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    Crash detection and severity classification system implementing emergency assistance
    2.
    发明授权
    Crash detection and severity classification system implementing emergency assistance 有权
    实施紧急援助的碰撞检测和严重性分类系统

    公开(公告)号：US09449495B1

    公开(公告)日：2016-09-20

    申请号：US14713330

    申请日：2015-05-15

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Shawn M. Call ,  Michael Jacob ,  Scott T. Christensen ,  Jackie O. Jordan, II ,  Gregory D. Carter ,  Shawn C. Bennett

    IPC分类号： B60Q1/00 ,  G08B25/10 ,  H04W4/22 ,  H04M11/04 ,  G06Q40/00

    CPC分类号： H04W4/90 ,  G07C5/008 ,  G08B21/0446 ,  G08B25/08 ,  G08B25/10 ,  G08G1/205 ,  H04W4/021 ,  H04W4/046

    摘要： A crash detection system is disclosed that utilizes a mobile computing device to detect a vehicular accident via one or more sensors integrated into the mobile computing device. The system monitors the sensor metrics measured by one or more sensors and generates an event sensor profile that may include the plurality of sensor metrics and additional status data, such as an indication of whether the mobile computing device was located within a vehicle when the event occurred. By comparing the plurality of sensor metrics to other crash sensor metrics, a determination may be made whether the event requires emergency assistance, which may be confirmed by determining whether the data included in the event sensor profile meets one or more exception conditions. If the event requires emergency assistance and an exception condition is not met, the mobile computing device may place a call to the appropriate emergency response personnel.

    摘要翻译： 公开了一种利用移动计算设备通过集成到移动计算设备中的一个或多个传感器来检测车辆事故的碰撞检测系统。 系统监视由一个或多个传感器测量的传感器度量，并且生成可包括多个传感器度量和附加状态数据的事件传感器简档，诸如当事件发生时移动计算设备是否位于车辆内的指示 。 通过将多个传感器度量与其他碰撞传感器度量进行比较，可以确定事件是否需要紧急援助，这可以通过确定包括在事件传感器简档中的数据是否满足一个或多个异常条件来确认。 如果事件需要紧急援助并且不满足例外条件，则移动计算设备可以拨打相应的紧急响应人员的呼叫。

    Alternative billing modes for security and automation applications
    6.
    发明授权
    Alternative billing modes for security and automation applications 有权
    安全和自动化应用的替代计费模式

    公开(公告)号：US08890680B2

    公开(公告)日：2014-11-18

    申请号：US13739470

    申请日：2013-01-11

    申请人： State Farm Mutual Automobile Insurance Company

    发明人： Andrew Reeser ,  Shawn M. Call ,  Stacy L. Kennedy ,  Lee C. Drinan ,  Lisa Ann Frey ,  Kevin Payne ,  Michael Jacob

    IPC分类号： G08B1/08 ,  H04Q1/30 ,  H04M11/04 ,  H04W24/00 ,  G06Q30/04

    CPC分类号： G08B25/008 ,  G06Q10/1095 ,  G06Q30/04 ,  G08B25/001 ,  H04M11/04 ,  H04W4/90 ,  H04W76/50

    摘要： A method and system facilitate the one or more operating modes for monitoring of an intelligent home system. The method and system facilitate the detection of an adverse condition in a building, the generation of an alert based on the detection of adverse condition, sending a notification to a user about the alert, asking the user how to respond to the alert via a message sent to a mobile device, and determining whether to send the alert to a central monitoring system to facilitate notification of an appropriate responder for the adverse condition. Determining whether to send the alert to the central monitoring system may be based on an affirmative command from the user or a failure to receive any command from the user. The user may be notified via at least one of a telephone call, text message, email, or application notification. The user may provide instructions to the method and system via at least one of a telephone call, text message, email, application command, or web script. The user may be billed for the service of notifying an appropriate responder provided by central monitoring system regularly, intermittently when the user is away from the building, or on a per-alert basis.

    摘要翻译： 一种方法和系统促进用于监视智能家庭系统的一种或多种操作模式。 该方法和系统有助于检测建筑物中的不利条件，基于不利条件的检测产生警报，向用户发送关于警报的通知，通过消息询问用户如何响应警报 发送到移动设备，并且确定是否将警报发送到中央监视系统以便于针对不利条件通知适当的响应者。 确定是否将警报发送到中央监控系统可以基于来自用户的肯定命令或者不能从用户接收任何命令。 可以通过电话呼叫，短信，电子邮件或应用通知中的至少一个通知用户。 用户可以通过电话呼叫，文本消息，电子邮件，应用命令或web脚本中的至少一个向方法和系统提供指令。 用户可以在用户离开建筑物时或间歇性地定期地，间歇地通知由中央监控系统提供的适当的响应者的服务。

    HOME SENSOR DATA GATHERING FOR INSURANCE RATING PURPOSES
    7.
    发明申请
    HOME SENSOR DATA GATHERING FOR INSURANCE RATING PURPOSES 审中-公开
    首页传感器数据保护用于保险等级目的

    公开(公告)号：US20140136242A1

    公开(公告)日：2014-05-15

    申请号：US13674582

    申请日：2012-11-12

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Jack Weekes ,  Andrew Reeser ,  Shawn M. Call ,  Stacy L. Kennedy ,  Lisa Ann Frey ,  Kevin Payne ,  Michael Jacob

    IPC分类号： G06Q40/08

    CPC分类号： G06Q40/08

    摘要： In a computer-implemented method of incentivizing low-loss behaviors, in-home data is received. The in-home data is generated by, or based on information generated by, a device located at a residence of an individual, and is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device. The method also includes determining, based on the received in-home data, an insurance premium adjustment for the individual, and providing an indication of the determined insurance premium adjustment.

    摘要翻译： 在计算机实现的低损失行为激励方法中，收到了家庭内部数据。 家庭内数据由位于个人住所的设备产生或基于由位于个人住所的设备生成的信息，并且指示以下中的一个或两个：（i）设备的利用和（ii）由 装置。 该方法还包括基于所接收的家庭内数据确定个人的保险费调整，并提供确定的保险费调整的指示。

    Automation and security application store suggestions based on claims data
    8.
    发明授权
    Automation and security application store suggestions based on claims data 有权
    基于声明数据的自动化和安全应用程序存储建议

    公开(公告)号：US08527306B1

    公开(公告)日：2013-09-03

    申请号：US13674730

    申请日：2012-11-12

    申请人： State Farm Mutual Automobile Insurance Company

    发明人： Andrew Reeser ,  Shawn M. Call ,  Stacy L. Kennedy ,  Lee C. Drinan ,  Lisa Ann Frey ,  Kevin Payne ,  Michael Jacob

    IPC分类号： G06Q40/00 ,  G06Q40/08

    CPC分类号： G06Q40/08

    摘要： A method, system, and computer-readable medium that facilitate the reception of usage data about the utilization of an intelligent home system and insurance claims data and recommend intelligent home system products based on the claims data. The method, system, and computer-readable medium facilitate the analysis of the claims data to determine whether to recommend intelligent home system products and which, if any, intelligent home system products to recommend. Recommendations may be generated by comparing a user's usage data to the claims data. Recommendations may be generated by comparing the usage data to products related to the claims submitted by one or more similar claimants in the claims data. Recommendations may be presented to a user if the intelligent home system.

    摘要翻译： 一种方法，系统和计算机可读介质，其便于接收关于智能家庭系统的使用的使用数据和保险索赔数据，并且基于权利要求数据推荐智能家庭系统产品。 方法，系统和计算机可读介质便于分析索赔数据，以确定是否推荐智能家庭系统产品以及哪些（如果有的话）智能家居系统产品推荐。 可以通过将用户的使用数据与权利要求数据进行比较来产生建议。 可以通过将使用数据与权利要求数据中的一个或多个相似的索赔人提交的权利要求相关的产品进行比较来产生建议。 智能家居系统可以向用户呈现建议。

    Alternative billing modes for security and automation applications
    10.
    发明授权
    Alternative billing modes for security and automation applications 有权
    安全和自动化应用的替代计费模式

    公开(公告)号：US09183578B1

    公开(公告)日：2015-11-10

    申请号：US14525607

    申请日：2014-10-28

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Andrew Reeser ,  Shawn M. Call ,  Stacy L. Kennedy ,  Lee C. Drinan ,  Lisa Ann Frey ,  Kevin Payne ,  Michael Jacob

    IPC分类号： G07F19/00 ,  H04M15/00 ,  G08B29/00 ,  G06Q30/04 ,  G08B25/00

    CPC分类号： G08B25/008 ,  G06Q10/1095 ,  G06Q30/04 ,  G08B25/001 ,  H04M11/04 ,  H04W4/90 ,  H04W76/50

    摘要： Techniques for facilitating one or more operating modes for monitoring of an intelligent home system are disclosed. The techniques facilitate detecting an adverse condition in a building, generating an alert based on the detection, sending a notification about the alert to a user (e.g., to a mobile device), awaiting a user response, and determining whether to send the alert to a central monitoring system to facilitate notification of an appropriate responder for the adverse condition. Determining whether to send the alert to the central monitoring system may be based on an affirmative command from the user or a failure to receive any command from the user. The user may be billed for the service of notifying an appropriate responder provided by central monitoring system regularly, intermittently when the user is away from the building, or on a per-alert basis.

    摘要翻译： 公开了一种用于智能家居系统监控的一种或多种操作模式的技术。 该技术有助于检测建筑物中的不利状况，基于检测产生警报，向用户（例如，移动设备）发送关于警报的通知，等待用户响应，以及确定是否将警报发送到 一个中央监测系统，以便于对不利条件通知适当的应急者。 确定是否将警报发送到中央监控系统可以基于来自用户的肯定命令或者不能从用户接收任何命令。 用户可以在用户离开建筑物时或间歇性地定期地，间歇地通知由中央监控系统提供的适当的响应者的服务。