Patents by Inventor Sunish Menon
Sunish Menon 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: 20240005411Abstract: Provided herein is a modeling computing device including a processor in communication with a memory device. The processor is configured to: (i) retrieve, from the at least one memory device, historical data associated with a plurality of users, wherein the historical data includes historical liability amount data and historical user data, and wherein the historical user data includes at least one of historical personal information, historical vehicle telematics data, and historical environmental data, (ii) generate a model that relates the historical liability amount data and the historical user data, (iii) store the model in the at least one memory device, (iv) collect current user data associated with a candidate user, wherein the current user data includes current personal information, current vehicle telematics data, and current environmental data, and (v) analyze the collected current user data using the generated model.Type: ApplicationFiled: September 13, 2023Publication date: January 4, 2024Inventors: Sunish Menon, Weixin Wu, Bernardo Bracero, Jeffrey Wilson Stoiber, Stan E. Gozur, Jeremy Shawn Fogg, Phillip Sangpil Moon
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Patent number: 11790458Abstract: Provided herein is a modeling computing device including a processor in communication with a memory device. The processor is configured to: (i) retrieve, from the at least one memory device, historical data associated with a plurality of users, wherein the historical data includes historical liability amount data and historical user data, and wherein the historical user data includes at least one of historical personal information, historical vehicle telematics data, and historical environmental data, (ii) generate a model that relates the historical liability amount data and the historical user data, (iii) store the model in the at least one memory device, (iv) collect current user data associated with a candidate user, wherein the current user data includes current personal information, current vehicle telematics data, and current environmental data, and (v) analyze the collected current user data using the generated model.Type: GrantFiled: April 22, 2021Date of Patent: October 17, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Sunish Menon, Weixin Wu, Bernardo Bracero, Jeffrey Wilson Stoiber, Stan E. Gozur, Jeremy Shawn Fogg, Phillip Sangpil Moon
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Patent number: 11348436Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: June 26, 2020Date of Patent: May 31, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Patent number: 11348437Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: October 8, 2020Date of Patent: May 31, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Patent number: 11270568Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: October 21, 2020Date of Patent: March 8, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Patent number: 11049189Abstract: A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.Type: GrantFiled: June 16, 2020Date of Patent: June 29, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Rajiv Shah, Michael S. Jacob, Sripriya Sundararaman, Jeffrey D. Hevrin, Jeffrey G. Kinsey, Phillip Sangpil Moon, EllaKate LeFebre, Sunish Menon, Jeffrey W. Stoiber, James Dykeman, Erin Olander, Lucas Allen
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Patent number: 11017480Abstract: A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.Type: GrantFiled: June 19, 2020Date of Patent: May 25, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Rajiv Shah, Michael S. Jacob, Sripriya Sundararaman, Jeffrey D. Hevrin, Jeffrey G. Kinsey, Phillip Sangpil Moon, Ellakate LeFebre, Sunish Menon, Jeffrey W. Stoiber, James Dykeman, Erin Olander, Lucas Allen
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Patent number: 10922948Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: December 17, 2019Date of Patent: February 16, 2021Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Publication number: 20210035432Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: ApplicationFiled: October 21, 2020Publication date: February 4, 2021Inventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Patent number: 10825321Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: December 12, 2019Date of Patent: November 3, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Patent number: 10825320Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: April 4, 2019Date of Patent: November 3, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Publication number: 20200327791Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: ApplicationFiled: June 26, 2020Publication date: October 15, 2020Inventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Publication number: 20200320639Abstract: A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.Type: ApplicationFiled: June 19, 2020Publication date: October 8, 2020Inventors: Rajiv Shah, Michael S. Jacob, Sripriya Sundararaman, Jeffrey D. Hervin, Jeffrey G. Kinsey, Phillip Sangpil Moon, Ellakate LeFebre, Sunish Menon, Jeffrey W. Stoiber, James Dykeman, Erin Olander, Lucas Allen
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Patent number: 10733868Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: October 11, 2019Date of Patent: August 4, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Phillip Sangpil Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey Wilson Stoiber
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Patent number: 10726494Abstract: A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.Type: GrantFiled: January 11, 2017Date of Patent: July 28, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Rajiv Shah, Michael Shawn Jacob, Sripriya Sundararaman, Jeffrey David Hevrin, Jeffrey Kinsey, Phillip Sangpil Moon, EllaKate LeFebre, Sunish Menon, Jeffrey Wilson Stoiber, James Nolan Dykeman, Erin Ann Olander, Lucas Allen
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Patent number: 10726500Abstract: A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.Type: GrantFiled: June 26, 2019Date of Patent: July 28, 2020Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Rajiv Shah, Michael S. Jacob, Sripriya Sundararaman, Jeffrey D. Hevrin, Jeffrey G. Kinsey, Phillip Sangpil Moon, Ellakate LeFebre, Sunish Menon, Jeffrey W. Stoiber, James Dykeman, Erin Olander, Lucas Allen
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Publication number: 20200175835Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: ApplicationFiled: December 12, 2019Publication date: June 4, 2020Inventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Publication number: 20200043316Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: ApplicationFiled: October 11, 2019Publication date: February 6, 2020Inventors: Phillip Sangpil Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey Wilson Stoiber
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Patent number: 10547918Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: February 4, 2019Date of Patent: January 28, 2020Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
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Patent number: 10546478Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.Type: GrantFiled: April 26, 2019Date of Patent: January 28, 2020Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber