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公开(公告)号：US20230137158A1
公开(公告)日：2023-05-04
申请号：US17985945
申请日：2022-11-14
发明人： Nick Marotta
IPC分类号： G06Q40/08
摘要： A computer-implemented method and computer system configured to provide automated insurance quotes, insurance policy offers, and issued insurance policy contracts. A quote requester may initiate a quote request by using their mobile device to scan a QR code associated with a product offered for sale by a product offeror during a transaction. The mobile device may automatically generate and transmit a quote request to a computer system of the insurance provider. In response to the quote request, the insurance provider computer system may access a computer system of the product offeror for information about the product and information about the quote requester collected in connection with the transaction. The insurance provider computer system generates a quote-requester specific insurance quote, and transmits the insurance quote to the quote requester's mobile device for their review, modification, or approval.
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公开(公告)号：US20230135598A1
公开(公告)日：2023-05-04
申请号：US18089783
申请日：2022-12-28
申请人： Catch Media, Inc.
摘要： A computing system including a communication layer, including client web services managing communication with client computers, including a message parser, a message validator, and a message authenticator, and a computing engine layer, including a registrar that (i) registers purchase of a digital asset by a first consumer, (ii) generates a dated record of title to the first consumer for the digital asset, (iii) receives a resale permission message for the digital asset from the first consumer, via the client web services, whereby the permission message is parsed, validated, and authenticated by the client web services, (iv) further registers purchase of the digital asset by a second consumer, and (v) further generates an updated record of title for the digital asset to the second consumer.
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公开(公告)号：US20230132165A1
公开(公告)日：2023-04-27
申请号：US18045089
申请日：2022-10-07
发明人： Christopher Brian Potter , Brian James Perra , Caroline Frances Stephani , Lisa Marie Wark , Jeff Lee Dennie , Michelle Nicole Samuel
IPC分类号： G06F16/248 , G06F16/25 , G06Q40/08
摘要： An apparatus includes a display, a memory, and a hardware processor. The processor accesses a database that includes initial assumptions, current assumptions, values of a life insurance policy over time, transactions, and payments. The processor displays on a first region of the display a baseline curve, a historical performance curve, and an in-force curve. The processor further displays on various other regions of the display a series of points representing the transactions, a current policy value, a first link to download a first file, a second link to display the current assumptions, a third link to download a second file, a fourth link to display the initial assumptions, a fifth link to open an in-force illustrator used to generate an illustration, a sixth link to create or update a new baseline, a seventh link to display the payments, and an eighth link to display the transactions.
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公开(公告)号：US20230126733A1
公开(公告)日：2023-04-27
申请号：US17507946
申请日：2021-10-22
发明人： Edward Laslett , James Harding , Andrew S. Yee , Pranjivan Pillay , Garret Fontes , Warren Burns
摘要： A broker system infrastructure includes a database warehouse configured to store and provide insurance data for one or more clients, and a data analytics server in communication with the database warehouse. The broker system infrastructure analyzes policy data and member data to define a model configured to identify a relationship therebetween, receives query data including first member data, uses the policy data to generate a quote based on the query data, and applies the query data and the quote to the model to determine whether the quote is inaccurate. If the quote is inaccurate, the broker system infrastructure modifies the policy data and member data to incorporate to the quote and first member data, and analyzes at least the modified policy data and member data to modify the model such that the model is configured to identify a relationship therebetween.
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公开(公告)号：US20230125132A1
公开(公告)日：2023-04-27
申请号：US17817291
申请日：2022-08-03
发明人： Jean Jendusa
摘要： A cloud-based medical system for use by clinical pharmacists in the areas of electronic health record (EHR) management, medical credentialing, billing, access to consulting specialists, and patient tracking.
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公开(公告)号：US11636552B2
公开(公告)日：2023-04-25
申请号：US17673551
申请日：2022-02-16
发明人： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
IPC分类号： G06Q40/08 , G06Q30/0601 , G06Q20/34 , G06V20/10 , H04W84/12
摘要： A system for enhanced personal property replacement (i) builds a virtual inventory of personal belongings, such as by performing object recognition techniques on mobile device digital images with the customer's permission or affirmative consent; (ii) receives user preferences transmitted from their mobile device; (iii) receives a request from the user to handle an insurance claim after an insurance-related event; (iv) determines items to purchase for the user based upon the user preferences, and/or the extent of damage; and/or (v) transmits, to a retailer remote server a virtual order for the items to be delivered to the user at a temporary (hotel) or permanent (home) address. Insurance claim monies may be used to pay for the items. As a result, after an event (e.g., fire, tornado, hurricane), household or other goods may be automatically purchased and delivered to a customer to alleviate the negative impact of the event on their life.
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公开(公告)号：US11636550B2
公开(公告)日：2023-04-25
申请号：US17385758
申请日：2021-07-26
申请人： Walmart Apollo, LLC
发明人： Walter R. Smith , Frédéric Médous
摘要： A system can include one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors to perform: receiving at least one image of an insurance card of a user; extracting one or more feature values from the at least one image of the insurance card of the user; reducing an amount of data in a feature vector of the at least one image of the insurance card of the user to a set of data using dimensionality reduction; determining, by a machine learning model, as trained, a first insurance plan of the user based on machine learning model input data; identifying at least one alternative insurance plan to be displayed to the user based at least in part on historical medical information associated with the user; and a recommendation comprises the at least one alternative insurance plan. Other embodiments are disclosed.
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公开(公告)号：US20230123916A1
公开(公告)日：2023-04-20
申请号：US18069059
申请日：2022-12-20
发明人： Amber Wyatt , Chris Ray , Ashish Sawhney , Tim Husarik , Jose Gonzalez , Tracey M. Herring , Holly Lambert , Stephen Tinglestad , Jason Beckman , Andrea Foster , John Freymann , Shane Tomlinson , Akilah Hugine , Daniel Green , Eric Brown
IPC分类号： G06Q10/20 , G07C5/08 , G06V20/10 , G06Q40/08 , G06F16/9537
摘要： A system for instructing a user on repairing a vehicle configured to (i) receive, from the user, a request to repair a vehicle, including information about the vehicle; (ii) present, to the user via a user computer device, a user interface to allow the user to search for a repair facility to repair the vehicle; (iii) receive, from the user via the user interface, a selection of a repair facility; (iv) determine whether the selected repair facility is a select service location, where a select service location is a pre-authorized repair facility; and (v) if the selected repair facility is a select service location, transfer the information about the vehicle to a computer device associated with the selected repair facility.
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公开(公告)号：US11628786B2
公开(公告)日：2023-04-18
申请号：US16672855
申请日：2019-11-04
发明人： Abraham Mezaael
IPC分类号： B60R16/037 , G06Q40/08 , B60N2/02 , H04L67/306 , H04W76/10 , H04W4/40 , B60H1/00 , H04L65/402
摘要： A vehicle includes an electronic control unit (ECU); a human-machine interface (HMI); and a processor, configured to responsive to receiving a user profile from a mobile device wirelessly connected to the vehicle, identify a requested configuration associated with the user profile, responsive to verifying the requested configuration is unavailable to the vehicle, identify an alternative configuration to the requested configuration using a vehicle snapshot locally stored in the vehicle, and apply the alternative configuration, wherein the vehicle snapshot includes conversion information between the requested configuration and the alternative configuration.
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10.发明申请公开(公告)号：US20230116226A1
公开(公告)日：2023-04-13
申请号：US18080971
申请日：2022-12-14
发明人： Timothy Joel Davis , Amy Engelhorn
IPC分类号： G06Q40/08
摘要： Methods, systems, apparatus, and non-transitory computer readable media are described for integrating the online purchase of a product with the purchase of an insurance policy providing coverage for the product. When a customer initiates the purchase of a product through an online retailer, various aspects include obtaining personal information for the customer, as well as product information for the product. Based upon this information, various aspects may include determining whether the customer is eligible to purchase insurance, and assessing a level of risk in providing a particular type of insurance coverage to the customer. Additionally, various aspects may further include determining an insurance quote based upon this level of risk and transmitting an offer to purchase the insurance policy to the customer. The customer may then purchase the product and insurance policy in one transaction such that binding insurance coverage for the product is provided at the time of purchase.
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