公开(公告)号：US20240338735A1

公开(公告)日：2024-10-10

申请号：US18631346

申请日：2024-04-10

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： John Mullins ,  Randy Oun ,  Phillip Michael Wilkowski ,  Sharon Gibson ,  Jason Goldfarb ,  Arsh Singh ,  Daniel Wilson ,  Michael P. Baran ,  Bryan Nussbaum ,  Anish Agarwal ,  Ronald Dean Nelson ,  Alexander Cardona ,  John Andrew Schirano ,  Christopher N. Kawakita ,  Daniel Wang ,  Amy L. Starr

IPC: G06Q30/02

CPC classification number: G06Q30/0278

Abstract: The following relates generally to determining and/or displaying home scores. In some embodiments, one or more processors: (1) identify an upgrade and/or service to a home; (2) determine a home score improvement that the upgrade and/or service would make for an overall home score, a home safety subscore, a fire protection subscore, a sustainability subscore, and/or a home automation subscore; and/or (3) display the home score improvement along with an indication of the upgrade and/or service on a display.

公开(公告)号：US12002108B2

公开(公告)日：2024-06-04

申请号：US17973108

申请日：2022-10-25

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Daniel Wilson ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Arsh Singh ,  Dustin Helland

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a first property; (2) determining, using a trained machine learning evaluation model, one or more home score factors based upon at least the home data; (3) generating, based upon the one or more home score factors, a home score for the first property; (4) retrieving past hazard data associated with a second property; and (5) generating based upon at least the past hazard data, a home modification recommendation.

公开(公告)号：US20230377070A1

公开(公告)日：2023-11-23

申请号：US18228158

申请日：2023-07-31

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Daniel Wilson ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Arsh Singh ,  Dustin Helland

IPC: G06Q50/16

CPC classification number: G06Q50/16

Abstract: Systems and methods are described for generating and/or displaying an overall home score for a property. The method may include: retrieving one or more attributes of a property; determining one or more home score factors from the attributes; generating an overall home score; generating a neighborhood score; and displaying the overall home score, the neighborhood score and/or a map.

公开(公告)号：US20230342869A1

公开(公告)日：2023-10-26

申请号：US17973099

申请日：2022-10-25

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Daniel Wilson ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Arsh Singh ,  Dustin Helland

IPC: G06Q50/16

CPC classification number: G06Q50/16

Abstract: Systems and methods are described for analyzing home data to generate a home score. The method may include: retrieving home data for a first property; determining that the first property shares home characteristics with a second property; retrieving past hazard data associated with the second property; determining, based upon at least the home data and the past hazard data, one or more first home score factors, wherein the determining includes: analyzing, using a trained machine learning data evaluation model, the home data to determine home characteristic data for the first property, determining second home score factors for the second property based at least upon the past hazard data, and determining, based upon the home characteristic data and the second home score factors, the one or more first home score factors; and generating, based upon the one or more first home score factors, a home score for the first property.

公开(公告)号：US20240338775A1

公开(公告)日：2024-10-10

申请号：US18631209

申请日：2024-04-10

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Mullins ,  Randy Oun ,  Phillip Michael Wilkowski ,  Sharon Gibson ,  Jason Goldfarb ,  Arsh Singh ,  Daniel Wilson ,  Michael P. Baran ,  Bryan Nussbaum ,  Anish Agarwal ,  Ronald Dean Nelson ,  Alexander Cardona ,  John Andrew Schirano ,  Christopher N. Kawakita ,  Daniel Wang ,  Amy L. Starr

IPC: G06Q40/08 ,  G06Q10/20

CPC classification number: G06Q40/08 ,  G06Q10/20

Abstract: The following relates generally to determining and/or displaying home scores. In some embodiments, one or more processors: (1) display, in a first portion of a display, identifying information of a home; and (2) display, in a second portion of the display: (a) an overall home score determined based upon a plurality of home subscores; (b) the plurality of home subscores comprising: a home safety subscore determined via a home safety subscore machine learning algorithm, a fire protection subscore determined via a fire protection subscore machine learning algorithm, a sustainability subscore determined via a sustainability subscore machine learning algorithm, and/or a home automation subscore determined via a home automation subscore machine learning algorithm; and (c) a relative home score comprising a comparison between the overall home score and scores of other homes.

公开(公告)号：US20230342868A1

公开(公告)日：2023-10-26

申请号：US17972261

申请日：2022-10-24

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Nicholas Carmelo Marotta ,  Daniel Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Jason Goldfarb

IPC: G06Q50/16

CPC classification number: G06Q50/16

Abstract: Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a property; (2) determining, based upon the home data for the property, one or more home score factors, wherein the determining may include: (i) analyzing, using a trained machine learning data evaluation model, the home data for the property to determine home characteristic data for the property, (ii) analyzing, using the trained machine learning data evaluation model, the home data for the property to determine a likelihood of loss associated with the property, and (iii) determining, based upon the home characteristic data for the property and the likelihood of loss associated with the property; and (3) generating, based upon the one or more home score factors, a home score for the property.

公开(公告)号：US20230342867A1

公开(公告)日：2023-10-26

申请号：US17816379

申请日：2022-07-29

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Nicholas Carmelo Marotta ,  Daniel Wilson ,  David Frank ,  Phillip Michael Wilkowski ,  Jason Goldfarb

IPC: G06Q50/16

CPC classification number: G06Q50/16

Abstract: Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a property; (2) determining, based upon the home data for the property, one or more home score factors, wherein the determining may include: (i) analyzing, using a trained machine learning data evaluation model, the home data for the property to determine home characteristic data for the property, (ii) analyzing, using the trained machine learning data evaluation model, the home data for the property to determine a likelihood of loss associated with the property, and (iii) determining, based upon the home characteristic data for the property and the likelihood of loss associated with the property; and (3) generating, based upon the one or more home score factors, a home score for the property.

公开(公告)号：US20240338896A1

公开(公告)日：2024-10-10

申请号：US18372573

申请日：2023-09-25

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Bryan Nussbaum ,  Alexander Cardona ,  Michael P. Baran ,  John Mullins ,  Randy Oun ,  Phillip M. Wilkowski ,  Sharon Gibson ,  Jason Goldfarb ,  Daniel Wilson ,  Arsh Singh ,  Ronald Dean Nelson ,  John Andrew Schirano ,  Chris Kawakita ,  Amy L. Starr

IPC: G06T19/00 ,  G06Q10/0875 ,  G06Q50/16

CPC classification number: G06T19/00 ,  G06Q10/0875 ,  G06Q50/16 ,  G06T2219/004

Abstract: Systems and methods disclosed herein relates generally to using virtual reality (VR) for creating a digital twin of a home. In some embodiments, image data of a structure and an indication of a modification may be received, a virtual reality (VR) feed including a virtual representation of the modification proximate the structure may be generated, and the VR feed may be provided for presentation to a user within a VR display.

公开(公告)号：US20240320755A1

公开(公告)日：2024-09-26

申请号：US18735558

申请日：2024-06-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Daniel Wilson ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Arsh Singh ,  Dustin Helland

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Systems and methods are described for generating and/or displaying an overall home score for a property. The method may include: retrieving one or more attributes of a property; determining one or more home score factors from the attributes; generating an overall home score; generating a neighborhood score; and displaying the overall home score, the neighborhood score and/or a map.

公开(公告)号：US20240273637A1

公开(公告)日：2024-08-15

申请号：US18643603

申请日：2024-04-23

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Sharon Gibson ,  Daniel Wilson ,  Phillip Michael Wilkowski ,  Jason Goldfarb ,  Arsh Singh ,  Dustin Helland

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Systems and methods are described for evaluating and gamifying maintenance for a property by a user. The method may include: (1) retrieving home data for a first property; (2) determining, using a first trained machine learning evaluation model, one or more home score factors based upon at least the home data; (3) generating, based upon the one or more home score factors, a home score for the first property; (4) determining, using a second trained machine learning evaluation model, that one or more additional properties are similar to the first property; (5) retrieving past hazard data associated with a second property of the one or more additional properties; and (6) generating, based upon at least the past hazard data and at least one of the one or more home score factors, a learning module for the first property.