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公开(公告)号：US20210225155A1
公开(公告)日：2021-07-22
申请号：US17222318
申请日：2021-04-05
发明人： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann , Douglas Albert Graff
摘要： A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.
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公开(公告)号：US11049183B1
公开(公告)日：2021-06-29
申请号：US15418408
申请日：2017-01-27
摘要： The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a wireless transceiver device may be attached to a personal item of an insured individual. The wireless transceiver device may automatically trigger a mobile computing device to begin storing data related to use of the personal item when the mobile telephone is proximate the wireless transceiver device. The mobile telephone may periodically transmit the stored data to a remote server.
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公开(公告)号：US10832270B1
公开(公告)日：2020-11-10
申请号：US15966048
申请日：2018-04-30
发明人： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steven J. Balbach , Brian Mark Fields , Kyle Pott
摘要： Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.
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4.发明公开公开(公告)号：US20240078571A1
公开(公告)日：2024-03-07
申请号：US18385856
申请日：2023-10-31
发明人： Kerry Lynne Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steven J. Balbach , Brian Mark Fields , Kyle Pott
IPC分类号： G06Q30/0207 , B60W40/09 , G06Q30/0208 , G06Q40/08 , G07C5/08
CPC分类号： G06Q30/0207 , B60W40/09 , G06Q30/0208 , G06Q40/08 , G07C5/0808
摘要： Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle. Based on the performance of the driver, the driver may qualify for a reward.
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5.发明授权公开(公告)号：US11565654B2
公开(公告)日：2023-01-31
申请号：US17081623
申请日：2020-10-27
发明人： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Douglas Albert Graff , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
IPC分类号： G06Q40/00 , B60R25/04 , G08B25/00 , G06Q40/08 , B60R25/102 , B60W40/09 , B60W40/08 , G08B21/02 , B60W30/08
摘要： A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
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公开(公告)号：US11069221B1
公开(公告)日：2021-07-20
申请号：US16685470
申请日：2019-11-15
发明人： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann , Douglas Albert Graff
摘要： A method of responding to a vehicle accident includes receiving data indicating that vehicle is involved in an accident. The method further includes transmitting a communication to a mobile device of a user in response to receiving the data. Still further, the method includes displaying the communication via a mobile device application on the mobile device, the communication prompting the user to provide responses to one or more questions regarding the accident. The method further includes determining a likely severity of the accident based on the received data, receiving an indication of a response to the one or more questions from the user, and, based on the determination of the likely severity of the accident and the received indication of the response, prompting the user with an emergency assistance recommendation. In addition, the method further includes performing one or more assessments based on the determination of the likely severity of the accident, the one or more assessments including determining damage to the vehicle, repairs needed for the vehicle, or fault of the user for the accident.
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公开(公告)号：US10974693B1
公开(公告)日：2021-04-13
申请号：US16843517
申请日：2020-04-08
发明人： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Douglas Albert Graff , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
摘要： In system and methods for theft prevention or mitigation, driver-related data associated with one or more authorized drivers of an insured vehicle may be collected over time. The authorized drivers and the insured vehicle may be covered by an insurance policy issued by an insurance provider. Based upon the collected driver-related data, a database associated with the authorized drivers may be built. Current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle may be collected. It may be determined, using both the database and the current driver-related data, that the individual is not among the authorized drivers. A disablement of an operation of the insured vehicle may be caused, and/or the individual may be caused to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle.
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公开(公告)号：US09786154B1
公开(公告)日：2017-10-10
申请号：US14798757
申请日：2015-07-14
发明人： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Douglas Albert Graff , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
CPC分类号： B60R25/04 , B60R25/102 , G06Q40/08
摘要： In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.
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公开(公告)号：US09646346B2
公开(公告)日：2017-05-09
申请号：US14156958
申请日：2014-01-16
CPC分类号： G06Q40/08 , H04M1/72519 , H04W4/80 , H04W8/08
摘要： The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a battery powered Bluetooth device may be attached to a personal item of an insured individual. The Bluetooth device may automatically trigger a mobile telephone to begin storing data related to use of the personal item when the mobile telephone is proximate the Bluetooth device. The mobile telephone may periodically transmit the stored data to a remote server.
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10.发明申请公开(公告)号：US20150039353A1
公开(公告)日：2015-02-05
申请号：US14521708
申请日：2014-10-23
CPC分类号： G06Q40/08 , H04M1/72519 , H04W4/80 , H04W8/08
摘要： The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a battery powered Bluetooth device may be attached to a personal item of an insured individual. The Bluetooth device may automatically trigger a mobile telephone to begin storing data related to use of the personal item when the mobile telephone is proximate the Bluetooth device. The mobile telephone may periodically transmit the stored data to a remote server.
摘要翻译： 本公开的装置，方法，系统和计算机可读介质提供用于保险评级目的的自动数据收集。 特别地，电池供电的蓝牙设备可以附接到被保险人的个人物品。 当移动电话靠近蓝牙设备时，蓝牙设备可以自动地触发移动电话开始存储与使用个人物品有关的数据。 移动电话可以周期地将存储的数据发送到远程服务器。
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