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公开(公告)号：US20230118181A1
公开(公告)日：2023-04-20
申请号：US18067233
申请日：2022-12-16
发明人： Theresa Marie Matowitz , Michael Kyne , Michael Hertz , Ramsey Devereaux , Amber K. Buehrie , Steven Robert Seigler
摘要： Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth.
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公开(公告)号：US11195386B1
公开(公告)日：2021-12-07
申请号：US17129230
申请日：2020-12-21
发明人： Ashley Raine Philbrick , Oscar Guerra , Kelly Q. Baker , Carlos JP Chavez , Yevgeniy Viatcheslavovich Khmelev , Theresa Marie Matowitz
IPC分类号： G07F19/00
摘要： A method may include receiving, via a processor, a request for payment of a payment amount from a first computing system. The method may also involve receiving a location of the first computing system, identifying one or more automatic teller machines (ATMs) based on the location of the first computing system, generating an image configured to cause the one or more ATMs to dispense funds that correspond to the payment amount, and sending the image to the first computing system.
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公开(公告)号：US11704726B1
公开(公告)日：2023-07-18
申请号：US17103056
申请日：2020-11-24
发明人： Ashley Raine Philbrick , Oscar Guerra , Kelly Q. Baker , Carlos J P Chavez , Yevgeniy Viatcheslavovich Khmelev , Theresa Marie Matowitz
CPC分类号： G06Q30/08 , G06Q50/188 , H04L9/0643 , H04L9/50
摘要： Systems and methods described herein track bartering using distributed ledger techniques to, for example, facilitate the establishment of a bartering marketplace that enables users to barter for, and ultimately exchange, services and/or goods with each other. In certain embodiments, a monetary value may be assigned to each service and/or good to be bartered to establish appropriate bartering baselines. In addition, in certain embodiments, additional monetary value exchanges may be tracked for particular exchanges to make sure that the exchanges are fair.
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公开(公告)号：US12093997B1
公开(公告)日：2024-09-17
申请号：US18323863
申请日：2023-05-25
发明人： Ashley Raine Philbrick , Oscar Guerra , Kelly Q. Baker , Carlos J P Chavez , Yevgeniy Viatcheslavovich Khmelev , Theresa Marie Matowitz
CPC分类号： G06Q30/08 , G06Q50/188 , H04L9/0643 , H04L9/50
摘要： Systems and methods described herein track bartering using distributed ledger techniques to, for example, facilitate the establishment of a bartering marketplace that enables users to barter for, and ultimately exchange, services and/or goods with each other. In certain embodiments, a monetary value may be assigned to each service and/or good to be bartered to establish appropriate bartering baselines. In addition, in certain embodiments, additional monetary value exchanges may be tracked for particular exchanges to make sure that the exchanges are fair.
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公开(公告)号：US12073477B1
公开(公告)日：2024-08-27
申请号：US17332817
申请日：2021-05-27
发明人： Amber K. Buehrle , Ramsey Devereaux , Michael Hertz , Michael Kyne , Theresa Marie Matowitz , Steven Robert Seigler
IPC分类号： G06Q50/163 , G06N20/00 , G06Q40/08 , H04L12/28
CPC分类号： G06Q50/163 , G06N20/00 , G06Q40/08 , H04L12/2803
摘要： The present disclosure relates to analyzing data related to smart home activity that is useful to risk analysis, service cost determination/adjustment, and behavioral incentivization. A monitoring system may acquire maintenance information, contextual information, and/or financial information with minimal user input to assess risk associated with user behavior and home activity associated with a smart home. Based on generating a risk factor associated with the smart home, the monitoring system may provide a user with an accurate service cost (e.g., home insurance quote) related to the smart home activity.
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公开(公告)号：US11699333B1
公开(公告)日：2023-07-11
申请号：US17542898
申请日：2021-12-06
发明人： Ashley Raine Philbrick , Oscar Guerra , Kelly Q. Baker , Carlos JP Chavez , Yevgeniy Viatcheslavovich Khmelev , Theresa Marie Matowitz
IPC分类号： G07F19/00
CPC分类号： G07F19/208 , G07F19/203 , G07F19/204 , G07F19/206
摘要： A method may include receiving, via a processor, a request for payment of a payment amount from a first computing system. The method may also involve receiving a location of the first computing system, identifying one or more automatic teller machines (ATMs) based on the location of the first computing system, generating an image configured to cause the one or more ATMs to dispense funds that correspond to the payment amount, and sending the image to the first computing system.
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公开(公告)号：US11538240B1
公开(公告)日：2022-12-27
申请号：US17215885
申请日：2021-03-29
发明人： Theresa Marie Matowitz , Michael Kyne , Michael Hertz , Ramsey Devereaux , Amber K. Buehrle , Steven Robert Seigler
摘要： Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth.
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公开(公告)号：US11423384B1
公开(公告)日：2022-08-23
申请号：US17076546
申请日：2020-10-21
发明人： Ashley Raine Philbrick , Oscar Guerra , Kelly Q. Baker , Carlos J P Chavez , Yevgeniy Viatcheslavovich Khmelev , Theresa Marie Matowitz
IPC分类号： G06Q30/00 , G06Q20/22 , G06Q20/36 , G06Q20/40 , G06Q30/02 , G06Q40/00 , G16H40/20 , G06Q40/02 , G06Q10/10
摘要： An electronic device is disclosed that enables payment option selection by receiving a location of the electronic device from a location sensor and determines a retailer associated with the location. The electronic device stores a mobile wallet that in turn stores multiple payment options. The electronic device then determines discounts, rewards, or both, for the payment options, and compares the discounts, rewards, or both for the payment options to determine a recommended payment option. The electronic device enables selection of the recommended payment option to perform a transaction with the retailer, and performs the transaction using the recommended payment option in response to the selection of the recommended payment option.
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