Patents by Inventor Christopher E. Gay
Christopher E. Gay 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: 11972491Abstract: Computer-implemented methods, servers, and tangible, non-transitory computer-readable media storing instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle may be may be described. The computer-implemented methods, servers, and instructions may include receiving a coverage type for the customer vehicle, causing usage data corresponding to the coverage type to be tracked, receiving the usage data, generating the new insurance policy quotes corresponding to the coverage type based upon at least the usage data, and causing the new insurance policy quotes to be displayed.Type: GrantFiled: March 23, 2022Date of Patent: April 30, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 11610270Abstract: A computer implemented method for providing insurance comprises receiving a plurality of vehicle data including a start point, an end point and a frequency value. The method further comprises analyzing the plurality of vehicle data to determine a driving route associated with the vehicle. The method also comprises determining, based on the frequency value, that the driving route is a common driving route and a risk level of the common driving route. The method further comprises processing one or more insurance options, including pricing and underwriting, based at least in part on the risk level of the common driving route.Type: GrantFiled: June 18, 2021Date of Patent: March 21, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Todd Binion, Steven Cielocha, Scott Thomas Christensen, Gregory Hayward, Christopher E. Gay
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Publication number: 20220374998Abstract: A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.Type: ApplicationFiled: August 2, 2022Publication date: November 24, 2022Inventors: Thomas A. McCall, William D. Bryant, John W.S. Riney, Christopher E. Gay
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Patent number: 11443385Abstract: A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.Type: GrantFiled: April 6, 2020Date of Patent: September 13, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas A. McCall, William D. Bryant, John W. S. Riney, Christopher E. Gay
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Publication number: 20220215479Abstract: Computer-implemented methods, servers, and tangible, non-transitory computer-readable media storing instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle may be may be described. The computer-implemented methods, servers, and instructions may include receiving a coverage type for the customer vehicle, causing usage data corresponding to the coverage type to be tracked, receiving the usage data, generating the new insurance policy quotes corresponding to the coverage type based upon at least the usage data, and causing the new insurance policy quotes to be displayed.Type: ApplicationFiled: March 23, 2022Publication date: July 7, 2022Inventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 11315189Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.Type: GrantFiled: April 30, 2018Date of Patent: April 26, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
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Publication number: 20210312565Abstract: A computer implemented method for providing insurance comprises receiving a plurality of vehicle data including a start point, an end point and a frequency value. The method further comprises analyzing the plurality of vehicle data to determine a driving route associated with the vehicle. The method also comprises determining, based on the frequency value, that the driving route is a common driving route and a risk level of the common driving route. The method further comprises processing one or more insurance options, including pricing and underwriting, based at least in part on the risk level of the common driving route.Type: ApplicationFiled: June 18, 2021Publication date: October 7, 2021Inventors: Todd Binion, Steven Cielocha, Scott Thomas Christensen, Gregory Hayward, Christopher E. Gay
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Patent number: 11068989Abstract: A computer implemented method for providing insurance comprises receiving a plurality of vehicle data including a start point, an end point and a frequency value. The method further comprises analyzing the plurality of vehicle data to determine a driving route associated with the vehicle. The method also comprises determining, based on the frequency value, that the driving route is a common driving route and a risk level of the common driving route. The method further comprises processing one or more insurance options, including pricing and underwriting, based at least in part on the risk level of the common driving route.Type: GrantFiled: March 10, 2014Date of Patent: July 20, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Todd Binion, Steven Cielocha, Scott Thomas Christensen, Gregory Hayward, Christopher E. Gay
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Patent number: 10719879Abstract: Methods and systems for offering and providing trip-based vehicle insurance are provided. Information is received regarding a vehicle operator and a vehicle, and trip-based insurance policies including quantities of vehicle use units are offered to the customer. Based on selected coverage types, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle use units and may facilitate a purchase transaction with the customer for the insurance policy. Once a policy is selected and purchased, the system and method monitor vehicle use to determine each use of a vehicle use unit. Each vehicle use unit generally corresponds to one vehicle trip, but additional vehicle trip limitations may be added that may result in additional charges when exceeded during the course of a vehicle trip.Type: GrantFiled: July 1, 2015Date of Patent: July 21, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Christopher E. Gay, Scott Thomas Christensen, Gregory Hayward, Steve Cielocha, Todd Binion
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Patent number: 10650464Abstract: A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.Type: GrantFiled: November 13, 2017Date of Patent: May 12, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas A. McCall, William D. Bryant, John W. S. Riney, Christopher E. Gay
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Patent number: 10387967Abstract: The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.Type: GrantFiled: November 28, 2017Date of Patent: August 20, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory L. Hayward, Scott T. Christensen, Christopher E. Gay, Steven C. Cielocha, Todd Binion
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Patent number: 10373264Abstract: A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.Type: GrantFiled: June 30, 2017Date of Patent: August 6, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 10176530Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.Type: GrantFiled: February 27, 2017Date of Patent: January 8, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory Hayward, Scott T. Christensen, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 10013719Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.Type: GrantFiled: July 9, 2015Date of Patent: July 3, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 9865020Abstract: The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.Type: GrantFiled: August 10, 2017Date of Patent: January 9, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory Hayward, Scott T. Christensen, Christopher E. Gay, Steven C. Cielocha, Todd Binion
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Patent number: 9818157Abstract: A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.Type: GrantFiled: February 3, 2009Date of Patent: November 14, 2017Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas A. McCall, William D. Bryant, John W. S. Riney, Christopher E. Gay
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Patent number: 9779458Abstract: The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.Type: GrantFiled: March 10, 2014Date of Patent: October 3, 2017Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory Hayward, Scott T. Christensen, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 9734537Abstract: A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.Type: GrantFiled: March 10, 2014Date of Patent: August 15, 2017Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 9646347Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.Type: GrantFiled: July 14, 2016Date of Patent: May 9, 2017Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory Hayward, Scott T. Christensen, Christopher E. Gay, Steven Cielocha, Todd Binion
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Patent number: 9418383Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.Type: GrantFiled: September 23, 2015Date of Patent: August 16, 2016Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Gregory Hayward, Scott T. Christensen, Christopher E. Gay, Steven Cielocha, Todd Binion