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公开(公告)号：US10824144B1
公开(公告)日：2020-11-03
申请号：US16509605
申请日：2019-07-12
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 , G06Q40/08 , B60W50/14 , B60W30/095 , B60W40/09 , B60W30/09 , B60W50/12 , 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：US10176530B1
公开(公告)日：2019-01-08
申请号：US15443936
申请日：2017-02-27
Inventor： Gregory Hayward , Scott T. Christensen , Christopher E. Gay , Steven Cielocha , Todd Binion
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.
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公开(公告)号：US10140417B1
公开(公告)日：2018-11-27
申请号：US15237832
申请日：2016-08-16
Inventor： Todd Binion , Joe Harr , Brian Fields , Steven Cielocha , Steve J. Balbach
IPC: G06F17/50
Abstract: A method includes receiving external data including a plurality of data points indicative of a plurality of respective states of an environment external to a vehicle. The external data is data that was received by the vehicle from a handheld mobile communication device external to the vehicle (e.g., a mobile communication device of a pedestrian) via a wireless link, and is indicative of objects sensed by the handheld mobile communication device. The method also includes storing the external data in a memory, generating a virtual model of an event (e.g., accident) involving at least one vehicle using the stored plurality of data points, and causing the virtual model of the event to be displayed.
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公开(公告)号：US10121203B2
公开(公告)日：2018-11-06
申请号：US14273093
申请日：2014-05-08
Inventor： Scott Thomas Christensen , Gregory Hayward , Steven Cielocha , Todd Binion
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.
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公开(公告)号：US20170292848A1
公开(公告)日：2017-10-12
申请号：US15482290
申请日：2017-04-07
Inventor： John A. Nepomuceno , Rajiv C. Shah , Leo Nelson Chan , Steven Cielocha , Roxane Lyons , Matthew S. Megyese , William J. Leise , Jennifer Criswell Kellett , Kristopher Keith Gaudin , Jennifer L. Crawford , Jeremy Myers , Edward P. Matesevac, III
IPC: G01C21/34
CPC classification number: G01C21/3492 , G01C21/3461
Abstract: Systems and methods relate to, inter alia, calculating a number of expected collisions in an area over a time period. The systems and methods may further determine a number of observed collisions in the area over the time period. The systems and methods may further calculate a risk index for the area based upon a comparison between the number of expected collisions and the number of observed collisions. The systems and methods may further select a travel route for a vehicle based upon the risk index.
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Patent Agency Ranking
公开(公告)号：US09361650B2
公开(公告)日：2016-06-07
申请号：US14057435
申请日：2013-10-18
Inventor： Todd Binion , Joe Harr , Brian Fields , Steven Cielocha , Steve J. Balbach
IPC: G08G1/16 , G08G1/01 , G07C5/00 , G07C5/08 , G07C5/12 , G06T13/80 , G06Q40/08 , B60R21/00 , B60W50/00 , G01S13/02 , G01S15/02 , G01S17/02
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, operational data including a second plurality of data points indicative of a plurality of respective states of an operational parameter of the vehicle at a plurality of respective times, and synchronization data. The method also includes generating a virtual model of an event involving the vehicle using the stored data, at least by generating a first visual representation of the plurality of respective states of the external environment, generating a second visual representation of the plurality of respective states of the operational parameter, and using the synchronization data to cause the first visual representation to be displayed simultaneously with, and in a time-aligned manner with, the second visual representation.
Abstract translation: 一种方法包括在多个相应时刻接收和存储包括表示车辆外部环境的多个相应状态的第一多个数据点的传感器数据，操作数据包括指示多个数据点的第二多个数据点 在多个时刻的车辆的操作参数的各个状态和同步数据。 该方法还包括至少通过产生外部环境的多个相应状态的第一视觉表示来生成涉及使用存储的数据的车辆的事件的虚拟模型，生成多个相应状态的第二视觉表示 所述操作参数以及使用所述同步数据以使所述第一视觉表示与所述第二视觉表示同时且以时间对齐的方式显示。
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公开(公告)号：US20150112730A1
公开(公告)日：2015-04-23
申请号：US14057419
申请日：2013-10-18
Inventor： Todd Binion , Joe Harr , Brian Fields , Steven Cielocha , Steve J. Balbach
Abstract: A method includes receiving first sensor data representing information collected, during a first time period, by a sensor located on or in a vehicle configured to sense an environment external to the vehicle, storing the data in a memory, processing the data to determine a first set of one or more characteristics of the external environment, and determining, based on the first set of characteristics, a first risk indicator representing a risk of loss during the first time period. The method also includes receiving second sensor data representing information collected, during a second time period, by the sensor, storing the data in the memory, and processing the data to determine a second set of one or more characteristics of the external environment. The method also includes determining, based on the second set of characteristics, a second risk indicator representing a risk of loss during the second time period.
Abstract translation: 一种方法包括接收第一传感器数据，所述第一传感器数据表示在第一时间段期间由位于车辆上或车辆中的传感器收集的信息，所述传感器被配置为感测车辆外部的环境，将数据存储在存储器中，处理数据以确定第一 设置外部环境的一个或多个特征，以及基于第一组特征确定代表第一时间段内的损失风险的第一风险指标。 该方法还包括接收表示在第二时间段期间由传感器收集的信息的第二传感器数据，将数据存储在存储器中，以及处理数据以确定外部环境的一个或多个特性的第二组。 该方法还包括基于第二组特征确定代表第二时间段内的损失风险的第二风险指标。
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公开(公告)号：US08954226B1
公开(公告)日：2015-02-10
申请号：US14057408
申请日：2013-10-18
Inventor： Todd Binion , Joe Harr , Brian Fields , Steven Cielocha , Steve J. Balbach
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 first sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle. The method also includes storing the received sensor data in the memory, and generating, via the one or more processors and using the stored sensor data, a virtual model of an event involving at least one vehicle.
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表示由位于第一车辆上或第一车辆中的第一传感器（i）收集的信息的传感器数据，以及 ）被配置为感测第一车辆外部的环境。 该方法还包括将接收到的传感器数据存储在存储器中，并且经由一个或多个处理器并且使用存储的传感器数据生成涉及至少一个车辆的事件的虚拟模型。
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公开(公告)号：US20140257870A1
公开(公告)日：2014-09-11
申请号：US14203210
申请日：2014-03-10
Inventor： Steven Cielocha , Todd Binion , 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 receives vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors. The method also analyzes the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component. The method further determines that the driving pattern indicates a change in the rating and adjusts the rating data component. The method further processes one or more insurance options based at least in part on the changed rating.
Abstract translation: 用于提供保险的计算机实施方法接收指示车辆的一个或多个驾驶操纵的车辆数据，其中车辆数据来自一个或多个传感器。 该方法还分析接收到的车辆数据以确定与车辆的一个或多个操作者相关联的驾驶模式，其中驾驶模式包括多个驾驶操作，并且车辆对应于具有评级数据组件的保险单数据结构。 该方法进一步确定驾驶模式指示评级的变化并调整评级数据组件。 该方法至少部分地基于改变的等级来进一步处理一个或多个保险期权。
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50.发明申请SYSTEMS AND METHODS FOR PROCESSING VEHICLE INSURANCE BASED ON ACUITY TESTING PERFORMANCE 审中-公开基于能力测试性能处理车辆保险的系统和方法公开(公告)号：US20140257868A1
公开(公告)日：2014-09-11
申请号：US14203115
申请日：2014-03-10
Inventor： Gregory Hayward , Scott T. Christensen , Christopher E. Gay , 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 administering acuity assessments to customers who request vehicle insurance policies, and offering insurance policies based on customers' performances on the acuity assessments. In aspects, the vehicle insurance policies can cover various uses of the vehicle, where the policies may be distance- or time-based. The customer requests a vehicle insurance policy and an insurance provider provides a relevant acuity assessment to the customer for completion. The customer performs the acuity assessment and sends corresponding results, and the insurance provider determines the customer's performance. Based at least in part on the customer's performance, the insurance provider generates an insurance quote, which the customer may purchase.
Abstract translation: 针对要求车辆保险的客户进行敏感性评估的方法和系统，根据客户的敏锐度评估表现提供保险单。 在这方面，车辆保险政策可以涵盖车辆的各种用途，其中政策可能是距离或时间的。 客户要求提供车辆保险单，保险提供者为客户提供相关的敏感性评估，以完成。 客户执行敏感性评估并发送相应的结果，保险提供商确定客户的表现。 至少部分地基于客户的表现，保险提供商生成客户可以购买的保险报价。
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