公开(公告)号：US12300043B1

公开(公告)日：2025-05-13

申请号：US16926135

申请日：2020-07-10

Applicant: Allstate Insurance Company

Inventor： Kyle Patrick Schmitt ,  David Lambert ,  Bennett Hansen ,  David Grady ,  Rachael Rubin ,  Dipti Karmarkar ,  Christopher Ciesielski

IPC: G07C5/00 ,  G01C21/00 ,  G01C21/28 ,  G01S19/00 ,  G01S19/25 ,  G01S19/52 ,  G06N20/00 ,  G06Q30/016 ,  G07C5/02 ,  G08G1/01 ,  G08G1/052

Abstract: Systems and methods in accordance with embodiments of the invention can proactively determine if a vehicle has stopped during a trip and calculate a likelihood that the vehicle is in need of roadside assistance. Information can be collected from a variety of devices, such as mobile phones, including the vehicle's location, the type of road, passing vehicles, and/or ambient noise. The likelihood of needing roadside assistance can be determined based on a configurable probability that the vehicle is experiencing a roadside event. The arrangements described herein provide for receiving and processing data in real-time to efficiently and accurately detect stopped vehicles, determine whether the vehicle is stopped for an urgent or non-urgent situation reason, and provide assistance accordingly.

公开(公告)号：US20250130054A1

公开(公告)日：2025-04-24

申请号：US18815237

申请日：2024-08-26

Applicant: Allstate Insurance Company

Inventor： Eric M. Linder

IPC: G01C21/34 ,  G01C21/32 ,  G01C21/36 ,  G06F16/29

Abstract: Implementations include classifying vehicle trips as similar to previous trips based on location information of a vehicle received from a location device. Unique tile identifiers of the trip, each corresponding to a geographic area and the location information, may be determined and used to generate a fingerprint of the trip. The derived trip fingerprint of the trip information may be compared to stored fingerprints of one or more previously received trips to determine if the new trip is similar to one or more of the previous trips. In one instance, information or data of a new trip may be adjusted based on previous trip data. For example, aspects of the new trip or the previous trip may be updated with information or data of a previous trip fi the new trip and the previous trip are similar.

公开(公告)号：US12282951B1

公开(公告)日：2025-04-22

申请号：US17239074

申请日：2021-04-23

Applicant: Allstate Insurance Company

Inventor： Floyd M. Yager ,  Thomas J. Wilson

IPC: G06Q40/02 ,  G06Q30/06

Abstract: System, methods, and apparatuses provide customizable product features by receiving, from a computing device associated with a user, an indication of user interest in a product, identifying, based on a first profile associated with the user, a first attribute, determining one or more second profiles that comprise the first attribute, determining one or more features, of the product, that are associated with the one or more second profiles, determining, for each of the one or more features, a utility value, simulating, based on strategic alternatives data and the utility value for each of the one or more features, demand for the one or more features, determining, based on the simulated demand, that a subset of the one or more features satisfies a need state associated with the user, and sending, to the computing device, a product package including the subset of the one or more features.

公开(公告)号：US20250117540A1

公开(公告)日：2025-04-10

申请号：US18377428

申请日：2023-10-06

Applicant: Allstate Insurance Company

Inventor： Andrew Young ,  Sarah K. Webster ,  Marvin Lu ,  Howard Hayes

IPC: G06F30/20

Abstract: Implementations described herein provide systems and methods for mitigating climate risk. In one implementation, an environmental forecast factor is determined based on one or more predictive climate models. The environmental forecast factor can be, for example, an environmental condition applied to a specific home. A severity of the environmental forecast factor on the specific home can be determined over a period of time. A financial instrument can be created that invests in an asset that is inversely related to the environmental forecast factor over the period of time, where the financial instrument is predicted to appreciate in value to at least the severity of the environmental forecast factor.

公开(公告)号：US12265633B2

公开(公告)日：2025-04-01

申请号：US17116354

申请日：2020-12-09

Applicant: Allstate Insurance Company

Inventor： Matei Stroila ,  Surender Kumar ,  Chanakykumar Bhavsar

IPC: G06F21/60 ,  G06F21/62 ,  G06N5/04 ,  G06N20/00

Abstract: Methods, computer-readable media, software, systems and apparatuses may receive, from a user device, notification of a user enrolling in a privacy incident protection application, receive, from the user device, user account information associated with one or more user accounts of the user, where the user account information includes a plurality of contextual settings, determine a risk footprint associated with the user based on the user account information, monitor the one or more user accounts, receive an indication of an incident based on monitoring the one or more user accounts and based on the risk footprint, and transmit an incident notification to a data server provider associated with the incident. The incident notification may include instructions to perform a mitigation action associated with the incident.

公开(公告)号：US20250104090A1

公开(公告)日：2025-03-27

申请号：US18371674

申请日：2023-09-22

Applicant: Allstate Insurance Company

Inventor： Howard Hayes ,  Timothy W. Gibson ,  Peter Bouchard ,  Thomas J. Wilson ,  Stella YuJen Liu

IPC: G06Q30/018 ,  G01R21/133 ,  G06Q30/0207

Abstract: Implementations described herein provide systems, methods, and devices for greenhouse gas monitoring and control. The systems, methods, and devices include a device detection system which identifies device identifier(s) corresponding to device(s) associated with a user. The device(s) include at least one of an electric vehicle, a home device, a power system device, or a power system device. Upon detecting the device(s), a user behavior analyzer receives energy consumption-related data from the device(s) resulting from energy consumption behavior of the user. The system determines, based on the energy consumption-related data, one or more behavior metrics of the user. A reduction integration generator identifies an energy consumption reduction integration corresponding to the one or more behavior metrics (e.g., a device operational parameter modification, a behavioral modification, a credit, and so forth), and integrates the energy consumption reduction integration to facilitate a reduction of energy consumption for the user.

公开(公告)号：US20250094923A1

公开(公告)日：2025-03-20

申请号：US18794923

申请日：2024-08-05

Applicant: Allstate Insurance Company

Inventor： Glenn Shapiro

IPC: G06Q10/10 ,  G06F16/55 ,  G06Q10/0631 ,  G06Q20/08 ,  G06Q30/018 ,  G06Q30/02 ,  G06Q30/0282 ,  G06Q40/08

Abstract: Systems and methods are provided for obtaining data annotations from a crowdsourced group of individuals. The individuals can be provided with a set of data describing damage to an item and a variety of annotations can be applied to the data. In a variety of embodiments, multiple individuals can review the same claim and a final claim outcome can be determined based on the multiple reviews. In many embodiments, machine classifiers can process the set of data to identify particular features within the data. Scoring data can be generated, based on annotations provided by other individuals and/or machine classifiers that reflects the adjuster's skill at identifying features within the data and annotating the data. Claims can be assigned to individuals based on the score assigned to the individual.

公开(公告)号：US12253369B2

公开(公告)日：2025-03-18

申请号：US18229896

申请日：2023-08-03

Applicant: Allstate Insurance Company

Inventor： Elizabeth Schreier ,  Jamie Elizabeth Grahn

IPC: G01C21/34 ,  G01C21/36 ,  H04L67/12 ,  H04L67/306 ,  H04W4/024 ,  H04W4/029 ,  H04W4/40 ,  H04W4/44 ,  H04W88/02

Abstract: A multi-stop route selection system may include a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device, and a server computer. The server computer may receive driving data of a driver of the vehicle and a vehicle location from the telematics device, determine one or more driving behaviors of the driver based on the driving data, receive data regarding a calendar of the driver from the mobile device, identify a plurality of appointments in the calendar, determine a route comprising multiple destinations for the driver based on the vehicle location, the one or more driving behaviors, and the plurality of appointments, transmit the route to the mobile device, receive a request to add a new destination to the route from the mobile device, generate a modified route comprising the new destination, and transmit the modified route for the driver to the mobile device.

公开(公告)号：US12248991B2

公开(公告)日：2025-03-11

申请号：US17950506

申请日：2022-09-22

Applicant: Allstate Insurance Company

Inventor： Bryan Keith Corder ,  Rothana Srey ,  Nicholas A. Suizzo ,  Sean P. Willett

IPC: G06Q40/08

Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are provided. The data may be used to determine whether the home device is operating within an expected range or, if it is outside of an expected range or threshold, whether a home event has occurred. Upon occurrence of the home event, an insurance claim to cover any damage caused by the home event may be initiated and/or processed. In some examples, repair of any damage may also be coordinated by the system. In some arrangements, the initiation and/or processing of the claim, and/or coordination of the repair may be performed without any additional input from the user associated with the policy, home device, etc. or with limited additional input from the user.

公开(公告)号：US12246727B1

公开(公告)日：2025-03-11

申请号：US17318561

申请日：2021-05-12

Applicant: Allstate Insurance Company

Inventor： Margaret A. Brinkmann ,  Daniel Kraft ,  Nathan M. Bryer ,  Eric D. Huls ,  Thomas Michael Warden

IPC: B60W40/09 ,  G07C5/00 ,  G08G1/01

Abstract: A driving analysis server may be configured to receive vehicle operation data from vehicle sensors and telematics devices of a first vehicle, and may use the data to identify a potentially high-risk or unsafe driving behavior by the first vehicle. The driving analysis server also may retrieve corresponding vehicle operation data from one or more other vehicles, and may compare the potentially high-risk or unsafe driving behavior of the first vehicle to corresponding driving behaviors in the other vehicles. A driver score for the first vehicle may be calculated or adjusted based on the comparison of the driving behavior in the first vehicle to the corresponding driving behaviors in the other vehicles.