Systems and methods to quantify and differentiate individual insurance risk actual driving behavior and driving environment
AssigneeState Farm Mutual Automobile Insurance Company
InventorsTodd Binion, Andrea Lee Rhoades
Life of this patent
Estimating the term…
Abstract
The present disclosure generally relates to systems and methods for generating data representative of an individual's insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.
Claims20
A computer implemented method, comprising:
- receiving, at a processor of a computing device from a user of a client device via a user interface of the client device, a selection of what vehicle sensor data to collect, and a selection of what driver environment data to collect;
- receiving, at the processor of the computing device, vehicle sensor data from at least one vehicle sensor, based on the selection, by the user via the user interface display of the client device, of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of a vehicle;
- receiving, at the processor of the computing device, driver environment data from at least one sensor, wherein the driver environment data is representative of at least one of:
- a position of a driver-side seat or a position of a passenger-side seat;
- determining, using the processor of the computing device, a real-time operating environment of the driver based on the received vehicle sensor data and the received driver environment data;
- generating, using the processor of the computing device, at least one of:
- driver warning data or driver advisory data based on the determined real-time operating environment;
- and
- transmitting, using the processor of the computing device, at least one of:
- the driver warning data or the driver advisory data, to the processor of the client device to be displayed to the driver via the user interface of the client device.
A computer system for determining a real-time operating environment of a vehicle driver, the system comprising:
- at least one computing device having a processor and a memory storing computer-readable instructions that, when executed by the processor, cause the processor to:
- receive vehicle sensor data from at least one vehicle sensor, based on a selection, by a user via a user interface display of a client device, of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of a vehicle;
- receive driver environment data from at least one sensor, wherein the driver environment data is representative of at least one of:
- a position of a driver-side seat or a position of a passenger-side seat;
- determine a real-time operating environment of the driver based on the received vehicle sensor data and the received driver environment data;
- generate at least one of:
- driver warning data or driver advisory data based on the determined real-time operating environment;
- and
- transmit at least one of:
- the driver warning data or the driver advisory data, to the processor of the client device to be displayed to the driver via the user interface of the client device.
A non-transitory, computer-readable medium storing instructions that, when executed by a processor of a computer system, cause the processor to:
- receive vehicle sensor data from at least one vehicle sensor, based on the selection, by a user via a user interface display of a client device, of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of the vehicle;
- receive driver environment data from at least one sensor, wherein the driver environment data is representative of at least one of:
- a position of a driver-side seat or a position of a passenger-side seat;
- determine a real-time operating environment of the driver based on the received vehicle sensor data and the received driver environment data;
- generate at least one of:
- driver warning data or driver advisory data based on the determined real-time operating environment;
- and
- transmit at least one of:
- the driver warning data or the driver advisory data, to the processor of the client device, to be displayed to the driver via the user interface of the client device.
Dependencies are inferred from the claim text.