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    REAL PROPERTY MONITORING SYSTEMS AND METHODS FOR RISK DETERMINATION
    32.
    发明申请
    REAL PROPERTY MONITORING SYSTEMS AND METHODS FOR RISK DETERMINATION 有权

    公开(公告)号：US20210398227A1

    公开(公告)日：2021-12-23

    申请号：US17466722

    申请日：2021-09-03

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Gregory L. Hayward ,  Meghan Sims Goldfarb ,  Nicholas U. Christopulos ,  Erik Donahue

    IPC: G06Q40/08 ,  G06N3/08 ,  G06N20/00

    Abstract: Machine learning techniques for determining a risk level of a target building or other type of real property include receiving data indicative of various historical characteristics of and/or associated with real property, and/or receiving data included in historical, electronic claims pertaining to buildings/real properties, and utilizing the received data to train a machine learning or other model that identifies or discovers risk factors associated with buildings/real properties. The machine learning or other model may be applied to characteristic data associated with the target building/real property to generate risk factors and/or risk indicators of the target building/real property. The techniques may include analyzing the generated risk factors and/or risk indicators to determine a risk level of the target building/real property. The risk factors, risk indicators, and/or risk level may be used for many purposes, such as pricing, quoting, underwriting, or re-underwriting of insurance policies.

    Assigning mobile device data to a vehicle
    33.
    发明授权
    Assigning mobile device data to a vehicle 有权

    公开(公告)号：US11182859B2

    公开(公告)日：2021-11-23

    申请号：US14096709

    申请日：2013-12-04

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Nicholas U. Christopulos ,  Nicholas R. Baker ,  Eric Bellas ,  Benjamin F. Bowne

    IPC: G06Q40/08 ,  G06Q30/02 ,  G01C21/36 ,  G01C21/34

    Abstract: A method for identifying a primary vehicle associated with a user of a mobile device includes receiving an indication of a vehicle entry event from a mobile device and retrieving sensor data from the mobile device. The method further includes receiving an indication of a vehicle exit event from the mobile device, generating a trip log including portions of the sensor data, and storing the trip log in a trip database. A server, or other suitable computing device, then analyzes the trip log and a plurality of previously stored trip logs in the trip database to determine a primary vehicle corresponding to the user of the mobile device. The method may allow a computing device to assign gathered mobile device data to a specific household vehicle.

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