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    Systems And Methods Using A Mobile Device To Collect Data For Insurance Premiums
    2.
    发明申请
    Systems And Methods Using A Mobile Device To Collect Data For Insurance Premiums 审中-公开
    使用移动设备收集保险费用数据的系统和方法

    公开(公告)号：US20150170289A1

    公开(公告)日：2015-06-18

    申请号：US14630738

    申请日：2015-02-25

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

    IPC: G06Q40/08 ,  G07C5/08 ,  G01S19/13

    CPC classification number: G06Q40/08 ,  B60W40/09 ,  G01C21/3676 ,  G01C21/3697 ,  G01S19/13 ,  G06Q10/0639 ,  G06Q10/0833 ,  G06Q30/0283 ,  G06Q40/04 ,  G07C5/008 ,  G07C5/08 ,  G07C5/0858 ,  H04L67/12 ,  H04W4/026 ,  H04W4/046

    Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

    Abstract translation: 一种用于至少部分地基于收集的车辆操作数据来确定一段时间的车辆保险费的系统和方法，所述系统包括：移动设备，包括：与所述移动设备相关联并被配置为自动收集的一个或多个传感器 数据采集​​期间的车辆操作数据; 处理器 非暂时性存储介质; 一个显示器 发射机 以及一组存储在非暂时性存储介质中的计算机可读指令，并且当被处理器执行时被配置为允许移动设备收集车辆操作数据并发送所收集的车辆操作数据; 以及远程处理计算机，包括：服务器，其接收收集的车辆操作数据; 存储收集的车辆操作数据的数据库; 以及评级引擎，其至少部分地基于收集的车辆操作数据来确定车辆保险费。

    Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer
    5.
    发明申请
    Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer 审中-公开
    使用移动设备向远程计算机提供保险费数据的方法

    公开(公告)号：US20150170290A1

    公开(公告)日：2015-06-18

    申请号：US14630808

    申请日：2015-02-25

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J. Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

    IPC: G06Q40/08

    Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

    Abstract translation: 一种用于至少部分地基于收集的车辆操作数据向远程计算机或服务器提供车辆操作数据一段时间的计算车辆保险费的方法，其中所述方法包括以下步骤：经由移动站收集车辆操作数据 所述移动设备与操作车辆相关联，其中所述车辆操作数据具有保险风险预测能力; 以及将所收集的车辆操作数据从所述移动设备发送到远程计算机。 远程计算机或服务器接收收集的车辆操作数据，将收集的车辆操作数据存储在数据库中，至少部分地基于收集的车辆操作数据，经由评级引擎来确定车辆保险费。

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