# US 12,008,653 B1 · Telematics based on handset movement within a moving vehicle

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- Number: US 12,008,653 B1
- Document ID: US12008653B1
- Status: Granted
- Kind: B1
- Application number: 17/165,115
- Filed: 2021-02-02
- Granted: 2024-06-11
- Earliest claimed: 2013-03-13
- Assignees: Arity International Limited
- Applicants: Allstate Insurance Company
- Inventors: Mark V. Slusar; Joseph Kleinhenz; Eric D. Huls
- Web page: https://patentgrep.com/patent/US12008653B1

## CPC

- G06Q 40/08: Insurance
- G01S 5/02: using radio waves (using satellite radio beacon systems for determining position G01S19/00)
- G01S 5/0284: {Relative positioning}
- G01S 7/006: {using shared front-end circuitry, e.g. antennas (G01S13/765, G01S13/825 take precedence)}
- G01S 11/02: using radio waves (G01S19/00 takes precedence)
- G01S 13/00: Systems using the reflection or reradiation of radio waves, e.g. radar systems; Analogous systems using reflection or reradiation of waves whose nature or wavelength is irrelevant or unspecified
- G01S 13/74: Systems using reradiation of radio waves, e.g. secondary radar systems; Analogous systems
- G01S 19/13: Receivers
- G01S 19/48: by combining or switching between position solutions derived from the satellite radio beacon positioning system and position solutions derived from a further system
- G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)}
- G08G 1/0112: {from the vehicle, e.g. floating car data [FCD]}
- G08G 1/0129: {for creating historical data or processing based on historical data}
- G08G 1/017: identifying vehicles (G08G1/015, G08G1/054 take precedence)
- G08G 1/163: {involving continuous checking}
- G08G 1/20: {Monitoring the location of vehicles belonging to a group, e.g. fleet of vehicles, countable or determined number of vehicles}
- H04W 4/027: {using movement velocity, acceleration information}
- H04W 4/029: Location-based management or tracking services
- H04W 4/40: for vehicles, e.g. vehicle-to-pedestrians [V2P]
- H04W 4/44: for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
- H04W 4/48: for in-vehicle communication
- G01S 19/14: specially adapted for specific applications
- G01S 19/51: Relative positioning
- G01S 19/52: Determining velocity
- G01S 2205/01: specially adapted for specific applications
- 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
- 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
- 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

At least a system for providing telematics data associated with a vehicle being driven by a driver is described. The vehicular telematics data may be obtained by tracking the movements of a wireless communications device of a driver of the vehicle. The telematics data may provide, among other things, speed, acceleration, deceleration, times of operation, duration of operation, mileage driven per day, and day of the week the vehicle has been used. At least a system for determining risk behavior of a driver is also described. While a vehicle is being driven, data is obtained related to the position and movement of a wireless communications device. The data may indicate the type of behavior exhibited by the driver while the vehicle is being driven.

## Claims

### Claim 1

A method comprising:
receiving, by a processor, signal data indicative of a position of a wireless communication device relative to a plurality of localization devices located in a vehicle;
analyzing, by the processor and relative to at least three RFID nodes, the signal data to determine one or more parameters comprising an amplitude, a phase, an angle of reception, and an elapsed time;
determining, by the processor and by utilizing the one or more parameters, a position of the wireless communication device in the vehicle; and
based on a determination that the position of the wireless communication device corresponds to a position indicative of an occurrence of a risk event, categorizing, by the processor, a driver of the vehicle into a risk category; and
displaying, to the driver and based on the risk category, an event notification of the occurrence of the risk event based on the position of the wireless communication device.

### Claim 2 (depends on 1)

The method of claim 1, wherein the signal data is generated by way of the wireless communication device transmitting a signal to each of the at least three RFID nodes.

### Claim 3 (depends on 1)

The method of claim 1, further comprising: applying a triangulation technique to the one or more parameters to determine the position of the wireless communication device in the vehicle.

### Claim 4 (depends on 1)

The method of claim 1, wherein the position of the wireless communication device corresponds to a height of the driver seated in the vehicle, and the risk event corresponds to the driver speaking while the wireless communication device is placed on an ear of the driver.

### Claim 5 (depends on 1)

The method of claim 1, wherein the position of the wireless communication device corresponds to low height in the vehicle, and the risk event corresponds to the wireless communication device being located at a safe position.

### Claim 6 (depends on 1)

The method of claim 1, wherein insurance premium discounts are provided to an insured of the vehicle if the risk category indicates that the driver is associated with a good risk.

### Claim 7 (depends on 1)

The method of claim 1, wherein alerts are transmitted to the wireless communication device if the position changes irregularly over time.

### Claim 8 (depends on 1)

The method of claim 1, wherein an insurance premium of an insured is increased if the risk category indicates that the driver is associated with a bad risk.

### Claim 9 (depends on 1)

The method of claim 1, further comprising: attaching an RFID tag to the wireless communication device.

### Claim 10 (depends on 1)

The method of claim 1, further comprising: affixing a fourth RFID node inside the vehicle, wherein the four RFID nodes are symmetrically attached to the vehicle.

### Claim 11

A method involving a plurality of localization devices attached to a vehicle, the method comprising:
determining, by a processor, that a wireless communication device in use in the vehicle is transmitting a signal to each of the plurality of localization devices, wherein the signal comprises one or more of an amplitude, a phase, an angle of reception, and an elapsed time, and wherein each of the plurality of localization devices process the signal by utilizing one or more of the amplitude, the phase, the angle of reception, and the elapsed time to determine a position of the wireless communication device relative to the plurality of localization devices over time;
determining, by the processor, that the position of the wireless communication device relative to the plurality of localization devices corresponds to a plurality of positions indicative of an occurrence of a risk event; and
displaying, to a driver of the vehicle, an event notification of the occurrence of the risk event based on the position of the wireless communication device.

### Claim 12 (depends on 11)

The method of claim 11, wherein the plurality of localization devices comprise an electromagnetic transceiver.

### Claim 13 (depends on 11)

The method of claim 11, wherein the plurality of positions correspond to a height of the driver seated in the vehicle, and the risk event corresponds to the driver speaking while the wireless communication device is placed on an ear of the driver.

### Claim 14 (depends on 11)

The method of claim 11, further comprising: categorizing, by the processor and based on the plurality of positions, the driver into a risk category, wherein insurance premium discounts are provided to an insured of the vehicle if the risk category indicates that the driver is associated with a good risk.

### Claim 15 (depends on 11)

The method of claim 11, further comprising: applying a triangulation technique to the signal to determine the position of the wireless communication device in the vehicle.

### Claim 16 (depends on 11)

The method of claim 11, wherein the signal comprises a Bluetooth Low Energy (BLE) signal.

### Claim 17 (depends on 11)

The method of claim 11, wherein the plurality of localization devices comprises four localization devices that are attached to said vehicle symmetrically.

### Claim 18

A method performed by a risk assessment module communicatively coupled with: (i) a plurality of localization devices attached to a vehicle; (ii) a wireless communication device configured to transmit a signal to the plurality of localization devices, wherein each of the plurality of localization devices processes the signal to determine position data of the wireless communication device relative to the plurality of localization devices attached to the vehicle over time; and (iii) a telematics processing module of a computing device configured to determine that the vehicle is in motion; wherein the method comprises:
analyzing the position data of the wireless communication device inside the vehicle to determine one or more parameters comprising an amplitude, a phase, an angle of reception, and an elapsed time;
determining, by utilizing the one or more parameters, a range of positions of the wireless communication device in the vehicle;
determining a probability that the range of positions is indicative of an occurrence of a risk event; and
displaying, to a driver of the vehicle, an event notification of the occurrence of the risk event based on the range of positions of the wireless communication device.

### Claim 19 (depends on 18)

The method of claim 18, wherein the occurrence is based on the position data indicating that the range of positions is indicative of a height corresponding to a head of the driver.

### Claim 20 (depends on 18)

The method of claim 18, further comprising: applying a triangulation technique to the one or more parameters to determine the range of positions of the wireless communication device in the vehicle.