Patents by Inventor Ralph Adam Benjamin Tyner
Ralph Adam Benjamin Tyner 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: 20240046366Abstract: Aspects of the disclosure generally relate to monitoring and/or sensing of one or more home devices from one or more homes. In particular, various aspects described herein relate to receiving data from one or more sensors associated with one or more home devices from one or more homes and using the data to determine insurance rates or premiums, discounts, incentives, and the like. Further, aspects of the disclosure relate to computer hardware and software. In particular, one or more aspects of the disclosure relate to the connected home or smart home market (i.e. connected devices and systems within or related to the home) which is rapidly evolving and growing.Type: ApplicationFiled: August 23, 2023Publication date: February 8, 2024Inventors: Floyd M. Yager, Orlando E. Mercado, Ralph Adam Benjamin Tyner, Jennifer L. Snyder, Laurie Pellouchoud, Peggy Klingel, Trent Bohacz, John Bradley Moats
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Patent number: 11783423Abstract: Aspects of the disclosure generally relate to monitoring and/or sensing of one or more home devices from one or more homes. In particular, various aspects described herein relate to receiving data from one or more sensors associated with one or more home devices from one or more homes and using the data to determine insurance rates or premiums, discounts, incentives, and the like. Further, aspects of the disclosure relate to computer hardware and software. In particular, one or more aspects of the disclosure relate to the connected home or smart home market (i.e. connected devices and systems within or related to the home) which is rapidly evolving and growing.Type: GrantFiled: December 16, 2019Date of Patent: October 10, 2023Assignee: Allstate Insurance CompanyInventors: Floyd M. Yager, Orlando E. Mercado, Ralph Adam Benjamin Tyner, Jennifer L. Snyder, Laurie Pellouchoud, Peggy Klingel, Trent Bohacz, John Bradley Moats
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Publication number: 20230316413Abstract: Methods, computer-readable media, software, and apparatuses may determine, for a geographic region and based on geolocation data, a plurality of sub-regions, where each sub-region of the plurality of sub-regions may include real properties with a shared profile. The system may associate, with each sub-region, a collection of coordinate pairs, where each coordinate pair comprises a latitude and a longitude, and the collection describes a boundary of a geometric shape corresponding to the sub-region. The system may associate, with the geographic region, geometric shapes corresponding to the plurality of sub-regions. The system may associate, with each geometric shape, a rating factor for the real properties located within the sub-region corresponding to the geometric shape. The system may store the geometric shapes and rating factors, and may generate, based on the rating factor and for the real properties located within the sub-region, an output, and provide the generated output.Type: ApplicationFiled: June 7, 2023Publication date: October 5, 2023Inventors: Ralph Adam Benjamin Tyner, Jonathan Fesenmeyer, Lauren Ugulini, John Lower, Analini Shetty, Darius Tallat-Kelpsa, David Robert McNulty, Michelle Ann Wagner
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Patent number: 11710186Abstract: Methods, computer-readable media, software, and apparatuses may determine, for a geographic region and based on geolocation data, a plurality of sub-regions, where each sub-region of the plurality of sub-regions may include real properties with a shared profile. The system may associate, with each sub-region, a collection of coordinate pairs, where each coordinate pair comprises a latitude and a longitude, and the collection describes a boundary of a geometric shape corresponding to the sub-region. The system may associate, with the geographic region, geometric shapes corresponding to the plurality of sub-regions. The system may associate, with each geometric shape, a rating factor for the real properties located within the sub-region corresponding to the geometric shape. The system may store the geometric shapes and rating factors, and may generate, based on the rating factor and for the real properties located within the sub-region, an output, and provide the generated output.Type: GrantFiled: April 24, 2020Date of Patent: July 25, 2023Assignee: Allstate Insurance CompanyInventors: Ralph Adam Benjamin Tyner, Jonathan Fesenmeyer, Lauren Ugulini, John Lower, Analini Shetty, Darius Tallat-Kelpsa, David Robert McNulty, Michelle Ann Wagner
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Publication number: 20230186388Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing dynamic usage-based insurance policies are presented. A cost per day and a cost per mile associated with the dynamic usage-based insurance policy may be determined. The cost per mile may be computed independently for each of a plurality of road segments comprising a trip based on a time of day that the vehicle traveled each road segment, a road type associated with each road segment. The cost per mile of each road segment of the driving trip may further include whether or not hard braking or hard cornering events were encountered during a specified cumulative driving distance that may include, at least a portion, of a plurality of driving trips. The cost per mile for each of the plurality of driving trips may be adjusted once a threshold distance has been traveled by the vehicle based on the number of hard braking events and hard cornering events occurred during that distance.Type: ApplicationFiled: October 20, 2022Publication date: June 15, 2023Inventors: Christine L. Bischoff, Dana Ferguson, Eric D. Huls, Grady Irey, William Polisson, Caryl M. Styrsky, Ralph Adam Benjamin Tyner, Meg G. Walters
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Patent number: 11521268Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing dynamic usage-based insurance policies are presented. A cost per day and a cost per mile associated with the dynamic usage-based insurance policy may be determined. The cost per mile may be computed independently for each of a plurality of road segments comprising a trip based on a time of day that the vehicle traveled each road segment, a road type associated with each road segment. The cost per mile of each road segment of the driving trip may further include whether or not hard braking or hard cornering events were encountered during a specified cumulative driving distance that may include, at least a portion, of a plurality of driving trips. The cost per mile for each of the plurality of driving trips may be adjusted once a threshold distance has been traveled by the vehicle based on the number of hard braking events and hard cornering events occurred during that distance.Type: GrantFiled: June 29, 2021Date of Patent: December 6, 2022Assignee: Allstate Insurance CompanyInventors: Christine L. Bischoff, Dana Ferguson, Eric Huls, Grady Irey, William Polisson, Caryl M. Styrsky, Ralph Adam Benjamin Tyner, Meg G. Walters
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Publication number: 20210334905Abstract: Methods, computer-readable media, software, and apparatuses may determine, for a geographic region and based on geolocation data, a plurality of sub-regions, where each sub-region of the plurality of sub-regions may include real properties with a shared profile. The system may associate, with each sub-region, a collection of coordinate pairs, where each coordinate pair comprises a latitude and a longitude, and the collection describes a boundary of a geometric shape corresponding to the sub-region. The system may associate, with the geographic region, geometric shapes corresponding to the plurality of sub-regions. The system may associate, with each geometric shape, a rating factor for the real properties located within the sub-region corresponding to the geometric shape. The system may store the geometric shapes and rating factors, and may generate, based on the rating factor and for the real properties located within the sub-region, an output, and provide the generated output.Type: ApplicationFiled: April 24, 2020Publication date: October 28, 2021Applicants: Allstate Insurance Company, Allstate Insurance CompanyInventors: Ralph Adam Benjamin Tyner, Jonathan Fesenmeyer, Lauren Ugulini, John Lower, Analini Shetty, Darius Tallat-Kelpsa, David Robert McNulty, Michelle Ann Wagner
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Patent number: 11068985Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing dynamic usage-based insurance policies are presented. A cost per day and a cost per mile associated with the dynamic usage-based insurance policy may be determined. The cost per mile may be computed independently for each of a plurality of road segments comprising a trip based on a time of day that the vehicle traveled each road segment, a road type associated with each road segment. The cost per mile of each road segment of the driving trip may further include whether or not hard braking or hard cornering events were encountered during a specified cumulative driving distance that may include, at least a portion, of a plurality of driving trips. The cost per mile for each of the plurality of driving trips may be adjusted once a threshold distance has been traveled by the vehicle based on the number of hard braking events and hard cornering events occurred during that distance.Type: GrantFiled: July 16, 2019Date of Patent: July 20, 2021Assignee: Allstate Insurance CompanyInventors: Christine L. Bischoff, Dana Ferguson, Eric Huls, Grady Irey, William Polisson, Caryl M. Styrsky, Ralph Adam Benjamin Tyner, Meg G. Walters
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Patent number: 10430883Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing dynamic usage-based insurance policies are presented. A cost per day and a cost per mile associated with the dynamic usage-based insurance policy may be determined. The cost per mile may be computed independently for each of a plurality of road segments comprising a trip based on a time of day that the vehicle traveled each road segment, a road type associated with each road segment. The cost per mile of each road segment of the driving trip may further include whether or not hard braking or hard cornering events were encountered during a specified cumulative driving distance that may include, at least a portion, of a plurality of driving trips. The cost per mile for each of the plurality of driving trips may be adjusted once a threshold distance has been traveled by the vehicle based on the number of hard braking events and hard cornering events occurred during that distance.Type: GrantFiled: February 13, 2017Date of Patent: October 1, 2019Assignee: Allstate Insurance CompanyInventors: Christine L. Bischoff, Dana Ferguson, Eric D. Huls, Grady Irey, William Polisson, Caryl M. Styrsky, Ralph Adam Benjamin Tyner, Meg G. Walters