公开(公告)号：US20230274368A1

公开(公告)日：2023-08-31

申请号：US18142766

申请日：2023-05-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Roxane Lyons ,  John H. Jenkins ,  Brian N. Harvey ,  Amber L. Wyatt

IPC: G06Q40/08 ,  G06V20/10

CPC classification number: G06Q40/08 ,  G06V20/176

Abstract: A computer-implemented method for assessing damage to a plurality of properties is provided. After an occurrence of an event that is a potential cause of insured losses, image data depicting an aerial view of the properties may be received from an aerial platform. The image data may be processed to determine a subsequent condition of each property after occurrence of the event. Further, a damage severity level may be determined for each property, and used to display a map depicting different regions having properties with different respective damage severity levels.

公开(公告)号：US20230056605A1

公开(公告)日：2023-02-23

申请号：US17977999

申请日：2022-10-31

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q40/08 ,  G06T7/73 ,  G06T7/20 ,  H04N5/44 ,  H04N7/18 ,  G06T7/246 ,  G06K9/62 ,  G06T7/00 ,  G06V10/42 ,  G06V20/10 ,  G06V20/40 ,  G06Q40/00 ,  G01C11/02 ,  G06T11/60 ,  G06T17/05 ,  B64C39/02 ,  B64D47/08

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：US20220172280A1

公开(公告)日：2022-06-02

申请号：US17673106

申请日：2022-02-16

Applicant: State Farm Mutual Automobile Insurance Company

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

IPC: G06Q30/06 ,  B60W40/06 ,  B60W40/04 ,  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：US11334940B1

公开(公告)日：2022-05-17

申请号：US16838417

申请日：2020-04-02

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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: G06Q40/00

Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the state of the traffic light at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation.

公开(公告)号：US11328363B1

公开(公告)日：2022-05-10

申请号：US16413245

申请日：2019-05-15

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Joseph Robert Brannan ,  Ryan Michael Gross ,  Brian N. Harvey ,  Aaron Williams ,  J Lynn Wilson

IPC: G06Q40/08 ,  G06Q30/04

Abstract: A property sharing insurance management (“PSIM”) computing device for analyzing data from a property sharing platform to adjust insurance premiums for an offerer of a property may be provided. The PSIM computing device may include at least one processor programmed to (i) receive, from a data source, a plurality of property data, (ii) store the property data in a plurality of data records in a database, wherein each data record is associated with one property and stores the plurality of property data for that property, (iii) analyze the property data for the property, (iv) determine a percentage of time that the property is used for commercial purposes in an insurance billing cycle, and (v) process one or more adjusted insurance premiums for the offerer based upon the determined percentage of time that the property is used for commercial purposes in the insurance billing cycle.

公开(公告)号：US11257146B1

公开(公告)日：2022-02-22

申请号：US16266879

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: G06Q30/06 ,  B60W40/06 ,  B60W40/04 ,  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：US20210287299A1

公开(公告)日：2021-09-16

申请号：US17093420

申请日：2020-11-09

Applicant: State Farm Mutual Automobile Insurance Company

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 ,  G06T7/73 ,  G06K9/00 ,  G06K9/52 ,  G06T7/20 ,  H04N5/44 ,  H04N7/18 ,  G06T7/246 ,  G01C11/02 ,  G06T11/60 ,  G06T17/05 ,  B64C39/02 ,  B64D47/08

Abstract: Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.

公开(公告)号：US11069050B1

公开(公告)日：2021-07-20

申请号：US15966086

申请日：2018-04-30

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Brian N. Harvey ,  Nathan L. Tofte ,  Roger D. Schmidgall ,  Michael Jeffrey Aviles ,  Kyle Pott ,  Rosemarie Geier Grant ,  Eric Haefli ,  Michael Shawn Jacob

IPC: G06K9/00 ,  G06T7/00 ,  G06T7/60 ,  G06K9/62 ,  G06K9/46 ,  G06T15/00 ,  G06T7/62 ,  G06K9/52

Abstract: A method and system may assess the damage to infrastructure using aerial images captured from an unmanned aerial vehicle (UAV), a manned aerial vehicle (MAV) or from a satellite device. Specifically, an item of infrastructure may be identified for assessing damage. The UAV, MAV, or satellite device may then capture aerial images within an area which surrounds the identified infrastructure item. Subsequently, the aerial images may be analyzed to determine a condition and the extent and/or severity of the damage to the infrastructure item. Furthermore, the aerial images along with indications of the extent of the damage may be displayed on a computing device, where one indication of the severity of the damage surrounds another indication of the severity of the damage on the display.

公开(公告)号：US10969781B1

公开(公告)日：2021-04-06

申请号：US15887208

申请日：2018-02-02

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Nathan L. Tofte ,  Brian N. Harvey

IPC: G05D1/00 ,  G06F3/0484 ,  G06F3/0488 ,  B64C39/02

Abstract: Various techniques are described to facilitate the control of an unmanned aerial vehicle (UAV). A graphical user interface (GUI) is provided that allows a user to control a UAV using familiar gestures. The GUI may include live video that is captured and transmitted by a UAV, which may be displayed in a display window on a portable computing device. Upon a user interacting with the display window, the video may be updated to display a new UAV perspective by changing a zoom level, panning, rotating, etc., based upon the type of user interaction. In response to the user interaction, a command may be generated and transmitted to the UAV, causing the UAV to navigate to a location to reflect the change in perspective. Upon the UAV moving to the new position, the live video data that is displayed may match the perspective indicated by the user gesture.

公开(公告)号：US10943413B1

公开(公告)日：2021-03-09

申请号：US16744994

申请日：2020-01-16

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Brian N. Harvey ,  Nathan L. Tofte

IPC: G06Q40/08 ,  G06Q10/08 ,  G06Q50/30 ,  G06Q50/28 ,  G07C5/00

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.