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    Systems and methods for managing insurance premiums based upon peer-to-peer property sharing
    51.
    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.

    Providing Temporary Insurance Coverage Using Temporary Risk Data
    52.
    发明申请
    Providing Temporary Insurance Coverage Using Temporary Risk Data 有权

    公开(公告)号：US20210272209A1

    公开(公告)日：2021-09-02

    申请号：US15863208

    申请日：2018-01-05

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Williams ,  Justin Davis ,  Kristopher Keith Gaudin ,  Leo Nelson Chan

    IPC: G06Q40/08

    Abstract: A computer-implemented method of providing insurance coverage using temporary risk data may include: (1) receiving, at an insurance provider computing device(s), data indicative of a risk of a loss associated with a party; (2) determining, based upon the data indicative of the risk, whether the risk of the loss associated with the party is temporarily different from an ordinary risk of the loss; (3) determining, when the risk of the loss is temporarily different from the ordinary risk of the loss, terms of temporary insurance coverage for the loss having the risk that is temporarily different from the ordinary risk of the loss; and (4) providing or offering, for a duration for which the risk of the loss is to be temporarily different from the ordinary risk of the loss, the temporary insurance coverage for the loss. As a result, insurance-cost savings may be passed on to risk averse customers.

    MANUAL CONTROL RE-ENGAGEMENT IN AN AUTONOMOUS VEHICLE
    53.
    发明申请
    MANUAL CONTROL RE-ENGAGEMENT IN AN AUTONOMOUS VEHICLE 有权

    公开(公告)号：US20210064027A1

    公开(公告)日：2021-03-04

    申请号：US16950558

    申请日：2020-11-17

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Brian Mark Fields ,  Leo Nelson Chan ,  Kristopher Keith Gaudin ,  Aaron Williams

    IPC: G05D1/00

    Abstract: Vehicles may have the capability to navigate according to various levels of autonomous capabilities, the vehicle having a different set of autonomous competencies at each level. In certain situations, the vehicle may shift from one level of autonomous capability to another. The shift may require more or less driving responsibility from a human operator. Sensors inside the vehicle collect human operator parameters to determine an alertness level of the human operator. An alertness level is determined based on the human operator parameters and other data including historical data or human operator-specific data. Notifications are presented to the user based on the determined alertness level that are more or less intrusive based on the alertness level of the human operator and on the urgency of an impending change to autonomous capabilities. Notifications may be tailored to specific human operators based on human operator preference and historical performance.

    Manual control re-engagement in an autonomous vehicle
    54.
    发明授权
    Manual control re-engagement in an autonomous vehicle 有权

    公开(公告)号：US10935974B1

    公开(公告)日：2021-03-02

    申请号：US15957637

    申请日：2018-04-19

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Brian Mark Fields ,  Leo Nelson Chan ,  Kristopher Keith Gaudin ,  Aaron Williams

    IPC: G05D1/00

    Abstract: Vehicles may have the capability to navigate according to various levels of autonomous capabilities, the vehicle having a different set of autonomous competencies at each level. In certain situations, the vehicle may shift from one level of autonomous capability to another. The shift may require more or less driving responsibility from a human operator. Sensors inside the vehicle collect human operator parameters to determine an alertness level of the human operator. An alertness level is determined based on the human operator parameters and other data including historical data or human operator-specific data. Notifications are presented to the user based on the determined alertness level that are more or less intrusive based on the alertness level of the human operator and on the urgency of an impending change to autonomous capabilities. Notifications may be tailored to specific human operators based on human operator preference and historical performance.

    SYSTEMS AND METHODS FOR AUTONOMOUS VEHICLE SELECTION AND ROUTING USING ARTIFICIAL INTELLIGENCE
    55.
    发明申请
    SYSTEMS AND METHODS FOR AUTONOMOUS VEHICLE SELECTION AND ROUTING USING ARTIFICIAL INTELLIGENCE 有权

    公开(公告)号：US20250006052A1

    公开(公告)日：2025-01-02

    申请号：US18623797

    申请日：2024-04-01

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Aaron Williams ,  Seth Corin

    IPC: G08G1/0967 ,  G06F40/20 ,  G07C5/00 ,  G07C5/08 ,  G08G1/0968

    Abstract: A computer system may be provided. The computer system may include at least one processor. The at least one processor may be programmed to: (i) receive, from a user device, a transportation request including an origin, a destination, and at least one good or person to be transported; (ii) select, based upon the transportation request using an AI model, an AV of a plurality of candidate AVs in communication with the server computing device, wherein the AI model is trained using historical transportation records including historical transportation data associated with historical transportation; (iii) generate, based upon the transportation request using the AI model, a route for the AV; and/or (iv) transmit route data to the selected AV, wherein the route data causes the selected AV to travel the generated route.

    VR ENVIRONMENT FOR ACCIDENT RECONSTRUCTION
    56.
    发明申请
    VR ENVIRONMENT FOR ACCIDENT RECONSTRUCTION 有权

    公开(公告)号：US20240385684A1

    公开(公告)日：2024-11-21

    申请号：US18785875

    申请日：2024-07-26

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06F3/01 ,  G06T11/00 ,  G08G1/16

    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).

    ANALYSIS OF CUSTOMER DRIVER DATA
    57.
    发明公开
    ANALYSIS OF CUSTOMER DRIVER DATA 审中-公开

    公开(公告)号：US20240362686A1

    公开(公告)日：2024-10-31

    申请号：US18238779

    申请日：2023-08-28

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Williams ,  Joseph Harr ,  Scott T. Christensen ,  Ryan M. Gross

    IPC: G06Q30/0282 ,  G06Q30/0217

    CPC classification number: G06Q30/0282 ,  G06Q30/0217

    Abstract: A computer-implemented method for providing feedback on driving behavior of a driver based upon driving behavior data associated with the driver may include, by one or more processors, (i) receiving driving behavior data associated with the driver; (ii) inputting the driving behavior data associated with the driver into a generative AI model to generate feedback about the driving behavior of a driver, wherein the generative AI model is trained using historical driving behavior to identify behavioral patterns in driving and configured to (a) correlate driving behavioral patterns with suggestions to improve driving, (b) analyze input driving behavior data associated with the driver to determine suggestions to improve the driving behavior of the driver, and (c) generate feedback regarding the driving behavior associated with the driver; and (iii) presenting, by the one or more processors, the feedback to the driver.

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