公开(公告)号：US20240273635A1

公开(公告)日：2024-08-15

申请号：US18643572

申请日：2024-04-23

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Nicholas Carmelo Marotta ,  Daniel Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Jason Goldfarb

IPC: G06Q40/08 ,  G06N20/00 ,  G06Q50/163

CPC classification number: G06Q40/08 ,  G06N20/00 ,  G06Q50/163

Abstract: Systems and methods are described for evaluating and gamifying maintenance for a property by a user. The method may include: (1) retrieving first home data for a first property and second home data for a second property, wherein a user is associated with the first property; (2) calculating, using a trained machine learning evaluation model, one or more second home score factors based upon the second home data; (3) detecting that the user is to be associated with the second property; (4) detecting, based upon the first home data and the second home data, one or more local environmental differences between the first property and the second property; and (5) generating a learning module for the user for improving or maintaining the one or more second home score factors based upon the one or more local environmental differences.

公开(公告)号：US20230342857A1

公开(公告)日：2023-10-26

申请号：US17816391

申请日：2022-07-29

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Nicholas Carmelo Marotta ,  Daniel Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Jason Goldfarb

IPC: G06Q40/08 ,  G06N20/00

CPC classification number: G06Q40/08 ,  G06N20/00 ,  G06Q50/163

Abstract: Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving at least one of home data for a property or user data for a user; (2) determining, using a trained machine learning evaluation model, one or more home score factors based upon at least one of the home data or the user data; (3) receiving, from the user, a home modification indication; (4) modifying, based upon the home modification indication, at least one of the one or more home score factors to create one or more modified home score factors; and (5) generating, based upon the one or more modified home score factors, a home score for the property.

公开(公告)号：US12277616B2

公开(公告)日：2025-04-15

申请号：US17972261

申请日：2022-10-24

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Nicholas Carmelo Marotta ,  Daniel Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Jason Goldfarb

IPC: G06Q50/16

Abstract: Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a property; (2) determining, based upon the home data for the property, one or more home score factors, wherein the determining may include: (i) analyzing, using a trained machine learning data evaluation model, the home data for the property to determine home characteristic data for the property, (ii) analyzing, using the trained machine learning data evaluation model, the home data for the property to determine a likelihood of loss associated with the property, and (iii) determining, based upon the home characteristic data for the property and the likelihood of loss associated with the property; and (3) generating, based upon the one or more home score factors, a home score for the property.

公开(公告)号：US20240338748A1

公开(公告)日：2024-10-10

申请号：US18631375

申请日：2024-04-10

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Amy L. Starr ,  John Mullins ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Daniel Wilson ,  Michael P. Baran ,  Bryan Nussbaum ,  Anish Agarwal ,  Ronald Dean Nelson ,  Alexander Cardona ,  John Andrew Schirano ,  Christopher N. Kawakita

IPC: G06Q30/0601

CPC classification number: G06Q30/0631

Abstract: The following relates generally to determining and/or displaying home scores. In some embodiments, one or more processors: (1) receive imagery data; (2) determine a new device based upon the imagery data; (3) determine a home score improvement that adding the new device to the home would make for the overall home score, the home safety subscore, the fire protection subscore, the sustainability subscore, and/or the home automation subscore; and/or (4) display the home score improvement on a display.

公开(公告)号：US12002107B2

公开(公告)日：2024-06-04

申请号：US17972275

申请日：2022-10-24

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Nicholas Carmelo Marotta ,  Daniel Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Jason Goldfarb

IPC: G06Q40/08 ,  G06N20/00 ,  G06Q50/163

CPC classification number: G06Q40/08 ,  G06N20/00 ,  G06Q50/163

Abstract: Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving at least one of home data for a property or user data for a user; (2) determining, using a trained machine learning evaluation model, one or more home score factors based upon at least one of the home data or the user data; (3) receiving, from the user, a home modification indication; (4) modifying, based upon the home modification indication, at least one of the one or more home score factors to create one or more modified home score factors; and (5) generating, based upon the one or more modified home score factors, a home score for the property.

公开(公告)号：US20240037680A1

公开(公告)日：2024-02-01

申请号：US18380069

申请日：2023-10-13

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q50/16

CPC classification number: G06Q50/16

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：US20230342859A1

公开(公告)日：2023-10-26

申请号：US17973108

申请日：2022-10-25

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 analyzing home data to generate a home score. The method may include: (1) retrieving home data for a first property; (2) determining, using a 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) retrieving past hazard data associated with a second property; and (5) generating based upon at least the past hazard data, a home modification recommendation.

公开(公告)号：US20230342858A1

公开(公告)日：2023-10-26

申请号：US17972275

申请日：2022-10-24

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Nicholas Carmelo Marotta ,  Daniel Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Jason Goldfarb

IPC: G06Q40/08 ,  G06N20/00

CPC classification number: G06Q40/08 ,  G06N20/00 ,  G06Q50/163

Abstract: Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving at least one of home data for a property or user data for a user; (2) determining, using a trained machine learning evaluation model, one or more home score factors based upon at least one of the home data or the user data; (3) receiving, from the user, a home modification indication; (4) modifying, based upon the home modification indication, at least one of the one or more home score factors to create one or more modified home score factors; and (5) generating, based upon the one or more modified home score factors, a home score for the property.