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公开(公告)号:US20100131303A1
公开(公告)日:2010-05-27
申请号:US12536999
申请日:2009-08-06
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC分类号: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: Systems and methods that customize insurance rates in real time to correspond to unique behavior/character traits of a user/driver. A rate adjustment component can interact with insurance companies that provide bids based on the contextual data—wherein, insurance costs can be dynamically adjusted, and the user/driver switched in real-time between such insurance companies (e.g., based on bids), to ensure obtaining optimum rates. A switching component can switch user/driver) to an insurance company that bids the best rate. Hence, during a trip the user/driver can actually be insured by various suppliers during different segments of such trip.
摘要翻译: 系统和方法可以实时定制保险费率,以对应用户/驱动程序的独特行为/特征。 费率调整组件可以与根据情境数据提供投标的保险公司进行互动,其中可以动态地调整保险成本,并且将这些保险公司之间的用户/司机(例如,基于出价)切换到 确保获得最佳速率。 交换组件可以切换用户/驱动程序)到投标最高速率的保险公司。 因此,在旅行期间,用户/司机实际上可以由不同供应商在这种行程的不同部分期间进行保险。
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公开(公告)号:US20100131300A1
公开(公告)日:2010-05-27
申请号:US12395342
申请日:2009-02-27
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Patrica Sue Murphy , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Patrica Sue Murphy , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC分类号: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: Real-time insurance rates can be generated and presented to a driver—as the rate changes, the change can be shown through an interface. Different factors can be evaluated and based upon a result of the evaluation, the rate can be determined. The determination can be performed locally at a vehicle as well as by an insurance company. A bidding process can be used where different insurance companies supply rates and a user or automated process selects the rate for use - the selected rate is conveyed upon the interface.
摘要翻译: 实时保险费率可以生成并提供给司机 - 随着费率的变化,变化可以通过界面显示。 可以评估不同因素,并根据评估结果,确定速率。 该决定可以在车辆以及保险公司在本地执行。 投标过程可以用于不同保险公司提供费率,用户或自动化流程选择使用率 - 所选择的费率在界面上传达。
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公开(公告)号:US20100131304A1
公开(公告)日:2010-05-27
申请号:US12547800
申请日:2009-08-26
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC分类号: G06Q40/00
CPC分类号: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: An on-board monitoring system in conjunction with a mobile device can be employed to gather real-time information regarding how a vehicle is being operated by the owner of the mobile device. The mobile device has information stored thereon that allows the user to be identified by the on-board monitoring system. The real-time information is forwarded to a remote insurance provider system that, based upon the gathered real-time information, determines an insurance rate. The determined insurance rate can be transmitted to the owner allowing them to see how their driving style is affecting their insurance rate and can adjust their driving style accordingly.
摘要翻译: 结合移动设备的车载监视系统可以用于收集关于车辆由移动设备的所有者如何操作的实时信息。 移动设备具有存储在其上的信息,其允许用户由车载监视系统识别。 将实时信息转发给远程保险提供者系统,根据收集的实时信息确定保险费率。 确定的保险费率可以发送给业主,让他们看到他们的驾驶风格如何影响他们的保险费率,并可以相应地调整他们的驾驶风格。
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公开(公告)号:US20140100892A1
公开(公告)日:2014-04-10
申请号:US14101208
申请日:2013-12-09
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC分类号: G06Q40/08
CPC分类号: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: Dynamic insurance rate adjustments are communicated to a vehicle operator in order to allow the vehicle operator to adjust various parameters before an actual change to an insurance rate is communicated to a service provider or trusted third party. The various parameters can be external parameters and/or internal parameters and further can include historical information, current information, and/or predicted information. Communicating the insurance rate adjustments provides for insurance visibility for both the operator and passengers of the vehicle. The insurance rate adjustment is communicated though a device located within a vehicle to enable perception by a vehicle occupant.
摘要翻译: 将动态保险费率调整通知给车辆操作者,以便允许车辆操作者在将保险费率的实际改变传送到服务提供商或受信任的第三方之前调整各种参数。 各种参数可以是外部参数和/或内部参数,并且还可以包括历史信息,当前信息和/或预测信息。 沟通保险费率调整为车辆的操作者和乘客提供保险可见性。 通过位于车辆内的装置来传送保险费率调整以使车辆乘客能够感知。
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公开(公告)号:US08484113B2
公开(公告)日:2013-07-09
申请号:US13529866
申请日:2012-06-21
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC分类号: G06Q40/00
CPC分类号: G06Q40/08 , G06Q30/0201 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0269 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.
摘要翻译: 提供了鼓励采用时间相关的定制保险福利的制度和方法。 保险福利提供者鼓励采用保险利益,以换取被保险实体经营特征的知识。 知识是从实体经营的被保险实体和环境中累积和收集的。 激励是至少部分通过基于可用知识的激励提供来实现的,所述知识与被保险实体的运营商相关联,而不是与实体本身相关联。 运营商可以规范交换知识的范围,并收到奖励和相关内容。 奖励报价可以用于提供足以满足当前或几乎当前运营状况的保险利益范围; 贴现实时或几乎实时的保险福利; 或补贴服务。 提供奖励措施至少部分可以通过其商业化或有针对性的广告通过现有知识的获利来提供。
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公开(公告)号:US20100131302A1
公开(公告)日:2010-05-27
申请号:US12498446
申请日:2009-07-07
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC分类号: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: Vertical insurance market specialization is provided where policies can be created based on granular information related to actual usage of an object. The information can be received in real time or near real time, and specific market definitions can be created based on the information. Insurance companies can bid on specific market definitions, and an owner of the object can select coverage. In cases of automobile insurance, route information or other sensed parameters (such as driving behavior) can be provided to define an insurance market for a specific driver. Allowing companies to bid on the specific instances allows for increased competition and lower cost than current blanket solutions.
摘要翻译: 提供垂直保险市场专业化,其中可以基于与实际使用对象相关的细粒度信息创建策略。 可以实时或接近实时地接收信息,并且可以基于该信息来创建具体的市场定义。 保险公司可以针对具体的市场定义进行投标,并且对象的所有者可以选择覆盖。 在汽车保险的情况下,可以提供路线信息或其他感测参数(如驾驶行为)来定义特定司机的保险市场。 允许公司针对具体实例进行竞标,从而增加竞争并降低成本,而不是现有的一体化解决方案。
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公开(公告)号:US20100131301A1
公开(公告)日:2010-05-27
申请号:US12490033
申请日:2009-06-23
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC分类号: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: Vertical insurance market specialization is provided where policies can be created based on granular information related to actual usage of an object. The information can be received in real time or near real time, and specific market definitions can be created based on the information. Insurance companies can bid on specific market definitions, and an owner of the object can select coverage. In cases of automobile insurance, route information or other sensed parameters (such as driving behavior) can be provided to define an insurance market for a specific driver. Allowing companies to bid on the specific instances allows for increased competition and lower cost than current blanket solutions.
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公开(公告)号:US20120259666A1
公开(公告)日:2012-10-11
申请号:US13529866
申请日:2012-06-21
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC分类号: G06Q40/08 , G06Q30/0201 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0269 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.
摘要翻译: 提供了鼓励采用时间相关的定制保险福利的制度和方法。 保险福利提供者鼓励采用保险利益,以换取被保险实体经营特征的知识。 知识是从实体经营的被保险实体和环境中累积和收集的。 激励是至少部分通过基于可用知识的激励提供来实现的,所述知识与被保险实体的运营商相关联,而不是与实体本身相关联。 运营商可以规范交换知识的范围,并收到奖励和相关内容。 奖励报价可以用于提供足以满足当前或几乎当前运营状况的保险利益范围; 贴现实时或几乎实时的保险福利; 或补贴服务。 提供奖励措施至少部分可以通过其商业化或有针对性的广告通过现有知识的获利来提供。
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公开(公告)号:US08255275B2
公开(公告)日:2012-08-28
申请号:US12624371
申请日:2009-11-23
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC分类号: G06Q90/00
CPC分类号: G06Q40/08 , G06Q30/0201 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0269 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.
摘要翻译: 提供了鼓励采用时间相关的定制保险福利的制度和方法。 保险福利提供者鼓励采用保险利益,以换取被保险实体经营特征的知识。 知识是从实体经营的被保险实体和环境中累积和收集的。 激励是至少部分通过基于可用知识的激励提供来实现的,所述知识与被保险实体的运营商相关联,而不是与实体本身相关联。 运营商可以规范交换知识的范围,并收到奖励和相关内容。 奖励报价可以用于提供足以满足当前或几乎当前运营状况的保险利益范围; 贴现实时或几乎实时的保险福利; 或补贴服务。 提供奖励措施至少部分可以通过其商业化或有针对性的广告通过现有知识的获利来提供。
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公开(公告)号:US20100131305A1
公开(公告)日:2010-05-27
申请号:US12612958
申请日:2009-11-05
申请人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
发明人: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC分类号: G06Q40/00
CPC分类号: G06Q40/08 , G06Q30/0201 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0269 , G06Q30/0273 , G06Q30/04 , G06Q30/06
摘要: Dynamic insurance rate adjustments are communicated to a vehicle operator in order to allow the vehicle operator to adjust various parameters before an actual change to an insurance rate is communicated to a service provider or trusted third party. The various parameters can be external parameters and/or internal parameters and further can include historical information, current information, and/or predicted information. Communicating the insurance rate adjustments provides for insurance visibility for both the operator and passengers of the vehicle. The insurance rate adjustment is communicated though a device located within a vehicle to enable perception by a vehicle occupant.
摘要翻译: 将动态保险费率调整通知给车辆操作者,以便允许车辆操作者在将保险费率的实际改变传送到服务提供商或受信任的第三方之前调整各种参数。 各种参数可以是外部参数和/或内部参数,并且还可以包括历史信息,当前信息和/或预测信息。 沟通保险费率调整为车辆的操作者和乘客提供保险可见性。 通过位于车辆内的装置来传送保险费率调整以使车辆乘客能够感知。
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