored glass.Type: GrantFiled: May 13, 2019Date of Patent: May 28, 2024Assignee: ARTSCAPE INCORPORATEDInventors: Thomas Hicks, Michael Kyne
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Patent number: 11983774Abstract: A system may include a vehicle system configured to monitor one or more monitor variables related to a vehicle. The system may also include a processor that may receive a selection of the one or more monitor variables to monitor and receive data from the vehicle system. The data may be limited based on the selection of the one or more monitor variables. The processor may then determine a fixed rate premium for at least two years based on the data and display a visualization that may include the fixed rate premium on a display.Type: GrantFiled: June 8, 2020Date of Patent: May 14, 2024Assignee: United Services Automobile Association (USAA)Inventors: Stephen Young, Michael A. Merwarth, Jon-Michael Kowall, Michael Kyne, Carolyn Knopf
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Patent number: 11972462Abstract: A system includes a computing device comprising a memory storing instructions configured to cause a processor to receive: purchase data associated with products purchased by a user, online activity data performed by the user and other users and associated with information pertaining to the products, and vendor information comprising retail sales data, after-market sales data, and product availability associated with the products. The processor determines one or more values of the products based on the purchase data, the online activity data, and the vendor information and whether the purchased products correspond to specialty products based on the purchase data, the online activity data, and the values of the products. The processor may then send a notification to the user comprising an offer for insurance for the products in response to determining the products correspond to specialty products.Type: GrantFiled: April 15, 2022Date of Patent: April 30, 2024Assignee: United Services Automobile Association (USAA)Inventors: Galo M. Alava, Amanda Michelle Boyd, Ramsey Devereaux, Gregory Mark Lamontagne, Elizabeth J. Rubin, Brian Tougas, Courtney St. Martin, Michael Kyne
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Patent number: 11954737Abstract: A system may include a vehicle system configured to monitor one or more monitor variables related to a vehicle. The system may also include a processor that may receive a selection of the one or more monitor variables to monitor and receive data from the vehicle system. The data may be limited based on the selection of the one or more monitor variables. The processor may then determine a fixed rate premium for at least two years based on the data and display a visualization that may include the fixed rate premium on a display.Type: GrantFiled: June 8, 2020Date of Patent: April 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Stephen Young, Michael A. Merwarth, Jon-Michael Kowall, Michael Kyne, Carolyn Knopf
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Publication number: 20230335255Abstract: The present disclosure is related to a method for a monitor system containing a processor that may receive position data from one or more sensors associated with one or more electronic devices. The position data may represent the devices' various locations over time. The monitor system may determine whether the locations represented by the position data correspond to expected locations generated by a predictive model. After determining that the locations and expected locations do not correspond to one another, the monitor system may send an alert to a computing device.Type: ApplicationFiled: April 19, 2022Publication date: October 19, 2023Inventors: Galo M. Alava, Amanda Michelle Boyd, Ramsey Devereaux, Gregory Mark Lamontagne, Elizabeth J. Rubin, Brian Tougas, Courtney St. Martin, Michael Kyne
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Patent number: 11683347Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.Type: GrantFiled: March 31, 2022Date of Patent: June 20, 2023Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Vijay Jayapalan, Michael Kyne, Joel T. Camarano, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown
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Publication number: 20230118181Abstract: Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth.Type: ApplicationFiled: December 16, 2022Publication date: April 20, 2023Inventors: Theresa Marie Matowitz, Michael Kyne, Michael Hertz, Ramsey Devereaux, Amber K. Buehrie, Steven Robert Seigler
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Patent number: 11538240Abstract: Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth.Type: GrantFiled: March 29, 2021Date of Patent: December 27, 2022Assignee: United Services Automobile Association (USAA)Inventors: Theresa Marie Matowitz, Michael Kyne, Michael Hertz, Ramsey Devereaux, Amber K. Buehrle, Steven Robert Seigler
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Patent number: 11436683Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.Type: GrantFiled: July 16, 2020Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Michael Kyne, Joel T. Camarano, Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown, Rod Gonzales
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Patent number: 11368491Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.Type: GrantFiled: March 18, 2020Date of Patent: June 21, 2022Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Vijay Jayapalan, Michael Kyne, Joel T. Camarano, Charles Lee Oakes, III, Gunjan Vijayvergia, Christine Marie Brown
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Patent number: 11330018Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.Type: GrantFiled: August 19, 2020Date of Patent: May 10, 2022Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Vijay Jayapalan, Michael Kyne, Joel T. Camarano, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown
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Patent number: 11263699Abstract: Systems and methods can leverage images of remotely captured items to extract information, populate forms, authenticate users, and perform other actions.Type: GrantFiled: December 11, 2019Date of Patent: March 1, 2022Assignee: United Services Automobile Association (USAA)Inventors: Todd Patrick Walker, Christopher Maurice Norman, Michael Kyne
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Patent number: 10984479Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a communication interface and one or more processors coupled to the communication interface. The one or more processors receive, via the communication interface, sensor information relating to operating the vehicle. The one or more processors also receive, via the communication interface, contextual information based at least in part on the sensor information relating to operating the vehicle. The one or more processors further generate a risk factor relating to operating the vehicle based at least in part on the sensor information and the contextual information.Type: GrantFiled: October 18, 2016Date of Patent: April 20, 2021Assignee: United Services Automobile Association (USAA)Inventors: Michael Kyne, Joel T. Camarano, Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown, Rod Gonzales
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Patent number: 10726493Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.Type: GrantFiled: October 18, 2016Date of Patent: July 28, 2020Assignee: United Services Automobile Association (USAA)Inventors: Michael Kyne, Joel T. Camarano, Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown, Rod Gonzales
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Patent number: 10679297Abstract: A system may include a vehicle system configured to monitor one or more monitor variables related to a vehicle. The system may also include a processor that may receive a selection of the one or more monitor variables to monitor and receive data from the vehicle system. The data may be limited based on the selection of the one or more monitor variables. The processor may then determine a fixed rate premium for at least two years based on the data and display a visualization that may include the fixed rate premium on a display.Type: GrantFiled: June 6, 2017Date of Patent: June 9, 2020Assignee: United Services Automobile Association (USAA)Inventors: Stephen Young, Michael A. Merwarth, Jon-Michael Kowall, Michael Kyne, Carolyn Knopf
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Patent number: 10630723Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.Type: GrantFiled: December 2, 2016Date of Patent: April 21, 2020Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Vijay Jayapalan, Michael Kyne, Joel T. Camarano, Charles Lee Oakes, III, Gunjan Vijayvergia, Christine Marie Brown
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Patent number: 10526771Abstract: A flow monitoring system, which is configured to detect a leak in a water distribution system having appliances, includes a flow sensor. The flow sensor is configured to detect flow data of a flow of water within a conduit configured to fluidly couple to the appliances. The flow monitoring system also includes a processor. The processor is configured to receive the flow data from the flow sensor, determine whether a reference flow pattern (of a plurality of reference flow patterns) is present in the flow data (where the plurality of reference flow patterns correspond with expected water flow patterns to one or more appliance of the appliances), and initiate a shut-down mode configured to stop the flow of water in response to a determination that the reference flow pattern is not present in the flow data.Type: GrantFiled: June 16, 2017Date of Patent: January 7, 2020Assignee: HS Labs, Inc.Inventors: Ramsey Devereaux, Manfred Amann, Eric David Schroeder, Donna Moncrief Brown, Emily Margaret Gray, Jess W. Gingrich, Justin Dax Haslam, Sharon Kay Haverlah, Michael Kyne, Juspreet Kaur
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Patent number: 10515419Abstract: Systems and methods can leverage images of remotely captured items to extract information, populate forms, authenticate users, and perform other actions.Type: GrantFiled: February 16, 2017Date of Patent: December 24, 2019Assignee: United Services Automobile AssociationInventors: Todd Patrick Walker, Christopher Maurice Norman, Michael Kyne
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Patent number: 10165429Abstract: This disclosure relates to facilitating vehicle incident communications. In one use case, a mobile device may detect a vehicular accident and determine one or more contacts to notify about the vehicular accident. An occupant of the vehicle may be prompted, via a user interface of the mobile device, to confirm or cancel a proposed communication to the contact(s). Upon confirmation of the proposed confirmation, the communication to the contact(s) may be transmitted.Type: GrantFiled: February 17, 2016Date of Patent: December 25, 2018Assignee: United Services Automobile Association (USAA)Inventors: Stephen Young, Jon-Michael Kowall, Michael Kyne
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Patent number: 7968584Abstract: This invention relates to a range of 1-aryl-4-cyclopropylpyrazoles in which the cyclopropyl ring is substituted at the angular position, and pharmaceutically acceptable salts and solvates thereof, to compositions comprising such compounds, processes to their synthesis and their use as parasiticides.Type: GrantFiled: March 19, 2009Date of Patent: June 28, 2011Assignees: Pfizer Inc., Pfizer Products Inc.Inventors: Denis Billen, Jessica Boyle, Douglas James Critcher, David Morris Gethin, Kim Thomas Hall, Graham Michael Kyne