# US 2017/0287076 A1 · Systems and Methods Using a Mobile Device to Collect Data for Insurance Premiums > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2017/0287076 A1 - Document ID: US20170287076A1 - Status: Published application - Kind: A1 - Application number: 15/623,171 - Filed: 2017-06-14 - Published: 2017-10-05 - Earliest claimed: 2011-06-29 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Benjamin F. Bowne; Jufeng "James" Peng; Nicholas R. Baker; Duane Lee Marzinik; Matthew Eric Riley; Nick U. Christopulos; Brian Mark Fields; J Lynn Wilson; Bryan T. Wilkerson; David W. Thurber - Web page: https://patentgrep.com/patent/US20170287076A1 ## CPC - G06Q 40/08: Insurance - B60W 40/09: Driving style or behaviour - G01C 21/3676: {Overview of the route on the road map} - G01C 21/3697: {Output of additional, non-guidance related information, e.g. low fuel level (G01C21/3679 takes precedence)} - G01S 19/13: Receivers - G06Q 10/0639: Performance analysis of employees; Performance analysis of enterprise or organisation operations - G06Q 10/0833: Tracking - G06Q 30/0283: Price estimation or determination - G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange - G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)} - G07C 5/08: Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time - G07C 5/0858: {wherein the data carrier is removable} - H04W 4/026: {using orientation information, e.g. compass} - H04W 4/40: for vehicles, e.g. vehicle-to-pedestrians [V2P] - H04L 67/12: specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks - 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 - B60W: CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT - G01C: MEASURING DISTANCES, LEVELS OR BEARINGS; SURVEYING; NAVIGATION; GYROSCOPIC INSTRUMENTS; PHOTOGRAMMETRY OR VIDEOGRAMMETRY (measuring liquid level G01F; radio navigation, determining distance or velocity by use of propagation effects, e.g. Doppler effects, propagation time, of radio waves, analogous arrangements using other waves G01S) - 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 - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data. ## Claims ### Claim at position 1 1-24. (canceled) ### Claim 25 A computer-implemented method for collecting and processing vehicle operation data by a mobile device of a user, the method comprising: during a driving session and while collecting vehicle operation data, monitoring, by the mobile device, changes in an orientation of the mobile device relative to the vehicle by: analyzing at least one of GPS (Global Position System) data and mobile device position data collected during the driving session by one or more integrated sensors or devices located in the mobile device; based on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining, by the mobile device, changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; and automatically adjusting, by the mobile device, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected to enhance vehicle operation data quality. ### Claim 26 (depends on 25) The computer-implemented method of claim 25, the method comprising: processing, by the mobile device, the automatically adjusted vehicle operation data; and wirelessly transmitting the processed vehicle operation data, by the mobile device, to a remote computer for calculating an insurance premium or otherwise adjusting an insurance policy based on the transmitted data. ### Claim 27 (depends on 26) The computer-implemented method of claim 26, wherein: processing, by the mobile device, the automatically adjusted vehicle operation data comprises calculating, by the mobile device, one or more driving behavior metrics; and wirelessly transmitting, by the mobile device, the processed vehicle operation data to the remote computer comprises wirelessly transmitting, by the mobile device, the calculated one or more driving behavior metrics to the remote computer. ### Claim 28 (depends on 25) The computer-implemented method of claim 25, wherein the mobile device is a device selected from the group consisting of a smartphone, a cell phone, a mobile telephone, a personal digital assistant (PDA), a laptop computer, and a tablet-style computer. ### Claim 29 (depends on 25) The computer-implemented method of claim 25, wherein collecting vehicle operation data by the mobile device comprises sensing, by at least one of the integrated sensors or devices located in the mobile device, a characteristic of the mobile device selected from distance traveled, location, time, and g-force dynamics. ### Claim 30 (depends on 25) The computer-implemented method of claim 25, wherein collecting vehicle operation data by the mobile device comprises collecting vehicle operation data periodically during the driving session. ### Claim 31 (depends on 25) The computer-implemented method of claim 25, wherein wirelessly transmitting the processed vehicle operation data from the mobile device to a remote computer comprises wirelessly transmitting periodically. ### Claim 32 (depends on 25) The computer-implemented method of claim 25, further comprising loading the driving analysis application onto the mobile device prior to collecting the vehicle operation data by executing a driving analysis application. ### Claim 33 (depends on 25) The computer-implemented method of claim 25, wherein collecting, by the mobile device, vehicle operation data associated with operation of a vehicle while the vehicle is operating comprises stopping collection of the vehicle operation data in response to a triggering event selected from vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility. ### Claim 34 (depends on 25) The computer-implemented method of claim 25, wherein processing, by the mobile device, the automatically adjusted vehicle operation data comprises preparing, by the mobile device, the automatically adjusted vehicle operation data for transmission to the remote computer. ### Claim 35 A handheld mobile device configured to collect and process vehicle operation data, the handheld mobile device comprising: a processor configured to: monitor changes in an orientation of the mobile device relative to a vehicle during a driving session and while vehicle operation data is being collected by one or more integrated sensors or devices mounted within the mobile device; analyze at least one of GPS (Global Positioning System) data and mobile device position data collected by the one or more integrated sensors or devices during the driving session; based on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determine changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; automatically adjust, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; process the automatically adjusted vehicle operation data; and direct wireless transmission of the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data. ### Claim 36 (depends on 35) The handheld mobile device of claim 35, wherein the handheld mobile device is selected from the group consisting of a smartphone, a cell phone, a mobile telephone, a personal digital assistant (PDA), a laptop computer, and a tablet-style computer. ### Claim 37 (depends on 35) The handheld mobile device of claim 35, wherein the one or more data collection devices configured to collect at least one of distance traveled data and geographic location data. ### Claim 38 (depends on 35) The handheld mobile device of claim 35, wherein the one or more data collection devices are configured to collect vehicle operation data periodically during the driving session. ### Claim 39 (depends on 35) The handheld mobile device of claim 35, wherein the wireless transmitter is configured to wirelessly transmit the processed vehicle operation data to the remote computer periodically during the driving session. ### Claim 40 (depends on 35) The handheld mobile device of claim 35, wherein the processor is further configured to: calculate one or more driving behavior metrics; and cause the wireless transmission of the calculated one or more driving behavior metrics to the remote computer. ### Claim 41 (depends on 35) The handheld mobile device of claim 35, wherein the processor is further configured to prepare the automatically adjusted vehicle operation data for transmission to the remote computer.