State Farm Mutual Automobile Insurance Company Patent applications |
Patent application number | Title | Published |
20150339527 | GAZE TRACKING FOR A VEHICLE OPERATOR - A gaze tracking system captures images of a vehicle operator's face using an image sensor device positioned within a vehicle. The gaze tracking system may be detect facial features from each image and track the position of facial features over time. The gaze tracking system may use the detected facial features to track the vehicle operator's head pose and gaze direction. The images may be captured and analyzed in near-real time. By tracking movement of the driver's head and eyes over time, the gaze analysis system may predict or estimate head position and/or gaze direction when one or more facial features are not detectable. The gaze tracking system may generate a report regarding the vehicle operator's gaze distribution. The report may be saved to memory and may be graphically displayed at a screen. | 11-26-2015 |
20150332518 | SYSTEM AND METHOD FOR DETERMINING DRIVING PATTERNS USING TELEMATICS DATA - A computer implemented method for determining a yaw angle estimate or vehicle heading direction is presented. A data server may receive a plurality of telematics data originating from a client computing device and determine a first primary movement window from the telematics data. The data server may also determine a potential range of yaw angles from the plurality of telematics data from the first primary movement window and generate an equality that evaluates the potential range of yaw angles. The data server may further maximize the count of acceleration events of the telematics data from the first primary movement window to further generate one or more refined yaw angle estimates. The data server stores the one or more yaw angle estimates on a memory. | 11-19-2015 |
20150332409 | SYSTEM AND METHOD FOR IDENTIFYING IDLING TIMES OF A VEHICLE USING ACCELEROMETER DATA - A computer implemented method for determining one or more idling time windows from a vehicle trip is presented. A data server may receive, via a computer network, a plurality of telematics data originating from a client computing device and identify primary movement data from the plurality of telematics data. The data server may also measure a total variance from the plurality of telematics data at one or more time stamps and determine an average total variance for an entire trip from the plurality of telematics data. The data server may further normalize total variance at the one or more time stamps using the generated average and determine one or more idling time windows from the normalized total variance. | 11-19-2015 |
20150332408 | SYSTEM AND METHOD FOR IDENTIFYING PRIMARY AND SECONDARY MOVEMENT USING SPECTRAL DOMAIN ANALYSIS - A computer implemented method for determining a primary movement window from a vehicle trip is presented. A data server may receive a plurality of telematics data originating from a client computing device and summarize the plurality of telematics data at a specified sample rate. The data server may also select one or more data points from the plurality of telematics data and determine that the selected data points meets a threshold value. The data server may further identify a first primary movement and constant speed windows including the data points and associate the first primary movement and constant speed windows with a customer account and auto insurance risk. | 11-19-2015 |
20150330790 | SYSTEM AND METHOD FOR SEPARATING AMBIENT GRAVITATIONAL ACCELERATION FROM A MOVING THREE-AXIS ACCELEROMETER DATA - A method based on separating ambient gravitational acceleration from a moving three-axis accelerometer data for determining a driving pattern is presented. A server may receive telematics data originating from a client computing device and combine the telematics data. The server may estimate a gravitational constant to the combined telematics data and generate a function for pitch and a roll angle from the combined telematics data. The server may further determine a driving pattern using at least the pitch and the roll angle. | 11-19-2015 |
20150324923 | SYSTEMS AND METHODS FOR IDENTIFYING AND ASSESSING LOCATION-BASED RISKS FOR VEHICLES - Methods and systems for improving vehicular safety by notifying vehicle operators of location-based risks are provided. According to embodiments, a processing server may receive an initial location of a vehicle. Based on location data associated with the initial location, the processing server can determine the risk of an incident. The processing server can generate a notification to communicate to the vehicle operator, and the vehicle operator can assess the risk and take action to mitigate the risk, for example by relocating the vehicle. The processing server can receive updated location data for the vehicle and can determine, based on the updated location data, that the risk has been mitigated. | 11-12-2015 |
20150317741 | Online Claim System for Automated Insurance Claim Monitoring - An automated insurance claim monitoring system includes an OCS that receives data relating to a claim filed by a customer, automatically generates claim events based on the received data, and makes the claim events available to a device where the customer can view the events. The OCS may thus be used to provide a comprehensive review of all recent events relating to the processing of a claim, enabling a customer to use the device for obtaining the overall status of the claim as the claim is processed. | 11-05-2015 |
20150314681 | SYSTEM AND METHOD TO MONITOR AND ALERT VEHICLE OPERATOR OF IMPAIRMENT - The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration. | 11-05-2015 |
20150310558 | System and Method for Virtual Inspection of a Structure - A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account. | 10-29-2015 |
20150310557 | System and Method for Intelligent Aerial Image Data Processing - A computer implemented method for determining an insurance premium and/or eligibility is presented. The method receives a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location and an aerial image, wherein the aerial image corresponds to the geographic location. The method further identifies a first data category from the image and a data value corresponding to the data category; determine eligibility, and then if applicable calculates an insurance quote, based on at least the data value. | 10-29-2015 |
20150310556 | Homeowners Application Process Using Geotagged Photos - Methods, systems, and computer readable media are disclosed for determining a homeowners insurance quote from a captured image of a dwelling. The captured image includes geotagged information, and the address of the dwelling is determined by reverse geocoding this information. An insurance premium quote may then be generated based on the reverse geocoded address and any additional risk assessment factors, such as the building characteristics. Verification of the address may also be performed by accessing one or more databases, which may store information including addresses, coordinates, and images associated with the address. The building characteristics may be retrieved from one or more of the databases to allow for quote generation with minimal user intervention. Matching properties having comparative quotes near the dwelling address may also be generated. | 10-29-2015 |
20150286929 | AGGREGATION AND CORRELATION OF DATA FOR LIFE MANAGEMENT PURPOSES - A method and computer system aggregates and correlates various types of data from an individual for life management purposes. As an example, the various types of data may include home data, vehicle data, and personal health data associated with the individual. The method and system may receive the various types of data from the individual and analyze each type of data to determine patterns associated with each type of data. The method and system may then compare each of the determined patterns with one another to determine any underlying factors and correlations that may be affecting each of the determined patterns. Based on the determined underlying factors and correlations for each of the determined patterns, the method and system may provide the individual with various benefits such as personalized recommendations, insurance discounts, and other added values or services that the individual can use to better manage and improve his or her life. | 10-08-2015 |
20150254955 | VEHICLE OPERATOR EMOTION MANAGEMENT SYSTEM AND METHOD - The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is in an emotionally impaired state (e.g., aggressive or agitated) and presenting appropriate stimuli (e.g., music or sound recordings) to the vehicle operator when impairment is detected. The vehicle operator, the environment surrounding the vehicle, or forces acting on the vehicle may be monitored using a variety of sensors, including optical sensors, accelerometers, or biometric sensors (e.g., skin conductivity, heart rate, or voice modulation). When the vehicle operator is determined to be in an emotionally impaired state, stimuli are selected to improve the emotional state of the vehicle operator. The selection is based on sensor data and data regarding prior responses of the vehicle operator to various stimuli. After selection, the stimuli are presented to the vehicle operator while monitoring continues. | 09-10-2015 |
20150242953 | SYSTEMS AND METHODS FOR GENERATING DATA THAT IS REPRESENTATIVE OF AN INSURANCE POLICY FOR AN AUTONOMOUS VEHICLE - Systems and methods for generating data representative of insurance coverage for autonomous vehicles are provided. In particular, systems and methods for generating data representative of insurance coverage for autonomous vehicles based on data representative of autonomous vehicle reliability are provided. The data representative of autonomous vehicle reliability may include data representative of the autonomous vehicle original equipment manufacturer test results, autonomous vehicle system manufacturer test results, autonomous vehicle system component manufacturer test results, insurance company autonomous vehicle, systems and/or component test results, and/or third party test results of the autonomous vehicle, systems and/or components. | 08-27-2015 |
20150228086 | SYSTEM AND METHOD FOR AUTOMATICALLY IDENTIFYING AND MATCHING A COLOR OF A STRUCTURE'S EXTERNAL SURFACE - The method and system may be used to provide an indication of a color value for a particular siding sample and to color match a specific siding product to the color value of the siding sample. The system receives a digital image of a siding sample and a desired color value to be matched. A color query module plots this desired color value as a desired color point in a multidimensional color space together with a plurality of color reference points. Each color reference point represents the color value of an existing siding product. The system determines a “distance” between the desired color point and each plotted color reference point within the color space and identifies the siding product associated with the color reference point that is located the shortest distance to the desired color point within the color space. | 08-13-2015 |
20150227864 | Systems and Methods for Simulating Home Loss Prevention - A method and computer system executes a home loss prevention simulation to provide a user with information on home loss prevention. The method and system may allow the user to select and place one or more home sensors on items and/or in locations within a simulated home environment. Once the user has finished selecting and placing the home sensors in the simulated home, the method and system may begin the home loss prevention simulation by applying different loss-related simulation scenarios to the simulated home. Based the different loss-related scenarios, the method and system may evaluate the placement of the home sensors in the simulated home to determine one or more losses (e.g., fire, water or burglary) and any associated financial costs. At the end of the simulation, the method and system may provide instructional information regarding the simulation results in order to educate the user on how to improve or optimize home loss prevention. | 08-13-2015 |
20150206449 | Online Method for Training Vehicle Drivers and Determining Hazard Detection Proficiency - A system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, the system comprising: an Internet device that presents to an Internet user a visual presentation of a continuous drive through a driving environment comprising at least two hazard modules, wherein each hazard module presents to the Internet user at least one driving scenario that comprises at least one hazard; an Internet device that records user viewing locations within the visual presentation, the user viewing locations corresponding to locations within the visual presentation that are viewed by the user during the visual presentation of the continuous drive; a computer analytics device comprising an algorithm that compares the recorded user viewing locations with defined locations of hazards within the visual presentation of the continuous drive, and determines a hazard detection proficiency of the user based at least on the comparison; a computer memory device comprising at least one minimum hazard detection proficiency criteria corresponding to an insurance discount; and a computer analytics device that compares the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria and determines whether to award the insurance discount to the user. | 07-23-2015 |
20150199764 | SYSTEMS AND METHODS FOR AUTOMATICALLY UPDATING DATA REPRESENTATIVE OF INSURANCE RELATED INFORMATION - The present disclosure generally relates to systems and methods for automatically updating data representative of insurance related information. In particular, the present disclosure relates to systems and methods for automatically updating data representative of insurance related information based on data, representative of desired updates, entered by a customer and data representative of update rules. The data representative of desired updates may be compared to the data representative of the update rules to generate updates to data representative of insurance related information. | 07-16-2015 |
20150154712 | SYSTEMS AND METHODS FOR DETECTING POTENTIALLY INACCURATE INSURANCE CLAIMS - Methods and systems for detecting inaccurate insurance claims associated with a loss event are provided. An insurance provider may receive loss event data associated with the loss event from a variety of sources. The insurance provider may also receive an insurance claim submission from the claimant customer that indicates an insured property and a claimed amount of damage to the insured property. The insurance provider examines the loss event data to estimate an actual amount of damage experienced by the property as a result of the loss event, and compares the actual amount of damage to the claimed amount of damage. Based on the comparison, the insurance provider may approve the insurance claim, deny the insurance claim, or flag the insurance claim. The systems and methods thus aim to reduce fraudulent or otherwise inaccurate insurance claim filings. | 06-04-2015 |
20150154711 | ASSIGNING MOBILE DEVICE DATA TO A VEHICLE - 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. | 06-04-2015 |
20150154709 | SYSTEMS AND METHODS FOR MODIFYING RESOURCES TO MANAGE LOSS EVENTS - Methods and systems for modifying resources equipped to manage loss events and processing associated therewith based on an analysis of real-time data. An insurance provider can maintain historical data that indicates resources usage data for managing previously-occurring loss events. The insurance provider can receive real-time first-party and third-party loss event data from a variety of sources, the loss event data being associated with a recent or forecasted loss event. The insurance provider can compare the received loss event data to the historical data to determine that resources configured to manage insurance claim processing resulting from the loss event may need to be modified. In embodiments, the resources may be hardware or software resources, a workforce, physical goods or supplies, or other resources. The insurance provider can facilitate the appropriate resource modification by interfacing with various components and entities. | 06-04-2015 |
20150134524 | Real-Time External Financial Account Verification - Methods and systems for providing real-time external account validation during the opening of a new financial account include receiving external account information and validation information for use in validating that an account owner corresponding to the new financial account is associated with an external financial account provided by an external institution. The received information may be electronically transmitted to the external institution, and the external institution may respond with an electronic indication of an affirmative validation. Upon reception of the affirmative validation, an electronic funds transfer from the external account to new financial account may be initiated. The real-time external account validation may be performed in real-time, e.g., during a single business day or during a single session established with a computer of the institution providing the new financial account. | 05-14-2015 |
20150134344 | Personal Health Data Gathering for Incentive and Insurance Rating Purposes - An insurance method and computer system provides incentives and insurance ratings to a policy holder. The policy holder may opt to participate in an incentives program in which the method and system may receive baseline personal health data that indicates a baseline health condition and a target goal to improve or maintain that baseline health condition over a specified time period. The method and system may then receive and analyze personal health data generated by a sensor that monitors a current health condition over the specified time period to determine whether the target goal has been achieved. The method and system may provide an indication of an incentive to the policy holder in response to receiving the personal health data generated by the sensor, and may provide an indication of a further incentive in response to determining that the target goal has been met. | 05-14-2015 |
20150128275 | SYSTEM AND METHOD FOR UPLOADING AND VERIFYING A DOCUMENT - A computer implemented method may allow for the upload and verification of a document. In one aspect, the method may receive a file associated with an insurance company event, determine if the file contains malicious code and transmit the file to a temporary data server. The method may also determine if the file is in a supported file format and if the file meets a supported file size, convert the file and transmit the converted file to the client device for a verification that the converted file can be uploaded. The method may further receive the verification from the client device that the converted file can be uploaded, flag the converted file for association with a customer account associated with the client device and transmit the converted file to a permanent storage server. | 05-07-2015 |
20150112800 | TARGETED ADVERTISING USING VEHICLE INFORMATION - A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, vehicle data indicative of one or both of (i) a location or route of a vehicle and (ii) operation of the vehicle, storing the received vehicle data in the memory, determining, via the one or more processors and based on the stored vehicle data, a habit or preference of a driver of the vehicle, and causing an advertisement to be selected based on the determined habit or preference. | 04-23-2015 |
20150112733 | In-vehicle insurance applications, Methods and systems for automatically collecting insurance risk related data - The applications, methods and systems of the present disclosure provide selective and automatic data collection for insurance risk determination purposes. In particular, an insurance application may be stored in a vehicle computing system memory and may be executed by a vehicle computing system processor to collect and store vehicle operation related data. An in-vehicle computing device may transmit the collected data to a remote server via a wireless communication network. Alternatively, the in-vehicle computing device may transmit the collected data to a mobile telephone via a wireless communication network. | 04-23-2015 |
20150112731 | RISK ASSESSMENT FOR AN AUTOMATED VEHICLE - A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, operational data indicative of when a vehicle is driven according to an automated control mode in which an automated driving system of the vehicle is active, storing the received operational data in the memory, and determining, via the one or more processors and based on the stored operational data, a risk indicator representing a risk of loss associated with the vehicle. | 04-23-2015 |
20150112730 | ASSESSING RISK USING VEHICLE ENVIRONMENT INFORMATION - A method includes receiving first sensor data representing information collected, during a first time period, by a sensor located on or in a vehicle configured to sense an environment external to the vehicle, storing the data in a memory, processing the data to determine a first set of one or more characteristics of the external environment, and determining, based on the first set of characteristics, a first risk indicator representing a risk of loss during the first time period. The method also includes receiving second sensor data representing information collected, during a second time period, by the sensor, storing the data in the memory, and processing the data to determine a second set of one or more characteristics of the external environment. The method also includes determining, based on the second set of characteristics, a second risk indicator representing a risk of loss during the second time period. | 04-23-2015 |
20150112718 | BIO-SAMPLE COLLECTION KITS, SYSTEMS AND METHODS FOR GENERATING BIOMARKER DATA FOR USE IN DETERMINING AN INSURANCE SCORE - The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score. | 04-23-2015 |
20150112545 | SYNCHRONIZATION OF VEHICLE SENSOR INFORMATION - A method includes receiving and storing sensor data including a first plurality of data points indicative of a plurality of respective states of the environment external to a vehicle at a plurality of respective times, operational data including a second plurality of data points indicative of a plurality of respective states of an operational parameter of the vehicle at a plurality of respective times, and synchronization data. The method also includes generating a virtual model of an event involving the vehicle using the stored data, at least by generating a first visual representation of the plurality of respective states of the external environment, generating a second visual representation of the plurality of respective states of the operational parameter, and using the synchronization data to cause the first visual representation to be displayed simultaneously with, and in a time-aligned manner with, the second visual representation. | 04-23-2015 |
20150112543 | SYNCHRONIZATION OF VEHICLE SENSOR INFORMATION - A method includes receiving and storing sensor data including a first plurality of data points indicative of a plurality of respective states of the environment external to a vehicle at a plurality of respective times, operational data including a second plurality of data points indicative of a plurality of respective states of an operational parameter of the vehicle at a plurality of respective times, and synchronization data. The method also includes generating an animated re-creation of an event involving the vehicle using the stored data, and causing the animated re-creation of the event to be displayed. | 04-23-2015 |
20150112504 | VEHICLE SENSOR COLLECTION OF OTHER VEHICLE INFORMATION - A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, sensor data representing information collected by a sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle, storing the received sensor data in the memory, and determining, via the one or more processors and based on the stored sensor data, an identifying characteristic of a second vehicle different than the first vehicle. | 04-23-2015 |
20150100508 | SYSTEMS AND METHODS TO ASSESS THE CONDITION OF A PROPERTY - A method for reporting property ownership information includes receiving an enrollment from a customer and retrieving existing condition data corresponding to the property from a condition database. Further, the method includes gathering additional condition data corresponding to the property and analyzing the existing condition data and the additional condition data to establish a property condition trend. Subsequently, a property ownership report is generated and communicated to a remote computing device for presentation to a customer. | 04-09-2015 |
20150100506 | SYSTEMS AND METHODS TO REPORT VEHICLE OWNERSHIP INFORMATION - A method for reporting vehicle ownership information includes receiving an enrollment from a customer, wherein the enrollment includes information identifying a vehicle and retrieving a plurality of condition data corresponding to the vehicle from one or more databases. The method further includes analyzing the existing condition data and the additional condition data to establish a vehicle condition trend. The vehicle condition trend reflects changes in a condition of the vehicle, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle. Still further, the method includes generating a vehicle ownership report, wherein the vehicle ownership report includes indications of the vehicle condition trend, and communicating the vehicle ownership report to a remote computing device for presentation to the customer. | 04-09-2015 |
20150100505 | VEHICLE SHARING TOOL BASED ON VEHICLE CONDITION ASSESSMENTS - A method for assessing an operator of a shared vehicle includes receiving a vehicle operator enrollment from a user, wherein the vehicle operator enrollment includes: (i) information identifying a vehicle operated by the user, and (ii) information identifying a shared vehicle. Further, the method includes retrieving condition data corresponding to the vehicle from a condition database, wherein a device inside the vehicle generates at least some of the condition data while the vehicle is being operated by the user, analyzing the condition data to determine a correlation between the user operating the vehicle and a change in a condition of the vehicle, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle, and generating a report, wherein the report includes indications of the correlation between the user operating the vehicle and the change in the condition of the vehicle. In addition, the method includes communicating, via the computer network, the report to a remote computing device for presentation to a user. | 04-09-2015 |
20150100504 | SYSTEMS AND METHODS TO ASSESS THE CONDITION OF A VEHICLE - A computer-implemented method includes receiving a vehicle condition query via a computer network and retrieving condition data corresponding to a vehicle from a vehicle condition database. Further, the method includes determining a condition of the vehicle based on a collective analysis of the condition data, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle, and developing one or more condition descriptors reflecting the condition of the vehicle. Still further, the method includes generating a vehicle condition report including an indication of the one or more condition descriptors and communicating, via the computer network, the vehicle condition report to a remote computing device for presentation to a user of the remote computing device. | 04-09-2015 |
20150100448 | VEHICLE AUCTION TOOL WITH VEHICLE CONDITION ASSESSMENTS - A method for buying and selling vehicles includes receiving information identifying a vehicle, retrieving condition data corresponding to the vehicle from a condition database, wherein a device inside the vehicle generates at least some of the condition data while the vehicle is being operated, and analyzing the condition data to determine a condition of the vehicle, wherein the condition of the vehicle relates to at least one of a quality or a value of the vehicle. Further, the method includes communicating an indication of the vehicle condition to an end user device, and, in response to the indication of the vehicle condition, receiving an offer to purchase the vehicle. A notification is generated based on the offer to purchase the vehicle, wherein the notification indicates a status of a purchase of the vehicle according to the offer to purchase the vehicle, and the notification is communicated to the end user device. | 04-09-2015 |
20150088556 | SYSTEMS AND METHODS FOR PROCESSING PROPERTY INSURANCE - Methods and systems for processing property insurance are provided. According to embodiments, an insurer can process an insurance application for a property by determining a property rating score that reflects a need to conduct a manual inspection of the property. The insurer can apply a set of business rules or metrics to additional property data to further refine the decision of whether to conduct a manual inspection of the property as well as the decision of whether to issue a property insurance policy for the property. By not requiring a manual inspection, both the insurer and the insured may realize reduced costs. | 03-26-2015 |
20150081496 | System and Method for an Integrated Financial Management Tool - A system and method for integrating and facilitating customer experience provides a user a one-stop location for acquisition of products and services, servicing of products and services, transaction processing, and internal and external financial account management. Once a user registers an individual customer during an activation session, which may include entry of that customer's internal or external account information, the system manages multiple accounts for the customer in accordance with system and user defined rules providing a means to acquire and service products and services, as well as to receive disbursements to external accounts from the system. The system also includes a rules system which scans and resolves any conflicts created among system rules. | 03-19-2015 |
20150039522 | SYSTEM AND METHOD OF PROVIDING A VEHICLE REPAIR STATUS - An instrument for compiling and monitoring a status of a vehicle repair process, wherein service repair personnel are able to modify the status of the vehicle repair process and a user is allowed to conveniently view the status of the vehicle repair process. | 02-05-2015 |
20150039349 | Methods, Devices and Systems for Automatically Triggering Data Collection Events and Collecting Insurance Rating Data - 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. | 02-05-2015 |
20150019265 | BUNDLING INSURANCE POLICIES AND INVESTMENT ACCOUNTS - Methods and systems for bundling an insurance policy and an account of an investment vehicle include determining if the policy and/or the account is eligible for inclusion in a bundled product, generating an indication of the bundled product, and causing the indication to be transmitted to a user interface and/or computing device. The eligibility determination is based on a state or status of the policy and/or a state or status of the account, and optionally is based on characteristics and/or conditions associated with the policy and/or the account. A bundling benefit may be enacted. The bundling benefit may include, for example, a discount or waiver on a fee, charge or load of the investment account, and/or a discount or waiver of a premium of the insurance policy. The insurance policy may correspond to any type of insurance, and the investment account may correspond to any type of investment vehicle. | 01-15-2015 |
20140280806 | SYSTEM AND METHOD FOR A SELF SERVICE PORTAL AND AUTOMATION FOR INTERNALLY HOSTED VIRTUAL SERVER RESOURCES - A method and apparatus may provision a new computer code file as an update or a new application for end nodes of a cloud computing system. The method and apparatus may receive a computer code file at a repository server via a portal interface to an automation service. The computer code file may include a discrete file or package of files corresponding to a complete application or an update for an application for execution on cloud computing system nodes. The method and apparatus may also receive provisioning conditions at the automation service via the portal interface, send the computer code file to the cloud computing system end nodes based on the received provisioning conditions, and cause the sent computer code file to be installed on each of the plurality of cloud computing system end nodes. | 09-18-2014 |
20140278587 | SYSTEMS AND METHODS FOR ASSESSING PROPERTY DAMAGE - A damage assessment module operating on a computer system automatically evaluates a property, estimating damage to the property by analyzing a point cloud of a property. The damage assessment module identifies individual point clusters or segments from the point cloud and detects potentially damaged areas of the property surface by identifying outlier points in the point clusters. The damage assessment module may be used to determine the financial cost of the damage and/or determine whether the property should be replaced or repaired. In addition to eliminating the need for an estimator to visit the property in person, the damage assessment module improves the consistency and accuracy associated with estimating damage to a property. | 09-18-2014 |
20140278586 | SYSTEMS AND METHODS TO IDENTIFY AND PROFILE A VEHICLE OPERATOR - A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle. A driver is then identified based on the plurality of risk variables, and a risk profile is developed for the driver. The development of the risk profile involves determining the risk associated with at least some of the risk variables and generating a risk index, the risk index being a collective measure of risk associated with the driver. | 09-18-2014 |
20140278575 | Systems And Methods Of Processing Insurance Data Using A Web-Scale Data Fabric - Methods and systems for processing data, such as insurance data, using a Web-Scale Data Fabric (WSDF). According to embodiments, a stream ingestion hardware component can ingest messages related to an actionable event and send data objects to an in-memory data store based on the messages. The in-memory data store can retrieve insurance policy information that may be applicable to the actionable event and store the insurance policy information in cache memory. A search-based application interfaces with the in-memory data store to search for and retrieve data associated with the insurance policy information, from which a user or administrator may process or otherwise access the information. The systems and methods can further initiate insurance claim processing as well as enrich the data using various techniques to enable real-time search. | 09-18-2014 |
20140278573 | SYSTEMS AND METHODS FOR INITIATING INSURANCE PROCESSING USING INGESTED DATA - Methods and systems for pre-filling insurance forms for customers are provided. An insurance provider or other similar entity can receive loss event data associated with a certain loss event that could trigger customers submitting insurance claims. By examining the loss event data and associated customer and insurance policy data, the insurance provider can identify customers who may have experienced damage to property and therefore may be eligible to submit a claim for the damage. According to embodiments, the insurance provider can generate pre-filled forms using at least some of the loss event data and send the pre-filled forms to the potentially eligible customers. The customers can modify the pre-filled forms where necessary and submit insurance claims based on the pre-filled forms for processing by the insurance provider. | 09-18-2014 |
20140278572 | SYSTEM AND METHOD FOR ROUTING A VEHICLE DAMAGED IN A CRASH - A system and method to facilitate treatment of a vehicle damaged in a crash, wherein a treatment process is formulated based on a treatment complexity level associated with an estimate of the extent of damage to the vehicle. The treatment process may include a repair process or a salvage process relating to a price schedule for treating the damaged vehicle, a time duration for completing treatment of the damaged vehicle, or a list of damaged vehicle parts estimated to be damaged by the crash. | 09-18-2014 |
20140278571 | SYSTEM AND METHOD FOR TREATING A DAMAGED VEHICLE - A system and method to facilitate treatment of a vehicle damaged in a crash, wherein a repair process or a salvage process is formulated based on an estimate of the extent of damage to the vehicle, and a request to transport the damaged vehicle is transmitted to the appropriate treatment facility. | 09-18-2014 |
20140278570 | SYSTEM AND METHODS FOR ASSESSING A ROOF - A damage assessment module operating on a computer system automatically evaluates a roof, estimating damage to the roof by analyzing a point cloud of a roof. The damage assessment module identifies individual shingles from the point cloud and detects potentially damaged areas on each of the shingles. The damage assessment module then maps the potentially damaged areas of each shingle back to the point cloud to determine which areas of the roof are damaged. Based on the estimation, the damage assessment module generates a report on the roof damage. The report may be used to determine the financial cost of the damage and/or determine whether the roof should be replaced or repaired. In addition to eliminating the need for an estimator to physically climb onto a roof for evaluation purposes, the damage assessment module improves the consistency and accuracy associated with estimating damage to a roof. | 09-18-2014 |
20140278569 | RISK EVALUATION BASED ON VEHICLE OPERATOR BEHAVIOR - A method for ascertaining the risk associated with the driver of a vehicle utilizes three-dimensional (3D) motion sensing data. A server gathers motion sensing data from one or more motion sensing modules and clusters the motion sensing data into movement categories. The server then assigns an indication of risk to at least some of the movement categories and combines the motion sensing data from a plurality of movement categories to generate a collective measure of risk associated with the driver of the vehicle. | 09-18-2014 |
20140277916 | SYSTEM AND METHOD FOR FACILITATING TRANSPORTATION OF A VEHICLE INVOLVED IN A CRASH - A system, method, and computer-readable medium to facilitate treatment of a damaged vehicle by gathering crash information, estimating an extent of vehicle damage, and requesting transport of the damaged vehicle from the crash site to a treatment facility. | 09-18-2014 |
20140277842 | SYSTEM AND METHOD FOR CONTROLLING A REMOTE AERIAL DEVICE FOR UP-CLOSE INSPECTION - The method and system may be used to control the movement of a remote aerial device in an incremental step manner during a close inspection of an object or other subject matter. At the inspection location, a control module “stabilizes” the remote aerial device in a maintained, consistent hover while maintaining a close distance to the desired object. The control module may retrieve proximal sensor data that indicates possible nearby obstructions to the remote aerial device and may transmit the data to a remote control client. The remote control module may determine and display the possible one or more non-obstructed directions that the remote aerial device is capable of moving by an incremental distance. In response to receiving a selection of one of the directions, the remote control module may transmit the selection to the remote aerial device to indicate the next movement for the remote aerial device. | 09-18-2014 |
20140270492 | AUTOMATIC BUILDING ASSESSMENT - Disclosed systems and methods automatically assess buildings and structures. A device may receive one or more images of a structure, such as a building or portion of the building, and then label and extract relevant data. The device may then train a system to automatically assess other data describing similar buildings or structures based on the labeled and extracted data. After training, the device may then automatically assess new data, and the assessment results may be sent directly to a client or to an agent for review and/or processing. | 09-18-2014 |
20140267627 | METHODS AND SYSTEMS FOR CAPTURING THE CONDITION OF A PHYSICAL STRUCTURE - In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure. | 09-18-2014 |
20140259549 | TETHERING SYSTEM AND METHOD FOR REMOTE DEVICE - A tethering system for a remote-controlled device comprising a tether line having a first end adapted to be connected to a ground support and a second end adapted to be connected to the remote-controlled device. The system further includes an anchor-point disposed between the first and second ends of the tether line, the anchor point having an eyelet for securing the tether line and allowing the tether line to slide through the eyelet during use. The anchor-point and eyelet enable the tether line to flex or bend and the remote-controlled device to maneuver one or more of over or around the target area without interfering with any nearby obstructions. | 09-18-2014 |
20140257874 | System and Method for Determining and Monitoring Auto Insurance Incentives - A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis. | 09-11-2014 |
20140257873 | Systems and Methods for Generating Vehicle Insurance Policy Data Based on Empirical Vehicle Related Data - The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data. | 09-11-2014 |
20140257872 | Vehicle Image and Sound Data Gathering for Insurance Rating Purposes - A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone. | 09-11-2014 |
20140257871 | Dynamic Auto Insurance Policy Quote Creation Based on Tracked User Data - A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer. | 09-11-2014 |
20140257870 | Determining Driving Patterns from On-Board Vehicle Sensor Data - A computer implemented method for providing insurance receives vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors. The method also analyzes the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component. The method further determines that the driving pattern indicates a change in the rating and adjusts the rating data component. The method further processes one or more insurance options based at least in part on the changed rating. | 09-11-2014 |
20140257869 | Adjusting Insurance Policies Based on Common Driving Routes and Other Risk Factors - A computer implemented method for providing insurance comprises receiving a plurality of vehicle data including a start point, an end point and a frequency value. The method further comprises analyzing the plurality of vehicle data to determine a driving route associated with the vehicle. The method also comprises determining, based on the frequency value, that the driving route is a common driving route and a risk level of the common driving route. The method further comprises processing one or more insurance options, including pricing and underwriting, based at least in part on the risk level of the common driving route. | 09-11-2014 |
20140257868 | SYSTEMS AND METHODS FOR PROCESSING VEHICLE INSURANCE BASED ON ACUITY TESTING PERFORMANCE - Methods and systems for administering acuity assessments to customers who request vehicle insurance policies, and offering insurance policies based on customers' performances on the acuity assessments. In aspects, the vehicle insurance policies can cover various uses of the vehicle, where the policies may be distance- or time-based. The customer requests a vehicle insurance policy and an insurance provider provides a relevant acuity assessment to the customer for completion. The customer performs the acuity assessment and sends corresponding results, and the insurance provider determines the customer's performance. Based at least in part on the customer's performance, the insurance provider generates an insurance quote, which the customer may purchase. | 09-11-2014 |
20140257867 | TRIP-BASED VEHICLE INSURANCE - Methods and systems for offering and providing trip-based vehicle insurance are provided. Information is received regarding a vehicle operator and a vehicle, and trip-based insurance policies including quantities of vehicle use units are offered to the customer. Based on selected coverage types, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle use units and may facilitate a purchase transaction with the customer for the insurance policy. Once a policy is selected and purchased, the system and method monitor vehicle use to determine each use of a vehicle use unit. Each vehicle use unit generally corresponds to one vehicle trip, but additional vehicle trip limitations may be added that may result in additional charges when exceeded during the course of a vehicle trip. | 09-11-2014 |
20140257866 | SYSTEMS AND METHODS FOR PROCESSING ADDITIONAL DISTANCE UNITS FOR DISTANCE-BASED INSURANCE POLICIES - Methods and systems for processing distance-based insurance policies for vehicles. According to aspects, a distance-based insurance policy for a customer specifies an amount of distance units for insured vehicle travel and has an associated policy term. Before the expiration of the policy term, an insurance provider may determine that few or no distance units remain. Accordingly, the insurance provider may estimate an additional amount of distance units that the customer may want to purchase. The insurance provider can send an offer for the additional amount of distance units to the customer and the customer can select to purchase the additional amount of distance units. | 09-11-2014 |
20140257865 | SYSTEMS AND METHODS FOR PROCESSING CREDITS FOR DISTANCE-BASED INSURANCE POLICIES - Methods and systems for processing credits for customers having distance-based insurance policies for vehicles. According to aspects, a distance-based insurance policy of a vehicle specifies an amount of distance units for insured vehicle travel and has an associated policy term. Upon expiration of the policy term, an insurance provider receives an odometer reading and uses the odometer reading to calculate an amount of unused distance units. The insurance provider may determine one or more types of credit that are based on the amount of unused distance units. The insurance provider may also apply the one or more types of credit to an account of the customer. | 09-11-2014 |
20140201315 | HOME SENSOR DATA GATHERING FOR NEIGHBOR NOTIFICATION PURPOSES - In a computer-implemented method of generating event notifications, in-home data is received. The in-home data and environment data (e.g., weather, law enforcement, etc.) is generated by, or based on information generated by, a device located at a residence of an individual, and is analyzed to determine whether it is indicative of an event that should be reported to one or more neighboring residences and/or businesses. If the data is indicative of such an event, a notification is generated and transmitted to the relevant residences and/or businesses. | 07-17-2014 |
20140181969 | System and Method for Uploading and Verifying a Document - An upload and verification system allows a user to upload files which the user would like to attached to the electronic record of a certain event associated with the company, for example, an insurance claim. A quarantine server may receive the uploaded file and scan the file for malicious code. The quarantine server may transmit the file to temporary storage server. The temporary storage server may receive the file, may convert the file to a file format supported by the company system and may compress the file. The temporary storage server may also transmit a preview of the file back to the client device, where the user can verify that the correct document has been uploaded and no mistakes have been made. | 06-26-2014 |
20140172467 | SYSTEM AND METHOD TO ADJUST INSURANCE RATE BASED ON REAL-TIME DATA ABOUT POTENTIAL VEHICLE OPERATOR IMPAIRMENT - The method, system, and computer-readable medium facilitates monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy), log data relating to vehicle operator impairment for further analysis, and send the data to a server for analysis. The method, system, and computer-readable medium may monitor the vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle using either or both of optical sensors or accelerometers. In particular, one optical sensor may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Another optical sensor may monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. The accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration. The data gathered by the various sensors may be scored to determine whether to change a property and casualty insurance rate charged to vehicle operator and/or vehicle owner and/or vehicle policy. | 06-19-2014 |
20140167967 | SYSTEM AND METHOD TO MONITOR AND REDUCE VEHICLE OPERATOR IMPAIRMENT - The method, system, and computer-readable medium facilitates monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated), alerting the vehicle operator when impairment is detected, and log data relating to vehicle operator impairment for further analysis. The method, system, and computer-readable medium may monitor the vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle using either or both of optical sensors or accelerometers. In particular, one optical sensor may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Another optical sensor may monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. The accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration. | 06-19-2014 |
20140136242 | HOME SENSOR DATA GATHERING FOR INSURANCE RATING PURPOSES - In a computer-implemented method of incentivizing low-loss behaviors, in-home data is received. The in-home data is generated by, or based on information generated by, a device located at a residence of an individual, and is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device. The method also includes determining, based on the received in-home data, an insurance premium adjustment for the individual, and providing an indication of the determined insurance premium adjustment. | 05-15-2014 |
20140114491 | Method and System for a Power Device with Automatic Equipment Disconnect - A power device may automatically disconnect a wired connection in response to received weather alert data based on a configuration file including one or more user preference settings. The power device may include an input to receive power from an external power source, and an output to provide the wired connection to an electronic device by providing the power received from the input to the electronic device. The power device may also include a receiver to receive the weather alert data. The power device may process the received weather alert data and disconnect the wired connection based on the one or more user preference settings. A timer function may define a time period that the power device monitors its receiver for weather alert data and automatically disconnects and reconnects the wired connection. | 04-24-2014 |
20140100921 | CUSTOMER SATISFACTION DASHBOARD - A method of developing scores for a company including receiving, at a hardware server, customer experience data including information related to a customer's experience with the company and information related to the customer's specific interactions with the company; generating, by one or more processors, an experience score for the company based on the information related to the customer's experience with the company; generating, by one or more processors, an interaction score for the company based on the information related to the customer's specific interactions with the company; generating, by one or more processors, a composite score for the company; and rendering an image of at least one of the experience score, the interaction score, or the composite score for the company for presentation of the image via a computer. | 04-10-2014 |
20140100889 | DEVICE AND METHOD FOR BUILDING CLAIM ASSESSMENT - Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing. | 04-10-2014 |
20140074514 | Providing a Multi-Line Discount on Insurance in Connection with the Purchase of a Financial Services Product - Providing a discount for an insurance policy in connection with the purchase of a financial services product. The systems and methods of the present invention automatically apply a discount to an insurance policy held by a customer when the customer purchases and/or maintains a financial services account, such as a deposit account. The insurance policy discount is automatically discontinued when the financial services account is closed. | 03-13-2014 |
20140067472 | System and Method For Segmenting A Customer Base - A method and apparatus may segment a business' customer base and determine one or more business behaviors toward customers based on the segmentation. For example, the method and apparatus may communicate a survey to a plurality of customers including at least one needs-based question and at least one demographics question. The method and apparatus may also group received survey data into a plurality of segments. Using sets of received survey data, the method and apparatus may also classify each of the plurality of customers into a segments based on the received numerical values. The numerical values for each customer data set may correspond to one of the plurality of segments. The method and apparatus may then determine one or more needs of each customer based on the segment and a customer data set and determine a prerequisite business behavior for each segment based on the determined needs of each customer. | 03-06-2014 |
20130317865 | Server for Real-Time Accident Documentation and Claim Submission - An server that facilitates efficient and convenient processing of an insurance claim. The claim processing application can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user's vehicle and the scene of the accident are generated and displayed on the user's mobile device. Damaged portions of the user's vehicle can be identified automatically or by the user. Damage can be tagged using the mobile device and additional data can be provided by the user and associated with each tag. The server's claim processing application can be used to provide a preliminary claim assessment, submit a completed insurance claim application to an insurance provider, and/or process the insurance claim. | 11-28-2013 |
20130317864 | Mobile Computing Device for Real-Time Accident Documentation and Claim Submission - A mobile computing device that facilitates efficient and convenient processing of an insurance claim. The mobile computing device can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user's vehicle and the scene of the accident are generated and displayed on the mobile computing device. Damaged portions of the user's vehicle can be identified automatically or by the user. Damage can be tagged using the mobile computing device and additional data can be provided by the user and associated with each tag. The mobile computing device can be used to provide a preliminary claim assessment, submit a completed insurance claim application to an insurance provider, and/or process the insurance claim. | 11-28-2013 |
20130290033 | SYSTEMS AND METHODS FOR ELECTRONIC RECEIPT BASED CONTENTS INVENTORY AND CASUALTY CLAIM PROCESSING - A method for investigating a casualty claim using a programmed computer system may include receiving a prompt to create a contents inventory, the prompt including an identification of one or more email accounts associated with an insured, analyzing the one or more email accounts for information related to the acquisition of personal property, and using the information related to the acquisition of personal property to generate a contents inventory for investigation of the casualty claim. | 10-31-2013 |
20130238365 | ONLINE SYSTEM FOR TRAINING NOVICE DRIVERS AND RATING INSURANCE PRODUCTS - A system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, wherein an Internet device presents a visual presentation of a continuous drive through a driving environment having driving hazards, an Internet device records locations viewed by a user within the visual presentation, a computer algorithm that compares the recorded user viewing locations with defined locations of hazards within the visual presentation of the continuous drive to determine a hazard detection proficiency, a computer memory device comprising at least one minimum hazard detection proficiency criteria corresponding to an insurance discount; and a computer analytics device that compares the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria and determines whether to award the insurance discount to the user. | 09-12-2013 |
20130226625 | Methods for Grid-Based Rating Insurance Products Using a Programmed Computer System - A method for rating insurance products using a programmed computer system comprising: receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; querying a database for a second set of existing data associated with a regulator, which regulates insurance policies in a geographic area comprising the location; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set. | 08-29-2013 |
20130218607 | Computer Readable Medium Containing a Set of Computer Readable Instructions for Grid-Based Insurance Rating - A computer readable medium containing a set of computer readable instructions that when loaded into a computer configure that computer to: receive demographic data, fire station data, or other data associated with a location; receive a coordinate pair including a longitude and latitude of a location; determine a coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; query a database for a plurality of existing data associated with the coordinate grid block; and determine a rate based at least in part on the plurality of existing data and the demographic data, fire station data, or other data associated with a location. | 08-22-2013 |
20130211861 | Methods for Grid-Based Insurance Rating - A method for rating insurance products using a programmed computer system having steps including receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block by truncating a decimal representation of the longitude and latitude of the location; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; setting a ring counter to an initial value; determining a current ring of coordinate grid blocks grid adjacent to and surrounding the target grid block; querying the database for a second set of existing data associated with each coordinate grid block in the current ring of coordinate grid blocks; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set. | 08-15-2013 |
20130179198 | Methods to Determine a Vehicle Insurance Premium Based on Vehicle Operation Data Collected Via a Mobile Device - A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a remote computer receives the collected vehicle operation data from a mobile device and calculates an insurance premium based at least in part on the collected vehicle operation data. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a server receives collected vehicle operation data, a database stores the collected vehicle operation data, and a rating engine determines a vehicle insurance premium based at least in part on collected vehicle operation data. | 07-11-2013 |
20130151288 | Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer - 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. | 06-13-2013 |
20120066005 | SYSTEMS AND METHODS FOR GRID-BASED INSURANCE RATING - A method for rating insurance products using a programmed computer system comprising receiving a coordinate pair including a longitude and a latitude of a location; determining a target coordinate grid block bounded by latitude and longitude lines, wherein the target coordinate grid block encompasses the coordinate pair, querying a database for a target set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair, and calculating a pure premium based at least in part on analyzing the data in the target set. | 03-15-2012 |