公开(公告)号：US09646346B2

公开(公告)日：2017-05-09

申请号：US14156958

申请日：2014-01-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Mark E. Clauss ,  Richard J. Lovings ,  David W. Thurber

IPC: H04B1/02 ,  G06Q40/08 ,  H04M1/725 ,  H04W4/00 ,  H04W8/08

CPC classification number: G06Q40/08 ,  H04M1/72519 ,  H04W4/80 ,  H04W8/08

Abstract: The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a battery powered Bluetooth device may be attached to a personal item of an insured individual. The Bluetooth device may automatically trigger a mobile telephone to begin storing data related to use of the personal item when the mobile telephone is proximate the Bluetooth device. The mobile telephone may periodically transmit the stored data to a remote server.

公开(公告)号：US20150039353A1

公开(公告)日：2015-02-05

申请号：US14521708

申请日：2014-10-23

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Mark E. Clauss ,  Richard J. Lovings ,  David W. Thurber

IPC: G06Q40/08 ,  H04M1/725 ,  H04W8/08 ,  H04W4/00

CPC classification number: G06Q40/08 ,  H04M1/72519 ,  H04W4/80 ,  H04W8/08

Abstract: The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a battery powered Bluetooth device may be attached to a personal item of an insured individual. The Bluetooth device may automatically trigger a mobile telephone to begin storing data related to use of the personal item when the mobile telephone is proximate the Bluetooth device. The mobile telephone may periodically transmit the stored data to a remote server.

Abstract translation: 本公开的装置，方法，系统和计算机可读介质提供用于保险评级目的的自动数据收集。 特别地，电池供电的蓝牙设备可以附接到被保险人的个人物品。 当移动电话靠近蓝牙设备时，蓝牙设备可以自动地触发移动电话开始存储与使用个人物品有关的数据。 移动电话可以周期地将存储的数据发送到远程服务器。

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：US08666789B1

公开(公告)日：2014-03-04

申请号：US13958131

申请日：2013-08-02

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Mark E. Clauss ,  Richard J. Lovings ,  David W. Thurber

IPC: G06Q40/00

CPC classification number: G06Q40/08 ,  H04M1/72519 ,  H04W4/80 ,  H04W8/08

Abstract: The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a battery powered Bluetooth device may be attached to a personal item of an insured individual. The Bluetooth device may automatically trigger a mobile telephone to begin storing data related to use of the personal item when the mobile telephone is proximate the Bluetooth device. The mobile telephone may periodically transmit the stored data to a remote server.

Abstract translation: 本公开的装置，方法，系统和计算机可读介质提供用于保险评级目的的自动数据收集。 特别地，电池供电的蓝牙设备可以附接到被保险人的个人物品。 当移动电话靠近蓝牙设备时，蓝牙设备可以自动地触发移动电话开始存储与使用个人物品有关的数据。 移动电话可以周期地将存储的数据发送到远程服务器。