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    RISK ASSESSMENT FOR AN AUTOMATED VEHICLE
    21.
    发明申请
    RISK ASSESSMENT FOR AN AUTOMATED VEHICLE 审中-公开
    自动车辆风险评估

    公开(公告)号：US20150112731A1

    公开(公告)日：2015-04-23

    申请号：US14057467

    申请日：2013-10-18

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Joe Harr ,  Brian Fields ,  Steven Cielocha ,  Steve J. Balbach

    IPC: G06Q40/08 ,  G07C5/00

    CPC classification number: G06Q40/08 ,  G07C5/008

    Abstract: A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, operational data indicative of when a vehicle is driven according to an automated control mode in which an automated driving system of the vehicle is active, storing the received operational data in the memory, and determining, via the one or more processors and based on the stored operational data, a risk indicator representing a risk of loss associated with the vehicle.

    Abstract translation: 在包括存储器和一个或多个处理器的电子处理系统中实现的一种方法包括在电子处理系统处接收根据自动控制模式指示车辆何时被驱动的操作数据，其中自动驾驶系统 所述车辆是活动的，将所接收的操作数据存储在所述存储器中，并且经由所述一个或多个处理器并且基于所存储的操作数据确定代表与所述车辆相关联的损失风险的风险指示器。

    SYSTEMS AND METHODS FOR ANALYZING VEHICLE OPERATION DATA TO FACILITATE INSURANCE POLICY
    22.
    发明申请
    SYSTEMS AND METHODS FOR ANALYZING VEHICLE OPERATION DATA TO FACILITATE INSURANCE POLICY 审中-公开
    车辆操作数据分析保障政策的系统与方法

    公开(公告)号：US20140310028A1

    公开(公告)日：2014-10-16

    申请号：US14314822

    申请日：2014-06-25

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Scott T. Christensen ,  Christopher E. Gay ,  Gregory Hayward ,  Steven C. Cielocha ,  Todd Binion

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    Abstract: Methods and systems for leveraging a plurality of sensor devices distributed in a geographical area to monitor vehicle usage for assessing, pricing, and provisioning distance-based vehicle insurance. One or more sensor devices may capture information associated with a vehicle and communicate the information to an insurance provider. In aspects, the insurance provider may analyze the information to determine a distance that the vehicle travels within a particular time period. Further, the insurance provider may determine a vehicle usage unit based on the distance traveled as well as provide various insurance coverage types to a customer associated with the vehicle. Based on a selected coverage type, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle usage units and may facilitate a purchase transaction with the customer for the insurance policy.

    Abstract translation: 用于利用分布在地理区域中的多个传感器装置来监测用于评估，定价和提供基于距离的车辆保险的车辆使用的方法和系统。 一个或多个传感器设备可以捕获与车辆相关的信息并将信息传送给保险提供者。 在方面，保险提供者可以分析信息以确定车辆在特定时间段内行驶的距离。 此外，保险提供者可以基于所行驶的距离来确定车辆使用单元，并且向与车辆相关联的顾客提供各种保险范围类型。 基于所选择的覆盖类型，保险提供者可以为具有车辆使用单位的数量的策略生成保险报价，并且可以促进与客户的保险单的购买交易。

    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes
    23.
    发明申请
    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes 有权
    车辆图像和声音数据收集保险等级目的

    公开(公告)号：US20140257872A1

    公开(公告)日：2014-09-11

    申请号：US14203344

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Scott T. Christensen ,  Gregory Hayward ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    Abstract: A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.

    Abstract translation: 方法和计算机系统向保单持有人提供车辆保险承保和评级。 该方法和系统从策略持有者接收与车辆相关联的捕获的传感器数据。 例如，捕获的传感器数据可以包括车辆图像和声音数据。 方法和系统可以将接收到的数据与基线数据进行比较，以确定车辆的运行状况。 至少部分地基于车辆的确定的运行状况，该方法和系统可以识别车辆的损失风险。 方法和系统可以至少部分地基于所识别的损失风险来确定车辆的保险费，并向保单持有人提供确定的保险费。 在一些实施例中，传感器数据是由用户的移动电话捕获的图像和声音数据。

    SYSTEMS AND METHODS FOR PROCESSING CREDITS FOR DISTANCE-BASED INSURANCE POLICIES
    24.
    发明申请
    SYSTEMS AND METHODS FOR PROCESSING CREDITS FOR DISTANCE-BASED INSURANCE POLICIES 审中-公开
    用于处理基于距离的保险政策信用的系统和方法

    公开(公告)号：US20140257865A1

    公开(公告)日：2014-09-11

    申请号：US14202660

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Christopher E. Gay ,  Scott T. Christensen ,  Gregory Hayward ,  Steven Cielocha ,  Todd Binion

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    Abstract: Methods and systems for processing credits for customers having distance-based insurance policies for vehicles. According to aspects, a distance-based insurance policy of a vehicle specifies an amount of distance units for insured vehicle travel and has an associated policy term. Upon expiration of the policy term, an insurance provider receives an odometer reading and uses the odometer reading to calculate an amount of unused distance units. The insurance provider may determine one or more types of credit that are based on the amount of unused distance units. The insurance provider may also apply the one or more types of credit to an account of the customer.

    Abstract translation: 为具有基于距离的车辆保险单的客户处理信用的方法和系统。 根据方面，车辆的基于距离的保险单规定了保险车辆行驶距离单位的数量，并具有相关联的策略项。 在保单期限届满后，保险提供者收到里程表读数，并使用里程表读数来计算未使用的距离单位的数量。 保险提供者可以基于未使用的距离单位的数量确定一种或多种类型的信用。 保险提供者也可以将一种或多种类型的信用额度应用于客户的账户。

    System and method for identifying cabinetry
    25.
    发明授权
    System and method for identifying cabinetry 有权

    公开(公告)号：US12164600B2

    公开(公告)日：2024-12-10

    申请号：US18331624

    申请日：2023-06-08

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Joshua M. Mast ,  Jeffrey Wyrick

    IPC: G06F18/22 ,  G06F18/214 ,  G06N20/00 ,  G06Q30/0601 ,  G06V10/40

    Abstract: Systems and methods for analyzing image data to identify cabinet products are disclosed. A computer-implemented method may include receiving, from an electronic device via a network connection, at least one digital image depicting a cabinet. The method also may include analyzing, by one or more processors, the at least one digital image to determine a first set of characteristics of the cabinet. Additionally, the method may include accessing, by the one or more processors from memory, a second set of characteristics corresponding to a plurality of cabinet products and comparing the first set of characteristics to the second set of characteristics to identify a cabinet product of the plurality of cabinet products that matches the cabinet. Further, the method may include transmitting, to the electronic device via the network connection, an indication of the cabinet product.

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