Computerized sysem and method for data acquistion and application of disparate data to two stage bayesian networks to generate centrally maintained portable driving score data
First Claim
1. A computerized method for defining distilled portable driver scores using staged Bayesian belief networks and telematics data comprising:
- transmitting, by a driver rating computer system communication device coupled to a driver rating computer system, to a driving behavior vendor computer system, a request for driving behavior scores data based on vehicle sensor telematics data corresponding to a plurality of drivers generated by one or more sensors installed in vehicles of the plurality of drivers, wherein each driving behavior score is based on the vehicle sensor telematics data corresponding to each of the plurality of drivers;
receiving, by the driver rating computer system communication device from the driving behavior vendor computer system, the driving behavior scores data corresponding to the plurality of drivers;
transmitting, by the driver rating computer system communication device to a credit bureau computer system, a request for credit scores data corresponding to the plurality of drivers;
receiving, by the driver rating computer system communication device from the credit bureau computer system, the credit scores data corresponding to each of the plurality of drivers;
transmitting, by the driver rating computer system communication device to a plurality of department of motor vehicle (DMV) computer systems, requests for moving violations data corresponding to each of the plurality of drivers;
receiving, by the driver rating computer system communications device from the plurality of department of motor vehicle (DMV) computer systems, the moving violations data corresponding to each of the plurality of drivers;
applying, the moving violations data corresponding to each of the plurality of drivers to a first Bayesian belief network stored on the driver rating computer system;
generating, by the driver rating computer system based on application of the moving violations data corresponding to each of the plurality of drivers to the first Bayesian belief network, public record score data for each of the plurality of drivers;
applying, by the driver rating computer system, the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to a second Bayesian belief network store on the driver rating computer system;
generating, by the driver rating computer system based on application of the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to the second Bayesian belief network, distilled portable combined driver score data comprising a professional credential for each of the plurality of drivers;
storing, by the driver rating computer system, the portable combined driver score data generated by the staged Bayesian belief networks for each of the plurality of drivers in a driver rating computer system computerized database;
receiving, by the driver rating computer system communication device from one of an insurance company computer system and a fleet operator computer system, a query for distilled portable combined driver score data for a particular driver; and
responsive to receipt of the query, transmitting by the driver rating computer system communication device to the one of the insurance company computer system and the fleet operator computer system, the distilled portable combined driver score data generated by the staged Bayesian belief networks for the particular driver.
1 Assignment
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Accused Products
Abstract
A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.
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Citations
19 Claims
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1. A computerized method for defining distilled portable driver scores using staged Bayesian belief networks and telematics data comprising:
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transmitting, by a driver rating computer system communication device coupled to a driver rating computer system, to a driving behavior vendor computer system, a request for driving behavior scores data based on vehicle sensor telematics data corresponding to a plurality of drivers generated by one or more sensors installed in vehicles of the plurality of drivers, wherein each driving behavior score is based on the vehicle sensor telematics data corresponding to each of the plurality of drivers; receiving, by the driver rating computer system communication device from the driving behavior vendor computer system, the driving behavior scores data corresponding to the plurality of drivers; transmitting, by the driver rating computer system communication device to a credit bureau computer system, a request for credit scores data corresponding to the plurality of drivers; receiving, by the driver rating computer system communication device from the credit bureau computer system, the credit scores data corresponding to each of the plurality of drivers; transmitting, by the driver rating computer system communication device to a plurality of department of motor vehicle (DMV) computer systems, requests for moving violations data corresponding to each of the plurality of drivers; receiving, by the driver rating computer system communications device from the plurality of department of motor vehicle (DMV) computer systems, the moving violations data corresponding to each of the plurality of drivers; applying, the moving violations data corresponding to each of the plurality of drivers to a first Bayesian belief network stored on the driver rating computer system; generating, by the driver rating computer system based on application of the moving violations data corresponding to each of the plurality of drivers to the first Bayesian belief network, public record score data for each of the plurality of drivers; applying, by the driver rating computer system, the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to a second Bayesian belief network store on the driver rating computer system; generating, by the driver rating computer system based on application of the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to the second Bayesian belief network, distilled portable combined driver score data comprising a professional credential for each of the plurality of drivers; storing, by the driver rating computer system, the portable combined driver score data generated by the staged Bayesian belief networks for each of the plurality of drivers in a driver rating computer system computerized database; receiving, by the driver rating computer system communication device from one of an insurance company computer system and a fleet operator computer system, a query for distilled portable combined driver score data for a particular driver; and responsive to receipt of the query, transmitting by the driver rating computer system communication device to the one of the insurance company computer system and the fleet operator computer system, the distilled portable combined driver score data generated by the staged Bayesian belief networks for the particular driver. - View Dependent Claims (2, 3, 4, 9, 11, 12, 17, 18, 19)
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5. A computerized method defining distilled portable driver scores using staged Bayesian belief networks and telematics data comprising:
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transmitting, by a driver rating computer system communication device coupled to a driver rating computer system, to a driving behavior vendor computer system, a request for driving behavior scores data based on vehicle sensor telematics data corresponding to a plurality of drivers generated by one or more sensors installed in vehicles of the plurality of drivers; receiving, by the driver rating computer system communication device from the driving behavior vendor computer system, the driving behavior scores data based on vehicle sensor telematics data corresponding to the plurality of drivers; transmitting, by the driver rating computer system communication device from to a credit bureau computer system, a request for credit scores data corresponding to the plurality of drivers; receiving, by the driver rating computer system communication device from the credit bureau computer system, the credit scores data corresponding to each of the plurality of drivers; transmitting, by the driver rating computer system communication device to a plurality of department of motor vehicle computer systems, a request for moving violations data corresponding to each of the plurality of drivers; receiving, by the driver rating computer system communications device from the plurality of department of motor vehicle computer systems, the moving violations data corresponding to each of the plurality of drivers; applying the moving violations data corresponding to each of the plurality of drivers to a first Bayesian belief network accessible by the driver rating computer system; generating, by the driver rating computer system based on application of the moving violations data corresponding to each of the plurality of drivers to the first Bayesian belief network, public record score data for each of the plurality of drivers; applying, by the driver rating computer processor, the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to a second Bayesian belief network accessible by the driver rating computer system; generating, by the driver rating computer system based on application of the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to the second Bayesian belief network, distilled portable combined driver score data comprising a professional credential for each of the plurality of drivers; storing the portable combined score data generated by the staged Bayesian belief networks for each of the plurality of drivers in a computerized database; receiving, by the driver rating computer system communication device from an insurance company computer system, a request for the portable combined driver score data for a driver; and responsive to the receipt of the request, transmitting, by the driver rating computer system communication device to the insurance company computer system, driver score profile data including the portable combined score data generated by the staged Bayesian belief networks for the driver. - View Dependent Claims (10, 13, 14)
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6. A telematics based computer system for generating distilled portable driver scores using staged Bayesian belief networks, comprising:
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a data storage device storing a first Bayesian belief network and a second Bayesian belief network; a first computer processor in communication with the data storage device; a communication device; and a first program memory, coupled to the first computer processor, storing program instruction steps for execution by the first computer processor, the first computer processor operative pursuant to the stored program instruction steps to; transmit, by the communication device to a driving behavior vendor computer system, a request for driving behavior scores data based on vehicle sensor telematics data corresponding to a plurality of drivers generated by one or more sensors installed in vehicles of the plurality of drivers, wherein each driving behavior score is based on vehicle sensor telematics data corresponding to each of the plurality of drivers; receive, by the communication device from the driving behavior vendor computer system, the driving behavior scores data corresponding to the plurality of drivers; transmit, by the communication device to a credit bureau computer system, a request for credit scores data corresponding to the plurality of drivers; receive, by the communication device from the credit bureau computer system, the credit scores data corresponding to each of the plurality of drivers; transmit, by the communication device to a plurality of department of motor vehicle computer systems, a request for moving violations data corresponding to each of the plurality of drivers; receive, by the communications device from the plurality of department of motor vehicle computer systems, the moving violations data corresponding to each of the plurality of drivers; apply the moving violations data corresponding to each of the plurality of drivers to the first Bayesian belief network stored on the data storage device; generate, based on application of the moving violations data corresponding to each of the plurality of drivers to the first Bayesian belief network, public record score data for each of the plurality of drivers; apply the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to the second Bayesian belief network stored on the data storage device; generate, based on application of the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to the second Bayesian belief network stored on the data storage device, distilled portable combined driver score data for each of the plurality of drivers comprising a professional credential for each of the plurality of drivers; and store the portable combined score data generated by the staged Bayesian belief networks for each of the plurality of drivers in the data storage device. - View Dependent Claims (7, 8, 15, 16)
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Specification