Route risk mitigation

• US 10,229,462 B2
• Filed: 08/03/2015
• Issued: 03/12/2019
• Est. Priority Date: 05/10/2007
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Bogovich, Jason Brian, Jordan Peters, Julie A.
• Primary Examiner(s): Khatib, Rami
• Application Number:
  US14/816,336
• Publication Number:
  US 20160171621A1
• Time in Patent Office: 1,317 Days
• Field of Search: None
• CPC Class Codes: G01C 21/26 specially adapted for navigation in a road network
• CPC Class Codes: G01C 21/3407 specially adapted for specific applications
• CPC Class Codes: G01C 21/3415 Dynamic re-routing, e.g. recalculating the route when the user deviates from calculated route or after detecting real-time traffic data or accidents
• CPC Class Codes: G01C 21/3461 Preferred or disfavoured areas, e.g. dangerous zones, toll or emission zones, intersections, manoeuvre types, segments such as motorways, toll roads, ferries
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G08G 1/096816 where the complete route is transmitted to the vehicle at once
• CPC Class Codes: G08G 1/096827 where the route is computed onboard
• CPC Class Codes: G08G 1/096838 where the user preferences are taken into account or the user selects one route out of a plurality
• CPC Class Codes: G08G 1/205 Indicating the location of the monitored vehicles as destination, e.g. accidents, stolen, rental
• CPC Class Codes: H04W 4/024 Guidance services
• CPC Class Codes: H04W 4/029 Location-based management or tracking services
• CPC Class Codes: H04W 4/40 for vehicles, e.g. vehicle-to-pedestrians [V2P]

Abstract

A method is disclosed for mitigating the risks associated with driving by assigning risk values to road segments and using those risk values to select less risky travel routes. Various approaches to helping users mitigate risk are presented. A computing device is configured to generate a database of risk values. That device may receive accident information, geographic information, vehicle information, and other information from one or more data sources and calculate a risk value for the associated road segment. Subsequently, the computing device may provide the associated risk value to other devices. Furthermore, a personal navigation device may receive travel route information and use that information to retrieve risk values for the road segments in the travel route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy. This and other aspects relating to using geographically encoded information to promote and reward risk mitigation are disclosed.

Claims

1. A computing device comprising:

a processor; and

a computer memory storing instructions that, when executed by the processor, cause the computing device to;

receive, from an enhanced global positioning system (GPS) unit, location information identifying a current location of a vehicle traveling between at least a first location and a second location, wherein the location information is received in real-time from the enhanced GPS unit while the vehicle is traveling between the first location and the second location;

while the vehicle is traveling between the first location and the second location, identify a plurality of routes for the vehicle between the first location and the second location based on the location information received from the enhanced GPS unit;

while the vehicle is traveling between the first location and the second location, calculate a plurality of safety risk scores for the plurality of routes for the vehicle between the first location and the second location, each safety risk score of the plurality of safety risk scores corresponding to a particular route of the plurality of routes for the vehicle between the first location and the second location, wherein calculating each safety risk score of the plurality of safety risk scores comprises calculating the safety risk score of the plurality of safety risk scores based on a direction of travel of the vehicle through at least one segment of the corresponding route of the plurality of routes, wherein movement of the vehicle through the at least one segment in a first direction is associated with a first risk value and movement of the vehicle through the at least one segment in a second direction opposite to the first direction is associated with a second risk value different from the first risk value;

based on calculating the plurality of safety risk scores for the plurality of routes for the vehicle between the first location and the second location, assign a plurality of indicators to the plurality of routes for the vehicle between the first location and the second location, each indicator of the plurality of indicators corresponding to a particular route of the plurality of routes, and each indicator of the plurality of indicators being assigned to the corresponding route of the plurality of routes based on the safety risk score of the plurality of safety risk scores calculated for the corresponding route of the plurality of routes;

while the vehicle is traveling between the first location and the second location, generate, for the enhanced GPS unit, an alert comprising display information configured to cause the enhanced GPS unit to display at least two routes of the plurality of routes for the vehicle between the first location and the second location in different colors based on the at least two routes of the plurality of routes having been assigned different indicators of the plurality of indicators; and

while the vehicle is traveling between the first location and the second location, send, to the enhanced GPS unit, the alert generated for the enhanced GPS unit, wherein sending the alert generated for the enhanced GPS unit to the enhanced GPS unit causes the enhanced GPS unit to display the at least two routes of the plurality of routes for the vehicle between the first location and the second location in different colors based on the at least two routes of the plurality of routes having been assigned different indicators of the plurality of indicators while the vehicle is traveling between the first location and the second location.

2. The computing device of claim 1, wherein the first location corresponds to a start location associated with a particular segment of a first route of the plurality of routes and the second location corresponds to an end location of the particular segment of the first route of the plurality of routes.

3. The computing device of claim 1, wherein the computer memory stores additional instructions that, when executed by the processor, cause the computing device to receive diagnostic information from an onboard diagnostic system of the vehicle, the diagnostic information received from the onboard diagnostic system of the vehicle comprising information identifying a consumption of safety risk units monitored and recorded by the onboard diagnostic system of the vehicle based on one or more safety risk scores associated with one or more routes traveled by the vehicle.

4. The computing device of claim 1, wherein the plurality of safety risk scores calculated for the plurality of routes for the vehicle between the first location and the second location are determined independent of a specific driver of the vehicle.

5. The computing device of claim 1, wherein a first indicator of the plurality of indicators corresponds to a first color associated with a relatively higher safety risk score of the plurality of safety risk scores being calculated for the corresponding route of the plurality of routes, and a second indicator of the plurality of indicators corresponds to a second color associated with a relatively lower safety risk score of the plurality of safety risk scores being calculated for the corresponding route of the plurality of routes.

6. The computing device of claim 1, wherein the computer memory stores additional instructions that, when executed by the processor, cause the computing device to:

calculate an amount of safety risk units consumed by the vehicle in traveling from the first location to the second location based on one or more safety risk scores of the plurality of safety risk scores associated with one or more routes of the plurality of routes that are taken by the vehicle in traveling from the first location to the second location; and

transmit the amount of safety risk units consumed by the vehicle in traveling from the first location to the second location over a network to a data store associated with an insurance company.

7. The computing device of claim 1, wherein sending the alert generated for the enhanced GPS unit to the enhanced GPS unit further causes the enhanced GPS unit to provide an audio output via a speaker associated with the enhanced GPS unit.

8. The computing device of claim 1, wherein the computer memory stores additional instructions that, when executed by the processor, cause the computing device to:

generate a notification for an account holder of a pay-as-you-drive vehicle insurance policy associated with the vehicle when a number of risk units consumed during a period of time is greater than an amount of risk units estimated to be consumed during the period of time.

9. A method comprising:

at a computing device comprising a processor and a computer memory storing instructions;

receiving, by the processor, from an enhanced global positioning system (GPS) unit, location information identifying a current location of a vehicle traveling between at least a first location and a second location, wherein the location information is received in real-time from the enhanced GPS unit while the vehicle is traveling between the first location and the second location;

while the vehicle is traveling between the first location and the second location, identifying, by the processor, a plurality of routes for the vehicle between the first location and the second location based on the location information received from the enhanced GPS unit;

while the vehicle is traveling between the first location and the second location, calculating, by the processor, a plurality of safety risk scores for the plurality of routes for the vehicle between the first location and the second location, each safety risk score of the plurality of safety risk scores corresponding to a particular route of the plurality of routes for the vehicle between the first location and the second location, wherein calculating each safety risk score of the plurality of safety risk scores comprises calculating the safety risk score of the plurality of safety risk scores based on a direction of travel of the vehicle through at least one segment of the corresponding route of the plurality of routes, wherein movement of the vehicle through the at least one segment in a first direction is associated with a first risk value and movement of the vehicle through the at least one segment in a second direction opposite to the first direction is associated with a second risk value different from the first risk value;

based on calculating the plurality of safety risk scores for the plurality of routes for the vehicle between the first location and the second location, assigning, by the processor, a plurality of indicators to the plurality of routes for the vehicle between the first location and the second location, each indicator of the plurality of indicators corresponding to a particular route of the plurality of routes, and each indicator of the plurality of indicators being assigned to the corresponding route of the plurality of routes based on the safety risk score of the plurality of safety risk scores calculated for the corresponding route of the plurality of routes;

while the vehicle is traveling between the first location and the second location, generating, by the processor, for the enhanced GPS unit, an alert comprising display information configured to cause the enhanced GPS unit to display at least two routes of the plurality of routes for the vehicle between the first location and the second location in different colors based on the at least two routes of the plurality of routes having been assigned different indicators of the plurality of indicators; and

while the vehicle is traveling between the first location and the second location, sending, by the processor, to the enhanced GPS unit, the alert generated for the enhanced GPS unit, wherein sending the alert generated for the enhanced GPS unit to the enhanced GPS unit causes the enhanced GPS unit to display the at least two routes of the plurality of routes for the vehicle between the first location and the second location in different colors based on the at least two routes of the plurality of routes having been assigned different indicators of the plurality of indicators while the vehicle is traveling between the first location and the second location.

10. The method of claim 9, wherein the first location corresponds to a start location associated with a particular segment of a first route of the plurality of routes and the second location corresponds to an end location of the particular segment of the first route of the plurality of routes.

11. The method of claim 9, comprising:

receiving, by the processor, diagnostic information from an onboard diagnostic system of the vehicle, the diagnostic information received from the onboard diagnostic system of the vehicle comprising information identifying a consumption of safety risk units monitored and recorded by the onboard diagnostic system of the vehicle based on one or more safety risk scores associated with one or more routes traveled by the vehicle.

12. The method of claim 9, wherein the plurality of safety risk scores calculated for the plurality of routes for the vehicle between the first location and the second location are determined independent of a specific driver of the vehicle.

13. The method of claim 9, wherein a first indicator of the plurality of indicators corresponds to a first color associated with a relatively higher safety risk score of the plurality of safety risk scores being calculated for the corresponding route of the plurality of routes, and a second indicator of the plurality of indicators corresponds to a second color associated with a relatively lower safety risk score of the plurality of safety risk scores being calculated for the corresponding route of the plurality of routes.

14. The method of claim 9, comprising:

calculating, by the processor, an amount of safety risk units consumed by the vehicle in traveling from the first location to the second location based on one or more safety risk scores of the plurality of safety risk scores associated with one or more routes of the plurality of routes that are taken by the vehicle in traveling from the first location to the second location; and

transmitting, by the processor, the amount of safety risk units consumed by the vehicle in traveling from the first location to the second location over a network to a data store associated with an insurance company.

15. The method of claim 9, wherein sending the alert generated for the enhanced GPS unit to the enhanced GPS unit further causes the enhanced GPS unit to provide an audio output via a speaker associated with the enhanced GPS unit.

16. The method of claim 9, comprising:

generating, by the processor, a notification for an account holder of a pay-as-you-drive vehicle insurance policy associated with the vehicle when a number of risk units consumed during a period of time is greater than an amount of risk units estimated to be consumed during the period of time.

17. One or more non-transitory computer-readable media storing instructions that, when executed by a computing device comprising a processor and a computer memory, cause the computing device to:

receive, from an enhanced global positioning system (GPS) unit, location information identifying a current location of a vehicle traveling between at least a first location and a second location, wherein the location information is received in real-time from the enhanced GPS unit while the vehicle is traveling between the first location and the second location;

while the vehicle is traveling between the first location and the second location, identify a plurality of routes for the vehicle between the first location and the second location based on the location information received from the enhanced GPS unit;

while the vehicle is traveling between the first location and the second location, calculate a plurality of safety risk scores for the plurality of routes for the vehicle between the first location and the second location, each safety risk score of the plurality of safety risk scores corresponding to a particular route of the plurality of routes for the vehicle between the first location and the second location, wherein calculating each safety risk score of the plurality of safety risk scores comprises calculating the safety risk score of the plurality of safety risk scores based on a direction of travel of the vehicle through at least one segment of the corresponding route of the plurality of routes, wherein movement of the vehicle through the at least one segment in a first direction is associated with a first risk value and movement of the vehicle through the at least one segment in a second direction opposite to the first direction is associated with a second risk value different from the first risk value;

based on calculating the plurality of safety risk scores for the plurality of routes for the vehicle between the first location and the second location, assign a plurality of indicators to the plurality of routes for the vehicle between the first location and the second location, each indicator of the plurality of indicators corresponding to a particular route of the plurality of routes, and each indicator of the plurality of indicators being assigned to the corresponding route of the plurality of routes based on the safety risk score of the plurality of safety risk scores calculated for the corresponding route of the plurality of routes;

while the vehicle is traveling between the first location and the second location, generate, for the enhanced GPS unit, an alert comprising display information configured to cause the enhanced GPS unit to display at least two routes of the plurality of routes for the vehicle between the first location and the second location in different colors based on the at least two routes of the plurality of routes having been assigned different indicators of the plurality of indicators; and

while the vehicle is traveling between the first location and the second location, send, to the enhanced GPS unit, the alert generated for the enhanced GPS unit, wherein sending the alert generated for the enhanced GPS unit to the enhanced GPS unit causes the enhanced GPS unit to display the at least two routes of the plurality of routes for the vehicle between the first location and the second location in different colors based on the at least two routes of the plurality of routes having been assigned different indicators of the plurality of indicators while the vehicle is traveling between the first location and the second location.

18. The one or more non-transitory computer-readable media of claim 17, wherein the first location corresponds to a start location associated with a particular segment of a first route of the plurality of routes and the second location corresponds to an end location of the particular segment of the first route of the plurality of routes.

19. The one or more non-transitory computer-readable media of claim 17, storing additional instructions that, when executed by the computing device, cause the computing device to:

receive diagnostic information from an onboard diagnostic system of the vehicle, the diagnostic information received from the onboard diagnostic system of the vehicle comprising information identifying a consumption of safety risk units monitored and recorded by the onboard diagnostic system of the vehicle based on one or more safety risk scores associated with one or more routes traveled by the vehicle.

20. The one or more non-transitory computer-readable media of claim 17, wherein the plurality of safety risk scores calculated for the plurality of routes for the vehicle between the first location and the second location are determined independent of a specific driver of the vehicle.