Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Patents (Class 705/4)
  • Patent number: 11027841
    Abstract: A response system may be provided. The response system may include a security system and an autonomous drone. The security system includes a security sensor and a controller. The drone includes a processor, a memory in communication with the processor, and a drone sensor. The processor may be programmed to link the drone to the controller, build a virtual navigation map of the coverage area based, at least in part, upon initial sensor data stored by the drone, determine that the coverage area is unoccupied, deploy the drone from a docking station, control movement of the drone within the coverage area based upon the virtual navigation map, collect drone sensor data of the coverage area using the drone sensor, and/or analyze the collected drone sensor data to identify an abnormal condition within the coverage area, the abnormal condition including at least one of damage or theft occurring within the coverage area.
    Type: Grant
    Filed: April 23, 2020
    Date of Patent: June 8, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Bryan Flick
  • Patent number: 11030702
    Abstract: A mobile insurance architecture includes a wireless communication interface that connects mobile client devices to wireless networks. An insurance server cluster that includes a group of independent network servers operates and appears to mobile client devices as if the group of independent network servers were a single computer server. An adaptive transmission controller communicates with the insurance server cluster and processes content in multiple mobile formats that may be optimized to the screen sizes of the mobile client devices. The insurance server cluster responds to native application clients resident to the mobile client devices. The native application clients contain code stored on a non-transitory media that render insurance quoting services, insurance claims services, on-line insurance policy services, usage based insurance services, mobile monitoring services, or insurance agency management services.
    Type: Grant
    Filed: August 12, 2019
    Date of Patent: June 8, 2021
    Assignee: PROGRESSIVE CASUALTY INSURANCE COMPANY
    Inventors: Matthew Daniel Lehman, Bradley Thomas Philips, Pawan Kumar Divakarla, Toby Kramer Alfred, William Curtis Everett, Brian Joseph Surtz, Raymond Scott Ling
  • Patent number: 11030598
    Abstract: This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals. The system is adapted to provide a function to manage open checks that correspond to retail customers whose transactions are pending. The system is also adapted to permit service personnel to manage open checks by splitting them into multiple checks or merging multiple checks into one check.
    Type: Grant
    Filed: June 23, 2015
    Date of Patent: June 8, 2021
    Assignee: Lightspeed Commerce USA Inc.
    Inventors: Jason Richelson, Jason Ordway
  • Patent number: 11030696
    Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: June 8, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
  • Patent number: 11026634
    Abstract: System and method for determining physiological parameters of a person are disclosed. A physiological parameter may be obtained by analyzing a facial image of a person, and determining, from the facial image, a physiological parameter of the person by processing the facial image with a data processor. A neural network model such as regression deep learning convolutional neural network is used to predict the physiological parameter. An image processor screens out images which can't be recognized as facial images and adjust facial images to frontal facial images for predicting of physiological parameters.
    Type: Grant
    Filed: April 5, 2018
    Date of Patent: June 8, 2021
    Inventors: Walter De Brouwer, Apurv Mishra, Samia De Brouwer
  • Patent number: 11021171
    Abstract: An example operation may include one or more of collecting a set of driving data, estimating, from the set of driving data, one or more states that are predictive of an elevated driving risk of an adverse event endangering at least one of a driver, a vehicle's occupants or a vehicle's cargo, determining, from the one or more estimated states, an existence of an elevated driving risk, and alerting at least one of the vehicle, driver or the vehicle's occupants to the existence of the elevated driving risk.
    Type: Grant
    Filed: October 8, 2018
    Date of Patent: June 1, 2021
    Assignee: International Business Machines Corporation
    Inventors: Josh Andres, John Wagner, Timothy M. Lynar
  • Patent number: 11024102
    Abstract: The present disclosure provides systems and methods for remote vehicle diagnostics. The remote vehicle diagnostics are obtained based on a vehicle identification number for a vehicle connected to an electrical connector of a vehicle diagnostic system host device. A vehicle electronic configuration file is provided to the host device to control access to one or more vehicle control modules.
    Type: Grant
    Filed: May 10, 2018
    Date of Patent: June 1, 2021
    Assignee: MAHLE International GmbH
    Inventors: Louis Bolt, Charles Kinkade, Dustin Hoskins, Chris Palmer
  • Patent number: 11023980
    Abstract: A graphical representation is provided that displays a user's insurance coverage via the graphical representation, the user may request information about various aspects of the coverage and/or may request to chat or speak with a representative that specializes in a particular coverage area. The graphical representation may show how the user's insurance coverage compares to population groups and medians. A user may adjust the coverage on the graphical representation and be provided with a revised premium amount. The user may select this coverage to be implemented and the user's policy may be appropriately revised.
    Type: Grant
    Filed: December 6, 2018
    Date of Patent: June 1, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventor: John Chandler Hopkins
  • Patent number: 11023981
    Abstract: Appearance data associated with a target commodity is collected by a blockchain node device, where original appearance data associated with the target commodity is registered with a distributed database associated with a blockchain in advance. Whether a damage event occurs on the target commodity is determined by the blockchain node device based on the appearance data and the original appearance data. In response to a determination that the damage event occurs on the target commodity, a smart contract corresponding to the target commodity is invoked by the blockchain node device. Commodity damage claim logic stated in the smart contract is executed by the blockchain node device to complete a commodity damage claim for the target commodity.
    Type: Grant
    Filed: July 30, 2020
    Date of Patent: June 1, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Danqing Hu
  • Patent number: 11023965
    Abstract: System, methods, and apparatuses provide customizable product features according to consumer preferences. Demand simulators guide the creation of optimized packages of features, which consumers may select from to form a product appropriate for their particular needs. Packages may be formed with a particular appeal to consumers with common needs, wants, or characteristics. In addition, methods, systems, and apparatuses are provided for presenting such products for consideration by customers over a network. Presented products may be formed through an optimization process or according to customer preferences.
    Type: Grant
    Filed: December 11, 2017
    Date of Patent: June 1, 2021
    Assignee: Allstate Insurance Company
    Inventors: Floyd M. Yager, Thomas J. Wilson
  • Patent number: 11017477
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to process audio and visual data. One of the methods includes receiving, from a mobile device, image data and audio data, wherein the image data and audio data were obtained within the same time frame. The method includes processing the image data to identify a first set of facts. The method includes processing the audio data to identify a second set of facts. The method includes processing meta-data associated with the image data to identify a third set of facts. The method also includes performing at least one process using the first set of facts, the second set of facts, and the third set of facts.
    Type: Grant
    Filed: August 29, 2017
    Date of Patent: May 25, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory David Hansen, Andre R. Buentello
  • Patent number: 11017664
    Abstract: Concepts and technologies directed to an integrated telecommunications roadside unit for supporting vehicle-to-everything (“V2X”) communications are disclosed herein. Embodiments of an integrated telecommunications roadside unit can include a processor and a memory that store computer-executable instructions that configure a processor to perform operations. The operations can include intercepting a vehicle-to-vehicle communication that is provided from a first vehicle to a second vehicle. The vehicle-to-vehicle communication can be transmitted using a direct transmission mode. The operations can further include encapsulating the vehicle-to-vehicle communication in a user plane package. The operations can also include routing the user plane package to a destination network access node, where the destination network access node is outside of a direct communication range corresponding to the first vehicle and the second vehicle.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: May 25, 2021
    Assignees: AT&T Mobility II LLC, AT&T Intellectual Property II, L.P.
    Inventors: Zachery Carter, Roger Mahler, Erie Lai Har Lau, Sangar Dowlatkhah
  • Patent number: 11017058
    Abstract: A network-based, collaborative, medical expert system and method for its use, the system is adapted to receive patient billing data from a plurality of care providers worldwide, the patient billing data including billing codes and de-identified patient data, the system further comprising an analysis component adapted to transform the billing codes and the patient data into multidimensional vectors and super-vectors, analyze the super-vectors via vector analysis to correlate diagnoses, treatment regimens, and treatment results with ailments of human anatomy, physiology, and psychology, and return a collaborative patient treatment guide to a user interface of at least a subset of the plurality of care providers, based on a continuous real time receipt of patient billing data, transformation of the billing data, and analysis of the super-vectors.
    Type: Grant
    Filed: November 18, 2016
    Date of Patent: May 25, 2021
    Inventors: Kwesi McDavid-Arno, Charles Edward Hoffler, II
  • Patent number: 11017472
    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 24, 2020
    Date of Patent: May 25, 2021
    Assignee: Allstate Insurance Company
    Inventors: Randall M. Hanson, Joel DeWall, Jamin Ejupi
  • Patent number: 11010827
    Abstract: An integrated transaction platform facilitates a transaction, such as a purchase of a vehicle or other item. The platform provides a pre-negotiated purchase price for the item to facilitate a transaction to purchase the item from a seller, the transaction being substantially frictionless from the buyer's perspective. The pre-negotiation can involve a reverse auction process in which sellers bid to sell the item to a buyer. After the buyer has identified a particular item for purchase, sellers that have the item available are notified to provide a bid indicating a price at which the seller is willing to sell the item. The lowest bid is selected, and a purchase agreement is finalized based on the lowest bid. After the agreement is finalized, the buyer can accept delivery of the item without further negotiation with the seller, and thus with substantially reduced friction compared to traditional purchase scenarios.
    Type: Grant
    Filed: August 30, 2018
    Date of Patent: May 18, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian Latronico, Teresa A. Mays, Claudia Anne Luna, David Anthony Phelps, Kevin W. Thornley, Tracy Lent, James Malcolm Spears
  • Patent number: 11012526
    Abstract: Methods, computer-readable media, software, and apparatuses may receive, at a field vehicle, field data from one or more unmanned autonomous vehicles, where the field data may be indicative of an item for assessment. Edge-computing, based on machine learning techniques, may be performed at the field vehicle to identify one or more characteristics of the assessment, and a projected cost may be determined. An estimate may be sent to a consumer. In some aspects, the projected costs may be based on local data related to a geographical location of the item. In another aspect, underwriting tasks may be performed at the field vehicle, and a quote may be sent to a consumer.
    Type: Grant
    Filed: September 19, 2019
    Date of Patent: May 18, 2021
    Assignee: Allstate Insurance Company
    Inventors: Younuskhan Mohamed Iynoolkhan, Surender Kumar, Nilesh Malpekar, Charles Peavie
  • Patent number: 11010837
    Abstract: Systems and methods for performing insurance damage inspection by an unmanned aerial vehicle (UAV) are provided. A computing device may receive a request to inspect a vehicle, the request comprising a location of the vehicle. The computing device may identify a UAV from a plurality of UAVs that is located closest to the location of the vehicle from other UAVs in the plurality of UAVs. The computing device may instruct the UAV to travel to the location of the vehicle. The computing device may instruct the UAV to collect damage information on the vehicle using one or more onboard sensors of the UAV. The computing device may determine an amount of insurance payout to approve for repairs to the vehicle based on the damage information collected by the UAV.
    Type: Grant
    Filed: September 5, 2018
    Date of Patent: May 18, 2021
    Assignee: Allstate Insurance Company
    Inventors: Clint J. Marlow, Bryan Keith Corder
  • Patent number: 11001272
    Abstract: A method for controlling a vehicle includes: receiving, by a controller, route data, wherein the route data is continuously updated while the vehicle is moving, and the vehicle includes a plurality of vehicle operating modes; receiving, by the controller, feature data, wherein the feature data is information about a plurality of features needed for each of the plurality of vehicle operating modes; determining, by the controller, a plurality of ranges for each of the plurality of vehicle operating modes, wherein each of the plurality of ranges is a function of the route data and the feature data for each of the plurality of vehicle operating modes; and commanding, by the controller, a user interface to display a list of range-mode combinations, wherein the list of range-mode combinations includes the plurality of ranges for each of the plurality of vehicle operating modes.
    Type: Grant
    Filed: February 5, 2019
    Date of Patent: May 11, 2021
    Assignee: GM Global Technology Operations LLC
    Inventors: Unmesh Dutta Bordoloi, Shige Wang, Xinyu Du
  • Patent number: 11003643
    Abstract: The present disclosure relates clustering similar data records together in a hierarchical clustering scheme. Each tier in a cluster corresponds to a minimal match score, which reflects a degree of confidence. In this respect, a higher confidence may lead to smaller sized clusters while a lower confidence may lead to larger sized clusters. Ordinal classification may be used to generate hierarchical clusters. In some embodiments, hierarchical clustering with conflict resolution is used to resolve user-defined hard conflicts in each tier of the clustering results.
    Type: Grant
    Filed: April 30, 2019
    Date of Patent: May 11, 2021
    Assignee: AMPERITY, INC.
    Inventors: Yan Yan, Stephen Keith Meyles, Graeme Andrew Kyle Roche, Jeffrey Allen Stokes, Carlos Minoru Sakoda, Dan Suciu
  • Patent number: 11002540
    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 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. As a result, innocent drivers or vehicles may not be unfairly penalized for vehicle collisions not their fault.
    Type: Grant
    Filed: October 25, 2018
    Date of Patent: May 11, 2021
    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: 11004341
    Abstract: A vehicle collision avoidance supporting apparatus may include a situation determination unit configured to determine whether it is a situation that there exists no moving object proceeding in a direction crossing a traveling direction of the vehicle; a first sensor and configured to detect an object ahead of the vehicle; and an avoidance operation controller configured to cause the vehicle to perform a predetermined avoidance operation for avoiding a collision in accordance with a detection result of the first sensor in a determination region ahead of the vehicle. The avoidance operation controller uses a region which is narrower in a direction perpendicular to the travelling direction and parallel to a horizontal direction as the determination region when it is the situation that there exists no moving object than when it is not the situation that there exists no moving object.
    Type: Grant
    Filed: December 27, 2017
    Date of Patent: May 11, 2021
    Assignee: DENSO CORPORATION
    Inventors: Takahiro Baba, Takaharu Oguri, Yosuke Ito, Kei Kamiya
  • Patent number: 10994727
    Abstract: Event-based and subscription-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises receiving first data acquired by a first plurality of vehicle operation sensors of a first vehicle from a first computing device associated with a first subscriber, identifying an occurrence of an event involving a second vehicle and a third vehicle based on the first data, receiving second data acquired by a second plurality of vehicle operation sensors of the second vehicle, identifying which vehicle of the second vehicle or the third vehicle is at-fault based on the first data and the second data, determining, for the first subscriber and responsive to determining that the first data was used in determining which of the first vehicle or the second vehicle is at-fault, one or more objects, and transmitting the one or more objects to the first computing device.
    Type: Grant
    Filed: March 26, 2019
    Date of Patent: May 4, 2021
    Assignee: Allstate Insurance Company
    Inventors: Surender Kumar, Clint J. Marlow, Timothy W. Gibson, Mark V. Slusar, Chris Wiklund, Younuskhan Mohamed Iynoolkhan
  • Patent number: 10997667
    Abstract: Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for programmatically predicting policy transactions using machine learning.
    Type: Grant
    Filed: September 7, 2018
    Date of Patent: May 4, 2021
    Assignee: Liberty Mutual Insurance Company
    Inventors: Sung Hoon Kim, Shweta Gadgil, Joshua Harvey, Lingge Li
  • Patent number: 10997413
    Abstract: A system and method for obtaining target views of a vehicle is disclosed. A seller of a vehicle may seek to obtain one or more target views of the vehicle. To obtain the target views, the user may use a smartphone with an app that accesses the video stream while the user walks around or inside the vehicle. When the app identifies a frame in the video stream as one of the target views sought, the app tags the frame as an image of one of the target views. Further, the user may provide additional input, such as voice input (as part of the video stream) or manual taps on the touchscreen of the smartphone. The additional input may be used for damage assessment or sentiment analysis of the vehicle.
    Type: Grant
    Filed: October 30, 2018
    Date of Patent: May 4, 2021
    Assignee: NthGen Software Inc.
    Inventors: Mark Endras, Li Zhang, Yunlei Zhang, Nataliya Portman, Akbar Nurlybayev
  • Patent number: 10997669
    Abstract: Telematics and external data relating to the real-time driving of a driver of a taxi vehicle may be collected and used to calculate a driving score. A telematics device installed in the taxi vehicle may collect vehicle data, trip data, and passenger data from one or more sensors. A computing device in communication with the telematics device may calculate a driving score for the taxi vehicle during a trip based on a type of vehicle, a type of trip, a number of miles driven during the trip, a duration of the trip, a number of passengers in the taxi vehicle during the trip, and a type of the passengers in the taxi vehicle during the trip. As one example, the driving score may be provided to an employer of a driver of the taxi vehicle.
    Type: Grant
    Filed: June 13, 2019
    Date of Patent: May 4, 2021
    Assignee: Allstate Insurance Company
    Inventors: Daniel Kraft, Thomas Michael Warden, Eric Huls, Nathan M. Bryer, Margaret A. Brinkmann
  • Patent number: 10997663
    Abstract: A weather event computing device for transmitting weather notifications to policyholders is provided. The weather event computing device receives, from a weather reporting device, weather data for a region. The weather event computing device (i) determines from the weather data that the region is expected to experience a weather event, and (ii) identifies an insured property associated with the policyholder located within the region. A notification is transmitted to the policyholder's mobile device, advising the policyholder that the property may be impacted by the weather event. Pre and post-event drone or other aerial image data of insured properties may be used to estimate insurance claims for the insured, and facilitate prompt payout of insurance monies to those displaced or otherwise impacted by a weather event.
    Type: Grant
    Filed: February 29, 2016
    Date of Patent: May 4, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Amber Wyatt, Joe Mora, John H. Jenkins
  • Patent number: 10990357
    Abstract: An example application build automation system can include a management engine configured to receive a first set of definitions corresponding to a first configuration file, receive a second set of definitions corresponding to a second configuration file, generate a first VSCI image using the first configuration file, and generate a second VSCI image using the second configuration file. The example system may further include a build engine configured to receive the first VSCI image and the second VSCI image, generate a build configuration based on the first VSCI image and the second VSCI image, and deploy the build configuration to generate a plurality of build artifacts.
    Type: Grant
    Filed: May 22, 2018
    Date of Patent: April 27, 2021
    Assignee: VMware, Inc.
    Inventors: Sergio Sanchez, Stanislav Hadjiiski
  • Patent number: 10991245
    Abstract: Disclosed is a system and method of two-way wireless-communication of vehicular status with one or more different recipient computer servers operated by one or more third parties to promote safer driving. The wireless-communication is based on the low-power, wide-area communication technology, particularly Random Phase Multiple Access (RPMA) communication network. The system consists of a device connected to an On-board diagnostics (OBD) port on the vehicle and onboard sensors whose data are locally processed to provide guidance to the driver. The device utilizes an audio unit, a display unit, and/or a combination thereof to warn about a potential hazard. The device further includes a plurality of sensors to sense the plurality of events.
    Type: Grant
    Filed: January 22, 2019
    Date of Patent: April 27, 2021
    Assignee: RPMA Investments ApS
    Inventors: Jan Olsen, Frederic Lyman Wohl
  • Patent number: 10989556
    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 determine one or more travel routes for a vehicle based upon the calculated risk index. The systems and methods may further display a notification depicting the one or more travel routes to facilitate routing of the vehicle that avoids traversing the area.
    Type: Grant
    Filed: March 26, 2020
    Date of Patent: April 27, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John A. Nepomuceno, Rajiv C. Shah, Leo Nelson 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
  • Patent number: 10990938
    Abstract: Described herein are methods and systems for administering a life insurance policy that provide an alternative to the traditional approach by querying a client for a set of coverage objectives and using a set of algorithms to automatically adjust billed premiums on an ongoing basis to maintain the client-specified coverage objectives—a methodology referred to herein as “dynamic billing.” Dynamic billing enables clients to take corrective action sooner than it would otherwise be taken and/or provides an automated mechanism or prompt for clients to take such action on an ongoing basis. For example, in certain embodiments, the disclosed technology computes adjusted premiums and allows the policy owner to be billed the amount required to keep his/her policy on track with his/her current insurance policy objectives.
    Type: Grant
    Filed: November 17, 2015
    Date of Patent: April 27, 2021
    Assignee: John Hancock Life Insurance Company (U.S.A.)
    Inventors: Matthew F. Gabriel, James J. Bowman, Neal P. Kerins
  • Patent number: 10991170
    Abstract: A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, sensor data representing information collected by a sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle, and storing the received sensor data in the memory. The method also includes processing the stored sensor data to determine conditions in which the second vehicle was driven, driving habits of a driver of the second vehicle, and an identifying characteristic of the second vehicle. The method further includes identifying the driver of the second vehicle using the identifying characteristic, and determining a risk level for the driver of the second vehicle using the determined conditions and driving habits.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: April 27, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Todd Binion, Joe Harr, Brian Fields, Steven Cielocha, Steve J. Balbach
  • Patent number: 10991020
    Abstract: An apparatus for pricing offers of healthcare services includes an application server providing a pricing tool, and a service pricing information database and a cost adjustment information database that are accessible by the application server. The pricing tool is operable to receive an indication of a healthcare service set that is respectively associated with a service detail information record included in the service pricing information database, determine a base physician fee for a primary service of the indicated healthcare service set based on base pricing metrics for the primary service included in the service detail information record, receive an indication specifying a location for performing the primary service, calculate an adjusted physician fee for the primary service based on cost adjustment metrics for a geographic zone that corresponds to the specified location, and provide a recommended price for the indicated healthcare service set based on the calculated adjusted physician fee.
    Type: Grant
    Filed: July 2, 2019
    Date of Patent: April 27, 2021
    Assignee: MDSAVE SHARED SERVICES INC.
    Inventors: Paul J. Ketchel, III, Ani Osborne
  • Patent number: 10991049
    Abstract: A first inspection of insured property is performed to detect hazardous conditions related to the insured property. This first inspection is performed using a first set of imagery data received from one or more imagery data sources. One or more preventive measures are recommended to address the detected hazardous conditions based on analysis of the first set of imagery data. A second inspection is performed using a second set of imagery data received from the imagery data sources. The second inspection is performed to verify that recommended preventive measures have been taken. The first and second sets of imagery data may contain satellite and aerial imagery. The imagery data sources may provide information such as an image of an insured property's roof, an image of a terrain surrounding the insured property, or any other aerial images.
    Type: Grant
    Filed: September 23, 2015
    Date of Patent: April 27, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Tearanie Kennedy, Michael J. Allen, Spencer Read, Elizabeth J. Rubin, Mark A. Zuwala, Mark F. Davis, Kathleen L. Swain
  • Patent number: 10983982
    Abstract: A system and method approves a submission of information. The information includes field data from a data source system. The system communicates the submission to a data validation system and receives, from the data validation system, validation data that defines a validation response. The system communicates information indicative of the validation response to the data source system. The system predicts validation responses for subsequent submissions of information.
    Type: Grant
    Filed: February 28, 2017
    Date of Patent: April 20, 2021
    Assignee: Accenture Global Solutions Limited
    Inventors: Brian C. Christian, Theresa M. Gaffney, Roger D. Stones
  • Patent number: 10977923
    Abstract: According to the present invention, a water region detecting unit (11) detects, in a determination target region set in an input image captured of a river, a water region covered by water. An area ratio calculating unit (12) calculates the ratio of the area of the water region to the area of the determination target region. A risk level determining unit (13) calculates the level of flooding risk of the river on the basis of the calculated ratio.
    Type: Grant
    Filed: November 30, 2018
    Date of Patent: April 13, 2021
    Assignee: NEC CORPORATION
    Inventor: Masumi Ishikawa
  • Patent number: 10977944
    Abstract: A vehicle collision avoidance support apparatus includes a state determination unit configured to determine whether or not there is a state where a moving object proceeding in a direction intersecting with a traveling direction of a vehicle may exist; a first sensor configured to detect an object in front of the vehicle; and an avoidance operation control unit configured to cause the vehicle to perform a predetermined avoidance operation for avoiding a collision according to a detection result of the first sensor within a determination region in front of the vehicle. The avoidance operation control unit uses a region that is wider in a direction perpendicular and horizontal to the travelling direction as the determination region when it is determined that there is a state where the moving object may exist in comparison with when it is determined that there is no state where the moving object may exist.
    Type: Grant
    Filed: December 27, 2017
    Date of Patent: April 13, 2021
    Assignee: DENSO CORPORATION
    Inventors: Takahiro Baba, Takaharu Oguri, Yosuke Ito, Kei Kamiya
  • Patent number: 10977738
    Abstract: In an illustrative embodiment, systems and methods for monitoring insurance claims include identifying, based on predetermined monitoring frequency, insurance claims identified for vulnerability detection processing. Vulnerability detection features may be extracted from data files of the claims, which provide an indication of claim handling deficiencies that can cause claim leakage. A trained vulnerability detection data model can be used to detect claim handling vulnerabilities within the extracted vulnerability detection features where each of the vulnerabilities may include a likelihood of the vulnerability resulting in claim leakage. The vulnerability detection data model may be trained with a data set customized to a respective insurance provider for each claim. Vulnerability scores indicating an overall likelihood of claim leakage can be calculated for the claims based on the detected claim handling vulnerabilities.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: April 13, 2021
    Assignee: Futurity Group, Inc.
    Inventors: John Wang, Michael Cummings, Hari Nathan, Ching Lau
  • Patent number: 10977255
    Abstract: A device may determine a set of trip attributes, associated with a driving trip, based on at least two of: location data associated with the driving trip, geospatial data associated with the driving trip, or weather data associated with the driving trip. The device may derive a set of driving style variables, associated with a manner in which the vehicle is driven during the driving trip, based on at least two of: the location data, the geospatial data, the weather data, acceleration data associated with the driving trip, or a location-based variable derived from the location data. The device may generate a trip risk score, associated with the driving trip and based on the set of trip attributes and the set of driving style variables, that includes a metric indicating a level of risk associated with the driving trip. The device may provide information associated with the trip risk score.
    Type: Grant
    Filed: August 19, 2016
    Date of Patent: April 13, 2021
    Assignee: Accenture Global Solutions Limited
    Inventors: Abhinav Vij, Anand Premsundar, Werner Rapberger, Chinmay Jha, Purvika Bazari, Aditi Bansal
  • Patent number: 10977933
    Abstract: The present disclosure provides methods and apparatuses for predicting road conditions based on big data. One exemplary method comprises: collecting driving data associated with a road section; comparing the collected driving data with a normal observation sample to determine whether the driving data is abnormal data, putting the abnormal data and the road section into an abnormality database in response to the driving data being abnormal data, and continuously recording driving data of this road section; determining whether the road section is an abnormal road section according to the number of occurrences of abnormal data associated with the road section; and predicting a reason for the abnormality of the road section determined as the abnormal road section, according to a preset model. The technical solutions provided by the present disclosure can help accurately predict road conditions by analyzing big data, thereby saving manpower and material resources.
    Type: Grant
    Filed: June 22, 2018
    Date of Patent: April 13, 2021
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Dan Zhao, Zhijia Liu, Kai Wu, Dengpo Fu
  • Patent number: 10977254
    Abstract: The embodiments of the present application relate to providing a distributed network-based system that allows users to search for potential healthcare providers that satisfy certain criteria and to dynamically identify healthcare providers that best meet a user's particular needs as defined by each specific search. In embodiments, the system creates experience score for each particular provider who matches the search criteria. The experience score is dynamically determined based on the type of search that is performed (e.g.
    Type: Grant
    Filed: March 31, 2015
    Date of Patent: April 13, 2021
    Assignee: Healthgrades Operating Company, Inc.
    Inventors: Michel Claussenelias, William N. Bell
  • Patent number: 10977784
    Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, a signal representing an indication of a damage location of a vehicle, send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the damage location, receive, via the communications module and from the remote computing device, video data of the vehicle, and process the video data to confirm an identity of the vehicle and to numerically quantify an amount of damage to the vehicle.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: April 13, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Patent number: 10972544
    Abstract: An autonomous vehicle communication method comprises sensing a condition associated with the autonomous vehicle, and initiating, by a controller in response to the sensing of the condition, communication pertaining to the autonomous vehicle between a vehicle manager remote to the autonomous vehicle and an external agent external to the autonomous vehicle. The autonomous vehicle communication method further comprises controlling the autonomous vehicle remotely in response to a command that is based on the condition associated with the autonomous vehicle and the communication between the vehicle manager and the external agent.
    Type: Grant
    Filed: February 6, 2017
    Date of Patent: April 6, 2021
    Assignee: Nissan North America, Inc.
    Inventors: Jingyi Zhang, Erik Stayton, Melissa Cefkin
  • Patent number: 10970800
    Abstract: A system for collecting, storing, and/or analyzing data received from one or more inputs comprising a property information database, a profile preference database, and one or more modules for accessing the databases. The system may receive data from a multiple listing service, internet source, and/or drone. The system may calculate and store a predicted property value and/or compare the predicted property value to a stored listed property price. A real estate offer and/or orders for an inspection, appraisal, contractor walkthrough, preliminary title report, or loan applications may be generated and/or sent to an entity based, at least in part, on information stored in the property information database and/or the profile preference database.
    Type: Grant
    Filed: July 30, 2018
    Date of Patent: April 6, 2021
    Inventor: Dane Christian Jessen
  • Patent number: 10970785
    Abstract: Techniques for automation of medical claim processing are disclosed. In one embodiment, the techniques may be realized as a system for automatically processing emergency medical claims, comprising: one or more processors and a memory. The memory may contain instructions that, when executed by the processor, cause the processor to: receive an emergency medical claim; determine a status code corresponding to a current status of the claim and a reason code corresponding to a reason for the current status of the claim; and identify, based on the status code and the reason code, a task that needs to be completed on the claim and an administrator associated with and/or responsible for handling the task.
    Type: Grant
    Filed: March 28, 2017
    Date of Patent: April 6, 2021
    Assignee: Zoll Medical Corporation
    Inventors: Donna Magnuson, Lawrence Collins Werner, Jr., Jason Haggstrom, Justin Jacoby
  • Patent number: 10970786
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for providing an estimate of cost of a claim to a homeowner. One of the methods includes receiving information about damage to a home of a homeowner. The method includes retrieving a home insurance policy associated with the homeowner and home insurance claims that have been submitted by other homeowners. The method also includes analyzing the information about the damage, the home insurance policy, and the home insurance claims to determine an estimate of cost of a claim that would cover the damage. In addition, the method includes providing the homeowner with the estimate of cost of the claim.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: April 6, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Cory Matheson, Ramsey Devereaux, Elliott William Kehoe, Kristina Tomasetti, Angelica Nichole White
  • Patent number: 10967872
    Abstract: Embodiments of the present invention relate to transportation systems. More particularly, embodiments relate to methods and systems of vehicle data collection by a user having a mobile device. In a particular embodiment, vehicle movement data (also termed herein “driving data” or “data”) is collected, analyzed and transformed, and combinations of collected data and transformed data are used in different ways, including, but not limited to, reporting and display of the combinations.
    Type: Grant
    Filed: August 29, 2016
    Date of Patent: April 6, 2021
    Assignee: TRUEMOTION, INC.
    Inventors: Rafi Finegold, Brad Cordova, Joe Adelmann, Philippe Bosshart, Matt McClure
  • Patent number: 10959657
    Abstract: A stress management system comprises: a first sensor that detects biological data of a user; a second sensor that detects life log data indicating an action history of the user; a generator that generates stress data using the biological data, the stress data indicating a time series variation of a stress level of the user; an estimator that, when the stress level of the user included in the stress data exceeds a first threshold, estimates whether or not stress of the user is interpersonal stress caused by contact with another person, using the life log data; and a notifier that notifies the user of a result of the estimation by the estimator and notifies a notification target person different from the user of notification content based on the result of the estimation by the estimator.
    Type: Grant
    Filed: September 11, 2017
    Date of Patent: March 30, 2021
    Assignee: PANASONIC INTELLECTUAL PROPERTY MANAGEMENT CO., LTD.
    Inventors: Yuumi Kaneko, Atsushi Saso, Naomi Tomiyama, Takamichi Matsusako, Mikiko Matsuo, Yuichi Aoki, Motoji Ohmori
  • Patent number: 10965531
    Abstract: Systems and methods for a service portal interface including a service offering catalog and conflict scheduling calendar are disclosed. A service offering catalog may make available tangible hardware and infrastructure equipment to employees of an organization via a web-based ordering system. The service offering catalog may also make available non-tangible services to be performed in support of one or more employees of the organization. The conflict calendar scheduling system may provide a graphical conflict detection and resolution interface incorporating calendar style view and drag and drop capability such than an end-user may adjust parameters of a scheduled update to align with other requested work items of an enterprise and result in a conflict free timeslot for maintenance and upgrade tasks.
    Type: Grant
    Filed: October 24, 2017
    Date of Patent: March 30, 2021
    Assignee: ServiceNow, Inc.
    Inventors: Bharath Padaki, Shouvik Goswami, Jason Occhialini, Nirupam Biswas
  • Patent number: 10960893
    Abstract: This disclosure relates generally to driver profiling, and more particularly to system and method for driver profiling corresponding to automobile trip. In one embodiment, the method includes selectively computing, based on GPS data captured during a trip, features such that a first set of features are computed at a computation device and a second set of features are computed at a cloud server. The first and second set of features differs in computational complexity level. Said features include statistical data for attributes computed from the GPS data. The features corresponding to the trip are stored at repository associated with the cloud server. The repository includes previously precomputed features data associated with a set of driver profiles for previously completed trips. A driver profile corresponding to the trip is identified from amongst the set of driver profiles based on comparison of the plurality of features and the previously computed features data.
    Type: Grant
    Filed: January 24, 2018
    Date of Patent: March 30, 2021
    Assignee: Tata Consultancy Services Limited
    Inventors: Arijit Chowdhury, Avik Ghose, Tapas Chakravarty
  • Patent number: 10963970
    Abstract: A multi-region risk relationship data store may contain electronic records representing a plurality of multi-region risk relationships and, for each multi-region risk relationship, an electronic record identifier and a set of multi-region attribute values including a plurality of hierarchical local risk relationship attribute values. A back-end application computer server may receive an indication of a selected risk relationship and display at least some of the associated multi-region attribute values. The server may receive adjustments to some of the multi-region or local risk-relationship attribute values, and displayed information may be automatically and dynamically configured based on the received adjustments and a standalone risk calculation unit. At least some local risk relationship attribute values may be replicated for multiple regions. When adjustments have been completed, the server may automatically assemble a multi-region risk relationship document.
    Type: Grant
    Filed: March 27, 2019
    Date of Patent: March 30, 2021
    Assignee: Hartford Fire Insurance Company
    Inventors: Alfred Edward Bergbauer, Jr., Kevin M Strong, Venkata Uma Lakkakula, Danielle Dubois, Kim Carina Ramelow