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    Sensing peripheral heuristic evidence, reinforcement, and engagement system
    52.
    发明授权
    Sensing peripheral heuristic evidence, reinforcement, and engagement system 有权

    公开(公告)号：US11670153B2

    公开(公告)日：2023-06-06

    申请号：US17874010

    申请日：2022-07-26

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Williams ,  Joseph Robert Brannan ,  Christopher N. Kawakita ,  Dana C. Hunt

    IPC: G08B21/04 ,  G16H80/00 ,  G06N20/00

    CPC classification number: G08B21/0484 ,  G06N20/00 ,  G08B21/0423 ,  G08B21/0469 ,  G08B21/0476 ,  G16H80/00

    Abstract: Systems and methods for identifying a condition associated with an individual in a home environment are provided. Sensors associated with the home environment detect data, which is captured and analyzed by a local or remote processor to identify the condition. In some instances, the sensors are configured to capture data indicative of electricity use by devices associated with the home environment, including, e.g., which devices are using electricity, what date/time electricity is used by each device, how long each device uses electricity, and/or the power source for the electricity used by each device. The processor analyzes the captured data to identify any abnormalities or anomalies, and, based upon any identified abnormalities or anomalies, the processor determines a condition (e.g., a medical condition) associated with an individual in the home environment. The processor generates and transmits a notification indicating the condition associated with the individual to a caregiver of the individual.

    Vehicle fleet exchange method and system
    53.
    发明授权
    Vehicle fleet exchange method and system 有权

    公开(公告)号：US11562301B1

    公开(公告)日：2023-01-24

    申请号：US16269148

    申请日：2019-02-06

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Joseph Robert Brannan ,  Ryan Gross

    IPC: G06Q10/02 ,  G06Q50/30 ,  G06Q10/10 ,  G08G1/00

    Abstract: A method of facilitating a fleet exchange includes retrieving a fleet and retrieving a set of workers, analyzing the fleet and the set of workers using smart scheduling to generate allocations, and displaying the allocations to the workers. In another aspect, a non-transitory computer readable medium includes program instructions that when executed, cause a computer system to receive vehicle allocation request, retrieve worker information and a worker calendar, generate an allocation, and display the allocation in a display device. A computing system for facilitating fleet exchange includes one or more processors and a memory including computer executable instructions that, when executed by the one or more processors, cause the computing system to retrieve a fleet and a set of workers, analyze the fleet and the set of workers to generate allocations, and display the allocations in a respective computing device of the workers.

    INCENTIVIZING AND/OR PENALIZING VEHICLE RENTERS BASED ON TELEMATICS DATA
    55.
    发明申请
    INCENTIVIZING AND/OR PENALIZING VEHICLE RENTERS BASED ON TELEMATICS DATA 有权

    公开(公告)号：US20220172280A1

    公开(公告)日：2022-06-02

    申请号：US17673106

    申请日：2022-02-16

    Applicant: State Farm Mutual Automobile Insurance Company

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

    IPC: G06Q30/06 ,  B60W40/06 ,  B60W40/04 ,  B60W40/09

    Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. For each driving behavior, a corresponding state of an environment of the rented vehicle when the driving behavior occurred is determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the corresponding state(s) of the environment of the rented vehicle.

    Systems and methods for managing insurance premiums based upon peer-to-peer property sharing
    56.
    发明授权
    Systems and methods for managing insurance premiums based upon peer-to-peer property sharing 有权

    公开(公告)号：US11328363B1

    公开(公告)日：2022-05-10

    申请号：US16413245

    申请日：2019-05-15

    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 property sharing insurance management (“PSIM”) computing device for analyzing data from a property sharing platform to adjust insurance premiums for an offerer of a property may be provided. The PSIM computing device may include at least one processor programmed to (i) receive, from a data source, a plurality of property data, (ii) store the property data in a plurality of data records in a database, wherein each data record is associated with one property and stores the plurality of property data for that property, (iii) analyze the property data for the property, (iv) determine a percentage of time that the property is used for commercial purposes in an insurance billing cycle, and (v) process one or more adjusted insurance premiums for the offerer based upon the determined percentage of time that the property is used for commercial purposes in the insurance billing cycle.

    Incentivizing and/or penalizing vehicle renters based on telematics data
    57.
    发明授权
    Incentivizing and/or penalizing vehicle renters based on telematics data 有权

    公开(公告)号：US11257146B1

    公开(公告)日：2022-02-22

    申请号：US16266879

    申请日：2019-02-04

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q30/06 ,  B60W40/06 ,  B60W40/04 ,  B60W40/09

    Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. For each driving behavior, a corresponding state of an environment of the rented vehicle when the driving behavior occurred is determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the corresponding state(s) of the environment of the rented vehicle.

    Generating Virtual Reality (VR) Alerts for Challenging Streets
    59.
    发明申请
    Generating Virtual Reality (VR) Alerts for Challenging Streets 有权

    公开(公告)号：US20250095486A1

    公开(公告)日：2025-03-20

    申请号：US18970136

    申请日：2024-12-05

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Williams ,  Joseph Robert Brannan ,  John Donovan ,  Brian N. Harvey

    IPC: G08G1/0967 ,  G08G1/0969

    Abstract: The following relates generally to providing virtual reality (VR) alerts to a driver of an autonomous vehicle. For example, a vehicle may be driving autonomously while the driver is watching a VR movie (e.g., on a pair of VR goggles); the driver may then receive a VR alert recommending that the driver take control of the vehicle (e.g., switch the vehicle from autonomous to manual mode). The following also relates to generating a VR feed for presenting real-time road conditions so that a user may preview a road segment. The following also relates to generating a VR feed corresponding to an event (e.g., a vehicle collision, a crime, a weather event, and/or a natural disaster).

    System and methods for determining rental eligibility based on contextual telematics data
    60.
    发明授权
    System and methods for determining rental eligibility based on contextual telematics data 有权

    公开(公告)号：US12248981B2

    公开(公告)日：2025-03-11

    申请号：US18587640

    申请日：2024-02-26

    Applicant: State Farm Mutual Automobile Insurance Company

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

    IPC: G06Q30/0645 ,  B60W40/04 ,  B60W40/06 ,  B60W40/09

    Abstract: Embodiments described herein, inter alia, receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by a potential renter during the period of time; identify, upon analyzing the telematics data, driving behavior(s) of the renter during the period of time; determine, for each driving behavior, a corresponding state of an environment of the vehicle when the driving behavior occurred; determine renter eligibility value(s) for the renter based on the driving behavior(s) and the corresponding state of an environment of the vehicle; compare the renter eligibility value(s) to user preference value(s) of a profile of a vehicle owner, wherein the user preference value(s) define one or more criteria for vehicle renters with whom the vehicle can be shared; and cause an indication of the vehicle associated with the profile to be displayed only if the renter satisfies the criteria.

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