公开(公告)号：US11665247B2

公开(公告)日：2023-05-30

申请号：US17715934

申请日：2022-04-07

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Richard Simon ,  Richard Berglund ,  Erik Donahue ,  Joseph W. Norton ,  Vladyslava Matviyenko ,  Jeremy Lee Rambo ,  John M. VanAntwerp ,  Dan Kalmes ,  Burton J. Floyd ,  Thad Garrett Craft ,  Marc Anderson ,  Nick U. Christopulos ,  Patrick Mead

IPC: G06F15/16 ,  H04L67/51 ,  G06F16/9535

CPC classification number: H04L67/51 ,  G06F16/9535

Abstract: A computer-implemented method for retrieving information from information services and providing it to a public application programming interface (API) includes receiving a first request data message using a core discovery agent, the request data message including at least one requested datum, for which a value is sought, and at least one known datum, for which a value is known; calling a resource locator to request a location of an information service that provides a value for the requested datum; calling a resource façade to contact the information service; transmitting a first information service message including the requested datum and known datum from the resource façade to the information service; receiving a second information service message from the information service including a value for the requested datum; and transmitting a resolved data message including the requested datum and its value from the core discovery agent to the public API.

公开(公告)号：US20150149219A1

公开(公告)日：2015-05-28

申请号：US14589618

申请日：2015-01-05

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, SR. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08 ,  H04W4/04

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 ,  H04W4/40

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

公开(公告)号：US10304139B2

公开(公告)日：2019-05-28

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: G06Q40/00 ,  G06Q40/08 ,  G06Q10/06 ,  G06Q10/08 ,  B60W40/09 ,  G06Q40/04 ,  G07C5/08 ,  H04W4/04 ,  G01S19/13 ,  G06Q30/02 ,  G07C5/00 ,  H04W4/02 ,  G01C21/36 ,  H04L29/08

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.

公开(公告)号：US09865018B2

公开(公告)日：2018-01-09

申请号：US14589564

申请日：2015-01-05

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/00 ,  G06Q40/08 ,  G06Q10/06 ,  G06Q10/08 ,  B60W40/09 ,  G06Q40/04 ,  G07C5/08 ,  H04W4/04 ,  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.

公开(公告)号：US20220303355A1

公开(公告)日：2022-09-22

申请号：US17715934

申请日：2022-04-07

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Richard Simon ,  Jeremy Lee Rambo ,  John M. VanAntwerp ,  Dan Kalmes ,  Burton J. Floyd ,  Thad Garrett Craft ,  Marc Anderson ,  Nick U. Christopulos ,  Patrick Mead ,  Richard Berglund ,  Erik Donahue ,  Joseph W. Norton ,  Vladyslava Matviyenko

IPC: H04L67/51 ,  G06F16/9535

Abstract: A computer-implemented method for retrieving information from information services and providing it to a public application programming interface (API) includes receiving a first request data message using a core discovery agent, the request data message including at least one requested datum, for which a value is sought, and at least one known datum, for which a value is known; calling a resource locator to request a location of an information service that provides a value for the requested datum; calling a resource façade to contact the information service; transmitting a first information service message including the requested datum and known datum from the resource façade to the information service; receiving a second information service message from the information service including a value for the requested datum; and transmitting a resolved data message including the requested datum and its value from the core discovery agent to the public API.

公开(公告)号：US10536536B1

公开(公告)日：2020-01-14

申请号：US15808575

申请日：2017-11-09

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Richard Simon ,  Jeremy Lee Rambo ,  John M. VanAntwerp ,  Dan Kalmes ,  Burton J. Floyd ,  Thad Garrett Craft ,  Marc Anderson ,  Nick U. Christopulos ,  Patrick Mead ,  Richard Berglund ,  Erik Donahue ,  Joseph W. Norton ,  Vladyslava Matviyenko

IPC: H04L29/08 ,  G06F16/9535

Abstract: A computer-implemented method for retrieving information from information services and providing it to a public application programming interface (API) includes receiving a first request data message using a core discovery agent, the request data message including at least one requested datum, for which a value is sought, and at least one known datum, for which a value is known; calling a resource locator to request a location of an information service that provides a value for the requested datum; calling a resource façade to contact the information service; transmitting a first information service message including the requested datum and known datum from the resource façade to the information service; receiving a second information service message from the information service including a value for the requested datum; and transmitting a resolved data message including the requested datum and its value from the core discovery agent to the public API.

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。

公开(公告)号：US10977601B2

公开(公告)日：2021-04-13

申请号：US13659405

申请日：2012-10-24

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin Bowne ,  Nicholas R. Baker ,  Nick U. Christopulos ,  Bryan T. Wilkerson

IPC: G06Q10/08 ,  G06Q10/06

Abstract: A mobile device may include at least one sensor that detects a characteristic of the mobile device selected from distance traveled, location, time, and g-force dynamics; a processor; and a tangible non-transitory computer readable storage medium containing instructions that, when executed on by the processor, are programmed to automatically detect that a wireless connection has been established between the mobile device and a vehicle, and in response to detecting the wireless connection between the mobile device and the vehicle, automatically start collecting vehicle operation data via the at least one sensor. The mobile device may automatically stop collecting the vehicle operation data in response to the vehicle being turned off.

公开(公告)号：US10949925B2

公开(公告)日：2021-03-16

申请号：US15623171

申请日：2017-06-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08 ,  G06Q10/06 ,  G06Q10/08 ,  B60W40/09 ,  G06Q40/04 ,  G07C5/08 ,  G01S19/13 ,  G06Q30/02 ,  G07C5/00 ,  H04W4/02 ,  G01C21/36 ,  H04W4/40 ,  H04L29/08

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.

公开(公告)号：US10410288B2

公开(公告)日：2019-09-10

申请号：US14589618

申请日：2015-01-05

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08 ,  G06Q10/06 ,  G06Q10/08 ,  B60W40/09 ,  G06Q40/04 ,  G07C5/08 ,  H04W4/04 ,  G01S19/13 ,  G06Q30/02 ,  G07C5/00 ,  H04W4/02 ,  G01C21/36 ,  H04W4/40 ,  H04L29/08

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.