Patents by Inventor Daniel Koza
Daniel Koza 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: 11361385Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.Type: GrantFiled: January 21, 2020Date of Patent: June 14, 2022Assignee: ALLSTATE INSURANCE COMPANYInventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Philip Peter Ramirez, Kurt M. Stricker
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Publication number: 20220164894Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: ApplicationFiled: November 24, 2021Publication date: May 26, 2022Applicant: Allstate Insurance CompanyInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez
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Publication number: 20220148094Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: ApplicationFiled: November 12, 2021Publication date: May 12, 2022Applicant: Allstate Insurance CompanyInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez
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Publication number: 20220101442Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.Type: ApplicationFiled: June 12, 2020Publication date: March 31, 2022Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Publication number: 20220058743Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.Type: ApplicationFiled: May 5, 2014Publication date: February 24, 2022Applicant: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Publication number: 20220051342Abstract: Aspects of the disclosures provide for configuring and transferring multiple data files including image data files using a mobile computing device. A mobile computing device may acquire multiple data files including image files from disparate sources and transmit them to an enhanced image processing server. The enhanced image processing server may analyze the received image files using various techniques. To aid in analysis, the server may also interface with various internal and external databases storing reference images or other reference data of previously analyzed similar data. Further still, the enhanced image processing server may transmit a result of the analysis back to a mobile computing device. The mobile computing device itself may also analyze the image files.Type: ApplicationFiled: September 21, 2020Publication date: February 17, 2022Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Publication number: 20220036464Abstract: Systems and methods provide for configuring and transferring multiple data files including image data files using a mobile device. A mobile device may acquire multiple data files including image files from disparate sources and transmit them to an enhanced image processing server. The enhanced image processing server may analyze the received image files using various techniques. To aid in analysis, the server may also interface with various internal and external databases storing reference images or other reference data of previously analyzed similar data. Further still, the enhanced image processing server may transmit a result of the analysis back to a mobile device.Type: ApplicationFiled: December 9, 2016Publication date: February 3, 2022Inventors: Jennifer A. BRANDMAIER, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Publication number: 20220012810Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.Type: ApplicationFiled: January 21, 2020Publication date: January 13, 2022Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Philip Peter Ramirez, Kurt M. Stricker
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Patent number: 11216887Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: GrantFiled: June 12, 2014Date of Patent: January 4, 2022Assignee: ALLSTATE INSURANCE COMPANYInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez
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Patent number: 11195233Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: GrantFiled: January 23, 2015Date of Patent: December 7, 2021Assignee: Allstate Insurance CompanyInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez, Alinawaz Ismaili, Brennan Gee, Francis Lowry, Theresa A. Owens
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Patent number: 11158002Abstract: A communication module may receive communications from a vehicle. A collision detection module may determine that a collision has occurred at a vehicle based on one or more of the communications received from a vehicle. A participant identification module may identify one or more participants involved in the collision based on one or more communications received from the vehicle. A fault determination module may identify one of the participants as the at-fault participant based on a comparison of a fault determination ruleset to vehicle telematics data included in one or more of the communications received from the vehicle. A claims processing module may determine whether to file an insurance claim associated with one of the participants based on the estimated repair cost.Type: GrantFiled: August 22, 2018Date of Patent: October 26, 2021Assignee: ALLSTATE INSURANCE COMPANYInventors: Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry
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Patent number: 11080792Abstract: A total cost of ownership (TCO) of a vehicle may be calculated based on received information identifying a vehicle, and retrieved vehicle data corresponding to the vehicle, such as vehicle insurance records, maintenance records, and vehicle operation sensor data. Additional information may be received identifying one or more entities associated with the vehicle, for example, a potential buyer and a potential seller of the vehicle Data may be retrieved corresponding to the entities associated with the vehicle, and a TCO calculation for a vehicle may be based on the vehicle data and additional information retrieved corresponding to the entities associated with the vehicle.Type: GrantFiled: May 17, 2019Date of Patent: August 3, 2021Assignee: Allstate Insurance CompanyInventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
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Patent number: 11062397Abstract: Systems and methods provide for an automated system for analyzing damage to insured property. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a mobile device for analysis at the server in real time. Depending on network conditions, the mobile device may transfer images to the server in high definition or low definition. The server may send notifications to the mobile device to remind a user of the mobile device to capture and transfer images to the server. The server may analyze images to provide feedback to the insured user (e.g., insurance estimates).Type: GrantFiled: March 7, 2019Date of Patent: July 13, 2021Assignee: Allstate Insurance CompanyInventors: Jay A. Patel, Jennifer A. Brandmaier, Mark E. Faga, James Gillespie, Roger Horn, Stephen Hughes, Alinawaz Ismaili, Daniel Koza, William Loo, Francis Lowry
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Publication number: 20210209693Abstract: Systems, devices, and methods described herein are directed towards sharing and exchanging insurance information between individuals. An insurance application is provided to a mobile computing device, and the insurance application is configured to transmit insurance information to another mobile computing device. Transmission of insurance information from the mobile computing device to the other mobile computing device may be initiated using the insurance application. A message may be generated that indicates the insurance information was transmitted from the mobile computing device to the other mobile computing device. The message may be sent to an insurance system, and receipt of the message at the insurance system may cause the insurance system to respond to the transmission of insurance information from the mobile device to the other mobile device. The transmission of insurance information may be initiated in response to a bump gesture performed between the mobile device and the other mobile device.Type: ApplicationFiled: March 4, 2021Publication date: July 8, 2021Inventors: Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry
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Patent number: 10963966Abstract: Systems, devices, and methods described herein are directed towards sharing and exchanging insurance information between individuals. An insurance application is provided to a mobile computing device, and the insurance application is configured to transmit insurance information to another mobile computing device. Transmission of insurance information from the mobile computing device to the other mobile computing device may be initiated using the insurance application. A message may be generated that indicates the insurance information was transmitted from the mobile computing device to the other mobile computing device. The message may be sent to an insurance system, and receipt of the message at the insurance system may cause the insurance system to respond to the transmission of insurance information from the mobile device to the other mobile device. The transmission of insurance information may be initiated in response to a bump gesture performed between the mobile device and the other mobile device.Type: GrantFiled: September 27, 2013Date of Patent: March 30, 2021Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry
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Publication number: 20210056640Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.Type: ApplicationFiled: August 31, 2020Publication date: February 25, 2021Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Patent number: 10878507Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.Type: GrantFiled: March 27, 2015Date of Patent: December 29, 2020Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Publication number: 20200402178Abstract: Systems and methods provide for an automated system for analyzing damage to process claims and pre-claim consultations associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. In addition, the server may interface with third party entities such as repair shops and may generate a payment for compensating a claimant for repair of the insured item.Type: ApplicationFiled: September 27, 2019Publication date: December 24, 2020Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Patent number: 10839460Abstract: An application operating at a mobile computing device may request a set of recommended application tasks for recommendation. The request may identify a user associated with the application, and the user may be associated with a user group based on user profile attributes associated with the user. Application tasks available for selection at the application to may be selected for a set of recommended application tasks based on selection trend data associated with the user group. The set of recommended application tasks may be provided to the application, and the application may configure an application task list that includes the application tasks in the set of recommended application tasks.Type: GrantFiled: March 1, 2016Date of Patent: November 17, 2020Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry
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Patent number: 10810677Abstract: Systems and methods provide for configuring and transferring multiple data files including image data files using a mobile computing device. A mobile computing device may acquire multiple data files including image files from disparate sources and transmit them to an enhanced image processing server. The enhanced image processing server may analyze the received image files using various techniques. To aid in analysis, the server may also interface with various internal and external databases storing reference images or other reference data of previously analyzed similar data. Further still, the enhanced image processing server may transmit a result of the analysis back to a mobile computing device.Type: GrantFiled: December 27, 2017Date of Patent: October 20, 2020Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker