# US 10,504,188 B2 · Systems and methods using a mobile device to collect data for insurance premiums

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- Number: US 10,504,188 B2
- Document ID: US10504188B2
- Status: Granted
- Kind: B2
- Application number: 15/414,157
- Filed: 2017-01-24
- Published: 2017-05-11
- Granted: 2019-12-10
- Earliest claimed: 2011-06-29
- Assignees: State Farm Mutual Automobile Insurance Company
- Applicants: State Farm Insurance
- Inventors: Benjamin F. Bowne; Jufeng “James” Peng; Nicholas R. Baker; Duane Lee Marzinzik; Matthew Eric Riley; Nicholas U. Christopulos; Brian Mark Fields; J. Lynn Wilson; Bryan T. Wilkerson; David W. Thurber
- Web page: https://patentgrep.com/patent/US10504188B2

## CPC

- G06Q 40/08: Insurance
- B60W 40/09: Driving style or behaviour
- G01C 21/3676: {Overview of the route on the road map}
- G01C 21/3697: {Output of additional, non-guidance related information, e.g. low fuel level (G01C21/3679 takes precedence)}
- G01S 19/13: Receivers
- G06Q 10/0639: Performance analysis of employees; Performance analysis of enterprise or organisation operations
- G06Q 10/0833: Tracking
- G06Q 30/0283: Price estimation or determination
- G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
- G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)}
- G07C 5/08: Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
- G07C 5/0858: {wherein the data carrier is removable}
- H04W 4/026: {using orientation information, e.g. compass}
- H04W 4/40: for vehicles, e.g. vehicle-to-pedestrians [V2P]
- H04L 67/12: specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
- 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
- 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
- G01C: MEASURING DISTANCES, LEVELS OR BEARINGS; SURVEYING; NAVIGATION; GYROSCOPIC INSTRUMENTS; PHOTOGRAMMETRY OR VIDEOGRAMMETRY (measuring liquid level G01F; radio navigation, determining distance or velocity by use of propagation effects, e.g. Doppler effects, propagation time, of radio waves, analogous arrangements using other waves G01S)
- 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
- 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
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

## Claims

### Claim 1

A method for collecting and processing driving data by a mobile device of a user, the method comprising:
with the mobile device located inside a vehicle, collecting sensor data for determining an orientation of the mobile device relative to the vehicle, by a processor of the mobile device, from one or more sensors integrated in the mobile device;
determining, by the processor of the mobile device, an orientation of the mobile device relative to the vehicle based at least on the collected sensor data;
determining, by the processor of the mobile device, that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device;
in response to determining that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device, displaying an instruction or notification to the user, via a display device of the mobile device, for adjusting the orientation of the mobile device relative to the vehicle;
determining, by the processor of the mobile device, that an adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;
in response to determining that the adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device:
automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device; and
with the collection of driving data enabled by the processor of the mobile device, collecting, by the mobile device, driving data during a driving session by:
collecting sensor data for driving data from the one or more sensors integrated in the mobile device;
determining driving data regarding movements of the vehicle based at least on the collected sensor data, wherein determining driving data regarding movements of the vehicle comprises: detecting a change in the orientation of the mobile device relative to the vehicle; and correlating the change in the orientation of the mobile device relative to the vehicle as the driving data is determined; and
processing the determined driving data regarding movements of the vehicle comprises determining an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle.

### Claim 2 (depends on 1)

The method of claim 1, wherein processing the determined driving data regarding movements of the vehicle comprises for determining an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle and comprises at least one of:
analyzing, by the processor of the mobile device, the determined driving data regarding movements of the vehicle to determine an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle;
wirelessly transmitting, by the mobile device, the determined driving data regarding movements of the vehicle to a remote computer for calculating an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle; and
analyzing, by the processor of the mobile device, the determined driving data regarding movements of the vehicle to calculate driving metrics based at least on the determined driving data regarding movements of the vehicle, and wirelessly transmitting, by the mobile device, the calculated driving metrics to a remote computer for calculating an insurance premium based on the transmitted driving metrics.

### Claim 3 (depends on 2)

The method of claim 2, wherein determining an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle comprises identifying driving data that indicates higher property or casualty insurance risk.

### Claim 4 (depends on 1)

The method of claim 1, further comprising, in response to determining that the adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device, displaying a notification to the user, via the display device of the mobile device, indicating that the adjusted orientation of the mobile device is suitable for the collection of driving data by the mobile device or that collection of driving data by the mobile device is enabled.

### Claim 5 (depends on 1)

The method of claim 1, wherein said mobile device is a device selected from smartphone, cell phone, mobile telephone, personal digital assistant (PDA), laptop computer, and tablet-style computer.

### Claim 6 (depends on 1)

The method of claim 1, wherein collecting driving data comprises determining a characteristic of the mobile device selected from distance traveled, location, time, and g-force dynamics based on the collected sensor data.

### Claim 7 (depends on 1)

The method of claim 1, further comprising:
collecting driving data via the mobile device during the driving session; and
transmitting the driving data from the mobile device to a remote processing computer.

### Claim 8 (depends on 1)

The method of claim 1, further comprising, after automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device, automatically beginning to collect driving data in response to a triggering event selected from vehicle engine start, threshold vehicle engine RPM, and movement of the vehicle.

### Claim 9 (depends on 1)

The method of claim 1, further comprising automatically stopping the collection of driving data in response to a triggering event selected from vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility.

### Claim 10

A method for collecting and processing driving data by a mobile device of a user, the method comprising:
with the mobile device located inside a vehicle, collecting sensor data for determining an orientation of the mobile device relative to the vehicle, by a processor of the mobile device, sensor data from one or more sensors integrated in the mobile device;
determining, by the processor of the mobile device, an orientation of the mobile device relative to the vehicle based at least on the collected sensor data;
determining, by the processor of the mobile device, whether or not the determined orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;
in response to determining that the determined orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device:
automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device; and
with the collection of driving data enabled by the processor of the mobile device, collecting, by the mobile device, driving data during a driving session by:
collecting sensor data for driving data from the one or more sensors integrated in the mobile device;
determining driving data regarding movements of the vehicle based at least on the collected sensor data, wherein determining driving data regarding movements of the vehicle comprises: detecting a change in the orientation of the mobile device relative to the vehicle; and correlating the change in the orientation of the mobile device relative to the vehicle as the driving data is determined; and
processing the determined driving data regarding movements of the vehicle comprises determining an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle.

### Claim 11 (depends on 10)

The method of claim 10, wherein processing the determined driving data regarding movements of the vehicle for determining an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle comprises at least one of:
analyzing, by the processor of the mobile device, the determined driving data regarding movements of the vehicle to determine an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle;
wirelessly transmitting, by the mobile device, the determined driving data regarding movements of the vehicle to a remote computer for calculating an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle; and
analyzing, by the processor of the mobile device, the determined driving data regarding movements of the vehicle to calculate driving metrics based at least on the determined driving data regarding movements of the vehicle, and wirelessly transmitting, by the mobile device, the calculated driving metrics to a remote computer for calculating an insurance premium based on the transmitted driving metrics.

### Claim 12 (depends on 10)

The method of claim 10, wherein said mobile device is a device selected from smartphone, cell phone, mobile telephone, personal digital assistant (PDA), laptop computer, and tablet-style computer.

### Claim 13 (depends on 10)

The method of claim 10, wherein collecting driving data comprises determining a characteristic of the mobile device selected from distance traveled, location, time, and g-force dynamics based on the collected sensor data.

### Claim 14 (depends on 10)

The method of claim 10, further comprising, after automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device, automatically beginning to collect driving data in response to a triggering event selected from vehicle engine start, threshold vehicle engine RPM, and movement of the vehicle.

### Claim 15 (depends on 10)

The method of claim 10, further comprising automatically stopping the collection of driving data in response to a triggering event selected from vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility.