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1. 发明申请

US20180285976A1 METHOD, COMPUTER PROGRAM PRODUCT AND SYSTEM FOR PROACTIVE INSURANCE MARKETING 审中-公开
公开(公告)号：US20180285976A1
公开(公告)日：2018-10-04
申请号：US11555026
申请日：2006-10-31
申请人： Tammy Dye , Kim Garland , Elisabeth Power , Shawn Anderson
发明人： Tammy Dye , Kim Garland , Elisabeth Power , Shawn Anderson
IPC分类号： G06Q40/08
摘要： A method, computer program product and system are provided for automatically detecting and notifying a party of a change in the party's insurance needs without the need for user intervention, on the part of an agent or the party him-, her-, or itself. Prospective customers can be identified through marketing, or an insurance provider may execute software that is configured to monitor one or more data sources that include information associated with the party and/or the party's environment. Upon detecting a triggering event that indicates a change in the party's insurance needs, the software may automatically notify the party of the change and provide a recommendation for a change in the party's insurance coverage resulting from the change in the party's insurance needs. The notification may further include a bindable quote associated with the recommendation, as well as a means by which the party can accept the recommendation and quote.

2. 发明授权

US10721696B2 Data synchronization across multiple sensors 有权
公开(公告)号：US10721696B2
公开(公告)日：2020-07-21
申请号：US16359090
申请日：2019-03-20
申请人： SAFECO INSURANCE COMPANY OF AMERICA
发明人： Christopher J. Carver
IPC分类号： H04W56/00 , H04L7/00 , A61B5/00
摘要： Various embodiments of the present invention provide methods, systems, apparatus, and computer program products for synchronizing data across at least two sensors. In one embodiment, first sensor data, which includes a universal time stamp from a universal time source, is recorded from at least one first sensor and second sensor data, which does not include a universal time stamp from a universal time source, is recorded from at least one second sensor. The first sensor data is correlated with the second sensor data, and a universal time that corresponds with the data from the second sensor is determined at least in part based on the correlation between the first sensor data and the second sensor data.

3. 发明申请

US20110040579A1 WEB-BASED SYSTEMS AND METHODS FOR PROVIDING SERVICES RELATED TO AUTOMOBILE SAFETY AND AN INSURANCE PRODUCT 审中-公开
标题翻译：基于WEB的系统和提供与汽车安全和保险产品有关的服务的方法
公开(公告)号：US20110040579A1
公开(公告)日：2011-02-17
申请号：US11959749
申请日：2007-12-19
申请人： James Havens
发明人： James Havens
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q10/08 , G06Q30/02
摘要： Systems and methods provide services relating to driving safety and insurance in connection with insuring selected segments of a population, such as young drivers or elderly drivers. A web-based system provides a web site having a home web page configured to provide links to web pages accessible by a user over the Internet, configured to provide program elements such as an interface to a GPS vehicle monitoring system connected to provide vehicle information to the user via one or more of the web pages and to receive instructions from the user to select features of the GPS system, a display of or link to educational information relating to safe driving, stored by the web-based system or provided by interface to a third party web site; or a display of or link to a tool providing an estimate of an insurance premium discount based on use of the program. A system for providing an insurance price estimate, a computer-implemented method of promoting the sale of vehicle insurance to a population segment, a computer system for providing an insurance premium discount, and a computer program product are also provided.
摘要翻译：系统和方法提供与驾驶安全和保险相关的服务，以确保选定的人口群体，如年轻司机或老年司机。基于网络的系统提供具有家庭网页的网站，家庭网页被配置为提供由用户可通过因特网访问的网页的链接，其被配置为提供程序元素，例如连接到车辆信息的GPS车辆监视系统的接口，该用户经由一个或多个网页并且接收来自用户的指令以选择GPS系统的特征，显示或链接到与安全驾驶有关的教育信息，由基于web的系统存储或由界面提供第三方网站; 或显示或链接到工具，根据程序的使用提供保险费折扣的估计。还提供了一种提供保险价格估算的系统，一种促进向人口部分销售车辆保险的计算机实现的方法，提供保险费折扣的计算机系统和计算机程序产品。

4. 发明授权

US10285141B1 Data synchronization across multiple sensors 有权
公开(公告)号：US10285141B1
公开(公告)日：2019-05-07
申请号：US13622793
申请日：2012-09-19
申请人： SAFECO INSURANCE COMPANY OF AMERICA
发明人： Christopher J. Carver
IPC分类号： H04W56/00 , H04L7/00 , A61B5/00
摘要： Various embodiments of the present invention provide methods, systems, apparatus, and computer program products for synchronizing data across at least two sensors. In one embodiment, first sensor data, which includes a universal time stamp from a universal time source, is recorded from at least one first sensor and second sensor data, which does not include a universal time stamp from a universal time source, is recorded from at least one second sensor. The first sensor data is correlated with the second sensor data, and a universal time that corresponds with the data from the second sensor is determined at least in part based on the correlation between the first sensor data and the second sensor data.

5. 发明授权

US08285618B1 System, program product and method for segmenting and underwriting using voting status 有权
标题翻译：使用投票状态分割和承销的系统，程序产品和方法
公开(公告)号：US08285618B1
公开(公告)日：2012-10-09
申请号：US13250474
申请日：2011-09-30
申请人： Gary Strannigan , Tammy Dye
发明人： Gary Strannigan , Tammy Dye
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A system, method and computer program product for utilizing a person's voting status as a factor in segmenting a population, and in various aspects of selling, underwriting, or rating insurance. In defining voting status, recent voting, voting frequency, or other voting history may optionally take into account the type of election or the turnout for the election, or both. Voting status may be used together with other factors such as age, gender, driving distance to place of employment, or residence location. A risk model for insurance purposes is provided, including segmentation of a population into groups based factors including voting status; and determining risk parameters of each group. A rate structure corresponding to the segmented groups may be calculated, and insurance coverage limits and a premium proposed to a customer based on a group assignment. Persons to receive insurance sales solicitations may be identified based on voting status.
摘要翻译：一种利用个人投票状态作为分割人口的因素的系统，方法和计算机程序产品，以及销售，承保或评级保险的各个方面。在定义投票状态时，最近的投票，投票频率或其他投票历史可以选择地考虑选举的类型或选举的投票率，或两者兼而有之。投票状态可与其他因素一起使用，如年龄，性别，到就业地点的行车距离或居住地点。提供了保险风险模型，包括将人口分为以投票状态为基础的因素; 并确定每个组的风险参数。可以计算对应于分段组的费率结构，并且基于组分配向顾客提出保险覆盖范围和保费。获得保险销售招标的人员可以根据投票状态确定。

6. 发明授权

US08060385B1 System, program product and method for segmenting and underwriting using voting status 有权
标题翻译：使用投票状态分割和承销的系统，程序产品和方法
公开(公告)号：US08060385B1
公开(公告)日：2011-11-15
申请号：US11952474
申请日：2007-12-07
申请人： Gary Strannigan , Tammy Dye
发明人： Gary Strannigan , Tammy Dye
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A system, method and computer program product for utilizing a person's voting status as a factor in segmenting a population, and in various aspects of selling, underwriting, or rating insurance. Voting status may include voter registration, eligibility for voter registration, an instance of recent voting, voting frequency, or other voting history in elections. In defining voting status, an instance of recent voting, voting frequency, or other voting history may optionally take into account the type of election or the turnout for the election, or both. Voting status may be used together with other factors such as age, gender, driving distance to place of employment, or residence location. A risk model for insurance purposes is provided, including segmentation of a population into groups based factors including voting status; and determining risk parameters of each group. A rate structure corresponding to the segmented groups may be calculated, and insurance coverage limits and a premium proposed to a customer based on a group assignment. Persons to receive insurance sales solicitations may be identified based on voting status.
摘要翻译：一种利用个人投票状态作为分割人口的因素的系统，方法和计算机程序产品，以及销售，承保或评级保险的各个方面。投票情况可能包括选民登记，选民登记资格，最近投票情况，投票频率或其他选举投票历史。在定义投票状态时，最近投票，投票频率或其他投票历史的例子可以选择性地考虑选举的类型或选举的投票率，或两者兼而有之。投票状态可与其他因素一起使用，如年龄，性别，到就业地点的行车距离或居住地点。提供了保险风险模型，包括将人口分为以投票状态为基础的因素; 并确定每个组的风险参数。可以计算对应于分段组的费率结构，并且基于组分配向顾客提出保险覆盖范围和保费。获得保险销售招标的人员可以根据投票状态确定。

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