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公开(公告)号：US10916075B1
公开(公告)日：2021-02-09
申请号：US15679336
申请日：2017-08-17
Inventor： Eric Webster , Eric Dahl , Blake Konrardy
Abstract: Techniques for using dynamic comparison groups to assess driving safety are provided. Customizable comparison groups of vehicle operator's may be created based upon specific parameters. Drivers belonging to each specific comparison group may be ranked among one another based upon a comparison of telematics data that is associated with each vehicle, which may indicate various metrics associated with each driver's driving safety. By providing each driver's ranking within comparison groups, a gamified interface and user interaction is achieved, which promotes competition and acts as an incentive for the drivers to drive safer and avoid risk. Additional incentives may be provided in the form of automobile insurance premium discounts and recommendations for improving the driver's ranking.
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Patent Agency Ranking
公开(公告)号：US10713728B1
公开(公告)日：2020-07-14
申请号：US15869685
申请日：2018-01-12
Inventor： Leif Agerholm Roll , Craig Dean Isaacs , Eric Webster , Gregory L. Hayward
Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of financial instruments corresponding to a particular affinity group of insurance policies may be created and automatically offered for auction, e.g., online. Bids received from potential investors may indicate, e.g., percentage of assumed risk, percentage of profit sharing, percentage of shared loss, service or commission fee amounts, etc. that are acceptable to the bidding party. The party or parties submitting the winning bids may be awarded investment in the financial instruments and may enter into respective financial agreements with the financial instrument provider, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.
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公开(公告)号：US10664920B1
公开(公告)日：2020-05-26
申请号：US15869752
申请日：2018-01-12
Inventor： Leif Agerholm Roll , Eric Webster , Gregory L. Hayward , Craig Dean Isaacs
Abstract: Blockchain techniques for providing insurance to an affinity group may include an enforcement server that receives a plurality of bidding actions (e.g., bid or no-bid) from a plurality of bidding entities in response to an auction of an opportunity to provide insurance for members of the affinity group. The server may compile transactions corresponding to the received bidding actions into a block of transactions (e.g., a round of bidding), distribute the block of transactions to validation entities to form a consensus on the highest bid, and update copies of a distributed ledger with the block of transactions. The server may identify a winning bid and provide affinity group member data to the winning bidding entity, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The affinity group may be updated over time and re-auctioned using the blockchain techniques.
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公开(公告)号：US20250087034A1
公开(公告)日：2025-03-13
申请号：US18958901
申请日：2024-11-25
Inventor： Eric Webster , Eric Dahl , Blake Konrardy
Abstract: A computer-implemented method can include, identifying a subset of drivers from among a group of other drivers. The computer-implemented method can also include, receiving a first set of telematics data associated with a vehicle operated by a driver and a second set of telematics data associated with a group of other vehicles operated by the subset of drivers from among the group of other drivers. The computer-implemented method can further include, ranking the driver and drivers of the subset of drivers by comparing the first set of telematics data and the second set of telematics data. The computer-implemented method can additionally include, transmitting for display on a graphical user interface of an electronic device of the driver, a ranking of the driver. The computer-implemented method can also include, upon determining changes in one or more of: (a) a movement of the vehicle or (b) a respective movement of at least one vehicle of the group of other vehicles: re-ranking the driver, and transmitting for display on the graphical user interface of the electronic device of the driver, the ranking of the driver, as re-ranked. Other embodiments are disclosed herein.
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公开(公告)号：US11354750B1
公开(公告)日：2022-06-07
申请号：US16853711
申请日：2020-04-20
Inventor： Leif Agerholm Roll , Eric Webster , Gregory Hayward , Craig Dean Isaacs
Abstract: Blockchain techniques for providing insurance to an affinity group may include an enforcement server that receives a plurality of bidding actions (e.g., bid or no-bid) from a plurality of bidding entities in response to an auction of an opportunity to provide insurance for members of the affinity group. The server may compile transactions corresponding to the received bidding actions into a block of transactions (e.g., a round of bidding), distribute the block of transactions to validation entities to form a consensus on the highest bid, and update copies of a distributed ledger with the block of transactions. The server may identify a winning bid and provide affinity group member data to the winning bidding entity, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The affinity group may be updated over time and re-auctioned using the blockchain techniques.
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公开(公告)号：US20210295443A1
公开(公告)日：2021-09-23
申请号：US15890895
申请日：2018-02-07
Inventor： Eric Webster
Abstract: Systems and methods for using a vehicle's relative speed to determine an automobile insurance risk assessment rating are provided. According to certain aspects, an average velocity may be calculated, either from real-time or historical telematics data, for a group of vehicles traveling in the same direction on a roadway. Additionally, an average velocity differential for a target vehicle may be determined based upon the average velocity of the group of vehicles. Moreover, based upon the average velocity differential, an automobile insurance risk assessment rating for an individual may be determined which may cause a change in the individual's automobile insurance premium. Further, recommendations on how to improve the individual's automobile insurance risk assessment rating may be provided to the user via the user interface of an electronic device associated with the individual.
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