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公开(公告)号：US11532187B1
公开(公告)日：2022-12-20
申请号：US16540545
申请日：2019-08-14
Inventor： 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
Abstract: 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, the operating status and/or configuration of autonomous operation features of an autonomous or semi-autonomous vehicle may be determined, such as via an on-board computer system or mobile device, and/or then directly or indirectly wirelessly communicated via data transmission from the vehicle computer system or mobile device to a remote server. An adjustment to one or more risk levels associated with operation of the autonomous or semi-autonomous vehicle may also be determined, and an auto insurance policy, premium, or discount may be adjusted based upon the adjustment to the risk levels and presented to the customer for their review and approval. As a result, insurance cost savings may be passed onto risk averse customers that opt into to a rewards program.
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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
Inventor： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
Abstract: 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
Inventor： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
Abstract: 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：US20220245682A1
公开(公告)日：2022-08-04
申请号：US17723890
申请日：2022-04-19
Inventor： Todd Binion , Kelly S. Minter , Heidi Brown-McCreery , Michael Harris , Jeremy Myers , Brian M. Fields , Joe Harr
IPC: G06Q30/02
Abstract: A computer-implemented method includes receiving a vehicle condition query via a computer network and retrieving condition data corresponding to a vehicle from a vehicle condition database. Further, the method includes determining a condition of the vehicle based on a collective analysis of the condition data, where the condition of the vehicle includes a market value of the vehicle and an overall quality level of the vehicle, and receiving a geographic location of a computing device. Still further, the method includes generating a vehicle condition report, where the vehicle condition report includes an interactive image of a first set of one or more visual condition descriptors indicative of the condition of the vehicle. Moreover, the method includes customizing the vehicle condition report according to the climate associated with the geographic location for the computing device, and communicating the vehicle condition report to the second computing device.
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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
Inventor： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
Abstract: 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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Patent Agency Ranking
76.发明申请公开(公告)号：US20220198497A1
公开(公告)日：2022-06-23
申请号：US17691348
申请日：2022-03-10
Inventor： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steven J. Balbach , Brian Mark Fields , Kyle Pott
Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle. Based on the performance of the driver, the driver may qualify for a reward.
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77.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
Inventor： Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Ronny S. Bryant , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
Abstract: 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
Inventor： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
Abstract: 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：US20220156845A1
公开(公告)日：2022-05-19
申请号：US17592753
申请日：2022-02-04
Inventor： 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: G06Q40/08
Abstract: Methods and systems for homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, 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 may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.
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公开(公告)号：US11334926B1
公开(公告)日：2022-05-17
申请号：US16535345
申请日：2019-08-08
Inventor： Todd Binion , Kelly S. Minter , Heidi Brown-McCreery , Michael Harris , Jeremy Myers , Brian M. Fields , Joe Harr
IPC: G06Q30/02
Abstract: A computer-implemented method includes receiving a vehicle condition query via a computer network and retrieving condition data corresponding to a vehicle from a vehicle condition database. Further, the method includes determining a condition of the vehicle based on a collective analysis of the condition data, where the condition of the vehicle includes a market value of the vehicle and an overall quality level of the vehicle, and receiving a geographic location of a computing device. Still further, the method includes generating a vehicle condition report, where the vehicle condition report includes an interactive image of a first set of one or more visual condition descriptors indicative of the condition of the vehicle. Moreover, the method includes customizing the vehicle condition report according to the climate associated with the geographic location for the computing device, and communicating the vehicle condition report to the second computing device.
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