公开(公告)号：US20170132712A1

公开(公告)日：2017-05-11

申请号：US15414157

申请日：2017-01-24

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08 ,  G07C5/08 ,  G06Q30/02 ,  H04W4/04 ,  H04W4/02 ,  G07C5/00 ,  G01S19/13

Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

公开(公告)号：US08930231B2

公开(公告)日：2015-01-06

申请号：US13763050

申请日：2013-02-08

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/00 ,  G06Q10/08 ,  G06Q10/06 ,  G06Q40/08

CPC classification number: G06Q40/08 ,  B60W40/09 ,  G01C21/3676 ,  G01C21/3697 ,  G01S19/13 ,  G06Q10/0639 ,  G06Q10/0833 ,  G06Q30/0283 ,  G06Q40/04 ,  G07C5/008 ,  G07C5/08 ,  G07C5/0858 ,  H04L67/12 ,  H04W4/026 ,  H04W4/046

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

Abstract translation: 一种用于至少部分地基于收集的车辆操作数据向远程计算机或服务器提供车辆操作数据一段时间的计算车辆保险费的方法，其中所述方法包括以下步骤：经由移动站收集车辆操作数据 所述移动设备与操作车辆相关联，其中所述车辆操作数据具有保险风险预测能力; 以及将所收集的车辆操作数据从所述移动设备发送到远程计算机。 远程计算机或服务器接收收集的车辆操作数据，将收集的车辆操作数据存储在数据库中，至少部分地基于收集的车辆操作数据，经由评级引擎来确定车辆保险费。

公开(公告)号：US10979515B1

公开(公告)日：2021-04-13

申请号：US16703662

申请日：2019-12-04

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Richard Simon ,  Jeremy Lee Rambo ,  John M. VanAntwerp ,  Dan Kalmes ,  Burton J. Floyd ,  Thad Garrett Craft ,  Marc Anderson ,  Nick U. Christopulos ,  Patrick Mead ,  Richard Berglund ,  Erik Donahue ,  Joseph W. Norton ,  Vladyslava Matviyenko

IPC: H04L29/08 ,  G06F16/9535

Abstract: A computer-implemented method for retrieving information from information services and providing it to a public application programming interface (API) includes receiving a first request data message using a core discovery agent, the request data message including at least one requested datum, for which a value is sought, and at least one known datum, for which a value is known; calling a resource locator to request a location of an information service that provides a value for the requested datum; calling a resource façade to contact the information service; transmitting a first information service message including the requested datum and known datum from the resource façade to the information service; receiving a second information service message from the information service including a value for the requested datum; and transmitting a resolved data message including the requested datum and its value from the core discovery agent to the public API.

公开(公告)号：US10402907B2

公开(公告)日：2019-09-03

申请号：US13763231

申请日：2013-02-08

Applicant: State Farm Mutual Automobile Insurance Company ,  Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

Inventor： Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/00 ,  G06Q40/08 ,  G06Q10/06 ,  G06Q10/08 ,  B60W40/09 ,  G06Q40/04 ,  G07C5/08 ,  H04W4/04 ,  G01S19/13 ,  G06Q30/02 ,  G07C5/00 ,  H04W4/02 ,  G01C21/36 ,  H04W4/40 ,  H04L29/08

Abstract: A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a remote computer receives the collected vehicle operation data from a mobile device and calculates an insurance premium based at least in part on the collected vehicle operation data. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a server receives collected vehicle operation data, a database stores the collected vehicle operation data, and a rating engine determines a vehicle insurance premium based at least in part on collected vehicle operation data.

公开(公告)号：US20170287076A1

公开(公告)日：2017-10-05

申请号：US15623171

申请日：2017-06-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08 ,  G06Q10/06 ,  G07C5/08 ,  G01S19/13 ,  H04W4/04 ,  G06Q40/04 ,  G06Q10/08 ,  B60W40/09

Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

公开(公告)号：US20170132713A1

公开(公告)日：2017-05-11

申请号：US15414268

申请日：2017-01-24

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Brian T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08 ,  B60W40/09 ,  G01C21/36 ,  G07C5/08

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

公开(公告)号：US20150170290A1

公开(公告)日：2015-06-18

申请号：US14630808

申请日：2015-02-25

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J. Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

Abstract translation: 一种用于至少部分地基于收集的车辆操作数据向远程计算机或服务器提供车辆操作数据一段时间的计算车辆保险费的方法，其中所述方法包括以下步骤：经由移动站收集车辆操作数据 所述移动设备与操作车辆相关联，其中所述车辆操作数据具有保险风险预测能力; 以及将所收集的车辆操作数据从所述移动设备发送到远程计算机。 远程计算机或服务器接收收集的车辆操作数据，将收集的车辆操作数据存储在数据库中，至少部分地基于收集的车辆操作数据，经由评级引擎来确定车辆保险费。

公开(公告)号：US20130151288A1

公开(公告)日：2013-06-13

申请号：US13763050

申请日：2013-02-08

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, SR. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  B60W40/09 ,  G01C21/3676 ,  G01C21/3697 ,  G01S19/13 ,  G06Q10/0639 ,  G06Q10/0833 ,  G06Q30/0283 ,  G06Q40/04 ,  G07C5/008 ,  G07C5/08 ,  G07C5/0858 ,  H04L67/12 ,  H04W4/026 ,  H04W4/046

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.