Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Patents (Class 705/4)
  • Patent number: 11367142
    Abstract: Methods and systems are provided for clustering data for use in training models to predict a loss metric for insurance. The historical data is cleaned and aggregated to a quarterly time granularity and a zip code geographic granularity, and features on which to generate the clusters are selected. Clusters are generated using one or more clustering algorithms, evaluated, and the best set of clusters is selected. Clusters may be grouped together based on cluster characteristics. Each cluster or group of clusters is used to train a development model and a forecast model for the loss metric. The accuracy of the development and forecast models is evaluated, and the clustering process is repeated until the accuracy and stability of the development and forecast models is sufficient. At each iteration, historical data may be removed and/or hyperparameters of the clustering algorithms may be adjusted.
    Type: Grant
    Filed: December 31, 2019
    Date of Patent: June 21, 2022
    Assignee: DatalnfoCom USA, Inc.
    Inventors: Wensu Wang, Chun Wang, Ji Zang, Kuikui Gao, Wanli Cheng
  • Patent number: 11368491
    Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.
    Type: Grant
    Filed: March 18, 2020
    Date of Patent: June 21, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Vijay Jayapalan, Michael Kyne, Joel T. Camarano, Charles Lee Oakes, III, Gunjan Vijayvergia, Christine Marie Brown
  • Patent number: 11367146
    Abstract: A method, system, and non-transitory computer-readable medium for facilitating insurance policy application processing over a communications network includes a processor configured for accepting input data from a customer, accepting further data from the insurance agent, creating a first data structure, encoding changes to the first data structure based on the input data and the further data, and populating the first data structure, generating ancillary documents and transmitting to the customer, creating a second data structure encoding changes to the second data structure based on the first data structure, and populating the second data structure, and transmitting, the second data structure to a third party to initiate transmission of a health questionnaire to the customer. The system further includes a first memory for storing the first data structure and a second memory for storing the second data structure.
    Type: Grant
    Filed: July 13, 2021
    Date of Patent: June 21, 2022
    Assignee: Yeroosha, Inc.
    Inventors: Elizabeth Leah Lipkowitz, David Emmanuel Kakon, Israel Kohn
  • Patent number: 11359919
    Abstract: A system includes an inertial navigation system module (INS module) that detects vehicle yaw rates and vehicle lateral speeds, a controller circuit communicatively coupled with the INS module. The controller circuit determines a tire cornering stiffness (Cf, Cr) based on vehicle physical parameters and vehicle dynamic parameters. The controller circuit determines a vehicle moment of inertia (Iz) based on the vehicle physical parameters, the vehicle dynamic parameters, and the tire cornering stiffness (Cf, Cr).
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: June 14, 2022
    Assignee: Aptiv Technologies Limited
    Inventor: Guoguang Zhang
  • Patent number: 11361385
    Abstract: 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: Grant
    Filed: January 21, 2020
    Date of Patent: June 14, 2022
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Philip Peter Ramirez, Kurt M. Stricker
  • Patent number: 11361379
    Abstract: Various aspects of the subject technology relate to transmitting driving data for a user to an insurance platform. A system may include one or more sensors configured to receive sensor data. Driving data for the user may be generated based on the sensor data and transmitted to an insurance platform for assessment of an insurance product.
    Type: Grant
    Filed: May 12, 2014
    Date of Patent: June 14, 2022
    Assignee: ESURANCE INSURANCE SERVICES, INC.
    Inventor: Philip Rodoni
  • Patent number: 11361386
    Abstract: A system server stores and allows access to patient data, and can include a repatriation management system and/or a discharge management system. The repatriation management system provides for transfer of a patient from an admitting out-of-network hospital to a destination in-network hospital. The repatriation management system includes a computer program for analyzing the patient data, analyzing candidate destination hospital data, and calculating matches between the two. The discharge management system provides for transfer of a patient from an acute care hospital environment to a remote care facility. The discharge management system includes a computer program for analyzing the patient data, identifying and formulating resolutions to placement problems, and determining if the patient will be discharged. The system server is networked to allow remote access to the stored data and communication between the admitting hospital, destination hospitals, remote care facilities, and medical transport providers.
    Type: Grant
    Filed: January 24, 2020
    Date of Patent: June 14, 2022
    Inventor: Rachel Phillips
  • Patent number: 11358545
    Abstract: Techniques are described for vehicle activity information collection and analysis. A vehicle activity information unit in a vehicle generates vehicle activity information including video data that is captured by interior and/or exterior camera(s) on the vehicle. The vehicle activity information can also include sensor data generated by an accelerometer, a compass, a temperature sensor, a Global Positioning System module, and/or other sensor(s). The vehicle activity information can also include audio data generated by at least one microphone. In some implementations, at least a portion of the vehicle activity information is collected during a period of time that includes an event (e.g., an accident). The information is stored in data storage with an association between the information and the event, and is processed to generate performance data associated with a driver of the vehicle. The performance data can be presented through a user interface to the driver or other(s).
    Type: Grant
    Filed: March 6, 2018
    Date of Patent: June 14, 2022
    Assignee: The Heil Co.
    Inventor: James Darrick Reed
  • Patent number: 11361566
    Abstract: In an aspect, a method includes: receiving, via a communications module and from a computing device, a signal comprising image data representing a first document; automatically analyzing text in the first document based on stored classification data to identify a first parameter from the text in the first document; comparing the first parameter to a second parameter, the second parameter being obtained from a data store and being associated with a second document; determining annotation data based on the comparison, the annotation data determined based on the first parameter and the second parameter; and providing a signal that includes an instruction to cause the annotation data to be overlaid on a display of the computing device, the instruction including marker data identifying a location associated with the first document and influencing a location of the annotation in the display.
    Type: Grant
    Filed: August 12, 2020
    Date of Patent: June 14, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: John Michael Collinson, Christopher William Cooney, Russell Voutour, Marie-Julie Demers, Arun Victor Jagga, John Jong-Suk Lee
  • Patent number: 11361388
    Abstract: A system for generating and managing usage-based contracts using blockchains configured to (i) store an insurance contract for a currently occurring or upcoming trip, where the insurance contract is to insure the driver, passenger, and/or vehicle during the trip, where the insurance contract includes terms, conditions, or other clauses (e.g., mileage limitations, limitations on autonomous vehicle operation, etc.) and is in a blockchain structure, and where several nodes store copies of the insurance contract in the blockchain structure; (ii) receive, from the driver and/or (autonomous) vehicle, a requested modification of one or more terms, conditions, or other clauses of the insurance contract, (iii) transmit the requested modification to an insurance auction network, (iv) receive a response to the request from the insurance auction network; and (v) store the response in a new block in the insurance contract (e.g., a smart contract) to facilitate providing trip insurance in a transparent manner.
    Type: Grant
    Filed: July 22, 2020
    Date of Patent: June 14, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Matthew L. Floyd
  • Patent number: 11361866
    Abstract: Systems and methods of the present disclosure enable injury prediction using one or more processors for receiving a time-varying signal of sensor measurements from a sensor device associated with a user. The processor(s) generate time windows of the time-varying signal, including a series of the sensor measurements across a predetermined time period, and generate motion features based at least in part on the series of the sensor measurements of the time windows. The processor(s) utilize an injury risk classification machine learning model to predict an injury risk during each time window based at least in part on the motion features. An injury alert message is generated based at least in part on the injury risk being predicted; and transmitting the injury alert message to at least one user computing device.
    Type: Grant
    Filed: August 5, 2021
    Date of Patent: June 14, 2022
    Assignee: StrongArm Technologies, Inc.
    Inventors: Michael Kim, Sivasankara Reddy Bommireddy, Michael Patrick Spinelli, Sean Petterson
  • Patent number: 11363411
    Abstract: According to some embodiments of the invention, movement measurements may be obtained from a movement sensor (e.g., an accelerometer) of a mobile device in a vehicle. In addition, location measurements may be obtained from a location sensor (e.g., a GPS) of the mobile device in the vehicle. The movement measurements and the location measurements may be cross-referenced to each other to remove erroneous measurements, such as physically impossible measurements. The remaining measurements may be used to draw conclusions about the movements or locations, such as to identify a movement event (e.g., a braking event, an acceleration event, or the like).
    Type: Grant
    Filed: June 26, 2019
    Date of Patent: June 14, 2022
    Assignee: CAMBRIDGE MOBILE TELEMATICS INC.
    Inventors: Brad Cordova, Sanujit Sahoo, Nicholas Arcolano
  • Patent number: 11354616
    Abstract: Systems, methods, and techniques for determining optimal safe driving behaviors and optimal safety thresholds of the various parameters for particular routes are disclosed. Historical driver data for a plurality of drivers operating vehicles over various routes during different contextual situations and/or different combinations of conditions along the routes is analyzed to determine respective, relative weightings/contributions of various parameters towards driving safety. Data indicative of a particular driver's behavior along a particular route during a particular set of conditions or contexts is obtained and compared to the analysis results to thereby determine or assess the driver's safety performance. The driver's safety performance may be evaluated in real-time, e.g.
    Type: Grant
    Filed: May 11, 2017
    Date of Patent: June 7, 2022
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Brian Mark Fields
  • Patent number: 11356511
    Abstract: An electronic device mountable on an autonomous driving vehicle and a method for controlling the same are provided. The electronic device of the disclosure includes: a communicator including circuitry, a memory, and a processor configured to: control the electronic device to receive metadata for map streaming from a server via the communicator based on at least one communication method, determine at least one type of data to be received from the server among a plurality of types of data included in the metadata based on state information of the vehicle and a bandwidth of the at least one communication method, and control the electronic device to receive and provide the determined at least one type of data from the server via the communicator.
    Type: Grant
    Filed: December 16, 2020
    Date of Patent: June 7, 2022
    Assignee: SAMSUNG ELECTRONICS CO., LTD.
    Inventors: Sungho Lee, Jungwon Kim
  • Patent number: 11354944
    Abstract: In an embodiment, a method includes receiving, by a computing device, textual vehicle service content. The method further includes identifying, by the computing device, a vehicle scan tool function relevant to associated text at a location within the textual vehicle service content. The method additionally includes modifying, by the computing device, the textual vehicle service content to include a selectable link at the location of the associated text, wherein the selectable link is selectable to initialize a vehicle scan tool to perform the identified vehicle scan tool function on a vehicle. The method also includes providing, by the computing device, the modified textual vehicle service content including the selectable link.
    Type: Grant
    Filed: December 11, 2018
    Date of Patent: June 7, 2022
    Assignee: Snap-on Incorporated
    Inventors: Patrick S. Merg, Roy S. Brozovich, Jacob G. Foreman, Brett A. Kelley
  • Patent number: 11347829
    Abstract: A system and method for calculating expected out of pocket health care costs for a user during a set period of time is presented. The system relies on statistical data about health services utilization in combination with data about the user to estimate the expected usage. The system utilizes machine learning techniques to predict utilization of healthcare services based on user health status data. This information in combination with expected costs to deliver the specific services expected to be used provides the basis for calculating costs.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: May 31, 2022
    Assignee: ClearHealthBill, LLC
    Inventors: Jennifer Sclar, Kareem Ayoub, Len Kunin, Kathryn Wollan, Kelly Northridge
  • Patent number: 11346680
    Abstract: Providing routing based on driver experience is provided. Aspects include receiving a destination from a user, calculating a plurality of routes from an origin to the destination, and comparing characteristics of each of the plurality of routes with previous driving experience information of the user. Aspects also include calculating an associated risk level for each of the plurality of routes based on the comparison and providing, to the user, a listing of the plurality of routes having the associated risk level indicated. Aspects further include receiving a selected route from the user and providing the selected route and the associated risk level to an insurance provider of the user.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: May 31, 2022
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Jonathan Jackson, Darryl Adderly, Eric Libow, Ajit Jariwala
  • Patent number: 11348175
    Abstract: Aspects of the disclosure describe systems and methods for handling a loss involving an insured vehicle. A total loss evaluation and handling system receives vehicle telematics data from a vehicle telematics device that monitors the vehicle. The total loss evaluation and handling system determines that a loss involving the vehicle has occurred, and a total loss evaluator selects a set of total loss rules configured to determine whether the loss is a total loss. The total loss evaluator applies the total loss rules selected to the vehicle telematics data received and determines whether the loss is a total loss based on the total loss rules applied. A total loss handler obtains an estimated value of the vehicle and generates a settlement amount based on the estimated value. The total loss handler initiates a payment corresponding to the settlement amount as settlement for the total loss.
    Type: Grant
    Filed: April 12, 2021
    Date of Patent: May 31, 2022
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventors: Randall M. Hanson, Joel DeWall, Jamin Ejupi
  • Patent number: 11348185
    Abstract: One or more devices in a life insurance clearinghouse system may be configured to store and maintain life insurance customer data and policy data. A life insurance clearing house may store, for example, customer information, policy types and terms, and coverage amounts for life insurance policies associated with different life insurance providers. Various systems and devices, such as insurance provider computer hardware memory and processor systems, insurance clearinghouse computer memory and processor devices, and customer terminals, may retrieve life insurance customer data and/or policy data associated with multiple different life insurance providers, from databases in a life insurance clearinghouse.
    Type: Grant
    Filed: October 22, 2020
    Date of Patent: May 31, 2022
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventor: John Rugel
  • Patent number: 11348180
    Abstract: Systems and methods for capturing digital image data associated with a property for an insurance quote are described. According to certain aspects, a mobile device may enable a user to capture digital image data and/or a video stream and other information of house features and characteristics that may be used to determine insurability and estimated replacement cost of the property. The mobile device may enable the user to capture the information at the property location, which may eliminate the need for a manual assessment or characterization of home features by a homeowner. A back-end server may receive the data, analyze the data to generate an insurance quote (and/or insurance application) for the property, and transmit the insurance quote (and/or application) to the mobile device for presentation to the user. The mobile device may enable the user to select terms, deductibles, limits, and/or coverages, and ultimately approve a homeowner's insurance policy.
    Type: Grant
    Filed: December 6, 2018
    Date of Patent: May 31, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Timothy Joel Davis, Amy Engelhorn, Colby S Kornelis
  • Patent number: 11348437
    Abstract: 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: Grant
    Filed: October 8, 2020
    Date of Patent: May 31, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
  • Patent number: 11347375
    Abstract: Techniques are presented herein for digital task management using an intermediary single-account issue inbox system. The techniques include receiving an email message related to a task, creating a task item related to the email message and assigning an initial digital state to the task item, adding the task item to a list of task items stored in the shared issue tracking system causing display of the list of task items that are associated with one digital state value, and enabling users to input state-change information, and in response to those requests, changing those states in the issue ticket system.
    Type: Grant
    Filed: March 21, 2018
    Date of Patent: May 31, 2022
    Assignee: ATLASSIAN PTY LTD.
    Inventors: Noam Bar-On, Markus Te Grotenhuis
  • Patent number: 11343357
    Abstract: Systems and methods for autonomous program management include a device which may transmit data to a client in response to a first request from the client. The data may include a response to the first request and a copy of data available to the device corresponding to the first request or the client. The device may receive a second request including the copy of data from the client. The device may determine that the second request is from an autonomous program rather than a user of the client based on the copy of data from the second request. The device may block at least one subsequent request from the client in response to the determination that the second request is from an autonomous program.
    Type: Grant
    Filed: November 24, 2020
    Date of Patent: May 24, 2022
    Assignee: Citrix Systems, Inc.
    Inventors: Rama Rao Katta, Kasirao Velugu
  • Patent number: 11341546
    Abstract: A method including determining a first bid for a healthcare plan and a second bid for the healthcare plan. A bid-pricing tool is configured to utilize one or more first components to determine the first bid and one or more second components to determine the second bid, respectively. A bid difference between the first bid and the second bid includes at least a monetary difference in premiums paid by members of the first bid for the healthcare plan and members of the second bid for the healthcare plan. One or more third components are determined based at least in part on the bid difference to determine a third bid for the healthcare plan. A second bid difference is determined between at least one of the first bid and the third bid or the second bid and the third bid.
    Type: Grant
    Filed: December 18, 2018
    Date of Patent: May 24, 2022
    Assignee: Clover Health
    Inventors: Judah Rabinowitz, Alec Clowes, Brian Johnson, Jonathan Shih
  • Patent number: 11341580
    Abstract: An aerial image system may generate images of structures providing views that might otherwise be difficult to obtain. These images may be used to determine various characteristics of the structure, which may then be processed for a variety of tasks including product marketing, claim processing and post-claim analysis. The images may be analyzed by the aerial image system or by a ground-based processing system to determine the structural characteristics such as roof age, roof type and roof pitch. In some examples, image analysis techniques such as edge detection and contrast determination may assist in determining the requisite data. Additionally or alternatively, the processing system may direct or control one or more image capture devices to obtain desired images.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: May 24, 2022
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventors: Bryan Keith Corder, John A. Riggio, Carlos D. Sanchez
  • Patent number: 11334952
    Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to generate Usage-Based Insurance quotes for a vehicle tracked over its lifecycle according to a Vehicle Identification Number (VIN), or other vehicle identifier. A mileage report stored on the shared ledger may be searched according to the vehicle's VIN and a Usage-Based Insurance quote may be generated based upon the mileage report. Periodic updates to the mileage report may be broadcast to the blockchain in transactions that updated the shared ledger. An estimated vehicle usage may be determined based upon the cryptographic proof of the blockchain and a Usage-Based Insurance quote generated thereon.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: May 17, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: William J. Leise, Douglas A. Graff, Stacie A. McCullough, Shawn M. Call, Eric Bellas, Jaime Skaggs, Jacob J. Alt, Eric R. Moore, Vicki King
  • Patent number: 11334835
    Abstract: A system includes a client instance hosted by a datacenter, wherein the client instance is generated for one or more client networks. The system performs operations comprising generating a graphical user interface, receiving, via the graphical user interface, an input adjusting the selected time period, and updating the graphical user interface in real time in response to the received input. The graphical user interface includes a timeline that spans an entirety of an incident dataset, a selected time period, wherein the selected time period is a portion of the timeline, a plot of incident data from the incident dataset over the selected time period, and a plurality of calculated metrics based on the incident data during the selected time period.
    Type: Grant
    Filed: May 4, 2018
    Date of Patent: May 17, 2022
    Assignee: ServiceNow, Inc.
    Inventors: Aida Rikovic Tabak, Marta Penzo, Andrei-Mihai Gabur, Ciprian Mocanu, Jimmy Castex, Lidhvija Boini, Anita Lugomer, Georgi Ivanov, Ramya Raghavan
  • Patent number: 11335103
    Abstract: An evaluation system includes: an acquisition unit that acquires an image acquired by imaging an exterior of a vehicle; and an evaluation unit that derives and assigns an evaluation point for evaluating social credibility of a vehicle occupant of the vehicle on the basis of the image acquired by the acquisition unit.
    Type: Grant
    Filed: November 8, 2019
    Date of Patent: May 17, 2022
    Assignee: HONDA MOTOR CO., LTD.
    Inventors: Atsuyuki Suzuki, Masanori Takeda, Yasuaki Aoki, Hirokazu Watanabe
  • Patent number: 11335140
    Abstract: A terminal device according to one aspect of an embodiment includes a storage, an acquisition unit, a selection unit, and a transmitting unit. The storage stores therein imaging data captured from a moving body. The acquisition unit acquires a transmitting request for imaging data transmitted from an external device on the basis of positional information on the moving body. The selection unit selects, from among the imaging data stored in the storage, target data that is imaging data corresponding to the transmitting request acquired by the acquisition unit. The transmitting unit transmits the target data selected by the selection unit.
    Type: Grant
    Filed: May 8, 2019
    Date of Patent: May 17, 2022
    Assignee: DENSO TEN Limited
    Inventor: Hiroyuki Watabe
  • Patent number: 11334797
    Abstract: A system for predicting and interpreting bad driving behavior of a vehicle includes a first edge computing device that can acquire spatial-temporal data for the vehicle from one or more sensors that are part of traffic infrastructure. The first edge computing device includes a processor and instructions executable by the processor that execute unsupervised deep learning methods on the data from the sensors to cluster the data into segments and integrate a language model with the deep learning method to output the bad driving behavior in a natural language. The instructions further include normalizing the data, processing the data with a first artificial neural network (ANN) to output a first vector, processing the clustered data segments with a second ANN to output a second vector, concatenating the vectors into a single vector, and processing the single vector with a third ANN to output a predicted bad driving behavior of the vehicle.
    Type: Grant
    Filed: November 11, 2020
    Date of Patent: May 17, 2022
    Assignee: DENSO International America, Inc.
    Inventors: Rajesh Kumar Malhan, Joseph Lull, Wei Zhang
  • Patent number: 11331025
    Abstract: Disclosed herein are a drowsy-driving prevention method and a drowsy-driving prevention system that execute artificial intelligence (AI) algorithms and/or machine learning algorithms in a 5G environment connected for Internet of Things in order to control a stimulation unit and a measurement unit. The drowsy-driving prevention method may include a stimulating step, a measuring step, and a determining step. A stimulation unit outputs a stimulus in order to stimulate a sensory organ of a driver, and then a measurement unit measures a biometric signal of the driver from the time when the stimulus is outputted. Upon determining that the biometric signal of the driver is not a response to the stimulus, the stimulation unit may output the stimulus again.
    Type: Grant
    Filed: August 15, 2019
    Date of Patent: May 17, 2022
    Assignee: LG ELECTRONICS INC.
    Inventors: Hee Nam Yoon, Beom Oh Kim
  • Patent number: 11334850
    Abstract: An exemplary embodiment of the present invention provides an economic development system, which enables individuals within a community to efficiently identify and express their interests in one or more economic propositions. The economic development system comprises an application which allows users to uniquely interface with the one or more economic propositions. Users of the economic development system are able to efficiently identify and express support or disapprove for one or more economic propositions. A plurality of engagement mechanisms is provided by the economic development system to assist users in democratizing their interests. The economic development system also allows for crowdfunding of economic propositions and further provides valuable statistical data which can be utilized by developers, business owners, and local municipalities to implement one or more economic propositions.
    Type: Grant
    Filed: March 1, 2021
    Date of Patent: May 17, 2022
    Inventor: John C. Noel, Sr.
  • Patent number: 11334940
    Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the state of the traffic light at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation.
    Type: Grant
    Filed: April 2, 2020
    Date of Patent: May 17, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Nathan L. Tofte, Timothy W. Ryan, Nathan W. Baumann, Michael Shawn Jacob, Joshua David Lillie, Brian N. Harvey, Roxane Lyons, Rosemarie Geier Grant
  • Patent number: 11334951
    Abstract: A method for determining vehicle insurance costs includes receiving a starting location and a destination location for a trip using a vehicle. One or more routes for the vehicle from the starting location to the destination location are received. A cost of insurance is determined for each of the one or more routes for the trip. The cost of insurance for each of the one or more routes for the trip is displayed. A selected route from the one or more routes is received. Operation of the vehicle for the trip is enabled along the selected route.
    Type: Grant
    Filed: October 27, 2017
    Date of Patent: May 17, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: H. Brock Kolls, Andrew J. Garner, IV
  • Patent number: 11328364
    Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, wherein the information is received via a single processing of an instrument. A balance for the transaction is automatically determined based on a coverage plan associated with the information from the instrument and services associated with the transaction. Upon detecting selection of an account for the balance, an amount from the account is allocated for the balance and is provided to complete the transaction.
    Type: Grant
    Filed: October 28, 2020
    Date of Patent: May 10, 2022
    Assignee: SYNCHRONY BANK
    Inventors: David Fasoli, Clarinda Gurr, Erin Gadhavi, Annabel Larsen, Kendra Larsen, Craig Urbansky, Sally Yijing Yang, Bete Johnson
  • Patent number: 11321653
    Abstract: A refund tracking (RT) computing device including a processor and a memory in communication with the processor is provided. The RT computing device is configured to receive historical transaction data from a payment network or a merchant data source, the historical transaction data received in different formats, parse data fields from the historical transaction data, store the parsed data fields for each of the transactions in a respective harmonized refund data structure in a database, receive current transaction data for a current transaction from a merchant computing device, retrieve at least one harmonized refund data structure from the database, determine a refund risk score based on comparing the current transaction data to the at least one harmonized refund data structure, and transmit the refund risk score to the merchant terminal.
    Type: Grant
    Filed: December 31, 2018
    Date of Patent: May 3, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Lakshmi Sushma Daggubati, Sri Chaitanya Sanaboina
  • Patent number: 11321783
    Abstract: A method, a system, and a computer-readable storage medium for blockchain-based data processing are provided. The method comprises: by a node device of a service acceptance platform, receiving service processing application data of a target user; generating a first shared service processing result and a first private service processing result with respect to a target service data processing entity; sending a first transaction to a blockchain for the first transaction to be recorded in a distributed database of the blockchain upon verification of the first transaction by a plurality of node devices associated with the blockchain according to a consensus mechanism; and sending the first private service processing result to the node device of the target service data processing entity, for the node device of the target service data processing entity to generate a second service processing result.
    Type: Grant
    Filed: January 31, 2021
    Date of Patent: May 3, 2022
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventor: Haibin Wang
  • Patent number: 11315189
    Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.
    Type: Grant
    Filed: April 30, 2018
    Date of Patent: April 26, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
  • Patent number: 11315195
    Abstract: Method and system for validating a plurality of policies. For example, a computer-implemented method includes receiving a plurality of policies, each policy of the plurality of policies associated with a policy lifecycle including one or more validation actions, each validation action of the one or more validation actions being associated with an action time; mapping the one or more validation actions associated with each policy of the plurality of policies on a common timeline of a shared clock; and determining the plurality of validation times based at least in part upon the action time associated with each validation action of the one or more validation actions by at least one of: minimizing the amount of validation times of the plurality of validation times; and maximizing the amount of validation actions contained within each validation time of the plurality of validation times on average across the plurality of validation threads.
    Type: Grant
    Filed: July 14, 2020
    Date of Patent: April 26, 2022
    Assignee: BLUEOWL, LLC
    Inventors: David Sharnoff, Shilpi Bansal, Aaron Lehmann, Vijay Dewangan
  • Patent number: 11315194
    Abstract: A position determining system includes a surveillance and monitoring special purpose computer, one or more sensors in electrical communication with the surveillance and monitoring special purpose computer, one or more surveillance cameras in electrical communication with the surveillance and monitoring special purpose computer, the surveillance and monitoring special purpose computer receiving from the one or more sensors positional data about an asset and assembling and forwarding instructions to the one or more surveillance cameras in electrical communication with the surveillance and monitoring special purpose computer, the instructions requesting specific surveillance to be undertaken by the one or more surveillance cameras; and a processor in electrical communication with the surveillance and monitoring special purpose computer that determines if additional data is required about the asset and when additional data is required, assembling and forwarding instructions regarding an action.
    Type: Grant
    Filed: April 24, 2020
    Date of Patent: April 26, 2022
    Assignee: B3, LLC
    Inventors: Paul Bradford Blessman, Robert Colton Biedenbach
  • Patent number: 11315367
    Abstract: Provided are a method and an apparatus for controlling vehicle operations, and a computer device. The method includes: acquiring current running status information of an in-vehicle component and current user operating behavior information sent by a first vehicle; determining a current running status score of the first vehicle according to the current running status information of the in-vehicle component and the current user operating behavior information from the first vehicle; and generating an operation strategy for the first vehicle according to the current running status score of the first vehicle.
    Type: Grant
    Filed: August 28, 2019
    Date of Patent: April 26, 2022
    Assignee: APOLLO INTELLIGENT DRIVING TECHNOLOGY (BEIJING) CO., LTD.
    Inventor: Xiaofan Deng
  • Patent number: 11313689
    Abstract: Systems and methods are provided for receiving location data for a first location and a second location and generating a plurality of candidate routes to travel from the first location to the second location, based on the location data, each candidate route comprising a plurality of segments.
    Type: Grant
    Filed: April 3, 2019
    Date of Patent: April 26, 2022
    Assignee: Uber Technologies, Inc.
    Inventors: Kapil Gupta, Houtan Shirani-Mehr, Mir Shahrouz Takyar, Jaikumar Ganesh
  • Patent number: 11307042
    Abstract: Systems including one or more sensors, coupled to a vehicle, may detect sensor information and provide the sensor information to another computing device for processing. The processing may include analyzing the sensor information to identify one or more risk objects, such as animals, pedestrians, potholes, etc. The processing may further include generating a three-dimensional (3D) risk map, which may be displayed to a passenger in the vehicle. The 3D risk map may illustrate the one or more risk objects as one or more point clouds, respectively, within a virtual world representation of the vehicle's surroundings. Such a display may be used to alert drivers to possible risks while driving. In case of an accident, the 3D risk map may also be leveraged by insurance providers to process insurance claims and to notify customers that an insurance claim has been established.
    Type: Grant
    Filed: September 24, 2015
    Date of Patent: April 19, 2022
    Assignee: Allstate Insurance Company
    Inventor: Mark Slusar
  • Patent number: 11308431
    Abstract: Certain aspects of the present disclosure provide techniques for hierarchical optimization including: receiving a request to optimize a primary objective; determining a set of stages to optimize the primary objective; for each respective stage of the set of stages: determining an objective function; when the respective stage is the first stage to be processed: determining values of a set of variable inputs to the respective stage and an output of the objective function; when the respective stage is not the first stage: updating a set of fixed inputs to the respective stage by including the variable inputs to one or more previously processed stages and their corresponding values to the set of fixed inputs to the respective stage; determining values of the set of variable inputs to the respective stage and output of the objective function for the respective stage; providing a final output for display on a display device.
    Type: Grant
    Filed: July 7, 2020
    Date of Patent: April 19, 2022
    Assignee: INTUIT INC.
    Inventors: Sudhir Agarwal, Roland Allen Sanford, II
  • Patent number: 11301890
    Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.
    Type: Grant
    Filed: September 30, 2020
    Date of Patent: April 12, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kerry Cote, Nicholas R. Baker, Mark E. Clauss, Todd Binion, Andrea Lee Rhoades, Steve J. Balbach, Brian Mark Fields, Kyle Pott
  • Patent number: 11300970
    Abstract: A weather guidance system is configured to guide a weather event having occurred around a user during moving, and includes: a guided event acquiring unit configured to acquire a guided event being a weather event previously guided to the user; and a guidance control unit configured to determine that when a new event being a new weather event having occurred around the user is acquired, the new event that is identical in weather type to the guided event and that has an occurrence region without overlapping with that of the guided event is guided, and the new event that is identical in weather type to the guided event and that has an occurrence region overlapping with that of the guided event is not to be guided.
    Type: Grant
    Filed: December 16, 2019
    Date of Patent: April 12, 2022
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Xin Jin, Taiki Nakamura, Shota Kishino, Kazuki Minamiyama
  • Patent number: 11300977
    Abstract: Systems and methods for creating and using risk profiles for management of a fleet of vehicles are disclosed. The risk profiles characterize values representing likelihoods of occurrences of vehicle events, based on previously detected vehicle events. Exemplary implementations may: obtain vehicle event information for vehicle events that have been detected by the fleet of vehicles; aggregate the vehicle event information for multiple ones of the events to create one or more of a first risk profile, a second risk profile and/or a third risk profile; obtain a point of origin for and a target destination of a particular vehicle; determine a set of routes from the point of origin to the target destination; determine individual values representing likelihoods of occurrences of vehicle events along individual routes in the set of routes; select the first route from the set of routes; and provide the selected first route to the particular vehicle.
    Type: Grant
    Filed: May 1, 2019
    Date of Patent: April 12, 2022
    Assignee: SmartDrive Systems, Inc.
    Inventors: Reza Ghanbari, Nicholas Shayne Brookins, David Forney, Jason Palmer, Mark Freitas
  • Patent number: 11297016
    Abstract: A system and method simulates conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: April 5, 2022
    Assignee: PROGRESSIVE CASUALTY INSURANCE COMPANY
    Inventors: Matthew T. White, Brian J. Surtz, Callen C. Cox
  • Patent number: 11294669
    Abstract: In order to improve the development, design and/or deployment of the complex embedded or the cyber-physical systems and in particular the complex software architectures being included and/or used therein of the different technical domains it is proposed a sophisticated expertise or tool-significant Measure Recommendation System. This Measure Recommendation System, particularly formed by the Computer-Program-Product, is tailored to determine and provide appropriate measures to effectively improve the decision-making process during the design, development and/or deployment of the systems of the different technical domains by automatically providing Measure Determining Vectors.
    Type: Grant
    Filed: March 4, 2019
    Date of Patent: April 5, 2022
    Inventors: Uwe Hohenstein, Andreas Biesdorf, Christoph Brand, Martin Kramer, Manoj Mahabaleshwar, Klym Shumaiev
  • Patent number: 11295356
    Abstract: The present disclosure provides generally for methods and systems relating to relocation estimates. According to the present disclosure, sales representatives and prospective customers may have access to the relocation estimate system to see how a quote is being generated and what the resource allocation was. These parties may make suggestions or ask questions about how a quote was generated. These parties may correct or update a quote based on needs not known during an initial walkthrough. Based on information input by a user, the relocation estimate system may provide a quote in real-time.
    Type: Grant
    Filed: December 16, 2018
    Date of Patent: April 5, 2022
    Inventors: Mark Scullion, Len O'Neill, Jonathan Vu Tran, Caryn Knill, Timothy Meyer