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    System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment
    33.
    发明授权
    System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment 有权
    基于有关潜在车辆操作人员损失的实时数据调整保险费率的制度和方法

    公开(公告)号：US09165326B1

    公开(公告)日：2015-10-20

    申请号：US14484922

    申请日：2014-09-12

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Jibo He ,  Brian Mark Fields ,  Steve Roberson ,  Steve C. Cielocha ,  Jufeng Peng ,  Julian Coltea

    IPC: G06Q40/08 ,  G06N99/00 ,  A61B5/18

    CPC classification number: G06Q40/08 ,  A61B5/18 ,  B60K28/066 ,  B60W40/08 ,  B60W2040/0818 ,  B60W2040/0827 ,  B60W2040/0836 ,  B60W2040/0845 ,  G06N99/005 ,  G06Q30/0201 ,  G07C5/008

    Abstract: A method includes receiving data about potential impairment of a vehicle operator, wherein the data about potential impairment is generated by: (i) a first optical sensor monitoring a vehicle operator, and (ii) a second optical sensor monitoring an environment ahead of a vehicle operated by the vehicle operator. The computer-implemented method further includes assigning a plurality of scores based on the data about potential vehicle operator impairment, wherein each of the plurality of scores corresponds to a respective impairment indicator, determining an impairment score by performing a mathematical operation on the plurality of scores, and providing the impairment score to a remote device configured to alert the vehicle operator based on the impairment score.

    Abstract translation: 一种方法包括接收关于车辆操作者的潜在的损害的数据，其中关于潜在的损害的数据是通过以下方式产生的：（i）监测车辆操作者的第一光学传感器和（ii）监测车辆前方的环境的第二光学传感器 由车辆操作员操作。 计算机实现的方法还包括基于关于潜在的车辆运营商减值的数据分配多个分数，其中多个分数中的每个分数对应于相应的减值指标，通过对多个分数执行数学运算来确定减值分数 ，并且将所述减值分数提供给被配置为基于所述损害分数警告所述车辆操作者的远程设备。

    PREDICTIVE RISK PROPENSITY MODEL FOR IMPROVING HIGH RISK DRIVING BEHAVIORS
    34.
    发明申请
    PREDICTIVE RISK PROPENSITY MODEL FOR IMPROVING HIGH RISK DRIVING BEHAVIORS 有权

    公开(公告)号：US20250039275A1

    公开(公告)日：2025-01-30

    申请号：US18913126

    申请日：2024-10-11

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Brian Mark Fields ,  Stephen R. Prevatt ,  Steve Roberson

    IPC: H04L67/565 ,  G06Q40/08 ,  G07C5/08 ,  H04L67/12

    Abstract: Systems and methods for providing an aspirational safe driving incentive to drivers having the propensity or ability to improve high risk driving behaviors are provided. Drivers exhibiting high risk driving behaviors may be identified, and initial vehicle telematics data associated with each of the drivers may be collected and analyzed in order to determine which drivers have propensity or ability to improve their high risk driving behaviors. These candidate drivers may receive a probationary safe driving incentive along with feedback configured to improve the drivers' high risk driving behaviors. Updated vehicle telematics data associated with each candidate driver may be collected in order to evaluate an extent to which each candidate driver has improved his or her high risk driving behaviors. Accordingly, a candidate driver's probationary safe driving incentive may be modified or maintained based on the extent to which the candidate has improved upon high risk driving behaviors.

    Autonomous vehicle mode alert system for bystanders
    35.
    发明授权
    Autonomous vehicle mode alert system for bystanders 有权

    公开(公告)号：US12142139B2

    公开(公告)日：2024-11-12

    申请号：US18227247

    申请日：2023-07-27

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Brian Mark Fields ,  Steve Roberson

    IPC: G08G1/005 ,  G08G1/017

    Abstract: An alert may be triggered to notify a pedestrian of the current operational mode of a nearby vehicle. For instance, a vehicle may operate in an autonomous or manual mode, and may occasionally switch from one mode to the other. A pedestrian who may be unaware of the current operational mode of a nearby vehicle may notice the alert and proceed accordingly. In one embodiment, an indication of the current operational mode of the nearby vehicle may be transmitted to an electronic device associated with the pedestrian. The device may generate a notification to the pedestrian based on the current operational mode. In an additional or alternative embodiment, the alert may be transmitted by the vehicle externally to be visible or audible to the pedestrian. In some embodiments, the alert may be triggered only for particular operational modes (e.g., only for autonomous or only for manual).

    Dynamic safe storage of vehicle content
    36.
    发明授权
    Dynamic safe storage of vehicle content 有权

    公开(公告)号：US12005910B2

    公开(公告)日：2024-06-11

    申请号：US18130736

    申请日：2023-04-04

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Scott T. Christensen ,  Brian Mark Fields ,  Stephen R. Prevatt ,  Steve Roberson

    IPC: B60W50/00

    CPC classification number: B60W50/0098 ,  B60W2900/00

    Abstract: Systems and methods are provided for dynamically protecting transportable articles in vehicles. A system for dynamically protecting a transportable article in a vehicle may include one or more processors and non-volatile memory storing instructions. The instructions, when executed by the one or more processors, cause the system to determine at least one of a characteristic or a trait of the transportable article; detect, based on sensed data, an emergency condition; select one or more article protection components based on (i) the at least one of the characteristic or the trait of the transportable article, and (ii) the detected emergency condition; and in response to detecting the emergency condition, deploy the selected one or more article protection components to protect the transportable article.

    Dynamic safe storage of vehicle content
    39.
    发明授权
    Dynamic safe storage of vehicle content 有权

    公开(公告)号：US11623651B2

    公开(公告)日：2023-04-11

    申请号：US17738209

    申请日：2022-05-06

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Scott T. Christensen ,  Brian M. Fields ,  Stephen R. Prevatt ,  Steve Roberson

    IPC: B60W50/00

    Abstract: Systems and methods are provided for dynamically protecting transportable articles in vehicles. A system for dynamically protecting a transportable article in a vehicle may include one or more processors and non-volatile memory storing instructions. The instructions, when executed by the one or more processors, cause the system to determine at least one of a characteristic or a trait of the transportable article; detect, based on sensed data, an emergency condition; select one or more article protection components based on (i) the at least one of the characteristic or the trait of the transportable article, and (ii) the detected emergency condition; and in response to detecting the emergency condition, deploy the selected one or more article protection components to protect the transportable article.

    Autonomous vehicle mode alert system for bystanders
    40.
    发明授权
    Autonomous vehicle mode alert system for bystanders 有权

    公开(公告)号：US11482097B2

    公开(公告)日：2022-10-25

    申请号：US17321079

    申请日：2021-05-14

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Brian Mark Fields ,  Steve Roberson

    IPC: G08G1/005 ,  G08G1/017

    Abstract: An alert may be triggered to notify a pedestrian of the current operational mode of a nearby vehicle. For instance, a vehicle may operate in an autonomous or manual mode, and may occasionally switch from one mode to the other. A pedestrian who may be unaware of the current operational mode of a nearby vehicle may notice the alert and proceed accordingly. In one embodiment, an indication of the current operational mode of the nearby vehicle may be transmitted to an electronic device associated with the pedestrian. The device may generate a notification to the pedestrian based on the current operational mode. In an additional or alternative embodiment, the alert may be transmitted by the vehicle externally to be visible or audible to the pedestrian. In some embodiments, the alert may be triggered only for particular operational modes (e.g., only for autonomous or only for manual).

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