System and method for identifying primary and secondary movement using spectral domain analysis

• US 10,304,138 B2
• Filed: 05/15/2014
• Issued: 05/28/2019
• Est. Priority Date: 05/15/2014
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Menon, Sunish Shreenarayan, Dosher, David James, Christensen, Scott Thomas
• Primary Examiner(s): Ebersman, Bruce I
• Assistant Examiner(s): Anderson, John A
• Application Number:
  US14/277,848
• Publication Number:
  US 20150332408A1
• Time in Patent Office: 1,839 Days
• Field of Search: 705 4, 705 35- 44
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/085 using electronic data carriers

Abstract

A computer implemented method for determining a primary movement window from a vehicle trip is presented. A data server may receive a plurality of telematics data originating from a client computing device and summarize the plurality of telematics data at a specified sample rate. The data server may also select one or more data points from the plurality of telematics data and determine that the selected data points meets a threshold value. The data server may further identify a first primary movement and constant speed windows including the data points and associate the first primary movement and constant speed windows with a customer account and auto insurance risk.

Claims

1. A computer implemented method for determining a primary movement window from a vehicle trip, the method comprising:

placing a client computing device in a vehicle, wherein the client computing device is free to move with respect to movement of the vehicle;

receiving, via a computer network, a plurality of telematics data corresponding to a trip of a moving vehicle and originating from the client computing device placed in the vehicle, wherein the client computing device includes an accelerometer;

summarizing, by one or more processors, the plurality of telematics data at a specified sample rate;

converting, by one or more processors, the plurality of telematics data from a time domain to a spectral domain;

selecting, by the one or more processors, one or more data points from the converted telematics data;

determining, by the one or more processors, that a total spectral power of the selected data points meets a threshold value;

identifying, by the one or more processors, a first primary movement window including the selected data points in the plurality of telematics data if the total spectral power of the selected data points does not meet the threshold value, wherein the identified first primary movement window is indicative of the accelerometer being static with respect to the moving vehicle and a total spectral power of the selected data points that meets the threshold value is indicative of the accelerometer moving with respect to the moving vehicle while in the moving vehicle;

identifying, by the one or more processors, a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data;

comparing, by the one or more processors, the diagonal and the off-diagonal data points with a first threshold value; and

determining, by the one or more processors, whether at least one of the diagonal or the off-diagonal data points is above the first threshold value.

2. The method of claim 1 further comprising:

determining, by the one or more processors, whether at least one of the diagonal or the off-diagonal data points are below a second threshold value.

3. The method of claim 1 further comprising:

determining, by the one or more processors, a vehicle insurance risk using at least the first primary movement window.

4. A computer device for determining a primary movement window from a vehicle trip, placing a client computing device in a vehicle, wherein the computer device is placed in a vehicle and free to move with respect to movement of the vehicle, the computer device comprising:

one or more processors; and

one or more memories coupled to the one or more processors;

the one or more memories including non-transitory computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to;

receive, via a computer network, a plurality of telematics data originating from a client computing device, wherein the client computing device includes an accelerometer, is placed in a vehicle and free to move with respect to movement of the vehicle;

summarize the plurality of telematics data at a specified sample rate;

convert the plurality of telematics data from a time domain to a spectral domain;

select one or more data points from the converted telematics data;

determine that a total spectral power of the selected data points meet a threshold value;

identify a first primary movement window including the selected data points if the total spectral power of the selected data points does not meet the threshold value, wherein the identified first primary movement window has a total spectral power that does not meet a threshold spectral value, the primary movement window being indicative of the accelerometer being static with respect to the moving vehicle while in the vehicle and a total spectral power of the selected data points that meets the threshold value is indicative of the accelerometer moving with respect to the moving vehicle while in the moving vehicle;

identify a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data;

compare the diagonal and the off-diagonal data points with first threshold value; and

determine whether at least one of the diagonal or the off-diagonal data points is above the first threshold value.

5. The computer device of claim 4, further comprising non-transitory computer executable instructions to cause the one or more processors to:

compare the diagonal and the off-diagonal data points with a threshold value; and

determine whether at least one of the diagonal or the off-diagonal data points are below a second threshold value.

6. A computer device of claim 4 further comprising:

determining an auto insurance risk using at least the primary movement window.