State Farm Mutual Automobile Insurance Company

Michael Aaron Myers

Brian N Harvey

Joseph Robert Brannan

Ryan Michael Gross

Darwin Gene Beachy

Benjamin Joel Tucker

Matthew Eric Riley, Sr

Scott T Christensen

M Eric Riley, Sr

A computing device for generating on-demand products based upon real-time geolocation data is configured to receive and store at least one product definition associated with a respective product. Each product definition defines an availability of the product and includes a product availability location. The computing device is also configured to receive real-time location data from a user computing device, and periodically query a memory device with the real-time location data. The computing device detects that the user computing device has entered a first location by retrieving, in response to a successful query of the memory device, a first product definition associated with a first product having a product availability location including the first location. The computing device is also configured to generate a product identification message including at least a portion of the first product definition, and transmit the product identification message to the user computing device.

Systems and methods for generating on-demand products responsive to real-time geolocation and telematics

Described herein are methods and systems for generating and applying vehicle maintenance models to vehicle telematics data. A vehicle telematics analytics (VTA) computing device is configured to receive vehicle telematics data associated with operation of a subject vehicle, and apply the received vehicle telematics data to a vehicle maintenance model to determine whether the operation of the subject vehicle is better or worse than standard operation of like vehicles. The VTA computing device may adjust a maintenance cost and/or determine if a user of the vehicle is eligible for a reward based upon this determination. The VTA computing device is configured to transmit an itemized report to the user including the adjusted maintenance cost and/or the reward as well as one or more other vehicle costs.

Vehicle telematics systems and methods

A data analytics computing device for generating refined risk models responsive to vehicle-based telematics data is configured to receive geolocation data and telematics data associated with a plurality of vehicles. The geolocation data is captured at a location sensor of a vehicle computing device and representative of a location of the vehicle, and the telematics data is captured at a plurality of sensors of at least one of the vehicle or the vehicle computing device and representative of movement of the vehicle. The plurality of vehicles is associated with a geographic area. The data analytics computing device is also configured to apply machine-learning techniques to the geolocation data and the telematics data to define standard driving behavior within the geographic area, and generate driving behavior risk models for the geographic area based upon the standard driving behavior.

Systems and methods for generating refined risk models responsive to vehicle-based telematics data

Provided herein is a computing system including a processor in communication with at least one memory. The processor is configured to (i) build a model using historical vehicle telematics data and historical vehicle data, the model configured to: (a) predict an operating cost of a vehicle based upon a vehicle type and user data and (b) output operational parameters for operating the vehicle, (ii) receive a vehicle acquisition request for a selected vehicle including vehicle data for the selected vehicle and selected user data for the user of the selected vehicle, (iii) input the vehicle acquisition request data into the model, and (iv) output from the model an acquisition cost and operational parameters for the selected vehicle and the selected user including a procurement cost for the selected vehicle and an operating cost for operating the selected vehicle within the operational parameters for a predetermined time period.

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Heyworth, IL, United States of America

Michael Aaron Myers