Patents by Inventor Steven J. Fernandes
Steven J. Fernandes 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: 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
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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
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Patent number: 10628888Abstract: According to some embodiments, a first insured party may be automatically associated with first virtual home information including real world elements of a virtual home. The first virtual home information may also be automatically associated with first insurance policy information of the first insured party. A virtual home display request may be received from a remote insured party device associated with the first insured party. Responsive to the received virtual home display request, a rendering of at least a portion of the virtual home may be automatically facilitated based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information. A selection of one of the real world elements may be received from the remote insured party device, and, responsive to the selected real world element, supplemental insurance information may be transmitted to the remote insured party device.Type: GrantFiled: July 31, 2015Date of Patent: April 21, 2020Assignee: Hartford Fire Insurance CompanyInventors: Julia M. Feldman, Steven J. Fernandes, Susan D. Pouliot
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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
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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
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Patent number: 10380699Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.Type: GrantFiled: June 5, 2017Date of Patent: August 13, 2019Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Steven J. Fernandes, Steven R. Feero
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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
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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
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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
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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
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Publication number: 20170270615Abstract: A system and method are disclosed herein to receive preliminary telematics data collected by a smartphone and actual telematics data collected by a data collection device. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores the data indicative of preliminary telematics data collected by the smartphone, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to calculate an initial benefit based upon the preliminary telematics data, and apply the initial benefit in exchange for receiving the data indicative of actual telematics data via the data collection device within the vehicle. When the received data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final benefit based on the actual telematics data.Type: ApplicationFiled: June 1, 2017Publication date: September 21, 2017Inventors: Steven J. Fernandes, Steven R. Feero
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Publication number: 20170270617Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.Type: ApplicationFiled: June 5, 2017Publication date: September 21, 2017Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Steven J. Fernandes, Steven R. Feero
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Patent number: 9672571Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.Type: GrantFiled: August 17, 2015Date of Patent: June 6, 2017Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Steven J. Fernandes, Steven R. Feero
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Patent number: 9672569Abstract: A system and method are disclosed herein to receive preliminary telematics data collected by a smartphone and actual telematics data collected by a data collection device. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores the data indicative of preliminary telematics data collected by the smartphone, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to calculate an initial benefit based upon the preliminary telematics data, and apply the initial benefit in exchange for receiving the data indicative of actual telematics data via the data collection device within the vehicle. When the received data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final benefit based on the actual telematics data.Type: GrantFiled: May 18, 2015Date of Patent: June 6, 2017Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Steven J. Fernandes, Steven R. Feero
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Publication number: 20170032466Abstract: According to some embodiments, a first insured party may be automatically associated with first virtual home information including real world elements of a virtual home. The first virtual home information may also be automatically associated with first insurance policy information of the first insured party. A virtual home display request may be received from a remote insured party device associated with the first insured party. Responsive to the received virtual home display request, a rendering of at least a portion of the virtual home may be automatically facilitated based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information. A selection of one of the real world elements may be received from the remote insured party device, and, responsive to the selected real world element, supplemental insurance information may be transmitted to the remote insured party device.Type: ApplicationFiled: July 31, 2015Publication date: February 2, 2017Inventors: Julia M. Feldman, Steven J. Fernandes, Susan D. Pouliot
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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
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Publication number: 20160117777Abstract: A cash value feature is associated with a property and/or casualty insurance policy. Information is received about an insurance claim associated with the insurance policy. It is determined whether the insurance claim is covered by the cash value feature. The currently funded monetary value of the cash value feature is also determined The amount payable to the policy holder attributable to the cash value feature is also determined A payment of that amount to the policy holder is facilitated.Type: ApplicationFiled: October 27, 2014Publication date: April 28, 2016Inventors: Sandra E. Belcourt, Julia M. Feldman, Steven J. Fernandes, Marc J. Natrillo
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Publication number: 20150363886Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.Type: ApplicationFiled: August 17, 2015Publication date: December 17, 2015Inventors: Steven J. Fernandes, Steven R. Feero
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Publication number: 20150248731Abstract: A system and method are disclosed herein to receive preliminary telematics data collected by a smartphone and actual telematics data collected by a data collection device. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores the data indicative of preliminary telematics data collected by the smartphone, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to calculate an initial benefit based upon the preliminary telematics data, and apply the initial benefit in exchange for receiving the data indicative of actual telematics data via the data collection device within the vehicle. When the received data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final benefit based on the actual telematics data.Type: ApplicationFiled: May 18, 2015Publication date: September 3, 2015Inventors: Steven J. Fernandes, Steven R. Feero
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Patent number: 9111316Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.Type: GrantFiled: May 19, 2014Date of Patent: August 18, 2015Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Steven J. Fernandes, Steven R. Feero