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公开(公告)号：US20220036466A1
公开(公告)日：2022-02-03
申请号：US16677340
申请日：2019-11-07
Inventor： Brian N. Harvey , Ryan Michael Gross , Matthew Eric Riley, SR. , J. Lynn Wilson , Joseph Robert Brannan
Abstract: An analytics computing device is disclosed that includes a processor in communication with at least one memory device. The processor is configured to receive dynamic data corresponding to activity of a user, and including telematics data generated by a user device associated with the user. The processor is also configured to generate a plurality of analytics values based upon the dynamic data by applying at least one artificial intelligence (AI) model to the dynamic data, and generate an analytics vector for the user. The analytics vector includes the plurality of analytics values. The processor is further configured to use the analytics vector and at least one rule set of a plurality of rule sets to calculate at least one price for a usage-based insurance (UBI) policy of the user.
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公开(公告)号：US11176562B1
公开(公告)日：2021-11-16
申请号：US16266986
申请日：2019-02-04
Inventor： Brian N. Harvey , Joseph Robert Brannan , J. Lynn Wilson , Matthew Eric Riley, Sr. , Ryan Gross
Abstract: Embodiments described herein generate a first set of prompts, the first set of prompts configured to prompt a vehicle owner for a first set of answers used to learn preferred vehicle renter characteristics; receive the first set of answers; generate, based upon the first set of answers, a second set of prompts, the second set of prompts configured to prompt the owner for a second set of answers used to learn additional preferred vehicle renter characteristics; receive the second set of answers; predict user preference value(s) of a profile of the owner based upon the second set of answers, wherein the user preference value(s) define criteria for sharing a vehicle associated with the profile with vehicle renters who satisfy the criteria; apply the criteria to potential vehicle renters; and cause an indication of the vehicle to be displayed only to the potential vehicle renters who satisfy the criteria.
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公开(公告)号：US11030701B1
公开(公告)日：2021-06-08
申请号：US16454822
申请日：2019-06-27
Inventor： Joseph Robert Brannan , Brian N. Harvey , Ryan Michael Gross , J. Lynn Wilson , Matthew Eric Riley, Sr.
IPC: G06Q40/08 , G06Q30/06 , G06Q50/00 , G06F16/9535
Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may be also configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.
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134.发明授权公开(公告)号：US10776624B1
公开(公告)日：2020-09-15
申请号：US15915747
申请日：2018-03-08
Inventor： Brian N. Harvey
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.
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公开(公告)号：US10573096B1
公开(公告)日：2020-02-25
申请号：US16016826
申请日：2018-06-25
Inventor： Brian N. Harvey , Nathan L. Tofte
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.
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Patent Agency Ranking
公开(公告)号：US10535103B1
公开(公告)日：2020-01-14
申请号：US14858699
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08
Abstract: The present embodiments relate to detecting fraudulent insurance claims. According to certain aspects, a central monitoring server may receive and examine data detected by at least one unmanned vehicle and generate an estimated insurance claim for a loss event. The central monitoring server may then receive an actual insurance claim relating to the loss event, and may compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim. If buildup is detected, the central monitoring server may then process the actual insurance claim accordingly based upon the potential buildup. As a result, claim monies may be paid to insureds that more accurately reflect actual losses resulting from the loss event, and insurance cost savings may be ultimately passed onto typical insurance customers.
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137.发明授权公开(公告)号：US10410289B1
公开(公告)日：2019-09-10
申请号：US14858075
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding an insured or potentially insured asset, such as with the insurance customer's permission, and collect data related to the insured or potentially insured asset, such as size, height, roof shape, materials (siding, roofing), etc. which may form a basis of the underwriting detail used to evaluate a property. The drone data may reveal site characteristics, such as slope or grade of a parcel; the proximity to other structures (and their uses); trees; rivers; coastlines; and earthquake faults. The drone data may be used by an insurance provider remote server to assess the risk associated with an insured asset, generate or modify an insurance premium or discount, etc. The drone data may also be used to mitigate risk and prevent loss by alerting policyholders of the risk such that corrective action may be taken.
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公开(公告)号：US10102589B1
公开(公告)日：2018-10-16
申请号：US14858076
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and/or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.
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公开(公告)号：US09995671B1
公开(公告)日：2018-06-12
申请号：US15498275
申请日：2017-04-26
Inventor： Patrick H. Boyer , Nathan L. Tofte , Jackie O. Jordan, II , Brian N. Harvey
CPC classification number: G01N19/08 , E04B7/00 , E04D13/00 , E04D13/006 , G01B3/22 , G01B5/207 , G01L9/02 , G01M5/0033 , G01M5/0083 , G01N27/00 , G05B2219/40575 , G05B2219/40576 , G05B2219/40625
Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D contact scanner includes a tactile sensor system having at least one tactile sensor for generating 3D data points based on tactile feedback resulting from physical contact with at least part of the structure. A 3D model is constructed from the 3D data and is then analyzed to determine the condition of the structure.
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公开(公告)号：US09683925B1
公开(公告)日：2017-06-20
申请号：US15238249
申请日：2016-08-16
Inventor： Patrick H. Boyer , Nathan L. Tofte , Jackie O. Jordan, II , Brian N. Harvey
CPC classification number: G01N19/08 , E04B7/00 , E04D13/00 , E04D13/006 , G01B3/22 , G01B5/207 , G01L9/02 , G01M5/0033 , G01M5/0083 , G01N27/00 , G05B2219/40575 , G05B2219/40576 , G05B2219/40625
Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D contact scanner includes a tactile sensor system having at least one tactile sensor for generating 3D data points based on tactile feedback resulting from physical contact with at least part of the structure. A 3D model is constructed from the 3D data and is then analyzed to determine the condition of the structure.
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