Patents Assigned to State Farm Mutual Automobile Insurance Company
  • Patent number: 11928738
    Abstract: Systems and methods relating to improving the experience of gig-economy workers are disclosed, with particular reference to gig-economy work involving vehicle use. During or after performance of gig-economy work, data automatically collected may be used to generate and present recommendations or education points to gig-economy workers. Such recommendations may include targeted alerts to notify gig-economy workers of high-demand situations or to coordinate between gig-economy workers and gig-economy customers. Alerts may be generated based upon current excess demand for gig-economy services, as well as gig-economy worker availability and preferences. For example, alerts may be generated in response to detecting emergency conditions in an area in order to mobilize a large number of gig-economy transportation service providers.
    Type: Grant
    Filed: February 8, 2021
    Date of Patent: March 12, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Hannah Estes, Audrey Schwartz, Michael DiBenedetto, James P. Rodriguez, Anna Zarkoob, Ben Tucker, Dar Beachy, Elijah Abella, Diana Sherwood, Emily Bryant, Kristin Sellers, Brian M. Fields, Hanpei Zhang
  • Patent number: 11928737
    Abstract: Example methods, apparatus, and articles of manufacture to process insurance claims using artificial intelligence are disclosed herein. An example computer-implemented method, executed by a processor, to process an insurance claim using artificial intelligence includes interacting, with the processor, electronically with at least one of an insured person, a representative of the insured person, or a representative of an insured entity to obtain information related to an insurance claim, processing, with the processor, the information with a machine learning engine to identify an action to be taken for the insurance, and performing, with the processor, the action using a backend processing module that is also used by a person to process an insurance claim.
    Type: Grant
    Filed: May 23, 2019
    Date of Patent: March 12, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Mercy Behrens, Jason Beckman, Donald Joseph Yuhas
  • Patent number: 11928742
    Abstract: A system for collecting vehicle crash data at a vehicle crash site of a vehicle crash is provided. The system may include an emergency response unit that includes an emergency response vehicle and an unmanned aerial vehicle (UAV) that is automatically deployed from the emergency response vehicle at the vehicle crash site. The UAV may be an autonomous or semi-autonomous drone, and include a processor, memory, and sensor, wherein the sensor collects vehicle crash data (such as image, video, or audio) at the crash site. The system may include a remote computing device and an insurance computing device to process the vehicle crash data collected by the UAV and/or initiate a crash insurance claim. The vehicle crash data may be used for one or more insurance-related purposes or activities, such as handling, adjusting, or generating auto or homeowners insurance claims; crash reconstruction; fault determination; damaged vehicle repair; and/or buildup identification.
    Type: Grant
    Filed: August 19, 2022
    Date of Patent: March 12, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Rosemarie G. Grant, Christina P. Mullen
  • Patent number: 11922150
    Abstract: A software project management system can store object data about components of a software development project, such epics, features, and stories. The software project management system can also store dependency objects that reflect dependency relationships between two or more components of the software development project. The dependency objects can track status information about the dependency relationships, including expected completion dates, acceptance criteria, and state indicators. The information stored in the dependency objects can be updated over time as information about the dependency relationship changes. The software project management system can also use the dependency objects to display information in a user interface about one or more dependency relationships, such as to indicate which dependency relationships are on track or behind schedule.
    Type: Grant
    Filed: June 29, 2022
    Date of Patent: March 5, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Nate Shepherd
  • Patent number: 11922526
    Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.
    Type: Grant
    Filed: August 26, 2022
    Date of Patent: March 5, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ryan Maurer, Nolan White, Kyle D. Weber, Edward Austin, William Guthrie, Dustin Helland, Bharat Prasad, Sharon Kay Haverlah, Karen Marie Shackelford-George
  • Patent number: 11922524
    Abstract: A damage assessment (DA) computing device for determining building damage may be provided. The DA computing device may train a machine learning damage model using historical damage data, identify a plurality of buildings that are susceptible to potential damage from an upcoming weather event, the plurality of buildings including the building, input data associated with a roof of the building to the trained damage model, receive a model output from the trained damage model, the model output including a damage status of the roof representing the predicted extent of damage to the roof, when the predicted extent of damage to the roof exceeds a threshold, automatically generate a claim initiation message including a link that, upon selection thereof, causes initiation an insurance claim for the roof based upon the model output and the parameters associated with the building, and/or transmit the claim initiation message to a user.
    Type: Grant
    Filed: May 24, 2022
    Date of Patent: March 5, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Lynn Splittstoesser
  • Patent number: 11922734
    Abstract: An incident management system for managing an incident response may be provided. The incident management system may include an incident management (IM) computing device and a vehicle. The IM computing device may include a processor and memory, the processor may be programmed to receive a notification that an incident has occurred, the notification including sensor data and sub-system data. The processor may analyze the data to determine an incident response, the determination including categorizing the incident based on damage determined from the data. The processor may also identify a responding party based on the incident response and the category of the incident. The processor may further parse the data to generate a set of critical data. The critical data may be based on the responding party. The processor may transmit a message to the responding party including the critical data and the location of the vehicle.
    Type: Grant
    Filed: April 16, 2020
    Date of Patent: March 5, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Jennifer Criswell Kellett, An Ho, Jerome Scott Trayer, Jacob Thomas Simonson, Jeremy Myers, Kip Wilson
  • Patent number: 11922514
    Abstract: A property analyzer device may include (1) a receiver configured to receive property identification information from a mobile device, the received property identification information including a picture of the property and/or a property location; (2) a retriever configured to retrieve property-related information from multiple property sources (such as public record databases, websites, or an internal company database) based upon the received property identification information; (3) a processor configured to consolidate the retrieved property-related information into a consolidated property-related image of the property; and (4) a transmitter configured to transmit the consolidated property-related image to the mobile device for review by a user.
    Type: Grant
    Filed: March 20, 2023
    Date of Patent: March 5, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Amy Engelhorn, Timothy Joel Davis, Joanna Salata, Dijon Schroff, Justin Devore, Sarah Kirby
  • Patent number: 11924217
    Abstract: A system for data security includes a processor and a computer-readable storage medium having instructions stored thereon that cause the processor to perform operations including: (i) logging data access events initiated by a user; (ii) generating a user profile of the user, the user profile including a size and a type of data accessed by each data access event; (iii) receiving a new data access event initiated by the user including a size and a type of data requested by the new data access event; (iv) comparing the size and the type of the requested data of the new data access event to the user profile; (v) determining that the new data access event initiated by the user does not correspond to the data included in the user profile; (vi) restricting the requested data associated with the new data access event; and (vii) transmitting the restricted data to the user.
    Type: Grant
    Filed: February 16, 2023
    Date of Patent: March 5, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Vaidya Balasubramanian Pillai, Gregory Debo
  • Patent number: 11923087
    Abstract: Provided herein is an engagement and care support platform (“ECSP”) computer system including at least one processor in communication with at least one memory device for facilitating senior user engagement. The processor is programmed to: (i) register a user through an application, (ii) register a caregiver associated with the user through the application, (iii) generate a senior profile based upon user personal and scheduling data, (iv) build a daily interactive user interface that reflects the senior profile, (v) display the daily interactive user interface at a first client device associated with the user, (vi) cause the first client device to initiate a daily interaction prompt to the user, (vii) determine whether any user interaction was received in response to the daily interaction prompt, and (viii) transmit a daily update message to a second client device associated with the caregiver, including an indication of whether any user interaction was received.
    Type: Grant
    Filed: July 1, 2022
    Date of Patent: March 5, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Stephen Dunstan, Kami LaVallier, Edward P. Matesevac, Mary Kay Mueller, Vallory Clardy, Matthew Morrison, Nirav Patel, Francesco Radicati, Beth Ann Snell, Cara Lawlor Quigley, Caroline Mead, Kelsey Schachter, Brea Dutt, Lindsay Meyer, Leny Santana, Marta Coleman, Christine Pizzo
  • Patent number: 11922511
    Abstract: A method for identifying a primary vehicle associated with a user of a mobile device includes receiving an indication of a vehicle entry event from a mobile device and retrieving sensor data from the mobile device. The method further includes receiving an indication of a vehicle exit event from the mobile device, generating a trip log including portions of the sensor data, and storing the trip log in a trip database. A server, or other suitable computing device, then analyzes the trip log and a plurality of previously stored trip logs in the trip database to determine a primary vehicle corresponding to the user of the mobile device. The method may allow a computing device to assign gathered mobile device data to a specific household vehicle.
    Type: Grant
    Filed: October 18, 2021
    Date of Patent: March 5, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Nicholas U. Christopulos, Nicholas R. Baker, Eric Bellas, Benjamin F. Bowne
  • Patent number: 11922618
    Abstract: Methods and system for guiding user data capture during a scan of a vehicle using a mobile device are disclosed. A user may scan a vehicle using a camera or other sensors of the mobile device to capture data from which a three-dimensional virtual model may be generated. During the scanning process, models may be generated and evaluated according to quality metrics. Visual cues may be determined and presented to the user during scanning to indicate areas sufficiently scanned or areas requiring additional scanning to meet data quality requirements for model generation. Damage to vehicle components may be identified by analysis of the generated model, and addition data capture or user annotation entry may be directed based upon the identified damage.
    Type: Grant
    Filed: April 25, 2022
    Date of Patent: March 5, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Bryan R. Nussbaum, Rebecca A. Little, Kevin L Mitchell, Nathan C. Summers, An Ho
  • Patent number: 11922705
    Abstract: Apparatuses, systems and methods are provided for generating and transmitting data representative of a vehicle operation mode. More particularly, apparatuses, systems and methods are provided for generating data representative of a vehicle operation mode based on vehicle interior image data.
    Type: Grant
    Filed: December 17, 2021
    Date of Patent: March 5, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kenneth J. Sanchez, Aaron Scott Chan
  • Patent number: 11922686
    Abstract: A computer-implemented method for allowing a user to visualize exposure data to facilitate catastrophe analysis includes receiving a wind speed probabilities data set; selecting a count of policies; generating an exposure map layer; and transmitting the map layer to a client device. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to: receive one or more map layers; display a set of filter criteria; receive an input of a user; and update the map graphical user interface.
    Type: Grant
    Filed: December 28, 2022
    Date of Patent: March 5, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Emily Suits, David J. Podwojski, Veronica Ann McNear
  • Patent number: 11923086
    Abstract: Provided herein is a digital care circle platform for electronic communication between a senior and virtual care circle members. The digital care circle platform may include a chatbot and an application associated with the senior, a mobile application associated with the plurality of virtual care circle members, at least one processor in communication with at least one memory device, and one or more servers, sensors, wearables, and transceivers. The at least one processor may be configured to: (i) accept event posts from the senior via the chatbot and application and from each virtual care circle member of the plurality of virtual care circle members via the mobile application, (ii) detect pro-active check-ins from the senior, and (iii) generate, once a pro-active check-in is detected, an electronic communication detailing the pro-active check-in as a pro-active check-in event, and transmit the pro-active check-in event to the virtual care circle members.
    Type: Grant
    Filed: June 20, 2022
    Date of Patent: March 5, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Stephen Dunstan, Kami LaVallier, Edward P. Matesevac, Mary Kay Mueller, Vallory Clardy, Matthew Morrison, Nirav Patel, Francesco Radicati, Beth Ann Snell, Cara Lawlor Quigley, Caroline Mead, Kelsey Schachter, Brea Dutt, Lindsay Meyer, Leny Santana, Marta Coleman, Christine Pizzo
  • Patent number: 11914728
    Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.
    Type: Grant
    Filed: October 26, 2022
    Date of Patent: February 27, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Melinda Teresa Magerkurth, Eric Bellas, Jaime Skaggs, Shawn M. Call, Eric R. Moore, Vicki King, Burton J. Floyd, David Turrentine, Steven T. Olson, Timothy Caleb Wells, Corin Rebekah Chapman, Edward W. Breitweiser, Robert Gomez, Shelia Cummings Smith
  • Patent number: 11915319
    Abstract: During a communication session with a caller, a representative can enter information into a claim loss reporting tool to generate a loss report associated with an insurance claim. A dialogue advisor can cause the claim loss reporting tool to suggest questions that the representative should ask, and/or actions the representative should take, during the communication session. The dialogue advisor can make such suggestions, during the communication session, based at least in part on confidence levels of simulated destination predictions that correspond with destination predictions a claim router would make according to the same information associated with the loss report.
    Type: Grant
    Filed: April 27, 2021
    Date of Patent: February 27, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Garren King, Justin Devore, Andrew Mathes
  • Patent number: 11915322
    Abstract: A computer system for enhanced personal property replacement may be provided. The computer system may include at least one processor in communication with at least one memory device. The at least one processor may programmed to receive a plurality of user preferences transmitted from a user computer device associated with a user, receive a request from the user to cover a claim, determine a first plurality of items for the user based upon the claim and the plurality of user preferences, and/or transmit, to a retailer computer device associated with a retailer, an order for the determined first plurality of items with the retailer to be delivered to the user at an address associated with the user.
    Type: Grant
    Filed: February 28, 2023
    Date of Patent: February 27, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Greg Maurer, Timothy Joel Davis, Amy Engelhorn
  • Patent number: 11916896
    Abstract: Systems and methods are described for performing blockchain validation of user identity and authority. In various aspects, the blockchain-based validation system includes: a server communicatively coupled to a blockchain-based network; and program instructions stored in a program memory that, when executed by the server, cause the server to: receive a blockchain ID associated with a user, wherein the blockchain ID is associated with a blockchain; aggregate a plurality of blockchain transactions, the plurality of blockchain transactions including at least a blockchain transaction associated with the blockchain; establish, based on the plurality of blockchain transactions, a trust relationship between the user and a second entity; and generate a trust profile for the user and the second entity based on the trust relationship, wherein the trust profile includes a level of trust between the user and the second entity based on the plurality of blockchain transactions.
    Type: Grant
    Filed: February 17, 2022
    Date of Patent: February 27, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian Mark Fields, Lee Marvin John Assam
  • Patent number: 11915306
    Abstract: Embodiments described herein, inter alia, receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by a potential renter during the period of time; identify, upon analyzing the telematics data, driving behavior(s) of the renter during the period of time; determine, for each driving behavior, a corresponding state of an environment of the vehicle when the driving behavior occurred; determine renter eligibility value(s) for the renter based on the driving behavior(s) and the corresponding state of an environment of the vehicle; compare the renter eligibility value(s) to user preference value(s) of a profile of a vehicle owner, wherein the user preference value(s) define one or more criteria for vehicle renters with whom the vehicle can be shared; and cause an indication of the vehicle associated with the profile to be displayed only if the renter satisfies the criteria.
    Type: Grant
    Filed: February 4, 2019
    Date of Patent: February 27, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Brian N. Harvey, Joseph Robert Brannan, J. Lynn Wilson, Matthew Eric Riley, Sr., Ryan Gross