46results about How to "Reduce the cost of insurance" patented technology

Systems, methods, and devices for controlling and limiting use of functions, such as calling, texting, chatting, emailing, Internet surfing, and similar applications, on a mobile device when the mobile device is in a moving vehicle, includes use of an on-board computer installed within the vehicle, a transmitter in electronic communication with the on-board computer that periodically transmits speed data of the vehicle to a receiver installed on the mobile device, wherein the mobile device includes suitable software and a rules-based policy that define and control when and which functions of the mobile device are disabled or interrupted by the software when the vehicle is in motion above a minimum threshold speed. Policies are set by default but may be customized for particular individuals, devices, or circumstances. Policies may also be customized for particular groups or subgroups of employees or contractors for company or legal compliance to reduce distracted driving.

A security system for recording information outside a vehicle and delivering such information to a remote location includes a plurality of cameras mounted within a housing with radial lines of sight for providing a panoramic view of the surroundings. The present invention further includes a communication mechanism for transmitting an image to a remote location. A user interface includes one of a hand-operable video phone, personal computer and cellcorder. The present invention further includes an image stabilizing mechanism for maintaining the lines of sight along a linear path. The image stabilizing mechanism is secured to the housing and cameras. Such an image stabilizing mechanism includes a housing that has a motor, a gyro, and a helical spring member, which provide support as the vehicle is in motion.

A method and apparatus for determining an incremental cost of insurance for the operation of a motor vehicle and billing the same to an operator of the vehicle. The system uses an internal system for determining one or more operational factors associated with the vehicle, such as its geographic location, speed, acceleration, etc, in at least near real time, and recording the information in a database. From this information incremental insurance cost information is determined relating to the cost of insuring the vehicle for a predetermined time during, for example one day. The insurance cost information is transmitted to a contracting company, which may comprise an underwriting company responsible for providing the insurance coverage for the vehicle. The invention makes it possible for an operator to better gauge how driving habits and / or usage of the vehicle affect the cost of the insurance, as well as providing insurance companies with near real time information from which even more accurate determinations of risk can be made, and insurance costs to the operator adjusted accordingly.

Systems and methods for the capture, analysis, and reporting of risky driver behavior are provided in combination with coaching of individual drivers to improve driver performance. The system comprises an event capture device that records both audio and video of an event. The event data, which includes the audio, video, and other related information, is provided to an evaluation server where it is then analyzed and scored and compiled with other event data. Event data can be compiled for individual drivers, groups of drivers, and the entire universe of drivers for an organization. The evaluation server provides managers, supervisors, and executives with access to reports including granular information about risky behavior and trends related to individual drivers, groups of drivers, or the entire universe of drivers for the organization. Additionally, the evaluation server provides coaching sessions for drivers (with or without their supervisors) to demonstrate to the driver with audio, video, and other related information (e.g., speed) how the event occurred and improved ways to avoid such an event in the future. In this fashion, driver improvement is achieved and insurance costs may be reduced for the organization.

Embodiments of the present invention delineate systems and methods for dynamically assessing and mitigating risk of an insured entity. An entity that provides insurance may, in various embodiments, use applications installed on mobile devices to monitor information that may reduce or mitigate fraudulent insurance claims. Additional embodiments of the present invention delineate systems and methods for providing a user of a mobile device with information relevant to a position of a mobile device, wherein such information may describe one of a risk and an opportunity within a predetermined distance of a location for the mobile device.

A system for creating a coaching session comprises one or more processors and one or more memories. The one or more processors are in communication with the event detector and configured to: receive data of a driving event from an event detector associated with a vehicle; analyze the driving event data to identify risky driving behavior; and create a coaching session in order to reduce the identified risky driving behavior. The coaching session incorporates at least a portion of the data of the driving event. The one or more memories are coupled to the one or more processors and configured to provide the one or more processors instructions.

A method and apparatus for determining an incremental cost of insurance for the operation of a motor vehicle and billing the same to an operator of the vehicle. The system uses an internal system for determining one or more operational factors associated with the vehicle, such as its geographic location, speed, acceleration, etc, in at least near real time, and recording the information in a database. From this information incremental insurance cost information is determined relating to the cost of insuring the vehicle for a predetermined time during, for example one day. The insurance cost information is transmitted to a contracting company, which may comprise an underwriting company responsible for providing the insurance coverage for the vehicle. The invention makes it possible for an operator to better gauge how driving habits and / or usage of the vehicle affect the cost of the insurance, as well as providing insurance companies with near real time information from which even more accurate determinations of risk can be made, and insurance costs to the operator adjusted accordingly.

Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and / or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.

An autopilot system includes a navigation application for computing angular position and angular turn rate of a pilot line and an autopilot steering application for calculating steering commands for a ship steering device. The pilot line provides directional guidance to a ship and is a vector having one end attached to a point on the ship and a second end pointing to a desired direction. The autopilot steering application receives the computed pilot line angular position and angular turn rate and calculates angular position steering commands for the steering device. The steering commands are calculated by taking into account the difference between the pilot line angular position and the ship's angular position and the difference between the pilot line angular turn rate and the ship's angular turn rate.

This invention relates to a cushioned floor covering article wherein the mat includes a tufted carpet placed on the top side of a foam rubber sheet and at least one foam rubber protrusion integrated within at least a portion of the bottom side of the foam rubber sheet. Such an article provides effective removal of moisture, dirt, and debris from the footwear of pedestrians through the utilization of a carpet pile component. Furthermore, the utilization of a foam rubber backing also allows for either periodic heavy duty industrial-scale laundering in such standard washing machines or periodic washing and drying in standard in-home machines, both without appreciably damaging the inventive floor covering article, such as a floor mat. Additionally, the presence of integrated foam rubber protrusions within the mat structure provides an effective cushioning effect for pedestrian comfort as well as a means to prevent slippage of the article from its contacted surface. A method of producing such an inventive cushioned floor covering article is also provided.

The invention relates to a construction method for an urban disaster prevention and fighting informationalized rescue command comprehensive intelligent platform. The method organically integrates the telemetry and remote-sensing devices for video monitoring and fire detection and alarm, the CHINANET, and the acoustic and optical analysis and data transmission techniques. Through the establishment of a local area network which is connected with the CHINANET and is specialized in disaster prevention and rescue handling, the platform realizes the real-time acquisition of a great amount of disaster area information (including the information about the disaster occurrence process) in a most economical mode within the shortest time, shares the real-time information with related experts and technical staff for analysis and treatment in a safe mode, and provides a brand-new informationalized solution for the disaster cause analysis, process recording and rescue handling. The invention also provides a practical solution for the wider practical and daily application of the system. Simultaneously, the method related to data acquisition and processing also breaks an inherent data source, acquisition and transmission mode of the optical analysis.

A computerized method and apparatus are provided for reducing insurance costs for a drug to an insurer. The method includes the steps of determining a price of the drug from a plurality of pharmacies, the consumer purchasing the drug from a selected pharmacy with a lower relative price of the plurality of pharmacies and the consumer paying a co-pay based upon a pre-determined percentage of the price of the drug.

In some implementations, a self-selected insurance pool can be created. A group organizer and / or member of the insurance pool can invite friends, relatives and / or other contacts to join the self-selected insurance pool. Invitations can be sent using electronic mechanisms, including email, instant messaging, text messaging, etc. Invitees can be identified and selected from a member's address book or from contacts on a social media website. In some implementations, once the insurance pool has been created, members of the pool can monitor the activities of members of the group and receive notifications of events generated by other members. Members of the pool can view their own statistics as compared to other members of the group. Members can initiate a review of another member to determine if the member has been abusing or excessively using the insurance of the pool and initiate proceedings to remove the abusing member from the pool.

The present invention pertains in general to a system, method and apparatus to track a user's interaction with a workstation surrounding the sensing of user presence, user orientation workstation height for association with an identified user and providing notifications to the user for the purposes of recommending standing or seated user orientation as directed by system analysis and allowing access and tacking of such tracking and notifications by users, employers or other predetermined third-parties.

The present invention is a method and system for providing reduced insurance premiums to an insured entity and a reduced risk of loss to an insuring entity. A program containing certain program requirements for the insured entity is created, and procedures are designed for the insured entity to meet these predetermined program requirements. The proximity in meeting these program requirements are monitored and then communicated to an interested third party, such as the insurer. Thus, the present invention by monitoring the insured entity, and communicating information relating to the insured entity to the insuring entity, allows the insuring entity to reduce the insurance costs to the insured entity if such monitoring results in favorable information for the insurer.

In a highway tractor trailer vehicle, a brake control sensor is operative to detect each activation of the manual trailer brake control, and a recorder receives and stores data comprising a speed of the tractor at each manual trailer brake control activation. Trailer brake wear is reduced by penalizing an operator of the tractor for each unauthorized activation of the manual trailer brake control. Testing of the connection of the tractor to the trailer is encouraged by tracking the activation of the manual trailer brake control and penalizing the operator for failure to test the connection.

A business method is described comprising doctorless testing, diagnosis, and treatment of patient diagnosed health maladies. Antithetical to the current regulatory and general public healthcare practices, in the doctorless method the patient has the equivalent of a clinical laboratory and physician's clinic at home. The herein disclosed microscope, blood tests, and physiological monitoring are patient selected, patient interpreted, and acted upon by the patient without physician support. The invention herein disclosed is a multi-element bundled comprehensive solution that lowers yearly primary healthcare costs to that of a cell phone, and will be purchased at retail stores such as Wal-Mart.

Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and / or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.

A payment system for active management and payment of group expenses incurred for services or casualty losses by a group comprising a plurality of end users. The system includes a main server with databases and operational modules; a plurality of remote user stations located remotely to the main server and associated with the plurality of end users of the payment system; a communication interface operatively connecting the remote user stations to the main server for providing operational controls by the end users over the payment system. The operational modules include: a customer interface module; an expense calculator module, configured to calculate members expenses incurred during a prior calculation period; a next period premium calculator module configured to calculate a next payment for said end users, a next premium notification module; and an automatic payment withdrawal module configured to automatically withdraw the next payment from accounts of the end users.

In a highway tractor trailer vehicle, a brake control sensor is operative to detect each activation of the manual trailer brake control, and a recorder receives and stores data comprising a speed of the tractor at each manual trailer brake control activation. Trailer brake wear is reduced by penalizing an operator of the tractor for each unauthorized activation of the manual trailer brake control. Testing of the connection of the tractor to the trailer is encouraged by tracking the activation of the manual trailer brake control and penalizing the operator for failure to test the connection.

The invention discloses a system and a method for autonomously guaranteeing a power supply device. The system comprises: an AC / DC unit, a DC / DC unit, a display indication unit, a computer unit, an I / Ocontrol unit, a signal collection unit, an electronic load unit, and a front panel comprising an indicator lamp; the AC / DC unit is used for DC conversion and providing a DC power supply for other components according to requirements; the DC / DC unit provides two paths, namely, a and b, of independent and continuously tuneable DC power supplies for the power supply device; the computer unit calls the I / O control unit control the on / off of the indicator lamp of the front panel of the power supply device, control the access / disconnection of the electronic load unit and to perform micro continuoustuneable control on the two paths of power supplies and power supply voltage values of the DC / DC unit, and calls the signal collection unit to collect voltage and current signals of the power supplydevice, the electronic load unit and the DC / DC unit; the display indication unit performs image display according to a display signal from the computer unit; and the electronic load unit dynamically adjusts a load current value according to preset parameters.

The invention discloses a shared camera device platform system and an operation method thereof. The system comprises a shared camera shooting platform client, a camera shooting device and a shared camera shooting platform server, and the shared camera shooting platform client is used for being installed on a mobile intelligent terminal of a lessee and / or a lessee, publishing leasing information through the client, and setting the camera shooting device and watching image record information. The camera device is used for the lessee to carry out image recording on the safety and integrity of thecorresponding article in the service space when the lessee uses the service personnel to provide the service, and transmitting the recorded image information to the shared camera platform client in real time. And the shared camera shooting platform server is used for receiving, publishing and matching the related information of the lessee and / or the lessee of the camera shooting device, and sending instruction information to assist in completing the leasing and / or the leasing behavior. According to the invention, the user can rent and / or rent the camera device, so that idle resources are effectively utilized, and convenience is provided for the user.

The present invention relates to an apparatus for automatically managing the ballast water of a dual-hulled ship and, more specifically, to an apparatus for automatically managing the ballast water of a ship, the apparatus dividing the structure of an integrated ballast water tank into ballast water tanks of a multi-layered structure, and filling each ballast water tank with seawater, so as to perform the original function thereof of maintaining the water-line by means of the ballast water, and having a structure and a device so as to utilize the seawater, used as cooling water, residential water, water for miscellaneous use, and the like, as the seawater of the ballast water tanks, thereby integrally managing the usage of the seawater of the ship, and continuously and successively changing the seawater of the ballast water tanks while the ship is sailing.

The invention discloses frequency spectrum monitoring and wireless networking test equipment, which comprises an antenna, a preselector module, a frequency conversion processing module, a frequency synthesizer module, a digital processing module and a main controller. The main controller is connected with the preselector module, the frequency conversion processing module and the digital processingmodule through buses. The antenna is connected with the preselector module, the preselector module is connected with the frequency conversion processing module, and the frequency conversion processing module is connected with the digital processing module. The antenna receives the signal and sends the signal to the preselector module, and the preselector module carries out selective filtering andamplification processing on the signal. The preselector module sends the signal subjected to selective filtering and amplification processing to the frequency conversion processing module for frequency conversion processing to obtain an intermediate frequency signal, and the intermediate frequency signal is filtered and then sent to the digital processing module for signal identification and measurement and then sent to the main controller. The frequency synthesizer module is used for providing a local oscillator signal for frequency mixing for the frequency conversion processing module. According to the invention, electromagnetic radiation can be monitored, identified, judged, predicted and perceived.

The invention provides a universal rotation speed source for an aircraft engine. The universal rotation speed source comprises a brushless direct current motor, a speed increasing device, a rotation speed controller, a rotation speed measuring device, a transition connecting device and a rotation speed display device. The rotation speed controller is composed of a motor control driver, a photoelectric code disc speed measuring mechanism, an external speed setting device and a data setting device. The rotation speed controller is connected with the brushless direct current motor through a cable so as to control the rotation speed and the rotation direction of the brushless direct current motor. The brushless direct current motor is arranged on the main rotating shaft of the speed increasing device. The output shaft of the speed increasing device is driven by a belt wheel transmission mechanism, so that the transformation of the rotation speed is realized. The output shaft of the speed increasing device is connected with the rotation speed measuring device. The rotation speed measuring device is simultaneously connected with the rotation speed controller and the rotation speed display device through cables. On one hand, the actual rotation speed of the output shaft of the speed increasing device is fed back to the rotation speed controller, so that the rotation speed adjustment of the rotation speed controller is facilitated. On the other hand, the actual rotation speed of the output shaft of the speed increasing device is displayed in real time through the rotation speed display device.