State Farm Mutual Automobile Insurance Company

Steven Joseph Balbach

Mark E Clauss

Nicholas R Baker

Brian Mark Fields

Todd Binion

Kyle Pott

Andrea Lee Rhoades

Kerry Cote

Matthew Eric Riley, Sr

J Lynn Wilson

David W Thurber

Richard J Lovings

Vicki King

Ryan Michael Gross

Craig Benjamin Cope

Jennifer L Crawford

Rick Lovings

Daryoush Hakimi

Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle. Based on the performance of the driver, the driver may qualify for a reward.

Systems and methods for managing and processing vehicle operator accounts based on vehicle operation data

An odometer verification method includes capturing an odometer image at a threshold date, calculating a first and a second mileage using OCR, determining whether the first and the second mileage match, and updating a user profile associated with the insurance policy. A non-transitory, tangible computer-readable medium stores machine readable instructions in a mobile computing device, that when executed by a processor, cause the processor to capture an odometer image at a threshold date, calculate a first and a second mileage using OCR, determine whether the first and the second mileage match, and update a user profile. A mobile computing device includes an image capture unit configured to capture an odometer image at a threshold date, perform a first and a second OCR, determine whether the first and the second mileage match, and update the insurance policy user profile of the vehicle.

Verifying odometer mileage using captured images and optical character recognition (OCR)

Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.

Methods, systems, apparatus, and non-transitory media are described for verifying a vehicle's odometer mileage that is associated with an insurance policy. The described techniques include sending a notification to a mobile computing device requesting an update of the odometer mileage. The notification may be generated in response to the current date being within a threshold number of days prior to the insurance policy's expiration date. In response to the notification, a user may capture an image of the odometer with the mobile computing device, which may also include data indicative of the status of the mobile computing device. One or more optical character recognition (OCR) processes may be applied to the captured image to determine various odometer mileages. Aspects include verifying the odometer mileage when different OCR processes produce the same odometer mileage result and using the status of the mobile computing device to flag potentially fraudulent images.

Systems and methods for generating and delivering personalized and relevant notifications to a user are provided. According to certain aspects, a mobile device may receive activity data from a user of the mobile device. The mobile device may identify a set of real-time sensor data relevant to the activity data. The mobile device may generate a notification based on the activity data and the set of real-time sensor data. The mobile device may identify a set of user profile data relevant to the activity data and the set of real-time sensor data, and further identify a set of static data relevant to the set of user profile data. Based on the relevant data, the mobile device may modify the notification. Finally, the mobile device may deliver the notification to the user via a user interface.

Digital atlas for delivering personalized and relevant notifications

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Bloomington, IL, United States of America

Steven Joseph Balbach