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US 2014/0180723 A1Published application
Systems and methods for surface segment data
AssigneeThe Travelers Indemnity Company
InventorsGregory L. Cote, Dean M. Collins, Beth S. Tirone, Christopher M. Hayes
Life of this patent
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Abstract
Systems, apparatus, interfaces, methods, and articles of manufacture that provide for acquisition, management, and/or utilization of surface segment data.
Claims20
A method, comprising:
- determining, by a specially-programmed processing device, information descriptive of an amount of time a vehicle spends on a first type of surface segment;
- determining, by the processing device, information descriptive of an amount of time the vehicle spends on a second type of surface segment;
- determining, by the processing device, a first risk metric of the first type of surface segment;
- determining, by the processing device, a second risk metric of the second type of surface segment;
- determining, by the processing device and based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;
- determining, by the processing device and based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure;
- and
- determining, by the processing device and based at least in part on the first and second risk exposures, an insurance rate for the vehicle.
5 more elements
An apparatus, comprising:
- a processing device;
- and
- a memory device in communication with the processing device, the memory device storing instructions that when executed by the processing device result in:
- determining information descriptive of an amount of time a vehicle spends on a first type of surface segment;
- determining information descriptive of an amount of time the vehicle spends on a second type of surface segment;
- determining a first risk metric of the first type of surface segment;
- determining a second risk metric of the second type of surface segment;
- determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;
- determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure;
- and
- determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle.
8 more elements
A computer-readable memory storing instructions that when executed by a processing device result in:
- determining information descriptive of an amount of time a vehicle spends on a first type of surface segment;
- determining information descriptive of an amount of time the vehicle spends on a second type of surface segment;
- determining a first risk metric of the first type of surface segment;
- determining a second risk metric of the second type of surface segment;
- determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;
- determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure;
- and
- determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle.
5 more elements
Dependencies are inferred from the claim text.