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公开(公告)号：US20240394038A1
公开(公告)日：2024-11-28
申请号：US18791961
申请日：2024-08-01
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen A. Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: G06F8/65 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/00 , B60W50/02 , B60W50/04 , B60W50/08 , B60W50/12 , B60W50/14 , B60W60/00 , B62D15/02 , G01C21/34 , G05D1/248 , G05D1/617 , G06Q30/0201 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/08 , G08B25/10 , G08G1/09 , G08G1/0962 , G08G1/14
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for an autonomous or semi-autonomous vehicle may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of the vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.
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公开(公告)号：US12086583B2
公开(公告)日：2024-09-10
申请号：US17847444
申请日：2022-06-23
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen A. Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: G06Q40/08 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/04 , B60W50/08 , B60W50/12 , B60W50/14 , B60W60/00 , B62D15/02 , G01C21/34 , G05D1/00 , G05D1/248 , G05D1/617 , G06F8/65 , G06Q30/0201 , G06Q30/0207 , G06Q30/0217 , G07C5/02 , G07C5/08 , G08B25/10 , G08G1/09 , G08G1/0962 , G08G1/14 , B60W50/00
CPC classification number: G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/082 , B60W50/12 , B60W50/14 , B60W60/0053 , B60W60/0059 , B60W60/007 , B62D15/0285 , G01C21/3407 , G05D1/0055 , G05D1/0214 , G05D1/0278 , G05D1/248 , G05D1/617 , G06Q30/0206 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10 , G08G1/091 , G08G1/0962 , G08G1/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0075 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2420/403 , B60W2540/043 , B60W2540/22 , B60W2540/221 , B60W2540/26 , B60W2556/45 , B60W2756/10 , B60W2900/00
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for autonomous or semi-autonomous vehicles may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of an autonomous or semi-autonomous vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.
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公开(公告)号：US11875366B2
公开(公告)日：2024-01-16
申请号：US17203412
申请日：2021-03-16
Inventor： Leo Nelson Chan , Jacob J. Alt , Matthew S. Megyese , Steven C. Cielocha , Kristopher Keith Gaudin , Brian Mark Fields
IPC: G06Q30/02 , G06Q30/0201 , G07C5/08 , G07C5/00 , G06Q40/08 , G06F16/9535 , G06Q30/0251 , G06Q30/0601 , G06Q10/1053 , G06Q30/0207 , G06Q40/02 , G06Q40/03
CPC classification number: G06Q30/0201 , G06F16/9535 , G06Q10/1053 , G06Q30/0207 , G06Q30/0255 , G06Q30/0269 , G06Q30/0631 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/008 , G07C5/08
Abstract: In a computer-implemented method, telematics data collected during one or more time periods by one or more electronic subsystems of a vehicle, and/or by a mobile electronic device of the driver or a passenger, is received. The telematics data includes operational data indicative of how a driver of the vehicle operated the vehicle. The received telematics data is analyzed to identify driving behaviors of the driver during the time period(s). Based at least upon the driving behaviors, a driver profile is generated or modified. Based at least upon the generated or modified driver profile, a suggested vehicle type is identified, at least by determining that the profile meets a set of one or more matching criteria associated with the suggested vehicle type. An indication of the suggested vehicle type is displayed to a user.
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公开(公告)号：US11726763B2
公开(公告)日：2023-08-15
申请号：US17078640
申请日：2020-10-23
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: B62D15/02 , G01C21/34 , G05D1/02 , G06Q40/08 , G08G1/14 , G06Q30/0207 , A61B5/00 , A61B5/02 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/095 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/04 , B60W50/12 , B60W50/14 , B60W60/00 , G05D1/00 , G06F8/65 , G06Q30/0201 , G08G1/09 , G08G1/0962 , G08B25/10 , G07C5/02 , G07C5/08 , G06Q30/0217 , B60W50/00
CPC classification number: G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60K35/00 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/02 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/12 , B60W50/14 , B60W60/0059 , B62D15/0285 , G01C21/3407 , G05D1/0055 , G05D1/0061 , G05D1/0088 , G05D1/0214 , G05D1/0278 , G06Q30/0206 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10 , G08G1/091 , G08G1/0962 , G08G1/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0075 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2540/043 , B60W2540/22 , B60W2540/26 , B60W2556/45 , B60W2900/00
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, vehicle operation safety may be enhanced. An environmental or weather condition (e.g., hail, storm, wind) may be identified that presents a hazard to an autonomous or semi-autonomous vehicle. With the customer's permission, when it is determined that the vehicle is parked in an unprotected location, a protected or covered location to park the vehicle may be identified, a route to that location may be determined, and the vehicle may be directed to travel automatically to the protected location under the operation of autonomous operation features. Insurance discounts or cost savings may be provided to risk averse insurance customers based upon the self-parking functionality that will reduce or mitigate damage to insured vehicles caused by adverse conditions, falling trees or power lines, hail, etc.
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公开(公告)号：US11720968B1
公开(公告)日：2023-08-08
申请号：US16697396
申请日：2019-11-27
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen A. Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: G06Q40/08
CPC classification number: G06Q40/08
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for autonomous or semi-autonomous vehicles may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of an autonomous or semi-autonomous vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.
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公开(公告)号：US11232708B1
公开(公告)日：2022-01-25
申请号：US16914032
申请日：2020-06-26
Inventor： Brian Mark Fields , John A. Nepomuceno , Scott Thomas Christensen , Duane Christiansen , Steven C. Cielocha , Kristopher Keith Gaudin , Michael Bernico , Nathan L. Tofte , Steve Roberson
Abstract: Systems and methods for real-time detection and mitigation anomalous behavior of a remote vehicle are provided, e.g., vehicle behavior that is consistent with distracted or unexpectedly disabled driving. On-board and off-board sensors associated with a subject vehicle may monitor the subject vehicle's environment, and behavior characteristics of a remote vehicle operating within the subject vehicle's environment may be determined based upon collected sensor data. The remote vehicle's behavior characteristics may be utilized to detect or determine the presence of anomalous behavior, which may be anomalous for the current contextual conditions of the vehicles' environment. Mitigating actions for detected remote vehicle anomalous behaviors may be suggested and/or automatically implemented at the subject vehicle and/or at proximate vehicles to avoid or reduce the risk of accidents, injury, or death resulting from the anomalous behavior. In some situations, authorities may be notified.
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公开(公告)号：US20210248641A1
公开(公告)日：2021-08-12
申请号：US17203412
申请日：2021-03-16
Inventor： Leo N. Chan , Jacob J. Alt , Matthew S. Megyese , Steven C. Cielocha , Kristopher Keith Gaudin , Brian Mark Fields
Abstract: In a computer-implemented method, telematics data collected during one or more time periods by one or more electronic subsystems of a vehicle, and/or by a mobile electronic device of the driver or a passenger, is received. The telematics data includes operational data indicative of how a driver of the vehicle operated the vehicle. The received telematics data is analyzed to identify driving behaviors of the driver during the time period(s). Based at least upon the driving behaviors, a driver profile is generated or modified. Based at least upon the generated or modified driver profile, a suggested vehicle type is identified, at least by determining that the profile meets a set of one or more matching criteria associated with the suggested vehicle type. An indication of the suggested vehicle type is displayed to a user.
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公开(公告)号：US10325491B1
公开(公告)日：2019-06-18
申请号：US15995183
申请日：2018-06-01
Inventor： Brian Mark Fields , Steven C. Cielocha , Jacob J. Alt , Laura A. Uphoff , Leo Nelson Chan , Mohamed A. Wazeer , Kristopher Keith Gaudin , Justin Davis , Nathan W. Baumann , Giles Roll
IPC: G08G1/0967
Abstract: Methods and systems are described for generating a vehicle-to-vehicle traffic alert and updating a vehicle-usage profile. Various aspects include detecting, via one or more processors associated with a first vehicle, that an abnormal traffic condition exists in an operating environment of the first vehicle. An electronic message is generated and transmitted wirelessly, via a vehicle-mounted transceiver associated with the first vehicle, to alert a nearby vehicle of the abnormal traffic condition and to allow the nearby vehicle to avoid the abnormal traffic condition. The first vehicle receives telematics data regarding operation of the nearby vehicle after the nearby vehicle received the electronic message, and transmits the telematics data to a remote server for updating a vehicle-usage profile associated with the nearby vehicle.
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公开(公告)号：US10282981B1
公开(公告)日：2019-05-07
申请号：US15966658
申请日：2018-04-30
Inventor： John A. Nepomuceno , Leo Nelson Chan , Steven C. Cielocha , Roxane Lyons , Matthew S. Megyese , William J. Leise , Jennifer Criswell Kellett , Kristopher Keith Gaudin , Jennifer L. Crawford , Jeremy Myers , Edward P. Matesevac, III , Rajiv C. Shah
IPC: G08G1/01 , G08B21/06 , G08G1/0967 , G08G1/16 , G08G1/0962 , G08G1/00
Abstract: A system and method are provided for improving vehicle awareness and safety by generating and transmitting alerts in response to detecting a hazard in the environment omnidirectional to a vehicle awareness system. Omnidirectional environment data, representing kinematic information pertaining to one or more physically detectable elements omnidirectional to the primary vehicle, is acquired by one or more sensors communicatively coupled to a vehicle. The system analyzes the omnidirectional environment data to detect if one or more hazards in the omnidirectional environment data, representing a change in the kinetic behavior of the one or more physically detectable elements omnidirectional to the vehicle awareness system, has occurred. When the system detects one or more hazards in the omnidirectional environment data, the system generates and transmits an alert to vehicles, vehicle operators, mobile devices, or pedestrians at risk from the hazard.
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公开(公告)号：US10157423B1
公开(公告)日：2018-12-18
申请号：US14934343
申请日：2015-11-06
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, with the insurance customer's permission, operation of an autonomous (or semi-autonomous vehicle) by a vehicle operator may be monitored. Based upon vehicle and/or other data analysis, an identity of the operator may be determined, and operating data regarding the autonomous or semi-autonomous vehicle while the operator at least partially controls the autonomous vehicle may be monitored. A vehicle operator profile that includes information regarding an operating style of the vehicle operator based upon the operating data may be determined. Risk levels associated with operation of the autonomous vehicle based upon the information regarding the vehicle operator's operating style may be determined. Insurance discounts may be provided to risk averse vehicle owners and/or operators, or those that utilize vehicle risk mitigation or prevention technology.
