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1. 发明申请

US20120123806A1 SYSTEMS AND METHODS FOR PROVIDING A SAFETY SCORE ASSOCIATED WITH A USER LOCATION 有权
标题翻译：用于提供与用户位置相关的安全等级的系统和方法
公开(公告)号：US20120123806A1
公开(公告)日：2012-05-17
申请号：US13233357
申请日：2011-09-15
申请人： Douglas D. Schumann, JR. , Alex M. Carges , Mark S. Coleman , Roza E. Kogan , Ben Jade Lim , David F. Peak
发明人： Douglas D. Schumann, JR. , Alex M. Carges , Mark S. Coleman , Roza E. Kogan , Ben Jade Lim , David F. Peak
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G08G1/096775
摘要： Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user's location identified by user location data may be received over a communications network. A computer processing system may then be operated to generate a safety score associated with said use location data, the safety score being based on a plurality of loss risk factors associated with the user location data. A response, including the safety score, may then be transmitted to the user over the communications network.
摘要翻译：根据一些实施例，提供了保险系统，方法和设备，其包括用于存储，更新和提供对损失风险评分数据的访问的数据存储设备。在一些实施例中，可以通过通信网络接收与由用户位置数据标识的用户位置相关联的信息的请求。然后可以操作计算机处理系统以产生与所述使用位置数据相关联的安全分数，安全分数基于与用户位置数据相关联的多个损失风险因素。然后可以通过通信网络将包括安全分数在内的响应发送给用户。

2. 发明授权

US08805707B2 Systems and methods for providing a safety score associated with a user location 有权
标题翻译：用于提供与用户位置相关联的安全评分的系统和方法
公开(公告)号：US08805707B2
公开(公告)日：2014-08-12
申请号：US13233357
申请日：2011-09-15
申请人： Douglas D. Schumann, Jr. , Alex M. Carges , Mark S. Coleman , Roza E. Kogan , Ben Jade Lim , David F. Peak
发明人： Douglas D. Schumann, Jr. , Alex M. Carges , Mark S. Coleman , Roza E. Kogan , Ben Jade Lim , David F. Peak
IPC分类号： G06Q40/00 , G06Q40/08
CPC分类号： G06Q40/08 , G08G1/096775
摘要： Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user's location identified by user location data may be received over a communications network. A computer processing system may then be operated to generate a safety score associated with said use location data, the safety score being based on a plurality of loss risk factors associated with the user location data. A response, including the safety score, may then be transmitted to the user over the communications network.
摘要翻译：根据一些实施例，提供了保险系统，方法和设备，其包括用于存储，更新和提供对损失风险评分数据的访问的数据存储设备。在一些实施例中，可以通过通信网络接收与由用户位置数据标识的用户位置相关联的信息的请求。然后可以操作计算机处理系统以产生与所述使用位置数据相关联的安全分数，安全分数基于与用户位置数据相关联的多个损失风险因素。然后可以通过通信网络将包括安全分数在内的响应发送给用户。

3. 发明申请

US20140350970A1 COMPUTER SYSTEM FOR DETERMINING GEOGRAPHIC-LOCATION ASSOCIATED CONDITIONS 审中-公开
标题翻译：用于确定地理位置相关条件的计算机系统
公开(公告)号：US20140350970A1
公开(公告)日：2014-11-27
申请号：US14457732
申请日：2014-08-12
申请人： Douglas D. Schumann, JR. , Alex M. Carges , Mark S. Coleman , Roza E. Kogan , Ben Jade Lim , David F. Peak
发明人： Douglas D. Schumann, JR. , Alex M. Carges , Mark S. Coleman , Roza E. Kogan , Ben Jade Lim , David F. Peak
IPC分类号： G06Q40/08 , G08G1/0967
CPC分类号： G06Q40/08 , G08G1/096775
摘要： Pursuant to some embodiments, computer systems for generating safety scores relating to vehicle travel routes are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user's location identified by user location data may be received over a communications network. A computer processing system may then be operated to generate a safety score associated with said use location data, the safety score being based on a plurality of loss risk factors associated with the user location data. A response, including the safety score, may then be transmitted to the user over the communications network.
摘要翻译：根据一些实施例，提供了用于产生与车辆行驶路线相关的安全分数的计算机系统，其包括用于存储，更新和提供对损失风险评分数据的访问的数据存储装置。在一些实施例中，可以通过通信网络接收与由用户位置数据标识的用户位置相关联的信息的请求。然后可以操作计算机处理系统以产生与所述使用位置数据相关联的安全分数，安全分数基于与用户位置数据相关联的多个损失风险因素。然后可以通过通信网络将包括安全分数在内的响应发送给用户。

4. 发明申请

US20110213628A1 SYSTEMS AND METHODS FOR PROVIDING A SAFETY SCORE ASSOCIATED WITH A USER LOCATION 审中-公开
标题翻译：用于提供与用户位置相关的安全等级的系统和方法
公开(公告)号：US20110213628A1
公开(公告)日：2011-09-01
申请号：US13105059
申请日：2011-05-11
申请人： David F. Peak , Alex M. Carges , Roza E. Kogan , Ben Jade Lim , Douglas D. Schumann,, JR.
发明人： David F. Peak , Alex M. Carges , Roza E. Kogan , Ben Jade Lim , Douglas D. Schumann,, JR.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user's location identified by user location data may be received over a communications network. A computer processing system may then be operated to generate a safety score associated with said use location data, the safety score being based on a plurality of loss risk factors associated with the user location data. At least one element of an insurance policy associated with the user may be modified in accordance with the safety score. A response, including the safety score, may then be transmitted to the user over the communications network.
摘要翻译：根据一些实施例，提供了保险系统，方法和设备，其包括用于存储，更新和提供对损失风险评分数据的访问的数据存储设备。在一些实施例中，可以通过通信网络接收与由用户位置数据标识的用户位置相关联的信息的请求。然后可以操作计算机处理系统以产生与所述使用位置数据相关联的安全分数，安全分数基于与用户位置数据相关联的多个损失风险因素。可以根据安全分数修改与用户相关联的保险单的至少一个要素。然后可以通过通信网络将包括安全分数在内的响应发送给用户。

5. 发明授权

US09786009B2 System and method for administering a telematics-enabled test drive dealer program 有权
公开(公告)号：US09786009B2
公开(公告)日：2017-10-10
申请号：US13306388
申请日：2011-11-29
申请人： Douglas D. Schumann, Jr. , Alex M. Carges , Michael Patrick Slattery , Ben J. Lim
发明人： Douglas D. Schumann, Jr. , Alex M. Carges , Michael Patrick Slattery , Ben J. Lim
IPC分类号： G06Q40/08 , G06Q30/06 , G06Q50/30
CPC分类号： G06Q40/08 , G06Q30/06 , G06Q50/30
摘要： Systems and methods are disclosed herein for pricing an insurance premium based on telematics data. The system includes a communications interface and a business logic processor in communications with the communications interface. The communications interface receives telematics data collected by a telematics acquisition device configured at a dealership for collecting telematics data of a vehicle sold by the dealership. The communications interface also receives vehicle data indicating the make and model of the vehicle sold and vehicle owner data related to the purchaser of the vehicle sold. The business logic processor determines an insurance quote for the purchaser based on the received telematics data, vehicle data, and vehicle owner data. The communications interface transmits the insurance quote for the purchaser of the vehicle. The business logic processor also manages a predetermined incentive that is provided to the purchaser in return for allowing the telematics data acquisition device to collect telematics data.

6. 发明申请

US20130138460A1 SYSTEM AND METHOD FOR ADMINISTERING A TELEMATICS-ENABLED TEST DRIVE DEALER PROGRAM 有权
标题翻译：用于管理电视启动测试驱动程序的系统和方法
公开(公告)号：US20130138460A1
公开(公告)日：2013-05-30
申请号：US13306388
申请日：2011-11-29
申请人： Douglas D. Schumann, JR. , Alex M. Carges , Michael Patrick Slattery , Ben J. Lim
发明人： Douglas D. Schumann, JR. , Alex M. Carges , Michael Patrick Slattery , Ben J. Lim
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q30/06 , G06Q50/30
摘要： Systems and methods are disclosed herein for pricing an insurance premium based on telematics data. The system includes a communications interface and a business logic processor in communications with the communications interface. The communications interface receives telematics data collected by a telematics acquisition device configured at a dealership for collecting telematics data of a vehicle sold by the dealership. The communications interface also receives vehicle data indicating the make and model of the vehicle sold and vehicle owner data related to the purchaser of the vehicle sold. The business logic processor determines an insurance quote for the purchaser based on the received telematics data, vehicle data, and vehicle owner data. The communications interface transmits the insurance quote for the purchaser of the vehicle. The business logic processor also manages a predetermined incentive that is provided to the purchaser in return for allowing the telematics data acquisition device to collect telematics data.
摘要翻译：本文公开了基于远程信息处理数据定价保险费的系统和方法。该系统包括与通信接口通信的通信接口和业务逻辑处理器。通信接口接收由经销商配置的远程信息处理采集设备收集的远程信息数据，用于收集由经销商销售的车辆的远程信息处理数据。通信接口还接收车辆数据，指示出售车辆的品牌和型号以及与所销售车辆的购买者相关的车主数据。业务逻辑处理器基于所接收到的远程信息数据，车辆数据和车主数据来确定购买者的保险报价。通信接口传输车辆购买者的保险报价。业务逻辑处理器还管理提供给购买者的预定激励，以便允许远程信息数据采集设备收集远程信息数据。

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