State Farm Mutual Vehicle Insurance coverage Firm – InsuranceNewsNet


2022 SEP 23 (NewsRx) — By a Information Reporter-Employees Information Editor at Insurance coverage Each day Information — Based on information reporting originating from Washington, D.C., by NewsRx journalists, a patent utility by the inventors Christopulos, Nicholas U. (Bloomington, IL, US); Donahue, Erik (Regular, IL, US); Goldfarb, Meghan Sims (Bloomington, IL, US); Hayward, Gregory L. (Bloomington, IL, US), filed on Could 24, 2022, was made out there on-line on September 8, 2022.

The assignee for this patent utility is State Farm Mutual Vehicle Insurance coverage Firm (Bloomington, Illinois, United States).

Reporters obtained the next quote from the background info equipped by the inventors: “As pc and pc networking expertise has turn into inexpensive and extra widespread, increasingly more units have began to include digital “good” functionalities. For instance, controls and sensors able to interfacing with a community might now be integrated into units resembling automobiles and/or site visitors management techniques. Moreover, it’s potential for a number of automobile and/or central controllers to interface with the good units or sensors.

“Nevertheless, typical techniques might not be capable of robotically detect and characterize numerous situations or harm related to a automobile or constructing. Moreover, typical techniques might not be capable of detect or sufficiently determine and describe harm that’s hidden from human view, and that sometimes must be characterised by express human bodily exploration, extent and vary {of electrical} malfunctions, and many others. Standard techniques additional might not be capable of formulate exact characterizations of loss with out together with unconscious biases, and will not be capable of equally weight all historic information in figuring out loss mitigation elements.”

Along with acquiring background info on this patent utility, NewsRx editors additionally obtained the inventors’ abstract info for this patent utility: “The current disclosure typically pertains to techniques and strategies for detecting harm, loss, and/or different situations related to a automobile utilizing a pc system and/or a constructing, land, construction, or different actual property utilizing a property monitoring system. Embodiments of exemplary techniques and computer-implemented strategies are summarized beneath. The strategies and techniques summarized beneath might embody extra, much less, or alternate elements, performance, and/or actions, together with these mentioned elsewhere herein.

“In a single side, the current embodiments might relate to figuring out an automobile-based danger stage through a number of processors, coaching a neural community to determine danger elements which are predictive digital declare options, receiving info comparable to (i) an vehicle, and/or (ii) an vehicle operator, analyzing the knowledge utilizing the skilled neural community to generate a number of danger indicators, figuring out, by analyzing the chance indicators, a danger stage comparable to the auto, and/or displaying, to a person, an insurance coverage citation primarily based upon analyzing the chance indicators. The car could also be a wise, autonomous, or semi-autonomous automobile, and have sensors, software program, and digital elements that direct autonomous or semi-autonomous automobile options or applied sciences – every of which can have a numerous ranges of danger, or lack thereof, which may be analyzed and decided by the current embodiments. Techniques and strategies might robotically generate danger fashions for numerous sorts of automobile insurance coverage varieties and loss varieties, resembling by the applying of synthetic intelligence and machine studying strategies as disclosed herein, to supply extra granular danger fashions, resulting in extra correct industrial choices, and extra acceptable matching premium worth to precise danger.

“In one other side; a computer-implemented methodology of figuring out an automobile-based danger stage through a number of processors might embody coaching, through a number of processors, a neural community to determine danger elements which are predictive of digital automobile declare data. The neural community might embody a plurality of layers, and an enter layer from among the many plurality of layers might embody a plurality of enter parameters-with every comparable to a special declare attribute. The strategy might embody, through a number of processors, receiving info comparable to (i) an vehicle, and/or (ii) an vehicle operator; and analyzing the knowledge utilizing the skilled neural community. Analyzing the knowledge might embody producing, inside the plurality of layers, a number of danger indicators comparable to the knowledge. The strategy can also embody figuring out a danger stage comparable to the automobile. The strategy might embody extra, much less, or alternate actions, together with these mentioned elsewhere herein.

“In one other side, a computing system might embody a number of processors, and a number of reminiscences storing directions. When the directions are executed by the a number of processors, they might trigger the computing system to supply a primary utility to a person of a shopper computing machine. The primary utility, when executing on the shopper computing machine, might trigger the shopper computing machine to acquire a set of data from an enter machine of the shopper computing machine, and transmit, through a communication community interface of the shopper computing machine, the set of data to a distant computing system. The directions might trigger the computing system to obtain, on the distant computing system, the set of data and course of, on the distant computing system, the set of data. The directions might trigger the computing system to determine, by the distant computing system, a number of danger indications, no less than partly, by making use of the set of data to a skilled neural community and generate, by the distant computing system analyzing the a number of danger indications, a citation, resembling quote for auto insurance coverage. The directions might trigger the computing system to (i) show the citation to the person, and (ii) present the citation as enter to a second utility. The system might embody extra, much less, or alternate performance, together with that mentioned elsewhere herein.

“Benefits will turn into extra obvious to these expert within the artwork from the next description of the popular embodiments which have been proven and described by the use of illustration. As might be realized, the current embodiments could also be able to different and totally different embodiments, and their particulars are able to modification in numerous respects. Accordingly, the drawings and outline are to be thought to be illustrative in nature and never as restrictive.

“The Figures depict most popular embodiments for functions of illustration solely. One expert within the artwork will readily acknowledge from the next dialogue that various embodiments of the techniques and strategies illustrated herein could also be employed with out departing from the ideas of the invention described herein.”

The claims equipped by the inventors are:

“1. A pc-implemented methodology of figuring out harm to private property, the strategy comprising: inputting, through a number of processors, historic declare information right into a machine studying algorithm to coach the algorithm to determine an insured automobile, a respective kind of the insured automobile, respective insured automobile options or traits, a peril related to the insured automobile, and/or a restore or alternative value related to the insured automobile; receiving, through the a number of processors and/or the a number of transceivers, a digital picture depicting harm to the insured automobile, the digital picture submitted by an insured entity through a webpage, web site, and/or cell machine; and inputting, through the a number of processors, the digital picture of the broken insured automobile right into a processor having the skilled machine studying algorithm put in in a reminiscence unit, the skilled machine studying algorithm figuring out a kind of the broken insured automobile, a respective function or attribute of the broken insured automobile, a peril related to the broken insured automobile, and/or a restore or alternative value related to the broken insured automobile to facilitate dealing with an insurance coverage declare related to the broken insured automobile or enhancing a web based buyer expertise.

“2. The pc-implemented methodology of declare 1, whereby the respective options or traits of the broken insured automobile embody a number of autonomous or semi-autonomous applied sciences or techniques.

“3. The pc-implemented methodology of declare 2, whereby the peril related to the broken insured automobile includes collision, complete, the or water.

“4. The pc-implemented methodology of declare 1, the strategy additional comprising: retrieving, through the a number of processors and/or the a number of transceivers, an insurance coverage coverage related to the broken insured automobile; and figuring out, through the a number of processors, whether or not or not the peril related to the broken insured automobile is a coated peril beneath the insurance coverage coverage.

“5. The pc-implemented methodology of declare 1, whereby the peril related to the broken insured automobile includes hearth, smoke, water, hail, wind, or storm surge.

“6.-17. (canceled)

“18. A non-transitory pc readable medium containing program directions that when executed, trigger a pc to: enter historic declare information right into a machine studying algorithm to function the algorithm to determine a broken insured automobile, respective broken insured automobile kind, respective broken insured automobile options or traits, a peril related to the broken insured automobile, and/or a restore or alternative value related to the broken insured automobile; obtain a digital picture depicting harm to the insured automobile, the digital picture being submitted by an insured entity through a webpage, webpage, or cell machine: and enter the picture of the broken insured automobile right into a processor having the skilled machine studying algorithm put in in a reminiscence unit, the skilled machine studying algorithm figuring out a kind of the broken insured automobile, a function or attribute of the broken insured automobile, a peril related to the broken insured automobile, and/or a restore or alternative value related to the broken insured automobile to facilitate dealing with an insurance coverage declare related to the broken insured automobile.

“19. The non-transitory pc readable medium of declare 18, whereby the options or traits of the broken insured automobile embody geographical space, make, mannequin, transmission, tire, engine, autonomous or semi-autonomous options, air con, energy brakes, energy home windows, and/or colour of the automobile.

“20. The non-transitory pc readable medium of declare 18, containing additional program directions that when executed, trigger the pc to: retrieve an insurance coverage coverage related to the broken insured automobile; and decide whether or not or not the peril related to the broken insured automobile is a coated peril beneath the insurance coverage coverage.”

For extra info, see this patent utility: Christopulos, Nicholas U.; Donahue, Erik; Goldfarb, Meghan Sims; Hayward, Gregory L. Vehicle Monitoring Techniques and Strategies for Detecting Injury and Different Situations. Filed Could 24, 2022 and posted September 8, 2022. Patent URL: https://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PG01&p=1&u=%2Fnetahtmlpercent2FPTOpercent2Fsrchnum.html&r=1&f=G&l=50&s1=%2220220284517percent22.PGNR.&OS=DN/20220284517&RS=DN/20220284517

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