公开(公告)号：US20230161751A1

公开(公告)日：2023-05-25

申请号：US17700912

申请日：2022-03-22

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Puneit Dua ,  Joshua James Wiggs ,  Matt Corbin ,  Dustin Helland

IPC: G06F16/23

CPC classification number: G06F16/2365 ,  G06F16/2358 ,  G06Q50/163

Abstract: The following relates generally to generating a property measurement (e.g., a property value, a construction replacement cost, a property health score, etc.) of a subject property, and, more particularly, to generating a property measurement of the subject property when at least one property parameter of the subject property is unknown or inaccurate. In some embodiments, a set of properties nearby the subject property is identified, and information of the set of properties is received. At least one property parameter (e.g., a year built, a square footage, a qualitative build grade of the subject property, etc.) is optimized. The property measurement of the subject property may then be optimized based upon the determined at least one property parameter.

公开(公告)号：US20220392004A1

公开(公告)日：2022-12-08

申请号：US17529983

申请日：2021-11-18

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY ,  United Services Automobile Association (USAA)

Inventor： Ryan Maurer ,  Nolan White ,  Kyle D. Weber ,  Edward Austin ,  William Guthrie ,  Dustin Helland ,  Bharat Prasad ,  Sharon Kay Haverlah ,  Karen Marie Shackelford-George

IPC: G06Q50/18 ,  G06F16/23 ,  H04L9/32

Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.

公开(公告)号：US20240320755A1

公开(公告)日：2024-09-26

申请号：US18735558

申请日：2024-06-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Daniel Wilson ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Arsh Singh ,  Dustin Helland

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Systems and methods are described for generating and/or displaying an overall home score for a property. The method may include: retrieving one or more attributes of a property; determining one or more home score factors from the attributes; generating an overall home score; generating a neighborhood score; and displaying the overall home score, the neighborhood score and/or a map.

公开(公告)号：US20240273637A1

公开(公告)日：2024-08-15

申请号：US18643603

申请日：2024-04-23

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Daniel Wilson ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Arsh Singh ,  Dustin Helland

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Systems and methods are described for evaluating and gamifying maintenance for a property by a user. The method may include: (1) retrieving home data for a first property; (2) determining, using a first trained machine learning evaluation model, one or more home score factors based upon at least the home data; (3) generating, based upon the one or more home score factors, a home score for the first property; (4) determining, using a second trained machine learning evaluation model, that one or more additional properties are similar to the first property; (5) retrieving past hazard data associated with a second property of the one or more additional properties; and (6) generating, based upon at least the past hazard data and at least one of the one or more home score factors, a learning module for the first property.

公开(公告)号：US20230394035A1

公开(公告)日：2023-12-07

申请号：US18235220

申请日：2023-08-17

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Puneit Dua ,  Joshua James Wiggs ,  Matt Corbin ,  Dustin Helland

IPC: G06F16/23

CPC classification number: G06F16/2365 ,  G06F16/2358 ,  G06Q50/163

Abstract: The following relates generally to generating a property measurement (e.g., a property value, a construction replacement cost, a property health score, etc.) of a subject property, and, more particularly, to generating a property measurement of the subject property when at least one property parameter of the subject property is unknown or inaccurate. In some embodiments, a set of properties nearby the subject property is identified, and information of the set of properties is received. At least one property parameter (e.g., a year built, a square footage, a qualitative build grade of the subject property, etc.) is optimized. The property measurement of the subject property may then be optimized based upon the determined at least one property parameter.

公开(公告)号：US20230161752A1

公开(公告)日：2023-05-25

申请号：US17978016

申请日：2022-10-31

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Puneit Dua ,  Joshua James Wiggs ,  Matt Corbin ,  Dustin Helland

IPC: G06F16/23

CPC classification number: G06F16/2365 ,  G06F16/2358 ,  G06Q50/163

Abstract: The following relates generally to generating a property measurement (e.g., a property value, a construction replacement cost, a property health score, etc.) of a subject property, and, more particularly, to generating a property measurement of the subject property when at least one property parameter of the subject property is unknown or inaccurate. In some embodiments, a set of properties nearby the subject property is identified, and information of the set of properties is received. At least one property parameter (e.g., a year built, a square footage, a qualitative build grade of the subject property, etc.) is optimized. The property measurement of the subject property may then be optimized based upon the determined at least one property parameter.

公开(公告)号：US11461861B1

公开(公告)日：2022-10-04

申请号：US17530030

申请日：2021-11-18

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY ,  United Services Automobile Association (USAA)

Inventor： Ryan Maurer ,  Nolan White ,  Kyle D. Weber ,  Edward Austin ,  William Guthrie ,  Dustin Helland ,  Bharat Prasad ,  Sharon Kay Haverlah ,  Karen Marie Shackelford-George

IPC: G06Q50/18 ,  H04L9/32 ,  G06F16/23

Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.