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51.发明公开公开(公告)号：US20230325935A1
公开(公告)日：2023-10-12
申请号：US18206889
申请日：2023-06-07
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant , Michael Shawn Jacob
IPC: G06Q40/08 , G06T7/73 , G06T7/20 , H04N5/44 , H04N7/18 , G06T7/246 , G06T7/00 , G06V20/10 , G06V20/40 , G06Q40/00 , G06F18/22 , G06V10/42 , G01C11/02 , G06T11/60 , G06T17/05 , B64C39/02 , B64D47/08
CPC classification number: G06Q40/08 , G06T7/75 , G06T7/20 , H04N5/44 , H04N7/185 , G06T7/246 , G06T7/00 , G06V20/10 , G06V20/41 , G06Q40/00 , G06F18/22 , G06V10/42 , G01C11/02 , G06T11/60 , G06T17/05 , B64C39/024 , B64D47/08 , G06T2207/30236 , G06T2207/30252 , G06V20/44 , B64U10/00
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding a property, and collect data related to property. A location for an inspection of a property to be conducted by a UAV may be received, and one or more images depicting a view of the location may be displayed via a user interface. Additionally, a geofence boundary may be determined based on an area corresponding to a property boundary, where the geofence boundary represents a geospatial boundary in which to limit flight of the UAV. Furthermore, a navigation route may be determined which corresponds to the geofence boundary for inspection of the property by the UAV, the navigation route having waypoints, each waypoint indicating a location for the UAV to obtain drone data. The UAV may be directed around the property using the determined navigation route.
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公开(公告)号：US11676214B2
公开(公告)日：2023-06-13
申请号：US17488600
申请日：2021-09-29
Inventor： Roxane Lyons , John H. Jenkins , Brian N. Harvey , Amber L. Wyatt
CPC classification number: G06Q40/08 , G06V20/176
Abstract: A computer-implemented method for assessing damage to a plurality of properties is provided. After an occurrence of an event that is a potential cause of insured losses, image data depicting an aerial view of the properties may be received from an aerial platform. The image data may be processed to determine a subsequent condition of each property after occurrence of the event. Further, a damage severity level may be determined for each property, and used to display a map depicting different regions having properties with different respective damage severity levels.
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53.发明授权公开(公告)号：US11599947B1
公开(公告)日：2023-03-07
申请号：US16780507
申请日：2020-02-03
Inventor： Ryan Michael Gross , Joseph Robert Brannan , Brian N. Harvey
Abstract: A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.
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公开(公告)号：US11568006B1
公开(公告)日：2023-01-31
申请号：US16454814
申请日：2019-06-27
Inventor： Joseph Robert Brannan , Brian N. Harvey , Ryan Michael Gross , J. Lynn Wilson , Matthew Eric Riley, Sr.
IPC: G06F16/00 , G06F16/9535 , G06Q40/08 , 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.
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55.发明授权公开(公告)号：US11544791B1
公开(公告)日：2023-01-03
申请号：US16780658
申请日：2020-02-03
Inventor： Ryan Michael Gross , Joseph Robert Brannan , Brian N. Harvey
Abstract: A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.
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Patent Agency Ranking
公开(公告)号：US20220366509A1
公开(公告)日：2022-11-17
申请号：US17876316
申请日：2022-07-28
Inventor： Joseph Robert Brannan , Ryan Michael Gross , Brian N. Harvey
IPC: G06Q40/08
Abstract: The present embodiments may relate to systems for user mobility data analytics for a usage-based insurance platform. For instance, a user mobility analytics computing device may be configured to: (1) receive, from a user device, telematics data; (2) identify, from the telematics data, a plurality of trips; (3) identify, for each of the plurality of trips, a transportation mode based upon the telematics data; (4) build a trip database including the plurality of trips and trip data associated with each trip, the trip data including the transportation mode; (5) parse the trip data in the trip database to aggregate trip data associated with a particular transportation mode; (6) retrieve insurance policy data associated with an insurance policy and including a coverage type and a coverage amount; and (7) calculate an insurance premium based upon the aggregated trip data for the particular transportation mode and the insurance policy data.
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公开(公告)号：US20220020095A1
公开(公告)日：2022-01-20
申请号：US17488600
申请日：2021-09-29
Inventor： Roxane Lyons , John H. Jenkins , Brian N. Harvey , Amber L. Wyatt
Abstract: A computer-implemented method for assessing damage to a plurality of properties is provided. After an occurrence of an event that is a potential cause of insured losses, image data depicting an aerial view of the properties may be received from an aerial platform. The image data may be processed to determine a subsequent condition of each property after occurrence of the event. Further, a damage severity level may be determined for each property, and used to display a map depicting different regions having properties with different respective damage severity levels.
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公开(公告)号：US11222205B1
公开(公告)日：2022-01-11
申请号：US16825764
申请日：2020-03-20
Inventor： Brian N. Harvey
Abstract: A computer system for verifying hail damage and/or detecting hail fraud, using computer vision and artificial intelligence, includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving at least one image of at least a portion of a rooftop; (ii) analyzing the image to identify a plurality of damaged locations; (iii) analyzing the damaged locations to determine a distance between each of the damaged locations, a size of each of the damaged locations, and a shape of each of the damaged locations; and (iv) determining whether the damaged locations are a result of actual hail damage based upon at least one of the distance between each of the damaged locations, the size of each of the damaged locations, and the shape of each of the damaged locations.
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公开(公告)号：US11164263B1
公开(公告)日：2021-11-02
申请号：US16863748
申请日：2020-04-30
Inventor： Roxane Lyons , John H. Jenkins , Brian N. Harvey , Amber L. Wyatt
Abstract: A computer-implemented method for providing data associated with insured losses is presented. Data regarding an event that is a cause of the insured losses may be received. Respective indications of locations of properties insured by an insurance provider and sustaining the insured losses may be received. Image data from at least one image capturing device, where the image data is obtained from an aerial view of the properties and indicative of respective conditions of the properties, may be received. The image data may be processed to determine, for each property, an indication of the respective condition. The data associated with the insured losses may be provided via a user interface. The data associated with the insured losses may include (i) the respective indications of the locations of the properties, and (ii) the indications of the respective conditions of the properties.
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公开(公告)号：US10949930B1
公开(公告)日：2021-03-16
申请号：US16839655
申请日：2020-04-03
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding an insured or potentially insured asset, such as with the insurance customer's permission, and collect data related to the insured or potentially insured asset, such as size, height, roof shape, materials (siding, roofing), etc. which may form a basis of the underwriting detail used to evaluate a property. The drone data may reveal site characteristics, such as slope or grade of a parcel; the proximity to other structures (and their uses); trees; rivers; coastlines; and earthquake faults. The drone data may be used by an insurance provider remote server to assess the risk associated with an insured asset, generate or modify an insurance premium or discount, etc. The drone data may also be used to mitigate risk and prevent loss by alerting policyholders of the risk such that corrective action may be taken.
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