Patents by Inventor Matthew Cuttell
Matthew Cuttell 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: 20240046291Abstract: Users may engage in a target user activity via digital systems, such as a website, and/or non-digital systems. Users may user various digital channels to arrive at the digital systems or non-digital systems. Users may also arrive at digital systems, such as the website, via different entry pages. A propensity analyzer can, based on activity data associated with users, determine propensities of one or more of the digital channels, digital systems, non-digital channels, and/or entry pages to drive users to perform a target user activity. The propensity analyzer can generate recommendations for revising digital channels, digital systems, non-digital channels, and/or entry pages to increase their propensities to drive users to perform the target user activity.Type: ApplicationFiled: October 20, 2023Publication date: February 8, 2024Inventors: Matthew Cuttell, Shuhui Zheng, Carl Baldone
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Patent number: 11836749Abstract: Users may engage in a target user activity via digital systems, such as a website, and/or non-digital systems. Users may user various digital channels to arrive at the digital systems or non-digital systems. Users may also arrive at digital systems, such as the website, via different entry pages. A propensity analyzer can, based on activity data associated with users, determine propensities of one or more of the digital channels, digital systems, non-digital channels, and/or entry pages to drive users to perform a target user activity. The propensity analyzer can generate recommendations for revising digital channels, digital systems, non-digital channels, and/or entry pages to increase their propensities to drive users to perform the target user activity.Type: GrantFiled: August 12, 2022Date of Patent: December 5, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Matthew Cuttell, Shuhui Zheng, Carl Baldone
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Publication number: 20230351520Abstract: A computer-implemented method includes receiving a work item associated with a structure, determining, using an inspection model, that an inspection is needed for the work item, retrieving an aerial image corresponding to a geographic location associated with the structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes (i) identifying a first object data category corresponding to the first object, and (ii) determining a data value descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the data value, linking the one or more action items to a customer account that is associated with the geographic location, and performing one or more actions corresponding to the one or more action items.Type: ApplicationFiled: June 30, 2023Publication date: November 2, 2023Inventors: Matthew Cuttell, Timothy Kiper
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Patent number: 11727494Abstract: A computer implemented method includes retrieving, via a computer network, an aerial image corresponding to a geographic location associated with a structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes identifying a first object data category corresponding to the first object, and determining objective and subjective data values descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the objective and subjective data values, and linking the one or more action items to a customer account that is associated with the geographic location.Type: GrantFiled: September 9, 2020Date of Patent: August 15, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Matthew Cuttell, Timothy Kiper
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Publication number: 20220405782Abstract: Users may engage in a target user activity via digital systems, such as a website, and/or non-digital systems. Users may user various digital channels to arrive at the digital systems or non-digital systems. Users may also arrive at digital systems, such as the website, via different entry pages. A propensity analyzer can, based on activity data associated with users, determine propensities of one or more of the digital channels, digital systems, non-digital channels, and/or entry pages to drive users to perform a target user activity. The propensity analyzer can generate recommendations for revising digital channels, digital systems, non-digital channels, and/or entry pages to increase their propensities to drive users to perform the target user activity.Type: ApplicationFiled: August 12, 2022Publication date: December 22, 2022Inventors: Matthew Cuttell, Shuhui Zheng, Carl Baldone
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Patent number: 11449572Abstract: Users may arrive at a website via different digital channels. Users may also arrive at the website on different entry pages of the website. A propensity analyzer can, based on website activity data associated with a website, determine propensities of one or more of the digital channels, and/or one or more of the entry pages, to drive users to perform a target user activity during visits to the website. The propensity analyzer can generate recommendations for revising digital channels and/or entry pages to increase their propensities to drive users to perform the target user activity.Type: GrantFiled: July 7, 2021Date of Patent: September 20, 2022Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Matthew Cuttell, Shuhui Zheng, Carl Baldone
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Publication number: 20210334324Abstract: Users may arrive at a website via different digital channels. Users may also arrive at the website on different entry pages of the website. A propensity analyzer can, based on website activity data associated with a website, determine propensities of one or more of the digital channels, and/or one or more of the entry pages, to drive users to perform a target user activity during visits to the website. The propensity analyzer can generate recommendations for revising digital channels and/or entry pages to increase their propensities to drive users to perform the target user activity.Type: ApplicationFiled: July 7, 2021Publication date: October 28, 2021Inventors: Matthew Cuttell, Shuhui Zheng, Carl Baldone
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Patent number: 11086964Abstract: Users may arrive at a website via different digital channels. Users may also arrive at the website on different entry pages of the website. A propensity analyzer can, based on website activity data associated with a website, determine propensities of one or more of the digital channels, and/or one or more of the entry pages, to drive users to perform a target user activity during visits to the website. The propensity analyzer can generate recommendations for revising digital channels and/or entry pages to increase their propensities to drive users to perform the target user activity.Type: GrantFiled: December 18, 2020Date of Patent: August 10, 2021Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Matthew Cuttell, Shuhui Zheng, Carl Baldone
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Patent number: 10796374Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.Type: GrantFiled: May 10, 2018Date of Patent: October 6, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Matthew Cuttell, Timothy Kiper
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Patent number: 10019761Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.Type: GrantFiled: April 25, 2014Date of Patent: July 10, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Matthew Cuttell, Timothy Kiper
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Publication number: 20150310558Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.Type: ApplicationFiled: April 25, 2014Publication date: October 29, 2015Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Matthew Cuttell, Timothy Kiper
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Publication number: 20150088556Abstract: Methods and systems for processing property insurance are provided. According to embodiments, an insurer can process an insurance application for a property by determining a property rating score that reflects a need to conduct a manual inspection of the property. The insurer can apply a set of business rules or metrics to additional property data to further refine the decision of whether to conduct a manual inspection of the property as well as the decision of whether to issue a property insurance policy for the property. By not requiring a manual inspection, both the insurer and the insured may realize reduced costs.Type: ApplicationFiled: September 25, 2013Publication date: March 26, 2015Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Ryan Convery, Timothy Kiper, Dwayne Taylor, Brad M. Johnson, Shanda Bass, Craig Cornwell, Matthew Cuttell, Stacy Whitmer, Jennifer Huffman
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Publication number: 20150019263Abstract: A server integrates cost estimates in a insurance price quote process. After receiving an identification of an insurable asset in response to the one or more questions, the server receives, via the computer network, an indication of a customer choice to launch a cost estimation interface on an end user device. The cost estimation interface is used to generate a cost estimate via communication with a cost estimation server. The server receives a cost estimate from the cost estimation server, the cost estimate being generated based on customer interaction with the cost estimation interface. Also, the server causes the cost estimate and quote process information to be displayed to the customer on the end user device.Type: ApplicationFiled: July 12, 2013Publication date: January 15, 2015Inventors: Timothy Kiper, Eric Staniak, Matthew Cuttell, Josh Schwartz, Amy Engelhorn, Jennifer Huffman, Rhonda Benter, Amy Schmidt, Stacy Whitmer, Matt J. Schroeder, Kathryn E. Knarr