-
公开(公告)号：US10723312B1
公开(公告)日：2020-07-28
申请号：US16393350
申请日：2019-04-24
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.
-
公开(公告)号：US10540723B1
公开(公告)日：2020-01-21
申请号：US14798626
申请日：2015-07-14
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: 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.
-
公开(公告)号：US10387962B1
公开(公告)日：2019-08-20
申请号：US14798745
申请日：2015-07-14
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 systems and methods for accident scene reconstruction, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may be analyzed and, based upon the analysis of the accident data, a sequence of events occurring before, during, and/or after the vehicle accident may be determined. Based upon the determined sequence of events, a virtual reconstruction of the vehicle accident and/or a scene of the vehicle accident may be generated. The virtual reconstruction may include images of vehicles and/or road, weather, traffic, or construction conditions at the time of the accident. Based upon the virtual reconstruction, fault of the driver, or lack thereof, for the accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident.
-
24.发明授权公开(公告)号：US10127570B1
公开(公告)日：2018-11-13
申请号：US14954523
申请日：2015-11-30
Inventor： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steven J. Balbach , Brian Mark Fields , Kyle Pott
Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.
-
公开(公告)号：US10102587B1
公开(公告)日：2018-10-16
申请号：US14798770
申请日：2015-07-14
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: G06Q40/08
Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.
-
Patent Agency Ranking
26.发明授权公开(公告)号：US10013697B1
公开(公告)日：2018-07-03
申请号：US14843489
申请日：2015-09-02
Inventor： Kerry Cote , Nicholas R. Baker , Mark E. Clauss , Todd Binion , Andrea Lee Rhoades , Steven J. Balbach , Brian Mark Fields , Kyle Pott
CPC classification number: G06Q30/0207 , B60W40/09 , G06Q30/0208 , G06Q40/08 , G07C5/0808
Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.
-
公开(公告)号：US09626723B2
公开(公告)日：2017-04-18
申请号：US14521708
申请日：2014-10-23
Inventor： Mark E. Clauss , Richard J. Lovings , David W. Thurber
CPC classification number: G06Q40/08 , H04M1/72519 , H04W4/80 , H04W8/08
Abstract: 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.
-
28.发明申请Methods, Devices and Systems for Automatically Triggering Data Collection Events and Collecting Insurance Rating Data 有权用于自动触发数据收集事件和收集保险等级数据的方法，设备和系统公开(公告)号：US20150039349A1
公开(公告)日：2015-02-05
申请号：US14156958
申请日：2014-01-16
Inventor： Mark E. Clauss , Richard J. Lovings , David W. Thurber
IPC: G06Q40/08
CPC classification number: G06Q40/08 , H04M1/72519 , H04W4/80 , H04W8/08
Abstract: 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.
Abstract translation: 本公开的装置，方法，系统和计算机可读介质提供用于保险评级目的的自动数据收集。 特别地，电池供电的蓝牙设备可以附接到被保险人的个人物品。 当移动电话靠近蓝牙设备时，蓝牙设备可以自动地触发移动电话开始存储与使用个人物品有关的数据。 移动电话可以周期地将存储的数据发送到远程服务器。
-
公开(公告)号：US20250050837A1
公开(公告)日：2025-02-13
申请号：US18925350
申请日：2024-10-24
Inventor： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Douglas A. Graff , Megan Michal Baumann , Atlanta Bonnom , Craig Benjamin Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.
-
公开(公告)号：US20230219521A1
公开(公告)日：2023-07-13
申请号：US18123786
申请日：2023-03-20
Inventor： Thomas Michael Potter , Douglas Albert Graff , Mark E. Clauss , Dustin Ryan Carter , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann
CPC classification number: B60R25/04 , B60W40/08 , G08B21/02 , B60R25/102 , G06Q40/08 , G08B25/00 , B60W40/09 , B60W2030/082
Abstract: A method of driver behavior that includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data in real-time. The method also includes analyzing the telematics data to determine whether a driving score for a driver, determining whether the driving score is greater than a threshold value, determining a discount based upon the driving score being higher than the threshold, and generating a communication based upon the discount. The method further includes transmitting the communication.
-
-
-
-
-
-
-
-
-
Search Results
64
records
(took 0.033 seconds)
