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    Vehicle sensor collection of other vehicle information
    21.
    发明授权
    Vehicle sensor collection of other vehicle information 有权

    公开(公告)号：US10991170B1

    公开(公告)日：2021-04-27

    申请号：US15848099

    申请日：2017-12-20

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Joe Harr ,  Brian Fields ,  Steven Cielocha ,  Steve J. Balbach

    IPC: G07C5/00 ,  G06Q40/08

    Abstract: A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, sensor data representing information collected by a sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle, and storing the received sensor data in the memory. The method also includes processing the stored sensor data to determine conditions in which the second vehicle was driven, driving habits of a driver of the second vehicle, and an identifying characteristic of the second vehicle. The method further includes identifying the driver of the second vehicle using the identifying characteristic, and determining a risk level for the driver of the second vehicle using the determined conditions and driving habits.

    System and method for determining and monitoring auto insurance incentives
    25.
    发明授权
    System and method for determining and monitoring auto insurance incentives 有权
    确定和监测汽车保险激励措施的制度和方法

    公开(公告)号：US09418383B1

    公开(公告)日：2016-08-16

    申请号：US14862703

    申请日：2015-09-23

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Gregory Hayward ,  Scott T. Christensen ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

    IPC: G06Q40/00 ,  G06Q40/08 ,  G06Q30/02

    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. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

    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。 例如，该系统可以根据分析修改客户的保险单数据，发送电子邮件，信件，礼品卡，优惠券，积分或其他激励或抑制。

    SYSTEMS AND METHODS FOR IDENTIFYING AND ASSESSING LOCATION-BASED RISKS FOR VEHICLES
    26.
    发明申请
    SYSTEMS AND METHODS FOR IDENTIFYING AND ASSESSING LOCATION-BASED RISKS FOR VEHICLES 审中-公开
    用于识别和评估基于位置的车辆风险的系统和方法

    公开(公告)号：US20150324923A1

    公开(公告)日：2015-11-12

    申请号：US14273093

    申请日：2014-05-08

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Scott Thomas Christensen ,  Gregory Hayward ,  Steven Cielocha ,  Todd Binion

    IPC: G06Q40/08 ,  G06Q10/06

    CPC classification number: G06Q40/08 ,  G06Q10/0635 ,  G06Q30/0266

    Abstract: Methods and systems for improving vehicular safety by notifying vehicle operators of location-based risks are provided. According to embodiments, a processing server may receive an initial location of a vehicle. Based on location data associated with the initial location, the processing server can determine the risk of an incident. The processing server can generate a notification to communicate to the vehicle operator, and the vehicle operator can assess the risk and take action to mitigate the risk, for example by relocating the vehicle. The processing server can receive updated location data for the vehicle and can determine, based on the updated location data, that the risk has been mitigated.

    Abstract translation: 提供了通过车辆运营商通报基于位置的风险来改善车辆安全的方法和系统。 根据实施例，处理服务器可以接收车辆的初始位置。 基于与初始位置相关联的位置数据，处理服务器可以确定事件的风险。 处理服务器可以产生通知以与车辆操作者通信，并且车辆操作者可以评估风险并采取行动来减轻风险，例如通过重新定位车辆。 处理服务器可以接收车辆的更新的位置数据，并且可以基于更新的位置数据来确定风险已被减轻。

    TARGETED ADVERTISING USING VEHICLE INFORMATION
    28.
    发明申请
    TARGETED ADVERTISING USING VEHICLE INFORMATION 审中-公开
    使用车辆信息的目标广告

    公开(公告)号：US20150112800A1

    公开(公告)日：2015-04-23

    申请号：US14057456

    申请日：2013-10-18

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Todd Binion ,  Joe Harr ,  Brian Fields ,  Steven Cielocha ,  Steve Balbach

    IPC: G06Q30/02

    CPC classification number: G06Q30/0255

    Abstract: A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, vehicle data indicative of one or both of (i) a location or route of a vehicle and (ii) operation of the vehicle, storing the received vehicle data in the memory, determining, via the one or more processors and based on the stored vehicle data, a habit or preference of a driver of the vehicle, and causing an advertisement to be selected based on the determined habit or preference.

    Abstract translation: 一种在包括存储器和一个或多个处理器的电子处理系统中实现的方法包括在电子处理系统处接收指示（i）车辆的位置或路线中的一个或两个的车辆数据，以及（ii） 车辆的操作，将接收到的车辆数据存储在存储器中，经由一个或多个处理器和基于存储的车辆数据确定车辆驾驶员的习惯或偏好，并且基于 确定的习惯或偏好。

    TRIP-BASED VEHICLE INSURANCE
    30.
    发明申请
    TRIP-BASED VEHICLE INSURANCE 有权
    基于TRIP的车辆保险

    公开(公告)号：US20140257867A1

    公开(公告)日：2014-09-11

    申请号：US14203015

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Christopher E. Gay ,  Scott Thomas Christensen ,  Gregory Hayward ,  Steven Cielocha ,  Todd Binion

    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: Methods and systems for offering and providing trip-based vehicle insurance are provided. Information is received regarding a vehicle operator and a vehicle, and trip-based insurance policies including quantities of vehicle use units are offered to the customer. Based on selected coverage types, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle use units and may facilitate a purchase transaction with the customer for the insurance policy. Once a policy is selected and purchased, the system and method monitor vehicle use to determine each use of a vehicle use unit. Each vehicle use unit generally corresponds to one vehicle trip, but additional vehicle trip limitations may be added that may result in additional charges when exceeded during the course of a vehicle trip.

    Abstract translation: 提供了提供和提供旅行车辆保险的方法和系统。 收到关于车辆操作员和车辆的信息，并且向客户提供包括车辆使用单元数量的旅行保险单。 根据所选择的覆盖类型，保险提供者可以为具有车辆使用单位量的策略生成保险报价，并且可以促进与客户的保险单的购买交易。 一旦选择和购买政策，系统和方法监测车辆使用情况，以确定每个使用车辆使用单位。 每个车辆使用单元通常对应于一次车辆行程，但是可以添加额外的车辆行驶限制，这可能导致在车辆行驶过程中超出时的额外费用。

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