Patents
US 10424022 B2: Methods using a mobile device to provide data for insurance premiums to a remote computer
- Granted
- 2019-09-24
- Filed
- 2017-01-24 application 15414268
- Type
- Utility · 18 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.
Source: PVGPATDIS, file of 2026-04-10 (ipg190924.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company 2,604 patents | US company or organization | Bloomington, IL | STATE FARM MUTUAL AUTOMOBILE INSURANCE CO Form D issuer FUZZY medium confidence: same name (legal endings aside) and state | PVGPATDIS, file of 2026-04-10 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Benjamin F. Bowne | Mackinaw, IL | 16 | PVGPATDIS, file of 2026-04-10 | |
| James Jeng-Yeu Peng | Normal, IL | 6 | PVGPATDIS, file of 2026-04-10 | |
| Nicholas R. Baker | Normal, IL | 30 | PVGPATDIS, file of 2026-04-10 | |
| Duane Lee Marzinzik | Springfield, IL | 18 | PVGPATDIS, file of 2026-04-10 | |
| Matthew Eric Riley, Sr. | Heyworth, IL | 40 | PVGPATDIS, file of 2026-04-10 | |
| Nicholas U. Christopulos | Bloomington, IL | 45 | PVGPATDIS, file of 2026-04-10 | |
| Brian Mark Fields | Normal, IL | 287 | PVGPATDIS, file of 2026-04-10 | |
| J. Lynn Wilson | Normal, IL | 26 | PVGPATDIS, file of 2026-04-10 | |
| Bryan T. Wilkerson | Bloomington, IL | 9 | PVGPATDIS, file of 2026-04-10 | |
| David W. Thurber | Sherman, IL | 25 | PVGPATDIS, file of 2026-04-10 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q40/08 | PVGPATDIS, file of 2026-04-10 |
| B60W | Conjoint control of vehicle sub-units of different type or different function; control systems specially adapted for hybrid vehicles; road vehicle drive control systems for purposes not related to the control of a particular sub-unit | B60W40/09 | PVGPATDIS, file of 2026-04-10 |
| G01C | Measuring distances, levels or bearings; surveying; navigation; gyroscopic instruments; photogrammetry or videogrammetry | G01C21/3676 | PVGPATDIS, file of 2026-04-10 |
| G01S | Radio direction-finding; radio navigation; determining distance or velocity by use of radio waves; locating or presence-detecting by use of the reflection or reradiation of radio waves; analogous arrangements using other waves | G01S19/13 | PVGPATDIS, file of 2026-04-10 |
| G07C | Time or attendance registers; registering or indicating the working of machines; generating random numbers; voting or lottery apparatus; arrangements, systems or apparatus for checking not provided for elsewhere | G07C5/008 | PVGPATDIS, file of 2026-04-10 |
| H04W | Wireless communication networks | H04W4/026 | PVGPATDIS, file of 2026-04-10 |
| H04L | Transmission of digital information, e.g. telegraphic communication | H04L67/12 | PVGPATDIS, file of 2026-04-10 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2017-05-09 | Assignment Assignment of assignor's interest | PENG, JUFENG signed 2013-09-12 RILEY, MATTHEW ERIC, SR. signed 2013-09-12 THURBER, DAVID W. signed 2013-09-12 WILSON, J. LYNN signed 2013-09-12 WILKERSON, TODD signed 2013-09-20 BOWNE, BENJAMIN signed 2013-09-24 FIELDS, BRIAN signed 2013-10-15 BAKER, NICHOLAS R. signed 2013-10-17 CHRISTOPULOS, NICK signed 2013-10-17 MARZINZIK, DUANE signed 2013-10-17 | STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY BLOOMINGTON, IL | 42303/603 | ECORSEXC, file of 2026-09-25 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.