Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Patents (Class 705/4)
  • Patent number: 10726488
    Abstract: A computer-implemented method and system is disclosed for identifying beneficiaries of matured insurance policies. In a preferred embodiment, the invention will utilize one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, the users may also search for and receive information related to in force policies. In cases where the insured is living, the invention may be utilized to update address and social security number records, enabling more effective policy administration and customer service going forward. Also provided is an automated system for distributing the matured policy proceeds to the identified beneficiary.
    Type: Grant
    Filed: November 27, 2013
    Date of Patent: July 28, 2020
    Assignee: Metropolitan Life Insurance Co.
    Inventors: Kathleen Schoos, Debra Cruz, Lawrence Vranka
  • Patent number: 10728115
    Abstract: A method and system for determining a service provider to perform a service. An indication of willingness by each service provider of at least two service providers to perform the service in conformity with at least two quality of service requirements is received. Both an indication of previous performance of the service by each service provider and statistical data indicative of an extent to which the previous performance of the service by each service provider matches each quality of service requirement are received. A preferred service provider of the at least two service providers is ascertained, by analyzing the statistical data and concluding that the performance of the service by the preferred service provider is a closer match to the at least two quality of service requirements than is a match of the performance of the service by each other service provider to the at least two service requirements.
    Type: Grant
    Filed: April 30, 2014
    Date of Patent: July 28, 2020
    Assignee: International Business Machines Corporation
    Inventor: Mohammad A. Sanamrad
  • Patent number: 10726489
    Abstract: Signals-based data syndication and collaboration is disclosed. A data store of insurance related data collected from a plurality of carriers is accessed. A pattern is identified based at least in part on data stored in the data store. The pattern is associated with a first set of insurance related data belonging to a first carrier and with a second set of insurance related data belonging to a second carrier. First and second users associated with the first and second carriers are notified, respectively, of the identified pattern. Consent from the first user to share at least a portion of the first set of insurance related data and consent from the second user to share at least a portion of the second set of insurance related data are obtained. At least a portion of the second set of insurance related data that the second user has consented to share is caused to be presented to the first user.
    Type: Grant
    Filed: March 26, 2015
    Date of Patent: July 28, 2020
    Assignee: Guidewire Software, Inc.
    Inventor: Matthew Carl Hamilton
  • Patent number: 10726493
    Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.
    Type: Grant
    Filed: October 18, 2016
    Date of Patent: July 28, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Kyne, Joel T. Camarano, Bharat Prasad, Charles Lee Oakes, III, Gunjan C. Vijayvergia, Christine Marie Brown, Rod Gonzales
  • Patent number: 10719886
    Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous and/or semi-autonomous operation features are provided. According to certain aspects, performance data indicative of the performance of the features may be used to determine fault for a vehicle accident, such as a collision, by allocating fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to determine an adjustment to an insurance policy and/or adjust coverage levels for an insurance policy. The allocation of fault may further be used to adjust risk levels or profiles associated with the autonomous or semi-autonomous operation features, which may be applied to other vehicles having the same or similar features.
    Type: Grant
    Filed: May 9, 2019
    Date of Patent: July 21, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10719884
    Abstract: Appearance data of a target entity is collected as appearance data, where the target entity comprises a physical entity capable of accessing, as a member, a blockchain. The appearance data is registered in a distributed database associated with the blockchain as an identity of the target entity. A target transaction initiated by a member node device in the blockchain is received, where the target transaction comprises the appearance data of the target entity that is collected by the member node device and a service event that is related to the target entity and that is detected by the member node device. A smart contract that corresponds to the service event is invoked. Based on the identity indicated by the appearance data of the target entity, service logic stated in the smart contract is executed.
    Type: Grant
    Filed: March 29, 2019
    Date of Patent: July 21, 2020
    Assignee: Alibaba Group Holding Limited
    Inventors: Danqing Hu, Shaorong Zhang
  • Patent number: 10719966
    Abstract: Systems, devices, and methods provide an augmented reality visualization of a real world accident scene. The system may comprise an augmented reality visualization device in communication with a display interface. The display interface may be configured to present a graphical user interface including an accident scene that corresponds to a real world location. The augmented reality visualization device (and/or system) may comprise one or more data stores configured to store accident scene information corresponding to the real world location, such as vehicles, motorcycles, trees, road objects, etc. Additionally, the one or more data stores may also store participant information corresponding to details about other multiple participants, such as witnesses, other drivers, and/or police officers.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: July 21, 2020
    Assignee: Allstate Insurance Company
    Inventors: Chase Davis, Jeraldine Dahlman
  • Patent number: 10721336
    Abstract: Techniques described herein relate to generating graph-oriented data structures based on cross-channel multi-user transaction and/or interaction data from one or more data sources, Additional techniques relate to analyzing and processing transactions using the graph-oriented data structures. Transaction data may be received from various data sources, and analyzed to determine subsets of the transaction data relating to interactions between specific pairs of users. Graph-oriented data structures may be generated based on the subsets of transaction data relating to the specific pairs of users, and may be used to analyze and process transaction requests.
    Type: Grant
    Filed: January 11, 2017
    Date of Patent: July 21, 2020
    Assignee: The Western Union Company
    Inventors: Abhishek Banerjee, Daniel Goldstein, Roberto Arnetoli, Pravin Darbare, Kevin Lai, Sanjay Saraf
  • Patent number: 10719881
    Abstract: A subscription healthcare coverage system and method providing lower-cost and less-complex healthcare coverage for individuals, including employees of businesses, having flat initial fees, business-provided discounts, adjustments of fees upon renewal based on past use, secure direct instant communications with covered individuals, businesses, and healthcare providers through common electronic devices, accumulation of data in a secure, quickly-accessible form, and administration based on the application of defined rules to accumulated data.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: July 21, 2020
    Inventor: Derek Foreman
  • Patent number: 10719842
    Abstract: An embodiment of the invention comprises a method and apparatus for performing collective validation of credential information. The invention has applicability in industries that require sales agents or those related to the distribution of a certain product to be credentialed (e.g., licensed and/or appointed) when selling certain products (e.g., life insurance, etc. . . . ). For example, in order to sell some financial instruments sales representatives must meet state and/or federal licensing requirements. Embodiments of the invention provide a way to ensure that sales representatives operate within any regulatory constraints put in place by government or any other organization. Companies may, for instance, utilize embodiments of the invention to ensure that sales representatives operate within a set of defined constraints. One aspect of the invention provides a method for validating sales agents' credentials while processing the sales transaction data to determine commission amounts.
    Type: Grant
    Filed: May 21, 2018
    Date of Patent: July 21, 2020
    Assignee: VERSATA DEVELOPMENT GROUP, INC.
    Inventor: Shari Gharavy
  • Patent number: 10719638
    Abstract: In an embodiment, a method comprises: receiving digital yield data representing yields of crops that have been harvested from an agricultural field; applying an empirical cumulative density function to the digital yield data to generate transformed digital yield data; smoothing the transformed digital yield data to result in generating and storing smooth transformed digital yield data; determining a first count value for a plurality of management classes; generating a plurality of first management zones for the agricultural field by clustering the smooth transformed digital yield data and using the first count value; generating a set of first merged management zones by merging one or more small management zones of the plurality of first management zones with their respective similar neighboring large zones; and storing the set of first merged management zones and the first count value in a set of management zone metrics.
    Type: Grant
    Filed: August 11, 2016
    Date of Patent: July 21, 2020
    Assignee: THE CLIMATE CORPORATION
    Inventors: Lijuan Xu, Anahita Hassanzadeh
  • Patent number: 10713727
    Abstract: Methods and systems for maintaining and building an autonomous vehicle-related event blockchain are provided. One or more processors may receive indications of autonomous vehicle events. The autonomous vehicle events may include information relating to technology usage and/or operational events. The autonomous vehicle events may be compiled into a log of recorded autonomous vehicle events. Based upon the autonomous vehicle events, an action to implement may be determined. Additionally, the log may be distributed to a public or private network of distributed nodes to form a consensus on an update to the log of record autonomous vehicle events. As a result, the distributed nodes may maintain an up-to-date record of the shared ledger of autonomous vehicle events.
    Type: Grant
    Filed: June 15, 2017
    Date of Patent: July 14, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew L. Floyd, Alvin Hon-Wai Yu, Antwuan Murphy, Brittney Benzio, Lindsi Brantley, Matthew S. Delaney, Matthew Vulich, Matthew S. Rodriguez, Neha Goel, Sabrina Collins, Annie Pudlo Murillo
  • Patent number: 10713676
    Abstract: An embodiment of the invention provides a system that enables financial services companies to manage and track information about a sales force. The system includes components for managing distributors information, for validating and tracking licenses and credentials, for creating customized contracts, and for maintaining compensation structures. The system allows for configuring compensations, providing financial services companies a toolkit for creating and modeling their complex commission schedules used to compensate their sales force. The system also provides modeling tools for agreements and contracts between a financial services company or provider and the distributors who sell products. The system has a multi-component architecture comprising multiple modules, multiple data processing engines, a backbone and multiple data sources. The processing modules carry out information processing using one or more data processing engines.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: July 14, 2020
    Assignee: VERSATA DEVELOPMENT GROUP, INC.
    Inventors: David Chao, Brian Blount, Charles Erickson, Shari Gharavy, Cheng Zhou, Joshua Toub
  • Patent number: 10715494
    Abstract: Aspects of the present disclosure provide systems and methods for directly transferring tenant data hosted on a source domain to a target domain, wherein the source and target domains are associated with different server farms. Additionally, where the source domain is managed by a source management layer and the target domain is managed by target management layer, which source and target management layers are not in a trust relationship. Aspects describe establishing a secure, direct communication bus between the source and target management layers in order to accomplish a plurality of steps involved in transferring the tenant, wherein tenant data transferred thereon is encrypted. In example aspects, the direct communication bus terminates upon completion of the tenant data transfer.
    Type: Grant
    Filed: May 15, 2017
    Date of Patent: July 14, 2020
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Patrick J. Simek, Prashant Gaurav, Kalyan K. Kona, Ilker Celikyilmaz
  • Patent number: 10713717
    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: January 22, 2015
    Date of Patent: July 14, 2020
    Assignee: Allstate Insurance Company
    Inventors: Randall M. Hanson, Joel T. DeWall, Jamin Ejupi
  • Patent number: 10716065
    Abstract: A method for activating a connected object intended to function in an low power wide area network (“LPWAN”) network. The method includes, when it is implemented by the connected object: detecting a first signal transmitted by an external device; when the first signal has predefined characteristics, making the connected object pass from a standby mode to an active mode, only a module of the connected object intended to detect the first signal being activated in standby mode; receiving a second signal comprising a signature from the external device; checking that the signature is in accordance with a predefined signature and, when the signature is in accordance with a predefined signature, obtaining configuration parameters, configuring the connected object in accordance with the configuration parameters obtained and transmitting a connection request message to said network.
    Type: Grant
    Filed: March 28, 2017
    Date of Patent: July 14, 2020
    Assignee: SAGEMCOM ENERGY & TELECOM SAS
    Inventors: Henri Teboulle, Jean-Paul Lecappon
  • Patent number: 10706474
    Abstract: A system may automatically identify electronic records to be routed to a supplemental review process via an automated back-end application computer server. The system may include a data store containing electronic records, each electronic record representing a potential new risk association with an entity, and each electronic record may contain a record identifier and a set of record characteristic values. The computer server may then access the electronic records and automatically generate, by an advanced analytics decision making model based on the record characteristic values, a supplemental review process indication for the potential new risk association of each entity.
    Type: Grant
    Filed: April 25, 2016
    Date of Patent: July 7, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Kimberly A. Rieth, Lucas Raymond Roberts, Christopher L. Sheaffer
  • Patent number: 10706475
    Abstract: According to some embodiments, data is received indicative of a plurality of insurance claims submitted in connection with insurance policies. A rules driven claim processing engine may then apply a first exclusion filter to the received plurality of claims, wherein the first exclusion filter operates to remove claims from the received plurality of claims to create a first subset of claims. A second exclusion filter may then be applied to the first subset of claims, wherein the second exclusion filter operates to remove claims from the first subset of claims to create a second subset of claims. It may then be automatically arranged for the second subset of claims to be processed via an expedited claim processing workflow.
    Type: Grant
    Filed: April 6, 2018
    Date of Patent: July 7, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: John Kinney, Vittoria Pace, Anthony C. Ruszala, Thomas L. Snow, III, Larry B. Emory, Robert K. Burns
  • Patent number: 10703381
    Abstract: Methods, computer program products, and systems are presented. The method computer program products, and systems can include, for instance: obtaining sensor data from sensors disposed to output data indicative of vehicle driver performance of a first vehicle, the first vehicle having for a first trip an associated first driver user who drives the first vehicle during the first trip; processing the sensor data to return error event flags that indicate errors of the first driver user when driving the first vehicle during the first trip; recording for respective event flags of the error event flags values of a first driving environment classification parameter and values of a second driving environment classification parameter; and predicting a driving performance of the first driver user for a second trip, the second trip being a proposed trip to occur after the first trip.
    Type: Grant
    Filed: November 28, 2018
    Date of Patent: July 7, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Michael Bender, Gregory J. Boss, Albert Avetisian, Jeremy R. Fox
  • Patent number: 10706809
    Abstract: The present invention relates to an external module comprising: an interface physically connected to a vehicle so as to exchange data with the vehicle; and a processor for receiving peripheral information of the vehicle and state information of the vehicle through the interface, acquiring the ADAS information, on the basis of the peripheral information of the vehicle and the state information of the vehicle, and performing control so as to allow a display inside the vehicle to display the ADAS information by transmitting the ADAS information, through the interface, to the vehicle.
    Type: Grant
    Filed: March 31, 2016
    Date of Patent: July 7, 2020
    Assignee: LG ELECTRONICS INC.
    Inventors: Hyunseok Shin, Daegeun Ha, Junyoung Yu, Taekyung Lee, Byeongrim Jo
  • Patent number: 10708384
    Abstract: The present disclosure provides techniques for data processing. These techniques may transport, by a computing device, individual retrieving requests for second data corresponding to a first client that sends the retrieving requests for first data into the order pool. The computing device may calculate an initial value of a second total amount of the second data, and then notify a platform of a third party to send the corresponding first data to the first client. The computing device may determine corresponding qualification after retrieving requests for the second data in the order pool are changed. The computing device may return third data to a data processing server of the third party in response to qualification determination. These techniques reduce usage of network resource and therefore increase efficacy of the networking.
    Type: Grant
    Filed: September 19, 2016
    Date of Patent: July 7, 2020
    Assignee: Alibaba Group Holding Limited
    Inventors: Kai Wang, Fang Wang, Yunchang Wu
  • Patent number: 10699264
    Abstract: Systems and methods are disclosed to facilitate payment of a restaurant bill via text message. For example, a text message having a restaurant bill code may be sent from a customer device to an MPS phone number. A restaurant network address may be extracted for a restaurant computing system. A query may be sent to the restaurant computing system using the restaurant network address with the restaurant bill code. In response, the restaurant computing system may send restaurant bill data that includes least one restaurant menu item, a price for the at least one restaurant menu item, and a total bill amount. A unique URL may be created that when entered into a web browser presents a webpage that includes at least the restaurant bill data. The unique URL may be used by the customer to pay the restaurant bill.
    Type: Grant
    Filed: November 13, 2019
    Date of Patent: June 30, 2020
    Assignee: UP N' GO
    Inventor: Touradj Barman
  • Patent number: 10699349
    Abstract: Systems and methods are disclosed herein for processing data in connection with insurance information submissions. The system may be configured to receive entity data relating to an entity for which insurance coverage is sought, and query an interface of a third-party platform based on the entity data. The system may then be configured to receive third-party platform interface data from the third-party platform, analyze the data to determine a web site address for a web page on the third-party platform relating to the entity, and retrieve third-party platform web site data from the web page on the third-party platform indicative of content related to the entity. The system may be configured to pre-fill insurance forms relating to the entity based on the third-party platform data.
    Type: Grant
    Filed: November 20, 2017
    Date of Patent: June 30, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Lucas Raymond Roberts, Shane Eric Barnes, Peter T. Bothwell
  • Patent number: 10699345
    Abstract: According to some embodiments, data associated with a plurality of potential insurance customers may be received and analyzed to identify a set of similar potential insurance customers. For the set of similar potential insurance customers, at least one customized insurance parameter may be automatically determined and a customized insurance product, including a customized insurance premium value, may be created based on the customized insurance parameter. It may then be arranged for each of the similar potential insurance customers to receive an indication of the customized insurance product.
    Type: Grant
    Filed: October 3, 2014
    Date of Patent: June 30, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Michael F Atwell, Laura O'Connor Hanson, Stephen M. Jones
  • Patent number: 10699404
    Abstract: Methods and system for guiding user data capture during a scan of a vehicle using a mobile device are disclosed. A user may scan a vehicle using a camera or other sensors of the mobile device to capture data from which a three-dimensional virtual model may be generated. During the scanning process, models may be generated and evaluated according to quality metrics. Visual cues may be determined and presented to the user during scanning to indicate areas sufficiently scanned or areas requiring additional scanning to meet data quality requirements for model generation. Damage to vehicle components may be identified by analysis of the generated model, and addition data capture or user annotation entry may be directed based upon the identified damage.
    Type: Grant
    Filed: November 22, 2017
    Date of Patent: June 30, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Bryan R. Nussbaum, Rebecca Little, Kevin Mitchell, Nathan C. Summers, An Ho
  • Patent number: 10699353
    Abstract: Systems, methods, and computer program products for managing non-standard data. A data management system stores profile records for non-standard providers in a DTN database, and elements defining an itinerary in an EDR database. The data management system queries the DTN database for profiles matching search criteria, and generates a service request for one of the matching profiles. The service request is stored in an extended data structure of an extended data record in the EDR database. The extended data record includes a standard data structure for storing standard elements and the extended data structure for storing non-standard elements. The service request is also transmitted to non-standard provider systems. Service offers from the non-standard provider systems are stored in the extended data structure. The system thereby manages an itinerary that includes non-standard services defined by the non-standard elements and standard services defined by the standard elements using the extended data record.
    Type: Grant
    Filed: February 21, 2017
    Date of Patent: June 30, 2020
    Assignee: AMADEUS S.A.S.
    Inventors: Christel Charrat, Vanessa Fontebride, Olivier Tacaille, Taoufik Tazi, Olivier Kuffler
  • Patent number: 10692152
    Abstract: A parameter coordination computer system is interposed between a first asset type computer system, a second asset type computer system, and an event processing computer system. Responsive to a determination that an event involves both a first asset type and second asset type, an event processing computer extracts a first parameter from the first asset type computer system and a second parameter from the second asset type computer system, dynamically updates one of the asset type computer systems based on a determined one of the parameters, and sets a parameter coordination flag in the other of the asset type computer systems.
    Type: Grant
    Filed: November 8, 2017
    Date of Patent: June 23, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Carin Lynn Stepeck, Henry J. Winter, Stanley Michael Harasimowitz
  • Patent number: 10692314
    Abstract: A computer-implemented method for tracking a user includes: configuring a client device for entering: a starting point for a trip, a destination, mode of transportation, and indication of starting the trip; configuring the server for identifying a preferred route based upon: a distance of the trip, a crime rate of areas between the starting point and destination, and the mode of transportation configuring the server for calculating an allotted time for the trip; configuring the client device for continuously transmitting its location to the server; configuring the server for continuously monitoring the location of the client device; configuring the client device for selectively transmitting an alarm message to the server when the client device deviates beyond a threshold amount from the preferred route or the allotted time for the trip; and configuring the server for notifying a family member and local police when the panic alarm message is received.
    Type: Grant
    Filed: August 30, 2019
    Date of Patent: June 23, 2020
    Inventor: Daniel Kerning
  • Patent number: 10691522
    Abstract: A method of incident root cause analysis in an information technology (IT) system, wherein upon occurrence of an incident collecting changes to configuration items and/or system parameters on computer stations during a predetermined time prior to the incident, calculating a change lifetime for each of the collected changes, comparing the change lifetime to the time of occurrence of the incident to determine if the lifetime of the change is still valid, marking a probability value of zero for occurrence of the incident as a result of the change for changes with an expired lifetime value at the time of the incident, otherwise estimating a risk profile and calculating from it a probability value for occurrence of the incident as a result of the change, sorting the changes according to the probability value, and selecting a predetermined number of changes having the highest probability values for root cause analysis.
    Type: Grant
    Filed: January 24, 2016
    Date of Patent: June 23, 2020
    Assignee: E.S.I. SOFTWARE LTD
    Inventors: Bostjan Kaluza, Eyal Oz, Alexander Gilenson
  • Patent number: 10692160
    Abstract: Systems and approaches for estimating damage to property are described. In one approach, a damage estimation device is activated using a mobile computing device. This damage estimation device may then automatically capture (e.g., using an imaging sensor) a plurality of images of the damaged property. The damage estimation device may then calculate at least one characteristic of the damaged property from the plurality of captured images and further calculate at least one characteristic of the damage to the damaged property from the plurality of captured images. A repair estimate may then be calculated based at least on the at least one characteristic of the damaged property and the at least one characteristic of the damage. This repair estimate may then be transmitted.
    Type: Grant
    Filed: January 4, 2017
    Date of Patent: June 23, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Roxane Lyons, Andrew Crouthamel, Aaron Brucker, Gregory D. Carter
  • Patent number: 10692150
    Abstract: A crowd sourced based predictive system for detecting and analyzing actuarially significant activity, including high risk activities that may result in damage to an insured property, alerts users of the potential conditions and activities in order to assist with loss control and provide users with the ability to purchase insurance coverages relates to the conditions and activities.
    Type: Grant
    Filed: April 2, 2014
    Date of Patent: June 23, 2020
    Assignee: Hartford Fire Insurance Company
    Inventor: Patrick D. Brown
  • Patent number: 10689002
    Abstract: The present disclosure relates to a method and system for determining a safety score associated with driver. The method includes: obtaining, by at least one computer, historical transportation service transaction data associated with an identification of a target driver; extracting, by the at least one computer, at least one target feature based on the historical transportation service transaction data; obtaining, by the at least one computer, an estimation model for estimating a safety score that reflects a safety expectation of a driver during transportation services; determining, by the at least one computer, a safety score associated with the target driver based on the estimation model and the at least one target feature; and providing, by the at least one computer, an offer to enter a contract to the target driver based on the safety score.
    Type: Grant
    Filed: December 26, 2018
    Date of Patent: June 23, 2020
    Assignee: BEIJING DIDI INFINITY TECHNOLOGY AND DEVELOPMENT CO., LTD.
    Inventor: Hao Chen
  • Patent number: 10692151
    Abstract: Methods, systems, and computer readable media are disclosed for determining a homeowners insurance quote from a captured image of a dwelling. The captured image includes geotagged information, and the address of the dwelling is determined by reverse geocoding this information. An insurance premium quote may then be generated based on the reverse geocoded address and any additional risk assessment factors, such as the building characteristics. Verification of the address may also be performed by accessing one or more databases, which may store information including addresses, coordinates, and images associated with the address. The building characteristics may be retrieved from one or more of the databases to allow for quote generation with minimal user intervention. Matching properties having comparative quotes near the dwelling address may also be generated.
    Type: Grant
    Filed: August 2, 2017
    Date of Patent: June 23, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Timothy Kiper, Dwayne Taylor, Jeffrey Howard Abel, Amy Engelhorn
  • Patent number: 10685395
    Abstract: In accordance with one or more preferred implementations, graphical user interfaces (GUIs) for a mobile application or website provide the ability for a user to lease a vehicle online in a streamlined and user-friendly manner. In accordance with one or more preferred implementations, GUIs provide the ability for a user to review available vehicles and vehicle specifications, select a vehicle, request a lease for the selected vehicle, view outstanding action items necessary to finalize the lease and receive delivery of the vehicle, and complete the outstanding action items.
    Type: Grant
    Filed: September 12, 2018
    Date of Patent: June 16, 2020
    Assignee: Rodo Inc.
    Inventors: Noson Hecht, Amir Lahav
  • Patent number: 10679294
    Abstract: A method for determining the relative mortality risk of an individual as compared to their age/sex/tobacco-use peers. This relative mortality risk may be used in underwriting a life or medical insurance policy.
    Type: Grant
    Filed: October 5, 2015
    Date of Patent: June 9, 2020
    Assignee: QUEST DIAGNOSTICS INVESTMENTS INCORPORATED
    Inventor: Brian Lanzrath
  • Patent number: 10679295
    Abstract: Case analysis is provided in which costs are associated with case information such as service request data. A description of defect classifications may be defined using keywords and attributes. A database query is generated based on the description of defect classifications to classify case information by problem type to a domain and a component. The description of defect classifications may be applied to a result of the database query to perform problem classification analysis. A cost analysis may be performed by problem group based at least on the case information associated with cost information and the result of the database SQL query.
    Type: Grant
    Filed: September 30, 2016
    Date of Patent: June 9, 2020
    Assignee: EMC IP HOLDING COMPANY LLC
    Inventors: Mark Opperman, Ryan Montgomery, Eric Schnegelberger
  • Patent number: 10679297
    Abstract: A system may include a vehicle system configured to monitor one or more monitor variables related to a vehicle. The system may also include a processor that may receive a selection of the one or more monitor variables to monitor and receive data from the vehicle system. The data may be limited based on the selection of the one or more monitor variables. The processor may then determine a fixed rate premium for at least two years based on the data and display a visualization that may include the fixed rate premium on a display.
    Type: Grant
    Filed: June 6, 2017
    Date of Patent: June 9, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Stephen Young, Michael A. Merwarth, Jon-Michael Kowall, Michael Kyne, Carolyn Knopf
  • Patent number: 10672000
    Abstract: Computer bypass systems and methods using a customer portal of a core account computer system to bypass a core account provider computer system are disclosed. One method comprises receiving at a loan computer system a loan request from an electronic client device and obtaining core account access information comprising a core account provider identifier and core account authentication credentials of the client for a customer portal of the core account computer system. The loan computer system can use the core account authentication credentials to access the core account customer portal and obtain a core account balance and a maximum allowable loan limit. The loan computer system can provide machine readable instructions to render a graphical user interface indicating the maximum allowable loan limit and can receive a requested loan amount, which is used to transfer funds from the core fund to create a loan fund.
    Type: Grant
    Filed: March 18, 2016
    Date of Patent: June 2, 2020
    Assignee: Access Control Advantage, Inc.
    Inventors: Bruce Bent, II, David Edgar Gareis, Thomas T. Makeever, Kenneth Simons
  • Patent number: 10672081
    Abstract: A computer-implemented method for providing data associated with insured losses is presented. Data regarding an event that is a cause of the insured losses may be received. Respective indications of locations of properties insured by an insurance provider and sustaining the insured losses may be received. Image data from at least one image capturing device, where the image data is obtained from an aerial view of the properties and indicative of respective conditions of the properties, may be received. The image data may be processed to determine, for each property, an indication of the respective condition. The data associated with the insured losses may be provided via a user interface. The data associated with the insured losses may include (i) the respective indications of the locations of the properties, and (ii) the indications of the respective conditions of the properties.
    Type: Grant
    Filed: January 4, 2017
    Date of Patent: June 2, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Roxane Lyons, John H. Jenkins, Brian N. Harvey, Amber L. Wyatt
  • Patent number: 10672082
    Abstract: Insurance premiums for seasonal products may be generated. The insurance premium may be calculated by determining a historic seasonal variation in aggregate risk to an insurer; determining a predicted seasonal variation in aggregate risk to the insurer; and generating a premium installment payment schedule. The predicted seasonal variation in aggregate risk to the insurer may be based on the historical seasonal variation in aggregate risk. The premium installment payment schedule may be based on the predicted seasonal variation in aggregate risk. The monthly insurance premium may vary throughout the year and be based on a seasonal predicted risk to an insurer.
    Type: Grant
    Filed: October 18, 2017
    Date of Patent: June 2, 2020
    Assignee: Allstate Insurance Company
    Inventors: Jeffrey T. May, Richard J. Taranda
  • Patent number: 10671704
    Abstract: Systems, methods, and non-transitory computer-readable storage media for gathering activity data describing a user's activities from one or more activity sensors and using the activity data to predict immune-response to the activity. Predicting immune-response can involve creating, personalizing, and refining immune-response prediction models based on demographic user data, activity data, blood sample data, personal genetic information.
    Type: Grant
    Filed: July 20, 2016
    Date of Patent: June 2, 2020
    Assignee: PRIOBIO, LLC
    Inventors: Timothy Webb, Jesse Cotari, Justin Rebo, Stuart Alexander Jacobson
  • Patent number: 10664917
    Abstract: Personalized insurance systems, including vehicle-based devices and modules, insurance system servers, personal mobile devices, and other computing devices, may operate individually or in combination to determine and implement personalized vehicle insurance policies. Such policies may be driver-specific, time-specific, vehicle-specific, and/or driving-trip specific. Various driver data, vehicle data, and driving trip data may be received and analyzed in order to determine usage-based insurance parameters for vehicle driving and non-driving activities. Personalized vehicle insurance policies may be presented to and accepted by drivers, after which the drivers and one or more associated vehicles may be monitored to detect and store vehicle usage data in accordance with the personalized insurance policy.
    Type: Grant
    Filed: June 20, 2014
    Date of Patent: May 26, 2020
    Assignee: Allstate Insurance Company
    Inventor: Robert Wasserman
  • Patent number: 10665039
    Abstract: A distributed system for monitoring and control of a vehicle includes a supervisory controller with a first computer readable storage media for monitoring and storing a plurality of operational parameters regarding a physical system of the vehicle. The supervisory controller communicates with a server via two different communications networks. Method steps are provided for characterizing and predicting functional details of a system state of the physical system using the model parameters and at least one operational parameter of the physical system, and for using values obtained by the server regarding a plurality of different vehicles in order to improve the monitoring and control of the vehicle. A method is also provided to determine and report any operational parameters miss a corresponding performance target. A method is also provided for changing the storage or transmission of operational parameters based on their relative importance.
    Type: Grant
    Filed: December 11, 2017
    Date of Patent: May 26, 2020
    Assignee: Traffilog Ltd.
    Inventors: Donald James Remboski, Jacqueline A. Dedo, Dani Shafriri, Asi Biton, Arik Greenberger
  • Patent number: 10664806
    Abstract: The present disclosure relates to systems and methods for optimizing benefits plan options offered by an organization through balancing derived population preferences with organizational preferences by analyzing historical selections made by individuals. Census data dividing members of an organization into census divisions may be applied to machine learning algorithm(s) to derive estimated selection preferences of the members. Using selection preferences, costs of various product offering scenarios and overall member satisfaction estimates of the scenarios may be calculated. Product offering scenarios meeting member preference criteria and organizational budget criteria may be presented for review.
    Type: Grant
    Filed: August 28, 2019
    Date of Patent: May 26, 2020
    Assignee: Aon Global Operations Ltd (Singapore Branch)
    Inventors: Michael Morrow, Salina Shah, Todor Penev, Andy Rallis, Kartick Subramanian
  • Patent number: 10663440
    Abstract: A breath alcohol device calibration system includes a computerized calibration module operable to calibrate a breath alcohol device, and an interface operable to couple the breath alcohol device to a remote server. The interface uses a connection employing a cryptographic function such that data stored on the breath alcohol device can be securely transferred from the breath alcohol device to the remote server using the calibration system. The interface is further operable to transfer data stored on the breath alcohol device from the breath alcohol device to the remote server directly without storing the data in nonvolatile storage on the calibration station.
    Type: Grant
    Filed: September 9, 2016
    Date of Patent: May 26, 2020
    Assignee: Consumer Safety Technology, LLC
    Inventors: Douglas Edward DeVries, Scott Ruland
  • Patent number: 10657598
    Abstract: A system and method for use of carbon emissions in characterizing driver performance and using such characterization to determine a profile/score associated with a particular insured. The profile/score can then be used to determine an insurance premium for the insured. In accordance with an embodiment, a driver can use a portable device equipped with a data collection and assessment environment, including one or more data collection devices that can be used to capture data and information or otherwise measure the carbon emissions associated with a vehicle. A framework (system) can receive information about the driver's driving profile, and use this information either to determine an insurance quote, or act as a broker/aggregator in inviting other insurance providers to offer an insurance quote, or usage based insurance quote (UBI).
    Type: Grant
    Filed: April 10, 2013
    Date of Patent: May 19, 2020
    Assignee: Scope Technologies Holdings Limited
    Inventors: Samuel Lavie, Johann Van den Bergh, Gil Fuchs, Friedl Jacobs
  • Patent number: 10657602
    Abstract: Proposed are a system and a method for a dynamically triggered risk-transfer system based on an automatically steered, floating recoverable basis. The system triggers coupled first and second insurance systems providing self-sufficient risk protection for a variable number of defined risk exposure components. In the case of the occurrence of one of the defined risk events, the occurred loss is automatically covered by the first insurance system.
    Type: Grant
    Filed: September 8, 2017
    Date of Patent: May 19, 2020
    Assignee: Swiss Reinsurance Company Ltd.
    Inventors: Andrea Scascighini, Claudio Troehler, Daniel Trzesniak
  • Patent number: 10650460
    Abstract: According to some embodiments, data may be received indicative of a plurality of insurance claims. A risk transfer opportunity platform processor may, based on the received data, identify an insurance claim as being associated with a potential risk transfer opportunity. For the identified insurance claim, the risk transfer opportunity platform processor may automatically arrange for a potential risk transfer user interface to be displayed to a claim handler and may receive, via the potential risk transfer user interface, recovery details from the claim handler, including an overall total damage value and a high and low risk transfer value. A summary report may then be automatically generated for a plurality of insurance claims based in part on the recovery details received from the claim handler, and an indication of the summary report may be transmitted.
    Type: Grant
    Filed: June 22, 2015
    Date of Patent: May 12, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Daniel Lee Bostic, Paul J. Edwards, Andrew J Reed, Michael Adam Scott, Keren Shemesh
  • Patent number: 10650474
    Abstract: Examples described herein include a computer system to obtain social network content from a user, and to analyze the social network content to determine one or more attributes. The computer system predicts a lifestyle category of the user based at least in part on the determined one or more attributes.
    Type: Grant
    Filed: September 22, 2016
    Date of Patent: May 12, 2020
    Assignee: Hi.Q, Inc.
    Inventors: Shuo Jiao, Munjal Shah, Ryan Hinchey, Cathy Ye Fan, Ardaman Singh
  • Patent number: 10641611
    Abstract: Systems and methods relate to, inter alia, calculating a number of expected collisions in an area over a time period. The systems and methods may further determine a number of observed collisions in the area over the time period. The systems and methods may further calculate a risk index for the area based upon a comparison between the number of expected collisions and the number of observed collisions. The systems and methods may further select a travel route for a vehicle based upon the risk index.
    Type: Grant
    Filed: January 23, 2019
    Date of Patent: May 5, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John A. Nepomuceno, Leo Chan, Steven Cielocha, Roxane Lyons, Matthew S. Megyese, William J. Leise, Jennifer Criswell Kellett, Kristopher Keith Gaudin, Jennifer L. Crawford, Jeremy Myers, Edward P. Matesevac, III, Rajiv C. Shah