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公开(公告)号：US20240221086A1
公开(公告)日：2024-07-04
申请号：US18466802
申请日：2023-09-13
发明人： Randall Martin Hanson , Joy Thomas , Eric Huls , Floyd Yager
IPC分类号： G06Q40/08 , G06F3/04842 , G06Q30/0283
CPC分类号： G06Q40/08 , G06F3/04842 , G06Q30/0283
摘要： Systems and computer-implemented methods for estimating a cost to repair a damaged item are provided. In some example implementations, an indication identifying a portion of the damaged item is received. A series of images are selected that depict increasing degrees of damage to a reference item at the portion identified, and the series of images are provided for presentation. An indication is received that identifies one of the images in the series of images that has been selected as best representing the damage to the portion of the damaged item identified. An estimated cost to repair the damaged item is generated based, at least in part, on the image selected.
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公开(公告)号：US11810196B1
公开(公告)日：2023-11-07
申请号：US16675430
申请日：2019-11-06
发明人： Alexander Doyle , Ryan Dunn , Cristina I. Gheorghe , Eric Huls , Michael A. Lavigne , David MacInnis , Christopher Joseph DeCleene
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.
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公开(公告)号：US11808604B2
公开(公告)日：2023-11-07
申请号：US17737401
申请日：2022-05-05
发明人： Jennifer A. Brandmaier , Jeffrey Fitzgerald , Eric Huls , Joseph Kleinhenz , William Loo , Matthew James Manzella , Philip Peter Ramirez
IPC分类号： G01C22/00
CPC分类号： G01C22/00
摘要： One or more devices in a data analysis computing system may be configured to receive and analyze movement data, and determine driving trips associated driving data based on the received movement data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and the like. One or more driving trips may be identified based on the movement data collected by the mobile devices, including acceleration data, speed data, and rotation rate data. After identifying a driving trip, the previously collected movement data and/or additional driving data may be analyzed to determine additional driving trip data, such as the driver, vehicle, and/or additional driving factors.
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公开(公告)号：US20230252575A1
公开(公告)日：2023-08-10
申请号：US17986032
申请日：2022-11-14
CPC分类号： G06Q40/08 , G07C5/0816 , G07C5/008
摘要： Telematics and external data relating to the real-time driving of a driver of a taxi vehicle may be collected and used to calculate a driving score. A telematics device installed in the taxi vehicle may collect vehicle data, trip data, and passenger data from one or more sensors. A computing device in communication with the telematics device may calculate a driving score for the taxi vehicle during a trip based on a type of vehicle, a type of trip, a number of miles driven during the trip, a duration of the trip, a number of passengers in the taxi vehicle during the trip, and a type of the passengers in the taxi vehicle during the trip. As one example, the driving score may be provided to an employer of a driver of the taxi vehicle.
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公开(公告)号：US11138669B1
公开(公告)日：2021-10-05
申请号：US14327222
申请日：2014-07-09
发明人： Alexander Doyle , Ryan Dunn , Cristina I. Gheorghe , Eric Huls , Michael A. LaVigne , David MacInnis , Christopher Joseph DeCleene
IPC分类号： G06Q40/08
摘要： A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.
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公开(公告)号：US10109014B1
公开(公告)日：2018-10-23
申请号：US14813741
申请日：2015-07-30
IPC分类号： G06Q40/08 , G06F17/30 , G07C5/00 , H04L29/08 , H04L12/815
摘要： Systems and methods involving a rating module that accesses a single, voluminous table or multiple tables stored in a searchable data store (e.g., database) to execute various queries (e.g., SQL JOIN) to search the table(s) is disclosed. The system may include—an underlying linear programming platform (e.g., optimization engine and associated components) that includes an application programmer's interface (e.g., Python API) that may be used to perform optimization using illustrative optimization libraries (e.g., optimizer). The system may be communicatively coupled with a vehicle and/or other device to communicate/output ratings information to a user.
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7.发明公开公开(公告)号：US20230316321A1
公开(公告)日：2023-10-05
申请号：US18132685
申请日：2023-04-10
IPC分类号： G06Q30/0226
CPC分类号： G06Q30/0226
摘要： A system and method are disclosed to promote good driving among users. A user-customizable good driving (GD) wish list may be created, populated, modified, and/or used to promote good driving. The GD wish list may be used in conjunction with a vehicle telematics unit (VTU) to monitor, process, detect, and/or record good driving events, and communicate and/or generate positive feedback for the user. In addition to positive feedback, good driving (GD) points may be accumulated based on driving behavior. The accumulated GD points may be used in conjunction with a product and/or service offering, such as by an insurance company. Furthermore, in some examples, the system encourages users to promote good driving behavior by pledging themselves to a challenging GD wish list that will earn them more GD points and the associated benefits.
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8.发明申请公开(公告)号：US20230070094A1
公开(公告)日：2023-03-09
申请号：US14561918
申请日：2014-12-05
发明人： Randall Martin Hanson , Joy Thomas , Eric Huls , Floyd Yager
摘要： Systems and methods for processing insurance claims are provided. A notice of loss associated with a damaged item and damage information describing the damage may be received. Repair cost data may be retrieved based on the damage information received. A repair cost model may be configured based on the damage information and the repair cost data and used to generate a repair cost for repairing the damaged item. A non-negotiable payment amount may be selected based on the repair cost generated and included in a work order along with the damage information. The work order may be transmitted to a repair service provider that accepted the terms of the work order. Feedback may be received from the repair service provider that indicates an actual cost to repair the damaged item, and the repair cost data may be updated based on the feedback received.
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公开(公告)号：US10733560B1
公开(公告)日：2020-08-04
申请号：US15963779
申请日：2018-04-26
发明人： Thomas Warden , Eric Huls
摘要： A system and method for evaluating, scoring, and encouraging group performance towards a common goal is disclosed. In an embodiment, individuals of a group have an incentive to encourage other group members to drive better and achieve an improved overall driving score for the group. A group driving score is determined based on the driving performances of members of the group. The group may establish a driving score goal and work toward achieving that goal using real-time group reinforcement communications.
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公开(公告)号：US10553042B1
公开(公告)日：2020-02-04
申请号：US16193133
申请日：2018-11-16
摘要： A driving analysis server may be configured to receive vehicle location data and/or operation data from one or more vehicle systems, identify driving trips and/or driving patterns based on the vehicle data, determine risk assessment values corresponding to the driving trips and driving patterns, and calculate driver scores based on the analyzed driving trip and driving pattern data. Destination locations may be identified for a vehicle's driving trips, and information relating to the destination locations may be retrieved and analyzed to determine risk factors and risk assessment values associated with driving to and from the destination, as well as parking at the destination. Specific driving trip types or purposes may be identified, and driving scores may be calculated based on the vehicle location and time data, including the risk factors, risk assessment values, and the determined trip types or purposes.
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