公开(公告)号：US20230222601A1

公开(公告)日：2023-07-13

申请号：US18174921

申请日：2023-02-27

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Matthew Aaron Mifflin ,  Vincent M. Hummel ,  Julie Ann Hozie ,  Thomas A. Iott ,  Timothy W. Robert

IPC: G06F40/186 ,  H04L51/046

CPC classification number: G06F40/186 ,  H04L51/046

Abstract: In a computer-implemented method for automated management of correspondence related to an insurance claim, an evaluation trigger (e.g., occurrence of a pre-scheduled time, a triggering event associated with the claim, and/or reception of an evaluation request from an application) may be detected and, in response, an evaluation may be performed. Performing the evaluation may include retrieving one or more data elements from a claims database, and/or generating evaluation output data by processing the retrieved data element(s) according to a first set of rules implemented by a rules engine. Based upon the evaluation output data, at least one action may be selected from among a set of potential actions. The set of potential actions may include automatically generating correspondence (or selected portions thereof) associated with the claim and scheduling a future evaluation. The selected action may then be performed using a second set of rules implemented by the rules engine.

公开(公告)号：US20230135121A1

公开(公告)日：2023-05-04

申请号：US18091702

申请日：2022-12-30

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A Read ,  Michael Brown ,  Robin A Rose

IPC: G06Q40/08 ,  G06N7/01 ,  G07C5/08

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US20240370937A1

公开(公告)日：2024-11-07

申请号：US18773136

申请日：2024-07-15

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J. Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A. Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A. Read ,  Michael Brown ,  Robin A. Rose

IPC: G06Q40/08 ,  G06N7/01 ,  G07C5/08

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US20240311737A1

公开(公告)日：2024-09-19

申请号：US18601268

申请日：2024-03-11

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Nicholas Flannery ,  Joshua Thomas Rohlfs ,  Thomas Willers ,  Jeffery D. Arseneau ,  Vincent M. Hummel ,  Steven Michaels

IPC: G06Q10/0639

CPC classification number: G06Q10/06393

Abstract: Training of a machine learning model can indicate data features within operational data, customer data, and/or worker data that are most predictive of outcome scores, such as customer satisfaction scores, associated with performance of instances of a process by an entity. The training of the machine learning model can also indicate target zones, associated with values of the identified predictive data features, that are associated with outcome scores within a target range. Process data, associated with a set of instances of the process, can be analyzed to identify instances of the process that associated with values of the predictive data features that are, or are not, within the target zones.

公开(公告)号：US12045893B2

公开(公告)日：2024-07-23

申请号：US18091702

申请日：2022-12-30

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A Read ,  Michael Brown ,  Robin A Rose

IPC: G06Q40/00 ,  G06N7/01 ,  G06Q40/08 ,  G07C5/08

CPC classification number: G06Q40/08 ,  G06N7/01 ,  G07C5/0808 ,  G07C5/0841

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US11574366B1

公开(公告)日：2023-02-07

申请号：US16593355

申请日：2019-10-04

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J. Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A. Pluimer ,  Pavan Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Danielle Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A. Read ,  Michael Brown ,  Robin A. Rose

IPC: G06Q40/08 ,  G07C5/08 ,  G06N7/00

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.