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    Systems and methods for processing damage to insured properties or structures
    1.
    发明授权
    Systems and methods for processing damage to insured properties or structures 有权

    公开(公告)号：US10572948B1

    公开(公告)日：2020-02-25

    申请号：US15614225

    申请日：2017-06-05

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Michael K. Cook ,  Jonathan Guidry ,  Jason O'Donnell ,  Tim G. Sanidas ,  Doug Dewey

    IPC: G06Q30/00 ,  G06Q40/08

    Abstract: Methods and systems for processing data associated with potential damage to a portion of the property. One or more sensors may be disposed in proximity to the portion of the property, where the one or more sensors are configured to sense physical force applied to the portion. A controller module calculates mechanical force data based on the sensor data and estimates an amount of damage to the portion of the property based on the mechanical force data. In some aspects, an insurance provider can use the estimated amount of damage to perform insurance coverage functionalities, estimate damage to additional properties, maintain a damage history for the property, and notify customers of suggested improvements to the property.

    SYSTEMS AND METHODS OF MONITORING AND ANALYZING MULTIMODAL TRANSPORTATION USAGE
    2.
    发明申请
    SYSTEMS AND METHODS OF MONITORING AND ANALYZING MULTIMODAL TRANSPORTATION USAGE 有权

    公开(公告)号：US20210063173A1

    公开(公告)日：2021-03-04

    申请号：US17095067

    申请日：2020-11-11

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Craig Cope ,  Kristopher Keith Gaudin ,  Ryan Gross ,  Melissa C. Miles ,  Jessica Lynn Shull ,  Michael K. Cook

    IPC: G01C21/34 ,  G06Q40/08

    Abstract: Systems and methods relating to usage of multimodal transportation systems are disclosed. Such systems and methods may identify available local transportation modes for a user, such as vehicle-sharing, ridesharing, rental vehicles, taxicabs, owned vehicles, or public transit options. The available transportation modes may be compared, and recommendations may be presented to the user. Routes may be identified, compared, or recommended to a user, and scheduling or ticket purchasing may be facilitated. With user permission, user transportation data may be collected via a smartphone to identify user transportation patterns and preferences, thereby improving recommendations regarding and assessment of user transportation. Information regarding risks or other relevant factors associated with various transportation modes may be assessed for a user based upon typical characteristics of user transportation choices over a plurality of transportation scenarios, which may be indicated by a user transportation profile.

    Systems and methods for modifying resources to manage loss events
    5.
    发明授权
    Systems and methods for modifying resources to manage loss events 有权
    用于修改资源以管理丢失事件的系统和方法

    公开(公告)号：US09552611B2

    公开(公告)日：2017-01-24

    申请号：US14094049

    申请日：2013-12-02

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Michael K. Cook

    IPC: G06Q40/00 ,  G06Q40/08 ,  G06Q30/06 ,  G06Q10/06 ,  G06Q30/02 ,  G06F17/30

    CPC classification number: G06Q40/08 ,  G06F17/30377 ,  G06F17/30566 ,  G06Q10/06 ,  G06Q10/06315 ,  G06Q10/0633 ,  G06Q30/0281 ,  G06Q30/0283 ,  G06Q30/0603

    Abstract: Methods and systems for modifying resources equipped to manage loss events and processing associated therewith based on an analysis of real-time data. An insurance provider can maintain historical data that indicates resources usage data for managing previously-occurring loss events. The insurance provider can receive real-time first-party and third-party loss event data from a variety of sources, the loss event data being associated with a recent or forecasted loss event. The insurance provider can compare the received loss event data to the historical data to determine that resources configured to manage insurance claim processing resulting from the loss event may need to be modified. In embodiments, the resources may be hardware or software resources, a workforce, physical goods or supplies, or other resources. The insurance provider can facilitate the appropriate resource modification by interfacing with various components and entities.

    Abstract translation: 基于对实时数据的分析，修改资源的方法和系统，用于管理与之相关的丢失事件和处理。 保险提供者可以维护指示用于管理先前发生的损失事件的资源使用数据的历史数据。 保险提供商可以从各种来源接收实时第一方和第三方损失事件数据，损失事件数据与最近或预测的损失事件相关联。 保险提供者可以将收到的损失事件数据与历史数据进行比较，以确定配置为管理由损失事件导致的保险索赔处理的资源可能需要修改。 在实施例中，资源可以是硬件或软件资源，劳动力，实体商品或用品或其他资源。 保险提供者可以通过与各种组件和实体进行接口来促进适当的资源修改。

    SYSTEMS AND METHODS FOR PROCESSING DAMAGE TO INSURED PROPERTIES OR STRUCTURES
    6.
    发明申请
    SYSTEMS AND METHODS FOR PROCESSING DAMAGE TO INSURED PROPERTIES OR STRUCTURES 有权
    用于处理损失以保护特性或结构的系统和方法

    公开(公告)号：US20150356686A1

    公开(公告)日：2015-12-10

    申请号：US14299721

    申请日：2014-06-09

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Michael K. Cook ,  Jonathan Guidry ,  Jason O'Donnell ,  Tim G. Sanidas ,  Doug Dewey

    IPC: G06Q40/08

    CPC classification number: G06Q40/08

    Abstract: Methods and systems for processing data associated with potential damage to a portion of the property. One or more sensors may be disposed in proximity to the portion of the property, where the one or more sensors are configured to sense physical force applied to the portion. A controller module calculates mechanical force data based on the sensor data and estimates an amount of damage to the portion of the property based on the mechanical force data. In some aspects, an insurance provider can use the estimated amount of damage to perform insurance coverage functionalities, estimate damage to additional properties, maintain a damage history for the property, and notify customers of suggested improvements to the property.

    Abstract translation: 用于处理与财产的一部分潜在损害相关的数据的方法和系统。 一个或多个传感器可以设置在属性的该部分附近，其中一个或多个传感器被配置为感测施加到该部分的物理力。 控制器模块基于传感器数据计算机械力数据，并且基于机械力数据估计对该部分属性的损坏量。 在某些方面，保险提供者可以使用估计的损失金额来执行保险覆盖功能，估计对附加财产的损害，维护财产损失的历史记录，并通知客户对财产的建议改进。

    SYSTEMS AND METHODS FOR MODIFYING RESOURCES TO MANAGE LOSS EVENTS
    7.
    发明申请
    SYSTEMS AND METHODS FOR MODIFYING RESOURCES TO MANAGE LOSS EVENTS 有权
    用于修改资源以管理损失事件的系统和方法

    公开(公告)号：US20150154709A1

    公开(公告)日：2015-06-04

    申请号：US14094049

    申请日：2013-12-02

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Michael K. Cook

    IPC: G06Q40/00

    CPC classification number: G06Q40/08 ,  G06F17/30377 ,  G06F17/30566 ,  G06Q10/06 ,  G06Q10/06315 ,  G06Q10/0633 ,  G06Q30/0281 ,  G06Q30/0283 ,  G06Q30/0603

    Abstract: Methods and systems for modifying resources equipped to manage loss events and processing associated therewith based on an analysis of real-time data. An insurance provider can maintain historical data that indicates resources usage data for managing previously-occurring loss events. The insurance provider can receive real-time first-party and third-party loss event data from a variety of sources, the loss event data being associated with a recent or forecasted loss event. The insurance provider can compare the received loss event data to the historical data to determine that resources configured to manage insurance claim processing resulting from the loss event may need to be modified. In embodiments, the resources may be hardware or software resources, a workforce, physical goods or supplies, or other resources. The insurance provider can facilitate the appropriate resource modification by interfacing with various components and entities.

    Abstract translation: 基于对实时数据的分析，修改资源的方法和系统，用于管理与之相关的丢失事件和处理。 保险提供者可以维护指示用于管理先前发生的损失事件的资源使用数据的历史数据。 保险提供商可以从各种来源接收实时第一方和第三方损失事件数据，损失事件数据与最近或预测的损失事件相关联。 保险提供者可以将收到的损失事件数据与历史数据进行比较，以确定配置为管理由损失事件导致的保险索赔处理的资源可能需要修改。 在实施例中，资源可以是硬件或软件资源，劳动力，实体商品或用品或其他资源。 保险提供者可以通过与各种组件和实体进行接口来促进适当的资源修改。

    Systems and methods for modifying resources to manage loss events
    9.
    发明授权
    Systems and methods for modifying resources to manage loss events 有权

    公开(公告)号：US10339604B1

    公开(公告)日：2019-07-02

    申请号：US15373571

    申请日：2016-12-09

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Michael K. Cook

    IPC: G06Q40/00 ,  G06Q40/08 ,  G06Q30/02 ,  G06Q10/06 ,  G06F16/25 ,  G06F16/23 ,  G06F16/2455

    Abstract: Methods and systems for modifying resources equipped to manage loss events and processing associated therewith based on an analysis of real-time data. An insurance provider can maintain historical data that indicates resources usage data for managing previously-occurring loss events. The insurance provider can receive real-time first-party and third-party loss event data from a variety of sources, the loss event data being associated with a recent or forecasted loss event. The insurance provider can compare the received loss event data to the historical data to determine that resources configured to manage insurance claim processing resulting from the loss event may need to be modified. In embodiments, the resources may be hardware or software resources, a workforce, physical goods or supplies, or other resources. The insurance provider can facilitate the appropriate resource modification by interfacing with various components and entities.

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