公开(公告)号：US20240112266A1

公开(公告)日：2024-04-04

申请号：US18124467

申请日：2023-03-21

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Brian N. Harvey ,  Joseph Robert Brannan ,  Joseph P. Harr ,  Edward W. Breitweiser

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q2220/00

Abstract: The following relates generally to providing insurance for a non-fungible token (NFT). For example, an NFT may represent ownership of a digital asset, such as an image and/or video. However, NFTs are sometimes lost (e.g., due to hacking, data corruption, etc.), and it thus may be wise to purchase insurance for the NFT. As such, in some embodiments, one or more processors: receive a request to purchase insurance for an NFT; determine an insurance premium for the NFT; and send an insurance quote including the determined insurance premium.

公开(公告)号：US20240112213A1

公开(公告)日：2024-04-04

申请号：US18530880

申请日：2023-12-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Joseph Robert Brannan ,  Ryan Gross

IPC: G06Q30/0208 ,  G06N20/00 ,  G06Q10/20 ,  G06Q50/30 ,  G08G1/00 ,  H04L51/046 ,  H04L51/224

CPC classification number: G06Q30/0208 ,  G06N20/00 ,  G06Q10/20 ,  G06Q50/30 ,  G08G1/20 ,  H04L51/046 ,  H04L51/224

Abstract: A method includes training artificial neural network models; analyzing first data to determine vehicle imperatives; and generating a respective action value by analyzing actions using the of trained artificial neural network models. A non-transitory computer readable medium containing program instructions that when executed, cause a computer system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models. A computing system includes: a processor; and a memory having stored thereon computer-executable instructions that, when executed by the one or more processors, cause the computing system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models.

公开(公告)号：US20240087005A1

公开(公告)日：2024-03-14

申请号：US18514876

申请日：2023-11-20

Applicant: State Farm Mutual Automobile Insurance Company

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

IPC: G06Q30/0645 ,  B60W40/04 ,  B60W40/06 ,  B60W40/09

CPC classification number: G06Q30/0645 ,  B60W40/04 ,  B60W40/06 ,  B60W40/09

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 received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. For each driving behavior, a corresponding state of an environment of the rented vehicle when the driving behavior occurred is determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the corresponding state(s) of the environment of the rented vehicle.

公开(公告)号：US20240087001A1

公开(公告)日：2024-03-14

申请号：US18124182

申请日：2023-03-21

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Joseph Robert Brannan ,  Brian N. Harvey ,  Edward W. Breitweiser ,  Joseph P. Harr

IPC: G06Q30/0601 ,  G06F21/31 ,  G06F21/62 ,  G06Q40/08

CPC classification number: G06Q30/0643 ,  G06F21/31 ,  G06F21/62 ,  G06Q40/08

Abstract: The following relates generally to providing a virtual insurance kiosk within a virtual environment. In some embodiments, an insurance server receives authentication credentials of a user device attempting to interact with the virtual insurance kiosk. The insurance server may authenticate the user device and establish a secure connection to the user device. The insurance server may then provide an insurance service to the user device. The following also relates generally to providing a secure virtual mall within a virtual environment. In some embodiments, a mall server receives authentication credentials from a user device and/or a vender server. The mall server may then authenticate the user to establish secure connection(s) to the user device and/or vender server. The mall server may process transactions between the user device and vender server, such as by underwriting insurance products related to the transactions.

公开(公告)号：US11915306B1

公开(公告)日：2024-02-27

申请号：US16267023

申请日：2019-02-04

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q30/0645 ,  B60W40/04 ,  B60W40/06 ,  B60W40/09

CPC classification number: G06Q30/0645 ,  B60W40/04 ,  B60W40/06 ,  B60W40/09

Abstract: Embodiments described herein, inter alia, receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by a potential renter during the period of time; identify, upon analyzing the telematics data, driving behavior(s) of the renter during the period of time; determine, for each driving behavior, a corresponding state of an environment of the vehicle when the driving behavior occurred; determine renter eligibility value(s) for the renter based on the driving behavior(s) and the corresponding state of an environment of the vehicle; compare the renter eligibility value(s) to user preference value(s) of a profile of a vehicle owner, wherein the user preference value(s) define one or more criteria for vehicle renters with whom the vehicle can be shared; and cause an indication of the vehicle associated with the profile to be displayed only if the renter satisfies the criteria.

公开(公告)号：US11887141B2

公开(公告)日：2024-01-30

申请号：US18080737

申请日：2022-12-13

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Joseph Robert Brannan ,  Ryan Gross

IPC: G06Q30/02 ,  G06Q30/0208 ,  G06N20/00 ,  H04L51/046 ,  G08G1/00 ,  G06Q50/30 ,  G06Q10/20 ,  H04L51/224

CPC classification number: G06Q30/0208 ,  G06N20/00 ,  G06Q10/20 ,  G06Q50/30 ,  G08G1/20 ,  H04L51/046 ,  H04L51/224

Abstract: A method includes training artificial neural network models; analyzing first data to determine vehicle imperatives; and generating a respective action value by analyzing actions using the of trained artificial neural network models. A non-transitory computer readable medium containing program instructions that when executed, cause a computer system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models. A computing system includes: a processor; and a memory having stored thereon computer-executable instructions that, when executed by the one or more processors, cause the computing system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models.

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：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.