公开(公告)号：US20230399024A1

公开(公告)日：2023-12-14

申请号：US17947677

申请日：2022-09-19

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Ryan Michael Gross ,  Matthew S. Megyese ,  Joseph P. Harr ,  Scott Thomas Christensen ,  Vicki King ,  Shawn Renee Harbaugh

IPC: B60W60/00 ,  G01C21/34 ,  B60L58/16

CPC classification number: B60W60/0023 ,  G01C21/3469 ,  G01C21/3461 ,  B60L58/16 ,  B60W2510/18

Abstract: A computer-implemented method of predicting and providing an efficient driving route for an electric vehicle (EV) based upon battery health impact includes (i) receiving geographical telematics data; (ii) generating one or more driving routes for the electric vehicle based upon at least the geographical telematics data; (iii) predicting a projected battery health impact on a battery of the electric vehicle for each driving route of the one or more driving routes, wherein the projected battery health impact for each driving route is based at least upon geographical characteristics of the driving route; (iv) determining one or more battery-efficient driving route recommendations based upon at least the projected battery health impact for each driving route; and/or (v) providing the one or more battery-efficient driving route recommendations to a user.

公开(公告)号：US11776062B1

公开(公告)日：2023-10-03

申请号：US17319952

申请日：2021-05-13

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Joseph Robert Brannan ,  Brian N. Harvey ,  Ryan Michael Gross ,  J. Lynn Wilson ,  Matthew Eric Riley, Sr.

IPC: G06Q40/08 ,  G06Q50/00 ,  G06Q30/0645 ,  G06F16/9535

CPC classification number: G06Q40/08 ,  G06F16/9535 ,  G06Q30/0645 ,  G06Q50/01

Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.

公开(公告)号：US20230153917A1

公开(公告)日：2023-05-18

申请号：US18157206

申请日：2023-01-20

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Joseph Robert Brannan ,  Brian N. Harvey ,  Ryan Michael Gross ,  J. Lynn Wilson ,  Matthew Eric Riley, SR.

IPC: G06Q40/08 ,  G06Q30/0645 ,  G06Q50/00 ,  G06F16/9535 ,  G06F16/9035

CPC classification number: G06Q40/08 ,  G06Q30/0645 ,  G06Q50/01 ,  G06F16/9535 ,  G06F16/9035

Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a sharing score between the online user profiles is provided. The matching computer system may be configured to generate online user profiles associated with users of the systems. The matching computer system may be also configured to calculate a base score based upon the generated online user profile. Each base score represents a level of trustworthiness of each respective user. The matching computer system may be further configured to determine a sharing score between users based upon the base scores. Each sharing score represents a level of matching between the online user profiles.

公开(公告)号：US11599951B1

公开(公告)日：2023-03-07

申请号：US17127410

申请日：2020-12-18

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Jody Ann Thoele ,  Joseph Robert Brannan ,  Eric R. Moore

IPC: G06Q40/08 ,  G06Q10/10 ,  G06Q50/14 ,  G06Q50/26 ,  G09B19/00 ,  G06F3/0482 ,  G06Q50/30 ,  G06N20/00

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.

公开(公告)号：US20220261924A1

公开(公告)日：2022-08-18

申请号：US17739983

申请日：2022-05-09

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Joseph Robert Brannan ,  Ryan Michael Gross ,  Brian N. Harvey ,  Aaron Williams ,  J Lynn Wilson

IPC: G06Q40/08 ,  G06Q30/04

Abstract: A computing device for analyzing data from a property sharing platform may be provided. The computing device may include a processor in communication with a memory device and the property sharing platform. The processor may be programmed to (i) receive a plurality of property data associated with commercial transactions of a plurality of properties, (ii) organize the received property data in a plurality of data records by date, (iii) identify patterns in the subset of property data for a selected property for a predetermined period of time, the patterns indicating when the selected property was used for commercial purposes during the predetermined period of time, and (iv) transmit content to a client device including the identified patterns and a percentage of time the selected property was used for commercial purposes during the predetermined period of time.

公开(公告)号：US20250131376A1

公开(公告)日：2025-04-24

申请号：US18988392

申请日：2024-12-19

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Jody Ann Thoele ,  Joseph Robert Brannan ,  Eric R. Moore

IPC: G06Q10/10 ,  G01C21/34 ,  G06F16/245 ,  G06F16/29 ,  G06N20/00 ,  G06Q10/047 ,  G06Q30/0204 ,  G06Q40/08 ,  G06Q50/14

Abstract: An adaptive mapping (AM) computing device having at least one processor in communication with at least one memory device is provided. The AM computing device may be configured to retrieve a plurality of tasks associated with a user, and retrieve geographic mapping data. The AM computing device may also generate a route model based upon the retrieved plurality of tasks and the retrieved geographic mapping data. The AM computing device may execute the route model to determine an optimal route, and transmit, to the user, an optimized travel plan based upon the optimal route.

公开(公告)号：US20250076065A1

公开(公告)日：2025-03-06

申请号：US18953986

申请日：2024-11-20

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Aaron Williams ,  Ryan Michael Gross ,  Joseph Robert Brannan

IPC: G01C21/34 ,  B64U101/64 ,  G01C21/20 ,  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.

公开(公告)号：US12217314B2

公开(公告)日：2025-02-04

申请号：US18373553

申请日：2023-09-27

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Joseph Robert Brannan ,  Brian N. Harvey ,  Ryan Michael Gross ,  J. Lynn Wilson ,  Matthew Eric Riley, Sr.

IPC: G06Q40/08 ,  G06F16/9035 ,  G06F16/9535 ,  G06Q30/0645 ,  G06Q50/00

Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.

公开(公告)号：US20240416925A1

公开(公告)日：2024-12-19

申请号：US18819834

申请日：2024-08-29

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Joseph Robert Brannan ,  Brian N. Harvey ,  Darwin Gene Beachy ,  Matthew Eric Riley, Sr. ,  Benjamin Joel Tucker ,  Michael Aaron Myers ,  Ryan Michael Gross

IPC: B60W40/09 ,  B60W30/08 ,  G06N20/00 ,  G06V20/56 ,  H04W4/021 ,  H04W4/40

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.

公开(公告)号：US12112283B1

公开(公告)日：2024-10-08

申请号：US16544498

申请日：2019-08-19

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Aaron Williams ,  Ryan Michael Gross ,  Joseph Robert Brannan

IPC: G06Q10/047 ,  G01C21/34 ,  G06Q10/0631 ,  G06Q10/0639 ,  G06Q50/30 ,  G06Q50/40

CPC classification number: G06Q10/047 ,  G01C21/3438 ,  G01C21/3453 ,  G06Q10/06316 ,  G06Q10/0639 ,  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.