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公开(公告)号：US11735039B1
公开(公告)日：2023-08-22
申请号：US16703253
申请日：2019-12-04
Inventor： Gregory L. Hayward
IPC: G08G1/01 , G01C21/36 , B60Q5/00 , G05D1/02 , G08G1/0968 , B60K35/00 , G08G1/09 , B60W40/10 , G01S19/13 , H04W4/06 , G01S19/50 , G08G1/16 , G08G1/052 , B60W50/14 , H04L67/12 , G08G1/127 , G01C21/34 , G07C5/00 , G01C21/00 , G05D1/00 , G01S19/51 , G06Q40/08 , H04W4/02 , G01S19/47 , H04L65/611
CPC classification number: G08G1/0141 , B60K35/00 , B60Q5/006 , B60W40/10 , B60W50/14 , G01C21/005 , G01C21/3415 , G01C21/3492 , G01C21/36 , G01C21/3655 , G01C21/3691 , G01S19/13 , G01S19/47 , G01S19/50 , G01S19/51 , G05D1/0088 , G05D1/0278 , G06Q40/08 , G07C5/008 , G08G1/012 , G08G1/0112 , G08G1/0125 , G08G1/0133 , G08G1/052 , G08G1/091 , G08G1/096827 , G08G1/096844 , G08G1/096855 , G08G1/127 , G08G1/16 , G08G1/162 , G08G1/166 , H04L65/611 , H04L67/12 , H04W4/027 , H04W4/06
Abstract: A computer-implemented method of generating and broadcasting telematics and/or image data is provided. Telematics and/or image data may be collected, with customer permission, in real-time by a mobile device (or a Telematics App running thereon) traveling within an originating vehicle. The telematics data may include acceleration, braking, speed, heading, and location data associated with the originating vehicle. The mobile device may generate an updated telematics data broadcast including up-to-date telematics data at least every few seconds; and then broadcast the updated telematics data broadcast at least every few seconds via wireless communication to another computing device to facilitate alerting another vehicle or driver of an abnormal traffic condition or event that the originating vehicle is experiencing. An amount that an insured uses or otherwise employs the telematics data-based risk mitigation or prevention functionality may be used with usage-based insurance, or to calculate or adjust insurance premiums or discounts.
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公开(公告)号：US20230143195A1
公开(公告)日：2023-05-11
申请号：US18150973
申请日：2023-01-06
Inventor： Leif Agerholm Roll , Craig Dean Isaacs , Eric Webster , Gregory L. Hayward
Abstract: A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, 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：US20230037543A1
公开(公告)日：2023-02-09
申请号：US17966876
申请日：2022-10-16
Inventor： Blake S. Konrardy , Gregory L. Hayward , Scott Farris , Scott T. Christensen
IPC: B60W30/095 , G08G1/16 , G05D1/02 , G06F16/2455 , G05D1/00 , G07C5/08 , G05B15/02 , B60R25/102 , B60R25/25 , B60R25/04 , B60R21/34 , B60W30/18 , G06Q40/08 , G01C21/36 , G01C21/34 , G06F21/32 , B60W10/20 , B60R21/0136 , G08G1/0965 , G07C5/00 , G08B25/01 , G01S19/13 , G08G1/14 , B60L58/12 , B60W10/04 , B60R25/10 , G08G1/00 , B60W40/04 , H04L12/28 , B60R16/023 , B60L53/36 , B60W10/18 , B60W30/12 , B60W30/16 , B60R21/01 , B60R21/00 , H04L67/12 , G06N20/00
Abstract: Methods and systems autonomously parking and retrieving vehicles are disclosed. Available parking spaces or parking facilities may be identified, and the vehicle may be navigated to an available space from a drop-off location without passengers. Special-purpose sensors, GPS data, or wireless signal triangulation may be used to identify vehicles and available parking spots. Upon a user request or a prediction of upcoming user demand, the vehicle may be retrieved autonomously from a parking space. Other vehicles may be autonomously moved to facilitate parking or retrieval.
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公开(公告)号：US20220284517A1
公开(公告)日：2022-09-08
申请号：US17752702
申请日：2022-05-24
Inventor： Gregory L. Hayward , Meghan Sims Goldfarb , Nicholas U. Christopulos , Erik Donahue
IPC: G06Q40/08 , G06N3/08 , G06V30/194 , G06V20/00
Abstract: A method of determining damage to property includes inputting historical data into a machine learning model to identify an insured type, features, and/or characteristics. The method may include identifying a peril, repair and/or replacement cost of the vehicle by analyzing a digital image from a device of an insured, the digital image depicting damage to the vehicle, The method may include inputting the digital image into the trained machine learning model to identify a type, feature, and/or characteristic of the vehicle, and may include identifying a peril, repair, and/or replacement cost associated with the vehicle. A method may include receiving and/or retrieving free-form text associated with an insurance claim and/or a vehicle, identifying at least one key word composing the free-form text, and determining based on the at least one key word a cause of loss and/or peril that caused damage to the vehicle.
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公开(公告)号：US20210398227A1
公开(公告)日：2021-12-23
申请号：US17466722
申请日：2021-09-03
Inventor： Gregory L. Hayward , Meghan Sims Goldfarb , Nicholas U. Christopulos , Erik Donahue
Abstract: Machine learning techniques for determining a risk level of a target building or other type of real property include receiving data indicative of various historical characteristics of and/or associated with real property, and/or receiving data included in historical, electronic claims pertaining to buildings/real properties, and utilizing the received data to train a machine learning or other model that identifies or discovers risk factors associated with buildings/real properties. The machine learning or other model may be applied to characteristic data associated with the target building/real property to generate risk factors and/or risk indicators of the target building/real property. The techniques may include analyzing the generated risk factors and/or risk indicators to determine a risk level of the target building/real property. The risk factors, risk indicators, and/or risk level may be used for many purposes, such as pricing, quoting, underwriting, or re-underwriting of insurance policies.
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Patent Agency Ranking
公开(公告)号：US20210373563A1
公开(公告)日：2021-12-02
申请号：US17402895
申请日：2021-08-16
Inventor： Scott T. Christensen , Gregory L. Hayward
Abstract: Systems and methods for modifying operation of an autonomous vehicle in an emergency situation are disclosed. According to aspects, a computing device associated with the autonomous vehicle detects, based on sensor(s), an emergency event associated with the autonomous vehicle. In response to detecting the emergency event, the computing device determines location(s) of emergency vehicle(s) and determines an assistance location for the autonomous vehicle. The computing device determines which of the emergency vehicle(s) is a nearest emergency vehicle that is nearest to the assistance location, and transmits the assistance location to the nearest emergency vehicle. The computing device then causes the autonomous vehicle to travel to the assistance location.
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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：US10042363B1
公开(公告)日：2018-08-07
申请号：US15787311
申请日：2017-10-18
Inventor： Gregory L. Hayward
Abstract: A computer-implemented method of using telematics data associated with an originating vehicle at a destination vehicle is provided. The method includes receiving telematics data associated with the originating vehicle by (1) a mobile device, or (2) a smart vehicle controller associated with a driver, and analyzing the telematics data to determine that a travel event exists. If the travel event exists, the method may determine if the travel event presents an issue or problem for the vehicle (or driver) by determining that a GPS location of the travel event is located along the current travel route of the vehicle and, if so, automatically taking a preventive or corrective action that alleviates a negative impact of the travel event on the driver or vehicle to facilitate safer or more efficient vehicle travel. Insurance discounts may be provided based upon the risk mitigation or prevention functionality, or usage thereof.
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公开(公告)号：US11960287B2
公开(公告)日：2024-04-16
申请号：US17402895
申请日：2021-08-16
Inventor： Scott T. Christensen , Gregory L. Hayward
CPC classification number: G05D1/0214 , G05D1/0011 , G05D1/0276 , G05D2201/0213
Abstract: Systems and methods for modifying operation of an autonomous vehicle in an emergency situation are disclosed. According to aspects, a computing device associated with the autonomous vehicle detects, based on sensor(s), an emergency event associated with the autonomous vehicle. In response to detecting the emergency event, the computing device determines location(s) of emergency vehicle(s) and determines an assistance location for the autonomous vehicle. The computing device determines which of the emergency vehicle(s) is a nearest emergency vehicle that is nearest to the assistance location, and transmits the assistance location to the nearest emergency vehicle. The computing device then causes the autonomous vehicle to travel to the assistance location.
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