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    Vehicle image and sound data gathering for insurance rating purposes
    2.
    发明授权
    Vehicle image and sound data gathering for insurance rating purposes 有权

    公开(公告)号：US10373264B1

    公开(公告)日：2019-08-06

    申请号：US15639016

    申请日：2017-06-30

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Scott T. Christensen ,  Gregory Hayward ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

    IPC分类号： G06Q40/08 ,  G07C5/00 ,  B60Q1/00 ,  G06Q30/02 ,  G06Q40/00

    摘要： A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.

    RISK ASSESSMENT FOR AN AUTOMATED VEHICLE
    4.
    发明申请
    RISK ASSESSMENT FOR AN AUTOMATED VEHICLE 审中-公开
    自动车辆风险评估

    公开(公告)号：US20150112731A1

    公开(公告)日：2015-04-23

    申请号：US14057467

    申请日：2013-10-18

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Todd Binion ,  Joe Harr ,  Brian Fields ,  Steven Cielocha ,  Steve J. Balbach

    IPC分类号： G06Q40/08 ,  G07C5/00

    CPC分类号： G06Q40/08 ,  G07C5/008

    摘要： A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, operational data indicative of when a vehicle is driven according to an automated control mode in which an automated driving system of the vehicle is active, storing the received operational data in the memory, and determining, via the one or more processors and based on the stored operational data, a risk indicator representing a risk of loss associated with the vehicle.

    摘要翻译： 在包括存储器和一个或多个处理器的电子处理系统中实现的一种方法包括在电子处理系统处接收根据自动控制模式指示车辆何时被驱动的操作数据，其中自动驾驶系统 所述车辆是活动的，将所接收的操作数据存储在所述存储器中，并且经由所述一个或多个处理器并且基于所存储的操作数据确定代表与所述车辆相关联的损失风险的风险指示器。

    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes
    5.
    发明申请
    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes 有权
    车辆图像和声音数据收集保险等级目的

    公开(公告)号：US20140257872A1

    公开(公告)日：2014-09-11

    申请号：US14203344

    申请日：2014-03-10

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Scott T. Christensen ,  Gregory Hayward ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

    IPC分类号： G06Q40/08

    CPC分类号： G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    摘要： A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.

    摘要翻译： 方法和计算机系统向保单持有人提供车辆保险承保和评级。 该方法和系统从策略持有者接收与车辆相关联的捕获的传感器数据。 例如，捕获的传感器数据可以包括车辆图像和声音数据。 方法和系统可以将接收到的数据与基线数据进行比较，以确定车辆的运行状况。 至少部分地基于车辆的确定的运行状况，该方法和系统可以识别车辆的损失风险。 方法和系统可以至少部分地基于所识别的损失风险来确定车辆的保险费，并向保单持有人提供确定的保险费。 在一些实施例中，传感器数据是由用户的移动电话捕获的图像和声音数据。

    SYSTEMS AND METHODS FOR PROCESSING CREDITS FOR DISTANCE-BASED INSURANCE POLICIES
    6.
    发明申请
    SYSTEMS AND METHODS FOR PROCESSING CREDITS FOR DISTANCE-BASED INSURANCE POLICIES 审中-公开
    用于处理基于距离的保险政策信用的系统和方法

    公开(公告)号：US20140257865A1

    公开(公告)日：2014-09-11

    申请号：US14202660

    申请日：2014-03-10

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Christopher E. Gay ,  Scott T. Christensen ,  Gregory Hayward ,  Steven Cielocha ,  Todd Binion

    IPC分类号： G06Q40/08

    CPC分类号： G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    摘要： Methods and systems for processing credits for customers having distance-based insurance policies for vehicles. According to aspects, a distance-based insurance policy of a vehicle specifies an amount of distance units for insured vehicle travel and has an associated policy term. Upon expiration of the policy term, an insurance provider receives an odometer reading and uses the odometer reading to calculate an amount of unused distance units. The insurance provider may determine one or more types of credit that are based on the amount of unused distance units. The insurance provider may also apply the one or more types of credit to an account of the customer.

    摘要翻译： 为具有基于距离的车辆保险单的客户处理信用的方法和系统。 根据方面，车辆的基于距离的保险单规定了保险车辆行驶距离单位的数量，并具有相关联的策略项。 在保单期限届满后，保险提供者收到里程表读数，并使用里程表读数来计算未使用的距离单位的数量。 保险提供者可以基于未使用的距离单位的数量确定一种或多种类型的信用。 保险提供者也可以将一种或多种类型的信用额度应用于客户的账户。