Systems and methods for automated digital account change are implemented. Execution of machine readable instructions by a processor causes the system to scan a digital footprint of digital accounts of a user, determine a detected event associated with the user that has occurred based on the detected event satisfying a trigger event condition, generate the interactive checklist including checklist action items to be performed to change information for at least one of the digital accounts of the user based on the detected event, automatically generate at least one prompt for at least one checklist action item of the checklist action items for the user to accept or reject the at least one checklist action item, modify the interactive checklist with an accept modification, and perform the at least one checklist action item to change information for at least one of the digital accounts of the user.
Systems and methods in accordance with embodiments of the invention can obtain and use a variety of telematics and other data to predict potential claim or accident outcomes arising from a variety of incidents, such as automobile accidents. The claim or accident outcomes, such as parts of the vehicle damaged, accident category, expected liabilities, and many others, can be predicted based on the telematics and other data, such as accelerometer data, heading data, location/GPS, barometer, gyroscope, magnetometer data, and the like. The machine learning classifiers that can be generated are trained on historical data, consisting of claims, telematics, and/or other relevant data. In a variety of embodiments, the telematics data can be captured using a telematics device installed in the vehicle and/or via a mobile device associated with the vehicle.
Aspects of the disclosure provide a computer-implemented method and system for ordering food remotely or from a vehicle for pick-up or delivery by providing the use of an application on a mobile device that provides information that allows the ordering. The computer-implemented method and system may include an order in advance application that allows a user or the system automatically to place an order based on previous orders. The computer-implemented method and system may also allow for the electronic payment for the food.
Aspects of the disclosure provide a computer-implemented method and system for ordering food remotely or from a vehicle for pick-up or delivery by providing the use of an application on a mobile device that provides information that allows the ordering. The computer-implemented method and system may include an order in advance application that allows a user or the system automatically to place an order based on previous orders. The computer-implemented method and system may also allow for the electronic payment for the food.
Telematics information regarding the user and/or the vehicle may be utilized to provide information regarding a user's location, velocity, route, and destination. The computer-implemented method and system may utilize this telematics information to provide a prioritized ranked list of restaurants for the user. The computer-implemented method and system may utilize insurance information to provide additional features and enhance the mobile food order method and system.
Systems and methods for predicting vehicle events before they occur using navigation and sensor data are provided. The system receives navigation data associated with a planned route and sensor data from vehicle sensors including camera, position, and motion data. Based on this information, the system predicts a future vehicle event before the event occurs. The system determines a time-to-impact for the predicted event and calculates an expected reaction time using a driving error model. By comparing the time-to-impact to the expected reaction time, the system determines a threshold time for intervention. The system generates a vehicle instruction based on the threshold, which may include autonomous driving instructions, driver alerts, or instructions to transition to autonomous control. The system may utilize machine learning algorithms trained to recognize event signatures and patterns, enabling prediction of events such as highway exits, lane changes, and turns at intersections before they begin.
B60W 40/08 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conducteurs ou aux passagers
5.
Systems and Methods For Predicted Total Loss Determinations Based On Image Analysis
Intelligent prediction systems and methods of use to analyze one or more uploaded and labeled images to generate one or more processed images via a data analytics module, determine an identified property type from the processed images, generate a match between the identified property type and a reported property type associated with a claim identifier and a total loss score, and generate an automated predicted total loss determination based on the total loss score, the one or more processed images from the data analytics module, and the match.
Methods and systems for entity assignment to assign an entity of a plurality of entities to a lead resource of at least two lead resources may include receiving a score for each entity of the plurality of entities. The method may further include determining a ranking of the plurality of entities based upon the score for each entity and receiving a distance between each entity of the plurality of entities and each lead resource of the at least two lead resources, wherein the plurality of entities are greater in number than the at least two lead resources. The method may also include applying an optimization algorithm based on the ranking and the distance between each entity and each lead resource and updating the optimization algorithm in real-time until each entity of the plurality of entities is paired to one of the at least two lead resources.
A computing system comprises one or more processors, and one or more storage devices that comprise instruction code that is executable by the one or more processors. The instruction code is executable by the processors to cause the computing system to receive data indicative of respective locations of one or more points of interest (POIs). The computing system generates a geographic region that comprises one or more isochrone regions associated respectively with one or more POIs of a plurality of POIs. After determining that a particular driver has traveled outside the geographic region, the computing system communicates an alert indication.
Methods, computer readable media, and computing platform to virtually coach a driver of a vehicle are provided. A virtual coaching agent program may control a computing device to receive drive data from a component in communication with the vehicle while a driver is driving the vehicle, the drive data indicative of one or more current characteristics of a drive trip of the vehicle, determine driver behavior of the driver from the drive data, generate, in real time, a coaching response based on the determined driver behavior and deliver, in real-time, the coaching response to the driver within the vehicle via a virtual representation of a coaching agent to promote a driver action.
Methods, computer readable media, and computing platform for smart coaching of a driver of a vehicle are provided. A smart coaching program may control a computing device to receive drive data from a component in communication with the vehicle while a driver is driving the vehicle, the drive data indicative of one or more current characteristics of a drive trip of the vehicle, determine driver behavior of the driver from the drive data, generate a learning skill set by a machine learning model based on the determined driver behavior and deliver the learning skill set to the driver to improve driving skills of the driver.
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for providing information and assessing data for motor club services, namely, emergency automobile towing and travel information for members; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in providing and maintaining information related to automobile maintenance, repair services, automobile, providers, roadside assistance services, emergency road services, and general cost estimates for automobile repairs; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with sales and consultation services for Exclusive Agents and Independent Agents; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with the administration of employee benefit plans concerning insurance and financial aspects of retirement; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in enhancing computer security services for protecting personal data, identity theft, personal communications, and restricting unauthorized access to websites; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in monitoring websites and online publications for personal information; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in managing online accounts, online subscriptions, and personal information; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in insurance brokerage services; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for electronic products namely, mobile phones, computers, GPS navigation devices, televisions, and tablets; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for home appliances, namely, air conditioning units, dishwashers, refrigerators, and washing machines; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for consumer products, namely, home and garden tools, air purifiers, air conditioners, home security systems, audio and video equipment and systems, electronic musical instruments and sound systems, video games, and electronic games; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in assessing insurance policies, claims, and accident assessments; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for assessing and enrolling in insurance plans; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in assessing and arranging subscriptions for trade-in programs for smart devices; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with alerts related to automobile maintenance and repair services, cost estimates for automobile repairs, scheduling for repairs, and roadside assistance. (1) Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in providing information and assessing data for motor club services, namely, emergency automobile towing and travel information for members; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in providing and maintaining information related to automobile maintenance, repair services, automobile, providers, roadside assistance services, emergency road services, and general cost estimates for automobile repairs; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with sales and consultation services for Exclusive Agents and Independent Agents; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with the administration of employee benefit plans concerning insurance and financial aspects of retirement; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in enhancing computer security services for protecting personal data, identity theft, personal communications, and restricting unauthorized access to websites; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in monitoring websites and online publications for personal information; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in managing online accounts, online subscriptions, and personal information; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in insurance brokerage services; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for electronic products namely, mobile phones, computers, GPS navigation devices, televisions, and tablets; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for home appliances, namely, air conditioning units, dishwashers, refrigerators, and washing machines; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for consumer products, namely, home and garden tools, air purifiers, air conditioners, home security systems, audio and video equipment and systems, electronic musical instruments and sound systems, video games, and electronic games; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in assessing insurance policies, claims, and accident assessments; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for assessing and enrolling in insurance plans; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for assessing and arranging subscriptions for trade-in programs for smart devices; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with alerts related to automobile maintenance and repair services, cost estimates for automobile repairs, scheduling for repairs, and roadside assistance.
11.
MOBILITY GRAPH-BASED DRIVER PROTECTION SYSTEM AND METHOD
[0074] A computing system comprises one or more processors, and one or more storage devices that comprise instruction code that is executable by the one or more processors. The instruction code is executable by the processors to cause the computing system to receive data indicative of respective locations of one or more points of interest (POIs). The computing system generates a geographic region that comprises one or more isochrone regions associated respectively with one or more POIs of a plurality of POIs. After determining that a particular driver has traveled outside the geographic region, the computing system communicates an alert indication.
G01C 21/26 - NavigationInstruments de navigation non prévus dans les groupes spécialement adaptés pour la navigation dans un réseau routier
G08G 1/123 - Systèmes de commande du trafic pour véhicules routiers indiquant la position de véhicules, p. ex. de véhicules à horaire déterminé
H04W 4/021 - Services concernant des domaines particuliers, p. ex. services de points d’intérêt, services sur place ou géorepères
H04W 4/44 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p. ex. communication véhicule-piétons pour la communication entre véhicules et infrastructures, p. ex. véhicule à nuage ou véhicule à domicile
12.
SYSTEMS AND METHODS FOR DETERMINING CONSUMER SENTIMENT
Aspects of the disclosure relate to systems and/or methods for determining consumer sentiment. For example, one or more machine learning models may analyze data to identify consumer sentiment associated with a transaction pathway corresponding with a transaction. The data may include at least one of structured data or unstructured data. Using the one or more machine learning models and processed consumer sentiment data stored in a database, the computing system may predict one or more transaction steps that include a score above a predetermined consumer sentiment threshold. A processing engine may receive feedback from the one or more machine learning models and the database to determine a recommend transaction pathway comprising the one or more predicted transaction steps. The computing system may monitor consumer sentiment data associated with the recommended transaction pathway until a consumer completes the recommended transaction pathway.
Methods and systems for verifying completion of a repair. A server receives an intake image when property arrives at a repair facility, and a post-repair image after the repair is reported complete. The system compares the images to verify that the repair is completed. Payment authorization is prevented if damage remains present and payment is authorized if the repair is verified complete. The system may detect additional damage potentially caused by the repair facility and require manual review.
Aspects of the disclosure relate to systems and/or methods for determining consumer sentiment. For example, one or more machine learning models may analyze data to identify consumer sentiment associated with a transaction pathway corresponding with a transaction. The data may include at least one of structured data or unstructured data. Using the one or more machine learning models and processed consumer sentiment data stored in a database, the computing system may predict one or more transaction steps that include a score above a predetermined consumer sentiment threshold. A processing engine may receive feedback from the one or more machine learning models and the database to determine a recommend transaction pathway comprising the one or more predicted transaction steps. The computing system may monitor consumer sentiment data associated with the recommended transaction pathway until a consumer completes the recommended transaction pathway.
A system includes a computing device configured to prompt a user to provide an open-ended query, receive, from an input device, the open-ended query, process the open-ended query with an artificial intelligence model. The computing device further classifies the user as either a first or second user level based on attributes of the open-ended query, and executes a rules-engine to analyze the intents and the entities identified by the artificial intelligence model and identify a fulfillment task from a plurality of rule defined tasks corresponding to the analysis of the intents and the entities such that the fulfillment task is identified to fulfill at least the intents. In response to classifying the user as the first user level, the computing device executes the fulfillment task, and in response to classifying the user as the second user level, the user is prompted with closed-ended inquiries to obtain additional intents or entities.
H04L 51/02 - Messagerie d'utilisateur à utilisateur dans des réseaux à commutation de paquets, transmise selon des protocoles de stockage et de retransmission ou en temps réel, p. ex. courriel en utilisant des réactions automatiques ou la délégation par l’utilisateur, p. ex. des réponses automatiques ou des messages générés par un agent conversationnel
Aspects of the disclosure relate to computer systems and/or methods to determine whether a vehicle event occurred during a trip. A computer model may be implemented on one or more computing devices in a vehicle computing environment to monitor sensor outputs from one or more sensors of the computing devices, and/or monitor outputs of one or more sub-models running on the computing devices to detect a vehicle event occurred. The computer model may predict whether roadside assistance is needed for a vehicle event based on the sensor output and/or the output of one or more sub-models. For example, based on a prediction that roadside assistance is needed, the computer model may generate a request for the roadside assistance and transmit the request to a service provider to provide the roadside assistance.
H04W 4/44 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p. ex. communication véhicule-piétons pour la communication entre véhicules et infrastructures, p. ex. véhicule à nuage ou véhicule à domicile
G07C 5/04 - Enregistrement ou indication du temps de circulation, de fonctionnement, d'arrêt ou d'attente uniquement utilisant des moyens de comptage ou compteurs à horloge
17.
Inspection and assessment based on mobile edge-computing
Methods, computer-readable media, software, and apparatuses may receive, at a field vehicle, field data from one or more unmanned autonomous vehicles, where the field data may be indicative of an item for assessment. Edge-computing, based on machine learning techniques, may be performed at the field vehicle to identify one or more characteristics of the assessment, and a projected cost may be determined. An estimate may be sent to a consumer. In some aspects, the projected costs may be based on local data related to a geographical location of the item. In another aspect, underwriting tasks may be performed at the field vehicle, and a quote may be sent to a consumer.
H04L 67/289 - Traitement intermédiaire fonctionnellement situé à proximité de l'application consommatrice de données, p. ex. dans la même machine, dans le même domicile ou dans le même sous-réseau
B64C 39/02 - Aéronefs non prévus ailleurs caractérisés par un emploi spécial
G06F 16/9538 - Présentation des résultats des requêtes
G06F 18/214 - Génération de motifs d'entraînementProcédés de Bootstrapping, p. ex. ”bagging” ou ”boosting”
Aspects of the disclosure relate to computing platforms that utilize improved machine learning techniques to identify vehicle problems and control ancillary computing systems. A computing platform may receive vibration data corresponding to a vehicle component. Using one or more machine learning models and based on the vibration data, the computing platform may identify a vehicle problem corresponding to the vibration data. After identifying the vehicle problem, the computing platform may transmit one or more commands directing the autonomous vehicle control system to autonomously navigate a vehicle to a service facility, where transmitting the one or more commands directing the autonomous vehicle control system to autonomously navigate the vehicle to the service facility causes the autonomous vehicle control system to autonomously navigate the vehicle to the service facility.
B60W 50/02 - Détails des systèmes d'aide à la conduite des véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier pour préserver la sécurité en cas de défaillance du système d'aide à la conduite, p. ex. en diagnostiquant ou en palliant à un dysfonctionnement
B60W 50/029 - Adaptation aux défaillances ou contournement par solutions alternatives, p. ex. en évitant l'utilisation de parties défaillantes
B60W 60/00 - Systèmes d’aide à la conduite spécialement adaptés aux véhicules routiers autonomes
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
G08G 1/00 - Systèmes de commande du trafic pour véhicules routiers
Methods, computer-readable media, software, and apparatuses may monitor consumer information in order to determine a probability of a data breach associated with a customer based on an online presence of the customer. The probability of a data breach may be used to present metrics to a consumer and/or a service provider. Further, the consumer may be presented with information indicating what factors contribute to the probability of a data breach, as well as information regarding how to reduce those factors.
G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
One or more devices in a data analysis computing system may be configured to receive and analyze movement data and determine driving trips based on the received data. The driving trips may be used along with the movement data to authenticate drivers based on a determined driver profile.
21.
SELF-SUPERVISED VISION TRANSFORMERS FOR AERIAL IMAGERY RECOGNITION
A computing system comprises one or more processors and one or more storage devices that comprise instruction code that is executable by the one or more processors. The instruction code is executable by the processors to cause the computing system to receive an aerial image that depicts a property. Input embeddings associated with the aerial image are generated by a vision transformer. The vision transformer transforms the input embeddings to output embeddings that specify features of the aerial image. The vision transformer is trained using a self-supervised learning technique to generate the output embeddings. The ViT communicates the output embedding to a loss model. The loss model is trained to predict a loss score associated with the property depicted in the aerial image. An indication of the loss score associated with the property is output by the computing system.
G06V 10/44 - Extraction de caractéristiques locales par analyse des parties du motif, p. ex. par détection d’arêtes, de contours, de boucles, d’angles, de barres ou d’intersectionsAnalyse de connectivité, p. ex. de composantes connectées
22.
CHATBOT SYSTEM AND MACHINE LEARNING MODULES FOR QUERY ANALYSIS AND INTERFACE GENERATION
Aspects of the disclosure relate to using machine learning methods for chatbot selection. A computing platform may train a plurality of machine learning models, each corresponding to a chatbot. The computing platform may train an additional machine learning model to route queries to the plurality of machine learning models based on contents of the queries. The computing platform may receive a query, and may analyze the query using the additional machine learning model. The computing platform may route, based on the query analysis, the query to the plurality of machine learning models. The computing platform may generate, using the plurality of machine learning models, a response to the query. The computing platform may send the response to the query and one or more commands directing a client device to display the response to the query, which may cause the client device to display the response to the query.
G06N 20/20 - Techniques d’ensemble en apprentissage automatique
H04L 51/02 - Messagerie d'utilisateur à utilisateur dans des réseaux à commutation de paquets, transmise selon des protocoles de stockage et de retransmission ou en temps réel, p. ex. courriel en utilisant des réactions automatiques ou la délégation par l’utilisateur, p. ex. des réponses automatiques ou des messages générés par un agent conversationnel
Methods, computer-readable media, software, and apparatuses provide a system for adjusting a deductible and/or determining eligibility for a deductible payment plan based on a user situation, wherein the user situation may include a driving situation and/or a home situation. Information regarding the user situation related to a vehicle or a home may be obtained from various sources. The information may be used to evaluate a degree of safety of the user situation. For example, the degree of safety may be associated with a user operating a vehicle and/or maintaining a home over a period of time. Based on the degree of safety of the user situation, the adjustment of the deductible and/or eligibility for the deductible payment plan may be determined. The system may also utilize one or more algorithms to process the information to determine eligibility for a deductible payment plan and/or adjustment of the deductible.
Methods, computer-readable media, software, and apparatuses provide a system for adjusting a deductible and/or determining eligibility for a deductible payment plan based on a user situation, wherein the user situation may include a driving situation and/or a home situation. Information regarding the user situation related to a vehicle or a home may be obtained from various sources. The information may be used to evaluate a degree of safety of the user situation. For example, the degree of safety may be associated with a user operating a vehicle and/or maintaining a home over a period of time. Based on the degree of safety of the user situation, the adjustment of the deductible and/or eligibility for the deductible payment plan may be determined. The system may also utilize one or more algorithms to process the information to determine eligibility for a deductible payment plan and/or adjustment of the deductible.
Systems and methods for intelligent caller to agent assignment receive requests to establish a voice call session for a plurality of callers, identify demographic information, score a caller-agent combination to generate a plurality of scores, determine the caller-agent combination with a highest score of the plurality of scores, and assign a first agent of the caller-agent combination with the highest score to the voice call session for a caller, and when a first agent is concurrently assigned to another voice call session for another caller, execute one or more iterations until (i) the first agent is assigned to one of the voice call session for the caller and the another voice call session for the another caller and (ii) a second agent of another caller-agent combination is assigned to the other of the voice call session for the caller and the another voice call session for the another caller.
H04M 3/523 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur avec répartition ou mise en file d'attente des appels
27.
COMMERCIAL CLAIM PROCESSING PLATFORM USING MACHINE LEARNING TO GENERATE SHARED ECONOMY INSIGHTS
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.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software featuring an artificial intelligence chatbot, large language models, agentic and generative artificial intelligence (AI) software for assessing and enrolling in insurance plans, insurance brokerage services, underwriting of property, life, liability, annuity, casualty, health, accident, dental, critical illness and disability insurance and voluntary benefits, assessing insurance policies, claims, and accident assessments, selecting extended warranties, administration of employee benefit plans, providing information and assessing data, providing and maintaining information related to automobiles, including, maintenance, repair services, automobile, providers, roadside assistance services, emergency road services, general cost estimates for automobile repairs, sales and consultation services for Exclusive Agents and Independent Agents, enhancing computer security services for protecting personal data, identity theft, personal communications, and restricting unauthorized access to websites, monitoring websites and online publications for personal information, managing online accounts, online subscriptions, and personal information, assessing and arranging subscriptions for trade-in programs for smart devices, and alerts related to automobile maintenance and repair services, cost estimates for automobile repairs, scheduling for repairs, and roadside assistance; downloadable computer chatbot software for simulating conversations; Providing an internet website portal for use by insurance agents in the field of assessing the insurance needs of prospective customers; Business consulting services; Motor club services, namely, arranging discounts for members of an automobile club from vendors of hotels and automobile rentals; Data management services in the field of privacy protection; Business data management services, namely, data collection in the field of privacy protection; Business data management services, namely, data collection in the field of motor club services; Providing extended warranties on consumer products, consumer electronic products, and home appliances Business of making, writing, and underwriting of Insurance; Insurance administration services; Providing insurance information; Insurance brokerage services; Insurance claims administration services; Insurance underwriting warranty programs; Insurance underwriting services in the field of property, life, liability, annuity, casualty, health, accident, dental, critical illness and disability insurance, and voluntary benefits; Providing extended warranties; Extended warranty services, namely, vehicle service contracts on vehicles manufactured by others for mechanical breakdown and servicing Software as a service (SaaS) services featuring an artificial intelligence chatbot, large language models, agentic and generative artificial intelligence (AI) software for assessing and enrolling in insurance plans, insurance brokerage services, underwriting of property, life, liability, annuity, casualty, health, accident, dental, critical illness and disability insurance and voluntary benefits, assessing insurance policies, claims, and accident assessments, selecting extended warranties, administration of employee benefit plans, providing information and assessing data, providing and maintaining information related to automobiles, including, maintenance, repair services, automobile, providers, roadside assistance services, emergency road services, and general cost estimates for automobile repairs, sales and consultation services for Exclusive Agents and Independent Agents, enhancing computer security services for protecting personal data, identity theft, personal communications, and restricting unauthorized access to websites, monitoring websites and online publications for personal information, managing online accounts, online subscriptions, and personal information, assessing and arranging subscriptions for trade-in programs for smart devices, and alerts related to automobile maintenance and repair services, cost estimates for automobile repairs, scheduling for repairs, and roadside assistance; providing temporary use of online non-downloadable computer chatbot software for simulating conversations;
29.
Communication schemes for property claims adjustments
Systems and methods provide for an automated system for analyzing damage to insured property. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a mobile device for analysis at the server in real time. Depending on network conditions, the mobile device may transfer images to the server in high definition or low definition. The server may send notifications to the mobile device to remind a user of the mobile device to capture and transfer images to the server. The server may analyze images to provide feedback to the insured user (e.g., insurance estimates).
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.
B60K 35/28 - Dispositions de sortie, c.-à-d. du véhicule à l'utilisateur, associées aux fonctions du véhicule ou spécialement adaptées à celles-ci caractérisées par le type d’informations de sortie, p. ex. divertissement vidéo ou informations sur la dynamique du véhiculeDispositions de sortie, c.-à-d. du véhicule à l'utilisateur, associées aux fonctions du véhicule ou spécialement adaptées à celles-ci caractérisées par la finalité des informations de sortie, p. ex. pour attirer l'attention du conducteur
B60K 35/85 - Dispositions pour le transfert de données relatives au véhicule ou au conducteur
G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
G09B 5/00 - Matériel à but éducatif à commande électrique
G09B 19/16 - Conduite des véhicules ou autres moyens de transport
31.
SYSTEMS AND METHODS OF CONNECTED DRIVING BASED ON DYNAMIC CONTEXTUAL FACTORS
B60W 30/095 - Prévision du trajet ou de la probabilité de collision
B60W 40/04 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conditions ambiantes liés aux conditions de trafic
B60W 40/08 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conducteurs ou aux passagers
G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
G08G 1/0967 - Systèmes impliquant la transmission d'informations pour les grands axes de circulation, p. ex. conditions météorologiques, limites de vitesse
H04M 1/72484 - Interfaces utilisateur spécialement adaptées aux téléphones sans fil ou mobiles où les fonctions sont activées par la réception d’une démarche de communication
H04W 4/40 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p. ex. communication véhicule-piétons
H04W 68/00 - Avertissement aux utilisateurs, p. ex. alerte ou messagerie, sur l'arrivée d'une communication, un changement de service ou similaires
32.
SYSTEM AND METHOD FOR DETECTING USAGE OF A FIRE SUPPRESSION SYSTEM
A fire suppression system comprises a fire suppression member configured to extinguish a fire; a support member configured to removably couple the suppression apparatus to a surface; and a circuit configured to, after determining that the fire suppression member has been removed from the support member, communicate a fire suppression member removal indication to a remote device.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for use in accessing assistance with fraud and identity theft protection services and closing or rehabilitating compromised accounts; downloadable software for providing alerts and notifications regarding potential identity theft, and for providing tips and information concerning identity theft; downloadable software for accessing cloud-based software for use in managing online accounts, online subscriptions, personal information, and for use in monitoring internet websites and online publications for personal information; downloadable software for accessing information obtained from credit report and credit score monitoring, and for providing tips and information concerning cyber threats, identity theft and fraud; downloadable software for sending and receiving electronic messages; downloadable software featuring software platforms for selecting and enrolling in insurance plans; downloadable software for use in electronic storage of data; downloadable software used to assist in tracking, managing, and reporting, credit scores, and account information; Downloadable software used for scanning a user's email to generate a list of the user's online accounts Business consulting services; providing an internet website portal for use by insurance agents in the field of assessing the insurance needs of prospective customers; motor club services, namely, arranging discounts for members of an automobile club from vendors of hotels and automobile rentals; data management services in the field of privacy protection; business data management services featuring data collection in the field of privacy protection; business data management services featuring data collection in the field of motor club services Providing extended warranties on consumer products, consumer electronic products, and home appliances; providing extended warranties on consumer electronic products, appliances, and consumer products, namely, home and garden tools, air purifiers and air conditioning units, home security systems, audio and video equipment and systems, electronic musical instruments and sound systems, video games and electronic games, photography equipment; extended warranty services, namely, vehicle service contracts on vehicles manufactured by others for mechanical breakdown and servicing; providing insurance information; insurance underwriting services in the field of auto protection, excess wear and tear protection, gap, vehicle service contracts, and credit life insurance; underwriting warranty programs in the field of automobile paint and fabric; insurance services, namely, underwriting, issuance and administration of property, health, liability and casualty insurance; insurance administration services; insurance brokerage services; insurance claims administration services; business of writing, and underwriting of Insurance in the fields of property, life, liability, casualty, health, accident, dental, critical illness and disability insurance, voluntary benefits; providing insurance premium rate quotes via online, telephone and mail means; pet health insurance underwriting; pet insurance consultancy Repair services for consumer electronics and electronic appliances; automotive maintenance and repair; emergency roadside assistance services, namely, responding to calls for roadside assistance, flat tire changing, emergency fuel supplying, and battery jump starting; providing emergency roadside repair service of vehicles for motorists Motor club services, namely, emergency automobile towing, providing assistance with planning trips, namely, providing travel information for members; travel club services; emergency vehicle towing Providing temporary use of non-downloadable cloud-based software for use in accessing assistance with fraud and identity theft protection services and closing or rehabilitating compromised accounts; providing temporary use of non-downloadable cloud-based cloud software for providing alerts and notifications regarding potential identity theft, and for providing tips and information concerning identity theft; providing temporary use of non-downloadable cloud-based software for use in managing online accounts, online subscriptions, personal information, selecting and enrolling in insurance plans, and for use in monitoring internet websites and online publications for personal information; providing temporary use of non-downloadable cloud-based software for accessing information obtained from credit report and credit score monitoring, and for providing tips and information concerning cyber threats, identity theft and fraud; providing temporary use of non-downloadable cloud-based software for sending and receiving electronic messages; providing temporary use of non-downloadable cloud-based software platforms for selecting and enrolling in insurance plans; providing temporary use of non-downloadable cloud-based software for use in electronic storage of data; providing temporary use of non-downloadable cloud-based software to assist in tracking, managing, and reporting, credit scores, and account information; providing temporary use of non-downloadable cloud-based software for scanning a user's email to generate a list of the user's online accounts; software as a service (SAAS) services featuring software platforms for selecting and enrolling in insurance plans; providing online, non-downloadable software for use in accessing assistance with fraud and identity theft protection services and closing or rehabilitating compromised accounts; providing online, non-downloadable software for providing alerts and notifications regarding potential identity theft, and for providing tips and information concerning identity theft; providing online, non-downloadable software for use in managing online accounts, online subscriptions, personal information, selecting and enrolling in insurance plans, and for use in monitoring internet websites and online publications for personal information; providing online, non-downloadable software for accessing information obtained from credit report and credit score monitoring, and for providing tips and information concerning cyber threats, identity theft and fraud; providing online, non-downloadable software for sending and receiving electronic messages; providing online, non-downloadable software platforms for selecting and enrolling in insurance plans; providing online, non-downloadable software for use in electronic storage of data; providing online, non-downloadable software to assist in tracking, managing, and reporting, credit scores, and account information; providing online, non-downloadable software for scanning a user's email to generate a list of the user's online accounts
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for use in accessing assistance with fraud and identity theft protection services and closing or rehabilitating compromised accounts; downloadable software for providing alerts and notifications regarding potential identity theft, and for providing tips and information concerning identity theft; downloadable software for accessing cloud-based software for use in managing online accounts, online subscriptions, personal information, and for use in monitoring internet websites and online publications for personal information; downloadable software for accessing information obtained from credit report and credit score monitoring, and for providing tips and information concerning cyber threats, identity theft and fraud; downloadable software for sending and receiving electronic messages; downloadable software featuring software platforms for selecting and enrolling in insurance plans; downloadable software for use in electronic storage of data; downloadable software used to assist in tracking, managing, and reporting, credit scores, and account information; Downloadable software used for scanning a user's email to generate a list of the user's online accounts Business consulting services; providing an internet website portal for use by insurance agents in the field of assessing the insurance needs of prospective customers; motor club services, namely, arranging discounts for members of an automobile club from vendors of hotels and automobile rentals; data management services in the field of privacy protection; business data management services featuring data collection in the field of privacy protection; business data management services featuring data collection in the field of motor club services Providing extended warranties on consumer products, consumer electronic products, and home appliances; providing extended warranties on consumer electronic products, appliances, and consumer products, namely, home and garden tools, air purifiers and air conditioning units, home security systems, audio and video equipment and systems, electronic musical instruments and sound systems, video games and electronic games, photography equipment; extended warranty services, namely, vehicle service contracts on vehicles manufactured by others for mechanical breakdown and servicing; providing insurance information; insurance underwriting services in the field of auto protection, excess wear and tear protection, gap, vehicle service contracts, and credit life insurance; underwriting warranty programs in the field of automobile paint and fabric; insurance services, namely, underwriting, issuance and administration of property, health, liability and casualty insurance; insurance administration services; insurance brokerage services; insurance claims administration services; business of writing, and underwriting of Insurance in the fields of property, life, liability, casualty, health, accident, dental, critical illness and disability insurance, voluntary benefits; providing insurance premium rate quotes via online, telephone and mail means; pet health insurance underwriting; pet insurance consultancy Repair services for consumer electronics and electronic appliances; automotive maintenance and repair; emergency roadside assistance services, namely, responding to calls for roadside assistance, flat tire changing, emergency fuel supplying, and battery jump starting; providing emergency roadside repair service of vehicles for motorists Motor club services, namely, emergency automobile towing, providing assistance with planning trips, namely, providing travel information for members; travel club services; emergency vehicle towing Providing temporary use of non-downloadable cloud-based software for use in accessing assistance with fraud and identity theft protection services and closing or rehabilitating compromised accounts; providing temporary use of non-downloadable cloud-based cloud software for providing alerts and notifications regarding potential identity theft, and for providing tips and information concerning identity theft; providing temporary use of non-downloadable cloud-based software for use in managing online accounts, online subscriptions, personal information, selecting and enrolling in insurance plans, and for use in monitoring internet websites and online publications for personal information; providing temporary use of non-downloadable cloud-based software for accessing information obtained from credit report and credit score monitoring, and for providing tips and information concerning cyber threats, identity theft and fraud; providing temporary use of non-downloadable cloud-based software for sending and receiving electronic messages; providing temporary use of non-downloadable cloud-based software platforms for selecting and enrolling in insurance plans; providing temporary use of non-downloadable cloud-based software for use in electronic storage of data; providing temporary use of non-downloadable cloud-based software to assist in tracking, managing, and reporting, credit scores, and account information; providing temporary use of non-downloadable cloud-based software for scanning a user's email to generate a list of the user's online accounts; software as a service (SAAS) services featuring software platforms for selecting and enrolling in insurance plans; providing online, non-downloadable software for use in accessing assistance with fraud and identity theft protection services and closing or rehabilitating compromised accounts; providing online, non-downloadable software for providing alerts and notifications regarding potential identity theft, and for providing tips and information concerning identity theft; providing online, non-downloadable software for use in managing online accounts, online subscriptions, personal information, selecting and enrolling in insurance plans, and for use in monitoring internet websites and online publications for personal information; providing online, non-downloadable software for accessing information obtained from credit report and credit score monitoring, and for providing tips and information concerning cyber threats, identity theft and fraud; providing online, non-downloadable software for sending and receiving electronic messages; providing online, non-downloadable software platforms for selecting and enrolling in insurance plans; providing online, non-downloadable software for use in electronic storage of data; providing online, non-downloadable software to assist in tracking, managing, and reporting, credit scores, and account information; providing online, non-downloadable software for scanning a user's email to generate a list of the user's online accounts
A computing system comprises one or more processors and one or more storage devices that comprise instruction code. The instruction code is executable by the processors to cause the computing system to receive battery characteristic information associated with a battery of a vehicle, receive vehicle usage information associated with the vehicle, and receive vehicle environmental information. The vehicle usage information relates one or more of a speed and acceleration experienced by the vehicle with one or more vehicle operating periods. The vehicle environmental information relates one or more environmental conditions to which the vehicle was exposed with one or more periods. The computing system subsequently determines, via trained machine-learning logic and based on the battery characteristic information, the vehicle usage information, and the vehicle environmental information a battery health associated with the battery that is indicative of a current charge capacity of the battery relative to an original/rated charge capacity of the battery. The computing system communicates an indication of the battery health prediction.
G01R 31/367 - Logiciels à cet effet, p. ex. pour le test des batteries en utilisant une modélisation ou des tables de correspondance
B60L 58/12 - Procédés ou agencements de circuits pour surveiller ou commander des batteries ou des piles à combustible, spécialement adaptés pour des véhicules électriques pour la surveillance et la commande des batteries en fonction de l'état de charge [SoC]
B60L 58/16 - Procédés ou agencements de circuits pour surveiller ou commander des batteries ou des piles à combustible, spécialement adaptés pour des véhicules électriques pour la surveillance et la commande des batteries en fonction du vieillissement de la batterie, p. ex. du nombre de cycles de charge ou de l'état de santé [SoH]
G01R 31/396 - Acquisition ou traitement de données pour le test ou la surveillance d’éléments particuliers ou de groupes particuliers d’éléments dans une batterie
36.
Central Repository System with Customizable Subset Schema Design and Simplification Layer
Methods and systems disclosed herein describe generating products using data objects and/or entities that comply with a canonical/governed model(s). The data objects and/or entities may be obtained from an enterprise model or a combination of an enterprise model and one or more local models within a central repository to generate the new product data structures. Once all the data objects and/or entities have been added to the new product, one or more simplification rules may be applied to the new product to flatten (optimize for consumption) the data structure of the product such that superfluous or extraneous code snippets may be removed, or reduced, in such a way that the product complies with the canonical model. The new product may then be exported to an executable data format, which can either be incorporated in another application or used as a standalone product.
A driving accident simulation may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for providing information and assessing data for motor club services, namely, emergency automobile towing and travel information for members; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in providing and maintaining information related to automobile maintenance, repair services, automobile, providers, roadside assistance services, emergency road services, and general cost estimates for automobile repairs; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with sales and consultation services for Exclusive Agents and Independent Agents; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with the administration of employee benefit plans concerning insurance and financial aspects of retirement; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in enhancing computer security services for protecting personal data, identity theft, personal communications, and restricting unauthorized access to websites; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in monitoring websites and online publications for personal information; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in managing online accounts, online subscriptions, and personal information; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in insurance brokerage services; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for electronic products namely, mobile phones, computers, GPS navigation devices, televisions, and tablets; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for home appliances, namely, air conditioning units, dishwashers, refrigerators, and washing machines; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for consumer products, namely, home and garden tools, air purifiers, air conditioners, home security systems, audio and video equipment and systems, electronic musical instruments and sound systems, video games, and electronic games; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in assessing insurance policies, claims, and accident assessments; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for assessing and enrolling in insurance plans; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in assessing and arranging subscriptions for trade-in programs for smart devices; Downloadable computer software featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with alerts related to automobile maintenance and repair services, cost estimates for automobile repairs, scheduling for repairs, and roadside assistance Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in providing information and assessing data for motor club services, namely, emergency automobile towing and travel information for members; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in providing and maintaining information related to automobile maintenance, repair services, automobile, providers, roadside assistance services, emergency road services, and general cost estimates for automobile repairs; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with sales and consultation services for Exclusive Agents and Independent Agents; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with the administration of employee benefit plans concerning insurance and financial aspects of retirement; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in enhancing computer security services for protecting personal data, identity theft, personal communications, and restricting unauthorized access to websites; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in monitoring websites and online publications for personal information; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in managing online accounts, online subscriptions, and personal information; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in insurance brokerage services; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for electronic products namely, mobile phones, computers, GPS navigation devices, televisions, and tablets; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for home appliances, namely, air conditioning units, dishwashers, refrigerators, and washing machines; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in selecting extended warranties for consumer products, namely, home and garden tools, air purifiers, air conditioners, home security systems, audio and video equipment and systems, electronic musical instruments and sound systems, video games, and electronic games; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use in assessing insurance policies, claims, and accident assessments; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for assessing and enrolling in insurance plans; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for assessing and arranging subscriptions for trade-in programs for smart devices; Software as a service (SaaS) services featuring an artificial intelligence chat bot, large language models, agentic and generative artificial intelligence (AI) software for use with alerts related to automobile maintenance and repair services, cost estimates for automobile repairs, scheduling for repairs, and roadside assistance
39.
SYSTEM AND METHOD FOR SIMULATING TRAFFIC USING AGENT-BASED MODELING
Implementations claimed and described herein provide systems and methods for simulating traffic using synthetic data based on agent-based modeling that simulates real drivers in a particular geographic area and time frame. In one implementation, inputting, in a machine-learning model of a simulation system, real-world agent-based position data associated with a custom selection of a geographic area and a time frame. The machine-learning model of the simulation system outputs metrics associated with synthetic agent-based position data over time within a map for the simulated environment and the variation of the simulated environment, wherein the metrics represents synthetic movement behavior of agents associated with synthetic individuals based on real movement behavior associated with the geographic area and the time frame.
G06F 30/27 - Optimisation, vérification ou simulation de l’objet conçu utilisant l’apprentissage automatique, p. ex. l’intelligence artificielle, les réseaux neuronaux, les machines à support de vecteur [MSV] ou l’apprentissage d’un modèle
G01C 21/00 - NavigationInstruments de navigation non prévus dans les groupes
40.
CONSUMER ENGAGEMENT AND MANAGEMENT PLATFORM USING MACHINE LEARNING FOR INTENT DRIVEN ORCHESTRATION
Aspects of the disclosure relate to computing platforms that utilize machine learning to perform output generation based on intent identification. The computing platform may train intent orchestration models (e.g., intent identification, output generation, or communication channel) using historical data. The computing platform may data corresponding to an individual. Based on the data, the computing platform may select intent identification models, and may use them to identify an intent. Based on the intent of the individual, the computing platform may select engagement output generation models, and may use them to generate a customer engagement output. The computing platform may use a communication channel model to identify a communication channel. The computing platform may send commands directing display of the customer engagement output, which may cause a user device to display the customer engagement output using the communication channel.
Systems and methods in accordance with embodiments of the invention can proactively determine if a vehicle has stopped during a trip and calculate a likelihood that the vehicle is in need of roadside assistance. Information can be collected from a variety of devices, such as mobile phones, including the vehicle's location, the type of road, passing vehicles, and/or ambient noise. The likelihood of needing roadside assistance can be determined based on a configurable probability that the vehicle is experiencing a roadside event. The arrangements described herein provide for receiving and processing data in real-time to efficiently and accurately detect stopped vehicles, determine whether the vehicle is stopped for an urgent or non-urgent situation reason, and provide assistance accordingly.
G07C 5/02 - Enregistrement ou indication du temps de circulation, de fonctionnement, d'arrêt ou d'attente uniquement
G01C 21/28 - NavigationInstruments de navigation non prévus dans les groupes spécialement adaptés pour la navigation dans un réseau routier avec corrélation de données de plusieurs instruments de navigation
G01S 19/25 - Acquisition ou poursuite des signaux émis par le système faisant intervenir des données d'assistance reçues en provenance d'un élément coopérant, p. ex. un GPS assisté
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex. pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande
G08G 1/052 - Détection du mouvement du trafic pour le comptage ou la commande avec des dispositions pour déterminer la vitesse ou l'excès de vitesse
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
Produits et services
(1) Downloadable software for providing information relating to roadside assistance services and for contacting roadside assistance services. (1) Motor club services, namely, membership club services in the nature of arranging discounts for members of an automobile club from vendors of hotels and automobile rentals.
(2) Insurance services; Motor club services, namely, automotive club services, namely, providing reimbursement for legal fees related to traffic offenses.
(3) Motor club services, namely, emergency roadside services, namely emergency roadside vehicle repair services; emergency roadside assistance services, namely, responding to calls for roadside assistance, flat tire changing, emergency fuel supplying, and battery jump starting.
(4) Motor club services, namely, emergency automobile towing, emergency roadside assistance services, namely, towing, winch-out and key delivery services.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
Produits et services
(1) Downloadable software for providing information relating to roadside assistance services and for contacting roadside assistance services. (1) Motor club services, namely, membership club services in the nature of arranging discounts for members of an automobile club from vendors of hotels and automobile rentals.
(2) Insurance services; Motor club services, namely, automotive club services, namely, providing reimbursement for legal fees related to traffic offenses.
(3) Motor club services, namely, emergency roadside services, namely emergency roadside vehicle repair services; emergency roadside assistance services, namely, responding to calls for roadside assistance, flat tire changing, emergency fuel supplying, and battery jump starting.
(4) Motor club services, namely, emergency automobile towing, emergency roadside assistance services, namely, towing, winch-out and key delivery services.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
Produits et services
(1) Downloadable software for providing information relating to roadside assistance services and for contacting roadside assistance services. (1) Motor club services, namely, membership club services in the nature of arranging discounts for members of an automobile club from vendors of hotels and automobile rentals.
(2) Insurance services; Motor club services, namely, automotive club services, namely, providing reimbursement for legal fees related to traffic offenses.
(3) Motor club services, namely, emergency roadside services, namely emergency roadside vehicle repair services; emergency roadside assistance services, namely, responding to calls for roadside assistance, flat tire changing, emergency fuel supplying, and battery jump starting.
(4) Motor club services, namely, emergency automobile towing, emergency roadside assistance services, namely, towing, winch-out and key delivery services.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
Produits et services
(1) Downloadable software for providing information relating to roadside assistance services and for contacting roadside assistance services. (1) Motor club services, namely, membership club services in the nature of arranging discounts for members of an automobile club from vendors of hotels and automobile rentals.
(2) Insurance services; Motor club services, namely, automotive club services, namely, providing reimbursement for legal fees related to traffic offenses.
(3) Motor club services, namely, emergency roadside services, namely emergency roadside vehicle repair services; emergency roadside assistance services, namely, responding to calls for roadside assistance, flat tire changing, emergency fuel supplying, and battery jump starting.
(4) Motor club services, namely, emergency automobile towing, emergency roadside assistance services, namely, towing, winch-out and key delivery services.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
Produits et services
(1) Downloadable software for providing information relating to roadside assistance services and for contacting roadside assistance services. (1) Motor club services, namely, membership club services in the nature of arranging discounts for members of an automobile club from vendors of hotels and automobile rentals.
(2) Insurance services; Motor club services, namely, automotive club services, namely, providing reimbursement for legal fees related to traffic offenses.
(3) Motor club services, namely, emergency roadside services, namely emergency roadside vehicle repair services; emergency roadside assistance services, namely, responding to calls for roadside assistance, flat tire changing, emergency fuel supplying, and battery jump starting.
(4) Motor club services, namely, emergency automobile towing, emergency roadside assistance services, namely, towing, winch-out and key delivery services.
47.
System and Method for Providing Vehicle Services Based on Driving Behaviors
Systems and methods are provided for encouraging and rewarding safe driving. A safe driving evaluation system determines the safe driving behaviors necessary to earn safe driving points. The safe driving evaluation system receives vehicle telematics data from a telematics device configured to obtain vehicle telematics data during the operation of a vehicle, and determines safe driving points based on the safe driving behaviors exhibited by the vehicle telematics data. Safe driving rewards are provided where the total number of safe driving points earned by a driver exceeds predefined thresholds. The safe driving rewards may be redeemed for discounts on products or vehicle services, or for fixed prices on gas. In addition, the safe driving points may be transferred to another individual for redemption.
A driving analysis server may be configured to receive vehicle location data and/or operation data from one or more vehicle systems, identify driving trips and/or driving patterns based on the vehicle data, determine risk assessment values corresponding to the driving trips and driving patterns, and calculate driver scores based on the analyzed driving trip and driving pattern data. Destination locations may be identified for a vehicle's driving trips, and information relating to the destination locations may be retrieved and analyzed to determine risk factors and risk assessment values associated with driving to and from the destination, as well as parking at the destination. Specific driving trip types or purposes may be identified, and driving scores may be calculated based on the vehicle location and time data, including the risk factors, risk assessment values, and the determined trip types or purposes.
G07C 5/02 - Enregistrement ou indication du temps de circulation, de fonctionnement, d'arrêt ou d'attente uniquement
G01S 19/01 - Systèmes de positionnement par satellite à radiophares émettant des messages horodatés, p. ex. GPS [Système de positionnement global], GLONASS [Système global de navigation par satellite] ou GALILEO
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.
Systems and methods for notifying a user of a vehicle include at least one processor and a vehicle tire sensor of a vehicle associated with at least one tire. The vehicle tire sensor generates at least one vehicle tire metric associated with the at least one tire of the vehicle. Machine readable instructions stored in a memory cause the vehicle notification system to perform at least the following when executed by the processor: receive the at least one vehicle tire metric from the vehicle tire sensor associated with the at least one tire of the vehicle, receive a weather tire type of the at least one tire of the vehicle, generate, based on the on the at least one vehicle tire metric and the weather tire type, at least one determined metric, and generate an alert for a user of the vehicle of the at least one determined metric.
Systems and methods include generating a notification using audio, visual, tactile and/or other notification features via a vehicle notification system to a driver of a vehicle based on vehicle sensor data and/or external vehicle data regarding driver interest items such as road conditions, road hazards, nearby points of interest augmented image displays, pre-approved evacuation expenses, new driver quotes based on predicted new driver scores, insurance quotes based on bank account data, preapproved insurance related medical expenses, and the like.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents Insurance services, namely underwriting automobile and home insurance policies Software as a service (SaaS) services featuring software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing temporary use of non-downloadable cloud hosted computer software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing online, non-downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents
53.
Intelligent systems and methods for monitoring a machine learning model
Systems and methods for intelligent machine learning model monitoring may include executing statistical test(s) for metric(s) to determine whether at least one of data used or an output in each machine learning model is statistically similar to expectations based on at least one of training data or test data for each model; when a first test failure of a tested model of a plurality of machine learning models occurs based on the statistical test(s) for the metric(s) exceeding a first test threshold, automatically executing an additional test based on the first test failure and additional historical data; and automatically generating an alert of test failure for the tested model based on the additional test exceeding an additional test threshold as a second test failure. The second test failure is representative of verification of the first test failure.
Intelligent prediction systems and methods of use to analyze one or more uploaded images to generate one or more processed images via a data analytics module, determine by a neural network model a point of view and angle of view determination for each processed image, retrieve a claim identifier and associated total loss score, and generate an automated predicted total loss determination based on the total loss score and the one or more processed images from the data analytics module.
A computer readable storage medium includes executable instructions to receive from a mobile device a request regarding a stranded vehicle. The request is processed to determine the location of the stranded vehicle. Additional information regarding the stranded vehicle may be retrieved. The location of the stranded vehicle and the additional information may be communicated as a dispatch request. The location of the stranded vehicle relative to a dispatched vehicle is delivered to the mobile device.
G06F 17/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des fonctions spécifiques
G01C 21/26 - NavigationInstruments de navigation non prévus dans les groupes spécialement adaptés pour la navigation dans un réseau routier
G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
G08G 1/123 - Systèmes de commande du trafic pour véhicules routiers indiquant la position de véhicules, p. ex. de véhicules à horaire déterminé
G08G 1/137 - Systèmes de commande du trafic pour véhicules routiers indiquant la position de véhicules, p. ex. de véhicules à horaire déterminé à l'intérieur du véhicule l'indicateur étant sous la forme d'une carte
H04L 67/12 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p. ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance
H04L 67/52 - Services réseau spécialement adaptés à l'emplacement du terminal utilisateur
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents Insurance services, namely underwriting automobile and home insurance policies Software as a service (SaaS) services featuring software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing temporary use of non-downloadable cloud hosted computer software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing online, non-downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents Insurance services, namely underwriting automobile and home insurance policies Software as a service (SaaS) services featuring software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing temporary use of non-downloadable cloud hosted computer software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing online, non-downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents Insurance services, namely underwriting automobile and home insurance policies Software as a service (SaaS) services featuring software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing temporary use of non-downloadable cloud hosted computer software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing online, non-downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents
59.
SYSTEMS AND METHODS FOR INSURANCE RATING BASED ON TELEMATICS
Systems and methods for intelligent adjustable price-per-metric rate determination include receiving telematics data comprising one or more telematics factors associated with one or more vehicles; based on the telematics data, determining a price-per-metric rate of insurance for a user of a user vehicle of the one or more vehicles; and assigning the price-per-metric rate of insurance to the user for the user vehicle.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents Insurance services, namely underwriting automobile and home insurance policies Software as a service (SaaS) services featuring software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing temporary use of non-downloadable cloud hosted computer software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing online, non-downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents Insurance services, namely underwriting automobile and home insurance policies Software as a service (SaaS) services featuring software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing temporary use of non-downloadable cloud hosted computer software platforms for selecting and enrolling in insurance plans, accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents; providing online, non-downloadable computer application software for mobile devices, namely, software for accessing insurance policy information, making payments, making claims, selecting insurance claim payment options, selecting insurance deductible payment options, and accessing information about accidents
62.
CRYPTOGRAPHICALLY PROTECTING DATA TRANSFERRED BETWEEN SPATIALLY DISTRIBUTED COMPUTING DEVICES USING AN INTERMEDIARY DATABASE
Aspects of the disclosure relate to a system and method for cryptographically protecting data transferred between spatially distributed computing devices. An intermediary database may be used to facilitate the protected data transfer and/or record the data transfers. A first computing device may transfer, to the intermediary database, encrypted data that may be securely transferred to other computing devices. A second computing device may generate a GUI used to view data available from the intermediary database. Once data is selected by the second device, the second device may transfer a key (or other encryption mechanism) to the first device. The first computing device may encrypt the data using the received key and transmit the encrypted data to the intermediary database. The intermediary database may transmit the encrypted data to the second computing device, and the second computing device may decrypt and use the data.
Intelligent prediction systems and methods of use to analyze one or more uploaded and labeled images to generate one or more processed images via a data analytics module, determine an identified property type from the processed images, generate a match between the identified property type and a reported property type associated with a claim identifier and a total loss score, and generate an automated predicted total loss determination based on the total loss score, the one or more processed images from the data analytics module, and the match.
Systems and methods provide for configuring and transferring multiple data files including image data files using a mobile device. A mobile device may acquire multiple data files including image files from disparate sources and transmit them to an enhanced image processing server. The enhanced image processing server may analyze the received image files using various techniques. To aid in analysis, the server may also interface with various internal and external databases storing reference images or other reference data of previously analyzed similar data. Further still, the enhanced image processing server may transmit a result of the analysis back to a mobile device.
Implementations claimed and described herein provide systems and methods for generating an user interface in response to a request associated with a product or service. The systems and methods use one or more machine learning models to generate the user interface. The user interface is transmitted to a user device for display.
G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
67.
SYSTEMS, METHODS, AND DEVICES FOR VEHICLE OCCUPANT DETECTION
Implementations described herein provide systems, methods, and devices for vehicle occupant detection based on wireless transmission(s) from one or more wireless transmitter devices (e.g., beacons) located in the vehicle. The wireless transmitter devices can be standalone devices, such as portable low energy beacons, and/or the wireless transmitter devices can be integrated into other components of the vehicle, such as an on-board dash computer or a door handle. The systems disclosed herein receive the wireless transmission and determine transmission metrics associated with the transmission, such as a signal strength value or a transmission angle. A driver status determination and/or a passenger status determination is based on the transmission metrics. A data file converter generates a driver status data file representing the driver status determination and/or the passenger status determination. The driver status data file is sent to an application for which the driver status data file is configured.
B60W 40/08 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conducteurs ou aux passagers
68.
SYSTEMS AND METHODS FOR GENERATING QUOTES FOR CIRCLE OF PROTECTION INSURANCE PLANS
Systems and methods for automatically generating quotes for a circle of protection insurance plan include identifying a type of device of network-connected device connected to a central connection hub based on information from a global device repository communicatively coupled to the central connection hub, determining, using a machine learning-based determination module and one or more connectivity rules, whether the network-connected device is eligible for the circle of protection insurance plan and generating, using an underwriting module and based on a determination that the network-connected device is eligible for the circle of protection insurance plan, a quote to update the circle of protection plan to include the network-connected device.
Systems, methods, and computer-readable media, are disclosed in which a variety of data describing the condition of an object can be obtained and probabilistic likelihoods of causes and/or value of damages to the object can be calculated. In a variety of embodiments, data obtained from third-party systems can be utilized in these calculations. Any of a number of machine classifiers can be utilized to generate the probabilistic likelihoods and confidence metrics in the calculated liabilities. A variety of user interfaces for efficiently obtaining and visualizing the object, the surrounding geographic conditions, and/or the probabilistic likelihoods can further be utilized as appropriate. User interfaces can include a scene sketch tool application program interface and/or a liability tool user interface and various data sources can be used to dynamically generate diagrams of object damage and/or the environment in which the object was damaged.
G06F 16/587 - Recherche caractérisée par l’utilisation de métadonnées, p. ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des informations géographiques ou spatiales, p. ex. la localisation
G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
70.
SYSTEMS AND METHODS FOR AUTOMATED APPLICATION DEPLOYMENT
Systems and methods in accordance with embodiments of the present disclosure can analyze a variety of software applications, modify the software applications, and/or automatically deploy the software applications to a distributed computing system. Distributed computing systems can provide software applications in a scalable, low cost manner that can be dynamically scaled to demand. Software deployment systems in accordance with embodiments of the present disclosure can automatically process software applications to determine the suitability of the software application to be deployed to a distributed computing system and/or modify the software application for deployment. A variety of machine classifiers can be used to score various aspects of a software application to identify portions of the application for modification and/or suitability for deployment.
H04L 67/00 - Dispositions ou protocoles de réseau pour la prise en charge de services ou d'applications réseau
H04L 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p. ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
Produits et services
Arranging subscriptions for trade-in and upgrade programs
for smart devices; online retail store services featuring
smart devices; online auction services featuring bidding and
purchasing of smart devices. Providing extended warranties on consumer electronic
products, appliances, and consumer products, namely, home
and garden tools, air purifiers and air conditioning units,
home security systems, audio and video equipment and
systems, electronic musical instruments and sound systems,
video games and electronic games, photography equipment,
mobile phones, computers, GPS navigation devices,
televisions, tablet computers, electronic readers, mp3
players, headphones, watches, fitness trackers, dishwashers,
refrigerators, washing machines for clothes, and clothes
dryers; insurance underwriting. Maintenance and repair of cell phone related hardware.
72.
Vehicle Telematics System to Promote Good Driving Behavior Using Positive Feedback and Award Points
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.
Systems and apparatuses for generating surface dimension outputs are provided. The system may collect an image from a mobile device. The system may analyze the image to determine whether they comprise one or more standardized reference objects. Based on analysis of the image and the one or more standardized reference objects, the system may determine a surface dimension output. The system may determine one or more settlement outputs and one or more repair outputs for the driver based on the surface dimension output.
As described herein, a base model based on imbalanced data may be selected for a machine learning process associated with a specific application. A first false positive error rate may be generated based on the selected base model. A plurality of imbalanced data sets may be generated based on the imbalanced data associated with the base model. A plurality of models may be generated based on the generated plurality of imbalanced data sets. A subset of the outputs of the plurality of models may be ensembled and a second false positive error rate may be generated based on the ensembled output of the subset of the plurality of models. The second false positive error rate may be determined to be less than the first false positive error rate.
Systems and methods are disclosed for determining the efficacy of an autonomous vehicle driving system in exhibiting safe driving behavior during test track scenarios. Testing parameters eliciting autonomous vehicle driving system behavior may be chosen for the test track scenario. The autonomous vehicle driving system may be tested in the test track and autonomous vehicle driving system behavior may be observed in response to the presentations of testing parameters. A safe driving score may be calculated for the autonomous vehicle driving system based on measured autonomous vehicle performance and operational data generated responsive to the presentation of testing parameters in the test track. A benchmark insurance premium may be calculated for an autonomous vehicle driving system based on the calculated safe driving score.
B60R 16/023 - Circuits électriques ou circuits de fluides spécialement adaptés aux véhicules et non prévus ailleursAgencement des éléments des circuits électriques ou des circuits de fluides spécialement adapté aux véhicules et non prévu ailleurs électriques pour la transmission de signaux entre des parties ou des sous-systèmes du véhicule
G05D 1/00 - Commande de la position, du cap, de l'altitude ou de l'attitude des véhicules terrestres, aquatiques, aériens ou spatiaux, p. ex. utilisant des pilotes automatiques
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are provided. The data may be used to determine whether the home device is operating within an expected range or, if it is outside of an expected range or threshold, whether a home event has occurred. Upon occurrence of the home event, an insurance claim to cover any damage caused by the home event may be initiated and/or processed. In some examples, repair of any damage may also be coordinated by the system. In some arrangements, the initiation and/or processing of the claim, and/or coordination of the repair may be performed without any additional input from the user associated with the policy, home device, etc. or with limited additional input from the user.
Methods, computer-readable media, software, and apparatuses may determine that an expected vehicle demand will exceed an expected supply in a vehicle sharing application. In order to meet the demand, one or more users may be contacted with a request to provide a vehicle for sharing on a particular date. A machine learning algorithm may be used in determining that the expected vehicle demand will exceed the expected vehicle supply.
A method may include inputting, in a machine-learning collision prediction model, a set of one or more kinematic variables associated with a trigger event, which may be based on movement of a mobile device and may be recorded over a duration of time. The machine-learning collision prediction model may include a convolutional neural network (CNN) model layer, a long short-term memory (LSTM) model layer, and a prediction model layer. The CNN model may extract features for time segments of the duration of time, and the respective features associated with respective time segments are fed into the LSTM model layer. The machine-learning collision prediction model may generate a prediction score based on the set of one or more kinematic variables and associated with the event. The prediction score may determine a prediction that the event is a type of impact and outputting the prediction. The outputted prediction may be time-oriented.
Implementations claimed and described herein provide systems and methods for map routing matching system, wherein the one or more machine-learning models scores link candidates of location data points to determine a most probable route. In one implementation, use a machine-learning model to calculate a probability score for a plurality of link candidates. The machine-learning model scores each link candidates based on weighting set by training data, wherein the weighting associated with at least one of travel time, match distance, heading difference, speed conformity, road curvature, road classification, or travel distance versus time delay. A plurality of total probability scores derived from one or more combinations of probability scores for respective link candidates is calculated, wherein one link candidate is selected for each location data point.
Implementations include an integrated ratemaking platform utilizing a common rating core that combines the functionality of an analytics rating engine and the production rating engine. Through the platform, one or more rating plans may be generated from rating plan configurations provided to the system, analyzed for performance, and utilized in response to a rating call received at the platform. The platform may include ratemaking analytics components to analyze and evaluate rating plans based on one or more business rules and production rating components to implement the evaluated rating plans. The various components may use a common data schema for sharing data. Certified rating plans may be promoted and published to the production rating components for use in generating the rate quotes from the certified rating plans.
One or more driving analysis computing devices in a driving analysis system may be configured to analyze driving data, determine driving behaviors, and calculate driver scores based on driving data transmitted using vehicle-to-vehicle (V2V) communications. 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. Driver scores may be calculated or adjusted based on the determined driving behaviors of vehicle drivers, and also may be calculated or adjusted based on other the driver scores of nearby vehicles.
G08G 1/00 - Systèmes de commande du trafic pour véhicules routiers
G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande
G08G 1/0967 - Systèmes impliquant la transmission d'informations pour les grands axes de circulation, p. ex. conditions météorologiques, limites de vitesse
G09B 19/16 - Conduite des véhicules ou autres moyens de transport
A method may include inputting, in a machine-learning collision prediction model, a set of one or more kinematic variables associated with a trigger event, which may be based on movement of a mobile device and may be recorded over a duration of time. The machine-learning collision prediction model may include a convolutional neural network (CNN) model layer, a long short-term memory (LSTM) model layer, and a prediction model layer. The CNN model may extract features for time segments of the duration of time, and the respective features associated with respective time segments are fed into the LSTM model layer. The machine-learning collision prediction model may generate a prediction score based on the set of one or more kinematic variables and associated with the event. The prediction score may determine a prediction that the event is a type of impact and outputting the prediction. The outputted prediction may be time-oriented.
G06N 3/0442 - Réseaux récurrents, p. ex. réseaux de Hopfield caractérisés par la présence de mémoire ou de portes, p. ex. mémoire longue à court terme [LSTM] ou unités récurrentes à porte [GRU]
Implementations claimed and described herein provide systems and methods for map routing matching system, wherein the one or more machine-learning models scores link candidates of location data points to determine a most probable route. In one implementation, use a machine-learning model to calculate a probability score for a plurality of link candidates. The machine-learning model scores each link candidates based on weighting set by training data, wherein the weighting associated with at least one of travel time, match distance, heading difference, speed conformity, road curvature, road classification, or travel distance versus time delay. A plurality of total probability scores derived from one or more combinations of probability scores for respective link candidates is calculated, wherein one link candidate is selected for each location data point.
Aspects of the present disclosure generally relate to systems and methods for implementing a state engine, and more specifically, to implementing a state engine for managing rescue operations. An example apparatus generally includes: an interface of a state engine receiving an input indicating a transition to a target state of the state engine, the target state being a state associated with a vehicle rescue operation; a verification component coupled to the interface, the verification component identifying whether the transition to the target state is valid based on one or more constraints associated with the state engine; and a transition component coupled to the verification component, the transition component performing the transition to the target state based on the identification of whether the transition to the target state is valid.
Systems and apparatuses for generating object dimension outputs and predicted object outputs are provided. The system may collect an image from a mobile device. The system may analyze the image to determine whether it contains one or more standardized reference objects. Based on analysis of the image and the one or more standardized reference objects, the system may determine an object dimension output. The system may also determine a predicted object output that includes additional objects predicted to be in a room corresponding to the image. Using object dimension outputs and the predicted object output, the system may determine an estimated repair cost.
Methods, computer-readable media, software, and apparatuses include receiving sensor data from a sensor system associated with a vehicle during operation of the vehicle over a plurality of modes of operation, computing, based on the sensor data, a vehicle fingerprint comprising one or more vehicle characteristics over the plurality of modes of operation, monitoring additional received sensor data from the sensor system during further operation of the vehicle, determining whether an anomaly exists based on comparing the additional received sensor data to the vehicle fingerprint, and based upon determining that an anomaly exists, providing an alert to a communication interface associated with the vehicle.
B60R 25/25 - Moyens pour enclencher ou arrêter le système antivol par biométrie
B60R 25/102 - Équipements ou systèmes pour empêcher ou signaler l’usage non autorisé ou le vol de véhicules actionnant un dispositif d’alarme un signal étant envoyé vers un lieu distant, p. ex. signal radio transmis à un poste de police, à une entreprise de sécurité ou au propriétaire du véhicule
B60R 25/24 - Moyens pour enclencher ou arrêter le système antivol par des éléments d’identification électroniques comportant un code non mémorisé par l’utilisateur
B60R 25/32 - Détection relative au vol ou autres événements relatifs aux systèmes antivol de paramètres dynamiques du véhicule, p. ex. de la vitesse ou de l’accélération
B60R 25/33 - Détection relative au vol ou autres événements relatifs aux systèmes antivol de la géo-localisation, p. ex. en fournissant les coordonnées de géo-localisation (GPS)
Location analysis computing devices, methods, and computer-readable media are disclosed herein for determining the position of a mobile device (smartphone, tablet computer) within an interior of a vehicle. The position of the mobile device may be calculated by detecting changes in accelerometer data. The accelerometer data may first need to be translated to determine corresponding axes, since the device may not be right side up (e.g., in a pocket). The vehicle may travel over road discontinuities such as bumps, and calculating the position of the mobile device may be based on the different magnitude and angle resulting from a first tire and a second tire hitting the bump. Data from vehicle sensors or other mobile device sensors may also be used in the calculating. Once the position is determined, commands may be sent to the mobile device to deactivate certain functionality, or to a remote server for further processing.
H04W 4/02 - Services utilisant des informations de localisation
G01C 21/10 - NavigationInstruments de navigation non prévus dans les groupes en utilisant des mesures de la vitesse ou de l'accélération
G01S 19/05 - Éléments coopérantsInteraction ou communication entre les différents éléments coopérants ou entre les éléments coopérants et les récepteurs fournissant des données d'assistance
G01S 19/14 - Récepteurs spécialement adaptés pour des applications spécifiques
H04W 4/40 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p. ex. communication véhicule-piétons
H04W 4/48 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p. ex. communication véhicule-piétons pour la communication dans le véhicule
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.
An intelligent prediction system includes one or more processors, one or more memory components, and machine-readable instructions that cause the intelligent prediction system to: receive text data comprising a plurality of speaker turn segments of a transcription of a conversation, each speaker turn segment of the plurality of speaker turn segments representative of a turn in the conversation, the plurality of speaker turn segments collectively representative of the conversation up to a point of time, generate a point in time bind probability based on a speaker turn segment bind probability of a speaker turn segment at the point in time and memory data associated with the plurality of segments up to the point in time, and generate a speaker turn segment impact score at the point in time by subtracting an immediately preceding point in time bind probability from the point in time bind probability.
G06Q 10/0639 - Analyse des performances des employésAnalyse des performances des opérations d’une entreprise ou d’une organisation
G06F 17/18 - Opérations mathématiques complexes pour l'évaluation de données statistiques
G06Q 30/0202 - Prédictions ou prévisions du marché pour les activités commerciales
G10L 15/06 - Création de gabarits de référenceEntraînement des systèmes de reconnaissance de la parole, p. ex. adaptation aux caractéristiques de la voix du locuteur
G10L 15/16 - Classement ou recherche de la parole utilisant des réseaux neuronaux artificiels
G10L 15/26 - Systèmes de synthèse de texte à partir de la parole
A driving analysis server may be configured to receive vehicle operation data from vehicle sensors and telematics devices of a first vehicle, and may use the data to identify a potentially high-risk or unsafe driving behavior by the first vehicle. The driving analysis server also may retrieve corresponding vehicle operation data from one or more other vehicles, and may compare the potentially high-risk or unsafe driving behavior of the first vehicle to corresponding driving behaviors in the other vehicles. A driver score for the first vehicle may be calculated or adjusted based on the comparison of the driving behavior in the first vehicle to the corresponding driving behaviors in the other vehicles.
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande
A system includes one or more privacy vaults. At least one of the one or more privacy vaults is associated with at least one individual user, stores contents associated with the associated at least one individual user, and stores specific identification of a plurality of third-party entities, authorized to access at least a portion of the contents stored by the one or more privacy vaults, along with access permissions, one or more of the access permissions defined for each of the plurality of third-party entities. At least one of the access permissions defines accessibility of the contents for at least one of the plurality of third-party entities for which the at least one access permission is defined.
Aspects of the present disclosure relate to using vehicle telematics to detect, evaluate, and respond to driving behaviors observed during a trip in a vehicle. The vehicle telematics information may characterize the observed driving behaviors, the segments traveled in the vehicle, and type of use of the vehicle. A rate to charge a driver may be based on the observed driving behaviors and a range of rates associated with the driver. The rate may fluctuate across a series of observation periods based on the driving behaviors observed during those observation periods. The rate may be presented to the driver in real-time while the driver operates a vehicle during a trip. The rate to charge the driver may further be based on use of the vehicle for personal use, ride shares, or vehicle shares.
Systems and methods are disclosed for providing roadside service through a synchronized interactive voice response (IVR) system and graphical user interface (GUI). One method may include: receiving, based on an incoming phone call from a vehicle user device, a request for roadside service for a disabled vehicle of a vehicle user; sending a text to a phone number of the vehicle user device, wherein the text includes a link to a mobile application for roadside service requests; receiving, from the vehicle user device and via the mobile application, information associated with the request for roadside service; determining, based on a location sensor of the vehicle user device, a location of the disabled vehicle; matching a roadside service provider with the disabled vehicle based on the request for roadside service; and enabling the vehicle user to track the service status of the roadside service provider through the mobile application.
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
Produits et services
Arranging subscriptions to services for trade-in and upgrade
of smart devices for others; online retail store services
featuring smart devices for buying and selling; online
auction services featuring bidding and purchasing of smart
devices. Providing extended warranties on consumer electronic
products, appliances, and consumer products, namely, home
and garden tools, air purifiers and air conditioning units,
home security systems, audio and video equipment and
systems, electronic musical instruments and sound systems,
video games and electronic games, photography equipment,
mobile phones, computers, GPS navigation devices,
televisions, tablet computers, electronic readers, mp3
players, headphones, watches, fitness trackers, dishwashers,
refrigerators, washing machines for clothes, and clothes
dryers; insurance underwriting. Maintenance and repair of cell phone related hardware.
95.
MULTI-PLATFORM MODEL PROCESSING AND EXECUTION MANAGEMENT ENGINE
Systems and methods are disclosed for managing the processing and execution of models that may have been developed on a variety of platforms. A multi-model execution module specifying a sequence of models to be executed may be determined. A multi-platform model processing and execution management engine may execute the multi-model execution module internally, or outsource the execution to a distributed model execution orchestration engine. A model data monitoring and analysis engine may monitor the internal and/or distributed execution of the multi-model execution module, and may further transmit notifications to various computing systems.
Methods, computer-readable media, systems and apparatuses for determining and implementing hazard unit based insurance policies are presented. A user may input a preliminary navigational route. The preliminary navigational route may be parsed into a plurality of road segments. Sensor data may be received from one or more databases. The sensor data may provide information associated with driving behaviors of the user, environmental conditions of the routes on which the vehicle has traveled, and the like. A road segment hazard score may be calculated for each road segment based in part on the sensor data. A total route hazard score may be calculated based on the road segment hazard score calculated for each road segment. The total route segment score may be transmitted to a real-time vehicular service exchange. One or more bids may be received from one or more computing devices of the real-time vehicular service exchange. A bid from the one or more received bids may be selected to insure the vehicle as it travels along the preliminary navigational route.
One or more devices in an accident detection and recovery computing system may be configured to determine that vehicle accidents have occurred, collect and analyze accident characteristics and other related data, and providing customized accident recovery services. Mobile computing devices, alone or in combination with vehicle-based systems and external devices, may detect accidents or receive accident indication data. After determining that an accident has occurred, mobile computing devices and/or vehicle-based systems may be configured to determine accident characteristics, retrieve vehicle data and vehicle occupant data from one or external servers, determine the damages or potential damages resulting from the accident, and determine one or more accident recovery options or recommendations based on the accident damages. Various user interface screens may be generated and displayed via the user's mobile device and/or a vehicle-based display device to provide the user with accident information, damages, and recovery options or recommendations.
G01P 3/00 - Mesure de la vitesse linéaire ou angulaireMesure des différences de vitesses linéaires ou angulaires
G01P 3/56 - Dispositifs caractérisés par l'utilisation de moyens électriques ou magnétiques pour comparer deux vitesses
G01P 15/00 - Mesure de l'accélérationMesure de la décélérationMesure des chocs, c.-à-d. d'une variation brusque de l'accélération
G01P 15/04 - Mesure de l'accélérationMesure de la décélérationMesure des chocs, c.-à-d. d'une variation brusque de l'accélération en ayant recours aux forces d'inertie pour indiquer une valeur maximale
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
H04W 4/02 - Services utilisant des informations de localisation
99.
INTELLIGENT STRUCTURAL PROTECTION SYSTEMS AND METHODS
Systems and methods for deployment of a protective component, generation of a customized design for the protective component, or combinations thereof are associated with a structure comprising a portion, a neural network model, processor(s), and memory storing machine readable instructions. When executed for deployment, the neural network model predicts the likelihood of the occurrence of the natural event in the geographic area within the time frame as high as defined by when the likelihood is above a threshold, and deploys the protective component for protecting the portion of the structure when the likelihood is high. For customized design, the neural network model is used to access dimension and weather data associated with a structure and weather data to generate the customized design of the protective component for the structure.
G01W 1/10 - Dispositifs pour la prévision des conditions météorologiques
G01S 19/14 - Récepteurs spécialement adaptés pour des applications spécifiques
G05B 13/02 - Systèmes de commande adaptatifs, c.-à-d. systèmes se réglant eux-mêmes automatiquement pour obtenir un rendement optimal suivant un critère prédéterminé électriques
G06F 30/27 - Optimisation, vérification ou simulation de l’objet conçu utilisant l’apprentissage automatique, p. ex. l’intelligence artificielle, les réseaux neuronaux, les machines à support de vecteur [MSV] ou l’apprentissage d’un modèle
Systems and methods are provided for evaluating aggregate risk exposure of insurance policies associated with a geographical area. An insurance system may include an aggregate risk management system, which calculates an aggregate risk exposure of insurance policies associated with a geographical area, and compares the aggregate risk exposure with a maximum tolerable risk exposure for the geographical area. Based on the comparison, the aggregate risk management system determines whether more insurance policies may be issued associated with the geographical area. The aggregate risk management system may issue a block at an insurance system to prevent new insurance policies associated with a geographical area based on the aggregate risk exposure for that geographical area.
