Patents by Inventor Eric Webster
Eric Webster 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: 20230274363Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.Type: ApplicationFiled: May 3, 2023Publication date: August 31, 2023Inventors: Eric Webster, Susan Beigie, Kyle Schmitt, Leif Agerholm Roll, Kathleen Lenzini, Sarah Mineau
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Patent number: 11676211Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.Type: GrantFiled: March 26, 2021Date of Patent: June 13, 2023Assignee: BLUEOWL, LLCInventors: Eric Webster, Susan Beigie, Kyle Schmitt, Leif Agerholm Roll, Kathleen Lenzini, Sarah Mineau
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Publication number: 20230143195Abstract: A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.Type: ApplicationFiled: January 6, 2023Publication date: May 11, 2023Inventors: Leif Agerholm Roll, Craig Dean Isaacs, Eric Webster, Gregory L. Hayward
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Patent number: 11574368Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.Type: GrantFiled: June 4, 2020Date of Patent: February 7, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Leif Agerholm Roll, Craig Dean Isaacs, Eric Webster, Gregory L. Hayward
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Publication number: 20220309574Abstract: Techniques are disclosed to recognize and leverage a correlation between improved driving safety and lower financial risk. For drivers identified as being particularly safe, interest rates associated with various installment-based products (e.g., a vehicle loan) may be dynamically adjusted based upon each user's driving habits over time. To identify safe drivers, telematics data (e.g., acceleration, cornering, speed, and braking data) and other information may be collected identifying each user and providing an indication of driving safety, which may be represented as a numeric driving score. Each driver's numeric driving score may be used to identify safe drivers and, once identified, the techniques include adjusting interest rates and/or other installment-based program parameters by an amount that is based upon each driver's particular driving score.Type: ApplicationFiled: February 7, 2018Publication date: September 29, 2022Inventor: Eric Webster
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Patent number: 11354750Abstract: Blockchain techniques for providing insurance to an affinity group may include an enforcement server that receives a plurality of bidding actions (e.g., bid or no-bid) from a plurality of bidding entities in response to an auction of an opportunity to provide insurance for members of the affinity group. The server may compile transactions corresponding to the received bidding actions into a block of transactions (e.g., a round of bidding), distribute the block of transactions to validation entities to form a consensus on the highest bid, and update copies of a distributed ledger with the block of transactions. The server may identify a winning bid and provide affinity group member data to the winning bidding entity, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The affinity group may be updated over time and re-auctioned using the blockchain techniques.Type: GrantFiled: April 20, 2020Date of Patent: June 7, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Leif Agerholm Roll, Eric Webster, Gregory Hayward, Craig Dean Isaacs
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Publication number: 20220148346Abstract: Systems and methods for using a vehicle's relative speed to determine an automobile insurance risk assessment rating are provided. According to certain aspects, an average velocity may be calculated, either from real-time or historical telematics data, for a group of vehicles traveling in the same direction on a roadway. Additionally, an average velocity differential for a target vehicle may be determined based upon the average velocity of the group of vehicles. Moreover, based upon the average velocity differential, an automobile insurance risk assessment rating for an individual may be determined which may cause a change in the individual's automobile insurance premium. Further, recommendations on how to improve the individual's automobile insurance risk assessment rating may be provided to the user via the user interface of an electronic device associated with the individual.Type: ApplicationFiled: January 21, 2022Publication date: May 12, 2022Inventor: Eric Webster
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Patent number: 11263834Abstract: Systems and methods for using a vehicle's relative speed to determine an automobile insurance risk assessment rating are provided. According to certain aspects, an average velocity may be calculated, either from real-time or historical telematics data, for a group of vehicles traveling in the same direction on a roadway. Additionally, an average velocity differential for a target vehicle may be determined based upon the average velocity of the group of vehicles. Moreover, based upon the average velocity differential, an automobile insurance risk assessment rating for an individual may be determined which may cause a change in the individual's automobile insurance premium. Further, recommendations on how to improve the individual's automobile insurance risk assessment rating may be provided to the user via the user interface of an electronic device associated with the individual.Type: GrantFiled: February 7, 2018Date of Patent: March 1, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventor: Eric Webster
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Publication number: 20220012812Abstract: Techniques for obtaining and/or maintaining insurance coverage include receiving customer information for customers including insurance policy preferences or characteristics for each customer. These techniques further include grouping the customers into affinity groups by generating a set of preferences or characteristics for each affinity group, comparing the insurance policy preferences or characteristics for each customer to the set of preferences or characteristics for each affinity group, and assigning a customer to an affinity group in response to determining that at least a threshold number of insurance policy preferences or characteristics for the customer matches the set of preferences or characteristics for the affinity group. For at least one affinity group, an insurance provider is selected for providing an insurance policy to each of the customers in the affinity group, and each of the customers in the affinity group is notified of the selected insurance provider and the premium.Type: ApplicationFiled: April 20, 2020Publication date: January 13, 2022Inventors: Leif Agerholm Roll, Eric Webster, Gregory Hayward, Craig Dean Isaacs
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Publication number: 20220012813Abstract: An intermediary entity may act on behalf of consumers to find Usage-Based Insurance (UBI) that best or optimally meet the consumers' UBI preferences and/or characteristics. Based upon an analysis of individual UBI consumer characteristics and/or preferences, each individual UBI consumer may be grouped with other UBI consumers having similar characteristics and/or UBI preferences. For at least one individual assigned a first UBI policy group or segment, intermediary entity may determine that a UBI preference or characteristic of the individual has changed, divide or segment the individual into a second UBI policy group or segment based on the changed UBI preference or characteristic, and update or provide a UBI policy for the individual associated with the second UBI policy group or segment.Type: ApplicationFiled: April 20, 2020Publication date: January 13, 2022Inventors: Leif Agerholm Roll, Eric Webster, Gregory Hayward, Craig Dean Isaacs
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Publication number: 20220012811Abstract: Techniques for obtaining and/or maintaining insurance coverage include receiving insurance policy preferences for a customer, storing the insurance policy preferences in a customer profile database, and using the insurance policy preferences to automatically obtain a first insurance policy from a first insurance provider, where the first insurance policy has (i) first policy features, and (ii) a first premium corresponding to a first policy term. Automatically obtaining the first insurance policy includes receiving, from each of a plurality of insurance provider computer systems associated with the plurality of respective insurance providers, a quote indicating one or more policy features corresponding to a policy term, selecting one of the quotes from the plurality of respective insurance providers based on the one or more policy features for the quote and the insurance policy preferences for the customer, and notifying the customer of the first insurance provider and the first premium.Type: ApplicationFiled: April 20, 2020Publication date: January 13, 2022Inventors: Leif Agerholm Roll, Eric Webster, Gregory Hayward, Craig Dean Isaacs
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Patent number: 11211421Abstract: A sensor includes a photodiode disposed in a semiconductor material to receive light and convert the light into charge, and a first floating diffusion coupled to the photodiode to receive the charge. A second floating diffusion is coupled to the photodiode to receive the charge, and a first transfer transistor is coupled to transfer the charge from the photodiode into the first floating diffusion. A second transfer transistor is coupled to transfer the charge from the photodiode into the second floating diffusion, and an inductor is coupled between a first gate terminal of the first transfer transistor and a second gate terminal of the second transfer transistor. The inductor, the first gate terminal, and the second gate terminal form a resonant circuit.Type: GrantFiled: January 23, 2019Date of Patent: December 28, 2021Assignee: OMNIVISION TECHNOLOGIES, INC.Inventors: Xianmin Yi, Jingming Yao, Philip Cizdziel, Eric Webster, Duli Mao, Zhiqiang Lin, Jens Landgraf, Keiji Mabuchi, Kevin Johnson, Sohei Manabe, Dyson H. Tai, Lindsay Grant, Boyd Fowler
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Publication number: 20210295443Abstract: Systems and methods for using a vehicle's relative speed to determine an automobile insurance risk assessment rating are provided. According to certain aspects, an average velocity may be calculated, either from real-time or historical telematics data, for a group of vehicles traveling in the same direction on a roadway. Additionally, an average velocity differential for a target vehicle may be determined based upon the average velocity of the group of vehicles. Moreover, based upon the average velocity differential, an automobile insurance risk assessment rating for an individual may be determined which may cause a change in the individual's automobile insurance premium. Further, recommendations on how to improve the individual's automobile insurance risk assessment rating may be provided to the user via the user interface of an electronic device associated with the individual.Type: ApplicationFiled: February 7, 2018Publication date: September 23, 2021Inventor: Eric Webster
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Publication number: 20210217092Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.Type: ApplicationFiled: March 26, 2021Publication date: July 15, 2021Inventors: Eric Webster, Susan Beigie, Kyle Schmitt, Leif Agerholm Roll, Kathleen Lenzini, Sarah Mineau
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Patent number: 11032496Abstract: A time-of-flight pixel array comprises multiple pixel cells. The pixel cell comprises a light collection region, a light shielded region, and a deep trench isolation (DTI) structure that encircles the light collection region to prevent light from entering the light shielded region. Photogate in the light collection region is disposed above a photodiode to accumulate the photo-generated electrical charges. A doped region disposed near the photogate collects the attracted charges. The doped region extends to the light shielded region and transfers the collected charges to a floating diffusion through a shutter transistor also in the light shielded region. DTI or similar structures are deployed to the entire pixel array to prevent light from exchanging between different light collection regions and light from entering the light shielded regions of all pixel cells. Interference between the shielded regions of different pixel cells is also minimized.Type: GrantFiled: July 22, 2019Date of Patent: June 8, 2021Assignee: OmniVision Technologies, Inc.Inventor: Eric Webster
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Patent number: 10997660Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.Type: GrantFiled: May 9, 2018Date of Patent: May 4, 2021Assignee: BlueOwl, LLCInventors: Eric Webster, Susan Beigie, Kyle Schmitt, Leif Agerholm Roll, Kathleen Lenzini, Sarah Mineau
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Publication number: 20210125432Abstract: Techniques for using dynamic comparison groups to assess driving safety are provided. Customizable comparison groups of vehicle operator's may be created based upon specific parameters. Drivers belonging to each specific comparison group may be ranked among one another based upon a comparison of telematics data that is associated with each vehicle, which may indicate various metrics associated with each driver's driving safety. By providing each driver's ranking within comparison groups, a gamified interface and user interaction is achieved, which promotes competition and acts as an incentive for the drivers to drive safer and avoid risk. Additional incentives may be provided in the form of automobile insurance premium discounts and recommendations for improving the driver's ranking.Type: ApplicationFiled: January 5, 2021Publication date: April 29, 2021Inventors: Eric Webster, Eric Dahl, Blake Konrardy
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Patent number: 10964738Abstract: An image sensor includes one or more photodiodes disposed in a semiconductor material to receive image light and generate image charge, and a floating diffusion to receive the image charge from the one or more photodiodes. One or more transfer transistors is coupled to transfer image charge in the one or more photodiodes to the floating diffusion, and a source follower transistor is coupled to amplify the image charge in the floating diffusion. The source follower includes a gate electrode (coupled to the floating diffusion), source and drain electrodes, and an active region disposed in the semiconductor material between the source and drain electrodes. A dielectric material is disposed between the gate electrode and the active region and has a first thickness and a second thickness. The second thickness is greater than the first thickness, and the second thickness is disposed closer to the drain electrode than the first thickness.Type: GrantFiled: October 2, 2018Date of Patent: March 30, 2021Assignee: OmniVision Technologies, Inc.Inventors: Gang Chen, Yuanwei Zheng, Qin Wang, Cunyu Yang, Guannan Chen, Duli Mao, Dyson Tai, Lindsay Grant, Eric Webster, Sing-Chung Hu
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Patent number: 10916075Abstract: Techniques for using dynamic comparison groups to assess driving safety are provided. Customizable comparison groups of vehicle operator's may be created based upon specific parameters. Drivers belonging to each specific comparison group may be ranked among one another based upon a comparison of telematics data that is associated with each vehicle, which may indicate various metrics associated with each driver's driving safety. By providing each driver's ranking within comparison groups, a gamified interface and user interaction is achieved, which promotes competition and acts as an incentive for the drivers to drive safer and avoid risk. Additional incentives may be provided in the form of automobile insurance premium discounts and recommendations for improving the driver's ranking.Type: GrantFiled: August 17, 2017Date of Patent: February 9, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Eric Webster, Eric Dahl, Blake Konrardy
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Publication number: 20210029311Abstract: A time-of-flight pixel array comprises multiple pixel cells. The pixel cell comprises a light collection region, a light shielded region, and a deep trench isolation (DTI) structure that encircles the light collection region to prevent light from entering the light shielded region. Photogate in the light collection region is disposed above a photodiode to accumulate the photo-generated electrical charges. A doped region disposed near the photogate collects the attracted charges. The doped region extends to the light shielded region and transfers the collected charges to a floating diffusion through a shutter transistor also in the light shielded region. DTI or similar structures are deployed to the entire pixel array to prevent light from exchanging between different light collection regions and light from entering the light shielded regions of all pixel cells. Interference between the shielded regions of different pixel cells is also minimized.Type: ApplicationFiled: July 22, 2019Publication date: January 28, 2021Applicant: OmniVision Technologies, Inc.Inventor: Eric Webster