State Farm Mutual Automobile Insurance Company

Ryan Michael Gross

Joseph Robert Brannan

Brian N Harvey

Matthew Eric Riley, Sr

J Lynn Wilson

Aaron C Williams

Scott T Christensen

Benjamin Joel Tucker

Michael Aaron Myers

Darwin Gene Beachy

Joseph P Harr

Jody Ann Thoele

Eric R Moore

Craig Benjamin Cope

Vicki King

Shawn Harbaugh

M Eric Riley, Sr

Kristopher Keith Gaudin

Matthew S Megyese

Michael K Cook

Jessica Lynn Shull

Melissa C Miles

Rick Lovings

Jeffrey Wilson Stoiber

Mark E Clauss

Matthew Lewis Floyd

Jennifer L Crawford

Edward W Breitweiser

Christopher N Kawakita

Steven Joseph Balbach

Joann C Yant

Jenny L Jacobs

Daryoush Hakimi

Erik Skyten

Jordan Jeffers

Embodiments described herein generate a first set of prompts, the first set of prompts configured to prompt a vehicle owner for a first set of answers used to learn preferred vehicle renter characteristics; receive the first set of answers; generate, based upon the first set of answers, a second set of prompts, the second set of prompts configured to prompt the owner for a second set of answers used to learn additional preferred vehicle renter characteristics; receive the second set of answers; predict user preference value(s) of a profile of the owner based upon the second set of answers, wherein the user preference value(s) define criteria for sharing a vehicle associated with the profile with vehicle renters who satisfy the criteria; apply the criteria to potential vehicle renters; and cause an indication of the vehicle to be displayed only to the potential vehicle renters who satisfy the criteria.

System and methods for predicting rental vehicle use preferences

Embodiments of extended reality (XR) methods and systems for handling home-related information are disclosed. In one embodiment, a computer-implemented method may include (1) obtaining one or more XR preferences for a party; (2) presenting, using one or more devices associated with the party instructions constructed to guide the party to move throughout or around a real property, and prompts constructed to direct the party to capture data representing one or more of the real property or belongings; (3) determining, by one or more processors processing the captured data, asset data representing one or more of the real property or the belongings; and/or (4) presenting, in a virtualized environment in accordance with the party's XR preferences via an XR device, one or more visual depictions of the determined asset data such that the party or an insurance representative can at least one of view, modify, or approve the asset data.

Extended reality methods and systems for collecting, managing, and using home-related information

A computer system for network security vulnerability inspection may include one or more processors configured to: transmit a prompt for network security vulnerability testing code to an ML chatbot (or voice bot) to cause an ML model to generate the network security vulnerability testing code, receive the network security vulnerability testing code from the ML chatbot (or voice bot), scan a network to identify network computing devices, scan one or more of the network computing devices to identify security vulnerabilities and vulnerable network computing devices, and/or communicate the security vulnerabilities and/or vulnerable network computing devices to a user.

Generative artificial intelligence for a network security scanner

Systems and methods are described for performing analysis of parametric events. The method may include: (1) receiving weather data from a weather oracle network; (2) calculating, using a first trained machine learning algorithm, a likelihood of a trigger activation for a parametric event (or a trigger event) for a user based at least upon the weather data; (3) calculating, using a second trained machine learning algorithm, an estimated loss for the user based at least upon the likelihood of the trigger activation; (4) determining an initial coverage for the user; and (5) determining whether to offer the user updated coverage for the parametric event based at least upon a comparison of the initial coverage and the estimated loss for the user.

Parametric engine to implement methods using parametric analytics

A computer-implemented method in a mobile computing device for tracking health and usage of electric vehicle (EV) batteries using Quick Response (QR) codes (or NFC or RFID tags) is provided. The method may include (1) capturing, by a camera associated with a mobile computing device, an image of a tag affixed to an EV; (2) analyzing the image of the tag affixed to the EV; (3) identifying, by the one or more processors of the mobile computing device, the EV based upon analyzing the image of the tag affixed to the EV; (4) determining vehicle battery data associated with a rechargeable battery that powers the identified EV; (5) determining based upon the vehicle battery data associated with the rechargeable battery that powers the identified EV, a battery status indication corresponding to the identified EV; and/or (6) providing, via a user interface, the battery status indication corresponding to the identified EV.

Systems and methods for QR code battery health based tracking

A user analytics computing device for processing vehicle-based telematics data and generating user offerings responsive to the vehicle-based telematics data includes at least one processor in communication with a memory device. The processor is programmed to: (i) receive, from a vehicle computing device, telematics data associated with a plurality of trips taken by a first driver using a first vehicle, (ii) generate a driver profile of the first driver based at least in part upon the telematics data, (iii) access, from the memory device, contextual data associated with an environment in which the first vehicle travelled during the plurality of trips, (iv) synthesize the driver profile and the contextual data to generate a contextualized driver profile, (v) based upon the contextualized driver profile, generate a user offering to influence the driver profile, and (vi) transmit the user offering to a user computing device associated with the first driver.

Systems and methods for generating user offerings responsive to telematics data

A computer system for flood monitoring and insurance provider notification, the computer system may include one or more processors configured to: detect a flood event in a structure, transmit information associated with the structure and a prompt for flood reimbursement services to a machine learning (ML) chatbot to cause the ML chatbot to file a flood reimbursement claim with an insurance provider having an insurance policy associated with the structure via telephone by converting a text output into a voice output.

Artificial intelligence for flood monitoring and insurance claim filing

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

Systems and methods are described for analyzing user data to generate a dialogue output. The method may include: (1) receiving, by one or more processors, an indication of a user identity for a user at a generative artificial intelligence (AI) model; (2) retrieving, by the one or more processors and based upon at least the user identity, user data from one or more publicly accessible sources; (3) determining, by the one or more processors and based upon at least the user data, one or more personalization characteristics associated with at least an information retention rate for the user via the generative AI model; and (4) generating, by the one or more processors and based upon at least the one or more personalization characteristics, a personalized dialogue output (or visual or virtual output for display) for the user via the generative AI model.

Systems and methods for analysis of user telematics data using generative AI

A personalized insurance ('PI') computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.

Systems and methods for generating mobility insurance products using ride-sharing telematics data

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

Embodiments described herein, inter alia, receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by a potential renter during the period of time; identify, upon analyzing the telematics data, driving behavior(s) of the renter during the period of time; determine, for each driving behavior, a corresponding state of an environment of the vehicle when the driving behavior occurred; determine renter eligibility value(s) for the renter based on the driving behavior(s) and the corresponding state of an environment of the vehicle; compare the renter eligibility value(s) to user preference value(s) of a profile of a vehicle owner, wherein the user preference value(s) define one or more criteria for vehicle renters with whom the vehicle can be shared; and cause an indication of the vehicle associated with the profile to be displayed only if the renter satisfies the criteria.

System and methods for determining rental eligibility based on contextual telematics data

An adaptive mapping (AM) computing device having at least one processor in communication with at least one memory device is provided. The AM computing device may be configured to retrieve a plurality of tasks associated with a user, and retrieve geographic mapping data. The AM computing device may also generate a route model based upon the retrieved plurality of tasks and the retrieved geographic mapping data. The AM computing device may execute the route model to determine an optimal route, and transmit, to the user, an optimized travel plan based upon the optimal route.

Systems and methods for adaptive route optimization for learned task planning

A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.

Growing community of inventors

Normal, IL, United States of America

Ryan Michael Gross