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256 条记录 (耗时 0.042 秒)

    Autonomous communication feature use
    81.
    发明授权
    Autonomous communication feature use 有权

    公开(公告)号：US10181161B1

    公开(公告)日：2019-01-15

    申请号：US14713194

    申请日：2015-05-15

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Blake Konrardy ,  Scott T. Christensen ,  Gregory Hayward ,  Scott Farris

    IPC分类号： G06Q40/08

    摘要： Methods and systems for determining collision risk associated with operation of autonomous vehicles using autonomous communication are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including features associated with autonomous communication between vehicles or with infrastructure. This information may be used to determine collision risk levels for a plurality of features, which may be based upon test data regarding the features or actual collision data. Expected use levels and autonomous communication levels may further be determined and used with the collision risk levels to determine a total collision risk level associated with operation of the vehicle. The autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication.

    System and method for determining and monitoring auto insurance incentives
    82.
    发明授权
    System and method for determining and monitoring auto insurance incentives 有权

    公开(公告)号：US10176530B1

    公开(公告)日：2019-01-08

    申请号：US15443936

    申请日：2017-02-27

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Gregory Hayward ,  Scott T. Christensen ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

    IPC分类号： G06Q40/08 ,  G07C5/00 ,  G06Q30/02

    摘要： A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

    Autonomous vehicle refueling
    84.
    发明授权
    Autonomous vehicle refueling 有权

    公开(公告)号：US10042359B1

    公开(公告)日：2018-08-07

    申请号：US15413796

    申请日：2017-01-24

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Blake Konrardy ,  Scott T. Christensen ,  Gregory Hayward ,  Scott Farris

    IPC分类号： G01C22/00 ,  G05D1/00 ,  G01C21/34

    摘要： Methods and systems for autonomous vehicle recharging or refueling are disclosed. Autonomous vehicles may be automatically refueled by routing the vehicles to available fueling stations when not in operation, according to methods described herein. A fuel level within a tank of an autonomous vehicle may be monitored until it reaches a refueling threshold, at which point an on-board computer may generate a predicted use profile for the vehicle. Based upon the predicted use profile, a time and location for the vehicle to refuel the vehicle may be determined. In some embodiments, the vehicle may be controlled to automatically travel to a fueling station, refill a fuel tank, and return to its starting location in order to refuel when not in use.

    System and method for determining an indication of a location of a device in a vehicle
    86.
    发明授权
    System and method for determining an indication of a location of a device in a vehicle 有权
    用于确定车辆中的设备的位置的指示的系统和方法

    公开(公告)号：US09576322B1

    公开(公告)日：2017-02-21

    申请号：US14835415

    申请日：2015-08-25

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Scott T. Christensen

    IPC分类号： G06Q40/08 ,  H04W4/04

    CPC分类号： G06Q40/08 ,  G07C5/008 ,  G07C5/08 ,  H04W4/046

    摘要： A computer-implemented method for determining an indication of a location of a first device in a vehicle is presented, the first device being associated with a party in the vehicle. An indication of a direction of motion of the vehicle may be received. When a second device in the vehicle transmits a signal, an indication of a direction of orientation of the first device may be received. The indication of the direction of orientation may be affected by the transmitted signal, and may be determined using the first device. The indication of the location of the first device may be determined based on the indication of the direction of motion of the vehicle and the indication of the direction of orientation of the first device, and may indicate whether the first device is associated with a driver seat or a passenger seat, to facilitate insuring of the party.

    摘要翻译： 呈现用于确定车辆中的第一设备的位置的指示的计算机实现的方法，所述第一设备与车辆中的一方相关联。 可以接收车辆的运动方向的指示。 当车辆中的第二设备发送信号时，可以接收第一设备的取向方向的指示。 取向方向的指示可能受到发送信号的影响，并且可以使用第一设备来确定。 可以基于车辆的运动方向的指示和第一装置的取向方向的指示来确定第一装置的位置的指示，并且可以指示第一装置是否与驾驶员座椅相关联 或乘客座位，以方便派对的保险。

    SYSTEMS AND METHODS FOR PROCESSING VEHICLE INSURANCE BASED ON ACUITY TESTING PERFORMANCE
    87.
    发明申请
    SYSTEMS AND METHODS FOR PROCESSING VEHICLE INSURANCE BASED ON ACUITY TESTING PERFORMANCE 审中-公开
    基于能力测试性能处理车辆保险的系统和方法

    公开(公告)号：US20140257868A1

    公开(公告)日：2014-09-11

    申请号：US14203115

    申请日：2014-03-10

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Gregory Hayward ,  Scott T. Christensen ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

    IPC分类号： G06Q40/08

    CPC分类号： G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    摘要： Methods and systems for administering acuity assessments to customers who request vehicle insurance policies, and offering insurance policies based on customers' performances on the acuity assessments. In aspects, the vehicle insurance policies can cover various uses of the vehicle, where the policies may be distance- or time-based. The customer requests a vehicle insurance policy and an insurance provider provides a relevant acuity assessment to the customer for completion. The customer performs the acuity assessment and sends corresponding results, and the insurance provider determines the customer's performance. Based at least in part on the customer's performance, the insurance provider generates an insurance quote, which the customer may purchase.

    摘要翻译： 针对要求车辆保险的客户进行敏感性评估的方法和系统，根据客户的敏锐度评估表现提供保险单。 在这方面，车辆保险政策可以涵盖车辆的各种用途，其中政策可能是距离或时间的。 客户要求提供车辆保险单，保险提供者为客户提供相关的敏感性评估，以完成。 客户执行敏感性评估并发送相应的结果，保险提供商确定客户的表现。 至少部分地基于客户的表现，保险提供商生成客户可以购买的保险报价。

    SYSTEMS AND METHODS FOR NEGOTIATING THE PURCHASE OF A VEHICLE USING A CHATBOT
    88.
    发明公开
    SYSTEMS AND METHODS FOR NEGOTIATING THE PURCHASE OF A VEHICLE USING A CHATBOT 审中-公开

    公开(公告)号：US20240362692A1

    公开(公告)日：2024-10-31

    申请号：US18597514

    申请日：2024-03-06

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Aaron Williams ,  Scott T. Christensen ,  Joseph P. Harr ,  Ryan M. Gross

    IPC分类号： G06Q30/0601 ,  G06Q30/0283

    CPC分类号： G06Q30/0611 ,  G06Q30/0283

    摘要： A computer-implemented method may include, by one or more processors and/or associated transceivers: (1) detecting a signal that a buyer would like to purchase a vehicle, wherein the signal indicates a vehicle type of the vehicle; and/or (2) inputting the vehicle type into a generative artificial intelligence (AI) model. The generative AI model is trained on transactional data associated with vehicle purchases to learn a relationship between vehicle purchase terms and buyer characteristics, and is configured to: (i) identify one or more sellers of the vehicle type; (ii) establish a communication coupling with the one or more sellers of the vehicle type; (iii) automatically negotiate, with the one or more sellers, one or more terms for purchasing available vehicles of the vehicle type; and/or (iv) present the terms to the buyer to facilitate purchase of a particular vehicle of the available vehicles from a particular seller.