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    MACHINE LEARNING SYSTEMS AND METHODS FOR ANALYZING EMERGING TRENDS
    4.
    发明申请
    MACHINE LEARNING SYSTEMS AND METHODS FOR ANALYZING EMERGING TRENDS 有权

    公开(公告)号：US20220005121A1

    公开(公告)日：2022-01-06

    申请号：US16293273

    申请日：2019-03-05

    申请人： State Farm Mutual Automobile Insurance Company

    发明人： Gregory L. Hayward

    IPC分类号： G06Q40/08 ,  G06N20/00

    摘要： A system for detecting an emerging trend in insurance claims is provided. Each insurance claim may include a customer profile of a customer and claim data associated with the customer. The system is configured to (i) store a machine learning model; (ii) input a plurality of new insurance claims into the machine learning model; (iii) identify, by the machine learning model, the emerging trend in the new insurance claims; and (iv) generate a response corresponding to the emerging trend.

    Implementing Machine Learning For Life And Health Insurance Loss Mitigation And Claims Handling
    5.
    发明申请
    Implementing Machine Learning For Life And Health Insurance Loss Mitigation And Claims Handling 有权

    公开(公告)号：US20210256615A1

    公开(公告)日：2021-08-19

    申请号：US16136365

    申请日：2018-09-20

    申请人： State Farm Mutual Automobile Insurance Company

    发明人： Gregory L. Hayward ,  Meghan Sims Goldfarb ,  Nicholas U. Christopulos ,  Erik Donahue

    IPC分类号： G06Q40/08 ,  G06Q10/10 ,  G06F15/18 ,  G06N3/08

    摘要： Techniques for implementing machine learning for insurance loss mitigation or prevention, and claims handling are disclosed. In some scenarios, the insurance loss mitigation and claims handling may be associated with a disability, worker's compensation, life or health insurance policy, and the machine-learning analytics model may be trained in accordance with data that is relevant to identifying appropriate predictions in accordance with these particular types of insurance products. For instance, the machine-learning analytics model may utilize information within a dynamic data set as training data, which may include electronically accessible information. The machine-learning analytics model may additionally be implemented to identify various predictions that are indicative of a risk of insuring an individual as well as one or more actions that, when performed, may reduce the initial calculation of risk.

    Determining corrective actions based upon broadcast of telematics data
    6.
    发明授权
    Determining corrective actions based upon broadcast of telematics data 有权

    公开(公告)号：US10354461B1

    公开(公告)日：2019-07-16

    申请号：US16011789

    申请日：2018-06-19

    申请人： State Farm Mutual Automobile Insurance Company

    发明人： Gregory L. Hayward

    IPC分类号： G07C5/02 ,  H04Q9/00 ,  G07C5/00 ,  G06Q40/08

    摘要： A mobile device configured to receive telematics data from another vehicle when the mobile device is traveling in a moving vehicle and take corrective action when a travel event exists may be provided. The mobile device may receive telematics data associated with an originating vehicle, analyze the telematics data, and determine or identify that a travel event associated with the originating vehicle exists and, when the travel event is determined to exist, determine whether the travel event is relevant to the moving vehicle or a route that the moving vehicle is presently traveling, and if so, direct corrective action such that safer vehicle travel for the moving vehicle is facilitated based upon the telematics data that is collected by the originating vehicle. An insurance provider may collect an insured's usage of the vehicle safety functionality to calculate, update, and/or adjust insurance premiums, rates, discounts, points, or programs.

    Determining abnormal traffic conditions from a broadcast of telematics data originating from another vehicle
    7.
    发明授权
    Determining abnormal traffic conditions from a broadcast of telematics data originating from another vehicle 有权

    公开(公告)号：US10089868B1

    公开(公告)日：2018-10-02

    申请号：US15787305

    申请日：2017-10-18

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Gregory L. Hayward

    IPC分类号： G08G1/01 ,  G01C21/36 ,  G08G1/0968 ,  G08G1/09 ,  G08G1/052 ,  G05D1/00

    摘要： A computer-implemented method of using telematics data at a destination device is provided. The destination device may be a mobile device associated with a driver, or a smart vehicle controller of a destination vehicle. The telematics data is generated by an originating mobile device (i) having a Telematics Application (or “App”), and (ii) associated with a second driver/vehicle, the telematics data including acceleration, braking, speed, heading, and location data associated with an originating vehicle. The telematics data may be broadcast from the originating mobile device to the destination device that (a) analyzes the telematics data received, (b) determines that an abnormal travel condition exists, and (c) automatically take corrective action that alleviates a negative impact of the abnormal travel condition on the destination vehicle to facilitate safer travel. A usage-based or other insurance discount may be provided based upon insured usage of the telematics data-based risk mitigation or prevention functionality.

    Risk mitigation for affinity groupings
    10.
    发明授权
    Risk mitigation for affinity groupings 有权

    公开(公告)号：US11574368B1

    公开(公告)日：2023-02-07

    申请号：US16892500

    申请日：2020-06-04

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Leif Agerholm Roll ,  Craig Dean Isaacs ,  Eric Webster ,  Gregory L. Hayward

    IPC分类号： G06Q40/08 ,  G06Q40/06 ,  G06Q10/10 ,  G06Q30/08

    摘要： Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.