Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Patents (Class 705/4)
  • Patent number: 10296977
    Abstract: A computer-implemented method provides information about a financed, leased or insured vehicle having an onboard wireless-enabled usage reporting device for computing a risk associated with a financing, leasing or insurance obligation. The method entails receiving data from a remote computer to set parameters to be used by the device installed in the vehicle to measure real-time vehicle usage, computing on the device a confidence score based on the parameters and storing the confidence score in the device, the confidence score being indicative of a risk associated with the financing, leasing or insurance obligation of the vehicle, transferring the confidence score or information relating to the confidence score from the device to the remote computer in response to a command from the remote computer or automatically based on a predefined criterion, and displaying the confidence score to indicate the risk associated with the financing, leasing or insurance obligation.
    Type: Grant
    Filed: January 17, 2012
    Date of Patent: May 21, 2019
    Assignee: IMETRIK TECHNOLOGIES INC.
    Inventor: Guy Chevrette
  • Patent number: 10297157
    Abstract: One or more servers may include a first communication interface to communicate with a mobile device; a second communication interface to communicate with devices associated with a plurality of vehicles; and a selection mechanism. The first communication interface may receive, via a network, a request from the mobile device based on an interaction with the mobile device. And, the selection mechanism may determine weighted scores for two or more, of the plurality of vehicle, and select one of the two or more vehicles by using a selection function that improves access to vehicle services and decreases waste of resources used by the plurality of vehicles.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: May 21, 2019
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Michelle Felt, Nader Gharachorloo, Afshin Moshrefi
  • Patent number: 10299301
    Abstract: A first node in a connection network and a method for providing said first node with information related to a geographical position of a user terminal, which connection network comprises said first node, a second node and an access network, wherein: the first node has access to at least one user terminal via a wireless interface provided by the access network; and the second node is connected to the first node and has access to at least one external network, which method is characterized by the steps of: sending a session request from the second node to the first node; and sending a session response from the first node to the second node after receiving said session request, which session response comprises information related to a geographical position of the terminal associated with the session in question.
    Type: Grant
    Filed: February 6, 2017
    Date of Patent: May 21, 2019
    Assignee: Telefonaktiebolaget LM Ericsson (publ)
    Inventors: Lars-Bertil Olsson, Lasse Olsson
  • Patent number: 10296979
    Abstract: Techniques for detecting physical conditions at a physical premises from collection of sensor information from plural sensors execute one or more unsupervised learning models to continually analyze the collected sensor information to produce operational states of sensor information, produce sequences of state transitions, detect during the continual analysis of sensor data that one or more of the sequences of state transitions is a drift sequence, correlate determined drift state sequence to a stored determined condition at the premises, and generate an alert based on the determined condition. Various uses are described for these techniques.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: May 21, 2019
    Assignee: SENSORMATIC ELECTRONICS, LLC
    Inventors: Christine Trainor, David Vavrasek
  • Patent number: 10290060
    Abstract: Systems, apparatus, methods, and articles of manufacture provide for image analysis using localized information. In one embodiment, an object (e.g., content of a building or other type of property) may be classified by determining the type of object and determining classification information associated with previously classified objects of the same type and associated with the same geographical area.
    Type: Grant
    Filed: December 23, 2014
    Date of Patent: May 14, 2019
    Assignee: The Travelers Indemnity Company
    Inventors: Eamonn R. Buss, Matthew C. Durlin, Brandon M. Wilson, Nehal B. Gandhi
  • Patent number: 10282834
    Abstract: A device for measuring wear is disclosed. The device may receive images associated with a component, and may receive a three-dimensional (3D) model of the component. The device may generate an image point cloud based on the images, and may generate a model point cloud based on the 3D model of the component. The device may perform a first alignment of the image point cloud and the model point cloud to generate first-aligned point clouds, and may perform a second alignment of the first-aligned point clouds to generate second-aligned point clouds. The device may generate 3D mask regions based on the second-aligned point clouds, and may project the 3D mask regions on the images. The device may process the 3D mask regions, projected on the images, to determine reference points in the images, and may determine an amount of wear associated with the component based on the reference points.
    Type: Grant
    Filed: June 22, 2018
    Date of Patent: May 7, 2019
    Assignee: Caterpillar Inc.
    Inventors: Nolan Finch, Lingyu Ma
  • Patent number: 10282248
    Abstract: Disclosed are hardware and techniques for correcting computer process faults by identifying risk associated with correcting a computer process fault and computer processes that may depend on the corrected computer process. The interdependent computer processes in a network may be determined by evaluating a stream of process break flags from a monitoring component coupled to the network. Each computer process break flag in the stream of computer process break flags indicates a process fault detected by the monitoring component and is correlated to a corrective response. The break flag and the corrective response are assigned a risk. A risk matrix accounts for interdependencies between computer processes and identified corrective actions. A final response strategy that corrects the computer process faults is determined using the assigned risk and computer system interdependence.
    Type: Grant
    Filed: November 27, 2018
    Date of Patent: May 7, 2019
    Assignee: Capital One Services, LLC
    Inventors: Bhavik Gudka, Surya Avirneni, Eric Barnum, Milind Patel
  • Patent number: 10284662
    Abstract: An improved system and method for defining an event based upon an object location and a user-defined zone and managing the conveyance of object location event information among computing devices where object location events are defined in terms of a condition based upon a relationship between user-defined zone information and object location information. One or more location information sources are associated with an object to provide the object location information. One or more user-defined zones are defined on a map and one or more object location events are defined. The occurrence of an object location event produces object location event information that is conveyed to users based on user identification codes. Accessibility to object location information, zone information, and object location event information is based upon an object location information access code, a zone information access code, and an object location event information access code, respectively.
    Type: Grant
    Filed: December 18, 2018
    Date of Patent: May 7, 2019
    Assignee: PerDiemCo LLC
    Inventor: Darrell Diem
  • Patent number: 10282987
    Abstract: A method for driving support includes: collecting driving information from a terminal mounted on a vehicle driven by a driver, the driving information including data acquired by the terminal during the vehicle is driven by the driver; evaluating a degree of safe driving of the driver in accordance with the driving information; determining whether driving behavior of the driver varies based on the driving information when the driver is a person for whom a degree of safe driving is evaluated higher than a threshold; executing a determination process for determining that a road section identified by the driving information is in a condition turning into bad road when the driving behavior is determined as being varied in accordance with the driving information; and updating road surface condition information that indicates a road surface condition in the road section, based on a result of determination in the determination process.
    Type: Grant
    Filed: January 29, 2018
    Date of Patent: May 7, 2019
    Assignee: FUJITSU LIMITED
    Inventors: Yasuhiro Aoki, Takushi Fujita
  • Patent number: 10275576
    Abstract: An automatic medical coding system is provided. The system parses features of natural language diagnosis and procedure information. The features are compared to elements of a medical coding system. Medical codes corresponding to medical coding system elements that match features of the diagnosis and procedure information are mapped to the received diagnosis and procedure information. The mapped medical code is assigned a score reflecting the estimated reliability of the mapped medical code based on the amount of manipulation of the received diagnosis and procedure information leading to the match. The scored medical code may be submitted to a workflow making use of medical codes. The scored medical code may optionally be presented to a user for review prior to further utilization of the scored medical code.
    Type: Grant
    Filed: June 1, 2015
    Date of Patent: April 30, 2019
    Assignee: PASSPORT HEALTH COMMUNICATIONS, INC
    Inventors: Elizabeth Furst, Jennifer Lynn Swindell
  • Patent number: 10274338
    Abstract: A method for improving risk situations for vehicle occupants in a vehicle which includes: configuring a set of circumstances; defining a set of values for each circumstance where each value has a rate; collecting context information for the circumstances, values and rates; collecting real-time sensor measurements pertaining to a vehicle, a driver and vehicle occupants; retrieving risk patterns from a risk pattern database; matching the sensor measurements to the risk patterns to find a matching risk pattern having a risk similarity value; contextualizing the matching risk pattern by increasing the risk similarity value to result in a personalized risk value; comparing the personalized risk value to a threshold; and executing a context modifying action to lower the personalized risk value below a predefined threshold when the personalized risk value exceeds the predefined threshold.
    Type: Grant
    Filed: December 11, 2016
    Date of Patent: April 30, 2019
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Gregory J. Boss, Ivonne R. Cuervo, Maria E. Hasbun Pacheco, Andrea Macias Garcia, Blanca R. Navarro Piedra, Edgar A. Zamora Duran
  • Patent number: 10275743
    Abstract: Systems, methods, and computer-readable storage media for processing of bail payments and/or bond payments using resources of a money transfer network are disclosed. In an embodiment, a bail payment may be made via a money transfer transaction between a sending party (e.g., a family member or friend of a defendant) and a receiving party (e.g., the court that set the defendant's bail). In an additional or alternative embodiment, a bond payment may made via a money transfer transaction between the sending party and a receiving party (e.g., the bail bondsman entity).
    Type: Grant
    Filed: January 7, 2016
    Date of Patent: April 30, 2019
    Assignee: Moneygram International, Inc.
    Inventors: Timothy Field, LaVonne Lynne Engman, Kenneth James Bengtsson, Brinkley Brown Eiting
  • Patent number: 10259466
    Abstract: A system for monitoring operator behavior, motor vehicle behavior, geography and environment, including at least one mobile device and/or at least one personal monitoring system; application software resident on the mobile device for gathering, recording, characterizing, comparing, classifying and communicating information relevant to the motor vehicle operator, the motor vehicle, the geography, and/or the environment, wherein the information is recorded and processed when the operator is operating the motor vehicle and/or not operating the motor vehicle, and wherein the application software is activated or deactivated based on certain predetermined trigger events; at least one central control system in communication with the mobile device and/or the personal monitoring device, wherein the central control system further augments, processes and classifies the information gathered by the application software and communicates the processed and characterized information to a user of the system; at least one algor
    Type: Grant
    Filed: November 19, 2015
    Date of Patent: April 16, 2019
    Assignee: DEPURA PARTNERS, LLC
    Inventors: Shalini Memani, Bhavna Shailendra Depura, Jamna Lal Depura
  • Patent number: 10262132
    Abstract: Examples relate to model-based computer attack analytics orchestration. In one example, a computing device may: generate, using an attack model that specifies behavior of a particular attack on a computing system, a hypothesis for the particular attack, the hypothesis specifying, for a particular state of the particular attack, at least one attack action; identify, using the hypothesis, at least one analytics function for determining whether the at least one attack action specified by the hypothesis occurred on the computing system; provide an analytics device with instructions to execute the at least one analytics function on the computing system; receive analytics results from the analytics device; and update a state of the attack model based on the analytics results.
    Type: Grant
    Filed: July 1, 2016
    Date of Patent: April 16, 2019
    Assignee: ENTIT SOFTWARE LLC
    Inventors: Philipp Reinecke, Marco Casassa Mont, Yolanta Beresna
  • Patent number: 10255993
    Abstract: A pet insurance system and method are provided. The pet insurance system provides rapid insurance enrollment and quick claim processing. In addition, the pet insurance system and method generates a pet health status identifier that is displayed to users of the system.
    Type: Grant
    Filed: August 28, 2018
    Date of Patent: April 9, 2019
    Assignee: Trupanion, Inc.
    Inventors: Kerri E. Marshall, Darryl Rawlings, Katie Plowman, Chris Cappelletti
  • Patent number: 10255638
    Abstract: Systems, apparatus, interfaces, methods, and articles of manufacture that provide for acquisition, management, and/or utilization of surface segment data.
    Type: Grant
    Filed: November 30, 2015
    Date of Patent: April 9, 2019
    Assignee: The Travelers Indemnity Company
    Inventors: Gregory L. Cote, Dean M. Collins, Beth S. Tirone, Christopher M. Hayes
  • Patent number: 10255639
    Abstract: Systems and methods are provided for retrieving insurance information of an insurance customer at a mobile device. An insurance information token may be affixed to a vehicle and scanned by an optical input device of the mobile device. The optical input device may thus obtain optical input corresponding to the insurance information token. The insurance information of the insurance customer may be retrieved based on the optical input and presented at a display device of the mobile device upon retrieval. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned. Telematics information may also be analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.
    Type: Grant
    Filed: August 12, 2016
    Date of Patent: April 9, 2019
    Assignee: Allstate Insurance Company
    Inventors: Benjamin Friedman, Yuval Saban
  • Patent number: 10255637
    Abstract: A method and system for performing a cash value adjustment to an insurance policy issued by an insurer and owned by a policy owner, the method performed by a computer processing system. The method may include (1) inputting parameters of an insurance policy, the parameters including controlling parameters, and the controlling parameters including: (i) a constraint dictated parameter of the insurance policy; and (ii) a driven parameter of the insurance policy. The method may further include analyzing the relationship between the constraint dictated parameter and the driven parameter; and performing a re-underwriting of the insurance policy using the parameters of the insurance policy and a set of re-underwriting criteria. The method may further include generating re-underwritten policy data to constitute a re-underwritten policy. The method may include providing an annuity.
    Type: Grant
    Filed: December 16, 2013
    Date of Patent: April 9, 2019
    Assignee: Genworth Holdings, Inc.
    Inventors: Landis W. Atkinson, III, Kevin G. Smith, Geoffrey S. Stiff
  • Patent number: 10247565
    Abstract: Systems and methods relate to, inter alia, calculating a number of expected collisions in an area over a time period. The systems and methods may further determine a number of observed collisions in the area over the time period. The systems and methods may further calculate a risk index for the area based upon a comparison between the number of expected collisions and the number of observed collisions. The systems and methods may further select a travel route for a vehicle based upon the risk index.
    Type: Grant
    Filed: April 7, 2017
    Date of Patent: April 2, 2019
    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: 10241509
    Abstract: A computer-implemented method for operating an autonomous or semi-autonomous vehicle may include identifying a vehicle operator and retrieving an associated vehicle operator profile. Operating data regarding operation of the autonomous or semi-autonomous vehicle may be received that includes data from sensors disposed within the vehicle. When a request to enable an autonomous operation feature is received, (i) autonomous operation risk levels associated with vehicle operation by the autonomous operation feature based upon the received operating data, and (ii) operator risk levels associated with vehicle operation by the vehicle operator based upon the vehicle operator profile are determined. Autonomous operation feature enablement may be allowed based upon a comparison of (i) autonomous operation risk levels with (ii) operator risk levels.
    Type: Grant
    Filed: November 6, 2015
    Date of Patent: March 26, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian Mark Fields, Chien Che Huang, Mohamed A. Wazeer, Shawn C. Bennett, Steven C. Cielocha, Ronny S. Bryant, Stephen Kohaus, Terry Quakenbush, Richard A. Novak, Aaron Scott Chan, Craig M. Main, Weixin Wu, Torri Wollenschlager, Carol Marie Csanda, Stacey Gorsuch, Todd Binion
  • Patent number: 10239527
    Abstract: Driving rating information for other vehicles in an external environment of a vehicle can be provided. The external environment of the vehicle can be sensed to detect the other vehicles. Driving rating information for the other vehicles can be received, such as directly from the other vehicles or from a remote driving ratings source. The driving rating information for the other vehicles can be presented within the vehicle. Based on such driving rating information, a vehicle occupant can decide whether or not to lead or follow a particular vehicle in the external environment. If a selection of one of the identified one or more vehicles is received from a vehicle occupant, the vehicle can be caused to implement one or more driving maneuvers relative to the selected vehicle.
    Type: Grant
    Filed: February 24, 2016
    Date of Patent: March 26, 2019
    Assignee: Toyota Motor Engineering & Manufacturing North America, Inc.
    Inventor: Hideki Hada
  • Patent number: 10241963
    Abstract: Embodiments relate to hash-based synchronization of geospatial vector features. Initially, a list of spatial data layers in a source spatial datastore is obtained. For each of the spatial data layers, a source layer hash is determined for a source data layer of the spatial data layers, a destination data layer is identified in a destination spatial datastore that is related to the source data layer, where the destination data layer is associated with a destination layer hash, and in response to determining that the source layer hash and the destination layer hash do not match, source features from the source data layer are selectively synchronized to the destination data layer.
    Type: Grant
    Filed: May 19, 2017
    Date of Patent: March 26, 2019
    Assignee: The United States of America, as represented by the Secretary of the Navy
    Inventors: Elias Ioup, Norman Schoenhardt, John T. Sample
  • Patent number: 10243960
    Abstract: A source device for systems and methods of verifying an authentication based on dynamic scoring is disclosed, wherein the source device is configured to receive at least one identification feature from a user, and to communicate the identification feature to a verification unit. The verification unit is configured to generate a base verification score associated with the user based on at least one identification input, the identification input comprising the identification feature, a feature validity rating, and a source device validity rating, to receive a request to access a service, wherein the verification unit compares the base verification score with a service authorization threshold associated with the service, and to grant access to the service when the base verification score meets the service authorization threshold.
    Type: Grant
    Filed: March 3, 2017
    Date of Patent: March 26, 2019
    Assignee: Certify Global Inc.
    Inventors: Marc Potash, Preetham Gowda
  • Patent number: 10235655
    Abstract: A system and method for computer assisted event based reconstruction and forensic analysis of vehicle accidents is provided. The system comprises an event capture device that records audio, video, and other information that collectively comprise one or more events related to a vehicle accident. The event data, including the audio, video, and other related information, is provided to an evaluation server where it is stored in a database for forensic analysis of the events comprising the vehicle accident. Event data for a specific automobile accident event is analyzed and compared to similar types of automobile accident event data in order to forensically analyze the specific event and correlate causal relationships with key elements of the event data to determine the likely cause of the accident or the factors contributing to the accident. Correlation information is also stored at the evaluation server to provide historical data points about causal relationships and key elements.
    Type: Grant
    Filed: November 1, 2017
    Date of Patent: March 19, 2019
    Assignee: Lytx, Inc.
    Inventors: Charlie Gunderson, Tom Lafleur, Doron Lurie, Bruce Moeller
  • Patent number: 10235716
    Abstract: According to some embodiments, a hail history storage device may store information periodically received from a remote third-party weather reporting service. A hail history score request associated with a geographic location and a date range may be received from a remote requester device. Responsive to the received hail history score request, a computer processor of a hail history server may automatically access information in the hail history storage device based on the geographic location and date range. Moreover, the computer processor may automatically evaluate accessed information to calculate a hail history score value. The computer processor may then transmit, to the remote requester device, historical hail evaluation data including the calculated hail history score value.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: March 19, 2019
    Assignee: Hartford Fire Insurance Company
    Inventor: Seth J Boutin
  • Patent number: 10229461
    Abstract: Embodiments are provided for determining driving behavior. In an example method for determining driver behavior from a driving session, the method includes obtaining sensor data from a sensor during a driving session, obtaining image data from an imaging device during the driving session, and analyzing at least one of the sensor data and the image data from the driving session, to identify an event of interest. The method further includes assigning a classification to the event of interest according to a correlation between the sensor data for the event of interest and at least one image from the image data for the event of interest, the correlation based on time the sensor data and the image data is obtained during the driving session, and, wherein the at least one image for the event of interest provides the context for the event of interest.
    Type: Grant
    Filed: January 5, 2015
    Date of Patent: March 12, 2019
    Assignee: Harman International Industries, Incorporated
    Inventors: Ohad Akiva, Alon Atsmon, Dan Atsmon
  • Patent number: 10217168
    Abstract: A mobile computing device that facilitates efficient and convenient processing of an insurance claim. The mobile computing device can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user's vehicle and the scene of the accident are generated and displayed on the mobile computing device. Damaged portions of the user's vehicle can be identified automatically or by the user. Damage can be tagged using the mobile computing device and additional data can be provided by the user and associated with each tag. The mobile computing device can be used to provide a preliminary claim assessment, submit a completed insurance claim application to an insurance provider, and/or process the insurance claim.
    Type: Grant
    Filed: February 27, 2013
    Date of Patent: February 26, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Nathan Lee Tofte, Kristina Renee Gish, Jennifer Chizmar
  • Patent number: 10210479
    Abstract: A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.
    Type: Grant
    Filed: July 29, 2008
    Date of Patent: February 19, 2019
    Assignee: Hartford Fire Insurance Company
    Inventors: Steven P. Rippel, James T. Birchall, John A. Hess, III, Brad Robert Fresher, Mark Philip Shipman
  • Patent number: 10210577
    Abstract: Systems and methods for capturing digital image data associated with a property for an insurance quote are described. According to certain aspects, a mobile device may enable a user to capture digital image data and/or a video stream and other information of house features and characteristics that may be used to determine insurability and estimated replacement cost of the property. The mobile device may enable the user to capture the information at the property location, which may eliminate the need for a manual assessment or characterization of home features by a homeowner. A back-end server may receive the data, analyze the data to generate an insurance quote (and/or insurance application) for the property, and transmit the insurance quote (and/or application) to the mobile device for presentation to the user. The mobile device may enable the user to select terms, deductibles, limits, and/or coverages, and ultimately approve a homeowner's insurance policy.
    Type: Grant
    Filed: January 4, 2016
    Date of Patent: February 19, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Timothy Joel Davis, Amy Engelhorn, Colby S. Kornelis
  • Patent number: 10205725
    Abstract: A source device for systems and methods of verifying an authentication based on dynamic scoring is disclosed, wherein the source device is configured to receive at least one identification feature from a user, and to communicate the identification feature to a verification unit. The verification unit is configured to generate a base verification score associated with the user based on at least one identification input, the identification input comprising the identification feature, a feature validity rating, and a source device validity rating, to receive a request to access a service, wherein the verification unit compares the base verification score with a service authorization threshold associated with the service, and to grant access to the service when the base verification score meets the service authorization threshold.
    Type: Grant
    Filed: March 3, 2017
    Date of Patent: February 12, 2019
    Assignee: Certify Global Inc.
    Inventors: Marc Potash, Preetham Gowda
  • Patent number: 10198609
    Abstract: Techniques are described for facilitating and/or optimizing a transaction, such as a purchase transaction, through the use of scanned data. In some implementations, a user may use a portable computing device to scan a vehicle tag (e.g., vehicle identification number) that is affixed to a vehicle and determine vehicle information. The user may also scan a user tag such as a driver's license to determine user data that identifies the user. The vehicle data and/or user data may be communicated to transaction service(s), which generate transaction data that may be specific to the particular user that provided the vehicle data and/or user data. The transaction data may include information regarding a price of the vehicle, terms of a loan that the user may take out to finance the purchase of the vehicle, information regarding an insurance policy for insuring the vehicle, and so forth.
    Type: Grant
    Filed: September 21, 2017
    Date of Patent: February 5, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Shantanu Tripathy, David Lindley, Ricardo Alcantar, Adam Walker Moran, Rupesh Dhakal
  • Patent number: 10189481
    Abstract: An apparatus for providing profile information, in which a mobile device is connected to a vehicle device through a first communication network and connected to a profile information providing server through a second communication network, includes a driving information collection unit configured to collect driving information of a vehicle, a driving state determination unit configured to determine a driving state of a mobile device user based on the driving information, and a communication unit configured to transmit a driving state determination result to the profile information providing server.
    Type: Grant
    Filed: December 2, 2015
    Date of Patent: January 29, 2019
    Assignee: Hyundai Motor Company
    Inventor: Geon Guk Ahn
  • Patent number: 10189479
    Abstract: Methods and apparatus are disclosed to monitor and evaluate vehicle operator behavior. An example method includes processing, using a particularly programmed processor, image data obtained with respect to a vehicle to identify an object in the image data. The example method includes measuring, using the mobile device, a geographic location of the vehicle. The example method includes determining, using the mobile device, an operating state of the vehicle. The example method includes analyzing the object in the image data, the geographic location, and the operating state of the vehicle to determine a behavior of the vehicle. The example method includes generating a score for a driver associated with the vehicle by comparing the behavior of the vehicle with a reference behavior, the reference behavior quantified by one or more driving metrics. The example method includes outputting the score.
    Type: Grant
    Filed: April 6, 2016
    Date of Patent: January 29, 2019
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Timothy Innes, Stephen Mitchell, Soe Naing, Matthew O'Donnell, Andrew Silva
  • Patent number: 10186134
    Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: January 22, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Phillip Moon, Sunish Menon, Jeffrey Kinsey, Jeffrey W. Stoiber
  • Patent number: 10185998
    Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous (and/or semi-autonomous) operation features are provided. According to certain aspects, operating data from sensors within or near the vehicle may be used to determine fault for a vehicle accident, such as a collision. The operating data may include information regarding use of the features at the time of the accident and may further be used to determine an allocation of fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to determine and/or adjust coverage levels for an insurance policy associated with the vehicle. The allocation of fault may further be used to adjust risk levels or profiles associated with the vehicle operator or with the autonomous operation features.
    Type: Grant
    Filed: May 15, 2015
    Date of Patent: January 22, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10181079
    Abstract: Methods and systems for automating the management and processing of roof damage analysis. In some embodiments image data associated with damaged roofs is collected and automatically analyzed by a computing device. In some embodiments, the image data is modified automatically to include descriptive metadata and visual indicia marking potential areas of damage. In one embodiment, the systems and methods include a remote computing device receiving visual data associated with one or more roofs. In one embodiment, insurance company specific weightings are determined and applied to received information to determine a type and extent of damage to the associated roof. In one embodiment, results of the methods and systems may be used to automatically generate a settlement estimate or supplement additional information in the estimate generation process.
    Type: Grant
    Filed: February 28, 2017
    Date of Patent: January 15, 2019
    Assignee: ACCURENCE, INC.
    Inventors: Zachary Labrie, Benjamin Zamora
  • Patent number: 10181161
    Abstract: Methods and systems for determining collision risk associated with operation of autonomous vehicles using autonomous communication are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including features associated with autonomous communication between vehicles or with infrastructure. This information may be used to determine collision risk levels for a plurality of features, which may be based upon test data regarding the features or actual collision data. Expected use levels and autonomous communication levels may further be determined and used with the collision risk levels to determine a total collision risk level associated with operation of the vehicle. The autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication.
    Type: Grant
    Filed: May 15, 2015
    Date of Patent: January 15, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10176524
    Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to collect vehicle driving data and infrastructure data in response to a collision. Vehicle driving data may be received from a first vehicle involved in the collision and a second vehicle involved in the collision. Vehicle driving data may be received for vehicles within a defined radius of the first vehicle and/or the second vehicle. Infrastructure data from infrastructure elements within a defined vicinity of the first vehicle and/or the second vehicle may be received. The received data may be used to initiate an insurance claim, assess fault for the collision, and detect fraudulent claims.
    Type: Grant
    Filed: October 26, 2015
    Date of Patent: January 8, 2019
    Assignee: Allstate Insurance Company
    Inventors: Jennifer A. Brandmaier, Martin Higgins, William Loo, Christopher G. Plachta, Philip Peter Ramirez
  • Patent number: 10176525
    Abstract: A method, computer system, and/or computer program product dynamically adjusts an insurance policy parameter for a self-driving vehicle (SDV) operating in manual mode. One or more processors receive a copy of manual control signals from an SDV, where the SDV is in manual mode during a particular time period. The processor(s) also receive a copy of computer control signals generated by an SDV on-board computer on the SDV during the particular time period, and compare the manual control signals to the computer control signals. In response to the manual control signals matching the computer control signals within a predetermined range, the processor(s) adjust an insurance policy parameter for the SDV while the SDV is being controlled by the particular human operator.
    Type: Grant
    Filed: November 9, 2015
    Date of Patent: January 8, 2019
    Assignee: International Business Machines Corporation
    Inventors: Michael S. Gordon, James R. Kozloski, Ashish Kundu, Peter K. Malkin, Clifford A. Pickover
  • Patent number: 10176347
    Abstract: A system and method are provided for managing the safety of a plurality (10) of personal protection equipment items (11). The system and method assign unique identifiers (12) to each of the items (11) and encodes the identifiers (12) into Ultra High Frequency RFID chips (18) attached to each of the items (11). A user (29) can identify the specific items (11) in the user's inventory by scanning the chips (18) and the system can provide safety information relevant to each of the specific items (11) based on the chips (18) that are scanned, including training information specific to each item (11), training information specific to each worker (34) assigned to each item (11) by a user (29), and maintenance and/or inspection protocols in the form of images (60) illustrating the steps of the protocols and text (62) explaining the steps.
    Type: Grant
    Filed: April 8, 2016
    Date of Patent: January 8, 2019
    Assignee: HONEYWELL INTERNATIONAL INC.
    Inventor: Neil A. Alan
  • Patent number: 10176530
    Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.
    Type: Grant
    Filed: February 27, 2017
    Date of Patent: January 8, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Gregory Hayward, Scott T. Christensen, Christopher E. Gay, Steven Cielocha, Todd Binion
  • Patent number: 10169824
    Abstract: A method, medium, and apparatus for allowing evaluation of property, such as damaged property, remotely and efficiently. A mobile computing device at the location of the property may be used to transmit video of the property to an adjuster, and to receive video and audio communications from the adjuster. The adjuster may be selected from a queue based on time waiting in the queue and/or a number of other statistics and attributes of the adjuster. The adjuster may converse with an owner of the property and capture video of the property in order to make an appraisal or determine the infeasibility of remote appraisal and the need to instruct another adjuster to perform a physical inspection.
    Type: Grant
    Filed: August 17, 2017
    Date of Patent: January 1, 2019
    Assignee: Allstate Insurance Company
    Inventors: Sean Beavers, Christopher Paul Gutsell, Cheryl Lewis, Margaret K. Striebich, John P. Kelsh
  • Patent number: 10169856
    Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to an object. For example, an unmanned vehicle may project a laser pattern and use information associated with the laser pattern to determine characteristics of the object.
    Type: Grant
    Filed: June 6, 2016
    Date of Patent: January 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Anthony Scott Farnsworth, Jordan A. Newmark, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione
  • Patent number: 10166732
    Abstract: The present invention provides an annular beam of monolithic construction of one homogeneous material and a related efficient, low-cost non-pneumatic tire. Specific geometric design, combined with nonlinear elastomer physical properties, enable the suppression of all reinforcing belts, continuous fibers, or other strengthening layers in the annular beam. The annular beam consists of at least two bands that are continuous in the circumferential direction and connected by a web geometry. The non-pneumatic tire consists of the annular beam, a ground contacting portion, a central wheel, and a plurality of web spokes that connect the wheel and beam. When the tire is loaded to a design load against a flat surface over a design contact length, a contact area of essentially uniform pressure is produced, while the load is transmitted from the beam to the hub via tension in the web spokes. The tire can be economically manufactured.
    Type: Grant
    Filed: August 15, 2017
    Date of Patent: January 1, 2019
    Assignee: CAMSO INC.
    Inventor: Ronald H. Thompson
  • Patent number: 10163161
    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 20, 2013
    Date of Patent: December 25, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventor: John C. Hopkins
  • Patent number: 10163160
    Abstract: A method for identifying whether a house qualifies for homeowner's insurance is provided. The method includes receiving, by a computer system, from a user device, an indication of the house. The computer system is operated on behalf of an entity that issues homeowner's insurance, The user device is operated by a prospective purchaser of the house, and the indication is sufficient to identify the house. The method also includes retrieving, from a first database, characteristics linked with the house. The characteristics include one or more geohazard characteristics. The method further includes determining, whether the house qualifies for homeowner's insurance by the entity that issues homeowner's insurance using the characteristics linked with the house, storing, data indicating whether the house qualifies for homeowner's insurance, and transmitting to the user device of the prospective purchaser, the indication of whether the house qualifies for homeowner's insurance.
    Type: Grant
    Filed: April 27, 2011
    Date of Patent: December 25, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael Joseph Gaeta, Michael Richard Wilkins, Cedric Matterson
  • Patent number: 10160457
    Abstract: Methods and systems for monitoring vehicle occupants using infrared and other sensors are disclosed. The systems may use infrared sensor data to identify each vehicle occupant using biometric signatures (such as heartbeat or facial recognition). Vehicle occupant characteristics may be determined that include skeletal characteristics of the occupants. Further monitoring of the occupants using sensor data may occur until an abnormal situation is detected. Abnormal situations may include medical emergencies, driver impairment, security threats, or similar situations requiring correcting action. The system may then determine and implement an appropriate response to the abnormal situation. Such responses may include generating alerts, adjusting vehicle environmental controls, taking control of operation of the vehicle (such as an autonomous or semi-autonomous vehicle), or initiating wireless communication with an outside party, such as an emergency service.
    Type: Grant
    Filed: March 9, 2018
    Date of Patent: December 25, 2018
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Seth O'Flaherty, Sean Mahaffey, Ayush Kumar, Jacob Schroeder
  • Patent number: 10157262
    Abstract: Systems and methods are provided for determining patient financial responsibility for multiple prescription products across multiple healthcare transactions. A service provider computer can receive multiple healthcare transactions, and can evaluate each to determine if it includes a total group transaction number and a transaction number. The service provider computer can compare the transaction number to the total group transaction number to determine if all transactions within a group have been received. Once received, the transactions can be transmitted to the claims processor computer for adjudication. Upon receiving the adjudicated response for each transaction within the group, the service provider computer can identify the patient co-pay for each of the adjudicated responses in the group and can calculate a total patient pay amount based on the group of patient co-pays. The total patient pay amount may then be transmitted to a healthcare provider computer associated with a healthcare provider.
    Type: Grant
    Filed: March 10, 2015
    Date of Patent: December 18, 2018
    Assignee: MCKESSON CORPORATION
    Inventor: Roger G. Pinsonneault
  • Patent number: 10154077
    Abstract: The system may search network nodes for collections of actionable items which users may desire to add to their personal list. The system may operate as an extension on a user interface that searches displayed network content for actionable items which users may desire to add to their personal list which may be shared with other users.
    Type: Grant
    Filed: April 18, 2016
    Date of Patent: December 11, 2018
    Assignee: DIDIT, INC.
    Inventors: David Paschkes, Mohammad Rahman, Kevin Miller
  • Patent number: 10152753
    Abstract: According to some embodiments, systems, methods, apparatus, computer program code and means may display information from a medical risk factor computer storage unit. Information associated with an insurance policy, having an insurance policy identifier, may then be received from an underwriter along with a plurality of medical risk factor values for the insurance policy. The plurality of medical risk factor values may be stored into an insurance policy storage unit in association with the insurance policy identifier. An overall risk level associated with the insurance policy may be automatically calculated based on the plurality of medical risk factor values, and at least one file may be locally saved associating overall risk level with the insurance policy identifier and/or medical risk factor values.
    Type: Grant
    Filed: October 16, 2014
    Date of Patent: December 11, 2018
    Assignee: Hartford Fire Insurance Company
    Inventors: David F. Dellaripa, Aubrey T Heilman, Gary Robbins