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1.发明申请
公开(公告)号：WO2019133970A2
公开(公告)日：2019-07-04
申请号：PCT/US2018/068137
申请日：2018-12-31
Applicant: ALLSTATE INSURANCE COMPANY
Inventor： ALLEN, Rachel Edelshteyn , COLEMAN, Neal Edgar , IREY, Grady
IPC: G06Q10/06
Abstract: A system may determine an initial safety prediction for a driver or rider associated with a shared mobility service. Then the system may receive, from various sensors, sensor data collected during operation of a vehicle. The system may determine a subset of the sensor data related to one or more shared mobility statuses, then determine, based on the subset of the sensor data, a safety score for the driver and/or rider. The system may further perform operations based on the safety score and/or the initial safety prediction.
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公开(公告)号：WO2016122879A1
公开(公告)日：2016-08-04
申请号：PCT/US2016/013192
申请日：2016-01-13
Applicant: ALLSTATE INSURANCE COMPANY
Inventor： BIEMER, Edward A. , IREY, Grady , STYRSKY, Caryl M.
CPC classification number: G06Q40/08 , G06Q10/0635
Abstract: Methods, computer-readable media, systems and apparatuses for implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. In some examples, the consumption rate may be displayed to the user, such as via a mobile device of the user or a vehicle display. Further, in some arrangements, one or more driving modifications to reduce a consumption rate may be determined and provided to the user.
Abstract translation: 介绍了实施基于风险单位的保险单的方法，计算机可读介质，系统和设备。 用户可以接收与保险单相关联的多个风险单位。 风险单元可以存储在与用户，车辆等相关联的风险单位帐户中。在车辆的操作期间，可以接收传感器数据。 传感器数据可以提供与用户的驾驶行为相关联的信息，车辆正在操作的环境条件等。 可以至少部分地基于所接收的传感器数据来确定风险单位的消耗率。 在一些示例中，可以例如经由用户的移动设备或车辆显示器向用户显示消耗速率。 此外，在一些布置中，可以确定并提供用于减少消耗速率的一个或多个驾驶修改。
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3.发明申请
公开(公告)号：WO2019133970A3
公开(公告)日：2019-07-04
申请号：PCT/US2018/068137
申请日：2018-12-31
Applicant: ALLSTATE INSURANCE COMPANY
Inventor： ALLEN, Rachel Edelshteyn , COLEMAN, Neal Edgar , IREY, Grady
Abstract: A system may determine an initial safety prediction for a driver or rider associated with a shared mobility service. Then the system may receive, from various sensors, sensor data collected during operation of a vehicle. The system may determine a subset of the sensor data related to one or more shared mobility statuses, then determine, based on the subset of the sensor data, a safety score for the driver and/or rider. The system may further perform operations based on the safety score and/or the initial safety prediction.
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Patent Agency Ranking
公开(公告)号：WO2019112884A1
公开(公告)日：2019-06-13
申请号：PCT/US2018/063197
申请日：2018-11-30
Applicant: ALLSTATE INSURANCE COMPANY
Inventor： KAZAS, Frank , IREY, Grady , LUNDSGAARD, Soren K. , HULS, Eric D.
IPC: G05D1/00
Abstract: Aspects of the disclosure relate to multicomputer processing of vehicle operational data from telematics devices and other sources with centralized event control. An event control computing platform may receive vehicle operational data from a telematics device associated with a user. Subsequently, the event control computing platform may identify, based on the received data, whether at least one criterion associated with the user has been satisfied. If the received data indicates that the at least one criterion associated with the user has been satisfied, then the event control computing platform may generate a command configured to cause a change to a subunit of user data and then may transmit the generated command to a subunit provisioning server.
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公开(公告)号：WO2018048870A1
公开(公告)日：2018-03-15
申请号：PCT/US2017/050231
申请日：2017-09-06
Applicant: ALLSTATE INSURANCE COMPANY
Inventor： MADIGAN, Regina , FERGUSON, Dana , SLUSAR, Mark , GIBSON, Timothy W. , HAYES, Howard , IREY, Grady
Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit usage-based insurance policies. In some arrangements, sensor data associated with vehicle operation data, driving data, and the like, may be received and analyzed to determine a consumption rate of risk units in the risk unit usage-based insurance policy. In some examples, one or more driving behaviors may also be identified (e.g., from the sensor data, historical data, and the like). In some examples, one or more user interfaces may be generated displaying the determined consumption rate and/or driving behaviors. In some arrangements, additional information, such as one or more recommendations for improving (e.g., reducing) consumption rate may be generated and provided via the generated user interface.
Abstract translation: 用于确定和实施基于风险单位使用的保险单的方法，计算机可读介质，系统和装置。 在一些布置中，可以接收并分析与车辆操作数据，驾驶数据等相关联的传感器数据，以确定基于风险单位使用的保险单中的风险单位的消耗率。 在一些示例中，还可以识别一个或多个驾驶行为（例如，根据传感器数据，历史数据等）。 在一些示例中，可以生成显示所确定的消耗速率和/或驾驶行为的一个或多个用户界面。 在一些布置中，可以生成并通过生成的用户界面来提供诸如用于改善（例如，降低）消耗率的一个或多个建议的附加信息。
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公开(公告)号：WO2016122880A1
公开(公告)日：2016-08-04
申请号：PCT/US2016/013201
申请日：2016-01-13
Applicant: ALLSTATE INSURANCE COMPANY
Inventor： BIEMER, Edward A. , IREY, Grady , STYRSKY, Caryl M.
IPC: G06Q40/08
CPC classification number: G06Q40/08 , B60W10/04 , B60W10/30 , G01C21/3469 , G06Q40/00 , G06Q40/02 , G07C5/008 , G07C5/08 , H04W68/00
Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. If a number of risk units in a risk unit account is below a predetermined threshold, a notification may be transmitted to the user and/or a predetermined number of risk units may be automatically added to the risk unit account.
Abstract translation: 提出了用于确定和实施基于风险单位的保险单的方法，计算机可读介质，系统和装置。 用户可以接收与保险单相关联的多个风险单位。 风险单元可以存储在与用户，车辆等相关联的风险单位帐户中。在车辆的操作期间，可以接收传感器数据。 传感器数据可以提供与用户的驾驶行为相关联的信息，车辆正在操作的环境条件等。 可以至少部分地基于所接收的传感器数据来确定风险单位的消耗率。 如果风险单位帐户中的多个风险单位低于预定阈值，则可以向用户发送通知，和/或可以将预定数量的风险单元自动添加到风险单位帐户。
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公开(公告)号：EP3251074A1
公开(公告)日：2017-12-06
申请号：EP16743838.1
申请日：2016-01-13
Applicant: Allstate Insurance Company
Inventor： BIEMER, Edward A. , IREY, Grady , STYRSKY, Caryl M.
IPC: G06Q40/08
CPC classification number: G06Q40/08 , B60W10/04 , B60W10/30 , G01C21/3469 , G06Q40/00 , G06Q40/02 , G07C5/008 , G07C5/08 , H04W68/00
Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. If a number of risk units in a risk unit account is below a predetermined threshold, a notification may be transmitted to the user and/or a predetermined number of risk units may be automatically added to the risk unit account.
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公开(公告)号：EP3250430A1
公开(公告)日：2017-12-06
申请号：EP16743837.3
申请日：2016-01-13
Applicant: Allstate Insurance Company
Inventor： BIEMER, Edward A. , IREY, Grady , STYRSKY, Caryl M.
CPC classification number: G06Q40/08 , G06Q10/0635
Abstract: Methods, computer-readable media, systems and apparatuses for implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. In some examples, the consumption rate may be displayed to the user, such as via a mobile device of the user or a vehicle display. Further, in some arrangements, one or more driving modifications to reduce a consumption rate may be determined and provided to the user.
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