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: 10803532Abstract: 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: September 13, 2019Date of Patent: October 13, 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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Patent number: 10783584Abstract: Apparatuses and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may generate and maintain user profile information for determining a demographic classification of each user associated with an inventory. A demographic classification for a given user may be used along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory.Type: GrantFiled: September 10, 2012Date of Patent: September 22, 2020Assignee: Allstate Insurance CompanyInventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
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Patent number: 10699350Abstract: Systems and methods for the automatic exchange of insurance information in response to a collision event are provided. A wireless communication device may collect telematics data related to operation of a vehicle. The wireless communication device may detect the occurrence of a collision event involving the vehicle based on the telematics data collected. The wireless communication device may discover another wireless communication device locating in the vicinity of the collision event that has also detected a collision event. The wireless device may initiate an exchange of insurance information with that other wireless communication device. Other types of information may be exchanged between the wireless devices as well as between an insurance system in signal communication with the wireless devices in response to a collision event.Type: GrantFiled: June 8, 2018Date of Patent: June 30, 2020Assignee: Allstate Insurance CompanyInventors: Nicholas A. Suizzo, Alinawaz Ismaili, Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry
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Patent number: 10685400Abstract: 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: July 2, 2013Date of Patent: June 16, 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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Patent number: 10580075Abstract: 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: October 25, 2013Date of Patent: March 3, 2020Assignee: 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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Patent number: 10572944Abstract: 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: October 25, 2013Date of Patent: February 25, 2020Assignee: 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: 20200058076Abstract: Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may generate and maintain user profile information for determining a demographic classification of each user associated with an inventory. A demographic classification for a given user may be used along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory.Type: ApplicationFiled: October 24, 2019Publication date: February 20, 2020Inventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
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Patent number: 10504190Abstract: Methods and apparatus provide for an automated system for analyzing damage to insured property. A server may receive images of a scene (e.g., a room, house, apartment, etc.) from a user at a mobile device. The server may analyze the images to create a holistic view of the scene. The server and/or mobile device may be able to generate dimensions of the scene and compare those dimensions to the dimensions of a damaged property at the scene to determine the extent of damage to the property. The server may also be able to detect gaps between images as it creates the holistic view of the scene.Type: GrantFiled: July 20, 2018Date of Patent: December 10, 2019Assignee: 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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Patent number: 10467700Abstract: Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may generate and maintain user profile information for determining a demographic classification of each user associated with an inventory. A demographic classification for a given user may be used along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory.Type: GrantFiled: October 28, 2013Date of Patent: November 5, 2019Assignee: Allstate Insurance CompanyInventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
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Patent number: 10430886Abstract: 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: May 13, 2013Date of Patent: October 1, 2019Assignee: 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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Patent number: 10430885Abstract: 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: August 16, 2012Date of Patent: October 1, 2019Assignee: 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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Patent number: 10417713Abstract: Sensors installed at a vehicle may automatically detect that a disturbance event, such as a collision, has occurred at the vehicle. A disturbance response module installed at the vehicle may automatically determine whether the vehicle was running and whether the vehicle was moving when the disturbance event occurred. The disturbance response module may determine that the vehicle was parked in response to a determination that the vehicle was not running and not moving when the disturbance event occurred. A communication module installed at the vehicle may automatically transmit a notification message that indicates a disturbance event has occurred at the vehicle.Type: GrantFiled: April 16, 2015Date of Patent: September 17, 2019Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry
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Patent number: 10352712Abstract: Systems and methods may provide for generating and using information about fuel options along a predetermined route. An optimized fuel location server may use information related to the fuel efficiency in a given vehicle and information related to the amount of fuel currently present in a fuel tank associated with the vehicle to determine where along the predetermined route fuel will be required. The optimized fuel location server may also determine where the vehicle should stop for fuel to navigate the route in the lowest cost way possible. The optimized fuel location server may further consider user preferences, such as preferred fuel providers, in determining which fuel option should be used. Finally, the optimized fuel location server may be configured to send notifications (e.g., real-time, etc.) to a user device when the user device is within the vicinity of one or more fuel options.Type: GrantFiled: June 30, 2015Date of Patent: July 16, 2019Inventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
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Patent number: 10332208Abstract: 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: August 23, 2012Date of Patent: June 25, 2019Assignee: Allstate Insurance CompanyInventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
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Patent number: 10269074Abstract: 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: October 23, 2013Date of Patent: April 23, 2019Assignee: 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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Patent number: 10223750Abstract: Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may use a demographic classification for a given user along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory. Finally, the optimized inventory analysis server may recommend incentives on products/services sold by third party entities and may further recommend incentives on insurance products for insuring items purchased by a given user.Type: GrantFiled: September 20, 2013Date of Patent: March 5, 2019Assignee: Allstate Insurance CompanyInventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
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Patent number: 10121204Abstract: 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: June 24, 2014Date of Patent: November 6, 2018Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry
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Patent number: 10068296Abstract: Methods and apparatus provide for an automated system for analyzing damage to insured property. A server may receive images of a scene (e.g., a room, house, apartment, etc.) from a user at a mobile device. The server may analyze the images to create a holistic view of the scene. The server and/or mobile device may be able to generate dimensions of the scene and compare those dimensions to the dimensions of a damaged property at the scene to determine the extent of damage to the property. The server may also be able to detect gaps between images as it creates the holistic view of the scene.Type: GrantFiled: September 8, 2017Date of Patent: September 4, 2018Assignee: 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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Patent number: 10062120Abstract: Methods and apparatus provide for an automated system for analyzing damage to insured property. A server may receive images of a scene (e.g., a room, house, apartment, etc.) from a user at a mobile device. The server may analyze the images to create a holistic view of the scene. The server and/or mobile device may be able to generate dimensions of the scene and compare those dimensions to the dimensions of a damaged property at the scene to determine the extent of damage to the property. The server may also be able to detect gaps between images as it creates the holistic view of the scene.Type: GrantFiled: March 25, 2016Date of Patent: August 28, 2018Assignee: 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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Patent number: 10032226Abstract: Systems and methods for the automatic exchange of insurance information in response to a collision event are provided. A wireless communication device may collect telematics data related to operation of a vehicle. The wireless communication device may detect the occurrence of a collision event involving the vehicle based on the telematics data collected. The wireless communication device may discover another wireless communication device locating in the vicinity of the collision event that has also detected a collision event. The wireless device may initiate an exchange of insurance information with that other wireless communication device. Other types of information may be exchanged between the wireless devices as well as between an insurance system in signal communication with the wireless devices in response to a collision event.Type: GrantFiled: June 24, 2014Date of Patent: July 24, 2018Assignee: Allstate Insurance CompanyInventors: Nicholas A. Suizzo, Alinawaz Ismaili, Jennifer A. Brandmaier, James Gillespie, Stephen Hughes, Daniel Koza, William Loo, Francis Lowry