Patents by Inventor Christine Marie Brown
Christine Marie Brown 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: 11833413Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.Type: GrantFiled: October 24, 2022Date of Patent: December 5, 2023Assignee: United Services Automobile AssociationInventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
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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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Patent number: 11648461Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.Type: GrantFiled: June 24, 2021Date of Patent: May 16, 2023Assignee: United Services Automobile Association (“USAA”)Inventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
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Patent number: 11504606Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.Type: GrantFiled: April 1, 2021Date of Patent: November 22, 2022Assignee: United Services Automobile AssociationInventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
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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: 11338815Abstract: A system and process for using telematics data to determine a vehicle operator. Telematics data is captured from a telematics device which retrieves data from a vehicle associated with a plurality of vehicle operators. A driver electronic signature is determined from the captured telematics data and then compared to determined driver signatures stored in memory and associated with the vehicle from which the telematics data is captured. A vehicle operator is then determined from comparing the determined driver signature with driver signatures stored in memory.Type: GrantFiled: November 1, 2017Date of Patent: May 24, 2022Assignee: United Services Automobile AssociationInventors: Jodi Jean Healy, Robert Kenneth Dohner, Christine Marie Brown, James P. Hillman, Ramsey Devereaux, Bharat Prasad
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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: 11071905Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.Type: GrantFiled: November 18, 2019Date of Patent: July 27, 2021Assignee: United Services Automobile Association (“USAA”)Inventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
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Patent number: 10994193Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.Type: GrantFiled: October 4, 2019Date of Patent: May 4, 2021Assignee: United Services Automobile AssociationInventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
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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: 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: 10518168Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.Type: GrantFiled: March 13, 2018Date of Patent: December 31, 2019Assignee: United Services Automobile AssociationInventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
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Patent number: 10471342Abstract: A system, method and apparatus for capturing data from a plurality of users for providing online gameplay based on captured user sensor data. User sensor data is captured from a plurality of sensor capture devices relative to an associated user so as to be transmitted to a gameplay server. The gameplay server executes instructions to generate a user interface on a user's client computing device for providing gameplay on each user client portable computing device utilizing, and pertinent to, the captured sensor data.Type: GrantFiled: March 14, 2018Date of Patent: November 12, 2019Assignee: United Services Automobile AssociationInventors: Bharat Prasad, Christine Marie Brown, Rod Gonzales, Jodi Jean Healy
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Patent number: 10304141Abstract: A method or system may comprise generating a plurality of routes to a destination of a vehicle. Traversal, by the vehicle, of a route may be determined by a telematics device. The telematics vehicle may be configured to monitor a location of the vehicle and motion of the vehicle. The telematics device may be configured to generate data associated with the traversal of the route, the location of the vehicle, or the motion of the vehicle. Driving behavior of the vehicle may be determined, based at least on the data. A rating associated with the vehicle or the traversal of the route may be determined, based at least on the driving behavior. A risk score may be determined for the route. The rating may be determined, based at least on the risk score. The rating may be determined, based at least on the driving behavior.Type: GrantFiled: August 4, 2017Date of Patent: May 28, 2019Assignee: United Services Automobile Association (USAA)Inventors: Jodi Jean Healy, Keith Rodgers, Rod Gonzales, Robert Kenneth Dohner, Christine Marie Brown, Reynaldo Medina
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Patent number: 9727920Abstract: A system and method for providing routing based insurance using a telematics route tracking device to receive data relating to traversal of a user route. The received telematics data is processed to determine risk related to the route, related external factors, and user driving behavior. An insurance policy pricing module is utilized to generate insurance policy price data to modify pricing effects.Type: GrantFiled: July 8, 2013Date of Patent: August 8, 2017Assignee: United Services Automobile Association (USAA)Inventors: Jodi Jean Healy, Keith Rodgers, Rod Gonzales, Robert Kenneth Dohner, Christine Marie Brown, Reynaldo Medina, III