Back to results
US 10,853,881 B1Granted
Method and system for providing trip-based passenger insurance in autonomous vehicles
AssigneeState Farm Mutual Automobile Insurance Company
InventorsThomas Edward LaBarre, Timothy Joel Davis
Life of this patent
Estimating the term…
Abstract
A method and system may provide trip-based passenger insurance for autonomous vehicles. A server device may receive vehicle identification information for an autonomous vehicle that is providing transportation services for a user on a vehicle trip. Based on the vehicle identification information, the server device may transmit trip-based passenger insurance premiums to the user. When the user selects one of the trip-based passenger insurance premiums, the server device may provide a passenger insurance policy for the vehicle trip to the user.
Claims13
A computer-implemented method for providing trip-based passenger insurance in an autonomous vehicle having one or more autonomous operation features for driving the autonomous vehicle, the method executed by one or more processors programmed to perform the method, the method comprising:
- receiving, at one or more processors from a mobile device of a user, vehicle identification information for an autonomous vehicle having one or more autonomous operation features for driving the autonomous vehicle, wherein the autonomous vehicle provides transportation services for the user on a vehicle trip, including receiving an image of at least a portion of the autonomous vehicle captured by a camera included in the mobile device;
- determining, by the one or more processors, one or more characteristics of the autonomous vehicle based on the vehicle identification information, the one or more characteristics including at least one of:
- a type and version of the autonomous operation feature, an operation of the autonomous operation feature, a type and version of autonomous operation feature control software, or settings of the autonomous operation feature;
- determining, by the one or more processors, one or more passenger insurance premiums for insuring the user during the vehicle trip based on the one or more characteristics of the autonomous vehicle, wherein each of the one or more passenger insurance premiums includes a cost per vehicle usage unit;
- receiving, at the one or more processors, a selection by the user of at least one of the one or more passenger insurance premiums;
- receiving, at the one or more processors, payment information for a cost associated with passenger insurance from the vehicle trip including:
- receiving, at the one or more processors, sensor data from one or more sensors in the autonomous vehicle or the mobile device of the user;
- determining, by the one or more processors, vehicle trip information based on the sensor data;
- and
- determining, by the one or more processors, the cost associated with passenger insurance for the vehicle trip based on the vehicle trip information and the selected at least one passenger insurance premium;
- and
- in response to receiving the payment information, transmitting, by the one or more processors, a passenger insurance policy to the user based on the selected at least one passenger insurance premium.
9 more elements
A system for providing trip-based passenger insurance in an autonomous vehicle having one or more autonomous operation features for driving the autonomous vehicle, the system comprising:
- a communication network;
- one or more processors communicatively coupled to the communication network;
- and
- a non-transitory computer-readable memory coupled to the one or more processors and storing thereon instructions that, when executed by the one or more processors, cause the system to:
- receive, via the communication network from a mobile device of a user, vehicle identification information for an autonomous vehicle having one or more autonomous operation features for driving the autonomous vehicle, wherein the autonomous vehicle provides transportation services for the user on a vehicle trip, including receive an image of at least a portion of the autonomous vehicle captured by a camera included in the mobile device,
- determine one or more characteristics of the autonomous vehicle based on the vehicle identification information, the one or more characteristics including at least one of:
- a type and version of the autonomous operation feature, an operation of the autonomous operation feature, a type and version of autonomous operation feature control software, or settings of the autonomous operation feature,
- determine one or more passenger insurance premiums for insuring the user during the vehicle trip based on the one or more characteristics of the autonomous vehicle, wherein each of the one or more passenger insurance premiums includes a cost per vehicle usage unit,
- receive, via the communication network, a selection by the user of at least one of the one or more passenger insurance premiums,
- receive, via the communication network, payment information for a cost associated with passenger insurance from the vehicle trip including:
- receive sensor data from one or more sensors in the autonomous vehicle or the mobile device of the user;
- determine vehicle trip information based on the sensor data;
- and
- determine the cost associated with passenger insurance for the vehicle trip based on the vehicle trip information and the selected at least one passenger insurance premium, and
- in response to receiving the payment information, transmit, via the communication network, an insurance policy to the user based on the selected at least one passenger insurance premium.
12 more elements
A mobile payment device removably attached to an autonomous vehicle having one or more autonomous operation features for driving the autonomous vehicle, the mobile payment device comprising:
- a user interface;
- a communication network;
- one or more processors communicatively coupled to the communication network and the user interface;
- and
- a non-transitory computer-readable memory coupled to the one or more processors and storing thereon instructions that, when executed by the one or more processors, cause the mobile payment device to:
- obtain vehicle identification information for an autonomous vehicle having the mobile payment device removably attached, wherein the vehicle includes one or more autonomous operation features for driving the autonomous vehicle and the autonomous vehicle provides transportation services for a user on a vehicle trip,
- transmit, via the communication network, the obtained vehicle identification information to a server computing device,
- receive, via the communication network from the server computing device, the one or more passenger insurance premiums for insuring the user during the vehicle trip, wherein the server device determines the one or more passenger insurance premiums by:
- determining one or more characteristics of the autonomous vehicle based on the vehicle identification information, the one or more characteristics including at least one of:
- a type and version of the autonomous operation feature, an operation of the autonomous operation feature, a type and version of autonomous operation feature control software, or settings of the autonomous operation feature, and
- determining the one or more passenger insurance premiums based on the one or more characteristics of the autonomous vehicle,
- display, on the user interface, one or more passenger insurance premiums for insuring the user during the vehicle trip, wherein each of the one or more passenger insurance premiums includes a cost per vehicle usage unit,
- receive, via one or more user controls on the user interface, a selection by the user of at least one of the one or more passenger insurance premiums,
- obtain payment information for a cost associated with passenger insurance from the vehicle trip including:
- receive sensor data from one or more sensors in the autonomous vehicle or a mobile device of the user;
- determine vehicle trip information based on the sensor data;
- and
- determine the cost associated with passenger insurance for the vehicle trip based on the vehicle trip information and the selected at least one passenger insurance premium, and
- in response to obtaining the payment information, generate an insurance policy for the user based on the selected at least one passenger insurance premium.
16 more elements
Dependencies are inferred from the claim text.