Patents by Inventor David W. Thurber
David W. Thurber 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).
-
Publication number: 20230334581Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.Type: ApplicationFiled: June 7, 2023Publication date: October 19, 2023Inventor: David W. Thurber
-
Patent number: 11748816Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.Type: GrantFiled: May 5, 2020Date of Patent: September 5, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: David W. Thurber
-
Patent number: 11250283Abstract: An odometer verification method includes capturing an odometer image at a threshold date, calculating a first and a second mileage using OCR, determining whether the first and the second mileage match, and updating a user profile associated with the insurance policy. A non-transitory, tangible computer-readable medium stores machine readable instructions in a mobile computing device, that when executed by a processor, cause the processor to capture an odometer image at a threshold date, calculate a first and a second mileage using OCR, determine whether the first and the second mileage match, and update a user profile. A mobile computing device includes an image capture unit configured to capture an odometer image at a threshold date, perform a first and a second OCR, determine whether the first and the second mileage match, and update the insurance policy user profile of the vehicle.Type: GrantFiled: December 6, 2019Date of Patent: February 15, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark E. Clauss, David W. Thurber, Matthew Eric Riley, Sr., Richard J. Lovings, Steven Joseph Balbach, Nicholas R. Baker, J. Lynn Wilson
-
Patent number: 11170446Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.Type: GrantFiled: August 28, 2015Date of Patent: November 9, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: David W. Thurber
-
Patent number: 11049183Abstract: The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a wireless transceiver device may be attached to a personal item of an insured individual. The wireless transceiver device may automatically trigger a mobile computing device to begin storing data related to use of the personal item when the mobile telephone is proximate the wireless transceiver device. The mobile telephone may periodically transmit the stored data to a remote server.Type: GrantFiled: January 27, 2017Date of Patent: June 29, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark E. Clauss, Richard J. Lovings, David W. Thurber
-
Patent number: 10949925Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.Type: GrantFiled: June 14, 2017Date of Patent: March 16, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Benjamin F. Bowne, Jufeng “James” Peng, Nicholas R. Baker, Duane Lee Marzinik, Matthew Eric Riley, Nick U. Christopulos, Brian Mark Fields, J Lynn Wilson, Bryan T. Wilkerson, David W. Thurber
-
Patent number: 10600126Abstract: Client side and server side methods for combining data originating from an On Board Diagnostics (OBD) cap with data originating from a client computing device are presented. The method includes receiving, from a client computing device via a computer network, a plurality of OBD cap data originating from an OBD cap and receiving, from the client computing device via the computer network, a plurality of client computing device data originating from the client computing device. The method also includes selecting, at a processor, a first data parameter from the plurality of OBD cap data and selecting, at the processor, a second data parameter from the plurality of client computing device data. The method further includes analyzing, at the processor, the first data parameter and the second data parameter and flagging, at the processor, an insurance account associated with the OBD device as a result of the analysis.Type: GrantFiled: October 12, 2017Date of Patent: March 24, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Nicholas R. Baker, David W. Thurber, Paul Christopher Rutkowski, Benjamin F. Bowne
-
Patent number: 10569650Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.Type: GrantFiled: October 3, 2018Date of Patent: February 25, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Matthew Eric Riley, Sr., Gregory Dwayne Carter, James M. Freeman, Vaidya Balasubramanian Pillai, Jason Chang, David W. Thurber
-
Patent number: 10564824Abstract: A computer-implemented method includes detecting a plurality of faces within one or more images, and, for each of the plurality of faces, registering the face with a contact. The method further includes receiving a selection of one of the plurality of faces from a user, and, in response to the selection of the one of the plurality of faces, determining the contact associated with the selected one of the plurality of faces. Still further, the method includes retrieving information about the contact, and generating a list of selectable communication types to be displayed to the user on a display device.Type: GrantFiled: May 4, 2018Date of Patent: February 18, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: James M. Freeman, Vaidya Balasubramanian Pillai, Matthew Eric Riley, Sr., David W. Thurber, Gregory Dwayne Carter, Jason Chang
-
Patent number: 10534968Abstract: Methods, systems, apparatus, and non-transitory media are described for verifying a vehicle's odometer mileage that is associated with an insurance policy. The described techniques include sending a notification to a mobile computing device requesting an update of the odometer mileage. The notification may be generated in response to the current date being within a threshold number of days prior to the insurance policy's expiration date. In response to the notification, a user may capture an image of the odometer with the mobile computing device, which may also include data indicative of the status of the mobile computing device. One or more optical character recognition (OCR) processes may be applied to the captured image to determine various odometer mileages. Aspects include verifying the odometer mileage when different OCR processes produce the same odometer mileage result and using the status of the mobile computing device to flag potentially fraudulent images.Type: GrantFiled: April 13, 2016Date of Patent: January 14, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark E. Clauss, David W. Thurber, Matthew Eric Riley, Sr., Richard J. Lovings, Steven J. Balbach, Nicholas R. Baker, J. Lynn Wilson
-
Patent number: 10504188Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.Type: GrantFiled: January 24, 2017Date of Patent: December 10, 2019Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Benjamin F. Bowne, Jufeng “James” Peng, Nicholas R. Baker, Duane Lee Marzinzik, Matthew Eric Riley, Nicholas U. Christopulos, Brian Mark Fields, J. Lynn Wilson, Bryan T. Wilkerson, David W. Thurber
-
Patent number: 10424022Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.Type: GrantFiled: January 24, 2017Date of Patent: September 24, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Benjamin F. Bowne, James Peng, Nicholas R. Baker, Duane Lee Marzinzik, Matthew Eric Riley, Sr., Nicholas Christopulos, Brian Mark Fields, J. Lynn Wilson, Bryan T. Wilkerson, David W. Thurber
-
Patent number: 10410288Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.Type: GrantFiled: January 5, 2015Date of Patent: September 10, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Benjamin F. Bowne, Jufeng “James” Peng, Nicholas R. Baker, Duane Lee Marzinzik, Matthew Eric Riley, Sr., Nick U. Christopulos, Brian Mark Fields, J Lynn Wilson, Bryan T. Wilkerson, David W. Thurber
-
Patent number: 10402907Abstract: A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a remote computer receives the collected vehicle operation data from a mobile device and calculates an insurance premium based at least in part on the collected vehicle operation data. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a server receives collected vehicle operation data, a database stores the collected vehicle operation data, and a rating engine determines a vehicle insurance premium based at least in part on collected vehicle operation data.Type: GrantFiled: February 8, 2013Date of Patent: September 3, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Benjamin F. Bowne, Jufeng “James” Peng, Nicholas R. Baker, Duane Lee Marzinzik, Matthew Eric Riley, Sr., Nick U. Christopulos, Brian Mark Fields, J Lynn Wilson, Bryan T. Wilkerson, David W. Thurber
-
Patent number: 10304139Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.Type: GrantFiled: February 25, 2015Date of Patent: May 28, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Benjamin F. Bowne, Jufeng James Peng, Nicholas R. Baker, Duane Lee Marzinzik, Matthew Eric Riley, Nick U. Christopulos, Brian Mark Fields, J Lynn Wilson, Bryan T. Wilkerson, David W. Thurber
-
Patent number: 10118487Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.Type: GrantFiled: January 25, 2016Date of Patent: November 6, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Matthew Eric Riley, Sr., Gregory Dwayne Carter, James M. Freeman, Vaidya Balasubramanian Pillai, Jason Chang, David W. Thurber
-
Patent number: 10118488Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.Type: GrantFiled: May 16, 2018Date of Patent: November 6, 2018Inventors: Matthew Eric Riley, Sr., Gregory Dwayne Carter, James M. Freeman, Vaidya Balasubramanian Pillai, Jason Chang, David W. Thurber
-
Patent number: 10013153Abstract: A computer-implemented method includes detecting a plurality of faces within one or more images, and, for each of the plurality of faces, registering the face with a contact. The method further includes receiving a selection of one of the plurality of faces from a user, and, in response to the selection of the one of the plurality of faces, determining the contact associated with the selected one of the plurality of faces. Still further, the method includes retrieving information about the contact, and generating a list of selectable communication types to be displayed to the user on a display device.Type: GrantFiled: May 5, 2015Date of Patent: July 3, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: James M. Freeman, Vaidya Balasubramanian Pillai, Matthew Eric Riley, Sr., David W. Thurber, Gregory Dwayne Carter, Jason Chang
-
Patent number: 9865018Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.Type: GrantFiled: January 5, 2015Date of Patent: January 9, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Benjamin F. Bowne, Jufeng “James” Peng, Nicholas R. Baker, Duane Lee Marzinzik, Matthew Eric Riley, Sr., Nick U. Christopulos, Brian Mark Fields, J Lynn Wilson, Bryan T. Wilkerson, David W. Thurber
-
Patent number: 9830662Abstract: Client side and server side methods for combining data originating from an On Board Diagnostics (OBD) cap with data originating from a client computing device are presented. The method includes receiving, from a client computing device via a computer network, a plurality of OBD cap data originating from an OBD cap and receiving, from the client computing device via the computer network, a plurality of client computing device data originating from the client computing device. The method also includes selecting, at a processor, a first data parameter from the plurality of OBD cap data and selecting, at the processor, a second data parameter from the plurality of client computing device data. The method further includes analyzing, at the processor, the first data parameter and the second data parameter and flagging, at the processor, an insurance account associated with the OBD device as a result of the analysis.Type: GrantFiled: March 17, 2014Date of Patent: November 28, 2017Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Nicholas R. Baker, David W. Thurber, Paul Christopher Rutkowski, Benjamin F. Bowne