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公开(公告)号：US12159317B2
公开(公告)日：2024-12-03
申请号：US17887982
申请日：2022-08-15
Inventor： Brian Mark Fields , Steven C. Cielocha , Jacob J. Alt , Laura A. Uphoff , Leo Nelson Chan , Mohamed A. Wazeer , Kristopher Keith Gaudin , Justin Davis , Nathan W. Baumann , Giles Roll
IPC: G08G1/0967 , B60Q9/00 , B60T17/22 , G06F18/214 , G06Q40/08 , G06Q50/00 , G06V20/58 , G07C5/00 , G07C5/02 , G07C5/08 , G08G1/01 , G08G1/07 , G08G1/0968 , G08G1/16 , G09B9/052 , G09B19/14 , H04N5/33 , H04N7/18 , H04N23/65 , H04W4/02 , H04W4/024 , H04W4/44 , H04W4/46 , G06N20/00
Abstract: Methods and systems are described for generating a vehicle-to-vehicle traffic alert and updating a vehicle-usage profile. Various aspects include detecting, via one or more processors associated with a first vehicle, that an abnormal traffic condition exists in an operating environment of the first vehicle. An electronic message is generated and transmitted wirelessly, via a vehicle-mounted transceiver associated with the first vehicle, to alert a nearby vehicle of the abnormal traffic condition and to allow the nearby vehicle to avoid the abnormal traffic condition. The first vehicle receives telematics data regarding operation of the nearby vehicle after the nearby vehicle received the electronic message, and transmits the telematics data to a remote server for updating a vehicle-usage profile associated with the nearby vehicle.
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12.发明授权公开(公告)号：US12062097B1
公开(公告)日：2024-08-13
申请号：US16838485
申请日：2020-04-02
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06V20/40 , B64C39/02 , B64D47/08 , G01C11/02 , G06F18/22 , G06Q40/08 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/73 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , H04N5/44 , H04N7/18 , B64U10/00 , B64U101/00 , B64U101/30
CPC classification number: G06Q40/08 , B64C39/024 , B64D47/08 , G01C11/02 , G06F18/22 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/75 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , G06V20/41 , H04N5/44 , H04N7/185 , B64U10/00 , B64U2101/00 , B64U2101/30 , G06T2207/10032 , G06T2207/30232 , G06T2207/30236 , G06T2207/30252 , G06T2215/16 , G06V20/44
Abstract: Various techniques are described utilizing one or more unmanned aerial vehicles (UAVs, or “drones”) for various disaster and/or catastrophe-related purposes. UAVs may collect data in an attempt to predict the occurrence and/or extent of a catastrophe and/or to mitigate the impact of a catastrophe before and, if not at that time, once it has occurred. The UAVs may perform various tasks such that the damage to property caused by a catastrophe (or potential catastrophe) may be eliminated or mitigated. A UAV may receive a flight path based on an energy consumption related condition and operate based on the flight path. Operating based on the flight path includes docking the UAV with a power supply device for charging a power source of the UAV.
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公开(公告)号：US12020330B2
公开(公告)日：2024-06-25
申请号：US17723908
申请日：2022-04-19
Inventor： Nathan L. Tofte , Timothy W Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08 , B64C39/02 , B64D47/08 , G01C11/02 , G06F18/22 , G06Q40/00 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/73 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , G06V20/40 , H04N5/44 , H04N7/18 , B64U10/00 , B64U101/00 , B64U101/30
CPC classification number: G06Q40/08 , B64C39/024 , B64D47/08 , G01C11/02 , G06F18/22 , G06Q40/00 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/75 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , G06V20/41 , H04N5/44 , H04N7/185 , B64U10/00 , B64U2101/00 , B64U2101/30 , G06T2207/10032 , G06T2207/30232 , G06T2207/30236 , G06T2207/30252 , G06T2215/16 , G06V20/44
Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the state of the traffic light at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation.
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公开(公告)号：US11710191B2
公开(公告)日：2023-07-25
申请号：US17723900
申请日：2022-04-19
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant , Michael Shawn Jacob
IPC: G06Q40/00 , G06Q40/08 , G06T7/73 , G06T7/20 , H04N5/44 , H04N7/18 , G06T7/246 , G06T7/00 , G06V20/10 , G06V20/40 , G06F18/22 , G06V10/42 , G01C11/02 , G06T11/60 , G06T17/05 , B64C39/02 , B64D47/08 , B64U10/00 , B64U101/00 , B64U101/30
CPC classification number: G06Q40/08 , B64C39/024 , B64D47/08 , G01C11/02 , G06F18/22 , G06Q40/00 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/75 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , G06V20/41 , H04N5/44 , H04N7/185 , B64U10/00 , B64U2101/00 , B64U2101/30 , G06T2207/10032 , G06T2207/30232 , G06T2207/30236 , G06T2207/30252 , G06T2215/16 , G06V20/44
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding a property, and collect data related to property. A location for an inspection of a property to be conducted by a UAV may be received, and one or more images depicting a view of the location may be displayed via a user interface. Additionally, a geofence boundary may be determined based on an area corresponding to a property boundary, where the geofence boundary represents a geospatial boundary in which to limit flight of the UAV. Furthermore, a navigation route may be determined which corresponds to the geofence boundary for inspection of the property by the UAV, the navigation route having waypoints, each waypoint indicating a location for the UAV to obtain drone data. The UAV may be directed around the property using the determined navigation route.
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15.发明授权公开(公告)号：US11565654B2
公开(公告)日：2023-01-31
申请号：US17081623
申请日：2020-10-27
Inventor： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Douglas Albert Graff , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
IPC: G06Q40/00 , B60R25/04 , G08B25/00 , G06Q40/08 , B60R25/102 , B60W40/09 , B60W40/08 , G08B21/02 , B60W30/08
Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
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Patent Agency Ranking
公开(公告)号：US11069221B1
公开(公告)日：2021-07-20
申请号：US16685470
申请日：2019-11-15
Inventor： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann , Douglas Albert Graff
Abstract: A method of responding to a vehicle accident includes receiving data indicating that vehicle is involved in an accident. The method further includes transmitting a communication to a mobile device of a user in response to receiving the data. Still further, the method includes displaying the communication via a mobile device application on the mobile device, the communication prompting the user to provide responses to one or more questions regarding the accident. The method further includes determining a likely severity of the accident based on the received data, receiving an indication of a response to the one or more questions from the user, and, based on the determination of the likely severity of the accident and the received indication of the response, prompting the user with an emergency assistance recommendation. In addition, the method further includes performing one or more assessments based on the determination of the likely severity of the accident, the one or more assessments including determining damage to the vehicle, repairs needed for the vehicle, or fault of the user for the accident.
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公开(公告)号：US10974693B1
公开(公告)日：2021-04-13
申请号：US16843517
申请日：2020-04-08
Inventor： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Douglas Albert Graff , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
Abstract: In system and methods for theft prevention or mitigation, driver-related data associated with one or more authorized drivers of an insured vehicle may be collected over time. The authorized drivers and the insured vehicle may be covered by an insurance policy issued by an insurance provider. Based upon the collected driver-related data, a database associated with the authorized drivers may be built. Current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle may be collected. It may be determined, using both the database and the current driver-related data, that the individual is not among the authorized drivers. A disablement of an operation of the insured vehicle may be caused, and/or the individual may be caused to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle.
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公开(公告)号：US10535103B1
公开(公告)日：2020-01-14
申请号：US14858699
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08
Abstract: The present embodiments relate to detecting fraudulent insurance claims. According to certain aspects, a central monitoring server may receive and examine data detected by at least one unmanned vehicle and generate an estimated insurance claim for a loss event. The central monitoring server may then receive an actual insurance claim relating to the loss event, and may compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim. If buildup is detected, the central monitoring server may then process the actual insurance claim accordingly based upon the potential buildup. As a result, claim monies may be paid to insureds that more accurately reflect actual losses resulting from the loss event, and insurance cost savings may be ultimately passed onto typical insurance customers.
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公开(公告)号：US10410289B1
公开(公告)日：2019-09-10
申请号：US14858075
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding an insured or potentially insured asset, such as with the insurance customer's permission, and collect data related to the insured or potentially insured asset, such as size, height, roof shape, materials (siding, roofing), etc. which may form a basis of the underwriting detail used to evaluate a property. The drone data may reveal site characteristics, such as slope or grade of a parcel; the proximity to other structures (and their uses); trees; rivers; coastlines; and earthquake faults. The drone data may be used by an insurance provider remote server to assess the risk associated with an insured asset, generate or modify an insurance premium or discount, etc. The drone data may also be used to mitigate risk and prevent loss by alerting policyholders of the risk such that corrective action may be taken.
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公开(公告)号：US10102589B1
公开(公告)日：2018-10-16
申请号：US14858076
申请日：2015-09-18
Inventor： Nathan L. Tofte , Timothy W. Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and/or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.
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