Determining abnormal traffic conditions from a broadcast of telematics data originating from another vehicle
First Claim
1. A computer-implemented method of using telematics data at a destination computing device that is associated with a destination driver, comprising:
- receiving, via the destination computing device, telematics data including acceleration, braking, speed, compass heading, and location-related data associated with an operation of the originating vehicle, the telematics data being 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;
identifying, via the destination computing device, an abnormal travel condition or traffic event based upon an analysis of the received telematics data;
determining, via the destination computing device, that the abnormal travel condition or traffic event is relevant to the destination vehicle when (i) a location of the originating computing device, based upon the telematics data, is within a threshold distance of a current location of the destination computing device, or (ii) the abnormal travel condition or traffic event is located along a route upon which the destination vehicle is presently traveling; and
when the abnormal travel condition or traffic event is found to be relevant to the destination vehicle or the destination driver,(1) at least one of(i) providing, via the destination computing device, a graphical user interface (GUI) including a display of(a) an indication of a description of the abnormal travel condition or traffic event, the indication of the description of the abnormal travel condition or traffic event including at least one of a text indication of the description or a graphical indication of the description, and(b) an indication of a location of the abnormal travel condition or traffic event, the indication of the location of the abnormal travel condition or traffic event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the 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 so as to alleviate a negative impact of the abnormal travel condition or traffic event, and(2) displaying, via the destination computing device, insurance policy pricing adjustment information associated with the destination driver that is based upon a driver risk due to the determined abnormal travel condition or traffic event so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.
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Accused Products
Abstract
A computer-implemented method of using telematics data at a destination device is provided. The destination device may be a mobile device associated with a driver, or a smart vehicle controller of a destination vehicle. The telematics data is generated by an originating mobile device (i) having a Telematics Application (or “App”), and (ii) associated with a second driver/vehicle, the telematics data including acceleration, braking, speed, heading, and location data associated with an originating vehicle. The telematics data may be broadcast from the originating mobile device to the destination device that (a) analyzes the telematics data received, (b) determines that an abnormal travel condition exists, and (c) automatically take corrective action that alleviates a negative impact of the abnormal travel condition on the destination vehicle to facilitate safer travel. A usage-based or other insurance discount may be provided based upon insured usage of the telematics data-based risk mitigation or prevention functionality.
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Citations
20 Claims
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1. A computer-implemented method of using telematics data at a destination computing device that is associated with a destination driver, comprising:
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receiving, via the destination computing device, telematics data including acceleration, braking, speed, compass heading, and location-related data associated with an operation of the originating vehicle, the telematics data being 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; identifying, via the destination computing device, an abnormal travel condition or traffic event based upon an analysis of the received telematics data; determining, via the destination computing device, that the abnormal travel condition or traffic event is relevant to the destination vehicle when (i) a location of the originating computing device, based upon the telematics data, is within a threshold distance of a current location of the destination computing device, or (ii) the abnormal travel condition or traffic event is located along a route upon which the destination vehicle is presently traveling; and when the abnormal travel condition or traffic event is found to be relevant to the destination vehicle or the destination driver, (1) at least one of (i) providing, via the destination computing device, a graphical user interface (GUI) including a display of (a) an indication of a description of the abnormal travel condition or traffic event, the indication of the description of the abnormal travel condition or traffic event including at least one of a text indication of the description or a graphical indication of the description, and (b) an indication of a location of the abnormal travel condition or traffic event, the indication of the location of the abnormal travel condition or traffic event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the 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 so as to alleviate a negative impact of the abnormal travel condition or traffic event, and (2) displaying, via the destination computing device, insurance policy pricing adjustment information associated with the destination driver that is based upon a driver risk due to the determined abnormal travel condition or traffic event so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A destination computing device associated with a destination vehicle and a destination driver, comprising:
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a communication unit configured to receive telematics data from an originating computing device that is associated with an originating vehicle, the telematics data including acceleration, braking, speed, compass heading, and location-related data associated with an operation of the originating vehicle, the telematics data being sampled by one or more sensors that are incorporated as part of the originating computing device when the one or more sensors indicate that the originating computing device is stationary with respect to the originating vehicle and is located within the originating vehicle; one or more processors configured to; identify an abnormal travel condition or traffic event based upon an analysis of the received telematics data; determine that the abnormal travel condition or traffic event is relevant to the destination vehicle when (i) a location of the originating computing device, based upon the telematics data, is within a threshold distance of a current location of the destination computing device, or (ii) the abnormal travel condition or traffic event is located along a route upon which the destination vehicle is presently traveling; and when the abnormal travel condition or traffic event is found to be relevant to the destination vehicle or the destination driver, automatically take at least one preventive or corrective action to alleviate a negative impact of the abnormal travel condition or traffic event, the at least one preventive or corrective action including at least one of providing a graphical user interface (GUI) to alert the destination driver 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 abnormal travel condition or traffic event, the indication of the description of the abnormal travel condition or traffic event including at least one of a text indication of the description or a graphical indication of the description, and (b) an indication of a location of the abnormal travel condition or traffic event, the indication of the location of the abnormal travel condition or traffic event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the location, or (ii) present insurance policy pricing adjustment information associated with the destination driver that is based upon a driver risk due to the determined abnormal travel condition or traffic event so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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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:
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receive telematics data from an originating computing device that is associated with an originating vehicle, the telematics data including acceleration, braking, speed, compass heading, and location-related data associated with an operation of the originating vehicle, the telematics data being sampled by one or more sensors that are incorporated as part of the originating computing device when the one or more sensors indicate that the originating computing device is stationary with respect to the originating vehicle and is located within the originating vehicle; identify an abnormal travel condition or traffic event based upon an analysis of the received telematics data; determine that the abnormal travel condition or traffic event is relevant to the destination vehicle when (i) a location of the originating computing device, based upon the telematics data, is within a threshold distance of a current location of the destination computing device, or (ii) the abnormal travel condition or traffic event is located along a route upon which the destination vehicle is presently traveling; and when the abnormal travel condition or traffic event is found to be relevant to the destination vehicle or the destination driver, (1) at least one of (i) provide a graphical user interface (GUI) including a display of (a) an indication of a description of the abnormal travel condition or traffic event, the indication of the description of the abnormal travel condition or traffic event including at least one of a text indication of the description or a graphical indication of the description, and (b) an indication of a location of the abnormal travel condition or traffic event, the indication of the location of the abnormal travel condition or traffic event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the location, or (ii) automatically cause at least one other preventive or corrective action to affect driving of the destination vehicle so as to alleviate a negative impact of the abnormal travel condition or traffic event, and (2) present insurance policy pricing adjustment information associated with the destination driver that is based upon a driver risk due to the determined abnormal travel condition or traffic event so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification