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21.发明授权公开(公告)号：US11544791B1
公开(公告)日：2023-01-03
申请号：US16780658
申请日：2020-02-03
Inventor： Ryan Michael Gross , Joseph Robert Brannan , Brian N. Harvey
Abstract: A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.
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公开(公告)号：US20220366509A1
公开(公告)日：2022-11-17
申请号：US17876316
申请日：2022-07-28
Inventor： Joseph Robert Brannan , Ryan Michael Gross , Brian N. Harvey
IPC: G06Q40/08
Abstract: The present embodiments may relate to systems for user mobility data analytics for a usage-based insurance platform. For instance, a user mobility analytics computing device may be configured to: (1) receive, from a user device, telematics data; (2) identify, from the telematics data, a plurality of trips; (3) identify, for each of the plurality of trips, a transportation mode based upon the telematics data; (4) build a trip database including the plurality of trips and trip data associated with each trip, the trip data including the transportation mode; (5) parse the trip data in the trip database to aggregate trip data associated with a particular transportation mode; (6) retrieve insurance policy data associated with an insurance policy and including a coverage type and a coverage amount; and (7) calculate an insurance premium based upon the aggregated trip data for the particular transportation mode and the insurance policy data.
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公开(公告)号：US20220020095A1
公开(公告)日：2022-01-20
申请号：US17488600
申请日：2021-09-29
Inventor： Roxane Lyons , John H. Jenkins , Brian N. Harvey , Amber L. Wyatt
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.
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公开(公告)号：US11222205B1
公开(公告)日：2022-01-11
申请号：US16825764
申请日：2020-03-20
Inventor： Brian N. Harvey
Abstract: A computer system for verifying hail damage and/or detecting hail fraud, using computer vision and artificial intelligence, includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving at least one image of at least a portion of a rooftop; (ii) analyzing the image to identify a plurality of damaged locations; (iii) analyzing the damaged locations to determine a distance between each of the damaged locations, a size of each of the damaged locations, and a shape of each of the damaged locations; and (iv) determining whether the damaged locations are a result of actual hail damage based upon at least one of the distance between each of the damaged locations, the size of each of the damaged locations, and the shape of each of the damaged locations.
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公开(公告)号：US11164263B1
公开(公告)日：2021-11-02
申请号：US16863748
申请日：2020-04-30
Inventor： Roxane Lyons , John H. Jenkins , Brian N. Harvey , Amber L. Wyatt
Abstract: A computer-implemented method for providing data associated with insured losses is presented. Data regarding an event that is a cause of the insured losses may be received. Respective indications of locations of properties insured by an insurance provider and sustaining the insured losses may be received. Image data from at least one image capturing device, where the image data is obtained from an aerial view of the properties and indicative of respective conditions of the properties, may be received. The image data may be processed to determine, for each property, an indication of the respective condition. The data associated with the insured losses may be provided via a user interface. The data associated with the insured losses may include (i) the respective indications of the locations of the properties, and (ii) the indications of the respective conditions of the properties.
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Patent Agency Ranking
公开(公告)号：US10949930B1
公开(公告)日：2021-03-16
申请号：US16839655
申请日：2020-04-03
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding an insured or potentially insured asset, such as with the insurance customer's permission, and collect data related to the insured or potentially insured asset, such as size, height, roof shape, materials (siding, roofing), etc. which may form a basis of the underwriting detail used to evaluate a property. The drone data may reveal site characteristics, such as slope or grade of a parcel; the proximity to other structures (and their uses); trees; rivers; coastlines; and earthquake faults. The drone data may be used by an insurance provider remote server to assess the risk associated with an insured asset, generate or modify an insurance premium or discount, etc. The drone data may also be used to mitigate risk and prevent loss by alerting policyholders of the risk such that corrective action may be taken.
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公开(公告)号：US10909628B1
公开(公告)日：2021-02-02
申请号：US14858052
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively survey an area or be dispatched to the scene of a vehicle collision or crash, such as with an insured's permission, and collect data related to the vehicle collision or crash, such as vehicle data, insurer data, images, video, audio, weather conditions, etc., and transmit this data to a computing device. The computing device may be associated with an insurer and/or utilized by an insurer to perform insurance-related tasks, such as processing the data to assign fault to one or more parties or vehicles, such as autonomous vehicles, involved in the vehicle collision or crash, using the fault assignment to open or otherwise process an insurance claim, modifying a premium price, updating qualified discounts, etc. The drone data may also assist an insurer in opening an insurance claim by prepopulating fields associated with a submitted claim form.
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公开(公告)号：US10730617B1
公开(公告)日：2020-08-04
申请号：US15960676
申请日：2018-04-24
Inventor： James M. Freeman , Roger D. Schmidgall , Brian N. Harvey , Nathan L. Tofte
IPC: B64C39/02
Abstract: A tethering system for a remote-controlled device including a tether line having a first end adapted to be connected to a ground support and a second end adapted to be connected to the remote-controlled device. The system further includes an anchor-point disposed between the first and second ends of the tether line, the anchor point having an eyelet for securing the tether line and allowing the tether line to slide through the eyelet during use. The anchor-point and eyelet enable the tether line to flex or bend and the remote-controlled device to maneuver one or more of over or around the target area without interfering with any nearby obstructions.
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公开(公告)号：US10712739B1
公开(公告)日：2020-07-14
申请号：US15966163
申请日：2018-04-30
Inventor： Nathan L. Tofte , Brian N. Harvey
IPC: B64C39/00 , G01C21/26 , G01S13/86 , G01S5/04 , G01S13/94 , G05D1/00 , G05D1/12 , G06Q40/08 , B64D47/08 , B64C39/02 , H04N7/18 , G06T17/20 , G06T19/00 , H04N5/77 , H04N21/414 , H04L29/08 , G06F3/0484 , G06F3/0481 , G06F3/0488
Abstract: Various techniques are described to facilitate controlling an unmanned aerial vehicle (UAV) and viewing feedback received from a UAV. A graphical user interface (GUI) is provided that allows a user to view a display window. The display window may indicate structures or portions of structures in which additional image data is desired by highlighting these portions within the display window. Static imagery may be leveraged to provide smooth and consistent feedback transitions. When a delay exists between the time the UAV sends live video data and the time it may be displayed in the GUI, the static images may be shown in the display window initially until the live video data may be displayed. The opacity of structures included in an initial display window may also transition to a greater opacity over time, with the live video eventually being displayed.
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公开(公告)号：US10145684B1
公开(公告)日：2018-12-04
申请号：US14858038
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
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 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. As a result, innocent drivers or vehicles may not be unfairly penalized for vehicle collisions not their fault.
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