Christopher E Gay

US Patent:

20100088123, Apr 8, 2010

Filed:

Feb 3, 2009

Appl. No.:

12/365047

Inventors:

Thomas A. McCall - Frisco TX, US
William D. Bryant - Mount Pleasant SC, US
John W.S. Riney - Ladson SC, US
Christopher E. Gay - Dallas TX, US

International Classification:

G06Q 40/00
G06F 17/30
G06Q 50/00

US Classification:

705 4, 707E17001

Abstract:

A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.

US Patent:

20220374998, Nov 24, 2022

Filed:

Aug 2, 2022

Appl. No.:

17/879518

Inventors:

- Bloomington IL, US
William D. Bryant - Mount Pleasant SC, US
John W.S. Riney - Landon SC, US
Christopher E. Gay - Dallas TX, US

International Classification:

G06Q 40/08
G06Q 30/02
G06Q 20/32

Abstract:

A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.

US Patent:

20220215479, Jul 7, 2022

Filed:

Mar 23, 2022

Appl. No.:

17/701829

Inventors:

- Bloomington IL, US
Gregory Hayward - Bloomington IL, US
Christopher E. Gay - Dallas TX, US
Steven Cielocha - Bloomington IL, US
Todd Binion - Bloomington IL, US

International Classification:

G06Q 40/08
G06Q 40/00
G07C 5/00

Abstract:

Computer-implemented methods, servers, and tangible, non-transitory computer-readable media storing instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle may be may be described. The computer-implemented methods, servers, and instructions may include receiving a coverage type for the customer vehicle, causing usage data corresponding to the coverage type to be tracked, receiving the usage data, generating the new insurance policy quotes corresponding to the coverage type based upon at least the usage data, and causing the new insurance policy quotes to be displayed.

US Patent:

20210312565, Oct 7, 2021

Filed:

Jun 18, 2021

Appl. No.:

17/351662

Inventors:

- Bloomington IL, US
Steven Cielocha - Bloomington IL, US
Scott Thomas Christensen - Salem OR, US
Gregory Hayward - Bloomington IL, US
Christopher E. Gay - Dallas TX, US

International Classification:

G06Q 40/08
B60Q 1/00
G06Q 40/00
B60R 25/20
G07C 5/00
H04W 4/40
G08G 1/0968
G06Q 10/06
G06Q 30/02
B60C 1/00

Abstract:

A computer implemented method for providing insurance comprises receiving a plurality of vehicle data including a start point, an end point and a frequency value. The method further comprises analyzing the plurality of vehicle data to determine a driving route associated with the vehicle. The method also comprises determining, based on the frequency value, that the driving route is a common driving route and a risk level of the common driving route. The method further comprises processing one or more insurance options, including pricing and underwriting, based at least in part on the risk level of the common driving route.

US Patent:

20140310028, Oct 16, 2014

Filed:

Jun 25, 2014

Appl. No.:

14/314822

Inventors:

- Bloomington IL, US
Christopher E. Gay - Dallas TX, US
Gregory Hayward - Bloomington IL, US
Steven C. Cielocha - Bloomington IL, US
Todd Binion - Bloomington IL, US

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

Methods and systems for leveraging a plurality of sensor devices distributed in a geographical area to monitor vehicle usage for assessing, pricing, and provisioning distance-based vehicle insurance. One or more sensor devices may capture information associated with a vehicle and communicate the information to an insurance provider. In aspects, the insurance provider may analyze the information to determine a distance that the vehicle travels within a particular time period. Further, the insurance provider may determine a vehicle usage unit based on the distance traveled as well as provide various insurance coverage types to a customer associated with the vehicle. Based on a selected coverage type, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle usage units and may facilitate a purchase transaction with the customer for the insurance policy.

US Patent:

20140257868, Sep 11, 2014

Filed:

Mar 10, 2014

Appl. No.:

14/203115

Inventors:

- Bloomington IL, US
Scott T. Christensen - Gibson City IL, US
Christopher E. Gay - Dallas TX, US
Steven Cielocha - Bloomington IL, US
Todd Binion - Bloomington IL, US

Assignee:

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY - Bloomington IL

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

Methods and systems for administering acuity assessments to customers who request vehicle insurance policies, and offering insurance policies based on customers' performances on the acuity assessments. In aspects, the vehicle insurance policies can cover various uses of the vehicle, where the policies may be distance- or time-based. The customer requests a vehicle insurance policy and an insurance provider provides a relevant acuity assessment to the customer for completion. The customer performs the acuity assessment and sends corresponding results, and the insurance provider determines the customer's performance. Based at least in part on the customer's performance, the insurance provider generates an insurance quote, which the customer may purchase.

US Patent:

20140257869, Sep 11, 2014

Filed:

Mar 10, 2014

Appl. No.:

14/203143

Inventors:

- Bloomington IL, US
Steven Cielocha - Bloomington IL, US
Scott Thomas Christensen - Bloomington IL, US
Gregory Hayward - Bloomington IL, US
Christopher E. Gay - Dallas TX, US

Assignee:

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY - Bloomington IL

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

A computer implemented method for providing insurance comprises receiving a plurality of vehicle data including a start point, an end point and a frequency value. The method further comprises analyzing the plurality of vehicle data to determine a driving route associated with the vehicle. The method also comprises determining, based on the frequency value, that the driving route is a common driving route and a risk level of the common driving route. The method further comprises processing one or more insurance options, including pricing and underwriting, based at least in part on the risk level of the common driving route.

US Patent:

20140257870, Sep 11, 2014

Filed:

Mar 10, 2014

Appl. No.:

14/203210

Inventors:

- Bloomington IL, US
Todd Binion - Bloomington IL, US
Scott Thomas Christensen - Bloomington IL, US
Gregory Hayward - Bloomington IL, US
Christopher E. Gay - Dallas TX, US

Assignee:

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY - Bloomington IL

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

A computer implemented method for providing insurance receives vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors. The method also analyzes the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component. The method further determines that the driving pattern indicates a change in the rating and adjusts the rating data component. The method further processes one or more insurance options based at least in part on the changed rating.