Patents by Inventor Lihu Huang

Lihu Huang 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).

  • System and method for determining an insurance premium based on complexity of a vehicle trip
    Patent number: 8799035
    Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on route complexity. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a complexity score of the trip based on the telematics data. The processor is also configured to determine a price for automobile insurance for the driver based on the complexity score of the at least one trip.
    Type: Grant
    Filed: September 17, 2013
    Date of Patent: August 5, 2014
    Assignee: Hartford Fire Insurance Company
    Inventors: Mark S. Coleman, Darrel S. Barbato, Lihu Huang
  • SYSTEM AND METHOD FOR DETERMINING AN INSURANCE PREMIUM BASED ON COMPLEXITY OF A VEHICLE TRIP
    Publication number: 20140019170
    Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on route complexity. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a complexity score of the trip based on the telematics data. The processor is also configured to determine a price for automobile insurance for the driver based on the complexity score of the at least one trip.
    Type: Application
    Filed: September 17, 2013
    Publication date: January 16, 2014
    Applicant: Hartford Fire Insurance Company
    Inventors: Mark S. Coleman, Darrel S. Barbato, Lihu Huang
  • System and method for computing and scoring the complexity of a vehicle trip using geo-spatial information
    Patent number: 8538785
    Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on route complexity. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a complexity score of the trip based on the telematics data. The processor is also configured to determine a price for automobile insurance for the driver based on the complexity score of the at least one trip.
    Type: Grant
    Filed: August 19, 2011
    Date of Patent: September 17, 2013
    Assignee: Hartford Fire Insurance Company
    Inventors: Mark S. Coleman, Darrel S. Barbato, Lihu Huang
  • SYSTEM AND METHOD FOR COMPUTING AND SCORING THE COMPLEXITY OF A VEHICLE TRIP USING GEO-SPATIAL INFORMATION
    Publication number: 20130046559
    Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on route complexity. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a complexity score of the trip based on the telematics data. The processor is also configured to determine a price for automobile insurance for the driver based on the complexity score of the at least one trip.
    Type: Application
    Filed: August 19, 2011
    Publication date: February 21, 2013
    Applicant: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Mark S. Coleman, Darrel S. Barbato, Lihu Huang