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    Vehicle sensor collection of other vehicle information
    2.
    发明授权
    Vehicle sensor collection of other vehicle information 有权

    公开(公告)号：US10991170B1

    公开(公告)日：2021-04-27

    申请号：US15848099

    申请日：2017-12-20

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G07C5/00 ,  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, and storing the received sensor data in the memory. The method also includes processing the stored sensor data to determine conditions in which the second vehicle was driven, driving habits of a driver of the second vehicle, and an identifying characteristic of the second vehicle. The method further includes identifying the driver of the second vehicle using the identifying characteristic, and determining a risk level for the driver of the second vehicle using the determined conditions and driving habits.

    Creating a virtual model of a vehicle event
    5.
    发明授权
    Creating a virtual model of a vehicle event 有权

    公开(公告)号：US10140417B1

    公开(公告)日：2018-11-27

    申请号：US15237832

    申请日：2016-08-16

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    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.

    ASSESSING RISK USING VEHICLE ENVIRONMENT INFORMATION
    7.
    发明申请
    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：US20150112730A1

    公开(公告)日：2015-04-23

    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。

    Systems and methods for visualizing an accident involving a vehicle
    8.
    发明授权
    Systems and methods for visualizing an accident involving a vehicle 有权
    用于可视化涉及车辆的事故的系统和方法

    公开(公告)号：US08954226B1

    公开(公告)日：2015-02-10

    申请号：US14057408

    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 ,  G06Q40/08

    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 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。

    Assessing risk using vehicle environment information
    9.
    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.

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