Computer system for determining geographic-location associated conditions

• US 10,217,169 B2
• Filed: 08/12/2014
• Issued: 02/26/2019
• Est. Priority Date: 12/31/2009
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Schumann, Jr., Douglas D., Carges, Alex M., Coleman, Mark S., Kogan, Roza E., Lim, Ben Jade, Peak, David F.
• Primary Examiner(s): Subramanian, Narayanswamy
• Application Number:
  US14/457,732
• Publication Number:
  US 20140350970A1
• Time in Patent Office: 1,659 Days
• Field of Search: 705 4, 705 35
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G08G 1/096775 where the origin of the information is a central station

Abstract

Pursuant to some embodiments, computer systems for generating safety scores relating to vehicle travel routes are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user'"'"'s location identified by user location data may be received over a communications network. A computer processing system may then be operated to generate a safety score associated with said use location data, the safety score being based on a plurality of loss risk factors associated with the user location data. A response, including the safety score, may then be transmitted to the user over the communications network.

Claims

1. A vehicle navigation enhancement computer system, comprising:

one or more data storage devices storing geocoded historical vehicle accident data and associated location data and geocoded historical test data associated with locations, the geocoded historical vehicle accident data and the geocoded historical test data corresponding to historical accidents that occurred before the request from the user device;

a predictive modeling computer system coupled to the one or more data storage devices and including one or more predictive models trained and verified with the stored geocoded vehicle accident data and associated location data and geocoded test data associated with locations to determine a kriging surface map overlay of geocoded vehicle accident risk factors and associated weights for determining a predicted safety score, an expected accident score, and a confidence band, for each point on the surface of the kriging surface map overlay based upon geocoded vehicle accident data at the each point and at surrounding points;

one or more computer processors of a safety scoring engine coupled to the predictive modeling computer system; and

a memory coupled to the one or more computer processors storing computer-readable program instructions, which instructions, when executed by the one or more computer processors of the safety scoring engine, cause the one or more computer processors to;

receive, from a remote user device via a communications network, a request for information associated with a proposed route;

apply at least one of the one or more trained and verified predictive models including at least the kriging surface map overlay, to data associated with the proposed route, to generate a safety score associated with the proposed route;

render, for transmission over the communications network and display on the remote user device, a safety score user preferences interface which includes selectable icons for selecting a level of warnings to be displayed and types of safety symbols to be displayed;

receive, from the remote user device, the selected level of warnings to be displayed and the selected types of safety information to be displayed;

output for transmission, by an application programming interface (API) over the communications network to the remote user device based on the selected level of warnings to be displayed and the selected types of safety information to be displayed, a safety data overlay including the safety score, the depictions of warnings, and the safety symbols, wherein the API is configured to integrate the safety overlay with external mapping services data generated by an external mapping services server and received by the remote user device to provide, on the remote user device, a graphical map display of the proposed route which includes a depiction of the safety overlay including the safety score, the warnings, and the symbols on the graphical map display.

2. The computer system of claim 1, wherein the stored vehicle accident data comprises police report data.

3. The computer system of claim 1, wherein the vehicle accident risk factors comprise one or more of time of day, visibility data, road condition information, and a driver age.

4. The computer system of claim 1, wherein the vehicle accident risk factors comprise real time weather information and current traffic information.

5. The computer system of claim 1, wherein the request for information associated with a proposed route comprises data indicative of a route.

6. The computer system of claim 1, wherein the request for information associated with a proposed route comprises data indicative of a current user location based on Global Position Satellite (GPS) data and destination data.

7. The computer system of claim 1, wherein the request for information associated with the proposed route comprises a request for information associated with a plurality of proposed routes;

and further comprising;

wherein applying the at least one of the one or more trained and verified predictive models including at least the kriging surface map overlay, comprises applying the at least one of the one or more trained and verified predictive models to the data associated with each of the plurality of proposed routes, to generate a safety score for each of the plurality of proposed routes; and

wherein outputting for transmission, by the API, the safety data comprises outputting, by the API based on the selected level of warnings to be displayed and the selected types of safety information to be displayed, the safety data overlay including the safety score, the depictions of warnings, and the safety symbols, for each of the plurality of proposed routes, wherein the API is configured to integrate the safety overlay including the safety data for each of the plurality of proposed routes with external mapping services data to provide, on the remote user device, a graphical map display of each of the plurality of proposed routes which includes a depiction of the corresponding safety score, the warnings, and the symbols on the graphical map display.

8. The computer system of claim 7, wherein the safety score for each of the plurality of proposed routes is updated in real time.

9. The computer system of claim 7, wherein the API is configured to integrate the safety data with the external mapping data by outputting a depiction of the plurality of proposed routes in a plurality of different colors on the graphical map display, wherein each different color corresponds to a relative safety score for a corresponding one of the plurality of proposed routes.

10. The computer system of claim 1, wherein the one or more safety symbols comprise one or more of a construction zone symbol, a weather alert symbol, a traffic hazard symbol, and a pothole symbol.

11. The computer system of claim 1, wherein the memory further includes instructions which cause the one or more computer processors to apply the at least one of the one or more trained and verified predictive models at least the kriging surface map overlay, to the data associated with the proposed route, to generate a plurality of safety sub-scores for different legs of the proposed route;

and

wherein the API is configured to integrate the safety data with the external mapping data by outputting a depiction of each of the plurality of safety sub-scores on the graphical map display.

12. The computer system of claim 1, wherein the stored geocoded vehicle accident data and associated location data for training and verifying the predictive modeling computer system comprises weather data, time data, road conditions data, intersections data, stop signs data, speed limits data, and traffic data.