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公开(公告)号：US12154394B2
公开(公告)日：2024-11-26
申请号：US17141576
申请日：2021-01-05
Inventor： Eric Webster , Eric Dahl , Blake Konrardy
Abstract: Techniques for using dynamic comparison groups to assess driving safety are provided. Customizable comparison groups of vehicle operator's may be created based upon specific parameters. Drivers belonging to each specific comparison group may be ranked among one another based upon a comparison of telematics data that is associated with each vehicle, which may indicate various metrics associated with each driver's driving safety. By providing each driver's ranking within comparison groups, a gamified interface and user interaction is achieved, which promotes competition and acts as an incentive for the drivers to drive safer and avoid risk. Additional incentives may be provided in the form of automobile insurance premium discounts and recommendations for improving the driver's ranking.
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公开(公告)号：US20220309574A1
公开(公告)日：2022-09-29
申请号：US15890831
申请日：2018-02-07
Inventor： Eric Webster
Abstract: Techniques are disclosed to recognize and leverage a correlation between improved driving safety and lower financial risk. For drivers identified as being particularly safe, interest rates associated with various installment-based products (e.g., a vehicle loan) may be dynamically adjusted based upon each user's driving habits over time. To identify safe drivers, telematics data (e.g., acceleration, cornering, speed, and braking data) and other information may be collected identifying each user and providing an indication of driving safety, which may be represented as a numeric driving score. Each driver's numeric driving score may be used to identify safe drivers and, once identified, the techniques include adjusting interest rates and/or other installment-based program parameters by an amount that is based upon each driver's particular driving score.
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公开(公告)号：US11263834B1
公开(公告)日：2022-03-01
申请号：US15890876
申请日：2018-02-07
Inventor： Eric Webster
Abstract: Systems and methods for using a vehicle's relative speed to determine an automobile insurance risk assessment rating are provided. According to certain aspects, an average velocity may be calculated, either from real-time or historical telematics data, for a group of vehicles traveling in the same direction on a roadway. Additionally, an average velocity differential for a target vehicle may be determined based upon the average velocity of the group of vehicles. Moreover, based upon the average velocity differential, an automobile insurance risk assessment rating for an individual may be determined which may cause a change in the individual's automobile insurance premium. Further, recommendations on how to improve the individual's automobile insurance risk assessment rating may be provided to the user via the user interface of an electronic device associated with the individual.
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公开(公告)号：US20220012812A1
公开(公告)日：2022-01-13
申请号：US16853693
申请日：2020-04-20
Inventor： Leif Agerholm Roll , Eric Webster , Gregory Hayward , Craig Dean Isaacs
Abstract: Techniques for obtaining and/or maintaining insurance coverage include receiving customer information for customers including insurance policy preferences or characteristics for each customer. These techniques further include grouping the customers into affinity groups by generating a set of preferences or characteristics for each affinity group, comparing the insurance policy preferences or characteristics for each customer to the set of preferences or characteristics for each affinity group, and assigning a customer to an affinity group in response to determining that at least a threshold number of insurance policy preferences or characteristics for the customer matches the set of preferences or characteristics for the affinity group. For at least one affinity group, an insurance provider is selected for providing an insurance policy to each of the customers in the affinity group, and each of the customers in the affinity group is notified of the selected insurance provider and the premium.
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公开(公告)号：US11574368B1
公开(公告)日：2023-02-07
申请号：US16892500
申请日：2020-06-04
Inventor： Leif Agerholm Roll , Craig Dean Isaacs , Eric Webster , Gregory L. Hayward
Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.
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Patent Agency Ranking
公开(公告)号：US20220012811A1
公开(公告)日：2022-01-13
申请号：US16853691
申请日：2020-04-20
Inventor： Leif Agerholm Roll , Eric Webster , Gregory Hayward , Craig Dean Isaacs
Abstract: Techniques for obtaining and/or maintaining insurance coverage include receiving insurance policy preferences for a customer, storing the insurance policy preferences in a customer profile database, and using the insurance policy preferences to automatically obtain a first insurance policy from a first insurance provider, where the first insurance policy has (i) first policy features, and (ii) a first premium corresponding to a first policy term. Automatically obtaining the first insurance policy includes receiving, from each of a plurality of insurance provider computer systems associated with the plurality of respective insurance providers, a quote indicating one or more policy features corresponding to a policy term, selecting one of the quotes from the plurality of respective insurance providers based on the one or more policy features for the quote and the insurance policy preferences for the customer, and notifying the customer of the first insurance provider and the first premium.
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公开(公告)号：US20210125432A1
公开(公告)日：2021-04-29
申请号：US17141576
申请日：2021-01-05
Inventor： Eric Webster , Eric Dahl , Blake Konrardy
Abstract: Techniques for using dynamic comparison groups to assess driving safety are provided. Customizable comparison groups of vehicle operator's may be created based upon specific parameters. Drivers belonging to each specific comparison group may be ranked among one another based upon a comparison of telematics data that is associated with each vehicle, which may indicate various metrics associated with each driver's driving safety. By providing each driver's ranking within comparison groups, a gamified interface and user interaction is achieved, which promotes competition and acts as an incentive for the drivers to drive safer and avoid risk. Additional incentives may be provided in the form of automobile insurance premium discounts and recommendations for improving the driver's ranking.
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公开(公告)号：US20230143195A1
公开(公告)日：2023-05-11
申请号：US18150973
申请日：2023-01-06
Inventor： Leif Agerholm Roll , Craig Dean Isaacs , Eric Webster , Gregory L. Hayward
Abstract: A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.
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公开(公告)号：US20220148346A1
公开(公告)日：2022-05-12
申请号：US17581765
申请日：2022-01-21
Inventor： Eric Webster
Abstract: Systems and methods for using a vehicle's relative speed to determine an automobile insurance risk assessment rating are provided. According to certain aspects, an average velocity may be calculated, either from real-time or historical telematics data, for a group of vehicles traveling in the same direction on a roadway. Additionally, an average velocity differential for a target vehicle may be determined based upon the average velocity of the group of vehicles. Moreover, based upon the average velocity differential, an automobile insurance risk assessment rating for an individual may be determined which may cause a change in the individual's automobile insurance premium. Further, recommendations on how to improve the individual's automobile insurance risk assessment rating may be provided to the user via the user interface of an electronic device associated with the individual.
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公开(公告)号：US20220012813A1
公开(公告)日：2022-01-13
申请号：US16853704
申请日：2020-04-20
Inventor： Leif Agerholm Roll , Eric Webster , Gregory Hayward , Craig Dean Isaacs
Abstract: An intermediary entity may act on behalf of consumers to find Usage-Based Insurance (UBI) that best or optimally meet the consumers' UBI preferences and/or characteristics. Based upon an analysis of individual UBI consumer characteristics and/or preferences, each individual UBI consumer may be grouped with other UBI consumers having similar characteristics and/or UBI preferences. For at least one individual assigned a first UBI policy group or segment, intermediary entity may determine that a UBI preference or characteristic of the individual has changed, divide or segment the individual into a second UBI policy group or segment based on the changed UBI preference or characteristic, and update or provide a UBI policy for the individual associated with the second UBI policy group or segment.
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