Systems and methods to quantify and differentiate individual insurance risk based on actual driving behavior and driving environment
First Claim
1. A computer implemented method for determining a real-time operating environment of a vehicle driver, the method comprising:
- receiving, at a processor of a computing device from a client device wirelessly connected to the computing device, a selection of what vehicle sensor data to collect;
receiving, at the processor of the computing device, in response to the processor executing a vehicle sensor module, vehicle sensor data from at least one vehicle sensor based on the selection of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of a vehicle;
receiving, at the processor of the computing device, in response to the processor executing a vehicle operator environment data acquisition module, from a plurality of position sensors, wherein a first sensor of the plurality of position sensors is mounted at a driver-side A-pillar, wherein a second sensor, a third sensor, a fourth sensor, and a fifth sensor of the plurality of position sensors are mounted at a bottom side of a rearview mirror opposite a rearview mirror mount, wherein vehicle operator environment data acquired from the first sensor, the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine a position and orientation of a head of the vehicle driver, a left hand of the vehicle driver, and a right hand of the vehicle driver, wherein vehicle operator environment data received from the first sensor is used to determine a gesture that is performed by the left hand of the driver, wherein the second sensor is an image sensor, the third sensor is an infrared sensor, the fourth sensor is an ultrasonic sensor, and the fifth sensor is a microphone, and wherein vehicle operator environment data received from the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine if the head of the vehicle driver is oriented towards a cellular telephone within the right hand of the vehicle driver;
determining, using the processor of the computing device, in response to the processor executing a vehicle operator environment monitoring module, a real-time operating environment of the driver based on the received driver environment data and the received vehicle sensor data, wherein the real-time operating environment of the driver is indicative that the vehicle driver is inattentive to the road if the head of the vehicle driver is oriented towards the cellular telephone within the right hand of the vehicle driver, wherein the real-time operating environment is indicative that the vehicle driver is attentive to the road if the head of the vehicle driver is not oriented towards the cellular telephone within the right hand of the vehicle driver, and wherein the real-time operating environment data is indicative of a position of the left hand of the vehicle driver relative to a steering wheel; and
generating, using the processor of the computing device, at least one of;
a driver warning or a driver advisory based on the determined real-time operating environment, to improve a driving behavior of the driver, wherein the driver warning or the driver advisory is displayed to the driver via the client device.
1 Assignment
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Accused Products
Abstract
The present disclosure generally relates to systems and methods for generating data representative of an individual'"'"'s insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.
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Citations
20 Claims
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1. A computer implemented method for determining a real-time operating environment of a vehicle driver, the method comprising:
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receiving, at a processor of a computing device from a client device wirelessly connected to the computing device, a selection of what vehicle sensor data to collect; receiving, at the processor of the computing device, in response to the processor executing a vehicle sensor module, vehicle sensor data from at least one vehicle sensor based on the selection of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of a vehicle; receiving, at the processor of the computing device, in response to the processor executing a vehicle operator environment data acquisition module, from a plurality of position sensors, wherein a first sensor of the plurality of position sensors is mounted at a driver-side A-pillar, wherein a second sensor, a third sensor, a fourth sensor, and a fifth sensor of the plurality of position sensors are mounted at a bottom side of a rearview mirror opposite a rearview mirror mount, wherein vehicle operator environment data acquired from the first sensor, the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine a position and orientation of a head of the vehicle driver, a left hand of the vehicle driver, and a right hand of the vehicle driver, wherein vehicle operator environment data received from the first sensor is used to determine a gesture that is performed by the left hand of the driver, wherein the second sensor is an image sensor, the third sensor is an infrared sensor, the fourth sensor is an ultrasonic sensor, and the fifth sensor is a microphone, and wherein vehicle operator environment data received from the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine if the head of the vehicle driver is oriented towards a cellular telephone within the right hand of the vehicle driver; determining, using the processor of the computing device, in response to the processor executing a vehicle operator environment monitoring module, a real-time operating environment of the driver based on the received driver environment data and the received vehicle sensor data, wherein the real-time operating environment of the driver is indicative that the vehicle driver is inattentive to the road if the head of the vehicle driver is oriented towards the cellular telephone within the right hand of the vehicle driver, wherein the real-time operating environment is indicative that the vehicle driver is attentive to the road if the head of the vehicle driver is not oriented towards the cellular telephone within the right hand of the vehicle driver, and wherein the real-time operating environment data is indicative of a position of the left hand of the vehicle driver relative to a steering wheel; and generating, using the processor of the computing device, at least one of;
a driver warning or a driver advisory based on the determined real-time operating environment, to improve a driving behavior of the driver, wherein the driver warning or the driver advisory is displayed to the driver via the client device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer system for determining a real-time operating environment of a vehicle driver, the system comprising:
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at least one computing device having a processor and a memory; a client device application, stored on the memory of the computing device, that, when executed by the processor of the computing device, causes the processor to receive, from a client device wirelessly connected to the computing device, a selection of what vehicle sensor data to collect; a vehicle sensor module, stored on the memory of the computing device, that, when executed by the processor of the computing device, causes the processor to receive vehicle sensor data from at least one vehicle sensor based on the selection of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of a vehicle; a vehicle operator environment data acquisition module, stored on the memory of the computing device, that when executed by the processor of the computing device, causes the processor to receive driver environment data from a plurality of position sensors, wherein a first sensor of the plurality of position sensors is mounted at a driver-side A-pillar, wherein a second sensor, a third sensor, a fourth sensor, and a fifth sensor of the plurality of position sensors are mounted at a bottom side of a rearview mirror opposite a rearview mirror mount, wherein vehicle operator environment data acquired from the first sensor, the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine a position and orientation of a head of the vehicle driver, a left hand of the vehicle driver, and a right hand of the vehicle driver, wherein vehicle operator environment data received from the first sensor is used to determine a gesture that is performed by the left hand of the driver, wherein the second sensor is an image sensor, the third sensor is an infrared sensor, the fourth sensor is an ultrasonic sensor, and the fifth sensor is a microphone, and wherein vehicle operator environment data received from the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine if the head of the vehicle driver is oriented towards a cellular telephone within the right hand of the vehicle driver; and a vehicle operator environment monitoring module, stored on the memory of the computing device, that, when executed by the processor of the computing device, causes the processor to determine a real-time operating environment of the driver based on the received driver environment data and the received vehicle sensor data, wherein the real-time operating environment of the driver is indicative that the vehicle driver is inattentive to the road if the head of the vehicle driver is oriented towards the cellular telephone within the right hand of the vehicle driver, wherein the real-time operating environment is indicative that the vehicle driver is attentive to the road if the head of the vehicle driver is not oriented towards the cellular telephone within the right hand of the vehicle driver, and wherein the real-time operating environment data is indicative of a position of the left hand of the vehicle driver relative to a steering wheel, and to generate at least one of;
a driver warning or a driver advisory based on the determined real-time operating environment, to improve a driving behavior of the driver, wherein the driver warning or the driver advisory is displayed to the driver via the client device. - View Dependent Claims (13, 14, 15)
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16. A non-transitory, computer-readable medium storing instructions that, when executed by a processor of a computer system, cause the processor to determine a real-time operating environment of a vehicle driver, the computer-readable medium comprising:
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a client device application that, when executed by the processor of the computer system, causes the processor to receive, from a client device wirelessly connected to the computer system, a selection of what vehicle sensor data to collect; a vehicle sensor module that, when executed by the processor of the computing device, causes the processor to receive vehicle sensor data from at least one vehicle sensor based on the selection of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of the vehicle; a vehicle operator environment data acquisition module that, when executed by the processor of the computing device, causes the processor to receive driver environment data from a plurality of position sensors, wherein a first sensor of the plurality of position sensors is mounted at a driver-side A-pillar, wherein a second sensor, a third sensor, a fourth sensor, and a fifth sensor of the plurality of position sensors are mounted at a bottom side of a rearview mirror opposite a rearview mirror mount, wherein vehicle operator environment data acquired from the first sensor, the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine a position and orientation of a head of the vehicle driver, a left hand of the vehicle driver, and a right hand of the vehicle driver, wherein vehicle operator environment data received from the first sensor is used to determine a gesture that is performed by the left hand of the driver, wherein the second sensor is an image sensor, the third sensor is an infrared sensor, the fourth sensor is an ultrasonic sensor, and the fifth sensor is a microphone, and wherein vehicle operator environment data received from the second sensor, the third sensor, the fourth sensor, and the fifth sensor is used to determine if the head of the vehicle driver is oriented towards a cellular telephone within the right hand of the vehicle driver; and a vehicle operator environment monitoring module that, when executed by the processor of the computing device, causes the processor to determine a real-time operating environment of the driver based on the received driver environment data and the received vehicle sensor data, wherein the real-time operating environment of the driver is indicative that the vehicle driver is inattentive to the road if the head of the vehicle driver is oriented towards the cellular telephone within the right hand of the vehicle driver, wherein the real-time operating environment is indicative that the vehicle driver is attentive to the road if the head of the vehicle driver is not oriented towards the cellular telephone within the right hand of the vehicle driver, and wherein the real-time operating environment data is indicative of a position of the left hand of the vehicle driver relative to a steering wheel, and to generate at least one of;
a driver warning or a driver advisory based on the determined real-time operating environment, to improve a driving behavior of the driver, wherein the driver warning or the driver advisory is displayed to the driver via the client device. - View Dependent Claims (17, 18, 19, 20)
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Specification