Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Patents (Class 705/4)
  • Patent number: 11663671
    Abstract: A system may receive a first resource allocation request (associated with a first company) from a first entity. The system may determine that the first request is not associated with a risk relationship and arrange for it to be processed via a claim servicing entity. Information about the first request may then be routed to a request handler device for processing and a communication with a first graphical indication may be generated. The system may also receive a second resource allocation request (associated with the first company) from a second entity and determine that it is to be processed via a risk. The system may then route information about the second request to a request handler device for processing and generate a communication with a second graphical indication. Note that the request handler device may be the same device that received the information about the first request.
    Type: Grant
    Filed: January 22, 2019
    Date of Patent: May 30, 2023
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Erik R. Lord, Thomas F. Morgan, Brian L. Fresher, Armand J. Minutillo, Cynthia D Finley, Marie C. Norcia, Jonathan Brown, Willis D Schmidt, Jr.
  • Patent number: 11661073
    Abstract: Embodiments may monitor operation of a machine and provide feedback to maintain use within certain parameters. Mobile personal communication device sensors are each configured to monitor at least one machine parameter (speed, acceleration, location, etc.), generate a signal encapsulating the monitored machine parameter, and transmit the generated sensor signals to a control unit of the communication device. The control unit may receive the generated sensor signals, store the received signals, and selectively combine the received signals. The communication device also includes a transmitter coupled to the control unit capable of transmitting the combined signal. A transceiver remote from the machine may determine a current machine condition and compare that condition to received conditions from other machines. Feedback may then be provided to adjust operation of the machine based on the comparison. For example, an operator interface may provide audio and/or visual feedback to the operator of a vehicle.
    Type: Grant
    Filed: August 23, 2018
    Date of Patent: May 30, 2023
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Henry Z. Kowal, Maureen King, Andrew J. Schneider, Scott A. Luc, David K. Hagen
  • Patent number: 11663675
    Abstract: Systems and methods relating to improving the experience of gig-economy workers are disclosed, with particular reference to gig-economy work involving vehicle use. Such systems and methods include automatically monitoring and evaluating activities such as driving during performance of gigs, as well as providing recommendations based thereupon. Gig-related activities may be automatically detected based upon data provided by a mobile device associated with the gig-economy worker, thereby automatically generating a record of such activities for the worker. Telematics data indicative of movement of a vehicle may be collected and analyzed to detect gig-economy activities. During or after performance of gig-economy work, data automatically collected may be used to generate and present recommendations or education points to the gig-economy worker.
    Type: Grant
    Filed: February 8, 2021
    Date of Patent: May 30, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Hannah Estes, Audrey Schwartz, Michael DiBenedetto, James P. Rodriguez, Anna Zarkoob, Ben Tucker, Dar Beachy, Elijah Abella, Diana Sherwood, Emily Bryant, Kristin Sellers, Brian M. Fields, Hanpei Zhang
  • Patent number: 11657705
    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: May 20, 2021
    Date of Patent: May 23, 2023
    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: 11657449
    Abstract: A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).
    Type: Grant
    Filed: July 14, 2021
    Date of Patent: May 23, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Maiman, Brendan Way, Abdelkader Benkreira
  • Patent number: 11657414
    Abstract: An employee net promoter score (eNPS) adjustment system and method adjusts an employee net promoter score (eNPS) using a predictive model. The predictive model identifies key eNPS driver variables and adjusts a programmatically generated quantification of employee engagement and/or sentiment toward an employer based upon received data representing the key eNPS driver variables.
    Type: Grant
    Filed: June 21, 2018
    Date of Patent: May 23, 2023
    Assignee: OPTUM, INC.
    Inventors: Rohit Kichlu, Dakota Andrew Ritz, Erin Ratelis
  • Patent number: 11651437
    Abstract: A system that includes a calculation unit configured to receive an input derived from data measured from a sensor located in a first location, the calculation unit is configured to determine a value for a risk premium. The system includes a storage unit to store the input; and an output unit configured to receive information based on the value determined by the calculation unit and outputs a graphical representation to a display device. The system is at a second location different from the first location.
    Type: Grant
    Filed: July 16, 2018
    Date of Patent: May 16, 2023
    Assignee: Virtual i Switzerland AG
    Inventor: Veysel Sinan Geylani
  • Patent number: 11653186
    Abstract: Method and system for determining a status of an application previously installed on a mobile device of a user are disclosed. For example, the method includes determining that an application has been installed on a mobile device of a user, determining whether the sensor data is received from the application at least once during a predetermined time interval, determining that the application does not work properly on the mobile device of the user in response to the sensor data being not received at least once during the predetermined time interval, and transmitting a notification to the mobile device indicating that the application does not work properly.
    Type: Grant
    Filed: June 26, 2020
    Date of Patent: May 16, 2023
    Assignee: BlueOwl, LLC
    Inventor: Kenneth Jason Sanchez
  • Patent number: 11651439
    Abstract: An artificial intelligence-based multi-channel system and method to evaluate a buyer or consumer's intent to purchase benefits products. The system and method determine the buyer or consumer's needs, identifies and presents relevant benefits products based on eligibility to the buyer or consumer. The system and method can transfer the buyer or consumer to a producer to facilitate an enrollment process for the benefits products.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: May 16, 2023
    Assignee: PATTY, LLC
    Inventors: Luis Silvestre, Seth Cohen
  • Patent number: 11651441
    Abstract: Methods and systems for homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, or proximate to, a property as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.
    Type: Grant
    Filed: February 4, 2022
    Date of Patent: May 16, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ronny S. Bryant, Shawn M. Call, Daryoush Hakimi-Boushehri, John H. Weekes, Jennifer Criswell, Todd Binion, Jackie O. Jordan, II, Elisabeth McDermeit, John Donovan
  • Patent number: 11651422
    Abstract: Location data associated with an on-demand electric vehicle and an indication that an on-demand electric vehicle has fallen are received. It is determined that a rental associated with the on-demand electric vehicle has ended. Information indicating that the on-demand electric vehicle is in a fallen position is provided via a user interface.
    Type: Grant
    Filed: January 18, 2022
    Date of Patent: May 16, 2023
    Assignee: Bird Rides, Inc.
    Inventors: Travis VanderZanden, William Scott Rushforth
  • Patent number: 11651436
    Abstract: Methods, computer-readable media, software, and apparatuses provide a system for adjusting a deductible based on a current driving situation. Information regarding the current driving situation related to a vehicle may be obtained from various sources. The information may be used to evaluate a degree of safety of the current driving situation. If the driving situation is deemed to be safe, the deductible may be lowered. The amount the deductible may be lowered may be determined based on insurance information regarding past accidents or past insurance claims. A notification of the adjustment may be output to the driver. Also, the adjustment may be stored with a time associated with the adjustment so that the appropriate deductible is used in case of an accident. Multiple adjustments to the deductible may be made during a single trip as the driving situation changes.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: May 16, 2023
    Assignee: Allstate Insurance Company
    Inventor: Edward A. Biemer
  • Patent number: 11645712
    Abstract: Systems and methods for entity risk management are disclosed. A system for entity risk management may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: establishing a connection between the system and a data source, the data source being remote from the system and associated with a first entity; receiving first document data from the data source; normalizing the first document data; classifying the normalized document data; extracting model input data from the classified document data; applying a machine learning model trained to predict risk levels using second document data to the extracted model input data to predict a risk level associated with the first entity; generating analysis data based on the predicted risk level; and based on the analysis data, transmitting an alert to a management device communicably connected to the system.
    Type: Grant
    Filed: April 16, 2021
    Date of Patent: May 9, 2023
    Assignee: Fidelity Information Services, LLC
    Inventors: Benjamin Wellmann, Zachary Jasinski, Matthew Petersen, Eric Bond, Daniel Wakeman, David Berglund
  • Patent number: 11645721
    Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing usage-based insurance policies are presented. A first cost per day and second cost per day associated with the usage-based insurance policy may be determined and a cost for a first trip may be determined based on the cost per day and cost per mile. Driving data received during the first trip may be used to modify the cost per day and cost per mile to determine a second cost per day and/or cost per mile that may be used to determine a cost of subsequent driving trips.
    Type: Grant
    Filed: September 29, 2020
    Date of Patent: May 9, 2023
    Assignee: Arity International Limited
    Inventors: Imran Iqbal, Caryl M. Styrsky, Grady Irey, Edward A. Biemer
  • Patent number: 11646036
    Abstract: Systems, methods, and computer-executable instructions for identifying a candidate include receiving unscripted communication, the unscripted communication comprising communication from a first speaker. Properties of the unscripted communication are extracted. A psychographic classifier classifies the first speaker into a psychographic category based on the extracted properties. An aggregate psychographic category of a team is determined based on psychographic categories of each of the team members of the team. A weakness in the aggregate psychographic category of the team is determined. A new team member that has a psychographic category that addresses the weakness in the aggregate psychographic category of the team is identified. A recommendation that the first speaker become a team member of the team is provided.
    Type: Grant
    Filed: January 31, 2022
    Date of Patent: May 9, 2023
    Assignee: HUMANCORE LLC
    Inventors: Joseph Juhnke, Mark Farnham
  • Patent number: 11636376
    Abstract: A method, computer system, and a computer program product for active machine learning is provided. The present invention may include annotating a plurality of data entries. The present invention may also include building a first dataset based on the annotated plurality of data entries. The present invention may then include receiving user feedback based on the built first dataset. The present invention may further include assigning a plurality of weights to a plurality of data entry subsets. The present invention may also include generating a second weighted dataset based on the received user feedback.
    Type: Grant
    Filed: June 3, 2018
    Date of Patent: April 25, 2023
    Assignee: International Business Machines Corporation
    Inventors: Aysu Ezen Can, Corville O. Allen, Roberto Delima
  • Patent number: 11625759
    Abstract: Method for managing charging service comprising independent Installers, independent utilities, independent electric charging customers, CO2 levels, and independent energy markets, the method comprising: electronically calculating cost of service on a periodic basis based on a plurality of dynamically changing influencing parameters; electronically determining a capital cost of installation; obtaining customer's zip code to determine regional variations in installation cost; estimating customer's location from customer's IP address to determine regional variations in installation cost; Soliciting information about conditions at an installation location which may affect installation cost by soliciting customer input in response to an online questionnaire; soliciting an address of the installation location, then obtaining data comprising age of a building, size of the building and number of units from publicly available data bases, to determine installation cost.
    Type: Grant
    Filed: October 22, 2019
    Date of Patent: April 11, 2023
    Assignee: Enel X Way S.R.L.
    Inventors: Wm. Stevens Taber, Jr., Preston Roper, Oleksandr Yegorov
  • Patent number: 11625788
    Abstract: The present disclosure introduces systems and methods to evaluate application data. A computer system to evaluate application data is described. In one embodiment, a data module may be used to receive application data and validate the application data against at least one secondary data source. A predictive modeling module may be used to model the application data by applying predictive analytics. Further, a confidence level module may be used to calculate a confidence level factor and at least one aggregate degree of confidence level to evaluate an application. Other embodiments are also described.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: April 11, 2023
    Assignee: United Services Automobile Association (“USAA”)
    Inventors: Erika Garza, Troy Avon Brocker, Mark Ginther
  • Patent number: 11625698
    Abstract: Aspects of the disclosure relate to processing asset transfers. A computing platform may receive an asset transfer request and extract information from it. The computing platform may modify a distributed ledger to include a new block corresponding to the asset transfer request. The computing platform may identify a consensus method by identifying, for each of a plurality of consensus methods, a subset of blocks from the distributed ledger that, when used to execute the corresponding consensus method, result in a lowest energy consumption value in comparison to remaining subsets of blocks. The computing platform may execute each consensus method using the corresponding identified subset of blocks, which may result in establishing consensus to process the asset transfer request. Based on establishing the consensus, the computing platform may direct an event processing platform to process the asset transfer request, which may cause the event processing platform to process the request accordingly.
    Type: Grant
    Filed: June 1, 2021
    Date of Patent: April 11, 2023
    Assignee: Bank of America Corporation
    Inventors: Subrojyoti Dey, Prashant Khare, Kanika Manocha, Ankit Upadhyaya, Prashant Bidkar
  • Patent number: 11620494
    Abstract: Aspects of the disclosure relate to enhanced processing systems for providing dynamic driving metric outputs using improved machine learning methods. A computing platform may receive sensor data from vehicle sensors. The computing platform may generate a pattern deviation output corresponding to an output of a sensor data analysis model, an actual outcome associated with a lowest TTC value, and driving actions that occurred over a prediction horizon corresponding to the pattern deviation output. The computing platform may cluster the pattern deviation outputs to maximize a ratio of inter-cluster variance to intra-cluster variance. The computing platform may train a long short term memory (LSTM) for each cluster, and may verify consistency of the pattern deviation outputs in the respective clusters.
    Type: Grant
    Filed: September 24, 2019
    Date of Patent: April 4, 2023
    Assignee: Allstate Insurance Company
    Inventors: Juan Carlos Aragon, Regina Madigan
  • Patent number: 11615493
    Abstract: Systems, computer-implemented methods, and computer program products to facilitate contextual comparison of semantics in conditions of different policies are provided. According to an embodiment, a system can comprise a processor that executes computer executable components stored in memory. The computer executable components can comprise a comparison component that contextually compares semantics of conditions in policy data of different policies based on a feature of at least one entity. The computer executable components further comprise a contextualization component that employs a model to provide a contextual explanation of how a first condition in first policy data of a first policy is semantically different from a second condition in second policy data of a second policy based on the feature of the at least one entity.
    Type: Grant
    Filed: December 16, 2020
    Date of Patent: March 28, 2023
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Natalia Mulligan, Joao H Bettencourt-Silva, Marco Luca Sbodio, Vanessa Lopez Garcia
  • Patent number: 11615650
    Abstract: A method performed by a computing system includes receiving from a first detection system, a plurality of identity tokens, the plurality of identity tokens including different types of identity tokens, the first detection system having a plurality of different types of detection instruments. The method further includes using information from the first detection system, creating correlation information that correlates different types of identity tokens. The method further includes receiving from a second detection system, a number of identity tokens, the second detection system having a plurality of different types of detection instruments that is fewer than the first detection system. The method further includes using the number of identity tokens received from the first and second detection systems, identifying a vehicle passing through the second detection system.
    Type: Grant
    Filed: February 10, 2021
    Date of Patent: March 28, 2023
    Assignee: ELECTRONIC TRANSACTION CONSULTANTS, LLC
    Inventors: Joshua LittleSun, Alessandro Stagni
  • Patent number: 11610201
    Abstract: A computer-implemented method for expediting processing of a payment for a patient's healthcare service with a healthcare provider includes displaying an out-of-pocket cost for a patient for a healthcare service at a display interface of a computer device prior to the healthcare service being rendered. After patient selection of the healthcare service and payment of any out-of-pocket costs, a health token is issued to the patient as cryptocurrency for payment of the healthcare service. The health token is received from the healthcare provider after the healthcare provider renders the healthcare service, receives the health token from the patient for payment of the healthcare service, and embeds data pertaining to the healthcare service into the health token. Based on the data embedded in the health token, the healthcare service is approved or disapproved. If the healthcare service is approved, a payment for the healthcare service is issued to the healthcare provider.
    Type: Grant
    Filed: September 25, 2019
    Date of Patent: March 21, 2023
    Assignee: Capital District Physicians Health Plan, Inc.
    Inventors: Umesh Rege, Brent Cooley
  • Patent number: 11610261
    Abstract: A system that varies the terms and conditions of a subsidized loan includes a blockchain service circuit structured to interpret a plurality of access control features corresponding to a plurality of parties associated with a loan; a data collection circuit structured to interpret entity information corresponding to a plurality of entities related to a lending transaction corresponding to the loan; a smart contract circuit structured to specify loan terms and conditions relating to the loan; and a loan management circuit structured to interpret loan related events in response to the entity information, the plurality of access control features, and the loan terms and conditions, wherein the loan related events are associated with the loan; and implement loan related activities in response to the entity information, the plurality of access control features, and the loan terms and conditions, wherein the loan related activities are associated with the loan.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: March 21, 2023
    Assignee: Strong Force TX Portfolio 2018, LLC
    Inventor: Charles Howard Cella
  • Patent number: 11610269
    Abstract: A damage assessment module operating on a computer system automatically evaluates a property, estimating damage to the property by analyzing a point cloud of a property. The damage assessment module identifies individual point clusters or segments from the point cloud and detects potentially damaged areas of the property surface by identifying outlier points in the point clusters. The damage assessment module may be used to determine the financial cost of the damage and/or determine whether the property should be replaced or repaired. In addition to eliminating the need for an estimator to visit the property in person, the damage assessment module improves the consistency and accuracy associated with estimating damage to a property.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: March 21, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Bryan Allen Plummer, Drew Cross, Nathan L. Tofte
  • Patent number: 11605124
    Abstract: A system and method of smart contract and distributed ledger platform with blockchain authenticity verification includes a blockchain service circuit structured to interface with a distributed ledger; a data collection circuit structured to receive data related to a set of items of collateral that provide security for a loan: a smart contract circuit structured to create a smart lending contract for the loan and assign at least a portion of the set of items of collateral to the loan, thereby creating an assigned set of items of collateral; wherein the blockchain service circuit is further structured to record the assigned set of items of collateral to a loan-entry in the distributed ledger, and wherein each of the blockchain service circuit, the data collection circuit, and the smart contract circuit further comprise a corresponding application programming interface (API) component structured to facilitate communication among the circuits of the system.
    Type: Grant
    Filed: February 28, 2020
    Date of Patent: March 14, 2023
    Assignee: Strong Force TX Portfolio 2018, LLC
    Inventor: Charles Howard Cella
  • Patent number: 11599951
    Abstract: An on-demand insurance (ODI) server for generating dynamic user offerings may be provided. The ODI server may include at least one processor in communication with a memory device. The at least one processor may be programmed to (i) receive, from a user computing device associated with a user, an insurance policy request for a trip from a start location to an end location, (ii) determine at least one transportation mode available for the trip, (iii) access contextual data associated with the trip, (iv) assess a risk associated with the at least one transportation mode, (v) calculate a risk score associated with the at least one transportation mode based upon at least the contextual data, (vi) generate an insurance offering associated with the at least one transportation mode, and/or (vii) transmit the insurance offering in real time to the user computing device for purchase by the user.
    Type: Grant
    Filed: December 18, 2020
    Date of Patent: March 7, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ryan Michael Gross, Jody Ann Thoele, Joseph Robert Brannan, Eric R. Moore
  • Patent number: 11599947
    Abstract: A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.
    Type: Grant
    Filed: February 3, 2020
    Date of Patent: March 7, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ryan Michael Gross, Joseph Robert Brannan, Brian N. Harvey
  • Patent number: 11600158
    Abstract: An information processing apparatus (2000) detects that a customer (30) takes up a product from a display area (20), using a captured image (12). The information processing apparatus (2000) generates information (customer information) indicating the acquisition count by the customer (30) in a manner that is associated with an identifier of the customer (30). The information processing apparatus 2000 sets the acquisition count, which is indicated by the customer information on the customer (30), in a case where the customer (30) makes payment for the products, to zero.
    Type: Grant
    Filed: March 12, 2018
    Date of Patent: March 7, 2023
    Assignee: NEC CORPORATION
    Inventor: Takahiro Matsui
  • Patent number: 11599740
    Abstract: Systems and methods include processors for receiving training data for a user activity; receiving bias criteria; determining a set of model parameters for a machine learning model including: (1) applying the machine learning model to the training data; (2) generating model prediction errors; (3) generating a data selection vector to identify non-outlier target variables based on the model prediction errors; (4) utilizing the data selection vector to generate a non-outlier data set; (5) determining updated model parameters based on the non-outlier data set; and (6) repeating steps (1)-(5) until a censoring performance termination criterion is satisfied; training classifier model parameters for an outlier classifier machine learning model; applying the outlier classifier machine learning model to activity-related data to determine non-outlier activity-related data; and applying the machine learning model to the non-outlier activity-related data to predict future activity-related attributes for the user activity
    Type: Grant
    Filed: May 10, 2022
    Date of Patent: March 7, 2023
    Assignee: HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY
    Inventor: Richard B. Jones
  • Patent number: 11593688
    Abstract: In a computer-implemented method of assessing driving performance using route scoring, driving data indicative of operation of a vehicle while the vehicle was driven on a driving route may be received. Road infrastructure data indicative of one or more features of the driving route may also be received. A route score for the driving route may be calculated using the road infrastructure data, and a driving performance score for a driver of the vehicle may be calculated using the driving data and the route score for the driving route. Data may be sent to a client device via a network to cause the client device to display the driving performance score and/or a ranking based on the driving performance score, and/or the driving performance score may be used to determine a risk rating for the driver of the vehicle.
    Type: Grant
    Filed: September 17, 2020
    Date of Patent: February 28, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian Mark Fields, J. Lynn Wilson
  • Patent number: 11593875
    Abstract: A method for real-time processing of resource requests is disclosed. The method includes: detecting a trigger action initiated on a client device associated with an entity, the trigger action being detected based on input received via the client device; in response to detecting the trigger action, providing, via a user interface on the client device, selectable options corresponding to one or more preferred rates of resource borrowing; receiving, via the client device, a dealer lead input including selection of a vehicle, an indication of a first preferred rate of resource borrowing, and an identifier of a dealer for the selected vehicle; and providing, via an interface associated with a service for generating resource requests, an option for the identified dealer to select the first preferred rate of resource borrowing for a resource request in connection with the selected vehicle, the option being accessible only by the identified dealer.
    Type: Grant
    Filed: April 9, 2020
    Date of Patent: February 28, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Umer M. Adil, Alexandra Tsourkis, Blair S. Buxton
  • Patent number: 11593687
    Abstract: It is described at least a method for performing vehicle operation analysis of a driver, comprising retrieving data related to the operation of the vehicle via a mobile device, wherein the mobile device is placed inside the vehicle and the retrieved data is data that is at least provided by data providing units included in the mobile device; adding a driver-specific identifier to the retrieved data which identifies the driver of the vehicle irrespective of the vehicle that is used; performing analysis of the retrieved data in the mobile device, and/or sending the retrieved data to a remote computer and performing analysis of said data in the remote computer, wherein the analysis includes extracting driver-specific vehicle operation schemes and/or calculating a driver-specific safety factor.
    Type: Grant
    Filed: January 9, 2019
    Date of Patent: February 28, 2023
    Assignee: HITACHI, LTD.
    Inventors: Anthony Emeka Ohazulike, Peter Hohmann
  • Patent number: 11593887
    Abstract: Systems and methods may analyze property telematics data, with homeowner permission or affirmative consent, to update risk-based coverage of a property, such as a house, during a short-term rental. The systems include a renter analytics computing device, a plurality of property telematics devices at the property, including at least one sensor, and a property telematics controller. The renter analytics computing device is configured to retrieve a pre-rental record including parameters of a short-term rental of the property, and retrieve property telematics data, from the property telematics devices, associated with the short-term rental. The renter analytics computing device may develop a risk level profile associated with the short-term rental and determine an adjusted coverage rate to cover the property during the short-term rental. As a result, a homeowner of the property may be protected against damages incurred to the property during the short-term rental.
    Type: Grant
    Filed: October 29, 2019
    Date of Patent: February 28, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kristopher Keith Gaudin, Tracey Dunne
  • Patent number: 11590427
    Abstract: A computer system for creating driving tournaments for users including a processor in communication with a memory device is provided. The processor may be programmed to: i) receive user data associated with a plurality of users, ii) generate, based at least in part upon the received user data, a driving profile including driving characteristics of each user, iii) match users based at least in part upon the driving profiles of the users, wherein a match occurs when driving characteristics of the driving profiles are substantially similar, iv) create a driving tournament for the matched one or more users, v) receive current vehicle telematics data and current mobile device data associated with the matched one or more users, and vi) determine, after the predetermined time period has ended, a winner of the driving tournament.
    Type: Grant
    Filed: March 19, 2020
    Date of Patent: February 28, 2023
    Assignee: BlueOwl, LLC
    Inventor: Michael Sungjun Kim
  • Patent number: 11587181
    Abstract: A property damage assessment system may include a drone. The drone may include imaging equipment and a controller. The controller may include a device processor and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving imagery data of property from the imaging equipment of the drone; and automatically controlling the drone to obtain additional imagery data of the property based on the received imagery data.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: February 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nolan Serrao, Minya Liang, Ruthie D. Lyle, Ravi Durairaj, Bharat Prasad
  • Patent number: 11587180
    Abstract: A method and system is described which attempts to address the technical problems involved in analyzing images using advanced computer systems and making decisions about the future of a damaged automobile based on the images.
    Type: Grant
    Filed: May 14, 2020
    Date of Patent: February 21, 2023
    Assignee: CCC Information Services Inc.
    Inventor: Neda Hantehzadeh
  • Patent number: 11587174
    Abstract: A system and method for providing analytical insights on real estate investment opportunities. When scouting for real estate investment opportunities, investors are mainly interested in its financial aspects, for example, its estimated performance and how its performance and risk compare against those of other real estate and non-real estate investment opportunities such as equities and bonds, etc. The system was conceived and developed to provide real estate investors with novel insights on such financial aspects so that they can make informed decisions. The system includes an import module that can be connected to a real estate database for importing real estate listings. The system receives a selection of property from an investor and pulls the real estate listing's data related to that property. The system processes real estate listing's data to obtain novel analytical insights. Each analytical insight is presented as a widget on an interface.
    Type: Grant
    Filed: January 20, 2021
    Date of Patent: February 21, 2023
    Inventor: Nikith Rajendran
  • Patent number: 11587046
    Abstract: A system for instructing a user on repairing a vehicle configured to (i) receive, from the user, a request to repair a vehicle, including information about the vehicle; (ii) present, to the user via a user computer device, a user interface to allow the user to search for a repair facility to repair the vehicle; (iii) receive, from the user via the user interface, a selection of a repair facility; (iv) determine whether the selected repair facility is a select service location, where a select service location is a pre-authorized repair facility; and (v) if the selected repair facility is a select service location, transfer the information about the vehicle to a computer device associated with the selected repair facility.
    Type: Grant
    Filed: October 24, 2018
    Date of Patent: February 21, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Amber Wyatt, Chris Ray, Ashish Sawhney, Tim Husarik, Jose Gonzalez, Tracey Herring, Holly Lambert, Stephen Tinglestad, Jason Beckman, Andrea Foster, John Freymann, Shane Tomlinson, Akilah Hugine, Daniel Green, Eric Brown
  • Patent number: 11580856
    Abstract: A device can receive parking metadata that includes location data indicating that a portion of a vehicle is located outside of a designated parking area (DPA). The device can process the parking metadata to identify values that are to be used when determining actions to perform. The device can obtain supplemental events data associated with events occurring near the DPA. The device can determine the actions to perform based on the parking metadata and the supplemental events data. The device can provide, as one of the actions and to one or more other devices or to the vehicle, a message indicating that the portion of the vehicle is located outside of the DPA. This can cause the one or more other devices or the vehicle to: move the vehicle from the DPA, reposition the vehicle within the DPA, or penalize an owner of the vehicle.
    Type: Grant
    Filed: November 5, 2021
    Date of Patent: February 14, 2023
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Brian Refsdal, Nick G. Suizo, Kent Ryhorchuk, Tibor Gyimesi, Andrew W. Herson, Istvan Horvath
  • Patent number: 11580604
    Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.
    Type: Grant
    Filed: March 13, 2020
    Date of Patent: February 14, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 11580603
    Abstract: A system for providing real-time bi-directional charge capture-centralized conversation between Billing and Provider entities, comprising a first computer apparatus with a computer apparatus charge capture module installed and a second computer apparatus with a computer apparatus billing module installed that are used to transmit and/or receive real-time charge capture centralized conversation data. Real-time charge capture-centralized conversation data is comprised of real-time charge capture data. The real-time charge capture data and the real-time charge capture-centralized conversation data can be combined to create real-time claim data. The system further comprises first computer apparatus and second computer apparatus receipt and transmission via secured communication links. The real-time charge capture data, real-time charge capture-centralized conversation data and real-time claim data is presented in a social media conversation style format.
    Type: Grant
    Filed: August 27, 2019
    Date of Patent: February 14, 2023
    Inventors: Massoud Alibakhsh, Shahram Famorzadeh
  • Patent number: 11580474
    Abstract: Proposed is an automated telematics-based system (1) for score-driven operations associated with motor vehicles (41, . . . , 45) or transportation means of passengers or goods and based on a dynamic, telematics-based data aggregation, and method thereof, for automated risk-transfer related to complex peer-to-peer lending schemes, especially related to vehicles and car sharing schemes and sharing economy transportation schemes related to risks associated with damages to third parties. The telematics-based system (1) comprises telematics devices (411, . . . , 415) associated with the plurality of motor vehicles (41, . . . , 45), wherein the telematics devices (411, . . . , 415) comprise a wireless connection (42101-42108) to a central, expert-system-based circuit (11). The telematics devices (411, . . . , 415) are connected via interfaces (421, . . . , 425) to the sensors and/or measuring devices (401, . . . , 405) and/or an on-board diagnostic system (431, . . .
    Type: Grant
    Filed: March 2, 2017
    Date of Patent: February 14, 2023
    Assignee: Swiss Reinsurance Company Ltd.
    Inventors: Andri Perl, Sebastiaan Bongers, Donato Genovese, Hector Naves Sordo
  • Patent number: 11580800
    Abstract: A device receives a vehicle inspection report submission including imaging information identifying a set of images of a vehicle from a user device, and identifies and obtains, from a data structure, a set of stored vehicle attributes relating to a previous condition of the vehicle. The device determines, based on the set of images and using computer vision processing, a set of identified vehicle attributes that relate to a present condition of the vehicle. The device selectively validates, based on the set of identified vehicle attributes and the set of stored vehicle attributes and based on location information identifying the user device within a threshold proximity of the vehicle when the set of images were captured, the vehicle inspection report submission. The device transmits information identifying a result of selectively validating the vehicle inspection report submission, selectively updates the vehicle attribute record, and selectively provides the updated vehicle attribute record.
    Type: Grant
    Filed: November 8, 2018
    Date of Patent: February 14, 2023
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Debrup Ghosh, Harsh Shah
  • Patent number: 11574367
    Abstract: An example system for mapping payout information can include: a processor; and system memory including instruction which, when executed by the processor, cause the system to: generate a story selection module programmed to present a user with at least one story scenario, with the story scenario including a story having a story outline with a plurality of story conditions, and each of the story conditions includes a plurality of selectable story options; and generate an insurance payout module programmed to present the user with an estimated insurance payout based upon the selectable story options and information associated with an insurance plan available for selection by the user.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: February 7, 2023
    Assignee: Securian Financial Group, Inc.
    Inventors: Travis Joel Symoniak, Donald Jerome Rosenthal
  • Patent number: 11574714
    Abstract: A computing system can implement a health verification and prediction service by generating an interactive user interface through which users can provide responses to health assertions in one or more trivia sessions. Each of the health assertions can include a correlation value to actual health outcomes based on responses received from individuals a control group and the known health outcomes of those individuals. Based on the responses from the user, the computing system can generate a health profile for the user.
    Type: Grant
    Filed: January 8, 2021
    Date of Patent: February 7, 2023
    Assignee: Hi. Q, Inc.
    Inventors: Shuo Jiao, Munjal Shah, Ryan Hinchey, Cathy Ye Fan, Ardaman Singh
  • Patent number: 11574350
    Abstract: A credibility evaluation device for evaluating a credibility of a user who uses a service provided by a communicable structure includes a processor including hardware. The processor is configured to: acquire structure information on the structure during and after use of the service by the user and third-party evaluation information including evaluation about the structure made by a third party other than the user after use of the service by the user; and calculate the credibility of the user, based on at least one of the structure information and the third-party evaluation information.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: February 7, 2023
    Assignees: TOYOTA JIDOSHA KABUSHIKI KAISHA, NOMURA RESEARCH INSTITUTE, LTD.
    Inventors: Daiki Kaneichi, Naoya Sugita
  • Patent number: 11568493
    Abstract: A computing device includes a first program configured to display a menu on a screen and display a summary on the screen that can be reached directly from the menu, and a second program. The summary displays patient account information of a plurality of patient accounts for a selected one of a plurality of available clients. The displayed patient account information includes a plurality of displayed entries, where each entry includes a first field indicating an account number of one of the patient accounts, a second field indicating a status associated with the account number, and a third field indicating a due date. The second program causes the third field to display a due date for submitting a claim associated with the account number to insurance, and dynamically updates the third field to display a due date for appealing denial of the claim.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: January 31, 2023
    Assignee: JZANUS I.T. SERVICES, LLC
    Inventors: Hilary P. Rolih, John Sullivan
  • Patent number: 11568346
    Abstract: The present disclosure relates to a safety management system. The safety management system calculates a real-time data risk score and an incident data risk score based on real-time data received from a wearable device and incident data selected from big data, calculates a total risk score by summing all values obtained by multiplying calculated risk for respective data by weights for respective data, compares the total risk store with a preset threshold score, and transmits a dangerous situation message to a risk recognition subject when it is determined that a user is at risk. The safety management system of the present disclosure may transmit the real-time data, the incident data, and the dangerous situation message using a 5G communication system, and a safety management server for determining whether or not the user is at risk may be implemented using an artificial neural network.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: January 31, 2023
    Assignee: LG ELECTRONICS INC.
    Inventors: Won Ho Shin, Ji Chan Maeng
  • Patent number: 11565680
    Abstract: One or more braking event detection computing devices and methods are disclosed herein based on fused sensor data collected during a window of time from various sensors of a mobile device found within an interior of a vehicle. The various sensors of the mobile device may include a GPS receiver, an accelerometer, a gyroscope, a microphone, a camera, and a magnetometer. Data from vehicle sensors and other external systems may also be used. The braking event detection computing devices may adjust the polling frequency of the GPS receiver of the mobile device to capture non-consecutive data points based on the speed of the vehicle, the battery status of the mobile device, traffic-related information, and weather-related information. The braking event detection computing devices may use classification machine learning algorithms on the fused sensor data to determine whether or not to classify a window of time as a braking event.
    Type: Grant
    Filed: April 6, 2021
    Date of Patent: January 31, 2023
    Assignee: Arity International Limited
    Inventors: Jared S. Snyder, Dana Ferguson