公开(公告)号：US11797931B1

公开(公告)日：2023-10-24

申请号：US17127441

申请日：2020-12-18

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Jody Ann Thoele ,  Joseph Robert Brannan ,  Eric R. Moore

IPC: G06Q10/04 ,  G06Q10/10 ,  G06Q40/08 ,  G06F16/29 ,  G06F16/245 ,  G06Q50/14 ,  G06Q30/0204 ,  G01C21/34 ,  G06Q10/047 ,  G06N20/00

CPC classification number: G06Q10/10 ,  G01C21/3484 ,  G06F16/245 ,  G06F16/29 ,  G06Q10/047 ,  G06Q30/0205 ,  G06Q40/08 ,  G06Q50/14 ,  G06N20/00

Abstract: An adaptive mapping (AM) computing device having at least one processor in communication with at least one memory device is provided. The AM computing device may be configured to retrieve a plurality of tasks associated with a user, and retrieve geographic mapping data. The AM computing device may also generate a route model based upon the retrieved plurality of tasks and the retrieved geographic mapping data. The AM computing device may execute the route model to determine an optimal route, and transmit, to the user, an optimized travel plan based upon the optimal route.

公开(公告)号：US20230206342A1

公开(公告)日：2023-06-29

申请号：US18173421

申请日：2023-02-23

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Jody Ann Thoele ,  Joseph Robert Brannan ,  Eric R. Moore

IPC: G06Q40/08 ,  G06Q10/10 ,  G06Q50/14 ,  G06Q50/26 ,  G09B19/00 ,  G06F3/0482 ,  G06Q50/30

CPC classification number: G06Q40/08 ,  G06Q10/10 ,  G06Q50/14 ,  G06Q50/26 ,  G09B19/00 ,  G06F3/0482 ,  G06Q50/30 ,  G06N20/00

Abstract: An on-demand insurance (ODI) server for generating dynamic user offerings may be provided. The ODI server may include at least one processor in communication with a memory device. The at least one processor may be programmed to (i) receive, from a user computing device associated with a user, an insurance policy request for a trip from a start location to an end location, (ii) determine at least one transportation mode available for the trip, (iii) access contextual data associated with the trip, (iv) assess a risk associated with the at least one transportation mode, (v) calculate a risk score associated with the at least one transportation mode based upon at least the contextual data, (vi) generate an insurance offering associated with the at least one transportation mode, and/or (vii) transmit the insurance offering in real time to the user computing device for purchase by the user.

公开(公告)号：US20230206341A1

公开(公告)日：2023-06-29

申请号：US18170800

申请日：2023-02-17

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Joseph Robert Brannan ,  Brian N. Harvey

IPC: G06Q40/08 ,  G06Q50/30 ,  G06Q10/20 ,  G06Q20/10 ,  G06Q40/02 ,  G07C5/00 ,  G06Q30/0207

CPC classification number: G06Q40/08 ,  G06Q10/20 ,  G06Q20/102 ,  G06Q30/0215 ,  G06Q40/02 ,  G06Q50/30 ,  G07C5/008

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.

公开(公告)号：US20230169547A1

公开(公告)日：2023-06-01

申请号：US18161699

申请日：2023-01-30

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Joseph Robert Brannan ,  Brian N. Harvey

IPC: G06Q30/0279 ,  G06N20/00 ,  G06Q30/0208 ,  H04W4/02 ,  H04W4/029

CPC classification number: G06Q30/0279 ,  G06N20/00 ,  G06Q30/0208 ,  H04W4/027 ,  H04W4/029

Abstract: A user analytics computing device for processing mobile device telematics data includes a processor in communication with a memory device. The processor is programmed to: (i) store a model to predict a travel mode for a user based upon historical telematics data, (ii) form a first group by assigning a user to the first group, (iii) receive telematics data associated with movement of the user, (iv) input the telematics data into the model to determine a travel mode of the user, (v) parse subsets of the telematics data based upon the determined travel modes, (vi) retrieve an eligibility condition defining eligibility to qualify for a user offering, (vii) aggregate one subset of the telematics data associated with the first travel mode of the user, (viii) determine that the group telematics data satisfies the eligibility condition, and (ix) cause a notification to be displayed on the mobile device of the user.

公开(公告)号：US20230121796A1

公开(公告)日：2023-04-20

申请号：US18066804

申请日：2022-12-15

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Joseph Robert Brannan ,  Brian N. Harvey

IPC: G06Q40/08 ,  G06Q50/30 ,  G06Q10/20 ,  G06Q20/10 ,  G06Q40/02 ,  G07C5/00 ,  G06Q30/0207

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.

公开(公告)号：US11587130B1

公开(公告)日：2023-02-21

申请号：US16780478

申请日：2020-02-03

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Ryan Michael Gross ,  Joseph Robert Brannan ,  Brian N. Harvey

IPC: G06Q30/02 ,  G06Q30/0279 ,  G06N20/00 ,  G06Q30/0208 ,  H04W4/02 ,  H04W4/029

Abstract: A user analytics computing device for processing mobile device telematics data and generating user offerings includes at least one processor in communication with a memory device. The processor is programmed to: (i) form a first group, (ii) receive first telematics data, (iii) parse subsets of the first telematics data, (iv) receive second telematics data, (v) parse subsets of the second telematics data, (vi) retrieve at least one eligibility condition that defines eligibility for the first group to qualify for a user offering, (vii) aggregate one subset of the first telematics data and one subset of the second telematics data associated into first group telematics data, (viii) determine whether the first group telematics data satisfies the at least one eligibility condition, and (ix) compare the first group telematics data to a plurality of other group telematics data to determine whether the first group has won the user offering.