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公开(公告)号：US20240403596A1
公开(公告)日：2024-12-05
申请号：US18234458
申请日：2023-08-16
Inventor： Joseph Robert Brannan , Vicki King , Brian Mark Fields , Nathan L. Tofte
IPC: G06N3/006 , G06F40/284 , G06F40/58 , G06Q30/02 , G06Q40/08
Abstract: The following relates generally to artificial intelligence (AI)-based communication with an insurance customer. In some embodiments, one or more processors: receive, via a chatbot (or voicebot or other bot), a question in a first language; translate, via the chatbot, the question from the first language to a second language; determine, via the chatbot, an answer to the translated question, the answer being determined in the second language; translate, via the chatbot, the answer from the second language to the first language; and/or present, via the chatbot, the answer in the first language to an insurance customer.
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公开(公告)号：US20240403464A1
公开(公告)日：2024-12-05
申请号：US18327701
申请日：2023-06-01
Inventor： Satya Ravinuthala , Suresh Kumar Alluri
Abstract: Techniques for authenticated data retrieval and/or storage using masked credential data are described. In accordance with some of the techniques described herein, a method includes receiving a data retrieval request associated with accessing target data stored on a cloud storage platform; providing a credential data request associated with the data retrieval request and the cloud storage platform to a credential data management server; based on the credential data request, receiving credential data from the credential data management server; determining a field of a data retrieval script based on the credential data; and executing the data retrieval script based on the field, wherein executing the data retrieval script includes establishing an authenticated connection with the cloud storage platform and accessing the target data using the authenticated connection.
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公开(公告)号：US20240394802A1
公开(公告)日：2024-11-28
申请号：US18790658
申请日：2024-07-31
Inventor： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
IPC: G06Q40/08 , G06F16/182 , G06F16/29 , G06F16/903 , G06Q10/10 , H04L9/06 , H04L9/32 , H04L9/40
Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, in particular, utilizing evidence oracles as part of the subrogation process. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.
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公开(公告)号：US20240394593A1
公开(公告)日：2024-11-28
申请号：US18454731
申请日：2023-08-23
Inventor： Jose Ivan Gutierrez , Lauren Mitchell , Ross Wheeler , Steve Amancha , Anthony Welcome
IPC: G06N20/00
Abstract: Systems and methods disclosed herein relate to fine-tuning machine learning (ML) chatbots for an enterprise. The systems and methods may use ML chatbots and/or generative ML to provide information to a user based upon the user's interaction at a portal of an enterprise. The systems and methods may fine-tune a base ML model, and use the fine-tuned ML model for the ML chatbot. The user's interactions may be classified as a type of user activity. A fine-tuned ML model may be loaded as the ML chatbot based upon the type of user activity.
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公开(公告)号：US20240394038A1
公开(公告)日：2024-11-28
申请号：US18791961
申请日：2024-08-01
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen A. Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: G06F8/65 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/00 , B60W50/02 , B60W50/04 , B60W50/08 , B60W50/12 , B60W50/14 , B60W60/00 , B62D15/02 , G01C21/34 , G05D1/248 , G05D1/617 , G06Q30/0201 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/08 , G08B25/10 , G08G1/09 , G08G1/0962 , G08G1/14
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for an autonomous or semi-autonomous vehicle may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of the vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.
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Patent Agency Ranking
公开(公告)号：US20240391464A1
公开(公告)日：2024-11-28
申请号：US17088434
申请日：2020-11-03
Inventor： Alexander Cardona , Kip Wilson , David Frank , Phillip Michael Wilkowski , Nolan White
IPC: B60W30/182 , G06N20/00 , H04W4/44
Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.
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公开(公告)号：US20240391433A1
公开(公告)日：2024-11-28
申请号：US18798238
申请日：2024-08-08
Inventor： Kristopher Keith Gaudin , Roxane Lyons , William J. Leise , John A. Nepomuceno , Rajiv C. Shah , Edward P. Matesevac, III , Jennifer Criswell Kellett , Jeremy Myers , Matthew S. Megyese , Leo Nelson Chan , Steven Cielocha , Jennifer L. Crawford
IPC: B60T8/172 , B60T8/17 , B60T8/1755 , B60W40/06 , B60W50/14 , F16H59/66 , G01N19/02 , G01W1/10 , G06T7/41
Abstract: Systems and methods are disclosed for estimating slipperiness of a road surface. This estimate may be obtained using an image sensor mounted on a vehicle. The estimated road slipperiness may be utilized when calculating a risk index for the road, or for an area including the road. If a predetermined threshold for slipperiness is exceeded, corrective actions may be taken. For instance, warnings may be generated to human drivers that are in control of driving vehicle, and autonomous vehicles may automatically adjust vehicle speed based upon road slipperiness detected.
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公开(公告)号：US12154670B2
公开(公告)日：2024-11-26
申请号：US18099620
申请日：2023-01-20
Inventor： Eric Allyn Finley , Jennifer L. Crawford , Corin Rebekah Chapman , Edward W. Breitweiser , Gregory Wong
IPC: G08B21/22 , B60S5/00 , G06T7/20 , G06T11/00 , G06V20/20 , G07C5/08 , G08B21/04 , G08B21/18 , G08B31/00 , G16H20/00 , G16H40/67 , G16H50/20
Abstract: Techniques for generating alerts related to unsafe/unhealthy home conditions may include monitoring sensor data associated with a home environment over a period of time; analyzing the sensor data associated over the period in order to identify an unsafe/unhealthy condition associated with the home environment over the period; obtaining sensor data associated with a resident of the home environment over the period; determining that the resident of the home environment is not physically present at the home environment over the period; upon identifying an unsafe/unhealthy condition associated with the home environment over the period and determining that the resident of the home environment is not physically present at the home environment over the period, generating an alert indicating the identified unsafe or unhealthy condition associated with the home environment over the period; and transmitting the alert to a computing device associated with the resident of the home environment.
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69.发明授权公开(公告)号：US12154177B2
公开(公告)日：2024-11-26
申请号：US18213162
申请日：2023-06-22
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08 , B64C39/02 , B64D47/08 , G01C11/02 , G06F18/22 , G06Q40/00 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/73 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , G06V20/40 , H04N5/44 , H04N7/18 , B64U10/00 , B64U101/00 , B64U101/30
Abstract: Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.
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公开(公告)号：US12151644B2
公开(公告)日：2024-11-26
申请号：US18117585
申请日：2023-03-06
Inventor： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Douglas Albert Graff , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.
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