Patents by Inventor Jeffrey S. Myers
Jeffrey S. Myers 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: 11961313Abstract: Systems and methods for using image analysis techniques to assess unsafe driving conditions by a vehicle operator are discloses. According to aspects, a computing device may access and analyze image data depicting the vehicle operator. In analyzing the image, the computing device may measure certain visible metrics as depicted in the image data and compare the metrics to corresponding threshold values, and may accordingly determine whether the vehicle operator is exhibiting an unsafe driving condition. The computing device may generate and present alerts that indicate any determined unsafe driving condition.Type: GrantFiled: January 31, 2023Date of Patent: April 16, 2024Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Dingchao Zhang, Yuntao Li, Jeffrey S. Myers
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Publication number: 20240079117Abstract: A method and system may use computer vision techniques and machine learning analysis to automatically identify a user's biometric characteristics. A user's client computing device may capture a video of the user. Feature data and movement data may be extracted from the video and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.Type: ApplicationFiled: November 10, 2023Publication date: March 7, 2024Inventors: Dingchao Zhang, Jeffrey S. Myers, Michael Bernico, Marigona Bokshi-Drotar, Edward W. Breitweiser, Peter Laube, Utku Pamuksuz
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Publication number: 20240027780Abstract: A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.Type: ApplicationFiled: September 29, 2023Publication date: January 25, 2024Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Michael L. Bernico, Jeffrey S. Myers
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Publication number: 20240010146Abstract: Systems and methods for using image analysis techniques to facilitate adjustments to vehicle components are disclosed. According to aspects, a computing device may access and analyze image data depicting an individual(s) within a vehicle, and in particular determine a positioning of the individual(s) within the vehicle. Based on the positioning, the computing device may determine how to adjust a vehicle component(s) to its optimal configuration, and may facilitate adjustment of the vehicle component(s) accordingly.Type: ApplicationFiled: September 21, 2023Publication date: January 11, 2024Inventors: Yuntao Li, Dingchao Zhang, Jeffrey S. Myers
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Patent number: 11862326Abstract: A method and system may use computer vision techniques and machine learning analysis to automatically identify a user's biometric characteristics. A user's client computing device may capture a video of the user. Feature data and movement data may be extracted from the video and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.Type: GrantFiled: October 27, 2020Date of Patent: January 2, 2024Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Dingchao Zhang, Jeffrey S. Myers, Michael Bernico, Marigona Bokshi-Drotar, Edward W. Breitweiser, Peter Laube, Utku Pamuksuz
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Publication number: 20230401647Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analyses of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.Type: ApplicationFiled: August 24, 2023Publication date: December 14, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Jeffrey S. Myers, Kenneth J. Sanchez, Michael L. Bernico
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Patent number: 11828949Abstract: A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.Type: GrantFiled: March 25, 2019Date of Patent: November 28, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Michael L. Bernico, Jeffrey S. Myers
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Publication number: 20230360143Abstract: A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.Type: ApplicationFiled: July 21, 2023Publication date: November 9, 2023Applicant: State Farm Mutual Automobile Insurance CompanyInventors: Michael L. Bernico, Jeffrey S. Myers
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Patent number: 11794675Abstract: Systems and methods for using image analysis techniques to facilitate adjustments to vehicle components are disclosed. According to aspects, a computing device may access and analyze image data depicting an individual(s) within a vehicle, and in particular determine a positioning of the individual(s) within the vehicle. Based on the positioning, the computing device may determine how to adjust a vehicle component(s) to its optimal configuration, and may facilitate adjustment of the vehicle component(s) accordingly.Type: GrantFiled: January 20, 2022Date of Patent: October 24, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Yuntao Li, Dingchao Zhang, Jeffrey S. Myers
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Patent number: 11776246Abstract: A method and system may use machine learning analysis of audio data to automatically identify a user's biometric characteristics. A user's client computing device may capture audio of the user. Feature data may be extracted from the audio and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.Type: GrantFiled: November 8, 2022Date of Patent: October 3, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Dingchao Zhang, Michael Bernico, Peter Laube, Utku Pamuksuz, Jeffrey S. Myers, Marigona Bokshi-Drotar, Edward W. Breitweiser
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Patent number: 11769213Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analyses of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.Type: GrantFiled: April 29, 2022Date of Patent: September 26, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Jeffrey S. Myers, Kenneth J. Sanchez, Michael L. Bernico
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Publication number: 20230252578Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analyses of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.Type: ApplicationFiled: April 13, 2023Publication date: August 10, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Jeffrey S. Myers, Kenneth J. Sanchez, Michael L. Bernico
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Patent number: 11676217Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analyses of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.Type: GrantFiled: February 3, 2022Date of Patent: June 13, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Jeffrey S. Myers, Kenneth J. Sanchez, Michael L. Bernico
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Publication number: 20230177848Abstract: Systems and methods for using image analysis techniques to assess unsafe driving conditions by a vehicle operator are discloses. According to aspects, a computing device may access and analyze image data depicting the vehicle operator. In analyzing the image, the computing device may measure certain visible metrics as depicted in the image data and compare the metrics to corresponding threshold values, and may accordingly determine whether the vehicle operator is exhibiting an unsafe driving condition. The computing device may generate and present alerts that indicate any determined unsafe driving condition.Type: ApplicationFiled: January 31, 2023Publication date: June 8, 2023Inventors: Dingchao Zhang, Yuntao Li, Jeffrey S. Myers
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Patent number: 11640717Abstract: Systems and methods for using image analysis techniques to assess abnormal vehicle operating conditions are disclosed. According to aspects, a computing device may access and analyze image data depicting an individual(s) within a vehicle. Based on the depicted individuals(s) and optionally on other data, the computing device may determine that an abnormal condition exists. In response, the computing device may generate a notification and transmit the notification to an electronic device of an individual associated with the vehicle.Type: GrantFiled: May 31, 2022Date of Patent: May 2, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Yuntao Li, Dingchao Zhang, Jeffrey S. Myers
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Patent number: 11600082Abstract: Systems and methods for using image analysis techniques to assess unsafe driving conditions by a vehicle operator are discloses. According to aspects, a computing device may access and analyze image data depicting the vehicle operator. In analyzing the image, the computing device may measure certain visible metrics as depicted in the image data and compare the metrics to corresponding threshold values, and may accordingly determine whether the vehicle operator is exhibiting an unsafe driving condition. The computing device may generate and present alerts that indicate any determined unsafe driving condition.Type: GrantFiled: September 3, 2020Date of Patent: March 7, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Dingchao Zhang, Yuntao Li, Jeffrey S. Myers
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Publication number: 20230060732Abstract: A method and system may use machine learning analysis of audio data to automatically identify a user's biometric characteristics. A user's client computing device may capture audio of the user. Feature data may be extracted from the audio and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.Type: ApplicationFiled: November 8, 2022Publication date: March 2, 2023Inventors: Dingchao Zhang, Michael Bernico, Peter Laube, Utku Pamuksuz, Jeffrey S. Myers, Marigona Bokshi-Drotar, Edward W. Breitweiser
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Publication number: 20230032355Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analysis of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.Type: ApplicationFiled: October 11, 2022Publication date: February 2, 2023Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Jeffrey S. Myers, Kenneth J. Sanchez, Michael L. Bernico
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Patent number: 11521412Abstract: A method and system may use machine learning analysis of audio data to automatically identify a user's biometric characteristics. A user's client computing device may capture audio of the user. Feature data may be extracted from the audio and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.Type: GrantFiled: November 2, 2020Date of Patent: December 6, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Dingchao Zhang, Michael Bernico, Peter Laube, Utku Pamuksuz, Jeffrey S. Myers, Marigona Bokshi-Drotar, Edward W. Breitweiser
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Patent number: 11501133Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analysis of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.Type: GrantFiled: June 4, 2020Date of Patent: November 15, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Jeffrey S. Myers, Kenneth J. Sanchez, Michael L. Bernico