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US 9,727,920 B1Granted
Insurance policy management using telematics
AssigneeUnited Services Automobile Association (USAA)
InventorsJodi Jean Healy, Keith Rodgers, Rod Gonzales, Robert Kenneth Dohner, Christine Marie Brown, Reynaldo Medina, III
Life of this patent
Estimating the term…
Abstract
A system and method for providing routing based insurance using a telematics route tracking device to receive data relating to traversal of a user route. The received telematics data is processed to determine risk related to the route, related external factors, and user driving behavior. An insurance policy pricing module is utilized to generate insurance policy price data to modify pricing effects.
Claims18
A computer implemented method, comprising:
- using a telematics route tracking module to electronically receive, from a telematics device associated with a user, data relating to traversal of a user route, the telematics device configured to monitor a movement of the user and determine the data relating to traversal of the user route based on the movement of the user;
- processing, via a computing device with non-transitory memory and a processor, said electronically received data to determine user driving behavior based upon the data relating to traversal of the user route;
- identifying, based on the processing of the electronically received data, one or more driving infractions associated with the user, and
- using an insurance policy pricing module to generate, via the processor, insurance policy price data to determine pricing effects caused by one or more identified user driving infractions contingent upon said determined user driving behavior.
1 more element
A computer implemented method, comprising:
- using a telematics route tracking module to electronically receive, from a telematics device associated with a user, data relating to traversal of a user route, the telematics device configured to monitor a movement of the user and determine the data relating to the traversal of the user route based on the movement of the user;
- processing, via a computing device with non-transitory memory and a processor, said electronically received data to determine user driving behavior based upon the data relating to traversal of the user route;
- determining, based on the processing of the electronically received data, an age associated with said user;
- and
- using an insurance policy pricing module to generate, via the processor, insurance policy price data to modify policy pricing effects caused by a user's age upon an user's insurance policy in response to determined user driving behavior.
2 more elements
A computer implemented method, comprising:
- using a telematics route tracking module to electronically receive, from a telematics device associated with a user, data relating to traversal of a user route, the telematics device configured to monitor a movement of the user and determine the data relating to traversal of the user route based on the movement of the user;
- storing, at a computing device with non-transitory memory and a processor, said electronically received data in said memory;
- determining, via the processor, when a sufficient amount of data is stored to enable insurance policy price adjustments associated with the user;
- processing, via the processor, said data stored in memory to determine user driving behavior for the user;
- and
- based on the processing of the electronically received data, using an insurance policy pricing module to generate, via the processor, insurance policy price data to modify policy pricing effects in response to determined user driving behavior.
3 more elements
A computer implemented method, comprising:
- using a telematics route tracking device in a user vehicle to electronically record data relating to traversal of a user route in the user vehicle;
- electronically transmitting said recorded data relating to traversal of a user route via a wireless connection to a computer server at a prescribed time;
- storing said transmitted data relating to traversal of a user route in memory associated with said computer server;
- determining when a sufficient amount of data relating to traversal of a user route from said route tracking module is stored in said memory to generate insurance policy price data for enabling insurance policy price adjustments associated with a user;
- processing said stored data relating to traversal of a user route to determine user driving behavior based upon said data relating to traversal of a user route;
- based on the processing of the electronically transmitted data relating to traversal of a user route, using an insurance policy pricing module to generate insurance policy price data in response to determined user driving behavior;
- and
- determining a next prescribed time when said route tracking device initiates a wireless connection to the computer server for transmitting said recorded data relating to traversal of a user route from said telematics route tracking device to said server contingent upon said determined user driving behavior.
5 more elements
A computer implemented method comprising:
- using a telematics route tracking device in a user vehicle to electronically record data relating to traversal of a user route in the user vehicle;
- transmitting said recorded data relating to traversal of a user route via a wireless connection to a computer server at a prescribed time;
- storing said transmitted data relating to traversal of a user route in memory associated with said computer server;
- processing said stored data relating to traversal of a user route to determine user driving behavior based upon said data relating to traversal of a user route;
- using an insurance policy pricing module to generate insurance policy price data to modify policy pricing effects of any determined driving infractions upon an user's insurance policy in response to determined user driving behavior;
- and
- determining a next prescribed time when said route tracking device initiates a wireless connection to the computer server for transmitting said recorded data relating to traversal of a user route from said telematics route tracking device to said server contingent upon said determined user driving behavior.
4 more elements
Dependencies are inferred from the claim text.