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公开(公告)号：US10007263B1
公开(公告)日：2018-06-26
申请号：US14934371
申请日：2015-11-06
Inventor： Brian Mark Fields , Chien Che Huang , Mohamed A. Wazeer , Shawn C. Bennett , Steven C. 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
CPC classification number: G06F8/65 , A61B5/02028 , A61B5/4064 , A61B5/4094 , A61B5/6893 , A61B5/7282 , B60W10/04 , B60W30/06 , B60W30/09 , B60W30/0956 , B60W40/08 , B60W40/09 , B60W50/02 , B60W50/0205 , B60W50/045 , B60W50/12 , B60W50/14 , B60W2040/0809 , B60W2040/0818 , B60W2050/0071 , B60W2050/0073 , B60W2050/0077 , B60W2050/0215 , B60W2050/046 , B60W2050/143 , B60W2540/22 , B60W2540/26 , B60W2540/28 , B60W2900/00 , B62D15/0285 , G01C21/3407 , G05D1/0055 , G05D1/0061 , G05D1/0088 , G05D1/0278 , G06Q30/0207 , G06Q30/0217 , G06Q40/08 , G07C5/02 , G07C5/0808 , G08B25/10
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, with the customer's permission, it may be detected by sensors that an occupant of the autonomous or semi-autonomous vehicle is experiencing a medical emergency. A nearby medical facility may be determined based upon the vehicle location and the detected medical emergency. A route from the current vehicle location to the medical facility may be determined, and the autonomous or semi-autonomous vehicle may be automatically directed or routed to the medical facility. A message may also be generated and transmitted to the medical facility to alert them that a person in need of timely medical assistance is on the way. Life and auto insurance discounts may be generated for risk averse customers based upon their vehicles having the emergency response functionality.
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公开(公告)号：US09908530B1
公开(公告)日：2018-03-06
申请号：US15229926
申请日：2016-08-05
Inventor： Brian Mark Fields , Steve Roberson , Aaron Scott Chan , Kenneth Jason Sanchez , Matthew Christopher Jon Donovan
CPC classification number: B60W40/08 , B60K28/06 , B60K28/066 , B60W2040/0818 , B60W2040/0872 , B60W2040/089 , B60W2520/00 , B60W2520/105 , B60W2520/125 , B60W2540/02 , B60W2540/22 , B60W2550/12 , B60W2550/20 , B60W2550/308 , B61L15/009 , G06K9/00845 , G06Q40/08 , G08B21/02 , G08B21/06 , H04L67/12 , H04L67/306 , H04W4/04 , H04W4/38
Abstract: The method, system, and computer-readable medium cause the monitoring of a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired and causes a mitigating response when an impairment is determined to exist. The vehicle operator, the environment surrounding the vehicle, or forces acting on the vehicle may be monitored using a variety of sensors, including optical sensors, accelerometers, or biometric sensors (e.g., skin conductivity, heart rate, or voice modulation). When the vehicle operator is determined to be impaired, an alert or other mitigating response is implemented, based on the sensor data. In some embodiments, mitigating actions may be taken to avoid vehicle operator impairment. In further embodiments, a training period may be used to generate a profile for the vehicle operator. In yet further embodiments, information regarding multiple types of impairments may be used to determine and implement an appropriate mitigating response.
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公开(公告)号：US20170132712A1
公开(公告)日：2017-05-11
申请号：US15414157
申请日：2017-01-24
Inventor： Benjamin F. Bowne , Jufeng "James" Peng , Nicholas R. Baker , Duane Lee Marzinik , Matthew Eric Riley , Nick U. Christopulos , Brian Mark Fields , J Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
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公开(公告)号：US09586591B1
公开(公告)日：2017-03-07
申请号：US14703482
申请日：2015-05-04
Inventor： Brian Mark Fields , Steve Roberson , Abhishek Harish , Hyunji Lim , Matthew James Waughtel , Bryan Allen Plummer , Parker Andrew Brown
CPC classification number: G09B19/167 , B60K35/00 , B60K2350/1004 , B60K2350/1024 , B60K2350/1076 , B60K2350/2052 , B60K2350/357 , B60W40/09 , B60W50/14 , B60W2050/146 , B60W2550/402 , G09B5/00 , G09G5/003 , G09G2370/16 , G09G2380/10
Abstract: In an embodiment, movement-data is gathered with one or more sensors (e.g., accelerometers, GPS receivers, etc.) during a driver's driving session. A score may be calculated for the driving session, and the driver's progress is evaluated by a driver-evaluation system. A driving session report or graphical user-interface (GUI) is generated with a computer processor and displayed at a display device. The displayed report or GUI includes a graphic representing the driver's progress relative to historical data.
Abstract translation: 在一个实施例中，在驾驶员驾驶期间，运动数据与一个或多个传感器（例如，加速度计，GPS接收器等）一起收集。 可以为驾驶课程计算分数，驾驶员评估系统评估驾驶员的进度。 使用计算机处理器生成驾驶会话报告或图形用户界面（GUI）并在显示装置处显示。 所显示的报告或GUI包括表示驾驶员相对于历史数据的进度的图形。
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45.发明授权System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment 有权基于有关潜在车辆操作人员损失的实时数据调整保险费率的制度和方法公开(公告)号：US09165326B1
公开(公告)日：2015-10-20
申请号：US14484922
申请日：2014-09-12
Inventor： Jibo He , Brian Mark Fields , Steve Roberson , Steve C. Cielocha , Jufeng Peng , Julian Coltea
CPC classification number: G06Q40/08 , A61B5/18 , B60K28/066 , B60W40/08 , B60W2040/0818 , B60W2040/0827 , B60W2040/0836 , B60W2040/0845 , G06N99/005 , G06Q30/0201 , G07C5/008
Abstract: A method includes receiving data about potential impairment of a vehicle operator, wherein the data about potential impairment is generated by: (i) a first optical sensor monitoring a vehicle operator, and (ii) a second optical sensor monitoring an environment ahead of a vehicle operated by the vehicle operator. The computer-implemented method further includes assigning a plurality of scores based on the data about potential vehicle operator impairment, wherein each of the plurality of scores corresponds to a respective impairment indicator, determining an impairment score by performing a mathematical operation on the plurality of scores, and providing the impairment score to a remote device configured to alert the vehicle operator based on the impairment score.
Abstract translation: 一种方法包括接收关于车辆操作者的潜在的损害的数据，其中关于潜在的损害的数据是通过以下方式产生的：（i）监测车辆操作者的第一光学传感器和（ii）监测车辆前方的环境的第二光学传感器 由车辆操作员操作。 计算机实现的方法还包括基于关于潜在的车辆运营商减值的数据分配多个分数，其中多个分数中的每个分数对应于相应的减值指标，通过对多个分数执行数学运算来确定减值分数 ，并且将所述减值分数提供给被配置为基于所述损害分数警告所述车辆操作者的远程设备。
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Patent Agency Ranking
46.发明授权Methods using a mobile device to provide data for insurance premiums to a remote computer 有权使用移动设备向远程计算机提供保险费数据的方法公开(公告)号：US08930231B2
公开(公告)日：2015-01-06
申请号：US13763050
申请日：2013-02-08
Inventor： Benjamin F. Bowne , Jufeng “James” Peng , Nicholas R. Baker , Duane Lee Marzinzik , Matthew Eric Riley, Sr. , Nick U. Christopulos , Brian Mark Fields , J Lynn Wilson , Bryan T. Wilkerson , David W. Thurber
CPC classification number: G06Q40/08 , B60W40/09 , G01C21/3676 , G01C21/3697 , G01S19/13 , G06Q10/0639 , G06Q10/0833 , G06Q30/0283 , G06Q40/04 , G07C5/008 , G07C5/08 , G07C5/0858 , H04L67/12 , H04W4/026 , H04W4/046
Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.
Abstract translation: 一种用于至少部分地基于收集的车辆操作数据向远程计算机或服务器提供车辆操作数据一段时间的计算车辆保险费的方法，其中所述方法包括以下步骤：经由移动站收集车辆操作数据 所述移动设备与操作车辆相关联，其中所述车辆操作数据具有保险风险预测能力; 以及将所收集的车辆操作数据从所述移动设备发送到远程计算机。 远程计算机或服务器接收收集的车辆操作数据，将收集的车辆操作数据存储在数据库中，至少部分地基于收集的车辆操作数据，经由评级引擎来确定车辆保险费。
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公开(公告)号：US20250104158A1
公开(公告)日：2025-03-27
申请号：US18975723
申请日：2024-12-10
Inventor： Brian Mark Fields , Aaron Williams , Kristopher Keith Gaudin
Abstract: Systems and approaches relate to, inter alia, identifying customer opportunities. The systems and approaches may monitor a plurality of routes traversed by a vehicle. The systems and approaches may then access historical route data for the plurality travel routes. The systems and approaches may further calculate a risk index based on the historical route data, and determine at least one customer opportunity based on the calculated risk index.
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公开(公告)号：US20250044794A1
公开(公告)日：2025-02-06
申请号：US18923277
申请日：2024-10-22
Inventor： Brian Mark Fields , Kristopher Keith Gaudin , Leo Nelson Chan , Aaron Williams
Abstract: Vehicles may have the capability to navigate according to various levels of autonomous capabilities, the vehicle having a different set of autonomous competencies at each level. In certain situations, the vehicle may shift from one level of autonomous capability to another. The shift may require more or less driving responsibility from a human operator. Sensors inside the vehicle collect human operator parameters to determine an alertness level of the human operator. An alertness level is determined based on the human operator parameters and other data including historical data or human operator-specific data. Notifications are presented to the user based on the determined alertness level that are more or less intrusive based on the alertness level of the human operator and on the urgency of an impending change to autonomous capabilities. Notifications may be tailored to specific human operators based on human operator preference and historical performance.
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公开(公告)号：US20250037572A1
公开(公告)日：2025-01-30
申请号：US18908709
申请日：2024-10-07
Inventor： Brian Mark Fields , Steve Roberson
Abstract: An alert may be triggered to notify a pedestrian of the current operational mode of a nearby vehicle. For instance, a vehicle may operate in an autonomous or manual mode, and may occasionally switch from one mode to the other. A pedestrian who may be unaware of the current operational mode of a nearby vehicle may notice the alert and proceed accordingly. In one embodiment, an indication of the current operational mode of the nearby vehicle may be transmitted to an electronic device associated with the pedestrian. The device may generate a notification to the pedestrian based on the current operational mode. In an additional or alternative embodiment, the alert may be transmitted by the vehicle externally to be visible or audible to the pedestrian. In some embodiments, the alert may be triggered only for particular operational modes (e.g., only for autonomous or only for manual).
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公开(公告)号：US20240412294A1
公开(公告)日：2024-12-12
申请号：US18234472
申请日：2023-08-16
Inventor： Joseph Robert Brannan , Vicki King , Brian Mark Fields , Nathan L. Tofte
Abstract: The following relates generally to AI-based review of insurance claims complaints. In some embodiments, one or more processors: (1) receive, via a chatbot, an insurance claim complaint; (2) categorize, via the chatbot, the insurance claim complaint by determining a category of the insurance claim complaint, the category comprising a tone category or a policy category; (3) build, via the chatbot, a complaint report including information of the insurance claim complaint and an indication of the category; and/or (5) send, via the chatbot, the complaint report to an insurance complaint administrator computing device.
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