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公开(公告)号：US12032945B2
公开(公告)日：2024-07-09
申请号：US18134365
申请日：2023-04-13
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion , Aaron Scott Chan
IPC分类号： G06F8/65 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/04 , B60W50/08 , B60W50/12 , B60W50/14 , B60W60/00 , B62D15/02 , G01C21/34 , G05D1/00 , G06Q30/0201 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/08 , G08B25/10 , G08G1/09 , G08G1/0962 , G08G1/14 , B60W50/00
CPC分类号： G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/082 , B60W50/12 , B60W50/14 , B60W60/0053 , B60W60/0059 , B60W60/007 , B62D15/0285 , G01C21/3407 , G05D1/0055 , G05D1/0214 , G05D1/0278 , G06Q30/0206 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10 , G08G1/091 , G08G1/0962 , G08G1/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0075 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2420/403 , B60W2540/043 , B60W2540/22 , B60W2540/221 , B60W2540/26 , B60W2556/45 , B60W2756/10 , B60W2900/00
摘要： Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features arm provided. According to certain aspects, the operating status of the features, the identity of a vehicle operator, risk levels for operation of the vehicle by the vehicle operator, or damage to the vehicle may be determined based upon sensor or other data. According to further aspects, decisions regarding transferring control between the features and the vehicle operator may be made based upon sensor data and information regarding the vehicle operator. Additional aspects may recommend or install updates to the autonomous operation features based upon determined risk levels. Some aspects may include monitoring transportation infrastructure and communicating information about the infrastructure to vehicles.
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公开(公告)号：US11966982B2
公开(公告)日：2024-04-23
申请号：US17828479
申请日：2022-05-31
发明人： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
IPC分类号： G06Q40/08 , E03B7/07 , G05B15/02 , G06Q10/10 , G06Q30/02 , G06Q50/16 , G06Q50/163 , G08B21/20 , G16Y10/50 , H04L12/28 , G08B21/04 , G16Y40/10
CPC分类号： G06Q40/08 , E03B7/071 , G05B15/02 , G06Q10/10 , G06Q30/0278 , G06Q50/16 , G06Q50/163 , G08B21/20 , G16Y10/50 , H04L12/2823 , H04L12/2827 , G05B2219/163 , G05B2219/2642 , G08B21/043 , G16Y40/10 , H04L12/2803
摘要： Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.
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公开(公告)号：US11954482B2
公开(公告)日：2024-04-09
申请号：US17963421
申请日：2022-10-11
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC分类号： B60W30/06 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/04 , B60W50/08 , B60W50/12 , B60W50/14 , B60W60/00 , B62D15/02 , G01C21/34 , G05D1/00 , G06F8/65 , G06Q30/0201 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/08 , G08B25/10 , G08G1/09 , G08G1/0962 , G08G1/14 , B60W50/00
CPC分类号： G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/082 , B60W50/12 , B60W50/14 , B60W60/0053 , B60W60/0059 , B60W60/007 , B62D15/0285 , G01C21/3407 , G05D1/0055 , G05D1/0214 , G05D1/0278 , G06Q30/0206 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10 , G08G1/091 , G08G1/0962 , G08G1/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0075 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2420/403 , B60W2540/043 , B60W2540/22 , B60W2540/221 , B60W2540/26 , B60W2556/45 , B60W2756/10 , B60W2900/00
摘要： According to certain aspects, a computer-implemented method for operating an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, an identity of a vehicle operator may be identified and a vehicle operator profile may be retrieved. Operating data regarding autonomous operation features operating the vehicle may be received from vehicle-mounted sensors. When a request to disable an autonomous feature is received, a risk level for the autonomous feature is determined and compared with a driver behavior setting for the autonomous feature stored in the vehicle operator profile. Based upon the risk level comparison, the autonomous vehicle retains control of vehicle or the autonomous feature is disengaged depending upon which is the safer driver—the autonomous vehicle or the vehicle human occupant. As a result, unsafe disengagement of self-driving functionality for autonomous vehicles may be alleviated. Insurance discounts may be provided for autonomous vehicles having this safety functionality.
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公开(公告)号：US11748085B2
公开(公告)日：2023-09-05
申请号：US17074397
申请日：2020-10-19
发明人： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC分类号： B60W40/08 , B60W50/14 , G05D1/00 , G06Q40/08 , G06F8/65 , B60W50/04 , B60W40/02 , G08G1/14 , G05D1/02 , B60W60/00 , G06Q30/0201 , B60K35/00 , G08G1/09 , G08G1/0962 , B60W10/04 , B60W30/06 , B62D15/02 , A61B5/02 , A61B5/00 , G01C21/34 , G08B25/10 , B60W40/09 , B60W50/12 , B60W50/02 , B60W30/09 , B60W30/095 , G06Q30/0207 , G07C5/02 , G07C5/08 , G06Q30/0217 , B60W50/00
CPC分类号： G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/12 , B60W50/14 , B60W60/0059 , B62D15/0285 , G01C21/3407 , G05D1/0055 , G05D1/0061 , G05D1/0088 , G05D1/0214 , G05D1/0278 , G06Q30/0206 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10 , G08G1/091 , G08G1/0962 , G08G1/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0075 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2540/043 , B60W2540/22 , B60W2540/26 , B60W2556/45 , B60W2900/00
摘要： Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, with the customer's permission, a vehicle operator in an autonomous or semi-autonomous vehicle may be determined by a sensor disposed within the autonomous or semi-autonomous vehicle or a mobile computing device associated with the vehicle operator. A determination may be made as to whether the vehicle operator is authorized to operate the vehicle based upon the determined identity of the vehicle operator; and if the vehicle operator is not authorized, an alert may be generated and/or the vehicle may be caused to not operate. Alternatively, autonomous operation features may be automatically engaged to automatically drive the autonomous or semi-autonomous vehicle to a safe location when the operator is not authorized. Insurance discounts may be provided based upon the anti-theft functionality.
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公开(公告)号：US11657459B1
公开(公告)日：2023-05-23
申请号：US16908512
申请日：2020-06-22
发明人： Daryoush Hakimi-Boushehri , Jackie O. Jordan, II , Shawn M. Call , John H. Weekes , Ronny S. Bryant , Jennifer Criswell Kellett , Todd Binion , Elisabeth McDermeit , John Donovan
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： Methods and systems for predictively generating an insurance claim in response to detecting an imminent insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store a first set of data received from smart devices disposed on, or proximate to, a property. This data may be analyzed to detect that an insurance-related event is imminent and calculate a likelihood that a property owner will file an insurance claim in response to damage caused by the imminent insurance-related event. If there is a sufficient likelihood that an insurance claim will be filed, the smart home controller or remote processor may store a second set of data received from the smart devices. Subsequently, according to certain aspects, the second set of data may be analyzed to prepopulate an automatically generated insurance claim with information detailing damage to the property caused by the insurance-related event.
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公开(公告)号：US20220292611A1
公开(公告)日：2022-09-15
申请号：US17828479
申请日：2022-05-31
发明人： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
摘要： Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.
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公开(公告)号：US20220261921A1
公开(公告)日：2022-08-18
申请号：US17737091
申请日：2022-05-05
发明人： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
摘要： Methods and systems for automatically mitigating risks of water damage to a property caused by insurance-related events are provided. A smart home controller and/or insurance provider remote processor may analyze data received from a smart device disposed on, within, or proximate to a property associated with monitoring water flow, as well as data received from an insurance provider. If it is determined that an actual or potential risk of water leakage exists, the smart home controller or remote processor may automatically issue commands to the smart device to take actions that mitigate the risk of water damage. The smart home controller may transmit information about the actual or potential water leakage risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data and perform insurance activities, such as providing a discount or premium, and/or adjusting an insurance policy associated with the property.
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公开(公告)号：US11379924B2
公开(公告)日：2022-07-05
申请号：US17077781
申请日：2020-10-22
发明人： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
摘要： Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.
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59.发明授权公开(公告)号：US11361387B1
公开(公告)日：2022-06-14
申请号：US16855944
申请日：2020-04-22
发明人： Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Ronny S. Bryant , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
摘要： Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication, whereby the plurality of devices are covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may receive identifications for the devices, and may update an inventory list to include the plurality of devices. A total market value of the devices may be calculated, and the central controller may estimate any modification to the insurance policy based upon the total market value. The controller may facilitate the modification to the insurance policy with a customer and an insurance provider. The smart devices may be, or be associated with, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.
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公开(公告)号：US11354748B1
公开(公告)日：2022-06-07
申请号：US14693057
申请日：2015-04-22
发明人： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
摘要： Methods and systems for automatically mitigating risks of water damage to a property caused by insurance-related events are provided. A smart home controller and/or insurance provider remote processor may analyze data received from a smart device disposed on, within, or proximate to a property associated with monitoring water flow, as well as data received from an insurance provider. If it is determined that an actual or potential risk of water leakage exists, the smart home controller or remote processor may automatically issue commands to the smart device to take actions that mitigate the risk of water damage. The smart home controller may transmit information about the actual or potential water leakage risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data and perform insurance activities, such as providing a discount or premium, and/or adjusting an insurance policy associated with the property.
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