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    Systems and methods for managing insurance premiums based upon peer-to-peer property sharing
    4.
    发明授权
    Systems and methods for managing insurance premiums based upon peer-to-peer property sharing 有权

    公开(公告)号：US11328363B1

    公开(公告)日：2022-05-10

    申请号：US16413245

    申请日：2019-05-15

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Joseph Robert Brannan ,  Ryan Michael Gross ,  Brian N. Harvey ,  Aaron Williams ,  J Lynn Wilson

    IPC: G06Q40/08 ,  G06Q30/04

    Abstract: A property sharing insurance management (“PSIM”) computing device for analyzing data from a property sharing platform to adjust insurance premiums for an offerer of a property may be provided. The PSIM computing device may include at least one processor programmed to (i) receive, from a data source, a plurality of property data, (ii) store the property data in a plurality of data records in a database, wherein each data record is associated with one property and stores the plurality of property data for that property, (iii) analyze the property data for the property, (iv) determine a percentage of time that the property is used for commercial purposes in an insurance billing cycle, and (v) process one or more adjusted insurance premiums for the offerer based upon the determined percentage of time that the property is used for commercial purposes in the insurance billing cycle.

    Systems And Methods Using A Mobile Device To Collect Data For Insurance Premiums
    5.
    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。

    SYSTEMS AND METHODS FOR MANAGING INSURANCE PREMIUMS BASED UPON PEER-TO-PEER PROPERTY SHARING
    10.
    发明申请
    SYSTEMS AND METHODS FOR MANAGING INSURANCE PREMIUMS BASED UPON PEER-TO-PEER PROPERTY SHARING 有权

    公开(公告)号：US20220261924A1

    公开(公告)日：2022-08-18

    申请号：US17739983

    申请日：2022-05-09

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Joseph Robert Brannan ,  Ryan Michael Gross ,  Brian N. Harvey ,  Aaron Williams ,  J Lynn Wilson

    IPC: G06Q40/08 ,  G06Q30/04

    Abstract: A computing device for analyzing data from a property sharing platform may be provided. The computing device may include a processor in communication with a memory device and the property sharing platform. The processor may be programmed to (i) receive a plurality of property data associated with commercial transactions of a plurality of properties, (ii) organize the received property data in a plurality of data records by date, (iii) identify patterns in the subset of property data for a selected property for a predetermined period of time, the patterns indicating when the selected property was used for commercial purposes during the predetermined period of time, and (iv) transmit content to a client device including the identified patterns and a percentage of time the selected property was used for commercial purposes during the predetermined period of time.

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