Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Patents (Class 705/4)
  • Patent number: 11176599
    Abstract: A method of providing access to auxiliary data for a provider subsystem includes: storing offer data corresponding to an item, the offer data including (i) primary data, and (ii) auxiliary data defining an adjustment between the primary data and corresponding published data stored at an external repository; storing the offer data in an auxiliary repository; in response to an order request from a client subsystem: obtaining an order identifier corresponding to the offer data; and updating the auxiliary repository to store the order identifier in association with the offer data; in response to obtaining the order identifier, generating a reporting message for transmission to a provider subsystem, the reporting message containing the primary data and omitting the auxiliary data; and subsequent to generating the reporting message, retrieving the offer data from the auxiliary repository, and sending at least the auxiliary data to the provider subsystem.
    Type: Grant
    Filed: November 29, 2019
    Date of Patent: November 16, 2021
    Assignee: AMADEUS S.A.S.
    Inventors: Corinne Francoise Pascale Landra, Michael Dominique Raymond Galopo
  • Patent number: 11176824
    Abstract: A device can receive parking metadata that includes location data indicating that a portion of a vehicle is located outside of a designated parking area (DPA). The device can process the parking metadata to identify values that are to be used when determining actions to perform. The device can obtain supplemental events data associated with events occurring near the DPA. The device can determine the actions to perform based on the parking metadata and the supplemental events data. The device can provide, as one of the actions and to one or more other devices or to the vehicle, a message indicating that the portion of the vehicle is located outside of the DPA. This can cause the one or more other devices or the vehicle to: move the vehicle from the DPA, reposition the vehicle within the DPA, or penalize an owner of the vehicle.
    Type: Grant
    Filed: December 18, 2018
    Date of Patent: November 16, 2021
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Brian Refsdal, Nick G. Suizo, Kent Ryhorchuk, Tibor Gyimesi, Andrew W. Herson, Istvan Horvath
  • Patent number: 11176275
    Abstract: De-identification of source entity data is provided, in which a process obtains source entity data having an entity identifier and entity attribute data in respective formats for entity attributes of that entity, obtains a predefined library of fictitious entities with corresponding fictitious entity attribute data, for the entity attributes, that is in the respective formats, and generates a de-identified entity lookup list by applying a transformation to the entity identifier to produce a transformed entity identifier, selecting a fictitious entity from the predefined library of fictitious entities, and writing to the de-identified entity lookup list the entity identifier, the transformed entity identifier, and the fictitious entity attribute data, for the entity attributes, that corresponds to the selected fictitious entity. The process also processes entity file(s) using the de-identified entity lookup list to de-identify the entity and produces de-identified entity file(s).
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: November 16, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Kalp Soni, Prashant Singh
  • Patent number: 11175660
    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: January 3, 2019
    Date of Patent: November 16, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Brian Mark Fields, Chien Che Huang, Mohamed A Wazeer, Shawn C Bennett, Steven 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: 11170450
    Abstract: A data processing system for insurance claims analysis and adjudication implements obtaining policy coverage information for each of a plurality of insurance policies and insurance claim information associated with an insured user, analyzing the insurance claim information using a first machine learning model to identify an occurrence of a first type of event and a first group of insurance claims associated with the first type of event; analyzing the first group of insurance claims, the policy information, and an indication of the first type of event using a second machine learning model to obtain a prediction whether a respective insurance policy will cover the first insurance claim; and responsive to determining that the respective insurance policy will cover the first insurance claim, causing a user interface to be presented on a display of a computing device associated with the insured user to guide the insured user through submitting the first insurance claim to an insurance provider associated with the
    Type: Grant
    Filed: April 13, 2021
    Date of Patent: November 9, 2021
    Assignee: Nayya Health, Inc.
    Inventors: Akash Magoon, Aman Magoon, John Joseph Glorioso, Jr., Sina Chehrazi
  • Patent number: 11170589
    Abstract: System and method for enabling predefined events to be used to trigger the collection of vehicle position data. A combination GSM device and GPS device is used to collect vehicle position data and to convey that position data to a remote computing device for review and/or analysis. There is a tradeoff between collecting too much data (cell phone bill is too high) and collecting too little data (value added analytics cannot be achieved without sufficient data). The concepts disclosed herein relate to method and apparatus to enable the data collection/transmission paradigm of such a GSM/GPS to be varied (or triggered) based on the detection of one or more predefined events. This enables data which can contribute to value added analytics to be acquired, without wasting airtime on unimportant data.
    Type: Grant
    Filed: August 16, 2017
    Date of Patent: November 9, 2021
    Assignee: Zonar Systems, Inc.
    Inventor: Bryan Hunt
  • Patent number: 11170548
    Abstract: Computer program products, methods, systems, apparatus, and computing entities are provided for overcoming the technical problem of providing an augmented reality that displays an actual image of the item or a proportionally dimensioned representation of the item to a user. To overcome this challenge, two separate approaches can be used: a beacon/tag/sensor-based approach and a marker-based approach.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: November 9, 2021
    Assignee: United Parcel Service of America, Inc.
    Inventors: Andrew Dotterweich, Christopher T. Schenken, Jeffrey Cooper
  • Patent number: 11172432
    Abstract: The present disclosure relates to methods and apparatuses. According to an embodiment of the disclosure, a method includes: determining whether a cell supports aerial service; broadcasting conventional cell bar parameters associated with the cell; and broadcasting aerial cell bar parameters associated with the cell when the cell supports aerial service. Embodiments of the disclosure solve the technical problem concerning aerial cell bar, and thus can facilitate introducing aerial UEs into wireless networks.
    Type: Grant
    Filed: August 18, 2017
    Date of Patent: November 9, 2021
    Assignee: LENOVO (BEIJING) LIMITED
    Inventors: Jing Han, Lianhai Wu, Haiming Wang
  • Patent number: 11170448
    Abstract: Embodiments relate to system for automatically predicting payer response to claims. In an embodiment, the system receives claim data associated with a claim. The system identifies a set of claim features of the claim data, and generates an input vector with at least a portion of the set of claim features. The system applies the input vector to a trained model. A first portion of the neural network is configured to generate an embedding representing the input vector with a lower dimensionality than the input vector. A second portion of the neural network is configured to generate a prediction of whether the claim will be denied based on the embedding. The system provides the prediction for display on a user interface of a user device. The prediction may further include denial reason codes and a response date estimation to indicate if, when, and why a claim will be denied.
    Type: Grant
    Filed: March 13, 2020
    Date of Patent: November 9, 2021
    Assignee: AKASA, Inc.
    Inventors: Byung-Hak Kim, Hariraam Varun Ganapathi, Andrew Atwal
  • Patent number: 11170347
    Abstract: The present disclosure relates generally to systems and methods for delivering personalized content to a customer. More specifically, the present disclosure relates to systems and methods for providing notifications related to the needs of a customer. A content management system may determine the needs of a customer as they relate to relevant products and/or services offered by one or more business entities, determine and prioritize actions that may fulfill these needs, and deliver personalized content to the customer based on the customer's information. Accordingly, the systems and techniques provided herein may improve the efficiency and reduce the time involved with delivering effective content to a customer.
    Type: Grant
    Filed: June 10, 2020
    Date of Patent: November 9, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brady Carl Stephenson, Michael Frederick Willette, Gunjan C. Vijayvergia
  • Patent number: 11170446
    Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: November 9, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: David W. Thurber
  • Patent number: 11164184
    Abstract: A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.
    Type: Grant
    Filed: May 20, 2020
    Date of Patent: November 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Harjender Singh, Patrik Smets, Philip Wei Ping Yen
  • Patent number: 11162800
    Abstract: Systems and methods are disclosed for detecting vehicular accidents based on sensor data, such as data from a mobile device in a vehicle or data from the vehicle's sensors. If an accident is detected, the system may determine whether to collect sensor data from additional sources, such as additional vehicle sensors or additional mobile devices (e.g., a pedestrian's mobile device or a mobile device within a vehicle). The system may also determine whether to collect data from traffic devices or from contextual data sources. The data may be used by the system to determine which party is at fault in the accident. The data may also be used to generate a visualization of the accident.
    Type: Grant
    Filed: January 11, 2016
    Date of Patent: November 2, 2021
    Assignee: Arity International Limited
    Inventors: Andrew L. Carbery, Matthew James Manzella, Cynthia Sandberg, Connor Walsh
  • Patent number: 11164261
    Abstract: Aspects of the invention include methods and systems for a vehicle insurance claim management application which improves communication and streamline tasks between a vehicle repair shop and an insurance company system in three general task groups: assignment (comprising work requests, estimates/photos, and reinspections), financial management, and performance measurement. Aspects of the invention also provide interoperability with different types of estimating systems that do not necessarily follow an industry standard. This interoperability is provided through an adapter module with a claim processing system to communicate with the insurance company system and the vehicle insurance claim management application. The invention is preferably accessed by a user over a computer network such as the Internet, from a remote location such as a vehicle repair shop.
    Type: Grant
    Filed: September 11, 2019
    Date of Patent: November 2, 2021
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventors: Randall Martin Hanson, Raj Albert Upadhyaya, Srinivas Reddy Gangaram, Erika Ann Wales
  • Patent number: 11160220
    Abstract: In an embodiment, yield data representing yields of crops that have been harvested from an agricultural field and field characteristics data representing characteristics of the agricultural field is received and used to determine a plurality of management zone delineation options. Each option, of the plurality of management zone delineation options, comprises zone layout data for an option. The plurality of management zone delineation options is determined by: determining a plurality of count values for a management class count; generating, for each count value, a management delineation option by clustering the yield data from and the field characteristics data, assigning zones to clusters, and including the zones in a management zone delineation option. One or more options from the plurality of management zone delineation options are selected and used to determine one or more planting plans. A graphical representation of the options and the planting plans is displayed for a user.
    Type: Grant
    Filed: August 29, 2019
    Date of Patent: November 2, 2021
    Assignee: THE CLIMATE CORPORATION
    Inventors: Anahita Hassanzadeh, Ye Chen, Alex Wimbush, Marlon Misra, Emily Rowan
  • Patent number: 11164257
    Abstract: An insurance data gathering process contingent upon dynamically captured image and informatics sensor data. The captured image data may be used to facilitate rapid insurance-related decisions. In regards to a decision to be rendered for a property insurance policy, at least one image is retrieved associated with the property. One or more accounts associated with the insured are identified and one or more risks characteristics are identified regarding the insured. An aggregated dataset is provided from the at least one image, one or more accounts and risk characteristics associated with the insured. Predictive analysis is performed on the aggregated dataset to render a risk profile for the insured regarding an insurance policy for the property. A decision is rendered regarding the insured and the insurance policy based at least in-part upon the rendered risk profile.
    Type: Grant
    Filed: March 1, 2018
    Date of Patent: November 2, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Mark Davis, Michael J. Allen, Spencer Read, Kathleen L. Swain
  • Patent number: 11157873
    Abstract: The specification provides a blockchain-based application review system, method, and storage medium. The blockchain-based application review system comprises: a requesting client, a transaction end, and a blockchain node.
    Type: Grant
    Filed: January 25, 2021
    Date of Patent: October 26, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventor: Sui Ma
  • Patent number: 11157856
    Abstract: A system for quickly deploying QM systems in contact centers is provided. A user or administrator can quickly install a QM application on a deployment server. The administrator can provide the QM application access to the contact center data where the QM application can import data from the contact center routing system about one or more customers, agents, queues, teams, and any other information or items typically associated with contact center routing systems. The imported data may also include presence data about the agents, teams, and customers. Based on the imported data, the QM application may execute one or more workflows to automatically determine information such as evaluation frequency and coaching frequency about the agents and teams, or to create or select quality forms to use for the evaluation one or more agents, teams, or contacts.
    Type: Grant
    Filed: October 29, 2019
    Date of Patent: October 26, 2021
    Assignee: Talkdesk, Inc.
    Inventors: Katherine Krucek, Richard Lawrence, Jason Fama
  • Patent number: 11157940
    Abstract: The systems and methods described herein disclose providing compensation for data transmission during a refill event. As described here, a vehicle collects operation data sets during movement in the vehicular environment. Vehicles can then transfer one or more of the operation data sets during the refill of the collecting vehicle. Thus, operator can determine the desirability and value of trading the upload time for compensation. The systems and methods can include detecting a refill event for a collecting vehicle. A data analysis can then be received for one or more operation data sets produced by the collecting vehicle. A data value can then be determined from the data analysis, with the operator determining transfer one or more operation data sets from the collecting vehicle during the refill event. Once received, compensation can be provided to the collecting vehicle for the received operation data sets based on the data value.
    Type: Grant
    Filed: July 27, 2018
    Date of Patent: October 26, 2021
    Assignee: Toyota Research Institute, Inc.
    Inventors: Adrien D. Gaidon, Nikolaos Michalakis
  • Patent number: 11159715
    Abstract: A system for capturing images of damage to an object configured to (i) store an orientation model associated with an object; (ii) receive, from a user, a request to analyze damage to the object; (iii) instruct the user to position a camera at a first position relative to the object; (iv) receive an image of the object from the camera; (v) determine whether the received image is properly framed; (vi) if the received image is not properly framed, instruct the user to adjust the position of the camera; and (vii) if the received image is properly framed, instruct the user to position the camera at a second position relative to the object. As a result, obtaining images of sufficient quality for proper processor analysis may be facilitated.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: October 26, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Holly Lambert, Shane Tomlinson, Daniel J. Green, Bradley A. Sliz, Marigona Bokshi-Drotar, Holly Kay Sanderson, Derek Lawless, He Yang, Jennifer Malia Andrus
  • Patent number: 11158005
    Abstract: Systems and methods are provided for the problem of automatic, algorithm-guided estimation of insurance loss ratio, claims frequency, the probability of excess claims, and other insurance policy performance characteristics for an individual insured or for groups of insured individuals. A time-series-derived Bayesian power spectrum weight is calculated from the frequency of temporal pattern-specific values in terms of intensities at various frequencies of the power spectrum computed from credit utilization ratio (CUR; outstanding balance of debt, as a percentage of credit line available) time-series obtained by the insurer by ‘soft pull’ inquiries submitted periodically to credit-rating agencies, and provides an opportunity to capture and measure the relative magnitude of frequent or unexpected changes in consumer liquidity.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: October 26, 2021
    Assignee: CERNER INNOVATION, INC.
    Inventor: Douglas S. McNair
  • Patent number: 11155269
    Abstract: Apparatuses, systems and methods are provided for determining vehicle driver distractions. More particularly, apparatuses, systems and methods are provided for determining distracted drivers associated with vehicle driving routes based on postures of vehicle occupants.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: October 26, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Aaron Scott Chan, Kenneth J. Sanchez
  • Patent number: 11157973
    Abstract: Described herein is a system and method for predicting the extent and cost of repair resulting from a vehicle accident. The estimates can be based on one or more of in-vehicle sensor measurements during the accident, external observations such as weather and traffic and road conditions and manually or digitally input accident reports. The gathered information is compared to information in a database from historical accidents and the resulting damage and costs for those. The information is classified according to impact force, direction and location along with the specific type of vehicle. Maintaining and refreshing the information and predictive models in the system is also part of the invention.
    Type: Grant
    Filed: October 17, 2014
    Date of Patent: October 26, 2021
    Assignee: Scope Technologies Holdings Limited
    Inventor: Gil Emanuel Fuchs
  • Patent number: 11151679
    Abstract: In some embodiments, apparatuses and methods are provided herein useful to monitoring the quality of packages loaded onto delivery vehicles for delivery to customers. In some embodiments, there is provided a system including: a database receiving and storing package quality reports in which each report corresponds to the transport of packages by a delivery vehicle to a customer; at least one package quality report including: delivery route identification information, and package quality feedback information identifying package quality conditions of packages transported by the delivery vehicle from a group of package quality conditions; and a control circuit configured to: allow a first group of users to access the package quality reports received and stored in the database, and allow a second group of users to each transmit and store a new package quality report in the database but not to access the package quality reports previously received and stored.
    Type: Grant
    Filed: November 22, 2017
    Date of Patent: October 19, 2021
    Assignee: Walmart Apollo, LLC
    Inventors: Andrew B. Millhouse, Steven J. Lewis
  • Patent number: 11152107
    Abstract: A wait time control method, system, and computer program product, includes extracting wait times for treatment at emergency facilities and routing times to the emergency facilities based on an emergency request and assigning a patient to an emergency facility by calculating a minimal treatment time for the patient comprising a minimum combined time of a wait time at the emergency facility and a routing time to the emergency facility from a location of the emergency request.
    Type: Grant
    Filed: September 29, 2016
    Date of Patent: October 19, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Carlos Henrique Cardonha, Jorge Luis Guevara Diaz, Bernardo Nunes Goncalves, Marisa A. Vasconcelos
  • Patent number: 11151553
    Abstract: According to one embodiment, a blockchain service device includes an interface, a memory, and a processor. The interface receives a request to perform a blockchain service. The blockchain service includes generating a local key using a private key stored on a user device. The request includes a transaction restraint. The memory stores software used to generate an input to generate the local key. The processor generates the input in response to the request. The input is used to generate a local key that includes the at least one transaction restraint. The interface communicates the input and receives a first block in response to the communication of the input. The first block is generated using the local key and the transaction restraint. The processor inserts the first block in a blockchain, wherein inserting the first block in the blockchain preauthorizes a transaction that is limited by the transaction restraint.
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: October 19, 2021
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Eric Zavesky, James Pratt, Nigel Bradley, Timothy Innes, Nikhil Marathe
  • Patent number: 11151659
    Abstract: The disclosed systems and methods facilitate identifying beneficiaries of matured insurance policies. In a preferred embodiment, the systems and methods leverage one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, users may also search for and receive information related to in-force policies. In cases where the insured is living, the systems and methods can update address and social security number records, enabling more effective policy administration and customer service going forward. The systems and methods may further distribute the matured policy proceeds to the identified beneficiary.
    Type: Grant
    Filed: July 27, 2020
    Date of Patent: October 19, 2021
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Kathleen Schoos, Debra Cruz, Lawrence Vranka
  • Patent number: 11145001
    Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.
    Type: Grant
    Filed: September 6, 2019
    Date of Patent: October 12, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: David Scott Etheridge, Andrew Patrick Wieduwilt, Jill A. Eberle, Carl R. Streily, Jr., Randall P. Petersen, Amy R. Prestegaard, Larry J. Ingrum, Lori J. Kaufman, Alan R. Hendren, David A. Theile, Douglas K. Sorensen
  • Patent number: 11145421
    Abstract: Method and system for remote medical information exchanging are disclosed. The system for remote medical information exchanging comprises a computer application program and a data storage server. The computer application program is electrically coupled with a data storage server via communication network, comprising an end user end, configured to capture video stream of face of the end user; and a doctor end, configured to show the video stream of the face of end user and one or more physiological inference in accordance with the video stream. The data storage server, configured to store a scalable video server module, one or more artificial intelligence modules, a poly-omics uni-matrix pipeline, and a combined inference module.
    Type: Grant
    Filed: February 26, 2020
    Date of Patent: October 12, 2021
    Assignee: Sharecare AI, Inc.
    Inventors: Walter Adolf De Brouwer, Srivatsa Akshay Sharma
  • Patent number: 11144997
    Abstract: A mobile application for purchasing vehicular insurance without the need for manual data entry via a mobile device keyboard is disclosed. The mobile application is configured to image driver's licenses and vehicle barcodes to collect relevant driver and vehicular information. Other relevant data is either collected from correlated third-party databases or user input via voice recognition or user-friendly graphical user interface screens. Collected information is transmitted to one or more insurers and one or more quotes are displayed for consideration by the applicant. The mobile application may further comprise payment services and insurance agency point of sale services. The mobile application further provides an interactive digital insurance identification card to serve as a platform and dashboard for readily accessing services associated with the insurance policy, particularly when in an accident, when roadside services are required, and when a lower cost updated policy is available to the insured party.
    Type: Grant
    Filed: November 30, 2017
    Date of Patent: October 12, 2021
    Inventor: James Mark Chappell
  • Patent number: 11144904
    Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.
    Type: Grant
    Filed: July 8, 2020
    Date of Patent: October 12, 2021
    Assignee: Synchrony Bank
    Inventors: Michael Storiale, Lisa Hammond, William Kievit, Tiffanie Terry, Carter Hudson
  • Patent number: 11138672
    Abstract: The present disclosure relates generally to a system that includes a storage component that stores data and a processor. The processor may install an application using a portion of the storage component, partition the portion of the storage component from a remaining portion of the storage component, and execute the application via the portion of the storage component.
    Type: Grant
    Filed: January 14, 2019
    Date of Patent: October 5, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Allen, Kathleen L. Swain, Cleburne R. Burgess, Ramsey Devereaux, Spencer Read, David S. Franck, Teddy J. Voutour, Shanna Limas, William Chandler, Michael P. Burns, Daniela Wheeler
  • Patent number: 11138682
    Abstract: A technique for accessing multiple rate data from several sources and applying the rate data to pre-populated data of a survey is described. The techniques include backend processes and architectures that allow for the retrieval, modeling, and population of certain data fields during the customer evaluation process as during the process of requesting a quote for products or services. The process includes accessing static property information of a property from a first plurality of sources, computing a rate for the property based on the static property information, accessing dynamic property information of the property from a second plurality of sources, adjusting the rate for the property based on the dynamic property information, and generating a rate graphical user interface that indicates the adjusted rate for the property.
    Type: Grant
    Filed: March 7, 2019
    Date of Patent: October 5, 2021
    Assignee: Hippo Analytics Inc.
    Inventors: Arie Yelovitch, Eyal Navon, Ran Israel Halprin Limor
  • Patent number: 11138562
    Abstract: Methods, apparatus, and processor-readable storage media for automatic processing of claims using artificial intelligence are provided herein. An example computer-implemented method includes obtaining at least one image related to at least one device damage claim, automatically classifying the at least one device damage claim by applying one or more artificial intelligence techniques to the at least one obtained image, and performing one or more automated actions based at least in part on the classification of the at least one device damage claim.
    Type: Grant
    Filed: January 17, 2020
    Date of Patent: October 5, 2021
    Assignee: Dell Products L.P.
    Inventors: Devipriya Selvaraju, Bijan Kumar Mohanty, Dhamodharan Duraisamy, Brajesh Chandra Yadav
  • Patent number: 11138488
    Abstract: Aspects of the invention relate to components for constructing a payment instrument that includes enhanced electronic features. Apparatus may include an all-inclusive smart card that securely stores sensitive data. Such sensitive data may include credit card, driver's license or passport information. The smart card may generate disposable card numbers for online or offline onetime transactions.
    Type: Grant
    Filed: June 26, 2019
    Date of Patent: October 5, 2021
    Assignee: Bank of America Corporation
    Inventors: William August Stahlhut, Kamesh R. Gottumukkala, Siten Sanghvi
  • Patent number: 11138814
    Abstract: Systems and methods relate to, inter alia, receiving a set of sensor data from a set of sensors communicatively coupled to the electronic mobile device. The systems and methods may further include determining automatically from the set of sensor data that the collision event occurred during the operation of the automotive device. The systems and methods may further include initiating, in response to determining that the collision event occurred, a reverse communication session between the electronic mobile device and a collision management server. The electronic mobile device, via the initiated reverse communication session, may be configured to receive a first offer from a first service provider and a second offer from a second service provider. The first offer and the second offer are for servicing the automotive device by the first service provider and the second service provider, respectively.
    Type: Grant
    Filed: April 10, 2019
    Date of Patent: October 5, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kenneth J. Sanchez, Eric Dahl, Steven J. Harris
  • Patent number: 11138267
    Abstract: A search request may define a minimum value and a maximum value for a numerical parameter of the search. A plurality of binary searches may identify a minimum entry and a maximum entry, each binary search comprising selecting a single entry and using at least one analytical model to generate a score for the single entry, wherein the score of the minimum entry corresponds with the minimum value and the score of the maximum entry corresponds with the maximum value. The at least one analytical model may be used to generate a score for each of a set of entries between the minimum entry and the maximum entry while ignoring entries outside of the set of entries between the minimum entry and the maximum entry. Entries responsive to the request may be identified within the scored set of entries.
    Type: Grant
    Filed: April 8, 2019
    Date of Patent: October 5, 2021
    Assignee: Capital One Services, LLC
    Inventor: Fredrick Allen Crable
  • Patent number: 11138669
    Abstract: A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.
    Type: Grant
    Filed: July 9, 2014
    Date of Patent: October 5, 2021
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventors: Alexander Doyle, Ryan Dunn, Cristina I. Gheorghe, Eric Huls, Michael A. LaVigne, David MacInnis, Christopher Joseph DeCleene
  • Patent number: 11138670
    Abstract: An insurance verification system and methods for verifying insurance information are provided. The insurance verification system includes an insurance verification (IV) device. The IV computing device includes including a processor and a memory in communication with the processor. The processor is programmed to receive vehicle user information from a client device, generate an insurance information request including at least a portion of the vehicle user information, transmit the insurance information request to at least one insurance provider computing device, and receive a response from the insurance provider computing device. The response indicates whether or not an insurance profile associated with the vehicle user information is stored at the insurance provider computing device.
    Type: Grant
    Filed: January 14, 2016
    Date of Patent: October 5, 2021
    Assignee: MNJ TECH LLC
    Inventors: Michael E. Slater, Sr., Carl J. Andrews, Narendra Dukkipati
  • Patent number: 11138602
    Abstract: Disclosed herein are methods, systems, and apparatus for processing blockchain-based guarantee information. One of the methods includes receiving a first cyphertext of a first digital document specifying a guarantee from a first computing device associated with at least a first guarantor and one or more zero-knowledge proofs (ZKPs) related to one or more values associated with the guarantee, and the first digital document specifies one or more predetermined conditions of executing the guarantee; verifying that the one or more ZKPs are correct; storing the first cyphertext to a blockchain based on performing a consensus algorithm; receiving a first message from a second computing device associated with a beneficiary or a representative of the beneficiary.
    Type: Grant
    Filed: December 30, 2020
    Date of Patent: October 5, 2021
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventors: Xuming Lu, Hui Zhou, Guojun Ye
  • Patent number: 11138561
    Abstract: A computer system for selection of data records for forwarding includes one or more data storage devices storing data records including structured and unstructured data, and an analysis hardware server configured to, in cycles, determine sets of data records for predictive model review, extract words and phrases from the unstructured data, apply the predictive model to determine current-cycle scores for the data records of the set, assign the data records to groups in accordance with the current-cycle score, determine a velocity of change in group, and select data records for forwarding to an operation system based at least in part on the determined velocity of change in group.
    Type: Grant
    Filed: October 11, 2019
    Date of Patent: October 5, 2021
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Bixia Li, Arthur Paul Drennan, III, Brian J. Gooley
  • Patent number: 11138668
    Abstract: A data processing implemented sales and activation system is used to distribute insurance products and services. A two stage operation is facilitated by the selectively arranged retail packaging used in conjunction with an on-line activation process to permit enhanced marketing of insurance and other insured products and services.
    Type: Grant
    Filed: September 10, 2012
    Date of Patent: October 5, 2021
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Manish Bhatt, Raymond Burton, Leslie Hyman
  • Patent number: 11132628
    Abstract: A system and a method for identifying, ranking, and matching agents are disclosed herein. The system may include an analytical engine which may collect information from external and internal databases. The analytical engine may use the information collected from these databases, in addition to a success criteria, for determining one or more success factors or key attributes of successful agents. An algorithm within the analytical engine may compute probabilities, trends and variability analysis for determining the impact of the defined key attributes in the successful career developments for prospective or active agents. The analytical engine may identify prospective agents and match them to suitable general agents. A list of agents' leads, ranking reports, and ongoing assessments may be communicated or supplied to general agents through the use of agent computing devices operatively coupled with the analytical engine.
    Type: Grant
    Filed: June 14, 2018
    Date of Patent: September 28, 2021
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Gareth Ross, Tricia Walker
  • Patent number: 11132725
    Abstract: Verified electronic products are created and distributed by an electronic platform, which includes a client interface, a creator interface, a decider interface, and a backer interface. An unverified product associated with a creator entity is received through the creator interface, where the unverified product comprises an electronic product having a set of clauses. A decider entity and backer entity are associated with the unverified product, which is converted to a verified product. The verified product is then added to a search engine associated with other previously verified products to define a collection of searchable verified products. Client information is obtained through the client interface and is used to identify a verified product from the collection of searchable verified products via the search engine. Based on the identified verified product, and instrument is built and is communicated to the client entity via the client interface for acceptance by the client entity.
    Type: Grant
    Filed: June 22, 2018
    Date of Patent: September 28, 2021
    Assignee: NATIONWIDE MUTUAL INSURANCE COMPANY
    Inventors: Cliff Currie, Daniel Haber, David Shackleton
  • Patent number: 11131419
    Abstract: A system for operation and integrity management of a pipeline stores field data obtained from an operational system, and in-line data obtained from an in-line inspection vehicle and external data from a video camera on an external companion device. The system performs data processing on the in-line data and field data to generate input for risk modeling and performs risk modeling of the pipeline using the input to predict a risk of one of a plurality of failure mode states at a portion of the pipeline. The system may initiate risk monitoring for the portion of the pipeline by the operational system and the in-line inspection vehicle.
    Type: Grant
    Filed: February 21, 2020
    Date of Patent: September 28, 2021
    Inventor: Shuyong Paul Du
  • Patent number: 11127081
    Abstract: A computer-assisted method for determining, such as by a computing device, a success rate for a presentation page included in a plurality of insurance presentations is described herein. Based on the success rate for the presentation page, a display of a recommendation for an insurance agent to include the presentation page in an insurance presentation for a customer may be generated. The insurance agent may select an option to include the presentation in the insurance presentation, and the selection may be received at a computing device. The insurance presentation may then be generated to include the presentation page.
    Type: Grant
    Filed: July 22, 2014
    Date of Patent: September 21, 2021
    Assignee: Allstate Insurance Company
    Inventors: Wayne J. Kullman, Jennifer A. Brandmaier, Alinawaz Ismaili, William Loo, Philip Peter Ramirez, Grace Song, Alfasha Zulkifli
  • Patent number: 11127082
    Abstract: Systems and methods provide for an automated system for determining whether claims related to an insured item should proceed to an arbitrating body. A virtual assistant (also referred to herein as an “arbitration assessment assistant”) installed in a computing device (e.g., computer, laptop, tablet computer, mobile phone, etc.) may be responsible for managing and assisting an insurance representative (e.g., an insurance adjuster, subrogation representative, etc.) in determining liability and fault relating to a claim, conducting a subrogation process, and ultimately determining whether the claim should be submitted for arbitration. In one or more aspects discussed, herein the process may be fully automated.
    Type: Grant
    Filed: September 13, 2016
    Date of Patent: September 21, 2021
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventors: Caleb Gore, Don Jungwirth, John Kelsh
  • Patent number: 11128986
    Abstract: Systems and methods are described for tracking information of an equipment including a telematics device configured to receive data from the equipment to determine a telematics information. The telematics information includes at least two of an equipment type, a location, a duration in the location, and miles travelled. A transmission device is configured to transmit the vehicle telematics information to at least one of a third party entity device, a government device and a mobile device.
    Type: Grant
    Filed: February 19, 2020
    Date of Patent: September 21, 2021
    Assignee: VALVOLINE LICENSING AND INTELLECTUAL PROPERTY LLC
    Inventors: Adam E. Sworski, Frances E. Lockwood, Roger D. England, Timothy L. Caudill, Jeffrey S. Baker, Jeffrey R. Torkelson
  • Patent number: 11127087
    Abstract: Methods, systems, apparatus, and non-transitory media are described for submitting an insurance claim. The described techniques include receiving one or more forms (and/or remote electronic access to such) from an external computing device to facilitate filing of an insurance claim associated with a vehicular accident. The forms may include one or more data fields corresponding to data used to process an insurance claim. To fill in the insurance form data, the mobile computing device may capture of one or more images associated with the vehicular accident. One or more object recognition and/or optical character recognition (OCR) processes may be applied to the one or more images to extract image data, which may be used to populate one or more insurance claim form fields. Once completed, the insurance claim form may be sent to an insurer from the mobile computing device to facilitate submission of the insurance claim.
    Type: Grant
    Filed: August 4, 2020
    Date of Patent: September 21, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Siddharth Hamirsinh Zankat, Kyle Joseph Bluth, Erica Roehm, Derek J. Lawless, Matthew V. Ress
  • Patent number: 11127085
    Abstract: A method and technique includes initiating, by a mobile electronic device, a location module of the mobile electronic device. The location module interfaces with a plurality of cellular towers and, based on the cellular tower interfacing, determines latitude and longitude coordinates of a location of the mobile electronic device. The location module converts the latitude and longitude coordinates to an address and interfaces over a network with a server. The location module receives from the server a property designation based on the address and determines a category corresponding to the property designation. A data matrix is created from a plurality of server responses to a data request uploaded by the mobile electronic device based on the category and the data matrix is displayed on the mobile electronic device.
    Type: Grant
    Filed: January 11, 2019
    Date of Patent: September 21, 2021
    Assignee: Webcetera, L.P.
    Inventors: Jaideep Jayaram, Nagaraj V. Rao