Patents by Inventor Philip Peter Ramirez
Philip Peter Ramirez 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: 12086885Abstract: A computer-assisted method for determining, such as by a computing device, a success rate for a presentation page included in a plurality of insurance presentations is described herein. Based on the success rate for the presentation page, a display of a recommendation for an insurance agent to include the presentation page in an insurance presentation for a customer may be generated. The insurance agent may select an option to include the presentation in the insurance presentation, and the selection may be received at a computing device. The insurance presentation may then be generated to include the presentation page.Type: GrantFiled: August 16, 2021Date of Patent: September 10, 2024Assignee: Allstate Insurance CompanyInventors: Wayne J. Kullman, Jennifer A. Brandmaier, Alinawaz Ismaili, William Loo, Philip Peter Ramirez, Grace Song, Alfasha Zulkifli
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Patent number: 12079851Abstract: Aspects of the disclosure relate to computing platforms that utilize improved mitigation analysis and policy management techniques to improve onboarding security. A computing platform may determine that a predetermined period of time has elapsed since finalizing an onboarding process. The computing platform may receive spot-check verification inputs indicative of a user identity and may direct a mitigation analysis and output generation platform to analyze the spot-check verification inputs. The computing platform may receive an indication of a correlation between the spot-check verification inputs and expected spot-check verification inputs. In response to determining that the correlation exceeds a predetermined threshold, the computing platform may determine that an additional verification test should be conducted, and may direct a mobile or other computing device to display an interface that prompts for additional onboarding verification inputs.Type: GrantFiled: October 29, 2019Date of Patent: September 3, 2024Assignee: ALLSTATE INSURANCE COMPANYInventors: Surender Kumar, Philip Peter Ramirez, Howard Hayes, Matthew Olenak, Avani Patel, Araba Appiagyei-Dankah, John Rugel
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Patent number: 12020327Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: GrantFiled: November 12, 2021Date of Patent: June 25, 2024Assignee: Allstate Insurance CompanyInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez, Alinawaz Ismaili, Brennan Gee, Francis Lowry, Theresa A. Owens
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Patent number: 12002103Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to collect vehicle driving data and infrastructure data in response to a collision. Vehicle driving data may be received from a first vehicle involved in the collision and a second vehicle involved in the collision. Vehicle driving data may be received for vehicles within a defined radius of the first vehicle and/or the second vehicle. Infrastructure data from infrastructure elements within a defined vicinity of the first vehicle and/or the second vehicle may be received. The received data may be used to initiate an insurance claim, assess fault for the collision, and detect fraudulent claims.Type: GrantFiled: March 18, 2022Date of Patent: June 4, 2024Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Martin Higgins, William Loo, Christopher G Plachta, Philip Peter Ramirez
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Publication number: 20240157828Abstract: Implementations claimed and described herein provide systems and methods for generating instructions for a mobile electric vehicle (EV) charging station to meet an EV at a particular time and place. In one implementation, EV trip data including a remaining range of the EV and an intended route of the EV is collected to determine a range of locations that the EV can stop at along its route without running out of power. Instructions to one of the locations are generated for a mobile EV charging station that is a best fit for arriving at the particular location and for the EV to reach the same location.Type: ApplicationFiled: November 14, 2022Publication date: May 16, 2024Inventor: Philip Peter Ramirez
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Patent number: 11861724Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: GrantFiled: November 24, 2021Date of Patent: January 2, 2024Assignee: Allstate Insurance CompanyInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez
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Patent number: 11854089Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: GrantFiled: November 12, 2021Date of Patent: December 26, 2023Assignee: Allstate Insurance CompanyInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez
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Patent number: 11847667Abstract: Methods, computer-readable media, systems, and apparatuses for determining a safest road segment for traveling between two locations are provided. In some cases, a road segment safety rating may be determined for a plurality of road segments between the two locations based on historical data associated with the road segments and/or based on driving behavior data of an operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle may be compared to the safest route. If the actual route of travel is different from the determined safest route, the operator may be notified that an award may be earned when the determined safest route is traveled. If the actual route of travel is determined to be safer than the determined safest route, an award may be earned.Type: GrantFiled: June 23, 2021Date of Patent: December 19, 2023Assignee: Allstate Insurance CompanyInventors: Philip Peter Ramirez, Derek Otten, Dana Ferguson, Julie A. Jordan Peters, Regina Madigan, Thomas McKenna
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Publication number: 20230368587Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to analyze driving data, determine driving behaviors, and determine whether a collision is imminent or has occurred using vehicle-to-vehicle (V2V) communications. Determination of whether a collision has occurred may be based on X-axis, Y-axis, and Z-axis positional data from two vehicles. Driving data from multiple vehicles may be collected by vehicle sensors or other vehicle-based systems, transmitted using V2V communications, and then analyzed and compared to determine various driving behaviors by the drivers of the vehicles.Type: ApplicationFiled: May 19, 2023Publication date: November 16, 2023Applicant: Allstate Insurance CompanyInventors: Jennifer Brandmaier, Martin Higgins, William Loo, Christopher G. Plachta, Philip Peter Ramirez
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Patent number: 11808604Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze movement data, and determine driving trips associated driving data based on the received movement data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and the like. One or more driving trips may be identified based on the movement data collected by the mobile devices, including acceleration data, speed data, and rotation rate data. After identifying a driving trip, the previously collected movement data and/or additional driving data may be analyzed to determine additional driving trip data, such as the driver, vehicle, and/or additional driving factors.Type: GrantFiled: May 5, 2022Date of Patent: November 7, 2023Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Jeffrey Fitzgerald, Eric Huls, Joseph Kleinhenz, William Loo, Matthew James Manzella, Philip Peter Ramirez
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Publication number: 20230306457Abstract: Methods, computer-readable media, systems, and apparatuses for determining a safest road segment for traveling between two locations are provided. In some cases, a road segment safety rating may be determined for a plurality of road segments between the two locations based on historical data associated with the road segments and/or based on driving behavior data of an operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle may be compared to the safest route. If the actual route of travel is different from the determined safest route, the operator may be notified that an award may be earned when the determined safest route is traveled. If the actual route of travel is determined to be safer than the determined safest route, an award may be earned.Type: ApplicationFiled: June 23, 2021Publication date: September 28, 2023Inventors: Philip Peter Ramirez, Derek Otten, Dana Ferguson, Julie A. Jordan Peters, Regina Madigan, Thomas McKenna
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Patent number: 11721340Abstract: A personal information assistant computing system may include a user computing device having a processor and a non-transitory memory device storing instructions. The personal information assistant may receive a user accessible input as a natural language communication from the user, which may be analyzed by a personal information assistant to determine a task to be performed by the virtual information assistant. The personal information assistant may be personalized to the user using encrypted user information. The personal information assistant communicates with a remote computing system in performance of a computer-assisted task, wherein the first personal information assistant interacts as a proxy for the user in response to at least one response received from the remote computing system. The personal information assistant may communicate the results of the task to the user via a user information screen and/or an audio device.Type: GrantFiled: October 20, 2020Date of Patent: August 8, 2023Assignee: Allstate Insurance CompanyInventors: Tao Chen, Philip Peter Ramirez, Manjunath Rao
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Patent number: 11715161Abstract: An automated safety notification system is proposed herein in which one or more safe zone access points may be physically deployed to one or more safe zones associated with a disaster area. If a person with a mobile phone or other mobile device enters the safe zone, the safe zone access point may detect the presence of the mobile device and perform certain functions in response to the detection. For example, the safe zone access point may initiate contact of a predetermined plurality of contacts that the person may have already designated before the disaster. The safe zone access point may also be used to initiate an insurance claim.Type: GrantFiled: December 4, 2020Date of Patent: August 1, 2023Assignee: Allstate Insurance CompanyInventors: David R. Sander, Philip Peter Ramirez, William Loo
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Patent number: 11694487Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to analyze driving data, determine driving behaviors, and determine whether a collision is imminent or has occurred using vehicle-to-vehicle (V2V) communications. Determination of whether a collision has occurred may be based on X-axis, Y-axis, and Z-axis positional data from two vehicles. Driving data from multiple vehicles may be collected by vehicle sensors or other vehicle-based systems, transmitted using V2V communications, and then analyzed and compared to determine various driving behaviors by the drivers of the vehicles.Type: GrantFiled: August 16, 2021Date of Patent: July 4, 2023Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Martin Higgins, William Loo, Christopher G. Plachta, Philip Peter Ramirez
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Patent number: 11625791Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.Type: GrantFiled: December 14, 2020Date of Patent: April 11, 2023Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Philip Peter Ramirez, Kurt M. Stricker, Joshua E. Campbell
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Publication number: 20220284514Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to collect vehicle driving data and infrastructure data in response to a collision. Vehicle driving data may be received from a first vehicle involved in the collision and a second vehicle involved in the collision. Vehicle driving data may be received for vehicles within a defined radius of the first vehicle and/or the second vehicle. Infrastructure data from infrastructure elements within a defined vicinity of the first vehicle and/or the second vehicle may be received. The received data may be used to initiate an insurance claim, assess fault for the collision, and detect fraudulent claims.Type: ApplicationFiled: March 18, 2022Publication date: September 8, 2022Applicant: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Martin Higgins, William Loo, Christopher G. Plachta, Philip Peter Ramirez
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Publication number: 20220260388Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze movement data, and determine driving trips associated driving data based on the received movement data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and the like. One or more driving trips may be identified based on the movement data collected by the mobile devices, including acceleration data, speed data, and rotation rate data. After identifying a driving trip, the previously collected movement data and/or additional driving data may be analyzed to determine additional driving trip data, such as the driver, vehicle, and/or additional driving factors.Type: ApplicationFiled: May 5, 2022Publication date: August 18, 2022Applicant: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Jeffrey Fitzgerald, Eric Huls, Joseph Kleinhenz, William Loo, Matthew James Manzella, Philip Peter Ramirez
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Patent number: 11361385Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.Type: GrantFiled: January 21, 2020Date of Patent: June 14, 2022Assignee: ALLSTATE INSURANCE COMPANYInventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Philip Peter Ramirez, Kurt M. Stricker
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Patent number: 11353335Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze movement data, and determine driving trips associated driving data based on the received movement data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and the like. One or more driving trips may be identified based on the movement data collected by the mobile devices, including acceleration data, speed data, and rotation rate data. After identifying a driving trip, the previously collected movement data and/or additional driving data may be analyzed to determine additional driving trip data, such as the driver, vehicle, and/or additional driving factors.Type: GrantFiled: August 7, 2020Date of Patent: June 7, 2022Assignee: Allstate Insurance CompanyInventors: Jennifer A. Brandmaier, Jeffrey Fitzgerald, Eric D. Huls, Joseph Kleinhenz, William Loo, Matthew James Manzella, Philip Peter Ramirez
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Patent number: 11348170Abstract: Systems and methods in accordance with arrangements described herein can include identifying a variety of accounts associated with a user and determining a set of actions that can be taken with respect to the accounts. For instance, upon death of a user, a predetermined set of actions can be executed to transfer one or more assets as defined in a digital will. The accounts can be identified by scanning one or more accounts associated with the user. The accounts associated with the user and/or the account actions for the accounts can be automatically maintained over time. On an account transfer event, each of the accounts can be automatically transferred and/or closed in accordance with the determined account actions. In many embodiments, a password manager is maintained to facilitate the review of accounts and the performance of the appropriate actions on the occurrence of a transfer event.Type: GrantFiled: March 26, 2019Date of Patent: May 31, 2022Assignee: Allstate Insurance CompanyInventors: Philip Peter Ramirez, Kevin Mitchell, Christopher Liow, Daniel Turcza