# US 12,112,387 B2 · Systems and methods for generating mobility insurance products using ride-sharing telematics data > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,112,387 B2 - Document ID: US12112387B2 - Status: Granted - Kind: B2 - Application number: 18/331,760 - Filed: 2023-06-08 - Published: 2023-10-05 - Granted: 2024-10-08 - Earliest claimed: 2019-08-28 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Ryan Michael Gross; Joseph Robert Brannan; Brian N. Harvey - Web page: https://patentgrep.com/patent/US12112387B2 ## CPC - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/08: Insurance - G06Q 10/20: Administration of product repair or maintenance - G06Q 30/0206: {Price or cost determination based on market factors} - G06Q 30/0215: {Including financial accounts} - G06Q 30/0282: Rating or review of business operators or products - G06Q 50/40: Business processes related to the transportation industry (shipping G06Q10/083) - G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)} - G07C 5/0808: {Diagnosing performance data (testing of vehicles G01M17/00; testing of electrical installation on vehicles G01R31/005)} - G07C 5/085: {using electronic data carriers} - 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 - 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 ## Abstract A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product. ## Claims ### Claim 1 A data analytics computing device in communication with a transportation network company (“TNC”) computing device that is associated with a TNC, and a vehicle computing device associated with a vehicle that at least periodically operates as part of the TNC, the data analytics computing device having at least one processor in communication with at least one memory, the at least one processor configured to: receive telematics data from the vehicle computing device, the telematics data associated with operation of the vehicle and collected by a plurality of sensors associated with the vehicle; generate, using one or more machine learning programs, a driving model of a driver of the vehicle trained using the telematics data collected while the driver is operating the vehicle and ratings of the driver while operating the vehicle as part of the TNC; receive additional telematics data, additional ratings of the driver for a more recent operation of the vehicle, and environment data indicative of current environmental conditions of an area where the vehicle is being operated; receive, in real-time from the TNC computing device, vehicle usage data indicative of a current demand of vehicles as compared to a current supply of vehicles operating as part of the TNC; further train, using the one or more machine learning programs, the driving model by applying the additional telematics data, the additional ratings, the environment data, and the vehicle usage data to the driving model; determine, in real-time, personalized coverage for the driver currently operating the vehicle as part of the TNC by executing, in real-time, the further trained driving model; and transmit, to a user computing device associated with the driver, the personalized coverage. ### Claim 2 (depends on 1) The data analytics computing device of claim 1, wherein the ratings are associated with a condition of the vehicle. ### Claim 3 (depends on 1) The data analytics computing device of claim 1, wherein the at least one processor is further configured to further train the driving model by applying the environment data. ### Claim 4 (depends on 1) The data analytics computing device of claim 1, wherein the at least one processor is further configured to: receive, from the user computing device, a first message indicating an acceptance to obtain the personalized coverage; and transmit a second message to a financial institution computing device, the second message instructing the financial institution computing device to withdraw an amount of funds from a health savings account associated with the driver to purchase of the personalized coverage. ### Claim 5 (depends on 1) The data analytics computing device of claim 1, wherein the at least one processor is further configured to generate the driving model by overlaying the ratings with data associated with a geographic region including a route for a ride provided to a passenger of the vehicle. ### Claim 6 (depends on 1) The data analytics computing device of claim 1, wherein the ratings include a description inputted by a passenger of the vehicle during a ride provided by the driver, and wherein the at least one processor is further configured to: parse the description using natural language processing; and analyze the parsed description to determine a numerical score corresponding to a rating for the ride provided by the driver. ### Claim 7 A computer-implemented method using a data analytics computing device in communication with a transportation network company (“TNC”) computing device that is associated with a TNC, and a vehicle computing device associated with a vehicle that at least periodically operates as part of the TNC, the data analytics computing device having at least one processor in communication with at least one memory, method comprising: receiving telematics data from the vehicle computing device, the telematics data associated with operation of the vehicle and collected by a plurality of sensors associated with the vehicle; generating, using one or more machine learning programs, a driving model of a driver of the vehicle trained using the telematics data collected while the driver is operating the vehicle and ratings of the driver while operating the vehicle as part of the TNC; receiving additional telematics data, additional ratings of the driver for a more recent operation of the vehicle, and environment data indicative of current environmental conditions of an area where the vehicle is being operated; receiving, in real-time from the TNC computing device, vehicle usage data indicative of a current demand of vehicles as compared to a current supply of vehicles operating as part of the TNC; further training, using the one or more machine learning programs, the driving model by applying the additional telematics data, the additional ratings, the environment data, and the vehicle usage data to the driving model; determining, in real-time, personalized coverage for the driver currently operating the vehicle as part of the TNC by executing, in real-time, the further trained driving model; and transmitting, to a user computing device associated with the driver, the personalized coverage. ### Claim 8 (depends on 7) The computer-implemented method of claim 7, wherein the ratings are associated with a condition of the vehicle. ### Claim 9 (depends on 7) The computer-implemented method of claim 7 further comprising further training the driving model by applying the environment data. ### Claim 10 (depends on 7) The computer-implemented method of claim 7 further comprising: receiving, from the user computing device, a first message indicating an acceptance to obtain the personalized coverage; and transmitting a second message to a financial institution computing device, the second message instructing the financial institution computing device to withdraw an amount of funds from a health savings account associated with the driver to purchase of the personalized coverage. ### Claim 11 (depends on 7) The computer-implemented method of claim 7 further comprising generating the driving model by overlaying the ratings with data associated with a geographic region including a route for a ride provided to a passenger of the vehicle. ### Claim 12 (depends on 7) The computer-implemented method of claim 7, wherein the ratings include a description inputted by a passenger of the vehicle during a ride provided by the driver, and wherein the method further comprises: parsing the description using natural language processing; and analyzing the parsed description to determine a numerical score corresponding to a rating for the ride provided by the driver. ### Claim 13 At least one non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, when executed by at least one processor of a data analytics computing device in communication with a transportation network company (“TNC”) computing device that is associated with a TNC, and a vehicle computing device associated with a vehicle that at least periodically operates as part of the TNC, the at least one processor in communication with at least one memory, the computer-executable instructions cause the at least one processor to: receive telematics data from the vehicle computing device, the telematics data associated with operation of the vehicle and collected by a plurality of sensors associated with the vehicle; generate, using one or more machine learning programs, a driving model of a driver of the vehicle trained using the telematics data collected while the driver is operating the vehicle and ratings of the driver while operating the vehicle as part of the TNC; receive additional telematics data, additional ratings of the driver for a more recent operation of the vehicle, and environment data indicative of current environmental conditions of an area where the vehicle is being operated; receive, in real-time from the TNC computing device, vehicle usage data indicative of a current demand of vehicles as compared to a current supply of vehicles operating as part of the TNC; further train, using the one or more machine learning programs, the driving model by applying the additional telematics data, the additional ratings, the environment data, and the vehicle usage data to the driving model; determine, in real-time, personalized coverage for the driver currently operating the vehicle as part of the TNC by executing, in real-time, the further trained driving model; and transmit, to a user computing device associated with the driver, the personalized coverage. ### Claim 14 (depends on 13) The at least one non-transitory computer-readable storage medium of claim 13, wherein the ratings are associated with a condition of the vehicle. ### Claim 15 (depends on 13) The at least one non-transitory computer-readable storage medium of claim 13, wherein the computer-executable instructions further cause the at least one processor to: receive, from the user computing device, a first message indicating an acceptance to obtain the personalized coverage; and transmit a second message to a financial institution computing device, the second message instructing the financial institution computing device to withdraw an amount of funds from a health savings account associated with the driver to purchase of the personalized coverage. ### Claim 16 (depends on 13) The at least one non-transitory computer-readable storage medium of claim 13, wherein the computer-executable instructions further cause the at least one processor to generate the driving model by overlaying the ratings with data associated with a geographic region including a route for a ride provided to a passenger of the vehicle. ### Claim 17 (depends on 13) The at least one non-transitory computer-readable storage medium of claim 13, wherein the ratings include a description inputted by a passenger of the vehicle during a ride provided by the driver, and wherein the computer-executable instructions further cause the at least one processor to: parse the description using natural language processing; and analyze the parsed description to determine a numerical score corresponding to a rating for the ride provided by the driver.