System and method for vehicular tracking
AssigneeUnited Services Automobile Association (USAA)
InventorsYevgeniy Viatcheslavovich Khmelev, Susan Elizabeth Wright, David M. Jones, Jr., Michael Anthony Miller
Life of this patent
Estimating the term…
Abstract
Disclosed are systems and methods for supporting a vehicle lending services platform. Specifically, machine learning is applied to identify and accumulate data from electronic services. The machine learning is further used to identify risk associated with a potential lend of a vehicle. The identified risk is presented as part of a browser plugin graphical user interface (GUI) and/or inline with portions of a portal GUI of the vehicle lending services platform.
Claims15
A tangible, non-transitory, computer-readable medium, comprising computer-readable instructions that, when executed by one or more processors of a computer, cause the computer to:
- request a risk assessment of a potential lend of a vehicle facilitated by a vehicle lending services platform, the request electronically generated in response to an indication of generation of the potential lend by the vehicle lending services platform;
- receive the risk assessment of the potential lend of the vehicle in response to the request, the risk assessment generated by:
- querying for and accumulate data relevant to the potential lend from one or more electronic services;
- and
- performing machine learning on the accumulated data to identify patterns in the accumulated data indicative of risk;
- and
- generating a risk score for the potential lend based upon the identified patterns;
- identify one or more capabilities of the vehicle indicating that one or more mitigation features are customizable for the vehicle;
- determine the one or more risk mitigation features to modify based upon the one or more capabilities of the vehicle, wherein the one or more risk mitigation features of the vehicle to be modified comprise altering a sensitivity of lane departure detection, governing a maximum speed of the vehicle, or both;
- and
- generate and provide, to the vehicle, via communications circuitry of the vehicle, one or more configuration update commands that cause modification of the one or more risk mitigation features of the vehicle to modify, based upon the risk assessment.
A system, comprising:
- a vehicle lending services platform, comprising first computer-readable instructions stored by a first tangible, non-transitory, computer-readable medium, the first computer-readable instructions implemented by a first computer processor, to:
- facilitate lending of a vehicle by a lender to a lendee;
- generate a potential lend based upon a user request interaction on the vehicle lending services platform;
- and
- in response to generating the potential lend of the vehicle, request a risk assessment of the potential lend of the vehicle;
- and
- lender support services comprising second computer-readable instructions stored by a second tangible, non-transitory computer-readable medium, the second computer-readable instructions implemented by a second computer processor, to:
- receive the request for the risk assessment of the potential lend of the vehicle facilitated by the vehicle lending services platform;
- in response to receiving the request:
- query for and accumulate data relevant to the potential lend from one or more electronic services;
- and
- perform machine learning on the accumulated data, identifying patterns in the accumulated data indicative of risk;
- and
- generate a risk score for the potential lend based upon the identified patterns;
- identify one or more capabilities of the vehicle indicating that one or more mitigation features are customizable for the vehicle;
- determine the one or more risk mitigation features to modify based upon the one or more capabilities of the vehicle, wherein the one or more risk mitigation features of the vehicle to be modified comprise altering a sensitivity of lane departure detection, governing a maximum speed of the vehicle, or both;
- and
- vehicle control circuitry, configured to generate and provide, to the vehicle, via communications circuitry of the vehicle, one or more configuration update commands that cause modification of the one or more risk mitigation features of the vehicle to modify based upon the risk assessment.
Dependencies are inferred from the claim text.