Aspects of the invention are directed to methods and systems for efficiently communicating data between an insurer and a non-referral repair shop, e.g., vehicle repair shops that are normally not preapproved by the insurer to perform the estimating and repair work. The methods and systems described herein are particularly useful for insurers utilizing non-referral repair shops for servicing vehicles involved in insurance claims. According to aspects of this invention, the insured may be able to select a non-referral repair shop, not delegated or preapproved by the insurer, thereby generally allowing the insured to select any available vehicle repair shop.
A central claims adjuster control unit associated with an entity may oversee the assignment of claims cases to claims adjusters. The control unit may designate that a threshold number of cases may be assigned to certain claims adjusters. When new claims cases arrive, the control unit may monitor the workload of each of the claims adjusters and the threshold value assigned to any of the claims adjusters before assigning the case to one of the adjusters. If no adjuster is available, the control unit may store the case(s) in a memory until one of the adjusters becomes available. An additional feature of the control unit includes a user interface for modifying information about claims adjusters, including whether or not a threshold value is associated with them, the value of any associated threshold, and the reassignment of cases from one adjuster to another.
Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may use a demographic classification for a given user along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory. Finally, the optimized inventory analysis server may recommend incentives on products/services sold by third party entities and may further recommend incentives on insurance products for insuring items purchased by a given user.
Methods, computer-readable media, software, and apparatuses provide a system for controlling access to text messaging capabilities of a mobile computing device of a user while the user is driving. The mobile computing device may be configured to restrict a user from sending or receiving text messages while the user is driving depending on a current driving situation. Whether a user can send or receive text messages may further depend on a priority of the text message or a priority level of a sender or intended recipient of the text message. The system may include devices for collecting information regarding the vehicle and its surroundings and for determining the current driving situation based on the collected information. Further, the system may include devices for maintaining records of the restrictions placed on text messaging and of rewards earned for agreeing to be subject to such restrictions.
Systems and apparatuses for generating customized driving assistance outputs are provided. The system may collect initial sensor data from a rotating mobile device. The system may analyze the initial sensor data to determine whether to collect additional sensor data. Based on analysis of the initial sensor data and the additional sensor data, the system may determine a customized driving assistance output. The system may determine one or more notification outputs and one or more instruction outputs for the driver based on the customized driving assistance output. The system may update an aggregate driving output based on whether or not the instruction output was completed, as determined from subsequent sensor data.
G08G 1/0962 - Arrangements for giving variable traffic instructions having an indicator mounted inside the vehicle, e.g. giving voice messages
G06V 20/56 - Context or environment of the image exterior to a vehicle by using sensors mounted on the vehicle
G06V 20/58 - Recognition of moving objects or obstacles, e.g. vehicles or pedestrians; Recognition of traffic objects, e.g. traffic signs, traffic lights or roads
G08G 1/01 - Detecting movement of traffic to be counted or controlled
A risk management system that includes an internet of things (IoT) integrated logic engine connected to IoT-capable sensors and devices and autonomous entity sensors and devices. The logic engine processes and analyzes in real-time the data from the plurality of IoT-capable sensors and the autonomous entity sensors. The logic engine further identifies novel patterns and pre-defined data patterns in the data from the plurality of IoT-capable sensors and the autonomous entity sensors to determine that a risk is occurring or imminent. The logic engine further sends real-time notifications to a set of subscribers of the risk management system about the risk that is occurring or imminent and provide inter-device communications to provide real-time warnings between one or more of the plurality of sensor-enabled devices and the autonomous entity devices.
H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
H04W 4/46 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for vehicle-to-vehicle communication [V2V]
Methods and apparatuses allow an insurance agency to track their current performance in managing existing customers and bringing in new customers. A tool may obtain information from a user regarding characteristics of the user's agency and/or agency goals. The tool may use this information to determine an agency's business efficiency. The tool may also provide advice regarding marketing spending and/or additional human resources needed. The tool may benchmark an insurance agency against other agencies in the market. The tool may also display how generated leads are converted to new business and/or income for an agency.
Exhaustive driving analytical methods, systems, are apparatuses are described. The methods, systems, are apparatuses relate to utilizing partially available data associated with driver and/or driving behaviors to determine safety factors, identify times to react to events, and contextual information regarding the events. The methods, systems, and apparatuses described herein may determine, based on a systematic model, reactions and reaction times, compare the vehicle behavior (or lack thereof) to the modeled reactions and reaction times, and determine safety factors and instructions based on the comparison.
Disclosed herein are systems and/or methods for determining an insurance status for one or more drivers and/or vehicles. The system may identify a driver of a vehicle, such as by facial recognition or a retinal scan. Based on the identification, the system may determine the insurance status of the driver. If there is an issue with the insurance status, the system may prompt the driver to take some action. The system may also institute limitations upon the vehicle if there is an issue with the insurance status. In some instances, the system may determine the insurance status for multiple drivers in the area, and may warn a driver if he or she is in the vicinity of one or more underinsured drivers and/or vehicles.
A claim-based capitation model is proposed for handling vehicle repair insurance claims. Rather than determining a detailed estimate of the expected actual cost of repair, the estimate may be determined using a simpler model. For example, the insurance company and a repair facility may agree to following a predictive payment model in which the insurance company pays a fixed predicted capitated amount of money for each repair claim, regardless of the amount of repair work that will be needed. Alternatively, the insurance company may pre-pay a fixed capitated amount for a predicted number of future insurance claims.
Systems and methods for performing insurance damage inspection by an unmanned aerial vehicle (UAV) are provided. A computing device may receive a request to inspect a vehicle, the request comprising a location of the vehicle. The computing device may identify a UAV from a plurality of UAVs that is located closest to the location of the vehicle from other UAVs in the plurality of UAVs. The computing device may instruct the UAV to travel to the location of the vehicle. The computing device may instruct the UAV to collect damage information on the vehicle using one or more onboard sensors of the UAV. The computing device may determine an amount of insurance payout to approve for repairs to the vehicle based on the damage information collected by the UAV.
Methods, computer-readable media, systems and apparatuses for determining a blind corner navigational score based on real-time or near real-time navigational analysis using sensor data, digital image data, and a map database are discussed. In some arrangements, detection of a blind sensor may be performing using sensor data, digital image data, and navigational data from a map database system. In at least some arrangements, a warning signal or a vehicle control signal may be transmitted to a vehicle in response to a determination that the blind corner navigational score is above a threshold. In at least some arrangements, route correction and/or route modification based on an upcoming blind corner may be performed if a blind corner navigational score is above a threshold.
G01C 21/36 - Input/output arrangements for on-board computers
G06F 18/2415 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on parametric or probabilistic models, e.g. based on likelihood ratio or false acceptance rate versus a false rejection rate
G06V 20/56 - Context or environment of the image exterior to a vehicle by using sensors mounted on the vehicle
13.
Natural language processing platform for automated event analysis, translation, and transcription verification
Aspects of the disclosure relate to computing platforms that utilize improved natural language processing techniques for claims processing. A computing platform may receive an audio file and determine one or more utterance segments based on the audio file. The computing platform may generate and send one or more audio chunks based on the one or more utterance segments to an audio transcription system. The computing platform may receive one or more text segments in response and may generate an audio transcription file accordingly. The computing platform may assign a category to each word in the audio transcription file, and may send user interface information to a user device along with one or more commands directing the user device to generate a user interface based on the user interface information, which may cause the user device to display the user interface.
A system may be configured to detect an emergency condition at a premises; dispatch one or more autonomous drones to a location associated with the emergency condition; receive from the one or more autonomous drones, sensor data associated with the emergency condition; generate, based on the sensor data, a plan identifying an evacuation route for safely evacuating the premises; and transmit an instruction that causes the one or more autonomous drones to indicate, to one or more persons in a vicinity of the emergency condition, the evacuation route. The system may further detect, based on the sensor data, one or more safe areas in the premises, and the evacuation route may pass through at least one of the one or more safe areas.
G08B 7/06 - Signalling systems according to more than one of groups ; Personal calling systems according to more than one of groups using electric transmission
B64C 39/02 - Aircraft not otherwise provided for characterised by special use
B64D 47/02 - Arrangements or adaptations of signal or lighting devices
E05B 65/10 - Locks for special use for panic or emergency doors
E05F 15/72 - Power-operated mechanisms for wings with automatic actuation responsive to emergency conditions, e.g. fire
G05D 1/10 - Simultaneous control of position or course in three dimensions
36 - Financial, insurance and real estate services
Goods & Services
(1) Charitable services, namely, organizing and conducting volunteer programs and community service projects
(2) Charitable giving services, namely, providing funds to other charitable organizations
A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.
A system comprising a telematics device associated with a vehicle, a first computing device, a second computing device associated with a driver of the vehicle, and a server is disclosed. The server may be configured to receive maintenance data from the telematics device, determine a repair for the vehicle based on the maintenance data, send a request to the first computing device for the repair to be performed by one or more service providers, estimate a period of time for performing the repair, assign an alternative form of transportation to be provided to the driver during the estimated period of time, and send, to the second computing device, one or more notifications regarding at least one of the repair to be performed by the one or more service providers, the estimated period of time for the repair, or the assigned alternative transportation to be provided to the driver.
A system for a predictive claims computing platform may comprise a plurality of vehicles, a computing device associated with a repair facility, a network, and a server. The server may be configured to determine an insurance coverage type needed for repairing each vehicle in the plurality of vehicles, identify a location of the repair facility for repairing each vehicle, assign a standard amount to reimburse the repair facility for repairing each vehicle based on insurance coverage type and the location of the repair facility, transmit the standard amount to the computing device associated with the repair facility, receive from the computing device, a cost for actual repair of each vehicle after the actual repair for each vehicle has been completed, and adjust the standard amount to reimburse the repair facility for future repairs based on identifying a difference between the standard amount and the actual repair cost for each vehicle.
Event-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises identifying the occurrence of an event, storing first data corresponding to apparatus operation for a first threshold amount of time prior to the event, during the occurrence of the event, and for a second threshold amount of time after the event, determining whether a responsive object is involved in or near the event, in response to determining that the responsive object is involved in or near the event, transmitting the first data to the responsive object, and receiving, from the responsive object, second data, analyzing the first data and the second data to determine a party at-fault for the event, aggregating the first data and second data into an event report, and causing, automatically, a response to be initiated through an entity associated with the party at-fault.
B60R 21/013 - Electrical circuits for triggering safety arrangements in case of vehicle accidents or impending vehicle accidents including means for detecting collisions, impending collisions or roll-over
G05D 1/00 - Control of position, course, altitude, or attitude of land, water, air, or space vehicles, e.g. automatic pilot
G07C 5/00 - Registering or indicating the working of vehicles
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
G08G 1/00 - Traffic control systems for road vehicles
G08G 1/01 - Detecting movement of traffic to be counted or controlled
H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
H04L 67/52 - Network services specially adapted for the location of the user terminal
H04L 69/40 - Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass for recovering from a failure of a protocol instance or entity, e.g. service redundancy protocols, protocol state redundancy or protocol service redirection
20.
Systems and methods for automated property damage estimations and detection based on image analysis and neural network training
Intelligent prediction systems and methods of use to train a neural network model to analyze images of property damage to detect and predict property damage of a property, the neural network model during training configured to (1) switch between one or more synthetic images comprising pixel-based masked annotations of damaged property from a synthetic engine and one or more real images comprising bounding box annotations of damaged property from a real database, and (2) freeze inactive class training to prevent learning on one or more inactive classes comprising one or more pre-determined missing annotated labels in the one or more synthetic images and/or the one or more real images.
Systems and methods provide for an automated system for determining whether claims related to an insured item should proceed to an arbitrating body. A virtual assistant (also referred to herein as an “arbitration assessment assistant”) installed in a computing device (e.g., computer, laptop, tablet computer, mobile phone, etc.) may be responsible for managing and assisting an insurance representative (e.g., an insurance adjuster, subrogation representative, etc.) in determining liability and fault relating to a claim, conducting a subrogation process, and ultimately determining whether the claim should be submitted for arbitration. In one or more aspects discussed, herein the process may be fully automated.
Methods and systems disclosed herein describe a canonical model that sets forth a standardized schema that represents data entities and their relationships as a logical data structure across multiple business units. A schema validator module may validate application-specific schema against the canonical module. Additionally, legacy and/or existing applications may be upgraded, through a transformation module, to comply with the canonical model. The transformation module may transform application-specific data and/or information to the standardized schema, and vice versa, to ensure that legacy and/or existing applications may communicate with applications and/or processing engines that comply with the standardized schema.
A system may determine an initial safety prediction for a driver or rider associated with a shared mobility service. Then the system may receive, from various sensors, sensor data collected during operation of a vehicle. The system may determine a subset of the sensor data related to one or more shared mobility statuses, then determine, based on the subset of the sensor data, a safety score for the driver and/or rider. The system may further perform operations based on the safety score and/or the initial safety prediction.
G10L 25/51 - Speech or voice analysis techniques not restricted to a single one of groups specially adapted for particular use for comparison or discrimination
24.
VEHICLE MOBILITY PATTERNS BASED ON USER LOCATION DATA
Methods, computer-readable media, software, and system may generally build and quantify mobility patterns based on user location data, both at an individual level and an aggregate level. The system may determine the origin and destination data for each trip taken by a user. The system may then define areas of mobility using a mobility graph built from the data. The graph may include nodes and edges. In some examples, the nodes are constructed from the origins and destinations of the trajectories using spatial clustering techniques. Further, the edges between nodes may be constructed based on the trips between them, such as two nodes are connected by an edge if there is at least one trip between them. The edges may be given different weights based on trip frequencies. The system may then determine a region of mobility using the generated mobility graph and data clustering techniques.
Systems and apparatuses for receiving data from a plurality of sensors and using the data, as well as other data, to generate a parking recommendation for an autonomous vehicle and instruct the autonomous vehicle to travel to the recommended parking location are provided. Data may be received from a plurality of sensors within a first autonomous vehicle, as well as from other vehicles and/or structures. Historical parking data associated with the first autonomous vehicle may also be extracted. In some examples, an expected future trip of the first autonomous vehicle may be determined. The system may then evaluate the data to generate a parking recommendation for the first autonomous vehicle. The system may generate and transmit instructions for traveling from a current location to the recommended parking location and may cause the first autonomous vehicle to travel to the recommended parking location.
Systems and methods provide customizable insurance according to consumer preferences and attributes. An enhanced attributes analysis server may analyze the attributes of a consumer and match these attributes with attributes of current customers of an entity managing the server. The insurance products/plans preferred by the matched customers may then be used to present insurance options to the consumer. In addition, the server may further customize insurance options based on answers to questions that relate to the consumer's specific situation. Further still, the consumer's social network may be used to understand insurance products/plans that may be preferred by the consumer.
Aspects of the disclosure relate to using machine learning methods to produce commercial and shared economy insights. A computing platform may receive historical claim processing information. The computing platform may train a machine learning model using the historical claim processing information, which may configure the machine learning model to output new claim processing information based on claim information. The computer platform may receive a new claim, including claim information, and may process the new claim using the machine learning model, which may result in the new claim processing information. The computing platform may send, to a user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information, which may cause the user computing device to display the new claim processing information.
Aspects of the present disclosure generally relate to systems and methods for data processing, and more specifically for classifying telematics data to identify gig driving associated with vehicle trips. In one implementation, a method may include the operations of segmenting a trip of a vehicle to yield multiple segments, generating, via a feature extraction component, one or more input features associated with each segment of the multiple segments based on input data indicating driving characteristics during the trip, determining, via a gig detection component, whether the trip is associated with gig driving based on the one or more input features associated with teach segment, and outputting an indication of whether the trip is associated with gig driving based on the determination.
Aspects of the disclosure relate to using machine learning methods for customized output generation. A computing platform may train a model (using historical data) by classifying the historical data by a trip context, a device interaction context, and physical condition context, or a personality context, and training models using the classified historical data. The computing platform may monitor a data source system to collect new data, which may include information about multiple drivers. The computing platform may generate, by inputting the new data into the model, a customized driving output for a first driver, where the customized driving output is based at least in part on information about a second driver. The computing platform may send, to a computing device, the customized driving output and commands directing the computing device to display the customized driving output, which may cause the computing device to display the customized driving output.
Aspects of the disclosure relate to a system and method for electronically monitoring and using data indicative of driver characteristics based on sensors. For example, the system may determine an origin associated with a user, a destination associated with the user, and a desired arrival time at the destination. A driving characteristic computing device of the system may determine an estimate for a duration of a trip from the origin to the destination. Based on the estimate for the duration and the desired arrival time at the destination, the driving characteristic computing device may determine a recommended departure time from the origin for the user. Based on sensor data, the system may determine a departure time from the origin for the user. The driving characteristic computing device may compare the departure time to the recommended departure time, and a value of a property of insurance for the user may be determined based on the comparing.
Aspects of the present disclosure generally relate to systems and methods for data processing, and more specifically for classifying telematics data to identify gig driving associated with vehicle trips. In one implementation, a method may include the operations of segmenting a trip of a vehicle to yield multiple segments, generating, via a feature extraction component, one or more input features associated with each segment of the multiple segments based on input data indicating driving characteristics during the trip, determining, via a gig detection component, whether the trip is associated with gig driving based on the one or more input features associated with teach segment, and outputting an indication of whether the trip is associated with gig driving based on the determination.
A system including a computing device may receive base map information, including attribute information associated with a plurality of road segments, and trip request information. Based on this information, a route for the user to travel may be determined. The system might further calculate a risk score for each road segment forming the route, and generate a risk map based on the risk score and the route. The risk map may then be displayed to a user. The risk map may include markers or other objects depicting potential risks along the route the driver may face. Also, the risk map may be updated based on information collected from a sensor coupled to the vehicle or located at the road segment to reflect actual, real-time risk scores calculated using an equation for providing a risk score for a particular driver driving a particular vehicle on a particular road segment.
Methods, computer-readable media, systems, and/or apparatuses for evaluating movement data to identify a user as a driver or non-driver passenger are provided. In some examples, movement data may be received from a mobile device of a user. The movement data may include sensor data including location data, such as global positioning system (GPS) data, accelerometer and/or gyroscope data, and the like. Additional data may be retrieved from one or more other sources. For instance, additional data such as usage of applications on the mobile device, public transportation schedules and routes, image data, vehicle operation data, and the like, may be received and analyzed with the movement data to determine whether the user of the mobile device was a driver or non-driver passenger of the vehicle. Based on the determination, the data may be deleted in some examples or may be further processed to generate one or more outputs.
A method for processing insurance claims including receiving, by a provider computing system, background data, generating, by the provider computing system, a damage prediction model based on the background data, receiving, from a customer device, a first insurance claim corresponding to a first storm, generating, by the provider computing system, a first storm damage prediction for the first storm, applying, by the provider computing system, the first storm damage prediction to the first insurance claim, receiving, from the customer device, a first corrected insurance claim based on storm damage data, and generating, by the provider computing system, a first updated damage prediction model based on the background data and the first corrected insurance claim.
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersections; Connectivity analysis, e.g. of connected components
35.
SYSTEMS AND METHODS FOR VEHICLE DAMAGE IDENTIFICATION AND INSURANCE CLAIM PROCESSING
A method for processing insurance claims including receiving, by a provider computing system, background data, generating, by the provider computing system, a damage prediction model based on the background data, receiving, from a customer device, a first insurance claim corresponding to a first storm, generating, by the provider computing system, a first storm damage prediction for the first storm, applying, by the provider computing system, the first storm damage prediction to the first insurance claim, receiving, from the customer device, a first corrected insurance claim based on storm damage data, and generating, by the provider computing system, a first updated damage prediction model based on the background data and the first corrected insurance claim.
Aspects of the disclosure generally relate to monitoring and/or sensing of one or more home devices from one or more homes. In particular, various aspects described herein relate to receiving data from one or more sensors associated with one or more home devices from one or more homes and using the data to determine insurance rates or premiums, discounts, incentives, and the like. Further, aspects of the disclosure relate to computer hardware and software. In particular, one or more aspects of the disclosure relate to the connected home or smart home market (i.e. connected devices and systems within or related to the home) which is rapidly evolving and growing.
Aspects of the disclosure relate to a dynamic processing system for roadside service control and output generation. A computing platform may receive, from a client device, video content corresponding to a disabled vehicle, which may include geotagging information corresponding to a location of the disabled vehicle. Based on the video content and the geotagging information, the computing platform may determine a provider output indicating a potential service provider for assisting with the disabled vehicle. The computing platform may send, to the client device, an indication of the provider output. In response to receiving an indication that the potential service provider is acceptable, the computing platform may send a request to dispatch a driver of the potential service provider to the location of the disabled vehicle.
G08G 1/00 - Traffic control systems for road vehicles
G06Q 10/20 - Administration of product repair or maintenance
G08G 1/137 - Traffic control systems for road vehicles indicating the position of vehicles, e.g. scheduled vehicles within the vehicle the indicator being in the form of a map
Systems and methods provide for an automated system for analyzing damage to process claims and pre-claim consultations associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. In addition, the server may interface with third party entities such as repair shops and may generate a payment for compensating a claimant for repair of the insured item.
A system comprising a plurality of mobile devices, an insurance policy database, and a server is disclosed. The server may be configured to receive barometric data from one or more sensors in each of the plurality of mobile devices, identify that the barometric data indicates an occurrence of at least one catastrophic event, identify a geographic region affected by the at least one catastrophic event, access the insurance policy database to determine a number of insurance policies in the geographic region, estimate a number of catastrophe resources needed to handle the number of insurance policies in the geographic region, and assign at least one of the catastrophe resources to each of the insurance policies in the geographic region.
A system includes a privacy vault storing user-associated contents. The vault also stores access permissions defined for third-parties with whom the user has a sharing relationship. An access permission defines, for at least one third party, procurement and utilization policies for vault contents accessed by the third-party. The system may access a user account to recover user-associated contents stored by the accessed account and stores the recovered contents in the privacy vault. The system receives a request from a third-party to access identified contents stored in the privacy vault and determines if the contents are procurable by the third party based on an access permission defined, in the privacy vault, for the third-party. The system provides procurable contents to the third party along with indication of any constraints on the contents defined by utilization policies of the access permission defined for the third party.
A system including a processor and memory may provide for automated support communications, such as communications with individuals who need assistance. Automated communications may use one or more factors to determine how to adjust communications according to the needs of a user. For example, automated communications may be adjusted based on, e.g., a keyword used by a user in the user's communications, or a location associated with the user's mobile device or user vehicle. Automated communications may be adjusted in timing, frequency, or content. One or more external events (e.g., phone call, dispatch request, additional automated communication) may be triggered based on the automated communications.
H04W 4/90 - Services for handling of emergency or hazardous situations, e.g. earthquake and tsunami warning systems [ETWS]
H04W 4/40 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
G07C 5/00 - Registering or indicating the working of vehicles
G08G 1/00 - Traffic control systems for road vehicles
G10L 15/18 - Speech classification or search using natural language modelling
H04M 1/72421 - User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality for supporting emergency services with automatic activation of emergency service functions, e.g. upon sensing an alarm
Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using cameras and lasers for determining the extent and severity of the damage. To aid in this determination, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages of similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.
Systems and methods are disclosure for using sensors to deliver educational content to vehicle users during critical events. One method comprises: receiving, by a first computing device having at least one processor and from a user device of a vehicle user via a wireless data connection, a notification of a critical event for a vehicle of the vehicle user and a vehicle identification of the vehicle; receiving, from the user device via the first wireless data connection, user input soliciting educational content to remedy the critical event; determining, based on the received user input, a first set of search parameters; for each of the search parameters in the first set of search parameters, selecting educational content for a first list of educational content from a second list of educational content; and displaying, on the user device, the first list of educational content based on the first set of search parameters.
G09B 5/02 - Electrically-operated educational appliances with visual presentation of the material to be studied, e.g. using film strip
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G07C 5/00 - Registering or indicating the working of vehicles
H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
A mobile computerized apparatus configured to provide membership status in a roadside assistance program after occurrence of a roadside event is disclosed. The apparatus executes instructions that cause/allow the apparatus to receive input related to an electronic membership card, retrieve from a data store membership information associated with the vehicle, and dynamically update the electronic membership card for display on the apparatus.
H04W 4/70 - Services for machine-to-machine communication [M2M] or machine type communication [MTC]
H04W 4/029 - Location-based management or tracking services
H04W 4/44 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
G07C 5/00 - Registering or indicating the working of vehicles
H04M 3/487 - Arrangements for providing information services, e.g. recorded voice services or time announcements
H04W 4/021 - Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G08G 1/0967 - Systems involving transmission of highway information, e.g. weather, speed limits
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 3/04842 - Selection of displayed objects or displayed text elements
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
H04W 4/02 - Services making use of location information
45.
ANALYZING IMAGES AND VIDEOS OF DAMAGED VEHICLES TO DETERMINE DAMAGED VEHICLE PARTS AND VEHICLE ASYMMETRIES
A system may receive video of a damaged vehicle, perform image analysis of the video to determine one or more frames of the video that include a damaged portion of the vehicle, further analyze the one or more frames of the video that include a damaged portion of the vehicle to determine a damaged cluster of parts of the vehicle, determine whether the damaged cluster of parts should be repaired or replaced, map the damaged cluster of parts to one or more parts in a vehicle-specific database of parts, and generate, based on the mapping, a list of parts for repair or replacement.
G06Q 10/20 - Administration of product repair or maintenance
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
Aspects of the disclosure relate to a system and method for securely authenticating a device via token(s) and/or verification computing device(s). A verification computing device may generate a pseudorandom number or sequence. Based on the pseudorandom number or sequence, the verification computing device may select a first plurality of parameters associated with a user of a device to be authenticated. The verification computing device may transmit, to the device, the pseudorandom number or sequence, and the device may select a second plurality of parameters. The device may generate a token based on the second plurality of parameters. The device may send the token to another device, and the other device may send the token to the verification computing device. The verification computing device may authenticate the device based on the token.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
47.
Enhanced unmanned aerial vehicles for damage inspection
Systems and methods for performing insurance damage inspection by an unmanned aerial vehicle (UAV) are provided. A computing device may receive a request to inspect a vehicle, the request comprising a location of the vehicle. The computing device may identify a UAV from a plurality of UAVs that is located closest to the location of the vehicle from other UAVs in the plurality of UAVs. The computing device may instruct the UAV to travel to the location of the vehicle. The computing device may instruct the UAV to collect damage information on the vehicle using one or more onboard sensors of the UAV. The computing device may determine an amount of insurance payout to approve for repairs to the vehicle based on the damage information collected by the UAV.
Aspects of the disclosure relate to virtual reality systems (and/or augmented reality systems) that facilitate visualization of replacement and/or additional items for rebuilding a damaged room. The system may provide a virtual representation of a subject real-world room. A user may select items, such as appliances and furniture, for placement in the virtual room and the system may update the virtual room to include a representation of the items. In some embodiments, the system may utilize information about the user to provide recommendations regarding items that may be placed in a virtual room. For example, the system may utilize one or more service records to identify items covered under a service associated with the user. In some embodiments, the system may apply a monetary settlement to the cost of the real-world items to facilitate the replacement of damaged items.
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 3/04815 - Interaction with a metaphor-based environment or interaction object displayed as three-dimensional, e.g. changing the user viewpoint with respect to the environment or object
G06F 3/04842 - Selection of displayed objects or displayed text elements
Methods, computer-readable media, software, and apparatuses may calculate and inform a consumer of company privacy scores corresponding to companies with which the consumer has a corresponding account, or for a company associated with a web site that a consumer may visit. A consumer privacy score may also be determined, based on the company privacy scores. The company privacy scores may be based on a calculation including elements of a privacy practice of the corresponding company and elements of a privacy policy of the corresponding company.
Systems, methods, and apparatuses in accordance with embodiments of the invention can use a variety of computing devices to interact with and/or control a secure enclosure for a key fob. The secure enclosure may enclose the key fob, and includes a computing device, a locking mechanism, and at least one actuator. An actuator may control the locking mechanism. The actuator, when activated, may exert a force on a key fob secured within the secure enclosure, which may cause one of the buttons of the key fob to be depressed. The computing device controls the activation of the actuators. The computing device may have wireless communication capability that allows a user to wirelessly control the actuators of the computing device, for example, to lock or unlock the enclosure, or to depress a button of the key fob secured within the enclosure.
Systems and methods are provided for maintaining up-to-date insurance information at a mobile device. In some example embodiments, insurance information associated with an insurance customer is obtained, and an insurance card image is generated based on the insurance information. A connection is established with a mobile device associated with the insurance customer, and the insurance card image is provided to the mobile device. Receipt of the insurance card image at the mobile device causes the mobile device to store the insurance card image. A response is initiated upon determining that the insurance card image was displayed at the mobile device. Telematics information is also analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.
Systems and methods for using a computing device with sensors to determine a holistic characteristic. The computing device is configured to receive from a user device, via a first wireless data connection, a request to generate vehicle service parameters, based on a current condition of a feature of a vehicle, receive from the user device, via the first wireless data connection, vehicle-specific identifying information, determine data for a past condition for the feature of the vehicle, using the vehicle-specific identifying information, establish a second wireless data connection with an electronic system of the vehicle, receive, from the electronic system of the vehicle, via the second wireless data connection, data of a current condition for the feature, compare the data of the past condition and the data of the current condition, and generate a vehicle service parameter based on the comparison.
G07C 5/00 - Registering or indicating the working of vehicles
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
Apparatuses, systems, and methods are provided for the utilization of vehicle control systems to cause a vehicle to take preventative action responsive to the detection of a near short term adverse driving scenario. A vehicle control system may receive information corresponding to vehicle operation data and ancillary data. Based on the received vehicle operation data and the received ancillary data, a multi-dimension risk score module may calculate risk scores associated with the received vehicle operation data and the received ancillary data. Subsequently, the vehicle control systems may cause the vehicle to perform at least one of a close call detection action and a close call detection alert to lessen the risk associated with the received vehicle operation data and the received ancillary data.
B60W 60/00 - Drive control systems specially adapted for autonomous road vehicles
B60T 7/18 - Brake-action initiating means for initiation not subject to will of driver or passenger operated by remote control, i.e. initiating means not mounted on vehicle operated by wayside apparatus
B60T 7/22 - Brake-action initiating means for initiation not subject to will of driver or passenger initiated by contact of vehicle, e.g. bumper, with an external object, e.g. another vehicle
B60Q 1/46 - Arrangement of optical signalling or lighting devices, the mounting or supporting thereof or circuits therefor the devices being primarily intended to indicate the vehicle, or parts thereof, or to give signals, to other traffic for giving flashing caution signals during drive, other than signalling change of direction, e.g. flashing the headlights
B60Q 9/00 - Arrangement or adaptation of signal devices not provided for in one of main groups
B60Q 1/08 - Arrangement of optical signalling or lighting devices, the mounting or supporting thereof or circuits therefor the devices being primarily intended to illuminate the way ahead or to illuminate other areas of way or environments the devices being headlights adjustable, e.g. remotely-controlled from inside vehicle automatically
G06N 7/01 - Probabilistic graphical models, e.g. probabilistic networks
B60Q 1/50 - Arrangement of optical signalling or lighting devices, the mounting or supporting thereof or circuits therefor the devices being primarily intended to indicate the vehicle, or parts thereof, or to give signals, to other traffic for indicating other intentions or conditions, e.g. request for waiting or overtaking
B60W 50/08 - Interaction between the driver and the control system
B60R 1/00 - Optical viewing arrangements; Real-time viewing arrangements for drivers or passengers using optical image capturing systems, e.g. cameras or video systems specially adapted for use in or on vehicles
B60R 25/00 - Fittings or systems for preventing or indicating unauthorised use or theft of vehicles
B60R 25/10 - Fittings or systems for preventing or indicating unauthorised use or theft of vehicles actuating a signalling device
B60T 7/12 - Brake-action initiating means for initiation not subject to will of driver or passenger
G05B 15/02 - Systems controlled by a computer electric
One or more devices in a data analysis computing system may be configured to receive and analyze acceleration data corresponding to driving data, analyze the acceleration data, and determine driving patterns and associated drivers based on the data. Acceleration data may be collected by one or more mobile devices, such as smartphones, tablet computers, and/or on-board vehicle systems. Drivers associated with driving trips may be identified based on the acceleration data collected by the mobile devices. In some cases, driving patterns may be determined based on the acceleration data before and after stopping points during driving trips, and the driving patterns may be compared to a set of previously stored driving patterns associated with various different drivers.
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
G01C 21/14 - Navigation; Navigational instruments not provided for in groups by using measurement of speed or acceleration executed aboard the object being navigated; Dead reckoning by recording the course traversed by the object
G07C 5/00 - Registering or indicating the working of vehicles
G01C 21/12 - Navigation; Navigational instruments not provided for in groups by using measurement of speed or acceleration executed aboard the object being navigated; Dead reckoning
Methods, computer-readable media, software, and apparatuses may assist a consumer in keeping track of a consumer's accounts in order to prevent unauthorized access or use of the consumer's identified subscriptions and financial accounts. The identified subscriptions and financial accounts may be displayed to the consumer along with recommendations and assistance for closing unused or unwanted financial accounts and subscriptions to prevent unauthorized access or use.
Methods, computer-readable media, software, and apparatuses may determine source code keywords via analysis of a source code file, map the source code keywords to test keywords, based on a similarity between the source code keywords and the test keywords, wherein the test keywords are associated with test cases, and cause execution of one or more of the test cases. Artificial intelligence driven testing utilizes artificial intelligence in analysis of source code and may automatically select and perform tests on the source code based on results of the analysis.
Systems and methods provide customizable insurance according to consumer preferences and attributes. An enhanced attributes analysis server may analyze the attributes of a consumer and match these attributes with attributes of current customers of an entity managing the server. The insurance products/plans preferred by the matched customers may then be used to present insurance options to the consumer. In addition, the server may further customize insurance options based on answers to questions that relate to the consumer's specific situation. Further still, the consumer's social network may be used to understand insurance products/plans that may be preferred by the consumer.
Systems and methods are disclosed for electronically detecting and determining a type of inspection to recommend for a property and/or one or more characteristics of the property using input from multiple computing devices, such as image capturing devices, mobile devices, external data sources, internal data sources, and/or other data sources. A computing device may receive, via a communication interface, a plurality of images of a property. The computing device may determine, based on the plurality of images of the property, a score indicative of a level of care of the property. The computing device may determine, based on the plurality of images of the property, an estimate of a value of the property. Based on the determined score indicative of the level of care of the property and the determined estimate of the value of the property, the computing device may determine a recommendation for a type of inspection to perform on the property. The computing device may send, via the communication interface, the recommendation for the type of inspection for display on a display of a user device.
A system, includes at least one processor and memory storing instructions that, when executed by the at least one processor, cause the system to perform operations. The operations include receiving, from a sensor associated with an object, sensor data; determining, based on the sensor data, a damage model indicating a severity of one or more damage elements; determining, based on the sensor data, scene data identifying a geographic location; and generating, by at least one machine classifier, event interpretation data for each of the one or more damage elements, wherein the event interpretation data is based on the sensor data, the damage model, and the scene data.
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
A central claims adjuster control unit associated with an entity may oversee the assignment of claims cases to claims adjusters. The control unit may designate that a threshold number of cases may be assigned to certain claims adjusters. When new claims cases arrive, the control unit may monitor the workload of each of the claims adjusters and the threshold value assigned to any of the claims adjusters before assigning the case to one of the adjusters. If no adjuster is available, the control unit may store the case(s) in a memory until one of the adjusters becomes available. An additional feature of the control unit includes a user interface for modifying information about claims adjusters, including whether or not a threshold value is associated with them, the value of any associated threshold, and the reassignment of cases from one adjuster to another.
Systems and methods are provided for retrieving insurance information of an insurance customer at a mobile device. An insurance information token may be affixed to a vehicle and scanned by an optical input device of the mobile device. The optical input device may thus obtain optical input corresponding to the insurance information token. The insurance information of the insurance customer may be retrieved based on the optical input and presented at a display device of the mobile device upon retrieval. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned. Telematics information may also be analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.
Implementations claimed and described herein provide systems and methods for generating a driving behavior assessment using telematics data. The systems and methods use different types of telematics data generated via different data connections. Vehicle behavior telematics data is generated using a first type of connection with a vehicle (e.g., using an onboard diagnostics (OBD) device) and personal mobility telematics data is generated using a second type of connection via a mobile device associated with a vehicle operator. One or more driving attributes associated with the vehicle operator are determined by the system based on at least one of the vehicle behavior telematics data or the personal mobility telematics data. Scoring factors are calculated based on the one or more driving attributes. Furthermore, a policy level rate structure for an insurance policy can be generated based on the one or more scoring factors.
Implementations claimed and described herein provide systems and methods for determining fuel efficiency based on sensor data from a mobile device. In one implementation, sensor data from a mobile device is collected. The sensor data includes a dataset that reflects a last trip on a vehicle by the mobile device, wherein the sensor data is collected from at least one of global position system (GPS) data and micro-electro-mechanical system (MEMS) sensor data of the mobile device. Driving events comprising at least one of one or more braking events, one or more speeding events, and one or more acceleration events are determined based on the sensor data. A fuel consumption prediction is predicted via a trained prediction model based on the driving events.
Implementations include classifying vehicle trips as similar to previous trips or trips reversed based on location information of a vehicle received from a location device. Unique tile identifiers of the trip, each corresponding to a geographic area and the location information, may be determined and used to generate a fingerprint of the trip. The derived trip fingerprint of the trip information may be compared to stored fingerprints of one or more previously received trips to determine if the new trip is similar to one or more of the previous trips or trips reversed. In one instance, two trips that share a similar route but in opposite directions may be identified as a trip pair and stored in a trip database as the trip pair.
Implementations claimed and described herein provide systems and methods for generating a driving behavior assessment using telematics data. The systems and methods use different types of telematics data generated via different data connections. Vehicle behavior telematics data is generated using a first type of connection with a vehicle (e.g., using an onboard diagnostics (OBD) device) and personal mobility telematics data is generated using a second type of connection via a mobile device associated with a vehicle operator. One or more driving attributes associated with the vehicle operator are determined by the system based on at least one of the vehicle behavior telematics data or the personal mobility telematics data. Scoring factors are calculated based on the one or more driving attributes. Furthermore, a policy level rate structure for an insurance policy can be generated based on the one or more scoring factors.
H04W 4/40 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
H04W 4/44 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
66.
SYSTEM AND METHOD FOR IDENTIFYING TRIP SIMILARITIES
Implementations include classifying vehicle trips as similar to previous trips based on location information of a vehicle received from a location device. Unique tile identifiers of the trip, each corresponding to a geographic area and the location information, may be determined and used to generate a fingerprint of the trip. The derived trip fingerprint of the trip information may be compared to stored fingerprints of one or more previously received trips to determine if the new trip is similar to one or more of the previous trips. In one instance, information or data of a new trip may be adjusted based on previous trip data. For example, aspects of the new trip or the previous trip may be updated with information or data of a previous trip if the new trip and the previous trip are similar.
Implementations claimed and described herein provide systems and methods for determining fuel efficiency based on sensor data from a mobile device. In one implementation, sensor data from a mobile device is collected. The sensor data includes a dataset that reflects a last trip on a vehicle by the mobile device, wherein the sensor data is collected from at least one of global position system (GPS) data and micro-electro-mechanical system (MEMS) sensor data of the mobile device. Driving events comprising at least one of one or more braking events, one or more speeding events, and one or more acceleration events are determined based on the sensor data. A fuel consumption prediction is predicted via a trained prediction model based on the driving events.
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
Methods, computer-readable media, software, and apparatuses may assist a user in automatically updating their personal information across a plurality of entities which have previously stored the user's personal information.
36 - Financial, insurance and real estate services
41 - Education, entertainment, sporting and cultural services
44 - Medical, veterinary, hygienic and cosmetic services; agriculture, horticulture and forestry services
Goods & Services
(1) Retail pharmacy services; career planning services; providing career information; career services in the field of human resources development, namely, for the promotion of employee retention, career growth, and increased productivity for employees and employers; human resources consultancy; human resources services; consulting services in the fields of business management, human resources, and business organizational design; human resources consultation in the field of racial diversity and inclusive hiring practices; marketing services; marketing services, namely, providing marketing strategies for attracting qualified candidates for job openings.
(2) Insurance services; administration of employee benefit plans, namely, providing health care benefit plans, retirement savings plans, and profit sharing plans to employees as well as consulting services for employees in the field of healthcare benefits and employee financial benefit plans as a result of marriage, adoption, parenthood, dissolution of marriage and domestic partnerships, retirement, and the death of family members; financial and information services, namely, providing financial and investment opportunity information to employees.
(3) Physical fitness services, namely, providing group exercise instruction, equipment, and facilities; employee assistance services, namely, services in the nature of training services for employees in the field of balancing the demands of work and life; providing assistance in the field of parenthood, namely, on-line educational parental training classes; career coaching services; employment hiring, recruiting, staffing and career networking services.
(4) Providing assistance, fitness evaluation and consultation to individuals to help them make health, wellness and nutritional changes in their daily living to improve health; providing assistance in connection with parenthood, namely, providing information in the field of parenting concerning the health of children.
70.
Nous sommes les bonnes mains. Et meilleurs ensemble.
36 - Financial, insurance and real estate services
41 - Education, entertainment, sporting and cultural services
44 - Medical, veterinary, hygienic and cosmetic services; agriculture, horticulture and forestry services
Goods & Services
(1) Retail pharmacy services; career planning services; providing career information; career services in the field of human resources development, namely, for the promotion of employee retention, career growth, and increased productivity for employees and employers; human resources consultancy; human resources services; consulting services in the fields of business management, human resources, and business organizational design; human resources consultation in the field of racial diversity and inclusive hiring practices; marketing services; marketing services, namely, providing marketing strategies for attracting qualified candidates for job openings.
(2) Insurance services; administration of employee benefit plans, namely, providing health care benefit plans, retirement savings plans, and profit sharing plans to employees as well as consulting services for employees in the field of healthcare benefits and employee financial benefit plans as a result of marriage, adoption, parenthood, dissolution of marriage and domestic partnerships, retirement, and the death of family members; financial and information services, namely, providing financial and investment opportunity information to employees.
(3) Physical fitness services, namely, providing group exercise instruction, equipment, and facilities; employee assistance services, namely, services in the nature of training services for employees in the field of balancing the demands of work and life; providing assistance in the field of parenthood, namely, on-line educational parental training classes; career coaching services; employment hiring, recruiting, staffing and career networking services.
(4) Providing assistance, fitness evaluation and consultation to individuals to help them make health, wellness and nutritional changes in their daily living to improve health; providing assistance in connection with parenthood, namely, providing information in the field of parenting concerning the health of children.
A multi-stop route selection system may include a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device, and a server computer. The server computer may receive driving data of a driver of the vehicle and a vehicle location from the telematics device, determine one or more driving behaviors of the driver based on the driving data, receive data regarding a calendar of the driver from the mobile device, identify a plurality of appointments in the calendar, determine a route comprising multiple destinations for the driver based on the vehicle location, the one or more driving behaviors, and the plurality of appointments, transmit the route to the mobile device, receive a request to add a new destination to the route from the mobile device, generate a modified route comprising the new destination, and transmit the modified route for the driver to the mobile device.
G01C 21/36 - Input/output arrangements for on-board computers
H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
H04W 4/40 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
H04W 4/44 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
72.
SYSTEM AND METHOD FOR IDENTIFYING TRIP SIMILARITIES
Implementations include classifying vehicle trips as similar to previous trips based on location information of a vehicle received from a location device. Unique tile identifiers of the trip, each corresponding to a geographic area and the location information, may be determined and used to generate a fingerprint of the trip. The derived trip fingerprint of the trip information may be compared to stored fingerprints of one or more previously received trips to determine if the new trip is similar to one or more of the previous trips. In one instance, information or data of a new trip may be adjusted based on previous trip data. For example, aspects of the new trip or the previous trip may be updated with information or data of a previous trip if the new trip and the previous trip are similar.
Aspects of the disclosure relate to a system and method for cryptographically transmitting and storing identity tokens and/or activity data among spatially distributed computing devices. The system may comprise a plurality of chains, such as an identity chain and an activity chain. In some aspects, identity data associated with a user may be used to generate an identity token for the user. The identity token may be transmitted to a plurality of computing devices for verification. Based on a verification of the identity token, the identity token may be stored in the identity chain. A request to perform an activity may also be received, and identity data associated with the user may be received in order to authenticate the user. The computing device may generate, based on the received identity data, an identity token for the user.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
Aspects of the disclosure relate to using machine learning algorithms to analyze vehicle operational data associated with a vehicle accident. In some instances, an accident assessment server may receive data indicating that a vehicle was involved in an accident. The accident assessment server may compare the data with other known data, based on machine learning algorithms, to identify whether the accident resulted in a total loss. Responsive to determining that the accident resulted in the total loss, the accident assessment server may request further information regarding the vehicle and may identify a baseline value range for the vehicle. The accident assessment server may request updated information from the owner of the vehicle, identify, based on the updated information, a final value of the vehicle, and may pay the owner of the vehicle an amount corresponding to the final value if the final value is within the baseline value range.
Implementations include classifying vehicle trips as similar to previous trips or trips reversed based on location information of a vehicle received from a location device. Unique tile identifiers of the trip, each corresponding to a geographic area and the location information, may be determined and used to generate a fingerprint of the trip. The derived trip fingerprint of the trip information may be compared to stored fingerprints of one or more previously received trips to determine if the new trip is similar to one or more of the previous trips or trips reversed. In one instance, two trips that share a similar route but in opposite directions may be identified as a trip pair and stored in a trip database as the trip pair.
36 - Financial, insurance and real estate services
Goods & Services
Insurance services, namely, writing and underwriting of property insurance, automobile insurance, commercial insurance and life insurance, and providing ancillary services thereto, namely, administration and claims adjustment
77.
Systems and Methods for Using Sensors to Determine a Holistic Vehicle Characteristic and/or to Generate Parameters for a Vehicle Service
Systems and methods for using a computing device with sensors to determine a holistic characteristic for a vehicle and/or to generate parameter(s) for a vehicle service. The computing device is configured to receive from a user device, via a first wireless data connection, a request to generate vehicle service parameters, based on a current condition of a feature of a vehicle. The computing device is configured to receive from the user device, via the first wireless data connection, vehicle-specific identifying information. The computing device is configured to determine data for a past condition for the feature of the vehicle, using the vehicle-specific identifying information. The computing device is configured to establish a second wireless data connection with an electronic system of the vehicle. The computing device is configured to receive, from the electronic system of the vehicle, via the second wireless data connection, data of a current condition for the feature. The computing device is configured to compare the data of the past condition and the data of the current condition. The computing device is configured to generate a vehicle service parameter based on the comparison.
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
G07C 5/00 - Registering or indicating the working of vehicles
One or more driving analysis computing devices in a driving analysis system may be configured to analyze driving data, determine driving behaviors, and determine whether a collision is imminent or has occurred using vehicle-to-vehicle (V2V) communications. Determination of whether a collision has occurred may be based on X-axis, Y-axis, and Z-axis positional data from two vehicles. Driving data from multiple vehicles may be collected by vehicle sensors or other vehicle-based systems, transmitted using V2V communications, and then analyzed and compared to determine various driving behaviors by the drivers of the vehicles.
Disclosed herein are systems and/or methods for determining an insurance status for one or more drivers and/or vehicles. The system may identify a driver of a vehicle, such as by facial recognition or a retinal scan. Based on the identification, the system may determine the insurance status of the driver. If there is an issue with the insurance status, the system may prompt the driver to take some action. The system may also institute limitations upon the vehicle if there is an issue with the insurance status. In some instances, the system may determine the insurance status for multiple drivers in the area, and may warn a driver if he or she is in the vicinity of one or more underinsured drivers and/or vehicles.
Methods, computer-readable media, software, and system may generally identify, determine, and understand the significance of commute location data using telematics data. The system and methods may identify significant commute location data and points by analyzing telematics data and capturing GPS locations associated with the mobility of a user. The commute location data may be classified as data points including origin, destination, and waypoints. This commute location data may be used with metadata to identify significant locations associated with the user. The commute location data may also be used with metadata to understand mobility behavior of the user. Lastly, the commute location data may be used with metadata to determine risk associated with the user, such as based on a risk map.
Electronic display systems, including roadside display devices, vehicle-based devices, personal mobile devices, intermediary servers, advertising servers and/or networks, and/or additional external data sources may operate individually or in combination to identify one or more vehicle locations, driving routes, driver and passenger characteristics, driving behavior and patterns, telematics data, and the like. Vehicle and individual characteristics and/or telematics data may be determined based on data received from traffic cameras, vehicle-based devices, personal mobile devices, telematics devices, and/or other data sources, including software applications. Based on the vehicle characteristics, individual characteristics, driving data and driving patterns, telematics data, and the like, content, such as digital display content or audio content, may be determined for output on various devices, such as electronic roadside displays to be viewable by the approaching vehicles, and/or other devices to be accessible by associated individuals via the other devices. Various techniques may be used to determine customized content. Additionally, certain systems may be interactive to allow user responses and follow-up content via on-board vehicle devices or other user devices.
Systems and methods provide for a computerized system for quoting home owners insurance and providing a more consultative way of delivering insurance quotes and insurance quote information. The system may present insurance consumers with an automated process of asking questions and receiving feedback. Based on the feedback, the system may provide insurance options and explanations of those options enabling consumers to make a decision that best fits their personal situation. For example, systems and methods are directed to determining and providing a deductible that fits a user based on the user's tolerance for risk and cash position. The system may also provide a description of the types of risks and damages that are covered by particular insurance coverages. The system may also provide an analysis of the insurance obtained by similarly situated individuals. The system may also provide descriptions of insurance features.
A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.
A system may receive driving information associated with a first driver of a shared mobility service, the driving information comprising processed sensor data received from one or more sensors of a vehicle associated with the first driver. Subsequently, the system may determine, based on at least one of recorded audio signals and a wireless signal, one or more time periods during which the first driver was transporting at least one passenger of the shared mobility service. Thereafter, the system may determine, based on correlating the driving information with the one or more time periods, a first score for the first driver. Then, the system may transmit a notification of a ride opportunity to the first driver responsive to determining that the first score for the first driver is higher than a second score for a second driver.
Aspects of the disclosure relate to using machine learning methods to produce commercial and shared economy insights. A computing platform may receive historical claim processing information. The computing platform may train a machine learning model using the historical claim processing information, which may configure the machine learning model to output new claim processing information based on claim information. The computer platform may receive a new claim, including claim information, and may process the new claim using the machine learning model, which may result in the new claim processing information. The computing platform may send, to a user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information, which may cause the user computing device to display the new claim processing information.
Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may use a demographic classification for a given user along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory. Finally, the optimized inventory analysis server may recommend incentives on products/services sold by third party entities and may further recommend incentives on insurance products for insuring items purchased by a given user.
Systems and methods provide for an automated system for analyzing damage to process claims and pre-claim consultations associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. In addition, the server may interface with third party entities such as repair shops and may generate a payment for compensating a claimant for repair of the insured item.
Aspects of the disclosure describe systems and methods for handling a loss involving an insured vehicle. A total loss evaluation and handling system receives vehicle state data and determines that a loss involving the vehicle has occurred. A total loss evaluator selects a set of total loss rules configured to determine whether the loss is a total loss. The total loss evaluator applies the total loss rules selected to the vehicle state data received and determines whether the loss is a total loss based on the total loss rules applied. A total loss handler obtains an estimated value of the vehicle and generates a settlement amount based on the estimated value. The total loss handler initiates a payment corresponding to the settlement amount as settlement for the total loss.
Intelligent disturbance detection systems and methods of use to capture a disturbance via an application tool on a mobile smart device remote from the user, extract features from the disturbance, compare the extracted features to disturbance labels of a disturbance set in a comparison by a disturbance detection neural network model of the application tool, generate a disturbance label when the extracted features match the disturbance label in the comparison, train the model to generate a custom disturbance label associated with the extracted features when the extracted features do not match the one or more disturbance labels in the comparison, and generate an automatic alert via the mobile smart device to transmit an identification of the disturbance to the user based on the disturbance label, the custom disturbance label, or combinations thereof.
A method of determining and optimizing the location of a new insurance agency is disclosed to increase market penetration of underrepresented markets. The method comprises the use of a scoring algorithm to rank various geographic regions or related zip codes. The scoring algorithm may be implemented by a location modeling system based on variables selected by a user. In addition, the various ranked geographic regions or related zip codes may be analyzed for proximity to natural or man made perils.
G06Q 10/0637 - Strategic management or analysis, e.g. setting a goal or target of an organisation; Planning actions based on goals; Analysis or evaluation of effectiveness of goals
91.
Data Processing System for Secure Data Sharing and Customized Output Generation
Aspects of the disclosure relate to computing platforms that utilize third party data for customized output generation. A computing platform may receive encrypted data corresponding to a travel history. The computing platform may decrypt a portion of the encrypted data, resulting in first decrypted travel history data. The computing platform may direct a user device to display the first decrypted travel history data, along with a first option to continue decrypting a subsequent portion of the encrypted data and a second option to delete the first decrypted travel history data. After receiving a selection of the first option, the computing platform may decrypt the subsequent portion of the encrypted data. After determining that the encrypted data is fully decrypted, the computing platform may process the decrypted data to generate a customized product output, and may direct the user device to display the customized product output.
Aspects of the disclosure relate to enhanced selectable item availability processing systems with improved content and configuration update capability and enhanced selectable item availability output determinations. A computing platform may receive a selectable item availability configuration output comprising a configuration update to the selectable item availability output and a selectable item availability content output comprising a content update to the selectable item availability output. Based on the selectable item availability configuration output and the selectable item availability content output, the computing platform may generate an updated selectable item availability output. The computing platform may receive a request to access the selectable item availability output. The computing platform may generate one or more commands to cause display of the updated selectable item availability output and may send, to a user device, the updated selectable item availability output along with the one or more commands.
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
A method, medium, and apparatus for allowing evaluation of property, such as damaged property, remotely and efficiently. A mobile computing device at the location of the property may be used to transmit video of the property to an adjuster, and to receive video and audio communications from the adjuster. The adjuster may be selected from a queue based on time waiting in the queue and/or a number of other statistics and attributes of the adjuster. The adjuster may converse with an owner of the property and capture video of the property in order to make an appraisal or determine the infeasibility of remote appraisal and the need to instruct another adjuster to perform a physical inspection.
Systems and methods are provided for retrieving insurance information of an insurance customer at a mobile device. An insurance information token may be affixed to a vehicle and scanned by an optical input device of the mobile device. The optical input device may thus obtain optical input corresponding to the insurance information token. The insurance information of the insurance customer may be retrieved based on the optical input and presented at a display device of the mobile device upon retrieval. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned. Telematics information may also be analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.
Aspects of the disclosure generally relate to monitoring and/or sensing of one or more home devices from one or more homes. In particular, various aspects described herein relate to receiving data from one or more sensors associated with one or more home devices from one or more homes and using the data to determine insurance rates or premiums, discounts, incentives, and the like. Further, aspects of the disclosure relate to computer hardware and software. In particular, one or more aspects of the disclosure relate to the connected home or smart home market (i.e. connected devices and systems within or related to the home) which is rapidly evolving and growing.
Systems and apparatuses for identifying a type of issue associated with a stopped vehicle are provided. The system may determine a current location of the vehicle and determine whether the vehicle is currently located on a highway. In some examples, the determined location of the vehicle may cause the system to transmit instructions controlling an amount or type of data collected by sensors and/or transmitted to the system. If the vehicle is on a highway, the system may then determine whether the vehicle is stopped. If so, the system may determine a reason for the vehicle stopping. Upon determining that the vehicle is stopped for an urgent reason, the system may transmit a request for roadside assistance to a service provider computing device and may generate a first type of notification. Upon determining that the vehicle is stopped for a non-urgent situation reason, the system may generate and transmit a second type of notification for display.
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
G08G 1/123 - Traffic control systems for road vehicles indicating the position of vehicles, e.g. scheduled vehicles
97.
Processing System Having A Machine Learning Engine For Providing A Common Trip Format (CTF) Output
Aspects of the disclosure relate to enhanced telematics processing systems with improved third party source data integration features and enhanced customized driving output determinations. A computing platform may receive telematics data and third party source data. The computing platform may enrich the telematics data using the third party source data. After generating the enriched telematics data, the computing platform may use machine learning algorithms and datasets to validate the enriched telematics data. The computing platform may ingest, via a batch ingestion process, the enriched telematics data. For example, the computing platform may store the enriched telematics data and generate additional enriched telematics data until expiration of a predetermined period of time. The computing platform may ingest the enriched telematics data associated with each trip. Once the enriched telematics data has been ingested, the computing platform may generate a standardized common trip format output for each trip.
H04W 4/44 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
G07C 5/00 - Registering or indicating the working of vehicles
G06Q 10/0639 - Performance analysis of employees; Performance analysis of enterprise or organisation operations
Methods, computer-readable media, software, and apparatuses provide a system for adjusting a deductible based on a current driving situation. Information regarding the current driving situation related to a vehicle may be obtained from various sources. The information may be used to evaluate a degree of safety of the current driving situation. If the driving situation is deemed to be safe, the deductible may be lowered. The amount the deductible may be lowered may be determined based on insurance information regarding past accidents or past insurance claims. A notification of the adjustment may be output to the driver. Also, the adjustment may be stored with a time associated with the adjustment so that the appropriate deductible is used in case of an accident. Multiple adjustments to the deductible may be made during a single trip as the driving situation changes.
A system and method are disclosed to promote good driving among users. A user-customizable good driving (GD) wish list may be created, populated, modified, and/or used to promote good driving. The GD wish list may be used in conjunction with a vehicle telematics unit (VTU) to monitor, process, detect, and/or record good driving events, and communicate and/or generate positive feedback for the user. In addition to positive feedback, good driving (GD) points may be accumulated based on driving behavior. The accumulated GD points may be used in conjunction with a product and/or service offering, such as by an insurance company. Furthermore, in some examples, the system encourages users to promote good driving behavior by pledging themselves to a challenging GD wish list that will earn them more GD points and the associated benefits.
Methods, computer-readable media, software, and apparatuses may determine, for a geographic region and based on geolocation data, a plurality of sub-regions, where each sub-region of the plurality of sub-regions may include real properties with a shared profile. The system may associate, with each sub-region, a collection of coordinate pairs, where each coordinate pair comprises a latitude and a longitude, and the collection describes a boundary of a geometric shape corresponding to the sub-region. The system may associate, with the geographic region, geometric shapes corresponding to the plurality of sub-regions. The system may associate, with each geometric shape, a rating factor for the real properties located within the sub-region corresponding to the geometric shape. The system may store the geometric shapes and rating factors, and may generate, based on the rating factor and for the real properties located within the sub-region, an output, and provide the generated output.
