Patent application number | Description | Published |
20100131300 | VISIBLE INSURANCE - Real-time insurance rates can be generated and presented to a driver—as the rate changes, the change can be shown through an interface. Different factors can be evaluated and based upon a result of the evaluation, the rate can be determined. The determination can be performed locally at a vehicle as well as by an insurance company. A bidding process can be used where different insurance companies supply rates and a user or automated process selects the rate for use - the selected rate is conveyed upon the interface. | 05-27-2010 |
20100131301 | INSURANCE VERTICAL MARKET SPECIALIZATION - Vertical insurance market specialization is provided where policies can be created based on granular information related to actual usage of an object. The information can be received in real time or near real time, and specific market definitions can be created based on the information. Insurance companies can bid on specific market definitions, and an owner of the object can select coverage. In cases of automobile insurance, route information or other sensed parameters (such as driving behavior) can be provided to define an insurance market for a specific driver. Allowing companies to bid on the specific instances allows for increased competition and lower cost than current blanket solutions. | 05-27-2010 |
20100131302 | INSURANCE VERTICAL MARKET SPECIALIZATION - Vertical insurance market specialization is provided where policies can be created based on granular information related to actual usage of an object. The information can be received in real time or near real time, and specific market definitions can be created based on the information. Insurance companies can bid on specific market definitions, and an owner of the object can select coverage. In cases of automobile insurance, route information or other sensed parameters (such as driving behavior) can be provided to define an insurance market for a specific driver. Allowing companies to bid on the specific instances allows for increased competition and lower cost than current blanket solutions. | 05-27-2010 |
20100131303 | DYNAMIC INSURANCE RATES - Systems and methods that customize insurance rates in real time to correspond to unique behavior/character traits of a user/driver. A rate adjustment component can interact with insurance companies that provide bids based on the contextual data—wherein, insurance costs can be dynamically adjusted, and the user/driver switched in real-time between such insurance companies (e.g., based on bids), to ensure obtaining optimum rates. A switching component can switch user/driver) to an insurance company that bids the best rate. Hence, during a trip the user/driver can actually be insured by various suppliers during different segments of such trip. | 05-27-2010 |
20100131304 | REAL TIME INSURANCE GENERATION - An on-board monitoring system in conjunction with a mobile device can be employed to gather real-time information regarding how a vehicle is being operated by the owner of the mobile device. The mobile device has information stored thereon that allows the user to be identified by the on-board monitoring system. The real-time information is forwarded to a remote insurance provider system that, based upon the gathered real-time information, determines an insurance rate. The determined insurance rate can be transmitted to the owner allowing them to see how their driving style is affecting their insurance rate and can adjust their driving style accordingly. | 05-27-2010 |
20100131305 | INSURANCE VISIBILITY - Dynamic insurance rate adjustments are communicated to a vehicle operator in order to allow the vehicle operator to adjust various parameters before an actual change to an insurance rate is communicated to a service provider or trusted third party. The various parameters can be external parameters and/or internal parameters and further can include historical information, current information, and/or predicted information. Communicating the insurance rate adjustments provides for insurance visibility for both the operator and passengers of the vehicle. The insurance rate adjustment is communicated though a device located within a vehicle to enable perception by a vehicle occupant. | 05-27-2010 |
20100131307 | MONETIZATION OF PERFORMANCE INFORMATION OF AN INSURED VEHICLE - System(s) and methods(s) to monetize knowledge of operation characteristics of an insured entity are provided. A provider of insurance benefit(s) supplies knowledge of operation characteristics of an insured entity in exchange for a financial compensation. The knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Financial compensation also can be received through commercialization of resources to expose an agent linked to the insured entity to advertisement in addition to delivery of the knowledge of operation characteristics of the insured entity. The provider of insurance benefit(s) can exploit the financial compensation to afford, at least in part, incentives directed to discounted insurance benefit(s) or subsidized service(s). | 05-27-2010 |
20100131308 | INCENTIVIZED ADOPTION OF TIME-DEPENDENT INSURANCE BENEFITS - System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement. | 05-27-2010 |
20120259666 | INCENTIVIZED ADOPTION OF TIME-DEPENDENT INSURANCE BENEFITS - System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement. | 10-11-2012 |
20120277700 | OSTOMY DEVICE - The claimed subject matter relates to an ostomy seal applicator guide that facilitates application of the ostomy seal. The applicator can receive an absorbent material that can be employed during the seal application process to absorb moisture (e.g., waste matter seeping from the ostomy/stoma) from an ostomy, and facilitate maintaining clean, dry skin surrounding the ostomy so that the seal can be adhered to the patient's skin surrounding the ostomy area as well as properly align the seal to the ostomy area. | 11-01-2012 |
20120315924 | METHODS AND APPARATUS FOR LEAVING AND/OR DISCOVERING LOCALLY RELEVANT PIECES OF INFORMATION - Methods and apparatus for storing user generated information, e.g., reviews, comments, suggestions relevant to a particular geographic region, using local access nodes and/or facilitating discovery of the availability of the locally stored and locally relevant content through the use of peer-to-peer signals are described. In various embodiments, the locally stored and available content can be discovered when passing within range a local access point, storing the locally relevant user provided content. User generated information, in some embodiments, can be stored subject to user specified sharing restrictions. In various embodiments, users can limit the information they are provided by controlling profile setting and/or a setting used to control what information is provided as they move through a region. In some embodiments, user provided information distribution and/or access can be, and sometimes is, restricted based on group membership, user identity and/or interests. | 12-13-2012 |
20130297418 | INCENTIVIZED ADOPTION OF TIME-DEPENDENT INSURANCE BENEFITS - System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement. | 11-07-2013 |
20140088743 | AUDIO WEB-LINK CODES FOR ACCESSING MEDIA CONTENT - Systems and method for monitoring media content consumed by a user through employment of audio web-link codes (AWR codes) associated with respectively consumed media content, and accessing the consumed media content as well as supplemental information regarding the media content via the AWR codes. | 03-27-2014 |
20140100892 | INSURANCE VISIBILITY - Dynamic insurance rate adjustments are communicated to a vehicle operator in order to allow the vehicle operator to adjust various parameters before an actual change to an insurance rate is communicated to a service provider or trusted third party. The various parameters can be external parameters and/or internal parameters and further can include historical information, current information, and/or predicted information. Communicating the insurance rate adjustments provides for insurance visibility for both the operator and passengers of the vehicle. The insurance rate adjustment is communicated though a device located within a vehicle to enable perception by a vehicle occupant. | 04-10-2014 |