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公开(公告)号：US11175660B1
公开(公告)日：2021-11-16
申请号：US16238911
申请日：2019-01-03
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A Wazeer , Shawn C Bennett , Steven Cielocha , Ronny S Bryant , Stephen Kohaus , Terry Quakenbush , Richard A Novak , Aaron Scott Chan , Craig M Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: G05D1/00 , B60W50/12 , B60W30/095 , B60W40/09 , B60W30/09 , B60W50/14 , G06Q40/08 , B60W50/00 , B60W40/08
Abstract: A computer-implemented method for operating an autonomous or semi-autonomous vehicle may include identifying a vehicle operator and retrieving an associated vehicle operator profile. Operating data regarding operation of the autonomous or semi-autonomous vehicle may be received that includes data from sensors disposed within the vehicle. When a request to enable an autonomous operation feature is received, (i) autonomous operation risk levels associated with vehicle operation by the autonomous operation feature based upon the received operating data, and (ii) operator risk levels associated with vehicle operation by the vehicle operator based upon the vehicle operator profile are determined. Autonomous operation feature enablement may be allowed based upon a comparison of (i) autonomous operation risk levels with (ii) operator risk levels. As a result, only safe autonomous feature engagement may be facilitated, and risk averse vehicle owners may receive insurance discounts based upon this safe autonomous feature engagement functionality.
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公开(公告)号：US10332211B1
公开(公告)日：2019-06-25
申请号：US15060164
申请日：2016-03-03
Inventor： Steven Cielocha
Abstract: A computer-implemented method for determining a risk rating of a vehicle. The method includes receiving information indicative of protections against unauthorized electronic access to one or more electronic systems of a vehicle. The method includes determining a vehicle security level based at least on the information indicative of protections against unauthorized electronic access. The method includes determining a risk rating associated with the vehicle. The method includes setting at least one parameter of an insurance policy associated with the vehicle based on at least the determined risk rating.
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公开(公告)号：US09734537B2
公开(公告)日：2017-08-15
申请号：US14203344
申请日：2014-03-10
Inventor： Scott T. Christensen , Gregory Hayward , Christopher E. Gay , Steven Cielocha , Todd Binion
CPC classification number: G06Q40/08 , B60C1/00 , B60Q1/00 , B60R25/20 , G06Q30/0207 , G06Q30/0208 , G06Q40/00 , G07C5/00 , G07C5/008
Abstract: 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.
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公开(公告)号：US09275417B2
公开(公告)日：2016-03-01
申请号：US14718338
申请日：2015-05-21
Inventor： Todd Binion , Joe Harr , Brian Mark Fields , Steven Cielocha , Steve J. Balbach
IPC: G01M17/00 , G06Q40/08 , G07C5/08 , G07C5/00 , G01S13/02 , G01S15/02 , G01S17/02 , G06T13/80 , B60R21/00 , G08G1/16 , B60W50/00
CPC classification number: G08G1/162 , B60R21/00 , B60R2021/0027 , B60R2300/302 , B60W40/10 , B60W2050/0089 , G01S13/02 , G01S15/02 , G01S17/02 , G06Q40/08 , G06T13/80 , G07C5/008 , G07C5/085 , G07C5/0858 , G07C5/0866 , G07C5/0891 , G07C5/12 , G08G1/01 , G08G1/166
Abstract: 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, external data including a second plurality of data points indicative of an additional plurality of respective states of the external environment, and synchronization data. The external data is data that was received by the vehicle from a handheld mobile communication device of a pedestrian external to the vehicle via a wireless link, and is indicative of objects sensed by the handheld mobile communication device. 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.
Abstract translation: 一种方法包括在多个相应时刻接收和存储包括指示车辆外部的环境的多个相应状态的第一多个数据点的传感器数据，包括指示附加多个的第二多个数据点的外部数据 的外部环境的状态和同步数据。 外部数据是通过无线链路从车辆外部的行人的手持移动通信装置接收的数据，并且表示由手持式移动通信装置感测到的对象。 该方法还包括使用存储的数据生成涉及车辆的事件的动画重新创建，并且使事件的动画重新创建被显示。
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15.发明授权公开(公告)号：US09208525B2
公开(公告)日：2015-12-08
申请号：US14203356
申请日：2014-03-10
Inventor： Gregory Hayward , Scott T. Christensen , Christopher E. Gay , Steven Cielocha , Todd Binion
CPC classification number: G06Q40/08 , B60C1/00 , B60Q1/00 , B60R25/20 , G06Q30/0207 , G06Q30/0208 , G06Q40/00 , G07C5/00 , G07C5/008
Abstract: 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.
Abstract translation: 计算机系统或计算机实现的方法可以向保险客户提供激励以接收指示在策略期间降低风险和风险增加行为的传感器数据。 车载传感器或其他设备可以在策略术语期间收集有关车辆及其使用的信息，并将信息发送到后端系统进行分析。 基于该分析，后端系统可以确定所接收的信息表示降低风险或增加行为。 在确认信息指示减少风险或增加行为后，后端系统可以执行由一组规则定义的一个或多个动作，以对与该行为相对应的客户建立激励或抑制。
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Patent Agency Ranking
16.发明申请Adjusting Insurance Policies Based on Common Driving Routes and Other Risk Factors 审中-公开基于共同驾驶路线和其他风险因素调整保险政策公开(公告)号：US20140257869A1
公开(公告)日：2014-09-11
申请号：US14203143
申请日：2014-03-10
Inventor： Todd Binion , Steven Cielocha , Scott Thomas Christensen , Gregory Hayward , Christopher E. Gay
IPC: G06Q40/08
CPC classification number: G06Q40/08 , B60C1/00 , B60Q1/00 , B60R25/20 , G06Q30/0207 , G06Q30/0208 , G06Q40/00 , G07C5/00 , G07C5/008
Abstract: 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.
Abstract translation: 一种用于提供保险的计算机实现方法包括接收包括起始点，终点和频率值的多个车辆数据。 该方法还包括分析多个车辆数据以确定与车辆相关联的驾驶路线。 该方法还包括基于频率值确定驾驶路线是公共驾驶路线和公共驾驶路线的风险水平。 该方法还包括至少部分地基于公共驾驶路线的风险水平来处理一个或多个保险期权，包括定价和承保。
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公开(公告)号：US20240391433A1
公开(公告)日：2024-11-28
申请号：US18798238
申请日：2024-08-08
Inventor： Kristopher Keith Gaudin , Roxane Lyons , William J. Leise , John A. Nepomuceno , Rajiv C. Shah , Edward P. Matesevac, III , Jennifer Criswell Kellett , Jeremy Myers , Matthew S. Megyese , Leo Nelson Chan , Steven Cielocha , Jennifer L. Crawford
IPC: B60T8/172 , B60T8/17 , B60T8/1755 , B60W40/06 , B60W50/14 , F16H59/66 , G01N19/02 , G01W1/10 , G06T7/41
Abstract: Systems and methods are disclosed for estimating slipperiness of a road surface. This estimate may be obtained using an image sensor mounted on a vehicle. The estimated road slipperiness may be utilized when calculating a risk index for the road, or for an area including the road. If a predetermined threshold for slipperiness is exceeded, corrective actions may be taken. For instance, warnings may be generated to human drivers that are in control of driving vehicle, and autonomous vehicles may automatically adjust vehicle speed based upon road slipperiness detected.
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公开(公告)号：US11500377B1
公开(公告)日：2022-11-15
申请号：US16750038
申请日：2020-01-23
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven Cielocha , Ronny S. Bryant , Stephen Kohaus , Terry Quakenbush , Richard A. Novak , Aaron Scott Chan , Craig M. Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: G06Q40/08 , B60W30/09 , G05D1/00 , B60W50/12 , B60W40/09 , B60W30/095 , B60W50/14 , B60W50/00 , B60W40/08
Abstract: According to certain aspects, a computer-implemented method for operating an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, an identity of a vehicle operator may be identified and a vehicle operator profile may be retrieved. Operating data regarding autonomous operation features operating the vehicle may be received from vehicle-mounted sensors. When a request to disable an autonomous feature is received, a risk level for the autonomous feature is determined and compared with a driver behavior setting for the autonomous feature stored in the vehicle operator profile. Based upon the risk level comparison, the autonomous vehicle retains control of vehicle or the autonomous feature is disengaged depending upon which is the safer driver—the autonomous vehicle or the vehicle human occupant. As a result, unsafe disengagement of self-driving functionality for autonomous vehicles may be alleviated. Insurance discounts may be provided for autonomous vehicles having this safety functionality.
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公开(公告)号：US11494175B2
公开(公告)日：2022-11-08
申请号：US17075828
申请日：2020-10-21
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A Wazeer , Shawn C Bennett , Steven Cielocha , Ronny S Bryant , Stephen Kohaus , Terry Quakenbush , Richard A Novak , Aaron Scott Chan , Craig M Main , Weixin Wu , Torri Wollenschlager , Carol Marie Csanda , Stacey Gorsuch , Todd Binion
IPC: B60W50/02 , B60W40/09 , G06F8/65 , B60W50/04 , G06Q40/08 , B60W40/02 , G08G1/14 , G05D1/02 , B60W60/00 , G06Q30/02 , B60K35/00 , G08G1/09 , G08G1/0962 , B60W10/04 , B60W30/06 , B62D15/02 , G05D1/00 , A61B5/02 , A61B5/00 , G01C21/34 , G08B25/10 , B60W40/08 , B60W50/12 , B60W30/09 , B60W30/095 , B60W50/14 , G07C5/02 , G07C5/08 , B60W50/00
Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for real-time determination of the status of autonomous operation features of an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, the operation of the autonomous or semi-autonomous vehicle may be monitored to obtain operating data from one or more autonomous operation features. An operating status of the autonomous features may be determined based upon the operating data. After which, a change in the operating status of the autonomous features may be identified, and a report containing information regarding the change in the operating status of the autonomous features may be generated. Insurance discounts may be provided to risk averse customers that maintain their autonomous vehicles, and associated accident avoidance functionality, in good working condition.
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公开(公告)号：US11068989B2
公开(公告)日：2021-07-20
申请号：US14203143
申请日：2014-03-10
Inventor： Todd Binion , Steven Cielocha , Scott Thomas Christensen , Gregory Hayward , Christopher E. Gay
IPC: G06Q40/08 , B60Q1/00 , G06Q40/00 , B60R25/20 , G07C5/00 , H04W4/40 , G08G1/0968 , G06Q10/06 , G06Q30/02 , B60C1/00
Abstract: 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.
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