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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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22.发明申请公开(公告)号：US20250146830A1
公开(公告)日：2025-05-08
申请号：US18954130
申请日：2024-11-20
Inventor： Aaron Williams , Ryan Michael Gross , Joseph Robert Brannan
IPC: G01C21/34 , B64C39/02 , B64U101/60 , B64U101/64 , G01C21/20 , G05D1/00 , G05D1/227 , G05D101/10 , G06Q10/047 , G06Q10/0631 , G06Q10/0635 , G06Q10/0639 , G06Q10/0835 , G06Q50/40
Abstract: A vehicle routing system includes a vehicle routing and analytics (VRA) computing device, one or more databases, and one or more vehicles communicatively coupled to the VRA computing device. The VRA computing device is configured to generate an optimal route for a vehicle to travel that maximizes potential revenue for operation of the vehicle, the optimal route including a schedule of a plurality of tasks, and generate analytics associated with operation of the vehicle. The VRA computing device is further configured to provide a management hub software application accessible by vehicle users associated with vehicles, tasks sources, and other users.
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公开(公告)号：US12293338B2
公开(公告)日：2025-05-06
申请号：US18431328
申请日：2024-02-02
Inventor： Joseph Robert Brannan , Ryan Michael Gross , Matthew Eric Riley, Sr. , Darwin Gene Beachy , Michael Aaron Myers , Brian N. Harvey , Benjamin Joel Tucker , Scott Thomas Christensen
Abstract: Described herein are methods and systems for generating and applying vehicle maintenance models to vehicle telematics data. A vehicle telematics analytics (VTA) computing device is configured to receive vehicle telematics data associated with operation of a subject vehicle, and apply the received vehicle telematics data to a vehicle maintenance model to determine whether the operation of the subject vehicle is better or worse than standard operation of like vehicles. The VTA computing device may adjust a maintenance cost and/or determine if a user of the vehicle is eligible for a reward based upon this determination. The VTA computing device is configured to transmit an itemized report to the user including the adjusted maintenance cost and/or the reward as well as one or more other vehicle costs.
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24.发明授权公开(公告)号：US12187289B1
公开(公告)日：2025-01-07
申请号：US17191400
申请日：2021-03-03
Inventor： Joseph Robert Brannan , Brian N. Harvey , Darwin Gene Beachy , Matthew Eric Riley, Sr. , Benjamin Joel Tucker , Michael Aaron Myers , Ryan Michael Gross
Abstract: A data analytics computing device for generating refined risk models responsive to vehicle-based telematics data is configured to receive geolocation data and telematics data associated with a plurality of vehicles. The geolocation data is captured at a location sensor of a vehicle computing device and representative of a location of the vehicle, and the telematics data is captured at a plurality of sensors of at least one of the vehicle or the vehicle computing device and representative of movement of the vehicle. The plurality of vehicles is associated with a geographic area. The data analytics computing device is also configured to apply machine-learning techniques to the geolocation data and the telematics data to define standard driving behavior within the geographic area, and generate driving behavior risk models for the geographic area based upon the standard driving behavior.
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25.发明申请公开(公告)号：US20240420245A1
公开(公告)日：2024-12-19
申请号：US18816233
申请日：2024-08-27
Inventor： Ryan Michael Gross , Joseph Robert Brannan , Brian N. Harvey
IPC: G06Q40/08 , G06Q10/20 , G06Q20/10 , G06Q30/0201 , G06Q30/0207 , G06Q30/0282 , G06Q40/02 , G06Q50/40 , G07C5/00 , G07C5/08 , G10L15/18
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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Patent Agency Ranking
26.发明授权公开(公告)号：US12112387B2
公开(公告)日：2024-10-08
申请号：US18331760
申请日：2023-06-08
Inventor： Ryan Michael Gross , Joseph Robert Brannan , Brian N. Harvey
IPC: G06Q40/08 , G06Q10/20 , G06Q20/10 , G06Q30/0201 , G06Q30/0207 , G06Q30/0282 , G06Q40/02 , G06Q50/40 , G07C5/00 , G07C5/08 , G10L15/18
CPC classification number: G06Q40/08 , G06Q10/20 , G06Q20/102 , G06Q30/0206 , G06Q30/0215 , G06Q30/0282 , G06Q40/02 , G06Q50/40 , G07C5/008 , G07C5/0808 , G07C5/085 , G10L15/1822
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：US20240177121A1
公开(公告)日：2024-05-30
申请号：US18431328
申请日：2024-02-02
Inventor： Joseph Robert Brannan , Ryan Michael Gross , Matthew Eric Riley, SR. , Darwin Gene Beachy , Michael Aaron Myers , Brian N. Harvey , Benjamin Joel Tucker , Scott Thomas Christensen
Abstract: Described herein are methods and systems for generating and applying vehicle maintenance models to vehicle telematics data. A vehicle telematics analytics (VTA) computing device is configured to receive vehicle telematics data associated with operation of a subject vehicle, and apply the received vehicle telematics data to a vehicle maintenance model to determine whether the operation of the subject vehicle is better or worse than standard operation of like vehicles. The VTA computing device may adjust a maintenance cost and/or determine if a user of the vehicle is eligible for a reward based upon this determination. The VTA computing device is configured to transmit an itemized report to the user including the adjusted maintenance cost and/or the reward as well as one or more other vehicle costs.
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公开(公告)号：US20240161197A1
公开(公告)日：2024-05-16
申请号：US17127426
申请日：2020-12-18
Inventor： Ryan Michael Gross , Jody Ann Thoele , Joseph Robert Brannan , Eric R. Moore
IPC: G06Q40/08
CPC classification number: G06Q40/08 , G06Q30/0645
Abstract: An on-demand insurance (ODI) server for generating dynamic user offerings may be provided. The ODI server may include at least one processor in communication with a memory device. The at least one processor may be programmed to (i) receive, from a user computing device associated with a user, an insurance policy request for a trip from a start location to an end location, (ii) determine at least one transportation mode available for the trip, (iii) access contextual data associated with the trip, (iv) assess a risk associated with the at least one transportation mode, (v) calculate a risk score associated with the at least one transportation mode based upon at least the contextual data, (vi) generate an insurance offering associated with the at least one transportation mode, and/or (vii) transmit the insurance offering in real time to the user computing device for purchase by the user.
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公开(公告)号：US20240062307A1
公开(公告)日：2024-02-22
申请号：US17979744
申请日：2022-11-02
Inventor： Ryan Michael Gross , M. Eric Riley, SR. , Jody Ann Thoele , Jordan Jeffers , Shawn Renee Harbaugh , Rick Lovings , Joann C. Yant , Jenny L. Jacobs
CPC classification number: G06Q40/08 , G06V20/56 , G06V20/188 , G06Q50/02
Abstract: Techniques for using connected vehicles as secondary data sources to confirm weather data and other triggering crop-damaging events associated with agriculture and agribusinesses, and mitigation techniques associated therewith are provided, including (1) determining indication of a weather event associated with a location of interest; (2) determining possible mitigation techniques for mitigating damage caused by the weather event; (3) receiving indications of location data associated with vehicles/passengers; (4) comparing the location data to a location of interest in order to identify vehicles/passengers within a proximity of the location of interest; (5) receiving sensor data captured by sensors associated with the identified vehicles; and (6) determining, based upon the sensor data captured by the sensors associated with the identified vehicles over a period of time, whether any of the possible mitigation techniques have been performed at the location of interest over the period of time.
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公开(公告)号：US11900330B1
公开(公告)日：2024-02-13
申请号：US17071163
申请日：2020-10-15
Inventor： Joseph Robert Brannan , Ryan Michael Gross , Matthew Eric Riley, Sr. , Darwin Gene Beachy , Michael Aaron Myers , Brian N. Harvey , Benjamin Joel Tucker , Scott Thomas Christensen
Abstract: Described herein are methods and systems for generating and applying vehicle maintenance models to vehicle telematics data. A vehicle telematics analytics (VTA) computing device is configured to receive vehicle telematics data associated with operation of a subject vehicle, and apply the received vehicle telematics data to a vehicle maintenance model to determine whether the operation of the subject vehicle is better or worse than standard operation of like vehicles. The VTA computing device may adjust a maintenance cost and/or determine if a user of the vehicle is eligible for a reward based upon this determination. The VTA computing device is configured to transmit an itemized report to the user including the adjusted maintenance cost and/or the reward as well as one or more other vehicle costs.
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