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公开(公告)号：US11810139B2
公开(公告)日：2023-11-07
申请号：US17691348
申请日：2022-03-10
发明人： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steven J. Balbach , Brian Mark Fields , Kyle Pott
IPC分类号： G06Q30/00 , G06Q30/0207 , B60W40/09 , G07C5/08 , G06Q40/08 , G06Q30/0208
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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公开(公告)号：US20220198497A1
公开(公告)日：2022-06-23
申请号：US17691348
申请日：2022-03-10
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 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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公开(公告)号：US10534968B1
公开(公告)日：2020-01-14
申请号：US15097892
申请日：2016-04-13
发明人： Mark E. Clauss , David W. Thurber , Matthew Eric Riley, Sr. , Richard J. Lovings , Steven J. Balbach , Nicholas R. Baker , J. Lynn Wilson
摘要： Methods, systems, apparatus, and non-transitory media are described for verifying a vehicle's odometer mileage that is associated with an insurance policy. The described techniques include sending a notification to a mobile computing device requesting an update of the odometer mileage. The notification may be generated in response to the current date being within a threshold number of days prior to the insurance policy's expiration date. In response to the notification, a user may capture an image of the odometer with the mobile computing device, which may also include data indicative of the status of the mobile computing device. One or more optical character recognition (OCR) processes may be applied to the captured image to determine various odometer mileages. Aspects include verifying the odometer mileage when different OCR processes produce the same odometer mileage result and using the status of the mobile computing device to flag potentially fraudulent images.
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4.发明授权公开(公告)号：US10424022B2
公开(公告)日：2019-09-24
申请号：US15414268
申请日：2017-01-24
发明人： Benjamin F. Bowne , James Peng , Nicholas R. Baker , Duane Lee Marzinzik , Matthew Eric Riley, Sr. , Nicholas Christopulos , Brian Mark Fields , J. Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
IPC分类号： G06Q40/08 , G06Q10/06 , G06Q10/08 , B60W40/09 , G06Q40/04 , G07C5/08 , H04W4/04 , G01S19/13 , G06Q30/02 , G07C5/00 , H04W4/02 , G01C21/36 , H04W4/40 , H04L29/08
摘要： A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.
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公开(公告)号：US10304139B2
公开(公告)日：2019-05-28
申请号：US14630738
申请日：2015-02-25
发明人： Benjamin F. Bowne , Jufeng James Peng , Nicholas R. Baker , Duane Lee Marzinzik , Matthew Eric Riley , Nick U. Christopulos , Brian Mark Fields , J Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
IPC分类号： G06Q40/00 , G06Q40/08 , G06Q10/06 , G06Q10/08 , B60W40/09 , G06Q40/04 , G07C5/08 , H04W4/04 , G01S19/13 , G06Q30/02 , G07C5/00 , H04W4/02 , G01C21/36 , H04L29/08
摘要： A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
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公开(公告)号：US09865018B2
公开(公告)日：2018-01-09
申请号：US14589564
申请日：2015-01-05
发明人： Benjamin F. Bowne , Jufeng “James” Peng , Nicholas R. Baker , Duane Lee Marzinzik , Matthew Eric Riley, Sr. , Nick U. Christopulos , Brian Mark Fields , J Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
IPC分类号： G06Q40/00 , G06Q40/08 , G06Q10/06 , G06Q10/08 , B60W40/09 , G06Q40/04 , G07C5/08 , H04W4/04 , G01S19/13
CPC分类号： G06Q40/08 , B60W40/09 , G01C21/3676 , G01C21/3697 , G01S19/13 , G06Q10/0639 , G06Q10/0833 , G06Q30/0283 , G06Q40/04 , G07C5/008 , G07C5/08 , G07C5/0858 , H04L67/12 , H04W4/026 , H04W4/046
摘要： A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
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公开(公告)号：US11182859B2
公开(公告)日：2021-11-23
申请号：US14096709
申请日：2013-12-04
摘要： A method for identifying a primary vehicle associated with a user of a mobile device includes receiving an indication of a vehicle entry event from a mobile device and retrieving sensor data from the mobile device. The method further includes receiving an indication of a vehicle exit event from the mobile device, generating a trip log including portions of the sensor data, and storing the trip log in a trip database. A server, or other suitable computing device, then analyzes the trip log and a plurality of previously stored trip logs in the trip database to determine a primary vehicle corresponding to the user of the mobile device. The method may allow a computing device to assign gathered mobile device data to a specific household vehicle.
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公开(公告)号：US10127570B1
公开(公告)日：2018-11-13
申请号：US14954523
申请日：2015-11-30
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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公开(公告)号：US10013697B1
公开(公告)日：2018-07-03
申请号：US14843489
申请日：2015-09-02
发明人： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steven J. Balbach , Brian Mark Fields , Kyle Pott
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 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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10.发明申请Systems And Methods Using A Mobile Device To Collect Data For Insurance Premiums 审中-公开使用移动设备收集保险费用数据的系统和方法公开(公告)号：US20150170289A1
公开(公告)日：2015-06-18
申请号：US14630738
申请日：2015-02-25
发明人： Benjamin F. Bowne , Jufeng "James" Peng , Nicholas R. Baker , Duane Lee Marzinzik , Matthew Eric Riley , Nick U. Christopulos , Brian Mark Fields , J Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
CPC分类号： G06Q40/08 , B60W40/09 , G01C21/3676 , G01C21/3697 , G01S19/13 , G06Q10/0639 , G06Q10/0833 , G06Q30/0283 , G06Q40/04 , G07C5/008 , G07C5/08 , G07C5/0858 , H04L67/12 , H04W4/026 , H04W4/046
摘要： A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
摘要翻译： 一种用于至少部分地基于收集的车辆操作数据来确定一段时间的车辆保险费的系统和方法，所述系统包括：移动设备，包括：与所述移动设备相关联并被配置为自动收集的一个或多个传感器 数据采集期间的车辆操作数据; 处理器 非暂时性存储介质; 一个显示器 发射机 以及一组存储在非暂时性存储介质中的计算机可读指令，并且当被处理器执行时被配置为允许移动设备收集车辆操作数据并发送所收集的车辆操作数据; 以及远程处理计算机，包括：服务器，其接收收集的车辆操作数据; 存储收集的车辆操作数据的数据库; 以及评级引擎，其至少部分地基于收集的车辆操作数据来确定车辆保险费。
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