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公开(公告)号:US20100131304A1
公开(公告)日:2010-05-27
申请号:US12547800
申请日:2009-08-26
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC: G06Q40/00
CPC classification number: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: An on-board monitoring system in conjunction with a mobile device can be employed to gather real-time information regarding how a vehicle is being operated by the owner of the mobile device. The mobile device has information stored thereon that allows the user to be identified by the on-board monitoring system. The real-time information is forwarded to a remote insurance provider system that, based upon the gathered real-time information, determines an insurance rate. The determined insurance rate can be transmitted to the owner allowing them to see how their driving style is affecting their insurance rate and can adjust their driving style accordingly.
Abstract translation: 结合移动设备的车载监视系统可以用于收集关于车辆由移动设备的所有者如何操作的实时信息。 移动设备具有存储在其上的信息,其允许用户由车载监视系统识别。 将实时信息转发给远程保险提供者系统,根据收集的实时信息确定保险费率。 确定的保险费率可以发送给业主,让他们看到他们的驾驶风格如何影响他们的保险费率,并可以相应地调整他们的驾驶风格。
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公开(公告)号:US20170097804A1
公开(公告)日:2017-04-06
申请号:US14969516
申请日:2015-12-15
Applicant: Fred Collopy
Inventor: Fred Collopy
IPC: G06F3/16 , G06T3/40 , G06T3/00 , G06T11/00 , G06F3/0488 , G06F3/0484 , G06F3/041 , G06T3/60
CPC classification number: G06F3/165 , G06F3/04842 , G06F3/04845 , G06F3/04886 , G06T11/001 , G09B15/003
Abstract: Described herein are various technologies pertaining to presenting, and configuring, one or more digital objects on a display device for application with a visual music presentation. An interactive screen can be presented on a touchscreen of a display device, wherein a visual musician can interact with one or more components and/or features comprising the screen to control presentation of the digital objects. Various properties of the digital objects can be configured, e.g., hue, shape, placement, motion, etc. Further, the one or more objects can be presented on the display device in conjunction with selection of a key associated with a particular digital object. Furthermore, during operation, fingertip placement can be monitored to enable placement of the keys on the display device in accordance with hand size, playing style, etc., of a visual musician utilizing the display device.
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公开(公告)号:US08620692B2
公开(公告)日:2013-12-31
申请号:US12612958
申请日:2009-11-05
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC: G06Q40/00
CPC classification number: G06Q40/08 , G06Q30/0201 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0269 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: Dynamic insurance rate adjustments are communicated to a vehicle operator in order to allow the vehicle operator to adjust various parameters before an actual change to an insurance rate is communicated to a service provider or trusted third party. The various parameters can be external parameters and/or internal parameters and further can include historical information, current information, and/or predicted information. Communicating the insurance rate adjustments provides for insurance visibility for both the operator and passengers of the vehicle. The insurance rate adjustment is communicated though a device located within a vehicle to enable perception by a vehicle occupant.
Abstract translation: 将动态保险费率调整通知给车辆操作者,以便允许车辆操作者在将保险费率的实际改变传送到服务提供商或受信任的第三方之前调整各种参数。 各种参数可以是外部参数和/或内部参数,并且还可以包括历史信息,当前信息和/或预测信息。 沟通保险费率调整为车辆的操作者和乘客提供保险可见性。 通过位于车辆内的装置来传送保险费率调整以使车辆乘客能够感知。
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4.
公开(公告)号:US20130297418A1
公开(公告)日:2013-11-07
申请号:US13933043
申请日:2013-07-01
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC classification number: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.
Abstract translation: 提供了鼓励采用时间相关的定制保险福利的制度和方法。 保险福利提供者鼓励采用保险利益,以换取被保险实体经营特征的知识。 知识是从实体经营的被保险实体和环境中累积和收集的。 激励是至少部分通过基于可用知识的激励提供来实现的,所述知识与被保险实体的运营商相关联,而不是与实体本身相关联。 运营商可以规范交换知识的范围,并收到奖励和相关内容。 奖励报价可以用于提供足以满足当前或几乎当前运营状况的保险利益范围; 贴现实时或几乎实时的保险福利; 或补贴服务。 提供奖励措施至少部分可以通过其商业化或有针对性的广告通过现有知识的获利来提供。
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5.
公开(公告)号:US20100131308A1
公开(公告)日:2010-05-27
申请号:US12624371
申请日:2009-11-23
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC classification number: G06Q40/08 , G06Q30/0201 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0269 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.
Abstract translation: 提供了鼓励采用时间相关的定制保险福利的制度和方法。 保险福利提供者鼓励采用保险利益,以换取被保险实体经营特征的知识。 知识是从实体经营的被保险实体和环境中累积和收集的。 激励是至少部分通过基于可用知识的激励提供来实现的,所述知识与被保险实体的运营商相关联,而不是与实体本身相关联。 运营商可以规范交换知识的范围,并收到奖励和相关内容。 奖励报价可以用于提供足以满足当前或几乎当前运营状况的保险利益范围; 贴现实时或几乎实时的保险福利; 或补贴服务。 提供奖励措施至少部分可以通过其商业化或有针对性的广告通过现有知识的获利来提供。
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6.
公开(公告)号:US20100131307A1
公开(公告)日:2010-05-27
申请号:US12624366
申请日:2009-11-23
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC classification number: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: System(s) and methods(s) to monetize knowledge of operation characteristics of an insured entity are provided. A provider of insurance benefit(s) supplies knowledge of operation characteristics of an insured entity in exchange for a financial compensation. The knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Financial compensation also can be received through commercialization of resources to expose an agent linked to the insured entity to advertisement in addition to delivery of the knowledge of operation characteristics of the insured entity. The provider of insurance benefit(s) can exploit the financial compensation to afford, at least in part, incentives directed to discounted insurance benefit(s) or subsidized service(s).
Abstract translation: 提供了通过投保实体经营特征知识获利的制度和方法。 保险福利提供者提供被保险实体经营特征的知识,以换取经济补偿。 知识是从实体经营的被保险实体和环境中累积和收集的。 还可以通过资源商业化获得财务报酬,将与受保实体有关的代理人披露给广告,除了提供被保险实体经营特点的知识外。 保险福利的提供者可以利用经济补偿来承担,至少部分是针对贴现保险福利或补贴服务的激励措施。
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公开(公告)号:US20140100892A1
公开(公告)日:2014-04-10
申请号:US14101208
申请日:2013-12-09
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC: G06Q40/08
CPC classification number: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: Dynamic insurance rate adjustments are communicated to a vehicle operator in order to allow the vehicle operator to adjust various parameters before an actual change to an insurance rate is communicated to a service provider or trusted third party. The various parameters can be external parameters and/or internal parameters and further can include historical information, current information, and/or predicted information. Communicating the insurance rate adjustments provides for insurance visibility for both the operator and passengers of the vehicle. The insurance rate adjustment is communicated though a device located within a vehicle to enable perception by a vehicle occupant.
Abstract translation: 将动态保险费率调整通知给车辆操作者,以便允许车辆操作者在将保险费率的实际改变传送到服务提供商或受信任的第三方之前调整各种参数。 各种参数可以是外部参数和/或内部参数,并且还可以包括历史信息,当前信息和/或预测信息。 沟通保险费率调整为车辆的操作者和乘客提供保险可见性。 通过位于车辆内的装置来传送保险费率调整以使车辆乘客能够感知。
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8.
公开(公告)号:US08484113B2
公开(公告)日:2013-07-09
申请号:US13529866
申请日:2012-06-21
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
IPC: G06Q40/00
CPC classification number: G06Q40/08 , G06Q30/0201 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0269 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.
Abstract translation: 提供了鼓励采用时间相关的定制保险福利的制度和方法。 保险福利提供者鼓励采用保险利益,以换取被保险实体经营特征的知识。 知识是从实体经营的被保险实体和环境中累积和收集的。 激励是至少部分通过基于可用知识的激励提供来实现的,所述知识与被保险实体的运营商相关联,而不是与实体本身相关联。 运营商可以规范交换知识的范围,并收到奖励和相关内容。 奖励报价可以用于提供足以满足当前或几乎当前运营状况的保险利益范围; 贴现实时或几乎实时的保险福利; 或补贴服务。 提供奖励措施至少部分可以通过其商业化或有针对性的广告通过现有知识的获利来提供。
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公开(公告)号:US20100131302A1
公开(公告)日:2010-05-27
申请号:US12498446
申请日:2009-07-07
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC classification number: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: Vertical insurance market specialization is provided where policies can be created based on granular information related to actual usage of an object. The information can be received in real time or near real time, and specific market definitions can be created based on the information. Insurance companies can bid on specific market definitions, and an owner of the object can select coverage. In cases of automobile insurance, route information or other sensed parameters (such as driving behavior) can be provided to define an insurance market for a specific driver. Allowing companies to bid on the specific instances allows for increased competition and lower cost than current blanket solutions.
Abstract translation: 提供垂直保险市场专业化,其中可以基于与实际使用对象相关的细粒度信息创建策略。 可以实时或接近实时地接收信息,并且可以基于该信息来创建具体的市场定义。 保险公司可以针对具体的市场定义进行投标,并且对象的所有者可以选择覆盖。 在汽车保险的情况下,可以提供路线信息或其他感测参数(如驾驶行为)来定义特定司机的保险市场。 允许公司针对具体实例进行竞标,从而增加竞争并降低成本,而不是现有的一体化解决方案。
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公开(公告)号:US20100131301A1
公开(公告)日:2010-05-27
申请号:US12490033
申请日:2009-06-23
Applicant: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
Inventor: Fred Collopy , Craig Allen Nard , Himanshu S. Amin , Gregory Turocy , Seyed Vahid Sharifi Takieh , Ronald Charles Krosky , David Noonan , Gustavo Arnaldo Narvaez , Brian Asquith
CPC classification number: G06Q40/08 , G06Q30/0224 , G06Q30/0251 , G06Q30/0265 , G06Q30/0273 , G06Q30/04 , G06Q30/06
Abstract: Vertical insurance market specialization is provided where policies can be created based on granular information related to actual usage of an object. The information can be received in real time or near real time, and specific market definitions can be created based on the information. Insurance companies can bid on specific market definitions, and an owner of the object can select coverage. In cases of automobile insurance, route information or other sensed parameters (such as driving behavior) can be provided to define an insurance market for a specific driver. Allowing companies to bid on the specific instances allows for increased competition and lower cost than current blanket solutions.
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