# US 2021/0241369 A1 · Systems and methods for utilizing sensor-based vehicle telematics data to adjust a variable vehicle obligation arrangement

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- Number: US 2021/0241369 A1
- Document ID: US20210241369A1
- Status: Published application
- Kind: A1
- Application number: 15/782,610
- Filed: 2017-10-12
- Published: 2021-08-05
- Earliest claimed: 2016-10-19
- Assignees: State Farm Mutual Automobile Insurance Company
- Applicants: State Farm Mutual Automobile Insurance Company
- Inventors: Kristopher Keith Gaudin; Justin Davis; Jacob J. Alt; Matthew S. Megyese; John Lucas Bothwell
- Web page: https://patentgrep.com/patent/US20210241369A1

## CPC

- G06Q 40/03: Credit; Loans; Processing thereof
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/145: {Payments according to the detected use or quantity}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates
- G06Q 30/0283: Price estimation or determination
- 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
- B60W 2556/45: External transmission of data to or from the vehicle
- 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
- 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

## Abstract

Vehicle usage-based data, including telematics data, may be utilized to generate and/or adjust one or more terms (e.g., a variable interest rate and/or variable principle amount) of a variable vehicle loan. Telematics data may include, for example, data generated via a vehicle mounted and/or mobile electronic device-mounted sensors. The one or more terms may be additionally or alternatively be adjusted based upon transportation metrics associated with usage of the vehicle by a transportation network company (TNC) and/or TNC driver.

## Claims

### Claim 1

A computer-implemented method comprising:
obtaining, via one or more processors, telematics data indicative of operation of a vehicle, wherein the telematics data includes data generated by one or more vehicle-mounted sensors, the telematics data being obtained by the one or more processors from the one or more vehicle-mounted sensors upon sampling of the telematics data by the one or more vehicle-mounted sensors during operation of the vehicle;
determining, via the one or more processors, based at least upon the telematics data generated by the one or more vehicle-mounted sensors, one or more autonomous features present in the vehicle and an extent of usage of the one or more autonomous features during the operation of the vehicle;
determining or adjusting, via the one or more processors, based at least upon the presence and extent of usage of the one or more autonomous features, an estimated depreciation of the vehicle;
adjusting, via the one or more processors, one or more terms of a variable vehicle loan covering the vehicle, based upon the telematics data and the estimated depreciation;
automatically withdrawing, via the one or more processors, a payment for the variable vehicle loan from a financial account associated with an owner of the vehicle or associated with the vehicle; and
transmitting, via the one or more processors, information detailing the adjusted variable vehicle loan to a mobile device of the owner of the vehicle.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, wherein the adjustment to the one or more terms of the variable vehicle loan includes an adjustment to a variable interest rate or a variable principal payment for the variable vehicle loan based upon the telematics data.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, wherein the telematics data includes an indication of distance driven or otherwise traveled by the vehicle, and wherein the adjustment to the one or more terms of the variable vehicle loan is based upon the distance driven or otherwise traveled.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, wherein the telematics data includes an indication of a number of trips driven or otherwise traveled by the vehicle, and wherein the adjustment to the one or more terms of the variable vehicle loan is based upon the number of trips driven or otherwise traveled.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, wherein the telematics data includes an indication of an actual or estimated amount of money earned by a transportation network company driver using the vehicle, and wherein the adjustment to the one or more terms of the variable vehicle loan is based upon the actual or estimated amount of money earned.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, wherein the telematics data includes an indication of an actual or estimated amount of fuel used by a transportation network company driver using the vehicle, and wherein the adjustment to the one or more terms of the variable vehicle loan is based upon the actual or estimated amount of fuel used.

### Claim 7 (depends on 1)

The computer-implemented method of claim 1, further comprising adjusting or determining, via the one or more processors, a usage-based insurance rate for the vehicle or driver based upon the telematics data.

### Claim 8 (depends on 1)

The computer-implemented method of claim 1, wherein the telematics data includes at least one of speed, acceleration, deceleration, braking, mileage, or cornering information associated with vehicle operation.

### Claim 9 (depends on 1)

The computer-implemented method of claim 1, further comprising estimating, via the one or more processors, a depreciation of the vehicle based upon the telematics data.

### Claim 10 (depends on 9)

The computer-implemented method of claim 9, further comprising transmitting, via the one or more processors, information detailing the vehicle depreciation to the mobile device of the owner of the vehicle.

### Claim 11

A computer system comprising:
a communicative connection to a vehicle data system of a vehicle;
one or more processors; and
one or more memories storing non-transitory computer-executable instructions that, when executed via the one or more processors, cause the system to:
obtain, via one or more processors, telematics data indicative of operation of a vehicle, wherein the telematics data includes data generated by one or more vehicle-mounted sensors, the telematics data being obtained by the one or more processors from the one or more vehicle-mounted sensors via the communicative connection upon sampling of the telematics data by the one or more vehicle-mounted sensors during operation of the vehicle;
determine, via the one or more processors, based at least upon the telematics data, one or more autonomous features present in the vehicle and an extent of usage of the one or more autonomous features of the vehicle;
determine or adjust, via the one or more processors, based at least upon the presence and extent of usage of the one or more autonomous features, an estimated depreciation of the vehicle;
adjust, via the one or more processors, one or more terms of a variable vehicle loan covering the vehicle, based upon the telematics data and the estimated depreciation;
automatically withdraw, via the one or more processors, a payment for the variable vehicle loan from a financial account associated with an owner of the vehicle or associated with the vehicle; and
transmit, via the one or more processors, information detailing the adjusted variable vehicle loan to a mobile device of the owner of the vehicle.

### Claim 12 (depends on 11)

The system of claim 11, wherein the adjustment to the one or more terms of the variable vehicle loan includes an adjustment to a variable interest rate or variable principal payment for the variable vehicle loan based upon the telematics data.

### Claim 13 (depends on 11)

The system of claim 11, wherein the telematics data includes an indication of distance driven or otherwise traveled by the vehicle, and wherein the adjustment to the one or more terms of the variable vehicle loan is based upon the distance driven or otherwise traveled.

### Claim 14 (depends on 11)

The system of claim 11, wherein the telematics data includes at least one of speed, acceleration, deceleration, braking, mileage, or cornering information associated with vehicle operation.

### Claim 15 (depends on 11)

The system of claim 11, wherein the computer-executable instructions, when executed via the one or more processors, further cause the system to estimate or determine at least one of a vehicle mileage, a number of vehicle trips, an amount of money earned using the vehicle, or an estimated fuel cost based upon the telematics data received.

### Claim 16 (depends on 11)

The system of claim 11, wherein the telematics data includes an indication at least one of an actual or estimated (i) vehicle mileage, (ii) number of vehicle trips taken, (iii) money earned using the vehicle by a transportation network company operator, or (iv) fuel cost.

### Claim 17

(canceled)

### Claim 18 (depends on 11)

The system of claim 11, wherein the computer-executable instructions, when executed via the one or more processors, further cause the system to update or adjust one or more terms of a variable rate credit card for a transportation network company driver based upon the telematics data.

### Claim 19 (depends on 11)

The system of claim 11, wherein the computer-executable instructions, when executed via the one or more processors, further cause the system to estimate, via the one or more processors, a depreciation of the vehicle based upon the telematics data.

### Claim 20 (depends on 19)

The system of claim 19, wherein the computer-executable instructions, when executed via the one or more processors, further cause the system to transmit, via the one or more processors, information detailing the vehicle depreciation to the mobile device of the owner of the vehicle.