Patents by Inventor Michael Bernico

Michael Bernico 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).

  • Patent number: 11106926
    Abstract: A system and computer-implemented method for automatically predicting the labor, hours, and parts costs for repair of a vehicle includes receiving one or more images of the vehicle from a policyholder. A damage assessment model is accessed. The damage assessment model corresponds to features of vehicle damage based on a plurality of damaged vehicle images contained in an image training database. The damage assessment model is compared to the images of the vehicle and vehicle damage is identified based on the images. In addition, in response to identifying the vehicle damage, total labor costs, total parts costs, and total hours for repair of the vehicle are predicted based on the associated total labor costs, total parts costs, and total hours for repair data contained in the historical claims database.
    Type: Grant
    Filed: October 27, 2020
    Date of Patent: August 31, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Holly Lambert, Jennifer Malia Andrus, Marigona Bokshi-Drotar, Shane Tomlinson, Daniel J. Green, Michael Bernico, Bradley A. Sliz, He Yang
  • Publication number: 20210042543
    Abstract: A system and computer-implemented method for automatically predicting the labor, hours, and parts costs for repair of a vehicle includes receiving one or more images of the vehicle from a policyholder. A damage assessment model is accessed. The damage assessment model corresponds to features of vehicle damage based on a plurality of damaged vehicle images contained in an image training database. The damage assessment model is compared to the images of the vehicle and vehicle damage is identified based on the images. In addition, in response to identifying the vehicle damage, total labor costs, total parts costs, and total hours for repair of the vehicle are predicted based on the associated total labor costs, total parts costs, and total hours for repair data contained in the historical claims database.
    Type: Application
    Filed: October 27, 2020
    Publication date: February 11, 2021
    Inventors: Holly Lambert, Jennifer Malia Andrus, Marigona Bokshi-Drotar, Shane Tomlinson, Daniel J. Green, Michael Bernico, Bradley A. Sliz, He Yang
  • Patent number: 10832065
    Abstract: A system and computer-implemented method for automatically predicting the labor, hours, and parts costs for repair of a vehicle includes receiving one or more images of the vehicle from a policyholder. A damage assessment model is accessed. The damage assessment model corresponds to features of vehicle damage based on a plurality of damaged vehicle images contained in an image training database. The damage assessment model is compared to the images of the vehicle and vehicle damage is identified based on the images. In addition, in response to identifying the vehicle damage, total labor costs, total parts costs, and total hours for repair of the vehicle are predicted based on the associated total labor costs, total parts costs, and total hours for repair data contained in the historical claims database.
    Type: Grant
    Filed: June 15, 2018
    Date of Patent: November 10, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Holly Lambert, Jennifer Malia Andrus, Marigona Bokshi-Drotar, Shane Tomlinson, Daniel J. Green, Michael Bernico, Bradley A. Sliz, He Yang
  • Publication number: 20200349370
    Abstract: A system and computer-implemented method for automatically predicting the labor, hours, and parts costs for repair of a vehicle includes receiving one or more images of the vehicle from a policyholder. A damage assessment model is accessed. The damage assessment model corresponds to features of vehicle damage based on a plurality of damaged vehicle images contained in an image training database. The damage assessment model is compared to the images of the vehicle and vehicle damage is identified based on the images. In addition, in response to identifying the vehicle damage, total labor costs, total parts costs, and total hours for repair of the vehicle are predicted based on the associated total labor costs, total parts costs, and total hours for repair data contained in the historical claims database.
    Type: Application
    Filed: June 15, 2018
    Publication date: November 5, 2020
    Applicant: State Farm Mutual Automobile Insurance Company
    Inventors: Holly Lambert, Jennifer Malia Andrus, Marigona Bokshi-Drotar, Shane Tomlinson, Daniel J. Green, Michael Bernico, Bradley A. Sliz, He Yang
  • Patent number: 10825564
    Abstract: 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: Grant
    Filed: December 11, 2017
    Date of Patent: November 3, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Dingchao Zhang, Michael Bernico, Peter Laube, Utku Pamuksuz, Jeffrey S. Myers, Marigona Bokshi-Drotar, Edward W. Breitweiser
  • Patent number: 10824852
    Abstract: 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: Grant
    Filed: October 29, 2019
    Date of Patent: November 3, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Dingchao Zhang, Michael Bernico, Peter Laube, Utku Pamuksuz, Jeffrey S. Myers, Marigona Bokshi-Drotar, Edward W. Breitweiser
  • Patent number: 10733886
    Abstract: Systems and methods for real-time detection and mitigation anomalous behavior of a remote vehicle are provided, e.g., vehicle behavior that is consistent with distracted or unexpectedly disabled driving. On-board and off-board sensors associated with a subject vehicle may monitor the subject vehicle's environment, and behavior characteristics of a remote vehicle operating within the subject vehicle's environment may be determined based upon collected sensor data. The remote vehicle's behavior characteristics may be utilized to detect or determine the presence of anomalous behavior, which may be anomalous for the current contextual conditions of the vehicles' environment. Mitigating actions for detected remote vehicle anomalous behaviors may be suggested and/or automatically implemented at the subject vehicle and/or at proximate vehicles to avoid or reduce the risk of accidents, injury, or death resulting from the anomalous behavior. In some situations, authorities may be notified.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: August 4, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian Mark Fields, John A. Nepomuceno, Scott Thomas Christensen, Duane Christiansen, Steven C. Cielocha, Kristopher Keith Gaudin, Michael Bernico, Nathan L. Tofte, Steve Roberson
  • Patent number: 10725842
    Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for detecting system outages using application event logs. Various aspects may include obtaining several prior application event logs where the status of the system is known at the time the application event logs were recorded. Additionally, various aspects may include determining characteristics of prior application event logs which were recorded during a system outage, and/or determining characteristics of prior application event logs which were recorded while the system was available. When current application event logs are obtained where the status of the system is unknown at the time the current application event logs are recorded, various aspects include comparing the current application event logs to the prior application event logs to determine that a system outage has occurred based upon the comparison.
    Type: Grant
    Filed: January 23, 2019
    Date of Patent: July 28, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Michael Bernico, Brian Alexander, Abigail A Scott, Andrew J Rader
  • Patent number: 10715598
    Abstract: Methods and systems for processing machine accelerated and augmented customer data using a Web-Scale Data Fabric (WSDF). According to embodiments, the data may be received as data transfer objects from a set of business operations client applications. The data transfer objects may be analyzed using complex event processing (CEP) and, based on the analyzing, rules specific to the business operations client application may be applied. The methods and systems may semantically classify text specific to the business operations client application. A federated database (FD) may archive the receive data transfer objects as well as analysis data specific to the business operations client application.
    Type: Grant
    Filed: April 16, 2018
    Date of Patent: July 14, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Alex Anton, Tim G. Sanidas, Jeff Perschall, Michael Bernico, Michael K. Cook, Lynn Calvo, V. Rao Kanneganti
  • Patent number: 10540892
    Abstract: Systems and methods for real-time detection and mitigation anomalous behavior of a remote vehicle are provided, e.g., vehicle behavior that is consistent with distracted or unexpectedly disabled driving. On-board and off-board sensors associated with a subject vehicle may monitor the subject vehicle's environment, and behavior characteristics of a remote vehicle operating within the subject vehicle's environment may be determined based upon collected sensor data. The remote vehicle's behavior characteristics may be utilized to detect or determine the presence of anomalous behavior, which may be anomalous for the current contextual conditions of the vehicles' environment. Mitigating actions for detected remote vehicle anomalous behaviors may be suggested and/or automatically implemented at the subject vehicle and/or at proximate vehicles to avoid or reduce the risk of accidents, injury, or death resulting from the anomalous behavior. In some situations, authorities may be notified.
    Type: Grant
    Filed: October 26, 2017
    Date of Patent: January 21, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian Mark Fields, John A. Nepomuceno, Scott Thomas Christensen, Duane Christiansen, Steven C. Cielocha, Kristopher Keith Gaudin, Michael Bernico, Nathan L. Tofte, Steve Roberson
  • Patent number: 10503970
    Abstract: 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: Grant
    Filed: December 11, 2017
    Date of Patent: December 10, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Dingchao Zhang, Michael Bernico, Peter Laube, Utku Pamuksuz, Jeffrey S. Myers, Marigona Bokshi-Drotar, Edward W. Breitweiser
  • Patent number: 10417914
    Abstract: Methods and systems for displaying a user interface that warns a driver that a vehicle is located within or is near a geographical area (and/or intersection) associated with a higher than average risk of animal-vehicle and/or vehicle-vehicle collisions are provided. According to certain aspects, an electronic device may access a database that identifies a plurality of high risk areas, including areas associated with prior vehicle accidents. The electronic device may display a virtual road map, as well as an icon indicating the vehicle's current location and a plurality of visual indications of high-risk areas. When the electronic device detects that the current location of the vehicle is within and/or approaching a high-risk area, the electronic device may then warn the driver about the higher than average risk of experiencing a vehicle collision.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: September 17, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Matthew E. Vose, Michael Bernico, Milton Mowery, Tim G. Sanidas, Christopher Zimmer
  • Patent number: 10235228
    Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for detecting system outages using application event logs. Various aspects may include obtaining several prior application event logs where the status of the system is known at the time the application event logs were recorded. Additionally, various aspects may include determining characteristics of prior application event logs which were recorded during a system outage, and/or determining characteristics of prior application event logs which were recorded while the system was available. When current application event logs are obtained where the status of the system is unknown at the time the current application event logs are recorded, various aspects include comparing the current application event logs to the prior application event logs to determine that a system outage has occurred based upon the comparison.
    Type: Grant
    Filed: February 21, 2017
    Date of Patent: March 19, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Michael Bernico, Brian Alexander, Abigail A. Scott, Andrew J. Rader
  • Patent number: 10192445
    Abstract: Methods and systems for displaying a user interface that warns a driver that a vehicle is located within or is near a geographical area (and/or intersection) associated with a higher than average risk of animal-vehicle and/or vehicle-vehicle collisions are provided. According to certain aspects, an electronic device may access a database that identifies a plurality of high risk areas, including areas associated with prior vehicle accidents. The electronic device may display a virtual road map, as well as an icon indicating the vehicle's current location and a plurality of visual indications of high-risk areas. When the electronic device detects that the current location of the vehicle is within and/or approaching a high-risk area, the electronic device may then warn the driver about the higher than average risk of experiencing a vehicle collision.
    Type: Grant
    Filed: June 12, 2018
    Date of Patent: January 29, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Matthew E. Vose, Michael Bernico, Milton Mowery, Tim G. Sanidas, Christopher Zimmer
  • Patent number: 10166916
    Abstract: Methods and systems for analyzing environment data to determine whether a vehicle operator is at an elevated risk for an animal collision are provided. According to certain aspects, an insurance provider may assess elevated risk according to various factors and, if it is determined that the vehicle operator is at an elevated risk for an animal collision, the insurance provider may generate a warning and wirelessly communicate the warning to the vehicle operator. The factors analyzed may include past accident, driver characteristic, weather, calendar, time of day, animal, seasonal, and/or other information. The vehicle operator may be notified of the risk and optionally presented with tips to mitigate the risk. The vehicle operator may be notified of the risk by a mobile device and/or the vehicle, such as from a vehicle communication and control system. Animal collision avoidance functionality may be used to adjust insurance premiums, rates, or rewards.
    Type: Grant
    Filed: December 9, 2014
    Date of Patent: January 1, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Michael Bernico, Milton Mowery, Tim G. Sanidas, Christopher Zimmer
  • Patent number: 10055796
    Abstract: Methods and systems for displaying a user interface that warns a driver that a vehicle is located within or is near a geographical area (and/or intersection) associated with a higher than average risk of animal-vehicle and/or vehicle-vehicle collisions are provided. According to certain aspects, an electronic device may access a database that identifies a plurality of high risk areas, including areas associated with prior vehicle accidents. The electronic device may display a virtual road map, as well as an icon indicating the vehicle's current location and a plurality of visual indications of high-risk areas. When the electronic device detects that the current location of the vehicle is within and/or approaching a high-risk area, the electronic device may then warn the driver about the higher than average risk of experiencing a vehicle collision.
    Type: Grant
    Filed: January 17, 2018
    Date of Patent: August 21, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew E. Vose, Michael Bernico, Milton Mowery, Tim G. Sanidas, Christopher Zimmer
  • Patent number: 9948715
    Abstract: Methods and systems for processing machine accelerated and augmented customer data using a Web-Scale Data Fabric (WSDF). According to embodiments, the data may be received as data transfer objects from a set of business operations client applications. The data transfer objects may be analyzed using complex event processing (CEP) and, based on the analyzing, rules specific to the business operations client application may be applied. The methods and systems may semantically classify text specific to the business operations client application. A federated database (FD) may archive the receive data transfer objects as well as analysis data specific to the business operations client application.
    Type: Grant
    Filed: April 19, 2016
    Date of Patent: April 17, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Alex Anton, Tim G. Sanidas, Jeff Perschall, Michael Bernico, Michael K. Cook, Lynn Calvo, V. Rao Kanneganti
  • Patent number: 9922374
    Abstract: Methods and systems for displaying a user interface that warns a driver that a vehicle is located within or is near a geographical area (and/or intersection) associated with a higher than average risk of animal-vehicle and/or vehicle-vehicle collisions are provided. According to certain aspects, an electronic device may access a database that identifies a plurality of high risk areas, including areas associated with prior vehicle accidents. The electronic device may display a virtual road map, as well as an icon indicating the vehicle's current location and a plurality of visual indications of high-risk areas. When the electronic device detects that the current location of the vehicle is within and/or approaching a high-risk area, the electronic device may then warn the driver about the higher than average risk of experiencing a vehicle collision.
    Type: Grant
    Filed: March 7, 2017
    Date of Patent: March 20, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew E. Vose, Michael Bernico, Milton Mowery, Tim G. Sanidas, Christopher Zimmer
  • Patent number: 9656606
    Abstract: Methods and systems for displaying a user interface that warns a driver that a vehicle is located within or is near a geographical area (and/or intersection) associated with a higher than average risk of animal-vehicle and/or vehicle-vehicle collisions are provided. According to certain aspects, an electronic device may access a database that identifies a plurality of high risk areas, including areas associated with prior vehicle accidents. The electronic device may display a virtual road map, as well as an icon indicating the vehicle's current location and a plurality of visual indications of high-risk areas. When the electronic device detects that the current location of the vehicle is within and/or approaching a high-risk area, the electronic device may then warn the driver about the higher than average risk of experiencing a vehicle collision.
    Type: Grant
    Filed: May 1, 2015
    Date of Patent: May 23, 2017
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew E. Vose, Michael Bernico, Milton Mowery, Tim G. Sanidas, Christopher Zimmer
  • Patent number: 9612897
    Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for detecting system outages using application event logs. Various aspects may include obtaining several application event logs where the status of the system is known at the time the application event logs were recorded. Additionally, various aspects may include determining characteristics of application event logs which were recorded during a system outage, and/or determining characteristics of application event logs which were recorded while the system was available. Based upon the characteristics, various aspects include training using various machine learning techniques. When current application event logs are obtained where the status of the system is unknown at the time the current application event logs are recorded, various aspects include using the training data to determine a likelihood that a system outage has occurred based upon the obtained current application event logs.
    Type: Grant
    Filed: October 16, 2015
    Date of Patent: April 4, 2017
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Michael Bernico, Brian Alexander, Abigail A. Scott, Andrew J. Rader