Systems and methods for assessing risk based on driver gesture behaviors
AssigneeState Farm Mutual Automobile Insurance Company
InventorsAaron Scott Chan, Kenneth Jason Sanchez, Chase Southwood, Sukeerthi Khadri
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Abstract
A system and method captures various gestures or movements made by a driver of a vehicle while driving. Based on the captured gestures or movements, the system and method determines driver gesture behaviors which relate to the driver's driving behaviors. The system and method then performs risk assessment by correlating the driver gesture behaviors with potential recognizable losses involving the driver and/or vehicle. Based on the risk assessment, the system and method assigns ratings for the driver which may be used for insurance rating purposes.
Claims20
A computer-implemented method for assessing risk based on driver behavior, the method comprising:
- implementing an image sensor at a vehicle, the image sensor oriented to capture images of a driver of the vehicle;
- receiving, from the image sensor and at one or more electronic devices, one or more images of the driver of the vehicle captured via the image sensor;
- analyzing the one or more images via the one or more electronic devices, including:
- (i) detecting via the one or more electronic devices (a) a first detected hand or head position of the driver at a first time, and (b) a second non-binary value representing a second detected hand or head position of the driver at a second time;
- and
- (ii) determining via the one or more electronic devices:
- (a) a first non-binary value representing a first risk of loss based on the first detected hand or head position and (b) a second non-binary value representing a second risk of loss based on the second detected hand or head position relative to the steering wheel;
- calculating, via the one or more electronic devices, a driving score based, at least in part, on the first and second determined non-binary values representing the first and second risks of loss;
- and
- displaying, via the one or more electronic devices, the driving score.
A system for assessing risk based on driver behavior, the system comprising:
- a communication interface operable to be communicatively coupled to an image sensor;
- one or more processors coupled to the communication interface;
- one or more memories coupled to the one or more processors, the one or more memories storing computer readable instructions that, when executed, cause the one or more processors to:
- receive, from the image sensor, one or more images of a driver of the vehicle captured via the image sensor;
- analyze the one or more images to:
- (i) detect via the one or more electronic devices (a) a first detected hand or head position of the driver at a first time, and (b) a second non-binary value representing a second detected hand or head position of the driver;
- and
- (ii) determine via the one or more electronic devices:
- (a) a first non-binary value representing a first risk of loss based on the first detected hand or head position and (b) a second non-binary value representing a second risk of loss based on the second detected hand or head position;
- calculate a driving score based, at least in part, on the first and second determined non-binary values representing the first and second risks of loss;
- and
- display the driving score.
Dependencies are inferred from the claim text.