# US 12,002,104 B2 · Dynamic auto insurance policy quote creation based on tracked user data

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- Number: US 12,002,104 B2
- Document ID: US12002104B2
- Status: Granted
- Kind: B2
- Application number: 17/701,829
- Filed: 2022-03-23
- Published: 2022-07-07
- Granted: 2024-06-04
- Earliest claimed: 2013-03-10
- Assignees: State Farm Mutual Automobile Insurance Company
- Applicants: State Farm Mutual Automobile Insurance Company
- Inventors: Scott T. Christensen; Gregory Hayward; Christopher E. Gay; Steven Cielocha; Todd Binion
- Web page: https://patentgrep.com/patent/US12002104B2

## CPC

- G06Q 40/08: Insurance
- B60C 1/00: Tyres characterised by the chemical composition or the physical arrangement or mixture of the composition
- B60Q 1/00: Arrangement of optical signalling or lighting devices, the mounting or supporting thereof or circuits therefor (for lighting vehicle interior B60Q3/00)
- B60R 25/20: Means to switch the anti-theft system on or off
- G06Q 10/0635: Risk analysis of enterprise or organisation activities
- G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates
- G06Q 30/0208: Trade or exchange of goods or services in exchange for incentives or rewards
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G07C 5/00: Registering or indicating the working of vehicles
- G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)}
- G08G 1/096838: {where the user preferences are taken into account or the user selects one route out of a plurality}
- H04W 4/40: for vehicles, e.g. vehicle-to-pedestrians [V2P]
- 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
- B60C: VEHICLE TYRES; TYRE INFLATION; TYRE CHANGING; CONNECTING VALVES TO INFLATABLE ELASTIC BODIES IN GENERAL; DEVICES OR ARRANGEMENTS RELATED TO TYRES
- B60Q: ARRANGEMENT OF SIGNALLING OR LIGHTING DEVICES, THE MOUNTING OR SUPPORTING THEREOF OR CIRCUITS THEREFOR, FOR VEHICLES IN GENERAL
- B60R: VEHICLES, VEHICLE FITTINGS, OR VEHICLE PARTS, NOT OTHERWISE PROVIDED FOR
- 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
- G08G: TRAFFIC CONTROL SYSTEMS (guiding railway traffic, ensuring the safety of railway traffic B61L; arrangement of road signs or traffic signals E01F9/00; radar or analogous systems, sonar systems, lidar systems specially adapted for traffic control G01S13/91, G01S15/88, G01S17/88; {radar or analogous systems, sonar systems, lidar systems specially adapted for anti-collision purposes G01S13/93, G01S15/93, G01S17/93})
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Computer-implemented methods, servers, and tangible, non-transitory computer-readable media storing instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle may be may be described. The computer-implemented methods, servers, and instructions may include receiving a coverage type for the customer vehicle, causing usage data corresponding to the coverage type to be tracked, receiving the usage data, generating the new insurance policy quotes corresponding to the coverage type based upon at least the usage data, and causing the new insurance policy quotes to be displayed.

## Claims

### Claim 1

A computer-implemented method for creating one or more new insurance policy quotes for a customer associated with a customer vehicle, the method comprising:
receiving, by a first software application executing on a computing device, by one or more processors, a coverage type, of a plurality of coverage types, for the customer vehicle;
causing, by the first software application executing on the computing device, by the one or more processors, a second software application executing on a mobile computing device in conjunction with one or more sensors to track a particular type of usage data of the customer vehicle based on the received coverage type for the customer vehicle, wherein a first type of usage data is tracked for a first coverage type and a second type of usage data is tracked for a second coverage type, the first type of usage data being distinct from the second type of usage data;
receiving, by the first software application executing on the computing device, by the one or more processors from the second software application executing on the mobile computing device, the particular type of usage data;
generating, by the first software application executing on the computing device, by the one or more processors, the one or more new insurance policy quotes corresponding to the coverage type for the customer vehicle based upon at least the particular type of usage data; and
transmitting, by the first software application executing on the computing device, by the one or more processors to the second software application executing on the mobile computing device, the one or more new insurance policy quotes to cause the second software application executing on the mobile computing device to display the one or more new insurance policy quotes in a user interface of the mobile computing device.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, further comprising:
causing, by the first software application executing on the computing device, by the one or more processors, a prompt to be displayed on the software application executing on the mobile computing device of the customer, the prompt to input the coverage type for the customer vehicle.

### Claim 3 (depends on 2)

The computer-implemented method of claim 2, wherein the prompt to input the coverage type for the customer vehicle includes, as selectable options, (i) personal vehicle insurance and (ii) commercial vehicle insurance.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, wherein causing the particular type of usage data corresponding to the coverage type for the customer vehicle to be tracked includes:
transmitting, by the first software application executing on the computing device, by the one or more processors, to the second software application executing on the mobile computing device of the customer, an indication for the second software application executing on the mobile computing device to track the particular type of usage data corresponding to the coverage type for the customer vehicle.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, wherein the particular type of usage data is used to determine one or more of: a number of times the customer enters or exits the customer vehicle, a total idle time for the customer vehicle, a total driving time for the customer vehicle, a number of times the customer vehicle enters and exits a particular location, a frequency of driving events, a severity of driving events, an average miles per gallon the customer vehicle achieves, a carbon footprint the customer vehicle achieves, a location of the customer vehicle, a number or percent of times the customer vehicle surpasses a speed limit, a crime statistic along a travel route, a weather event along the travel route, or an accident report along the travel route.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, wherein at least one of:
(i) the coverage type is based on one or more distance thresholds to be traveled by the customer vehicle and the particular type of usage data is used to determine one or more actual distances traveled by the customer vehicle, or
(ii) the coverage type is based on one or more amount of time thresholds in which the customer vehicle is to be driven and the particular type of usage data is used to determine one or more actual amounts of time in which the customer vehicle is driven.

### Claim 7 (depends on 1)

The computer-implemented method of claim 1, wherein the coverage type corresponds to liability insurance.

### Claim 8 (depends on 1)

The computer-implemented method of claim 1, further comprising:
sending, by the first software application executing on the computing device, by the one or more processors, a prompt to the second software application executing on the mobile computing device of the customer, the prompt to take a photo of an odometer of the customer vehicle; and
analyzing, by the first software application executing on the computing device, by the one or more processors, the photo at one or more of the second software application executing on the mobile computing device or a backend server to determine a set of numbers from the photo,
wherein the set of numbers indicates a mileage of the customer vehicle.

### Claim 9 (depends on 1)

The computer-implemented method of claim 1, further comprising:
receiving, by the first software application executing on the computing device, by the one or more processors, an indication of permission to begin tracking the particular type of usage data corresponding to the coverage type for the customer vehicle.

### Claim 10 (depends on 1)

The computer-implemented method of claim 1, further comprising:
receiving, by the first software application executing on the computing device, by the one or more processors, a purchase transaction of a calculated insurance policy quote from the customer.

### Claim 11

A server comprising: one or more processors; and a memory storing a first software application including instructions that, when executed by the one or more processors, cause the server to:
receive a coverage type, of a plurality of coverage types, for a customer vehicle;
cause a second software application executing on a mobile computing device in conjunction with one or more sensors to track a particular type of usage data of the customer vehicle based on the received coverage type for the customer vehicle, wherein a first type of usage data is tracked for a first coverage type and a second type of usage data is tracked for a second coverage type, the first type of usage data being distinct from the second type of usage data;
receive, from the second software application executing on the mobile computing device, the particular type of usage data;
generate one or more new insurance policy quotes for a customer associated with the customer vehicle corresponding to the coverage type for the customer vehicle based upon at least the particular type of usage data; and
transmitting, to the second software application executing on the mobile computing device, the one or more new insurance policy quotes to cause the second software application executing on the mobile computing device to display the one or more new insurance policy quotes in a user interface of the mobile computing device.

### Claim 12 (depends on 11)

The server of claim 11, the memory storing further instructions that, when executed by the one or more processors, cause the server to:
cause a prompt to be displayed on the second software application executing on the mobile computing device of the customer, the prompt to input the coverage type for the customer vehicle.

### Claim 13 (depends on 12)

The server of claim 12, wherein the prompt to input the coverage type for the customer vehicle includes, as selectable options, (i) personal vehicle insurance and (ii) commercial vehicle insurance.

### Claim 14 (depends on 11)

The server of claim 11, wherein the instructions stored in the memory that, when executed by the one or more processors, cause the server to:
transmit to the second software application executing on the mobile computing device of the customer, an indication for the second software application executing on the mobile computing device to track the particular type of usage data.

### Claim 15 (depends on 11)

The server of claim 11, wherein the particular type of usage data is used to determine one or more of: a number of times the customer enters or exits the customer vehicle, a total idle time for the customer vehicle, a total driving time for the customer vehicle, a number of times the customer vehicle enters and exits a particular location, a frequency of driving events, a severity of driving events, an average miles per gallon the customer vehicle achieves, a carbon footprint the customer vehicle achieves, a location of the customer vehicle, a number or percent of times the customer vehicle surpasses a speed limit, a crime statistic along a travel route, a weather event along the travel route, or an accident report along the travel route.

### Claim 16 (depends on 11)

The server of claim 11, wherein at least one of:
(i) the coverage type is based on one or more distance thresholds to be traveled by the customer vehicle and the particular type of usage data is used to determine one or more actual distances traveled by the customer vehicle, or
(ii) the coverage type is based on one or more amount of time thresholds in which the customer vehicle is to be driven and the particular type of usage data is used to determine one or more actual amounts of time in which the customer vehicle is driven.

### Claim 17 (depends on 11)

The server of claim 11, wherein the coverage type corresponds to liability insurance.

### Claim 18

One or more tangible, non-transitory computer-readable media storing a first software application including executable instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle that when executed, cause a computer to:
receive a coverage type, of a plurality of coverage types, for the customer vehicle;
cause a second software application executing on a mobile computing device in conjunction with one or more sensors to track a particular type of usage data of the customer vehicle based on the received coverage type for the customer vehicle, wherein a first type of usage data is tracked for a first coverage type and a second type of usage data is tracked for a second coverage type, the first type of usage data being distinct from the second type of usage data;
receive the particular type of usage data from the second software application executing on the mobile computing device;
generate the one or more new insurance policy quotes corresponding to the coverage type for the customer vehicle based upon at least the particular type of usage data; and
transmit, to the second software application executing on the mobile computing device, the one or more new insurance policy quotes to cause the second software application executing on the mobile computing device to display the one or more new insurance policy quotes in a user interface of the mobile computing device.

### Claim 19 (depends on 18)

The one or more tangible, non-transitory computer-readable medium of claim 18 storing further executable instructions that when executed, cause a computer to:
cause a prompt to be displayed on the second software application executing on the mobile computing device of the customer, the prompt to input the coverage type for the customer vehicle.

### Claim 20 (depends on 19)

The one or more tangible, non-transitory computer-readable medium of claim 19 wherein the prompt to input the coverage type for the customer vehicle includes, as selectable options, (i) personal vehicle insurance and (ii) commercial vehicle insurance.