Patents by Inventor Paul Brendan Olson
Paul Brendan Olson 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: 10803529Abstract: A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.Type: GrantFiled: November 20, 2018Date of Patent: October 13, 2020Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Patent number: 10787122Abstract: A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal.Type: GrantFiled: August 30, 2019Date of Patent: September 29, 2020Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Patent number: 10600124Abstract: An enterprise platform may receive information about a potential customer, the enterprise platform including an internal business Motor Vehicle Record (“MVR”) model. A vendor hub service may be in communication with a plurality of third party vendor platforms, at least one including a third party MVR model. The enterprise platform may apply business rules and logic to determine that: (i) the internal business MVR model will decide if an MVR will be purchased from an appropriate department of motor vehicles, (ii) the third party MVR model will decide if an MVR will be purchased, or (iii) a hybrid application of the models will decide if an MVR will be purchased. An MVR report ordering platform may transmit an MVR report request to a service in accordance with the enterprise platform business rules and logic decision and applicable model results.Type: GrantFiled: September 24, 2015Date of Patent: March 24, 2020Assignee: Hartford Fire Insurance CompanyInventors: Stephen J Donahue, Tammy D Hamilton, Paul Brendan Olson
-
Publication number: 20190389378Abstract: A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal.Type: ApplicationFiled: August 30, 2019Publication date: December 26, 2019Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Patent number: 10399493Abstract: A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal.Type: GrantFiled: July 16, 2018Date of Patent: September 3, 2019Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20190087911Abstract: A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.Type: ApplicationFiled: November 20, 2018Publication date: March 21, 2019Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20180339653Abstract: A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal.Type: ApplicationFiled: July 16, 2018Publication date: November 29, 2018Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Patent number: 10134091Abstract: A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.Type: GrantFiled: December 31, 2013Date of Patent: November 20, 2018Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Patent number: 10023114Abstract: A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal.Type: GrantFiled: June 13, 2016Date of Patent: July 17, 2018Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20170091866Abstract: An enterprise platform may receive information about a potential customer, the enterprise platform including an internal business Motor Vehicle Record (“MVR”) model. A vendor hub service may be in communication with a plurality of third party vendor platforms, at least one including a third party MVR model. The enterprise platform may apply business rules and logic to determine that: (i) the internal business MVR model will decide if an MVR will be purchased from an appropriate department of motor vehicles, (ii) the third party MVR model will decide if an MVR will be purchased, or (iii) a hybrid application of the models will decide if an MVR will be purchased. An MVR report ordering platform may transmit an MVR report request to a service in accordance with the enterprise platform business rules and logic decision and applicable model results.Type: ApplicationFiled: September 24, 2015Publication date: March 30, 2017Inventors: Stephen J. Donahue, Tammy D. Hamilton, Paul Brendan Olson
-
Publication number: 20170021764Abstract: A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal.Type: ApplicationFiled: June 13, 2016Publication date: January 26, 2017Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20150187013Abstract: A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.Type: ApplicationFiled: December 31, 2013Publication date: July 2, 2015Applicant: Hartford Fire Insurance CompanyInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20150187014Abstract: A system for determining insurance pricing information based on telematics data, the system comprising, a processor configured to generate a driver proxy score (DPS) based on a combination of rating variables in a conventional class plan; the processor, configured to receive information associated with telematics data received from a telematics device, wherein the telematics data includes a plurality of risk factors; the processor further configured to determine a driver telematics score (DTS) based on the information associated with the telematics data; the processor further configured to generate an expectation based rating, based on the DPS and the DTS, which measures a variance of the telematics data from the expected value; the processor further configured to update pricing information based on the determined expectation based rating; and a transmitter configured to transmit the updated pricing information to a user device.Type: ApplicationFiled: December 31, 2013Publication date: July 2, 2015Applicant: Hartford Fire Insurance CompanyInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20150187019Abstract: A system configured to determine an insurance premium associated with an account that covers a vehicle including an autonomous feature and a driver comprising a computer memory that stores biographical information including information regarding the autonomous feature; a processor that receives information associated with telematics data associated with the vehicle, concerning use of the vehicle and the autonomous feature; the processor further configured to determine discrete segments of use by the vehicle, and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the one of the discrete segments of use; the processor further configured to calculate pricing information based on the risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device.Type: ApplicationFiled: October 20, 2014Publication date: July 2, 2015Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Steven J. Fernandes, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20150187016Abstract: A system for determining insurance pricing information comprising a computer memory for storing biographical information, including an expected total mileage driven by a vehicle and an initial risk assessment based on at least the expected total mileage driven; the processor further configured to determine, based on telematics data, a plurality of relativity factors, wherein relativity factors are numerical values generated based on a comparison of the information associated with the received telematics data with other drivers; the processor configured to calculate the product of the plurality of relativity factors with a starting discount and compare the product with a predetermined threshold; the processor further configured to adjust insurance pricing information based on the comparison of the product of the relativity factors with the predetermined threshold.Type: ApplicationFiled: December 31, 2013Publication date: July 2, 2015Applicant: Hartford Fire Insurance CompanyInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
-
Publication number: 20150187015Abstract: A system for determining risk associated with a driver, the system comprising a receiver, configured to receive information associated with telematics data; a processor further configured to determine, based at least in part on the telematics data, that a vehicle has reached a destination, a length of time spent at the destination and a times of day during which the vehicle is at the destination; the processor configured to determine a direct exposure rating based on at least the determined destination, the length of time spent at the destination, and the times of day during which the vehicle is at the location; the processor further configured to adjust an insurance pricing information based on the direct exposure rating; and a transmitter configured to transmit the adjusted pricing information to a user device.Type: ApplicationFiled: December 31, 2013Publication date: July 2, 2015Applicant: Hartford Fire Insurance CompanyInventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash