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公开(公告)号：US20240291778A1
公开(公告)日：2024-08-29
申请号：US18378329
申请日：2023-10-10
Inventor： Brian Mark Fields , Nathan L. Tofte , Joseph Robert Brannan , Vicki King , Justin Davis
CPC classification number: H04L51/02 , G06Q50/188
Abstract: Systems and methods for an artificial intelligence (AI)/machine learning (ML) chatbot for intelligent negotiation of terms is disclosed herein. An exemplary computing system includes one or more processors; and a memory storing executable instructions thereon. When executed by the one or more processors, these instructions may cause the one or more processors to: receive, from a first contracting party during a negotiating period, a plurality of prospective terms for a contractual agreement; and determine, via an AI chatbot, whether the plurality of prospective terms are acceptable terms based on a plurality of parameters indicated by a second contracting party. Responsive to determining that the plurality of prospective terms are unacceptable terms, the instructions may further cause the processors to generate, via the AI chatbot, a plurality of counter terms based on the plurality of parameters; and transmit the plurality of counter terms to the first contracting party.
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公开(公告)号：US12034833B2
公开(公告)日：2024-07-09
申请号：US17946524
申请日：2022-09-16
Inventor： William J. Leise , Douglas A. Graff , Stacie A. McCullough , Shawn M. Call , Eric Bellas , Jaime Skaggs , Jacob J. Alt , Eric R. Moore , Vicki King
IPC: H04L29/06 , G06F16/901 , G06F21/60 , G06Q10/10 , G06Q10/20 , G06Q30/018 , G06Q30/02 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/00 , G07C5/08 , H04L9/06 , H04L9/30 , H04L9/32 , G01C22/00 , H04L9/00
CPC classification number: H04L9/0637 , G06F16/9027 , G06F21/602 , G06Q10/10 , G06Q10/20 , G06Q30/018 , G06Q30/0278 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/006 , G07C5/008 , G07C5/0808 , G07C5/0816 , G07C5/085 , H04L9/30 , H04L9/3239 , G01C22/00 , G06Q2220/00 , H04L9/3236 , H04L9/3247 , H04L9/50 , H04L2209/84
Abstract: The present embodiments relate to systems and methods for using a blockchain to record information related to the lifecycle of a vehicle associated with a Vehicle Identification Number (VIN). For example, the VIN lifecycle process may be used to develop safety-feature based insurance models. The systems and methods may include calculating a safety rating for a safety feature based upon data accessed at a blockchain. The safety rating may be used to generate a product associated with a new vehicle type, such as an insurance product covering the new vehicle type. The systems and methods described herein may allow for using a blockchain which gives the option for private information, and permissioned participants in the blockchain. In particular, the systems and methods may allow for a distributed consensus amongst businesses, consumers, and authorities, as to the validity of information and transactions stored on the blockchain.
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公开(公告)号：US12026780B1
公开(公告)日：2024-07-02
申请号：US15870271
申请日：2018-01-12
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 , G06F16/182 , G06Q50/163
CPC classification number: G06Q40/08 , G06F16/182 , G06Q50/163
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing loss histories for individuals and/or assets, such as real estate, homes, and vehicles, and/or for creating and maintaining loss history reports for individuals and/or insurable assets. The loss histories or loss history reports may be individual or insured specific, or may be insurable or insured asset specific.
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公开(公告)号：US20240142065A1
公开(公告)日：2024-05-02
申请号：US18095678
申请日：2023-01-11
Inventor： Brian N. Harvey , Vicki King
Abstract: Systems and methods are described for detecting a leak based upon home telematics data. The method may include: (1) receiving home telematics data from one or more sensors associated with one or more pipes (or piping systems) in a structure, wherein the home telematics data is indicative of the frequency with which the one or more pipes are being used; (2) determining, using a trained machine learning algorithm, pipe activity associated with the one or more pipes is occurring at an irregular frequency; (3) determining, based upon at least the determination that the pipe activity associated with the one or more pipes is occurring at the irregular frequency, that the one or more pipes are leaking; and (4) transmitting an indication to a user associated with the home that the one or more pipes are leaking.
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公开(公告)号：US20240142037A1
公开(公告)日：2024-05-02
申请号：US18122871
申请日：2023-03-17
Inventor： Nathan L. Tofte , Brian N. Harvey , Vicki King , Joseph P. Harr
CPC classification number: F16L55/48 , G01M3/005 , F16L2101/30
Abstract: A system and method for detecting blockages or leaks in a piping system. A water-resistant pill sensor is tracked while it travels through the piping system. The pill sensor's travel speed, travel time, movement, images, audio, and/or other data determines if a leak or blockage exists, and if so, an electronic notification detailing the blockage or leak, its location, and corrective action is sent.
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Patent Agency Ranking
公开(公告)号：US20240141611A1
公开(公告)日：2024-05-02
申请号：US18122867
申请日：2023-03-17
Inventor： Nathan L. Tofte , Brian N. Harvey , Vicki King , Joseph P. Harr
Abstract: A system and method for measuring water pressure on a foundation. Sensors may provide data related to the environment surrounding a foundation. Analysis of the sensor data determines properties of the environment, which may include a foundation water pressure. The system and method may determine damage to the foundation based upon the foundation water pressure.
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公开(公告)号：US20240111881A1
公开(公告)日：2024-04-04
申请号：US18532258
申请日：2023-12-07
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC: G06F21/62 , G06F21/60 , G06Q20/10 , G06Q20/38 , G06Q20/40 , G06Q40/08 , H04L9/06 , H04L9/08 , H04L9/14 , H04L9/30 , H04L9/32 , H04L9/40 , H04L67/104
CPC classification number: G06F21/6209 , G06F21/602 , G06F21/604 , G06F21/6245 , G06Q20/10 , G06Q20/102 , G06Q20/3825 , G06Q20/3827 , G06Q20/3829 , G06Q20/401 , G06Q20/4014 , G06Q40/08 , H04L9/0637 , H04L9/0825 , H04L9/0861 , H04L9/0894 , H04L9/14 , H04L9/30 , H04L9/3236 , H04L9/3247 , H04L63/0428 , H04L63/10 , H04L67/104 , G06Q20/223 , G06Q2220/10
Abstract: Methods and systems for processing a blockchain comprising a plurality of immutable sales records corresponding to sales made by agents of an entity are provided. According to certain aspects, a transaction request indicating a sale made by an agent of the entity may be received at a first node. A block including a sales record indicating the sale made by the agent may be added to a blockchain and transmitted to another node for validation. The first node may add the block to a copy of the blockchain, where the block may be identified by a hash value that references a previous block in the blockchain that includes at least one additional sales record.
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公开(公告)号：US20240087467A1
公开(公告)日：2024-03-14
申请号：US18508662
申请日：2023-11-14
Inventor： Rebecca A. Little , Bryan R. Nussbaum , Deanna L. Stockweather , Nathan C. Summers , Vicki King , Teresa Ho
CPC classification number: G09B5/12 , G06Q40/08 , G06T15/00 , G06T19/003
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.
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公开(公告)号：US11914728B2
公开(公告)日：2024-02-27
申请号：US17973652
申请日：2022-10-26
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC: G06F21/62 , H04L9/08 , H04L29/08 , G06Q20/10 , H04L9/06 , H04L29/06 , H04L9/40 , H04L67/104 , G06F21/60 , H04L9/32 , G06Q20/38 , G06Q40/08 , H04L9/14 , H04L9/30 , G06Q20/40 , G06Q20/22 , G06Q10/10 , H04L9/00
CPC classification number: G06F21/6209 , G06F21/602 , G06F21/604 , G06F21/6245 , G06Q20/10 , G06Q20/102 , G06Q20/3825 , G06Q20/3827 , G06Q20/3829 , G06Q20/401 , G06Q20/4014 , G06Q40/08 , H04L9/0637 , H04L9/0825 , H04L9/0861 , H04L9/0894 , H04L9/14 , H04L9/30 , H04L9/3236 , H04L9/3247 , H04L63/0428 , H04L63/10 , H04L67/104 , G06Q10/10 , G06Q20/223 , G06Q2220/00 , G06Q2220/10 , H04L9/50 , H04L63/105 , H04L2209/56
Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.
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公开(公告)号：US20240054733A1
公开(公告)日：2024-02-15
申请号：US17962070
申请日：2022-10-07
Inventor： Brian M. Fields , Nathan L. Tofte , Aaron C. Williams , Joseph P. Harr , Vicki King
CPC classification number: G06T19/006 , G02B27/0172 , G06F40/279
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.
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