Analyzing telematics data to determine travel events and corrective actions

• US 10,042,363 B1
• Filed: 10/18/2017
• Issued: 08/07/2018
• Est. Priority Date: 01/20/2015
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Hayward, Gregory L.
• Primary Examiner(s): Wong, Yuen H
• Application Number:
  US15/787,311
• Time in Patent Office: 293 Days
• CPC Class Codes: B60K 35/00 Instruments specially adapted for vehicles; Arrangement of instruments in or on vehicles
• CPC Class Codes: B60Q 5/006 indicating risk of collision between vehicles or with pedestrians
• CPC Class Codes: B60W 40/10 related to vehicle motion
• CPC Class Codes: B60W 50/14 Means for informing the driver, warning the driver or prompting a driver intervention
• CPC Class Codes: G01C 21/005 with correlation of navigation data from several sources, e.g. map or contour matching G01C21/30 takes precedence
• CPC Class Codes: G01C 21/34 Route searching; Route guidance
• CPC Class Codes: G01C 21/3415 Dynamic re-routing, e.g. recalculating the route when the user deviates from calculated route or after detecting real-time traffic data or accidents
• CPC Class Codes: G01C 21/3492 employing speed data or traffic data, e.g. real-time or historical traffic control systems for road vehicles involving transmission of navigation instructions to the vehicle G08G1/0968
• CPC Class Codes: G01C 21/36 Input/output arrangements for on-board computers
• CPC Class Codes: G01C 21/3655 Timing of guidance instructions
• CPC Class Codes: G01C 21/3667 Display of a road map G01C21/3614 takes precedence; guidance using 3D or perspective road maps G01C21/3635
• CPC Class Codes: G01C 21/367 Details, e.g. road map scale, orientation, zooming, illumination, level of detail, scrolling of road map or positioning of current position marker
• CPC Class Codes: G01C 21/3691 Retrieval, searching and output of information related to real-time traffic, weather, or environmental conditions arrangements for giving variable traffic instructions G08G1/09
• CPC Class Codes: G01S 19/13 Receivers
• CPC Class Codes: G01S 19/42 Determining position
• CPC Class Codes: G01S 19/47 the supplementary measurement being an inertial measurement, e.g. tightly coupled inertial
• CPC Class Codes: G01S 19/50 whereby the position solution is constrained to lie upon a particular curve or surface, e.g. for locomotives on railway tracks
• CPC Class Codes: G01S 19/51 Relative positioning
• CPC Class Codes: G05D 1/0278 using satellite positioning signals, e.g. GPS
• CPC Class Codes: G05D 1/0285 using signals transmitted via a public communication network, e.g. GSM network
• CPC Class Codes: G05D 1/225 : operated by off-board computers
• CPC Class Codes: G05D 1/229 : Command input data, e.g. waypoints
• CPC Class Codes: G05D 1/24 : Arrangements for determining position or orientation
• CPC Class Codes: G06Q 10/047 : Optimisation of routes or paths, e.g. travelling salesman problem
• CPC Class Codes: G06Q 40/08 : Insurance
• CPC Class Codes: G07C 5/008 : communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/02 : Registering or indicating driving, working, idle, or waiting time only apparatus forming part of taximeters G07B13/00
• CPC Class Codes: G08G 1/0112 : from the vehicle, e.g. floating car data [FCD]
• CPC Class Codes: G08G 1/012 : from other sources than vehicle or roadside beacons, e.g. mobile networks
• CPC Class Codes: G08G 1/0125 : Traffic data processing
• CPC Class Codes: G08G 1/0133 : for classifying traffic situation
• CPC Class Codes: G08G 1/0141 : for traffic information dissemination
• CPC Class Codes: G08G 1/052 : with provision for determining speed or overspeed speed measuring in general G01P
• CPC Class Codes: G08G 1/091 : Traffic information broadcasting broadcasting communication H04H
• CPC Class Codes: G08G 1/093 : Data selection, e.g. prioritizing information, managing message queues, selecting the information to be output
• CPC Class Codes: G08G 1/0965 : responding to signals from another vehicle, e.g. emergency vehicle
• CPC Class Codes: G08G 1/096725 : where the received information generates an automatic action on the vehicle control
• CPC Class Codes: G08G 1/096783 : where the origin of the information is a roadside individual element
• CPC Class Codes: G08G 1/096827 : where the route is computed onboard
• CPC Class Codes: G08G 1/096844 : where the complete route is dynamically recomputed based on new data
• CPC Class Codes: G08G 1/096855 : where the output is provided in a suitable form to the driver details on I/O arrangements for onboard navigation computers G01C21/36
• CPC Class Codes: G08G 1/096883 : where input information is obtained using a mobile device, e.g. a mobile phone, a PDA
• CPC Class Codes: G08G 1/127 : to a central station ; Indicators in a central station
• CPC Class Codes: G08G 1/16 : Anti-collision systems road vehicle drive control systems for predicting or avoiding probable or impending collision otherwise than by control of a particular sub-unit B60W30/08
• CPC Class Codes: G08G 1/162 : event-triggered
• CPC Class Codes: G08G 1/166 : for active traffic, e.g. moving vehicles, pedestrians, bikes
• CPC Class Codes: G08G 7/02 : Anti-collision systems
• CPC Class Codes: H04L 65/611 : for multicast or broadcast systems for broadcast or conference H04L12/18; arrangements for broadcast or distribution combined with broadcast H04H20/00; arrangements for broadcast applications with a direct linkage to broadcast information or to broadcast space-time H04H60/00; selective distribution of broadcast services, e.g. multimedia broadcast multicast service [MBMS], H04W4/06
• CPC Class Codes: 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
• CPC Class Codes: H04L 67/52 : specially adapted for the location of the user terminal
• CPC Class Codes: H04Q 2209/40 : using a wireless architecture
• CPC Class Codes: H04Q 9/00 : Arrangements in telecontrol or telemetry systems for selectively calling a substation from a main station, in which substation desired apparatus is selected for applying a control signal thereto or for obtaining measured values therefrom
• CPC Class Codes: H04W 4/027 : using movement velocity, acceleration information
• CPC Class Codes: H04W 4/06 : Selective distribution of broadcast services, e.g. multimedia broadcast multicast service [MBMS]; Services to user groups; One-way selective calling services
• CPC Class Codes: H04W 4/40 : for vehicles, e.g. vehicle-to-pedestrians [V2P]

Abstract

A computer-implemented method of using telematics data associated with an originating vehicle at a destination vehicle is provided. The method includes receiving telematics data associated with the originating vehicle by (1) a mobile device, or (2) a smart vehicle controller associated with a driver, and analyzing the telematics data to determine that a travel event exists. If the travel event exists, the method may determine if the travel event presents an issue or problem for the vehicle (or driver) by determining that a GPS location of the travel event is located along the current travel route of the vehicle and, if so, automatically taking a preventive or corrective action that alleviates a negative impact of the travel event on the driver or vehicle to facilitate safer or more efficient vehicle travel. Insurance discounts may be provided based upon the risk mitigation or prevention functionality, or usage thereof.

Claims

1. A computer-implemented method of using telematics data to provide telematics data-based risk mitigation or prevention functionality, the method comprising:

receiving, via a destination computing device associated with a destination vehicle and a destination driver, telematics data that is sampled by one or more sensors that are incorporated as part of an originating computing device when the one or more sensors indicate that the originating computing device is stationary with respect to an originating vehicle and is located within the originating vehicle, the telematics data including acceleration, braking, speed, cornering, and Global Positioning System (GPS) data associated with the originating vehicle;

determining, via the destination computing device based upon an analysis of the telematics data, a geographic location of a travel event using the Global Positioning System (GPS) data;

identifying, via the destination computing device, a relevance of the travel event by determining, using the telematics data, whether the geographic location of the travel event is located (i) along a current travel route of the destination vehicle, or (ii) within a threshold distance of a current GPS location of the destination computing device; and

when the travel event is relevant, at least one of

(i) providing, via the destination computing device, a graphical user interface (GUI) to alert the destination driver, the GUI including a display of

(a) an indication of a description of the travel event, the indication of the description of the travel event including at least one of a text indication of the description or a graphical indication of the description, and

(b) an indication of the geographic location of the travel event, the indication of the geographic location of the travel event including at least one of a text indication of the geographic location, a graphical indication of the geographic location, or a map indicating the geographic location, or

(ii) automatically taking at least one other preventive or corrective action, via the destination computing device, to affect driving of the destination vehicle; and

displaying, via the destination computing device, insurance policy pricing adjustment information associated with the destination driver that is based upon a destination driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.

2. The computer-implemented method of claim 1, wherein the one or more sensors indicate that the originating computing device is located within the originating vehicle when the one or more sensors indicate that the originating computing device has exceeded a threshold speed for a threshold duration of time.

3. The computer-implemented method of claim 1, wherein the telematics data includes data indicative of a driving speed limit at a location corresponding to the geographic location of the originating vehicle, and further comprising:

identifying, via the destination computing device, the travel event based upon a comparison of the speed of the originating vehicle to the driving speed limit.

4. The computer-implemented method of claim 1, wherein determining whether the geographic location of the travel event is located within the threshold distance of the current GPS location of the destination computing device includes determining whether the destination vehicle is within a geofence that has a shape matching a road upon which the originating vehicle is traveling.

5. The computer-implemented method of claim 1, comprising generating an alternate travel route that avoids the geographic location of the travel event.

6. The computer-implemented method of claim 1, wherein the telematics data is indicative of one or more of GPS speed, lane information associated with the originating vehicle, time, turning associated with the originating vehicle, battery level associated with the originating computing device, and telephone usage information associated the originating computing device.

7. The computer-implemented method of claim 1, wherein the telematics data indicates that the originating vehicle is experiencing one or more of high traffic conditions, congestion, road construction, and extreme weather conditions.

8. A destination computing device associated with a destination vehicle and a destination driver, comprising:

a communication unit configured to receive telematics data that is sampled by one or more sensors that are incorporated as part of an originating computing device when the one or more sensors indicate that the originating computing device is stationary with respect to an originating vehicle and is located within the originating vehicle, the telematics data including acceleration, braking, speed, cornering, and Global Positioning System (GPS) data associated with the originating vehicle;

one or more processors configured to;

determine, based upon an analysis of the telematics data, a geographic location of a travel event using the Global Positioning System (GPS) data;

identify a relevance of the travel event by determining, using the telematics data, whether the geographic location of the travel event is located (i) along a current travel route of the destination vehicle, or (ii) within a threshold distance of a current GPS location of the destination computing device;

when the travel event is relevant, automatically direct at least one preventive or corrective action to alert the destination driver, the at least one preventive or corrective action including at least one of providing a graphical user interface (GUI) or at least one other preventive or corrective action that affects driving of the destination vehicle; and

a display configured to at least one of

(i) provide the GUI, the GUI including a screen showing

(a) an indication of a description of the travel event, the indication of the description of the travel event including at least one of a text indication of the description or a graphical indication of the description, and

(b) an indication of the geographic location of the travel event, the indication of the geographic location of the travel event including at least one of a text indication of the geographic location, a graphical indication of the geographic location, or a map indicating the geographic location, or

(ii) present insurance policy pricing adjustment information associated with the destination driver that is based upon a destination driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.

9. The destination computing device of claim 8, wherein the one or more sensors indicate that the originating computing device is located within the originating vehicle when the one or more sensors indicate that the originating computing device has exceeded a threshold speed for a threshold duration of time.

11. The destination computing device of claim 8, wherein the one or more processors are further configured to determine whether the geographic location of the travel event is located within the threshold distance of the current GPS location of the destination computing device based upon whether the destination vehicle is within a geofence that has a shape matching a road upon which the originating vehicle is traveling.

12. The destination computing device of claim 8, wherein the one or more processors are configured to automatically direct the at least one preventive or corrective action by generating an alternate travel route that avoids the geographic location of the travel event.

13. The destination computing device of claim 8, wherein the telematics data is indicative of one or more of GPS speed, lane information associated with the originating vehicle, time, turning associated with the originating vehicle, battery level associated with the originating computing device, and telephone usage information associated the originating computing device.

14. The destination computing device of claim 8, wherein the telematics data indicates that the originating vehicle is experiencing one or more of high traffic conditions, congestion, road construction, and extreme weather conditions.

10. The destination computing device 8, wherein the telematics data includes data indicative of a driving speed limit at a location corresponding to the geographic location of the originating vehicle, and

wherein the one or more processors are further configured to identify the travel event based upon a comparison of the speed of the originating vehicle to the driving speed limit.

15. A tangible, non-transitory, computer-readable medium associated with a destination computing device that is associated with a destination vehicle and a destination driver, the computer-readable medium storing instructions that, when executed by one or more processors of the destination computing device, cause the destination computing device to:

receive telematics data that is sampled by one or more sensors that are incorporated as part of an originating computing device when the one or more sensors indicate that the originating computing device is stationary with respect to an originating vehicle and is located within the originating vehicle, the telematics data including acceleration, braking, speed, cornering, and Global Positioning System (GPS) data associated with the originating vehicle;

determine, based upon an analysis of the telematics data, a geographic location of a travel event using the Global Positioning System (GPS) data;

identify a relevance of the travel event by determining, using the telematics data, whether the geographic location of the travel event is located (i) along a current travel route of the destination vehicle, or (ii) within a threshold distance of a current GPS location of the destination computing device;

when the travel event is relevant,

(1) at least one of

(i) provide a graphical user interface (GUI) to alert the destination driver, the GUI including a display of

(a) an indication of a description of the travel event, the indication of the description of the travel event including at least one of a text indication of the description or a graphical indication of the description, and

(b) an indication of the geographic location of the travel event, the indication of the geographic location of the travel event including at least one of a text indication of the geographic location, a graphical indication of the geographic location, or a map indicating the geographic location, or

(ii) automatically cause at least one other preventive or corrective action to affect driving of the destination vehicle, and

(2) present insurance policy pricing adjustment information associated with the destination driver that is based upon a destination driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.

16. The tangible, non-transitory, computer-readable medium of claim 15, wherein the one or more sensors indicate that the originating computing device is located within the originating vehicle when the one or more sensors indicate that the originating computing device has exceeded a threshold speed for a threshold duration of time.

17. The tangible, non-transitory, computer-readable medium of claim 15, wherein the telematics data includes data indicative of a driving speed limit at a location corresponding to the geographic location of the originating vehicle, and

wherein the instructions, when executed by one or more processors, further cause the destination computing device to identify the travel event based upon a comparison of the speed of the originating vehicle to the driving speed limit.

18. The tangible, non-transitory, computer-readable medium of claim 15, wherein the instructions, when executed by the one or more processors, further cause the destination computing device to determine whether the geographic location of the travel event is located within the threshold distance of the current GPS location of the destination computing device based upon whether the destination vehicle is within a geofence that has a shape matching a road upon which the originating vehicle is traveling.

19. The tangible, non-transitory, computer-readable medium of claim 15, wherein the instructions, when executed by the one or more processors, cause the destination computing device to generate an alternate travel route that avoids the geographic location of the travel event.

20. The tangible, non-transitory, computer-readable medium of claim 15, wherein the telematics data indicates (i) one or more of GPS speed, lane information associated with the originating vehicle, time, turning associated with the originating vehicle, battery level associated with the originating computing device, and telephone usage information associated the originating computing device, and (ii) that the originating vehicle is experiencing one or more of high traffic conditions, congestion, road construction, and extreme weather conditions.