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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, Devices and Systems for Automatically Triggering Data Collection Events and Collecting Insurance Rating Data
    3.
    发明申请
    Methods, Devices and Systems for Automatically Triggering Data Collection Events and Collecting Insurance Rating Data 有权
    用于自动触发数据收集事件和收集保险等级数据的方法，设备和系统

    公开(公告)号：US20150039349A1

    公开(公告)日：2015-02-05

    申请号：US14156958

    申请日：2014-01-16

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Mark E. Clauss ,  Richard J. Lovings ,  David W. Thurber

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  H04M1/72519 ,  H04W4/80 ,  H04W8/08

    Abstract: The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a battery powered Bluetooth device may be attached to a personal item of an insured individual. The Bluetooth device may automatically trigger a mobile telephone to begin storing data related to use of the personal item when the mobile telephone is proximate the Bluetooth device. The mobile telephone may periodically transmit the stored data to a remote server.

    Abstract translation: 本公开的装置，方法，系统和计算机可读介质提供用于保险评级目的的自动数据收集。 特别地，电池供电的蓝牙设备可以附接到被保险人的个人物品。 当移动电话靠近蓝牙设备时，蓝牙设备可以自动地触发移动电话开始存储与使用个人物品有关的数据。 移动电话可以周期地将存储的数据发送到远程服务器。

    Systems and methods for communicating with an electric vehicle
    4.
    发明授权
    Systems and methods for communicating with an electric vehicle 有权

    公开(公告)号：US11170446B1

    公开(公告)日：2021-11-09

    申请号：US14839002

    申请日：2015-08-28

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： David W. Thurber

    IPC: G06Q40/08 ,  B60L53/00

    Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.

    Split sensing method
    6.
    发明授权
    Split sensing method 有权

    公开(公告)号：US10600126B1

    公开(公告)日：2020-03-24

    申请号：US15782382

    申请日：2017-10-12

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Nicholas R. Baker ,  David W. Thurber ,  Paul Christopher Rutkowski ,  Benjamin F. Bowne

    IPC: G06Q40/08 ,  G07C5/00

    Abstract: Client side and server side methods for combining data originating from an On Board Diagnostics (OBD) cap with data originating from a client computing device are presented. The method includes receiving, from a client computing device via a computer network, a plurality of OBD cap data originating from an OBD cap and receiving, from the client computing device via the computer network, a plurality of client computing device data originating from the client computing device. The method also includes selecting, at a processor, a first data parameter from the plurality of OBD cap data and selecting, at the processor, a second data parameter from the plurality of client computing device data. The method further includes analyzing, at the processor, the first data parameter and the second data parameter and flagging, at the processor, an insurance account associated with the OBD device as a result of the analysis.

    System and method to monitor and alert vehicle operator of impairment
    8.
    发明授权
    System and method to monitor and alert vehicle operator of impairment 有权

    公开(公告)号：US10118488B1

    公开(公告)日：2018-11-06

    申请号：US15981388

    申请日：2018-05-16

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Matthew Eric Riley, Sr. ,  Gregory Dwayne Carter ,  James M. Freeman ,  Vaidya Balasubramanian Pillai ,  Jason Chang ,  David W. Thurber

    IPC: G08B23/00 ,  B60K28/06 ,  B60W40/08

    Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

    Split sensing method
    9.
    发明授权
    Split sensing method 有权

    公开(公告)号：US09830662B1

    公开(公告)日：2017-11-28

    申请号：US14215789

    申请日：2014-03-17

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Nicholas R. Baker ,  David W. Thurber ,  Paul Christopher Rutkowski ,  Benjamin F. Bowne

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

    CPC classification number: G06Q40/08 ,  G07C5/008

    Abstract: Client side and server side methods for combining data originating from an On Board Diagnostics (OBD) cap with data originating from a client computing device are presented. The method includes receiving, from a client computing device via a computer network, a plurality of OBD cap data originating from an OBD cap and receiving, from the client computing device via the computer network, a plurality of client computing device data originating from the client computing device. The method also includes selecting, at a processor, a first data parameter from the plurality of OBD cap data and selecting, at the processor, a second data parameter from the plurality of client computing device data. The method further includes analyzing, at the processor, the first data parameter and the second data parameter and flagging, at the processor, an insurance account associated with the OBD device as a result of the analysis.

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