公开(公告)号：US20240020624A1

公开(公告)日：2024-01-18

申请号：US17900684

申请日：2022-08-31

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Aaron Williams ,  Joseph Robert Brannan ,  John Donovan ,  Brian N. Harvey

IPC: G06Q10/08 ,  H04L9/32 ,  H04L9/00

CPC classification number: G06Q10/0833 ,  H04L9/3213 ,  H04L9/50

Abstract: The present systems and method relate generally to using non-fungible tokens (NFTs) to track shipping items. In some embodiments, identification information of a shipping item is obtained. An NFT may then be minted representing ownership of the shipping item. An indication that a receiving party has received the shipping item may then trigger transfer of the NFT to the receiving party to indicate that the receiving party possesses the shipping item.

公开(公告)号：US20240005788A1

公开(公告)日：2024-01-04

申请号：US18238219

申请日：2023-08-25

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Aaron Williams ,  Joseph Robert Brannan ,  John R. Donovan ,  Brian N. Harvey

IPC: G08G1/0967 ,  G08G1/0969

CPC classification number: G08G1/0967 ,  G08G1/0969

Abstract: The following relates generally to providing virtual reality (VR) alerts to a driver of an autonomous vehicle. For example, a vehicle may be driving autonomously while the driver is watching a VR movie (e.g., on a pair of VR goggles); the driver may then receive a VR alert recommending that the driver take control of the vehicle (e.g., switch the vehicle from autonomous to manual mode). The following also relates to generating a VR feed for presenting real-time road conditions so that a user may preview a road segment. The following also relates to generating a VR feed corresponding to an event (e.g., a vehicle collision, a crime, a weather event, and/or a natural disaster).

公开(公告)号：US11860852B1

公开(公告)日：2024-01-02

申请号：US16543146

申请日：2019-08-16

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Brian N. Harvey

IPC: G06F16/00 ,  G06F16/23 ,  G10L15/22 ,  G06F16/2455 ,  G10L15/26

CPC classification number: G06F16/2365 ,  G06F16/24568 ,  G10L15/22 ,  G10L15/26

Abstract: The present embodiments may relate to secondary systems that verify potential fraud or the absence thereof. Artificial intelligence and/or chatbots may be employed to verify veracity of statements used in connection with insurance or loan applications, and/or insurance claims. For instance, a veracity analyzer (VA) computing device includes a processor in communication with a memory device, and may be configured to: (1) generate at least one model by analyzing a plurality of historical statements to identify a plurality of reference indicators correlating to inaccuracy of a historical statement; (2) receive a data stream corresponding to a current statement; (3) parse the data stream using the at least one model to identify at least one candidate indicator included in the current statement matching at least one of the plurality of reference indicators; and/or (4) flag, in response to identifying the at least one candidate indicator, the current statement as potentially false.

公开(公告)号：US11841234B1

公开(公告)日：2023-12-12

申请号：US16780451

申请日：2020-02-03

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Joseph Robert Brannan ,  Brian N. Harvey

IPC: G01C21/34 ,  G06N5/04 ,  G01C21/36 ,  G06N20/00

CPC classification number: G01C21/3484 ,  G01C21/3446 ,  G01C21/3492 ,  G01C21/3688 ,  G06N5/04 ,  G06N20/00

Abstract: A user analytics computing device for processing vehicle-based telematics data and generating user offerings responsive to the vehicle-based telematics data includes at least one processor in communication with a memory device. The processor is programmed to: (i) receive, from a vehicle computing device, telematics data associated with a plurality of trips taken by a first driver using a first vehicle, (ii) generate a driver profile of the first driver based at least in part upon the telematics data, (iii) access, from the memory device, contextual data associated with an environment in which the first vehicle travelled during the plurality of trips, (iv) synthesize the driver profile and the contextual data to generate a contextualized driver profile, (v) based upon the contextualized driver profile, generate a user offering to influence the driver profile, and (vi) transmit the user offering to a user computing device associated with the first driver.

公开(公告)号：US20230316418A1

公开(公告)日：2023-10-05

申请号：US18331760

申请日：2023-06-08

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Joseph Robert Brannan ,  Brian N. Harvey

IPC: G06Q40/08 ,  G10L15/18 ,  G06Q30/0282 ,  G07C5/00 ,  G06Q40/02 ,  G06Q30/0201 ,  G07C5/08

CPC classification number: G06Q40/08 ,  G10L15/1822 ,  G06Q30/0282 ,  G07C5/008 ,  G06Q40/02 ,  G06Q30/0206 ,  G07C5/085 ,  G07C5/0808

Abstract: A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.

公开(公告)号：US11710191B2

公开(公告)日：2023-07-25

申请号：US17723900

申请日：2022-04-19

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Nathan L. Tofte ,  Timothy W. Ryan ,  Nathan W. Baumann ,  Joshua David Lillie ,  Brian N. Harvey ,  Roxane Lyons ,  Rosemarie Geier Grant ,  Michael Shawn Jacob

IPC: G06Q40/00 ,  G06Q40/08 ,  G06T7/73 ,  G06T7/20 ,  H04N5/44 ,  H04N7/18 ,  G06T7/246 ,  G06T7/00 ,  G06V20/10 ,  G06V20/40 ,  G06F18/22 ,  G06V10/42 ,  G01C11/02 ,  G06T11/60 ,  G06T17/05 ,  B64C39/02 ,  B64D47/08 ,  B64U10/00 ,  B64U101/00 ,  B64U101/30

CPC classification number: G06Q40/08 ,  B64C39/024 ,  B64D47/08 ,  G01C11/02 ,  G06F18/22 ,  G06Q40/00 ,  G06T7/00 ,  G06T7/20 ,  G06T7/246 ,  G06T7/75 ,  G06T11/60 ,  G06T17/05 ,  G06V10/42 ,  G06V20/10 ,  G06V20/41 ,  H04N5/44 ,  H04N7/185 ,  B64U10/00 ,  B64U2101/00 ,  B64U2101/30 ,  G06T2207/10032 ,  G06T2207/30232 ,  G06T2207/30236 ,  G06T2207/30252 ,  G06T2215/16 ,  G06V20/44

Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding a property, and collect data related to property. A location for an inspection of a property to be conducted by a UAV may be received, and one or more images depicting a view of the location may be displayed via a user interface. Additionally, a geofence boundary may be determined based on an area corresponding to a property boundary, where the geofence boundary represents a geospatial boundary in which to limit flight of the UAV. Furthermore, a navigation route may be determined which corresponds to the geofence boundary for inspection of the property by the UAV, the navigation route having waypoints, each waypoint indicating a location for the UAV to obtain drone data. The UAV may be directed around the property using the determined navigation route.

公开(公告)号：US20230169800A1

公开(公告)日：2023-06-01

申请号：US18160120

申请日：2023-01-26

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Brian N. Harvey ,  Nathan L. Tofte

IPC: G07C5/00 ,  G06Q40/08 ,  G07C5/08 ,  G06Q10/20 ,  B60R16/023

CPC classification number: G07C5/008 ,  G06Q40/08 ,  G07C5/0841 ,  G06Q10/20 ,  B60R16/0234

Abstract: A computer-based method for maintaining an autonomous or self-driving vehicle is provided. The method is implemented using a vehicle controlling (“VC”) computer device installed on the vehicle. The method may include determining that a maintenance operation is required for the self-driving vehicle, retrieving an operator schedule for an operator of the self-driving vehicle, retrieving a facility schedule for a facility, determining a time for performing the maintenance operation based upon the operator schedule, the facility schedule, and an amount of time required to (i) complete the maintenance operation, (ii) drive the self-driving vehicle from a first location to the facility to arrive at the determined time, and (iii) drive the self-driving vehicle to a second location, instructing the self-driving vehicle to drive from the first location to the facility to arrive at the determined time; and/or instructing the self-driving vehicle to drive from the facility a second location.

公开(公告)号：US20220274605A1

公开(公告)日：2022-09-01

申请号：US17745036

申请日：2022-05-16

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Brian N. Harvey ,  Matthew Eric Riley, SR. ,  Joseph Robert Brannan ,  J. Lynn Wilson ,  Ryan Gross

IPC: B60W40/09 ,  G06Q50/30 ,  G06Q30/06 ,  G07C5/00

Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is also received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. One or more characteristics of the rented vehicle are also determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the one or more characteristics of the rented vehicle.

公开(公告)号：US11354892B1

公开(公告)日：2022-06-07

申请号：US16989329

申请日：2020-08-10

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Brian N. Harvey

IPC: G06T7/00 ,  G06V20/10 ,  G06N3/04 ,  G06N3/08 ,  G06T7/62 ,  G06V10/75

Abstract: A computer system for verifying hail damage and/or detecting hail fraud includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving at least one image of at least a portion of a rooftop; (ii) analyzing the at least one image to identify a plurality of damaged locations; (iii) analyzing damaged locations to determine a shape and a size of each of the damaged locations; and (vi) determining, based upon the analyzing, whether the damaged locations are a result of hail damage by comparing the shape and the size of at least one damaged location to the shape and the size of at least one other damaged location.

公开(公告)号：US11325608B1

公开(公告)日：2022-05-10

申请号：US16880264

申请日：2020-05-21

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Brian N. Harvey ,  Joseph Robert Brannan ,  Ryan Gross ,  J. Lynn Wilson ,  Matthew Eric Riley, Sr.

IPC: G06Q30/02 ,  B60W40/09 ,  G06Q30/06 ,  G07C5/00 ,  G06Q50/30

Abstract: Embodiments described herein receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by an owner of the vehicle during the period of time; analyze the telematics data to identify driving behavior(s) of the owner during the period of time; predict one or more user preference values of a vehicle-sharing platform profile of the owner based on the identified one or more driving behaviors, wherein the one or more user preference values define one or more criteria for vehicle renters with whom the first vehicle can be shared; apply the one or more criteria to a potential vehicle renter; and cause an indication of the first vehicle of the owner to be displayed via a mobile device of the potential renter only if the potential vehicle renter satisfies the one or more criteria.