Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Patents (Class 705/4)
  • 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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
  • Patent number: 10148600
    Abstract: A system and method simulates conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.
    Type: Grant
    Filed: May 17, 2018
    Date of Patent: December 4, 2018
    Assignee: PROGRESSIVE CASUALTY INSURANCE COMPANY
    Inventors: Matthew T. White, Brian J. Surtz, Callen C. Cox
  • Patent number: 10147141
    Abstract: A method includes receiving a request for a user interface configuration schema, and, in response to receiving the request, providing the user interface configuration schema to the electronic device. The request may be received from or at an electronic device. The user interface configuration schema may include information for configuring one or more input fields of a user interface provided by the electronic device. Subsequent to providing the user interface configuration schema, the method includes receiving information from the electronic device. The information may correspond to data entered into the one or more input fields of the user interface. The method includes determining whether the received information is valid, and, in response to a determination that the received information is valid, providing rate information associated with an insurance product offering to the electronic device.
    Type: Grant
    Filed: June 22, 2015
    Date of Patent: December 4, 2018
    Assignee: Insurance Technologies Corporation
    Inventor: Laird Rixford
  • Patent number: 10137889
    Abstract: A method and system for detecting an accident of a vehicle, the method including: receiving a movement dataset collected at least at one of a location sensor and a motion sensor arranged within the vehicle, during a time period of movement of the vehicle, extracting a set of movement features associated with at least one of a position, a velocity, and an acceleration characterizing the movement of the vehicle during the time period, detecting a vehicular accident event from processing the set of movement features with an accident detection model, and in response to detecting the vehicular accident event, automatically initiating an accident response action.
    Type: Grant
    Filed: October 9, 2017
    Date of Patent: November 27, 2018
    Assignee: Zendrive, Inc.
    Inventors: Jayanta Pal, Bipul Islam, Romit Roy Choudhury, Pankaj Risbood, Jonathan Matus, Vishal Verma
  • Patent number: 10134088
    Abstract: Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.
    Type: Grant
    Filed: September 30, 2013
    Date of Patent: November 20, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
  • Patent number: 10135920
    Abstract: A method and apparatus for providing an opportunistic crowd based service platform is disclosed. A mobile sensor device is identified based on a current location and/or other qualities, such as intrinsic properties, previous sensor data, or demographic data of an associated user of the mobile sensor device. Data is collected from the mobile sensor device. The data collected from the mobile sensor device is aggregated with data collected from other sensor devices, and content generated based on the aggregated data is delivered to a user device.
    Type: Grant
    Filed: January 2, 2018
    Date of Patent: November 20, 2018
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Eric Zavesky, Andrea Basso, Lee Begeja, David C. Gibbon, Zhu Liu, Bernard S. Renger, Behzad Shahraray
  • Patent number: 10134259
    Abstract: In an approach for asset management, a processor identifies the location of an asset. A processor receives information specific to the location of the asset. A processor determines that an alert is required based on at least the asset, the location of the asset, and the information specific to the location of the asset. A processor generates an alert.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: November 20, 2018
    Assignee: International Business Machines Corporation
    Inventors: Gregory J. Boss, Andrew R. Jones, Charles S. Lingafelt, Kevin C. McConnell, John E. Moore, Jr.
  • Patent number: 10127467
    Abstract: Systems and methods for assessing vehicle operation are provided. According to certain aspects, an electronic device may receive and analyze image data depicting an individual located within a vehicle. The electronic device may also access and compile vehicle operation data and operator data corresponding to a state or condition of the vehicle operator. The electronic device may identify, from the vehicle operator data, a set of close misses experienced by the vehicle, correlate the set of close misses with a state or condition of the vehicle operator, and attribute at least some of the close misses to the vehicle operator. A remote server may aggregate and compile corresponding data from a plurality of vehicles.
    Type: Grant
    Filed: January 10, 2018
    Date of Patent: November 13, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Aaron Scott Chan, Kenneth Jason Sanchez
  • Patent number: 10127610
    Abstract: Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.
    Type: Grant
    Filed: May 16, 2013
    Date of Patent: November 13, 2018
    Assignee: Federal Home Loan Mortgage Corporation (Freddie Mac)
    Inventors: Henry James Cassidy, David Kevin Horne, Tyler Taile Yang, John Patrick McMurray
  • Patent number: 10127502
    Abstract: The system includes a variety of aspects which allow users to efficiently receive reimbursement for claims. Claims accepted by CMS result in reimbursement for claimants. Claims rejected by CMS represent lost revenue for claimants. In order to maximize accepted claims and minimize rejected claims, the system provides for the generation of more accurate PDE files for submission and for the accumulation and formatting of information received from CMS to facilitate correction of PDE errors. These aspects work in tandem to minimize lost revenue for the claimant. Further, aspects described herein help minimize PDE error rates. Such minimization of errors can affect the reputation, business model, credibility, and competitive posture of Part D plan sponsors. Accordingly, minimization of PDE error rates is important to the overall design, function, and profitability of any Medicare Part D plan sponsor.
    Type: Grant
    Filed: July 28, 2010
    Date of Patent: November 13, 2018
    Assignee: MEDIMPACT HEALTHCARE SYSTEMS, INC.
    Inventors: Timothy Rourke, Sherry Pound, Emebet Solomon Selassie, Rene Agamata Tangonan
  • Patent number: 10121217
    Abstract: A first acquirers receives, via a payment network configured to facilitate transactions between multiple issuers and multiple acquirers, an authorization response flagged with a flag. The flag indicates that clearing of a first transaction, associated with the authorization response, is to be suspended. The first transaction initially has an uncertain amount, and is associated with a first payment account, of a first user, associated with a first issuer. Subsequent determination of a final certain amount for the first transaction is awaited. Upon determination of the final certain amount, the first one of the acquirers proceeds with clearing the first transaction, based on the final certain amount. The steps are repeated for at least a second acquirer and at least a second transaction. The second transaction is associated with a second payment account, of a second user, associated with a second one of the issuers.
    Type: Grant
    Filed: July 17, 2008
    Date of Patent: November 6, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Brian J. Clubb, Daniel M. Cohen, Sara E. Fiebiger, Matthew L. Lanford, Jennifer W. Vanderwall, Alec S. Wilkins
  • Patent number: 10121205
    Abstract: A method includes retrieving data about vehicle operator behavior via a computer network, wherein the data about vehicle operator behavior is generated by a motion sensing device adapted to monitor movements of a vehicle operator, and clustering the data about vehicle operator behavior into a plurality of groups of data. The method further includes determining a numerical level of risk corresponding to each of the plurality of groups of data and generating an insurance rate for an insurance product, wherein the insurance rate is consistent with the numerical levels of risk corresponding to each of the plurality of groups of data.
    Type: Grant
    Filed: January 8, 2015
    Date of Patent: November 6, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kenneth J. Sanchez, Aaron Scott Chan, Matthew R. Baker, Matthew Zettinger, John A. Nepomuceno, Brian Mark Fields
  • Patent number: 10121193
    Abstract: A method for processing a life insurance facultative case summary submission over a network between a ceding company and a reinsurer. Initially, a facultative case summary submission is received by the reinsurer from the ceding company via the network. Thereafter, a facultative decision is rendered by the reinsurer based on the received facultative case summary submission. Because the information is summarized and sent electronically or via voice message, less information is processed in a faster period of time thereby rendering quicker decisions than when the complete case history is submitted to the reinsurer for review.
    Type: Grant
    Filed: April 10, 2002
    Date of Patent: November 6, 2018
    Assignee: Swiss Reinsurance Company Ltd.
    Inventors: William E. Moore, Thomas D. McCarthy
  • Patent number: 10109013
    Abstract: A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distance driven by a customer. In one embodiment of the present invention, the first miles or kilometers driven by a customer are assigned a greater level of risk than later-driven miles or kilometers. The present invention provides an actuarial method that more closely conforms the cost of insurance for a particular vehicle to its annual mileage by creating a Rate Per Mile Factor (RMF), where the RMF is expressed as a function of annual mileage.
    Type: Grant
    Filed: July 24, 2014
    Date of Patent: October 23, 2018
    Assignee: Allstate Insurance Company
    Inventors: Frederick F. Cripe, Stephen Fiete
  • Patent number: 10102587
    Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: October 16, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
  • Patent number: 10104527
    Abstract: A method for assessing a safety of a user of an application executing on a mobile device, including collecting a location data, a motion data, and a location data source from the application; transmitting, at a time, the location data, the motion data, and the location data source to a server; obtaining, from the server, a normal behavior data associated with the user; determining an abnormality score; determining a confidence score; determining a threat score; determining a threat type; calculating a safety score for the user; determining that the safety score is less than a safety score threshold; and transmitting a message to the mobile device of the user requesting a reply.
    Type: Grant
    Filed: April 13, 2017
    Date of Patent: October 16, 2018
    Assignee: Life360, Inc.
    Inventors: Dylan Keil, Charlie Kubal, Alexander Haro
  • Patent number: 10095693
    Abstract: An apparatus includes a communications component to receive a specified variable and one or more specified criteria to select a final clustered representation of a network, the specified criteria including a maximum degree of loss of information for the specified variable for the final clustered representation; and an iterative collapse component to perform iteration(s) of deriving the final clustered representation.
    Type: Grant
    Filed: May 12, 2015
    Date of Patent: October 9, 2018
    Assignee: SAS Institute Inc.
    Inventors: James Edward Georges, Dan Kelly, Jin-Whan Jung, John Clarke Brocklebank, Adheesha Sanjaya Arangala, Julius Alton King
  • Patent number: 10096067
    Abstract: System and methods are disclosed for determining, through vehicle-to-vehicle communication, whether vehicles are involved in autonomous droning. Vehicle driving data and other information may be used to calculate a autonomous droning reward amount. In addition, vehicle involved in a drafting relationship in addition to, or apart from, an autonomous droning relationship may be financially rewarded. Moreover, aspects of the disclosure related to determining ruminative rewards and/or aspects of vehicle insurance procurement/underwriting.
    Type: Grant
    Filed: January 24, 2014
    Date of Patent: October 9, 2018
    Assignee: Allstate Insurance Company
    Inventor: Mark V. Slusar
  • Patent number: 10096069
    Abstract: A multiproduct quoting system facilitates the purchase of multiple insurance products from two or more insurance underwriters as a bundled insurance package. A multiproduct server renders consolidated views of the multiple insurance products or combined rates of the multiple insurance products based on a plurality of insurance scores. A payment server coupled to the multiproduct server renders individualized payment plans for each of the multiple insurance products. An insurance policy module in communication with the multiproduct server renders an integrated insurance document that reflects a user's selected insurance policy parameters.
    Type: Grant
    Filed: April 20, 2017
    Date of Patent: October 9, 2018
    Assignee: Progressive Casualty Insurance Company
    Inventors: William L. Clawson, II, Brian J. Surtz, Jennifer N. Burk
  • Patent number: 10086782
    Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicle and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the condition of components for salvage following a collision or other loss-event. To this end, the information regarding a plurality of components may be received. A component of the plurality of components may be identified for assessment. Assessment may including causing test signals to be sent to the identified component. In response to the test signal, one or more responses may be received. The received response may be compared to an expected response to determine whether the identified component is salvageable.
    Type: Grant
    Filed: January 18, 2017
    Date of Patent: October 2, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10089691
    Abstract: Methods and systems for detecting inaccurate insurance claims associated with a loss event are provided. An insurance provider may receive loss event data associated with the loss event from a variety of sources. The insurance provider may also receive an insurance claim submission from the claimant customer that indicates an insured property and a claimed amount of damage to the insured property. The insurance provider examines the loss event data to estimate an actual amount of damage experienced by the property as a result of the loss event, and compares the actual amount of damage to the claimed amount of damage. Based on the comparison, the insurance provider may approve the insurance claim, deny the insurance claim, or flag the insurance claim. The systems and methods thus aim to reduce fraudulent or otherwise inaccurate insurance claim filings.
    Type: Grant
    Filed: December 4, 2013
    Date of Patent: October 2, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Michael K. Cook
  • Patent number: 10089694
    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: May 19, 2015
    Date of Patent: October 2, 2018
    Assignee: Allstate Insurance Company
    Inventor: Edward A. Biemer
  • Patent number: 10089695
    Abstract: Systems and methods for managing a long-term care insurance policy associated with a property are provided. According to certain aspects, configuration data associated with a component installed within the property may be received and analyzed to determine that the component is not included in a long-term care insurance policy of the property. The component may be analyzed to determine a discount associated with the long-term care insurance policy, and the discount may then be applied to the long-term care insurance policy.
    Type: Grant
    Filed: September 3, 2015
    Date of Patent: October 2, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Jeremy Myers, Brittany Boyer, Dana Hunt, David Turrentine, Larry J. Ingrum, Erin Olander, Nicole M. Blakney, Aaron C. Williams
  • Patent number: 10089553
    Abstract: A method of automatically extracting a validity period of a driving license is disclosed. The method include: extracting candidate contour regions in an image file of a vehicle driving license and selecting from among the candidate contour regions at least one containing an annual inspection validity period; extracting character contours in each selected candidate contour region; acquiring a smallest circumscribed rectangle of each character contour, and dividing the acquired smallest circumscribed rectangles into individual single-character blocks; sorting these single-character blocks according to their positions in the contour region; recognizing a corresponding character of each single-character block; generating a character string representing the annual inspection validity period using the recognized characters based on the sorting; and extracting and taking time data in the character string as the annual inspection validity period of the contour region.
    Type: Grant
    Filed: February 28, 2017
    Date of Patent: October 2, 2018
    Assignee: PING AN TECHNOLOGY (SHENZHEN) CO., LTD.
    Inventors: Jianzong Wang, Ming Liu, Jing Xiao
  • Patent number: 10089692
    Abstract: A method comprises retrieving data about vehicle operator behavior via a computer network and clustering the data about vehicle operator behavior into a plurality of groups of data, each of the plurality of groups of data representing a type of movement of the vehicle operator. The method further includes determining a numerical level of risk corresponding to each of the plurality of groups of data by executing a learning routine and generating a communication to be transmitted to user of a remote computing device. The communication is based on the one or more of the numerical levels of risk or the types of movements corresponding to the plurality of groups of data.
    Type: Grant
    Filed: January 8, 2015
    Date of Patent: October 2, 2018
    Assignee: STATE FARM MUTUTAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kenneth J. Sanchez, Aaron Scott Chan, Matthew R. Baker, Matthew Zettinger, John A. Nepomuceno, Brian Mark Fields
  • Patent number: 10083626
    Abstract: Tagged driving events may be generated during a driving session from sensor data collected via one or more sensors and/or entered by an instructor. The tagged driving events may include a description of each driving event and its associated severity or weight as it relates to a scoring process as well as a time and/or a location of the driving event. A driving session report may be generated using the tagged driving events and may include a driver feedback score that is weighted based on the severity associated with each of the tagged driving events and/or the collected data, a map of the driving session route that indicates a map location of each tagged driving event, and/or a listing of each tagged driving event. The driving session report may be displayed such that a user may select a tagged driving event to view information associated with the tagged driving event.
    Type: Grant
    Filed: November 14, 2017
    Date of Patent: September 25, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian Mark Fields, Steve Roberson, Abhishek Harish, Hyunji Lim, Matthew James Waughtel