System and method for telematics based driving route optimization

• US 10,229,460 B2
• Filed: 06/24/2014
• Issued: 03/12/2019
• Est. Priority Date: 06/24/2014
• 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: Brandman, Michael Louis, Thomas, Raphael Jermaine
• Primary Examiner(s): Robinson, Kito R
• Assistant Examiner(s): Tibljas, Shacole C
• Application Number:
  US14/313,210
• Publication Number:
  US 20150371336A1
• Time in Patent Office: 1,722 Days
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

In a computerized system, a route-based analysis may be performed relating to a commuting route for a customer of an insurance company. The insurance company may provide information to the customer based on the result of the analysis. The information may relate to an insurance policy premium quotation, or to suggested vehicle deceleration or acceleration to improve driving efficiency and/or safety.

Claims

1. A computerized method comprising:

rendering, on a display on a user computing device, a user interface for receiving commute data from the user including commute endpoints defining a starting point and an ending point of the commute and commute temporal data corresponding to a commute;

storing, in a computer data storage device by a computer processor coupled to the computer data storage device, the commute data received, via a communication interface unit coupled to the computer processor, from the user interface;

performing, by the computer processor, a route-based computerized analysis of the commuting data for the commute, said performing including;

determining a trajectory from the starting point of the commute to the ending point of the commute based on traffic density data;

calculating, based on a length of the trajectory from the starting point of the commute to the ending point of the commute, a width corresponding to the trajectory of the commute from the starting point of the commute to the ending point of the commute;

defining, based on the trajectory of the commute from the starting point of the commute to the ending point of the commute and the calculated width, a commuting region between the endpoints of the commute; and

analyzing incident experience data relevant to the defined region; and

transmitting, by the communication interface unit to the user computing device, a suggested driving route based on a result of the route-based computerized analysis, said transmitting occurring proximately in time with performance of said route-based analysis.

2. The method of claim 1, further comprising transmitting, by the communication interface unit to the user computing device, a premium for a proposed automobile insurance policy for which the user is seeking a quotation at an e-commerce website.

3. The method of claim 1, further comprising transmitting, by the communication interface unit to the user computing device, real-time information that reflects a policy rate adjustment based on a commute risk factor RF_C, the commute risk factor RF_C calculated as:

RF_C=(N_IC×

S_IC)÷

(N_IZ×

S_IZ);

where;

N_IC=number of incidents in said defined region;

S_IC=average severity of incidents in said defined region;

N_IZ=number of incidents in a zip code in which the user resides; and

S_IZ=average severity of incidents in the zip code in which the user resides.

4. The method of claim 1, wherein the route-based computerized analysis is based at least in part on historical claim data.

5. The method of claim 1, wherein the suggested driving route is transmitted to the user computing device while the user is driving.

6. The method of claim 1, wherein the route-based computerized analysis includes analysis of respective states of traffic signals along the suggested driving routes.

7. The method of claim 6, further comprising transmitting, by the communication interface unit to the user computing device, information indicative of a suggested acceleration or deceleration of the user'"'"'s vehicle.

8. A system comprising:

one or more storage devices storing commute data corresponding to a plurality of users;

a server communicatively coupled to the one or more storage devices comprising;

a communications interface unit configured to communicate with a plurality of user computing devices;

one or more computer processors configured to;

render, on a display on a user computing device, a user interface for receiving commute data from the user including commute endpoints defining a starting point and an ending point of the commute and commute temporal data corresponding to a commute;

perform a route-based computerized analysis of the commuting data for the commute to;

determine a trajectory from the starting point of the commute to the ending point of the commute based on traffic density data;

calculate, based on a length of the trajectory from the starting point of the commute to the ending point of the commute, a width corresponding to the trajectory of the commute from the starting point of the commute to the ending point of the commute;

define, based on the trajectory from the starting point of the commute to the ending point of the commute and the calculated width, a commuting region between the endpoints of the commute; and

analyze incident experience data relevant to the defined region; and

transmit, by the communications interface unit to the user computing device, a suggested driving route based on a result of the route-based computerized analysis, said transmitting information occurring proximately in time with performance of said route-based analysis.

9. The system of claim 8, wherein the one or more computer processors are further configured to transmit, by the communication interface unit to the user computing device, a premium for a proposed automobile insurance policy for which the user is seeking a quotation at an e-commerce website.

10. The system of claim 8, wherein the one or more computer processors are further configured to transmit, by the communication interface unit to the user computing device, real-time information that reflects a policy rate adjustment based on a commute risk factor RF_C, the commute risk factor RF calculated as:

RF_C=(N_IC×

S_IC)÷

(N_IZ×

S_IZ);

where;

N_IC=number of incidents in said defined region;

S_IC=average severity of incidents in said defined region;

N_IX=number of incidents in a zip code in which the user resides; and

S_IZ=average severity of incidents in the zip code in which the user resides.

11. The system of claim 8, wherein the route-based computerized analysis is based at least in part on historical claim data.

12. The system of claim 8, wherein the one or more computer processors transmits the suggested driving route for the user, while the user is driving.

13. The system of claim 8, wherein the route-based computerized analysis includes analysis of respective states of traffic signals along the suggested driving routes.

14. The system of claim 8, wherein the one or more computer processors are further configured to transmit, by the communication interface unit to the user computing device, information indicative of a suggested acceleration or deceleration of the user'"'"'s vehicle.