×

Risk evaluation based on vehicle operator behavior

  • US 10,121,205 B1
  • Filed: 01/08/2015
  • Issued: 11/06/2018
  • Est. Priority Date: 03/15/2013
  • Status: Active Grant
First Claim
Patent Images

1. A method comprising:

  • generating, in a motion sensing device disposed in a vehicle and adapted to monitor movements of a vehicle operator, sensor data;

    pre-processing, in an on-board computer of the vehicle, the sensor data to generate data about vehicle operator behavior, wherein pre-processing the sensor data includes identifying a plurality of types of movement of the vehicle operator;

    retrieving, by a computing device disposed at a location different from a location of the vehicle, the data about vehicle operator behavior from the vehicle via a computer network;

    clustering, by one or more processors of the computing device that are specifically configured by a first routine, the data about vehicle operator behavior into a plurality of groups of data, each of the plurality of groups of data representing a different one of the plurality of types of movement of the vehicle operator;

    determining, by the one or more processors, a numerical level of risk corresponding to each of the plurality of groups of data by executing a learning routine specifically configured to determine the numerical level of risk based on correlations between types of movement of vehicle operators and levels of risk;

    generating, by the one or more processors, an insurance rate for an insurance product, wherein the insurance rate is consistent with the numerical levels of risk corresponding to each of the plurality of groups of data; and

    communicating, via the computer network, insurance costs for the insurance product according to the generated insurance rate to an owner of the insurance product.

View all claims
  • 1 Assignment
Timeline View
Assignment View
    ×
    ×