Patents by Inventor Douglas Albert
Douglas Albert 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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Publication number: 20250064958Abstract: Provided herein are APP RNAi agents and compositions comprising an APP RNAi agent. Also provided herein are methods of using the APP RNAi agents or compositions comprising an APP RNAi agent in reducing APP expression and/or treating APP associated neurological diseases.Type: ApplicationFiled: August 16, 2024Publication date: February 27, 2025Inventors: Riazul ALAM, Jee-Wei Emily CHEN, Carrie Hughes CROY, David Albert DRIVER, Sarah Katharina FRITSCHI, Daniel Scott GIRARD, Isabel C. GONZALEZ VALCARCEL, Ruben Martin MARTINEZ, Rebecca Ruth MILES, Hatice Gulcin OZER, Douglas Raymond PERKINS, Jibo WANG
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Patent number: 12179695Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.Type: GrantFiled: March 7, 2023Date of Patent: December 31, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann, Douglas Albert Graff
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Patent number: 12179696Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: GrantFiled: June 6, 2023Date of Patent: December 31, 2024Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 12151644Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.Type: GrantFiled: March 6, 2023Date of Patent: November 26, 2024Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230322184Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: ApplicationFiled: June 6, 2023Publication date: October 12, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230252100Abstract: A processing device receives a request to analyze the file hierarchy comprising the plurality of components and sends respective commands to a plurality of matching services. The processing device further receives respective individual results from the plurality of matching services, each of the respective individual results indicating a respective subset of the plurality of components, and correlates the respective individual results using external identifiers associated with the components of each respective subset to generate a unified set of results.Type: ApplicationFiled: February 8, 2022Publication date: August 10, 2023Inventors: Douglas Albert Brown, Damon Alexander Weinstein, Jagat Prakashchandra Parekh
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Patent number: 11708050Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: GrantFiled: January 14, 2022Date of Patent: July 25, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230219521Abstract: A method of driver behavior that includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data in real-time. The method also includes analyzing the telematics data to determine whether a driving score for a driver, determining whether the driving score is greater than a threshold value, determining a discount based upon the driving score being higher than the threshold, and generating a communication based upon the discount. The method further includes transmitting the communication.Type: ApplicationFiled: March 20, 2023Publication date: July 13, 2023Inventors: Thomas Michael Potter, Douglas Albert Graff, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230202427Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.Type: ApplicationFiled: March 7, 2023Publication date: June 29, 2023Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann, Douglas Albert Graff
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Publication number: 20230202426Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.Type: ApplicationFiled: March 6, 2023Publication date: June 29, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20230130493Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.Type: ApplicationFiled: December 22, 2022Publication date: April 27, 2023Applicant: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11634103Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.Type: GrantFiled: April 5, 2021Date of Patent: April 25, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann, Douglas Albert Graff
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Patent number: 11634102Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.Type: GrantFiled: October 22, 2020Date of Patent: April 25, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11565654Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.Type: GrantFiled: October 27, 2020Date of Patent: January 31, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20220138861Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: ApplicationFiled: January 14, 2022Publication date: May 5, 2022Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11257163Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.Type: GrantFiled: July 18, 2018Date of Patent: February 22, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Publication number: 20210407015Abstract: In systems and methods for facilitating fault determination, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may analyzed and, based upon the analysis of the accident data, fault (or lack thereof) of the driver, other drivers, road or weather conditions, construction, or other external factors or environment conditions for the vehicle accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident, and to adjust, generate or update one or more insurance-related items, including (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. As such, drivers not at a fault for an accident may realize insurance-cost savings and/or may not be unfairly penalized.Type: ApplicationFiled: September 10, 2021Publication date: December 30, 2021Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
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Patent number: 11182868Abstract: The present disclosure generally relates to generating an automated police report after an accident. For example, a police officer may scan in an insurance card barcode, a VIN barcode, a driver's license number, etc., to populate fields of the automated police report. The automated police report may also include telematics data from an associated vehicle to determine an impact of a collision, a time and location of the collision, etc. A scene of the accident may also be reconstructed using satellite images and/or video taken at the time of the accident. For example, the scene may be reconstructed based on image sensors on the vehicle, weather data at the time of the collision, data communicated vehicle-to-vehicle from another vehicle, telematics data, etc. Images of the reconstructed scene and/or images of the actual scene from the satellite video may be included in the automated police report.Type: GrantFiled: May 6, 2020Date of Patent: November 23, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: William J. Leise, Douglas Albert Graff, Christina P. Mullen
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Publication number: 20210279793Abstract: A computer-implemented method for providing a master financial account (MFA) may include receiving authorization from a user to link one or more accounts to the MFA. The linked accounts may be analyzed to determine one or more changes that may potentially benefit the user. A recommendation may be generated that includes one or more changes to be made to one or more accounts, based on the analysis. The recommendation and/or an indication of the potential benefits may be transmitted to the user. The transmission to the user may include a request to authorize implementation of one or more elements of the recommendation. If the user authorizes the implementation of one or more elements of the recommendation, the authorized changes to the accounts may be implemented.Type: ApplicationFiled: April 8, 2016Publication date: September 9, 2021Inventors: William J. Leise, Douglas Albert Graff, Christina P. Mullen
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Publication number: 20210225155Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.Type: ApplicationFiled: April 5, 2021Publication date: July 22, 2021Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann, Douglas Albert Graff