公开(公告)号：US20250117861A1

公开(公告)日：2025-04-10

申请号：US18981972

申请日：2024-12-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Ronny S. Bryant ,  Stacie A. McCullough ,  Mitchell J. Hill ,  Jacob J. Alt ,  Jaime Skaggs ,  Shawn M. Call ,  Eric Bellas ,  Vicki King ,  Melinda Teresa Magerkurth

IPC: G06Q40/08 ,  B60W50/00 ,  G06F16/182 ,  G06F16/27 ,  G06F16/903 ,  G06Q10/10 ,  G06Q20/38 ,  G06Q30/0283 ,  G06Q30/0601 ,  G06Q50/163 ,  G07C5/00 ,  G07C5/08 ,  G16H10/60 ,  H04L9/00 ,  H04L9/06 ,  H04L9/32 ,  H04L12/28 ,  H04L67/1061 ,  H04L67/12 ,  H04W4/40

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for tracking changes for a user. Example methods may include implementing one or more servers, each of the one or more servers maintaining a copy of a distributed ledger; detecting a change in a policy or claim status for a user; responding to the detection of the change, including: (i) generating, via a server of the one or more servers, a transaction record for the distributed ledger including data corresponding to the change; (ii) generating a hash value representative of at least the transaction record using at least a generated nonce value; and (iii) storing the transaction record and the hash value to each copy of the distributed ledger at the one or more servers; and performing a function based upon the transaction record stored to the distributed ledger.

公开(公告)号：US12249251B2

公开(公告)日：2025-03-11

申请号：US18508662

申请日：2023-11-14

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Rebecca A. Little ,  Bryan R. Nussbaum ,  Deanna L. Stockweather ,  Nathan C. Summers ,  Vicki King ,  Teresa Ho

IPC: G06F17/00 ,  G06Q40/08 ,  G06T15/00 ,  G06T19/00 ,  G09B5/12

Abstract: A virtual environment may be provided, the virtual environment including a procedurally generated virtual landscape. The virtual landscape may include various components, such as natural terrain elements, infrastructural elements, and residential/commercial properties, that are automatically generated based upon procedural rules so as to provide uniqueness of any one virtual landscape. A user may enter the virtual environment and, via various virtual tools, identify aspects of the generated virtual landscape that affect risk to one or more of the properties therein.

公开(公告)号：US12248993B2

公开(公告)日：2025-03-11

申请号：US18234464

申请日：2023-08-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Joseph Robert Brannan ,  Vicki King ,  Brian Mark Fields ,  Nathan L. Tofte

IPC: H04L51/02 ,  G06F40/30 ,  G06N3/006 ,  G06Q40/08 ,  G06Q50/00 ,  H04L41/16 ,  G06Q30/016

Abstract: The following relates generally to artificial intelligence (AI)-based responses to social media posts. In some embodiments, one or more processors may be configured to: (1) receive, via a chatbot, a social media post; (2) categorize, via the chatbot, the social media post; (3) determine, via the chatbot, based upon the categorization, an entity to contact; (4) build, via the chatbot, based upon the determined entity to contact, a response to the social media post; and/or (5) send, via the chatbot, the response to the entity.

公开(公告)号：US20250054066A1

公开(公告)日：2025-02-13

申请号：US17212674

申请日：2021-03-25

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Jaime Skaggs ,  Shawn M. Call ,  Eric Bellas ,  Douglas A. Graff ,  William J. Leise ,  Vicki King ,  Jacob J. Alt ,  Eric R. Moore ,  Stacie A. McCullough

IPC: G06Q40/08

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant. Evidence regarding the value of the subrogation claim is sent to the shared ledger by entities involved in the claim such as sending to a smart contract deployed on the shared ledger. The parties to the subrogation claim may supplement evidence and settlement proposals on the blockchain by broadcasting a transaction or sending data to the smart contract. Once the claim is resolved, the parties may settle the subrogation payment off-chain or may transact a token having value on the chain. A subrogation smart contract may be programmed to release funds under certain conditions including holding a bond by a claimant and/or upon final resolution of the subrogation claim.

公开(公告)号：US12202507B2

公开(公告)日：2025-01-21

申请号：US17962070

申请日：2022-10-07

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Brian M. Fields ,  Nathan L. Tofte ,  Aaron C. Williams ,  Joseph P. Harr ,  Vicki King

IPC: G06T19/00 ,  B60K35/00 ,  B60W40/02 ,  B60W40/04 ,  B60W40/08 ,  B60W50/14 ,  G01S1/04 ,  G02B27/01 ,  G06V20/59 ,  B60K35/28 ,  B60K35/29 ,  B60K35/65 ,  B60Q9/00 ,  G01C21/34 ,  G06F40/279 ,  G06Q50/12

Abstract: The following generally relates to using Augmented Reality (AR) to enhance the in-vehicle experience. In some examples, AR techniques are applied to provide AR indications of vehicle safety indicia to alert vehicle occupants to information that may not otherwise be perceptible. In other example, AR techniques are applied to provide emergency vehicle warnings to improve the likelihood of safe responses thereto. In yet other examples, AR techniques are applied to generated personalized outdoor displays, for example, to ameliorate conditions that may impair safe operation of a vehicle.

公开(公告)号：US20250005679A1

公开(公告)日：2025-01-02

申请号：US18882071

申请日：2024-09-11

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Shawn M. Call ,  Jaime Skaggs ,  Eric Bellas ,  Douglas A. Graff ,  William J. Leise ,  Vicki King ,  Jacob J. Alt ,  Eric R. Moore ,  Stacie A. McCullough

IPC: G06Q40/08 ,  G06Q20/06 ,  H04L9/00

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim, such as sending data to a smart contract deployed on the shared ledger. The parties to the claim may request arbitration, especially after attempts to settle the claim on-chain between the two parties have failed. An arbitrator may request evidence from the parties and/or request responses from the parties to accept damages calculations and/or settlement offers. Once the claim is resolved, the arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.

公开(公告)号：US20240395138A1

公开(公告)日：2024-11-28

申请号：US18382180

申请日：2023-10-20

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Joseph Robert Brannan ,  Vicki King ,  Brian Mark Fields ,  Nathan L. Tofte

IPC: G08G1/0967 ,  G06F40/40 ,  G06Q40/08

Abstract: Methods and systems for alerting a user of accident-prone locations are disclosed herein. In some embodiments, the method comprises: (1) receiving, by one or more processors and from a user device associated with the user, location data and motion data of the user device; (2) determining, by the one or more processors, based upon the motion data, that the user has started a trip; (3) loading, by the one or more processors, an accident density map surrounding a location of the user device based upon the location data; (4) determining, by the one or more processors, based upon the accident density map, at least one accident-prone location within a scope of the accident density map, wherein the at least one accident-prone location meets at least one predetermined criterion; and/or (5) presenting, by the one or more processors via the user device, an indication of the at least one accident-prone location.

公开(公告)号：US20240330928A1

公开(公告)日：2024-10-03

申请号：US18739706

申请日：2024-06-11

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Jacob J. Alt ,  Eric Bellas ,  Jaime Skaggs ,  Shawn M. Call ,  Melinda Teresa Magerkurth ,  Vicki King ,  Charles H. Roscow ,  Scott Shoop ,  Greg Hayes ,  Robert Alpine Jennings ,  Amber Nelson-Wolfe ,  Shyam Tummala

IPC: G06Q20/40 ,  G06F21/10 ,  G06F21/62 ,  G06F21/64 ,  G06Q20/38 ,  G06Q40/08 ,  H04L9/00 ,  H04L9/32

CPC classification number: G06Q20/401 ,  G06F21/105 ,  G06F21/645 ,  G06Q20/3827 ,  G06Q20/3829 ,  G06Q20/4014 ,  G06Q40/08 ,  H04L9/3236 ,  H04L9/3239 ,  H04L9/3247 ,  G06F21/6245 ,  G06Q2220/00 ,  G06Q2220/18 ,  H04L9/50 ,  H04L2209/56

Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract.

公开(公告)号：US12106380B2

公开(公告)日：2024-10-01

申请号：US18206899

申请日：2023-06-07

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Shawn M. Call ,  Jaime Skaggs ,  Eric Bellas ,  Douglas A. Graff ,  William J. Leise ,  Vicki King ,  Jacob J. Alt ,  Eric R. Moore ,  Stacie A. McCullough

IPC: G06Q40/08 ,  G06Q20/06 ,  H04L9/00

CPC classification number: G06Q40/08 ,  G06Q20/0655 ,  G06Q2220/00 ,  H04L9/50

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim, such as sending data to a smart contract deployed on the shared ledger. The parties to the claim may request arbitration, especially after attempts to settle the claim on-chain between the two parties have failed. An arbitrator may request evidence from the parties and/or request responses from the parties to accept damages calculations and/or settlement offers. Once the claim is resolved, the arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.

公开(公告)号：US20240291785A1

公开(公告)日：2024-08-29

申请号：US18443614

申请日：2024-02-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Brian Mark Fields ,  Nathan L. Tofte ,  Joseph Robert Brannan ,  Vicki King ,  Justin Davis

IPC: H04L51/21 ,  G06F40/40

CPC classification number: H04L51/21 ,  G06F40/40

Abstract: The following relates generally to using artificial intelligence (AI) and/or machine learning (ML) to identify patentable ideas from company emails. In some embodiments, one or more processors: access one or more email messages; identify, via a machine learning (ML) chatbot trained to analyze text and generate text, one or more patentable concepts in the one or more email messages; compare the one or more patentable concepts to a patent database including published patent applications with respective publication dates on or before the date of database access, wherein comparing includes generating a comparison document indicating at least one difference and/or at least one similarity between the one or more patentable concepts and the patent applications of the patent database, wherein the comparing includes using the ML chatbot; and generate, based upon the comparison, one or more novelty scores for each of the one or more patentable concepts.