中科微点-全球专利检索

  1. Login
  2. Sign Up

Search Results

37 records (took 0.022 seconds)

    System and method for determining and monitoring auto insurance incentives
    4.
    发明授权
    System and method for determining and monitoring auto insurance incentives 有权
    确定和监测汽车保险激励措施的制度和方法

    公开(公告)号：US09208525B2

    公开(公告)日：2015-12-08

    申请号：US14203356

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/00 ,  G06Q40/08 ,  B60Q1/00 ,  G07C5/00

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

    Abstract: 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.

    Abstract translation: 计算机系统或计算机实现的方法可以向保险客户提供激励以接收指示在策略期间降低风险和风险增加行为的传感器数据。 车载传感器或其他设备可以在策略术语期间收集有关车辆及其使用的信息，并将信息发送到后端系统进行分析。 基于该分析，后端系统可以确定所接收的信息表示降低风险或增加行为。 在确认信息指示减少风险或增加行为后，后端系统可以执行由一组规则定义的一个或多个动作，以对与该行为相对应的客户建立激励或抑制。

    Adjusting Insurance Policies Based on Common Driving Routes and Other Risk Factors
    5.
    发明申请
    Adjusting Insurance Policies Based on Common Driving Routes and Other Risk Factors 审中-公开
    基于共同驾驶路线和其他风险因素调整保险政策

    公开(公告)号：US20140257869A1

    公开(公告)日：2014-09-11

    申请号：US14203143

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Steven Cielocha ,  Scott Thomas Christensen ,  Gregory Hayward ,  Christopher E. Gay

    IPC: G06Q40/08

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

    Abstract: A computer implemented method for providing insurance comprises receiving a plurality of vehicle data including a start point, an end point and a frequency value. The method further comprises analyzing the plurality of vehicle data to determine a driving route associated with the vehicle. The method also comprises determining, based on the frequency value, that the driving route is a common driving route and a risk level of the common driving route. The method further comprises processing one or more insurance options, including pricing and underwriting, based at least in part on the risk level of the common driving route.

    Abstract translation: 一种用于提供保险的计算机实现方法包括接收包括起始点，终点和频率值的多个车辆数据。 该方法还包括分析多个车辆数据以确定与车辆相关联的驾驶路线。 该方法还包括基于频率值确定驾驶路线是公共驾驶路线和公共驾驶路线的风险水平。 该方法还包括至少部分地基于公共驾驶路线的风险水平来处理一个或多个保险期权，包括定价和承保。

    SYSTEMS AND METHODS FOR ANALYZING VEHICLE OPERATION DATA TO FACILITATE INSURANCE POLICY
    9.
    发明申请
    SYSTEMS AND METHODS FOR ANALYZING VEHICLE OPERATION DATA TO FACILITATE INSURANCE POLICY 审中-公开
    车辆操作数据分析保障政策的系统与方法

    公开(公告)号：US20140310028A1

    公开(公告)日：2014-10-16

    申请号：US14314822

    申请日：2014-06-25

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Scott T. Christensen ,  Christopher E. Gay ,  Gregory Hayward ,  Steven C. Cielocha ,  Todd Binion

    IPC: G06Q40/08

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

    Abstract: Methods and systems for leveraging a plurality of sensor devices distributed in a geographical area to monitor vehicle usage for assessing, pricing, and provisioning distance-based vehicle insurance. One or more sensor devices may capture information associated with a vehicle and communicate the information to an insurance provider. In aspects, the insurance provider may analyze the information to determine a distance that the vehicle travels within a particular time period. Further, the insurance provider may determine a vehicle usage unit based on the distance traveled as well as provide various insurance coverage types to a customer associated with the vehicle. Based on a selected coverage type, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle usage units and may facilitate a purchase transaction with the customer for the insurance policy.

    Abstract translation: 用于利用分布在地理区域中的多个传感器装置来监测用于评估，定价和提供基于距离的车辆保险的车辆使用的方法和系统。 一个或多个传感器设备可以捕获与车辆相关的信息并将信息传送给保险提供者。 在方面，保险提供者可以分析信息以确定车辆在特定时间段内行驶的距离。 此外，保险提供者可以基于所行驶的距离来确定车辆使用单元，并且向与车辆相关联的顾客提供各种保险范围类型。 基于所选择的覆盖类型，保险提供者可以为具有车辆使用单位的数量的策略生成保险报价，并且可以促进与客户的保险单的购买交易。

    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes
    10.
    发明申请
    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes 有权
    车辆图像和声音数据收集保险等级目的

    公开(公告)号：US20140257872A1

    公开(公告)日：2014-09-11

    申请号：US14203344

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/08

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

    Abstract: A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.

    Abstract translation: 方法和计算机系统向保单持有人提供车辆保险承保和评级。 该方法和系统从策略持有者接收与车辆相关联的捕获的传感器数据。 例如，捕获的传感器数据可以包括车辆图像和声音数据。 方法和系统可以将接收到的数据与基线数据进行比较，以确定车辆的运行状况。 至少部分地基于车辆的确定的运行状况，该方法和系统可以识别车辆的损失风险。 方法和系统可以至少部分地基于所识别的损失风险来确定车辆的保险费，并向保单持有人提供确定的保险费。 在一些实施例中，传感器数据是由用户的移动电话捕获的图像和声音数据。

Patent Agency Ranking