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    Assessing risk using vehicle environment information
    62.
    发明授权
    Assessing risk using vehicle environment information 有权

    公开(公告)号：US10223752B1

    公开(公告)日：2019-03-05

    申请号：US14887580

    申请日：2015-10-20

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/00 ,  G06Q40/08 ,  G07C5/00

    Abstract: A method includes receiving vehicle sensor data from a second vehicle via one or more wireless signals. The vehicle sensor data is collected by a sensor that is located on or in the second vehicle and configured to sense an environment external to the second vehicle. The vehicle sensor data is received at an electronic processing system, and stored in a memory. A set of one or more characteristics of the environment external to the first vehicle is determined by processing the stored vehicle sensor data, and a risk indicator is determined based on the set of one or more characteristics, a risk indicator. An insurance rating for an insurance policy associated with the first vehicle is determined based on the risk indicator.

    Assessing risk using vehicle environment information
    65.
    发明授权
    Assessing risk using vehicle environment information 有权
    使用车辆环境信息评估风险

    公开(公告)号：US09262787B2

    公开(公告)日：2016-02-16

    申请号：US14057419

    申请日：2013-10-18

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/08 ,  G07C5/00

    CPC classification number: G06Q40/08 ,  G07C5/008

    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。

    Trip-based vehicle insurance
    67.
    发明授权
    Trip-based vehicle insurance 有权
    旅行车辆保险

    公开(公告)号：US09105066B2

    公开(公告)日：2015-08-11

    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 ,  B60Q1/00 ,  G06Q40/00 ,  G07C5/00

    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。

    In-vehicle insurance applications, Methods and systems for automatically collecting insurance risk related data
    68.
    发明申请
    In-vehicle insurance applications, Methods and systems for automatically collecting insurance risk related data 审中-公开
    车载保险申请，自动收集保险风险相关数据的方法和系统

    公开(公告)号：US20150112733A1

    公开(公告)日：2015-04-23

    申请号：US14061385

    申请日：2013-10-23

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Nicholas R. Baker ,  Steve J. Balbach ,  Todd Binion ,  Steven Cielocha

    IPC: G06Q40/08

    CPC classification number: G06Q40/08

    Abstract: The applications, methods and systems of the present disclosure provide selective and automatic data collection for insurance risk determination purposes. In particular, an insurance application may be stored in a vehicle computing system memory and may be executed by a vehicle computing system processor to collect and store vehicle operation related data. An in-vehicle computing device may transmit the collected data to a remote server via a wireless communication network. Alternatively, the in-vehicle computing device may transmit the collected data to a mobile telephone via a wireless communication network.

    Abstract translation: 本公开的应用，方法和系统提供用于保险风险确定目的的选择性和自动数据收集。 特别地，保险申请可以存储在车辆计算系统存储器中，并且可以由车辆计算系统处理器执行以收集和存储车辆操作相关数据。 车载计算设备可以经由无线通信网络将收集的数据发送到远程服务器。 或者，车载计算设备可以经由无线通信网络将收集的数据发送到移动电话。

    VEHICLE SENSOR COLLECTION OF OTHER VEHICLE INFORMATION
    69.
    发明申请
    VEHICLE SENSOR COLLECTION OF OTHER VEHICLE INFORMATION 有权
    车辆传感器收集其他车辆信息

    公开(公告)号：US20150112504A1

    公开(公告)日：2015-04-23

    申请号：US14057447

    申请日：2013-10-18

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G07C5/00

    CPC classification number: G07C5/008 ,  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, storing the received sensor data in the memory, and determining, via the one or more processors and based on the stored sensor data, an identifying characteristic of a second vehicle different than the first 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其中的传感器（i）收集的信息的传感器数据，以及（ii） 被配置为感测第一车辆外部的环境，将接收到的传感器数据存储在存储器中，以及经由一个或多个处理器并且基于所存储的传感器数据确定与第一车辆不同的识别特性。

    System and Method for Determining and Monitoring Auto Insurance Incentives
    70.
    发明申请
    System and Method for Determining and Monitoring Auto Insurance Incentives 有权
    汽车保险奖励制度与方法

    公开(公告)号：US20140257874A1

    公开(公告)日：2014-09-11

    申请号：US14203356

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    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: 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。

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