公开(公告)号：WO2023023149A1

公开(公告)日：2023-02-23

申请号：PCT/US2022/040591

申请日：2022-08-17

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： STROILA, Matei ,  ALWAR, Narayanan ,  GIBSON, Timothy W. ,  CHINTAKINDI, Sunil

IPC: H04W4/02 ,  H04W4/029 ,  G06Q40/08

Abstract: Methods, computer-readable media, software, and system may generally build and quantify mobility patterns based on user location data, both at an individual level and an aggregate level. The system may determine the origin and destination data for each trip taken by a user. The system may then define areas of mobility using a mobility graph built from the data. The graph may include nodes and edges. In some examples, the nodes are constructed from the origins and destinations of the trajectories using spatial clustering techniques. Further, the edges between nodes may be constructed based on the trips between them, such as two nodes are connected by an edge if there is at least one trip between them. The edges may be given different weights based on trip frequencies. The system may then determine a region of mobility using the generated mobility graph and data clustering techniques.

公开(公告)号：WO2020069154A1

公开(公告)日：2020-04-02

申请号：PCT/US2019/053192

申请日：2019-09-26

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： CHINTAKINDI, Sunil ,  GIBSON, Timothy W. ,  HAYES, Howard ,  MADIGAN, Regina ,  ROSANWO, Soton Ayodele ,  JOHNSON, Caleb ,  KODALI, Anuradha ,  LIKHTERMAN, Aleksandr ,  NAINALA, Srinivas ,  ORTIZ-ZABALA, Juan

IPC: G06F3/0481 ,  H04W88/02

Abstract: Methods, computer-readable media, systems, and/or apparatuses for providing offer and insight generation functions are provided. For instance, user input may be received requesting generation of an offer. In response to receiving the request, an application may be transmitted to a device, such as a mobile device of a user. In some examples, the application may be executed by the device and may facilitate establishing a communication session with a third party system, identifying and extracting data from the third party system, and transmitting the extracted data to an entity for evaluation. In some examples, evaluation by the entity may include generating one or more insights, outputs and the like. In some arrangements, the evaluation may be performed using machine learning and, in some examples, may be performed in real-time or near real-time.

公开(公告)号：WO2018035241A1

公开(公告)日：2018-02-22

申请号：PCT/US2017/047175

申请日：2017-08-16

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： POLISSON, William ,  MADIGAN, Regina ,  GIBSON, Timothy W. ,  KUMAR, Surender ,  SLUSAR, Mark

IPC: B60W30/182 ,  B60W30/085 ,  B60W30/09 ,  G01C21/34

Abstract: A method, medium, and apparatus for educating and reducing risk to inexperienced drivers using vehicles with autonomous navigation systems. Data regarding a driver's past experience with vehicles and operating environments may be used to proactively warn the driver about a potential danger detected or predicted by the vehicle. An autonomous vehicle may prevent the driver from operating the vehicle under unfamiliar circumstances or from causing a collision. Data regarding a driver's past experience with vehicles and the safety features thereof may be used to mitigate risk of injury or property damage by selectively activating safety features in a new vehicle which the driver has not previously driven. Data regarding a driver's past experience with vehicles and safety features thereof may be used to determine a decreased or increased rental rate for a particular vehicle.

Abstract translation: 一种用于使用具有自主导航系统的车辆来教育和降低对经验不足的驾驶员的风险的方法，媒介和装置。 关于驾驶员对车辆和操作环境的过去经验的数据可以用于主动警告驾驶员车辆检测到或预测到的潜在危险。 自动驾驶车辆可能会阻止驾驶员在陌生的环境下操作车辆或造成碰撞。 关于驾驶员过去使用车辆的经验及其安全特征的数据可用于通过选择性地激活驾驶员以前未驾驶过的新车辆中的安全特征来减轻受伤或财产损失的风险。 关于驾驶员过去的车辆使用经验和安全特征的数据可以用于确定特定车辆的减少或增加的租赁费率。

公开(公告)号：WO2017142931A1

公开(公告)日：2017-08-24

申请号：PCT/US2017/017942

申请日：2017-02-15

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： KUMAR, Surender ,  GIBSON, Timothy W.

IPC: G01C21/00 ,  G01C21/34 ,  G05D1/02

CPC classification number: G06Q40/08 ,  B60W10/04 ,  B60W10/30 ,  B60W30/08 ,  B60W30/10 ,  B60W50/082 ,  B60W50/14 ,  B60W2550/402 ,  B60W2900/00 ,  G05D1/0061 ,  G05D1/0077 ,  G05D2201/0213

Abstract: The disclosure provides an early notification system to alert a driver of an approaching unsafe autonomous or semi-autonomous driving zone so that a driver may switch vehicle to a non-autonomous driving mode and navigate safely through the identified location. In response, to a determination of an upcoming unsafe autonomous or semi-autonomous driving zone, the driver or system may take appropriate actions in response to the early notification.

Abstract translation: 本公开提供了一种早期通知系统，以提醒驾驶员接近不安全的自主或半自动驾驶区域，使得驾驶员可以将车辆切换到非自主驾驶模式并安全地通过所识别的 位置。 作为对即将到来的不安全的自主或半自动驾驶区域的确定的响应，驾驶员或系统可以采取适当的行动以响应早期通知。

公开(公告)号：WO2017146790A1

公开(公告)日：2017-08-31

申请号：PCT/US2016/063527

申请日：2016-11-23

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： MADIGAN, Regina ,  GIBSON, Timothy W.

IPC: G01C21/34 ,  G08G1/123 ,  G06Q40/08

CPC classification number: G01C21/3461 ,  G06Q40/08

Abstract: A system including a computing device may receive base map information and trip request information. The base map information may include a plurality of attribute information associated with a plurality of road segments. The trip request information may include a destination to which a user plans to drive a vehicle. The computing device may determine a route for the user to travel based on the trip request information and base map information. The system might further calculate a risk score for each road segment forming the route, and generate a risk map based on the risk score and the route and cost of insurance along the route. The risk map may then be displayed to a user with alerts communicated on the map or via verbal alerts. The risk map may include markers or other objects depicting potential risks along the route the driver may face. Also, the risk map may be updated based on information collected from multiple sensors coupled to the vehicle, mobile phone or insurance database.

Abstract translation: 包括计算设备的系统可以接收基本地图信息和行程请求信息。 基本地图信息可以包括与多个路段相关联的多个属性信息。 旅程请求信息可以包括用户计划驾驶车辆的目的地。 计算设备可以基于旅行请求信息和基本地图信息来确定用户旅行的路线。 系统可以进一步计算形成路线的每个路段的风险评分，并基于风险评分以及路线上的路线和保险成本生成风险地图。 风险地图然后可以向用户显示在地图上传达的警报或通过口头警报。 风险图可以包括描绘驾驶员可能面对的路线上的潜在风险的标记或其他物体。 而且，可以基于从耦合到车辆，移动电话或保险数据库的多个传感器收集的信息来更新风险地图。

公开(公告)号：WO2017142917A1

公开(公告)日：2017-08-24

申请号：PCT/US2017/017923

申请日：2017-02-15

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： CHINTAKINDI, Sunil ,  MADIGAN, Regina ,  SLUSAR, Mark V. ,  GIBSON, Timothy W.

IPC: G01S17/93

CPC classification number: G08G1/166 ,  B60R21/0134 ,  B60W30/08 ,  G08G1/163 ,  G08G1/164 ,  G08G1/165

Abstract: Systems and methods are disclosed for determining that an adverse driving event is likely to occur and utilizing accident calculus algorithms to determine and cause vehicle driving actions necessary to mitigate consequences of the adverse driving event. After determining that an adverse driving event is likely to occur, a computing device my forecast consequences of the driving event. The computing device may determine potential evasive maneuvers that may be taken responsive to the adverse driving event. Additionally, the computing device may determine consequences associated with the potential evasive maneuvers and assign a weight relative to the consequence. The computing device may compare the potential driving maneuvers based on the weighted consequences to determine a driving maneuver to take.

Abstract translation: 公开了用于确定不利的驾驶事件可能发生的系统和方法，以及利用事故微积分算法来确定和引起必要的车辆驾驶行为以减轻不利驾驶事件的后果。 在确定可能发生不利的驾驶事件之后，计算设备会预测驾驶事件的后果。 计算设备可以确定可能响应于不利驾驶事件而采取的潜在回避操纵。 此外，计算设备可以确定与潜在的回避操纵相关联的后果并且分配相对于后果的权重。 计算设备可以基于加权后果来比较潜在驾驶操纵以确定要驾驶的驾驶操纵。

公开(公告)号：EP3417313A1

公开(公告)日：2018-12-26

申请号：EP17753736.2

申请日：2017-02-15

Applicant: Allstate Insurance Company

Inventor： CHINTAKINDI, Sunil ,  MADIGAN, Regina ,  SLUSAR, Mark V. ,  GIBSON, Timothy W.

IPC: G01S17/93

CPC classification number: G08G1/166 ,  B60R21/0134 ,  B60W30/08 ,  G08G1/163 ,  G08G1/164 ,  G08G1/165

Abstract: Systems and methods are disclosed for determining that an adverse driving event is likely to occur and utilizing accident calculus algorithms to determine and cause vehicle driving actions necessary to mitigate consequences of the adverse driving event. After determining that an adverse driving event is likely to occur, a computing device my forecast consequences of the driving event. The computing device may determine potential evasive maneuvers that may be taken responsive to the adverse driving event. Additionally, the computing device may determine consequences associated with the potential evasive maneuvers and assign a weight relative to the consequence. The computing device may compare the potential driving maneuvers based on the weighted consequences to determine a driving maneuver to take.

公开(公告)号：WO2019028143A1

公开(公告)日：2019-02-07

申请号：PCT/US2018/044814

申请日：2018-08-01

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： KUMAR, Surender ,  MARLOW, Clint J. ,  GIBSON, Timothy W. ,  SLUSAR, Mark V. ,  WIKLUND, Chris

IPC: G05D1/00

Abstract: Event-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises identifying the occurrence of an event, storing first data corresponding to apparatus operation for a first threshold amount of time prior to the event, during the occurrence of the event, and for a second threshold amount of time after the event, determining whether a responsive object is involved in or near the event, in response to determining that the responsive object is involved in or near the event, transmitting the first data to the responsive object, and receiving, from the responsive object, second data, analyzing the first data and the second data to determine a party at-fault for the event, aggregating the first data and second data into an event report, and causing, automatically, a response to be initiated through an entity associated with the party at-fault.

公开(公告)号：WO2018044785A1

公开(公告)日：2018-03-08

申请号：PCT/US2017/048882

申请日：2017-08-28

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： MADIGAN, Regina ,  GIBSON, Timothy W. ,  HAYES, Howard ,  KUMAR, Surender

IPC: G01C21/00 ,  G01C21/34 ,  G01C21/36 ,  G06N5/00

Abstract: Systems and methods are disclosed for determining a navigation route based on the location of a vehicle and generating a recommendation for a vehicle maneuver. The method may comprise determining, based on sensor data received from a location sensor of a mobile device or a vehicle, a location of the vehicle. A computing device may determine a navigation route for navigating the vehicle from the location to a destination, and the navigation route may comprise a plurality of intersections. The computing device may determine a plurality of potential maneuvers at a first intersection of the plurality of intersections. The computing device may also determine, based on one or more factors, a navigation score for each of the plurality of potential maneuvers at the first intersection. Based on the navigation score for each of the plurality of potential maneuvers, the computing device may select a maneuver from the plurality of potential maneuvers to recommend for the vehicle.

Abstract translation: 公开了用于基于车辆的位置确定导航路线并且生成车辆操纵的推荐的系统和方法。 该方法可以包括基于从移动设备或车辆的位置传感器接收的传感器数据来确定车辆的位置。 计算设备可以确定用于将车辆从该位置导航到目的地的导航路线，并且导航路线可以包括多个交叉点。 计算设备可以确定在多个交叉点的第一交叉点处的多个潜在操纵。 计算设备还可以基于一个或多个因素来确定第一路口处的多个潜在操纵中的每一个的导航分数。 基于多个潜在操纵中的每一个的导航分数，计算设备可以从多个潜在操纵中选择操纵以推荐给交通工具。

公开(公告)号：WO2018039150A1

公开(公告)日：2018-03-01

申请号：PCT/US2017/047884

申请日：2017-08-22

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： KRUNIC, Veljko ,  GIBSON, Timothy W. ,  CHINTAKINDI, Sunil ,  HAYES, Howard

IPC: G08G1/0967 ,  G08G1/0968 ,  G01W1/10 ,  G05D1/02 ,  G05D1/00

Abstract: Aspects of the present disclosure describe systems, methods, and devices for automated vehicular control based on glare detected by an optical system of a vehicle. In some aspects, automated control includes controlling the operation of the vehicle itself, a vehicle subsystem, or a vehicle component based on a level of glare detected. According to some examples, controlling the operation of a vehicle includes instructing an automatically or manually operated vehicle to traverse a selected route based on levels of glare detected or expected along potentials routes to a destination. According to other examples, controlling operation of a vehicle subsystem or a vehicle component includes triggering automated responses by the subsystem or the component based on a level of glare detected or expected. In some additional aspects, glare data is shared between individual vehicles and with a remote data processing system for further analysis and action.

Abstract translation: 本公开的各方面描述了用于基于由车辆的光学系统检测到的眩光进行自动车辆控制的系统，方法和设备。 在一些方面，自动控制包括基于检测到的眩光水平来控制车辆本身，车辆子系统或车辆部件的操作。 根据一些示例，控制车辆的操作包括指示自动或手动操作的车辆基于沿到达目的地的电位路线检测到或预期的眩光水平来横越选定路线。 根据其他示例，控制车辆子系统或车辆部件的操作包括基于检测到或预期的眩光水平触发子系统或部件的自动响应。 在另外一些方面，眩光数据在个别车辆之间共享，并与远程数据处理系统共享以进一步分析和采取行动。