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1. 发明授权

US10803529B2 System and method for determining driver signatures 有权
公开(公告)号：US10803529B2
公开(公告)日：2020-10-13
申请号：US16196931
申请日：2018-11-20
申请人： HARTFORD FIRE INSURANCE COMPANY
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： G06Q10/10 , G06Q40/08 , G06Q30/02
摘要： A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.

2. 发明申请

US20160117777A1 SYSTEM FOR PROCESSING ACCOUNT DATA IN A DISTRIBUTED SERVER 审中-公开
标题翻译：在分布式服务器中处理帐户数据的系统
公开(公告)号：US20160117777A1
公开(公告)日：2016-04-28
申请号：US14524589
申请日：2014-10-27
申请人： Hartford Fire Insurance Company
发明人： Sandra E. Belcourt , Julia M. Feldman , Steven J. Fernandes , Marc J. Natrillo
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： A cash value feature is associated with a property and/or casualty insurance policy. Information is received about an insurance claim associated with the insurance policy. It is determined whether the insurance claim is covered by the cash value feature. The currently funded monetary value of the cash value feature is also determined The amount payable to the policy holder attributable to the cash value feature is also determined A payment of that amount to the policy holder is facilitated.
摘要翻译：现金价值特征与财产和/或伤亡保险相关联。收到有关与保险单相关的保险索赔的信息。确定保险索赔是否由现金价值特征所涵盖。现金价值特征的现有资金货币价值也确定了应付给现金价值特征的保单持有人的金额也被确定了对保单持有人的支付金额。

3. 发明申请

US20150187013A1 SYSTEM AND METHOD FOR DETERMINING DRIVER SIGNATURES 审中-公开
标题翻译：用于确定驾驶员签名的系统和方法
公开(公告)号：US20150187013A1
公开(公告)日：2015-07-02
申请号：US14145142
申请日：2013-12-31
申请人： Hartford Fire Insurance Company
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： G06Q40/08 , G06Q30/02
CPC分类号： G06Q40/08 , G06Q30/0283
摘要： A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.
摘要翻译：一种被配置为确定与涵盖至少一个车辆的帐户相关联的保险费用的系统，以及包括存储履历信息的计算机存储器的至少一个驾驶员; 处理器，其接收关于与所述至少一个车辆的使用相关联的与所述车辆中的至少一个相关联的远程信息处理数据的信息; 所述处理器还被配置为确定由至少一个车辆使用的离散段，并且确定与每个所述离散使用段相关联的驾驶员签名; 所述处理器还被配置为响应于所述至少一个离散使用段产生驾驶员风险评估; 所述处理器还被配置为至少部分地基于所述至少一个风险评估和所述传记信息来计算定价信息; 以及被配置为将定价信息发送到用户设备或用户传输设备的发射机。

4. 发明授权

US10399493B2 Electronics for remotely monitoring and controlling a vehicle 有权
公开(公告)号：US10399493B2
公开(公告)日：2019-09-03
申请号：US16036566
申请日：2018-07-16
申请人： HARTFORD FIRE INSURANCE COMPANY
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： B60Q9/00 , G06Q40/08 , G07C5/08 , G07C5/00
摘要： A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal. The description includes a second transceiver remote from the vehicle that receives a transmitted condition, and compares that condition to received conditions from other vehicles and provides feedback to adjust the use of the vehicle based on the comparison, and a user interface for providing feedback to a user including at least one of visual indication, audible indication, and physically altering the use of the vehicle. The description includes coupling of the plurality of sensors to the control unit with a controller area bus (CAN). The first transmitter may transmit over an RF network.

5. 发明申请

US20190087911A1 SYSTEM AND METHOD FOR DETERMINING DRIVER SIGNATURES 审中-公开
公开(公告)号：US20190087911A1
公开(公告)日：2019-03-21
申请号：US16196931
申请日：2018-11-20
申请人： HARTFORD FIRE INSURANCE COMPANY
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： G06Q40/08 , G06Q30/02
CPC分类号： G06Q40/08 , G06Q30/0283
摘要： A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.

6. 发明授权

US10134091B2 System and method for determining driver signatures 有权
公开(公告)号：US10134091B2
公开(公告)日：2018-11-20
申请号：US14145142
申请日：2013-12-31
申请人： Hartford Fire Insurance Company
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： G06Q40/08 , G06Q30/02
摘要： A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.

7. 发明申请

US20190389378A1 ELECTRONICS FOR REMOTELY MONITORING AND CONTROLLING A VEHICLE 审中-公开
公开(公告)号：US20190389378A1
公开(公告)日：2019-12-26
申请号：US16556785
申请日：2019-08-30
申请人： HARTFORD FIRE INSURANCE COMPANY
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： B60Q9/00 , G06Q40/08 , G07C5/08 , G07C5/00
摘要： A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal. The description includes a second transceiver remote from the vehicle that receives a transmitted condition, and compares that condition to received conditions from other vehicles and provides feedback to adjust the use of the vehicle based on the comparison, and a user interface for providing feedback to a user including at least one of visual indication, audible indication, and physically altering the use of the vehicle. The description includes coupling of the plurality of sensors to the control unit with a controller area bus (CAN). The first transmitter may transmit over an RF network.

8. 发明申请

US20170021764A1 ELECTRONICS FOR REMOTELY MONITORING AND CONTROLLING A VEHICLE 有权
标题翻译：用于远程监控和控制车辆的电子设备
公开(公告)号：US20170021764A1
公开(公告)日：2017-01-26
申请号：US15181237
申请日：2016-06-13
申请人： HARTFORD FIRE INSURANCE COMPANY
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： B60Q9/00
CPC分类号： B60Q9/00 , G06Q40/08 , G07C5/008 , G07C5/0825 , G07C5/0841
摘要： A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal. The description includes a second transceiver remote from the vehicle that receives a transmitted condition, and compares that condition to received conditions from other vehicles and provides feedback to adjust the use of the vehicle based on the comparison, and a user interface for providing feedback to a user including at least one of visual indication, audible indication, and physically altering the use of the vehicle. The description includes coupling of the plurality of sensors to the control unit with a controller area bus (CAN). The first transmitter may transmit over an RF network.
摘要翻译：描述了被配置为监视车辆的使用状况并且向车辆的用户提供反馈以在某些参数内保持使用的系统和方法。该描述包括位于车辆附近的多个传感器，每个传感器被配置为监测至少一个车辆参数，多个传感器从加速度计，速度，温度，里程，油位，油压，运行时间和位置中选择传感器，每个传感器产生封装所监视的车辆参数的信号，并将所生成的信号发送到控制单元。该描述包括控制单元，其接收来自多个传感器中的每一个的所生成的信号，所述控制单元包括存储接收信号的存储器，并且选择性地将接收的信号与从多个传感器中的其他传感器接收的其他信号组合。该描述包括耦合到能够发送组合信号的控制单元的第一发射机。该描述包括远离车辆的第二收发机，其接收所发送的状况，并且将该条件与来自其他车辆的接收状况进行比较，并提供反馈以基于比较来调整车辆的使用;以及用户界面，用于向用户包括视觉指示，可听见的指示和物理地改变车辆的使用中的至少一个。该描述包括使用控制器区域总线（CAN）将多个传感器耦合到控制单元。第一发射机可以通过RF网络进行传输。

9. 发明申请

US20150187016A1 SYSTEM AND METHOD FOR TELEMATICS BASED UNDERWRITING 审中-公开
标题翻译：基于电话基础的系统和方法
公开(公告)号：US20150187016A1
公开(公告)日：2015-07-02
申请号：US14145205
申请日：2013-12-31
申请人： Hartford Fire Insurance Company
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： A system for determining insurance pricing information comprising a computer memory for storing biographical information, including an expected total mileage driven by a vehicle and an initial risk assessment based on at least the expected total mileage driven; the processor further configured to determine, based on telematics data, a plurality of relativity factors, wherein relativity factors are numerical values generated based on a comparison of the information associated with the received telematics data with other drivers; the processor configured to calculate the product of the plurality of relativity factors with a starting discount and compare the product with a predetermined threshold; the processor further configured to adjust insurance pricing information based on the comparison of the product of the relativity factors with the predetermined threshold.
摘要翻译：一种用于确定保险价格信息的系统，包括用于存储传记信息的计算机存储器，包括由车辆驱动的预期总里程和至少基于驱动的预期总里程的初始风险评估; 所述处理器还被配置为基于远程信息处理数据确定多个相对因子，其中相对因子是基于与所接收的远程信息数据与其他驱动器相关联的信息的比较而生成的数值; 所述处理器被配置为以起始折扣来计算所述多个相对因子的乘积，并将所述乘积与预定阈值进行比较; 处理器还被配置为基于相对因子的乘积与预定阈值的比较来调整保险定价信息。

10. 发明申请

US20150187015A1 SYSTEM AND METHOD FOR DESTINATION BASED UNDERWRITING 审中-公开
标题翻译：基于目的地的系统和方法
公开(公告)号：US20150187015A1
公开(公告)日：2015-07-02
申请号：US14145181
申请日：2013-12-31
申请人： Hartford Fire Insurance Company
发明人： Isaac D. Adams , Steven J. Fernandes , Marc J. Natrillo , Paul Brendan Olson , Pankaj Prakash
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： A system for determining risk associated with a driver, the system comprising a receiver, configured to receive information associated with telematics data; a processor further configured to determine, based at least in part on the telematics data, that a vehicle has reached a destination, a length of time spent at the destination and a times of day during which the vehicle is at the destination; the processor configured to determine a direct exposure rating based on at least the determined destination, the length of time spent at the destination, and the times of day during which the vehicle is at the location; the processor further configured to adjust an insurance pricing information based on the direct exposure rating; and a transmitter configured to transmit the adjusted pricing information to a user device.
摘要翻译：一种用于确定与驾驶员相关联的风险的系统，所述系统包括接收机，被配置为接收与远程信息数据相关联的信息; 处理器还被配置为至少部分地基于远程信息处理数据来确定车辆已经到达目的地，在目的地花费的时间长度和车辆在目的地的时间段; 所述处理器被配置为基于至少所确定的目的地，所述目的地所花费的时间长度以及所述车辆在所述位置处的时间来确定直接暴露等级; 处理器还被配置为基于直接暴露等级来调整保险定价信息; 以及发送器，被配置为将调整后的定价信息发送到用户设备。

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