Providing insurance discounts based upon usage of telematics data-based risk mitigation and prevention functionality

• US 10,354,333 B1
• Filed: 01/07/2016
• Issued: 07/16/2019
• Est. Priority Date: 01/20/2015
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Hayward, Gregory
• Primary Examiner(s): Lemieux, Jessica
• Application Number:
  US14/990,073
• Time in Patent Office: 1,286 Days
• Field of Search: 705 4
• CPC Class Codes: B60K 35/00 Instruments specially adapted for vehicles; Arrangement of instruments in or on vehicles
• CPC Class Codes: B60Q 5/006 indicating risk of collision between vehicles or with pedestrians
• CPC Class Codes: B60W 40/10 related to vehicle motion
• CPC Class Codes: B60W 50/14 Means for informing the driver, warning the driver or prompting a driver intervention
• CPC Class Codes: G01C 21/005 with correlation of navigation data from several sources, e.g. map or contour matching G01C21/30 takes precedence
• CPC Class Codes: G01C 21/34 Route searching; Route guidance
• 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 21/3492 employing speed data or traffic data, e.g. real-time or historical traffic control systems for road vehicles involving transmission of navigation instructions to the vehicle G08G1/0968
• CPC Class Codes: G01C 21/36 Input/output arrangements for on-board computers
• CPC Class Codes: G01C 21/3655 Timing of guidance instructions
• CPC Class Codes: G01C 21/3667 Display of a road map G01C21/3614 takes precedence; guidance using 3D or perspective road maps G01C21/3635
• CPC Class Codes: G01C 21/367 Details, e.g. road map scale, orientation, zooming, illumination, level of detail, scrolling of road map or positioning of current position marker
• CPC Class Codes: G01C 21/3691 Retrieval, searching and output of information related to real-time traffic, weather, or environmental conditions arrangements for giving variable traffic instructions G08G1/09
• CPC Class Codes: G01S 19/13 Receivers
• CPC Class Codes: G01S 19/42 Determining position
• CPC Class Codes: G01S 19/47 the supplementary measurement being an inertial measurement, e.g. tightly coupled inertial
• CPC Class Codes: G01S 19/50 whereby the position solution is constrained to lie upon a particular curve or surface, e.g. for locomotives on railway tracks
• CPC Class Codes: G01S 19/51 Relative positioning
• CPC Class Codes: G05D 1/0278 using satellite positioning signals, e.g. GPS
• CPC Class Codes: G05D 1/0285 using signals transmitted via a public communication network, e.g. GSM network
• CPC Class Codes: G05D 1/225 : operated by off-board computers
• CPC Class Codes: G05D 1/229 : Command input data, e.g. waypoints
• CPC Class Codes: G05D 1/24 : Arrangements for determining position or orientation
• CPC Class Codes: G06Q 10/047 : Optimisation of routes or paths, e.g. travelling salesman problem
• CPC Class Codes: G06Q 40/08 : Insurance
• CPC Class Codes: G07C 5/008 : communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/02 : Registering or indicating driving, working, idle, or waiting time only apparatus forming part of taximeters G07B13/00
• CPC Class Codes: G08G 1/0112 : from the vehicle, e.g. floating car data [FCD]
• CPC Class Codes: G08G 1/012 : from other sources than vehicle or roadside beacons, e.g. mobile networks
• CPC Class Codes: G08G 1/0125 : Traffic data processing
• CPC Class Codes: G08G 1/0133 : for classifying traffic situation
• CPC Class Codes: G08G 1/0141 : for traffic information dissemination
• CPC Class Codes: G08G 1/052 : with provision for determining speed or overspeed speed measuring in general G01P
• CPC Class Codes: G08G 1/091 : Traffic information broadcasting broadcasting communication H04H
• CPC Class Codes: G08G 1/093 : Data selection, e.g. prioritizing information, managing message queues, selecting the information to be output
• CPC Class Codes: G08G 1/0965 : responding to signals from another vehicle, e.g. emergency vehicle
• CPC Class Codes: G08G 1/096725 : where the received information generates an automatic action on the vehicle control
• CPC Class Codes: G08G 1/096783 : where the origin of the information is a roadside individual element
• CPC Class Codes: G08G 1/096827 : where the route is computed onboard
• CPC Class Codes: G08G 1/096844 : where the complete route is dynamically recomputed based on new data
• CPC Class Codes: G08G 1/096855 : where the output is provided in a suitable form to the driver details on I/O arrangements for onboard navigation computers G01C21/36
• CPC Class Codes: G08G 1/096883 : where input information is obtained using a mobile device, e.g. a mobile phone, a PDA
• CPC Class Codes: G08G 1/127 : to a central station ; Indicators in a central station
• CPC Class Codes: G08G 1/16 : Anti-collision systems road vehicle drive control systems for predicting or avoiding probable or impending collision otherwise than by control of a particular sub-unit B60W30/08
• CPC Class Codes: G08G 1/162 : event-triggered
• CPC Class Codes: G08G 1/166 : for active traffic, e.g. moving vehicles, pedestrians, bikes
• CPC Class Codes: G08G 7/02 : Anti-collision systems
• CPC Class Codes: H04L 65/611 : for multicast or broadcast systems for broadcast or conference H04L12/18; arrangements for broadcast or distribution combined with broadcast H04H20/00; arrangements for broadcast applications with a direct linkage to broadcast information or to broadcast space-time H04H60/00; selective distribution of broadcast services, e.g. multimedia broadcast multicast service [MBMS], H04W4/06
• CPC Class Codes: H04L 67/12 : specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04L 67/52 : specially adapted for the location of the user terminal
• CPC Class Codes: H04Q 2209/40 : using a wireless architecture
• CPC Class Codes: H04Q 9/00 : Arrangements in telecontrol or telemetry systems for selectively calling a substation from a main station, in which substation desired apparatus is selected for applying a control signal thereto or for obtaining measured values therefrom
• CPC Class Codes: H04W 4/027 : using movement velocity, acceleration information
• CPC Class Codes: H04W 4/06 : Selective distribution of broadcast services, e.g. multimedia broadcast multicast service [MBMS]; Services to user groups; One-way selective calling services
• CPC Class Codes: H04W 4/40 : for vehicles, e.g. vehicle-to-pedestrians [V2P]

Abstract

A computer-implemented method of updating an auto insurance policy is provided. The method may include (1) determining that a customer'"'"'s mobile device has a Telematics Application (“App”) installed on it, the Telematics App configured to (i) receive telematics data associated with another vehicle via a wireless communication broadcast; (ii) determine a travel event from analysis of the telematics data received, and (iii) generate a corrective action based upon the telematics data received or travel event determined that alleviates the risk of vehicle collision. The method may also include (2) monitoring, with the customer'"'"'s permission, an amount or percentage of usage of the Telematics App on the customer'"'"'s mobile device while the customer is driving in an insured vehicle; and (3) adjusting an insurance policy premium or discount based upon usage of the Telematics App to facilitate rewarding risk-averse drivers and encourage usage of risk mitigation or prevention technology.

Claims

1. A computer-implemented method of updating an auto insurance policy, the method comprising:

identifying or determining, via one or more processors associated with a remote server, whether an insurance customer'"'"'s mobile device has a Telematics Application (“

App”

) installed thereon, the Telematics App configured to (i) receive telematics data associated with at least one originating vehicle in a broadcast via wireless communication or data transmission, wherein the telematics data includes speed, acceleration, deceleration, location, lane information, time, braking, acceleration, left turn, right turn, heading, GPS (Global Positioning System) speed, GPS latitude and longitude, gyroscope data, battery level, and/or telephone usage information associated with the originating vehicle, or a mobile device traveling within the originating vehicle, (ii) determine a travel event from an analysis of the telematics data received, and (iii) generate a corrective action based upon (i) the telematics data received or (ii) the travel event determined, which alleviates the risk of vehicle collision;

monitoring or tracking, via the one or more processors, with the customer'"'"'s permission, an amount of time or mileage-based usage of the Telematics App on the insurance customer'"'"'s mobile device while the insured customer is driving in an insured vehicle, wherein the insured vehicle is distinct from the at least one originating vehicle; and

updating or adjusting, via the one or more processors, an insurance policy premium or discount based upon the amount of time or mileage-based usage of the Telematics App while the insurance customer drove the insured vehicle to facilitate rewarding risk-averse drivers and encourage usage of risk-mitigation or prevention technology.

2. The computer-implemented method of claim 1, wherein the Telematics App is configured to collect, generate, or broadcast telematics data that includes data selected from one or more of, and not limited to all of:

a timestamp;

one or more sensor metrics indicative of braking motion of the insured vehicle;

one or more sensor metrics indicative of acceleration motion of the insured vehicle;

one or more sensor metrics indicative of cornering motion of the insured vehicle;

one or more sensor metrics indicative of a direction of the insured vehicle;

one or more sensor metrics indicative of a usage of the mobile device;

a battery level associated with the mobile device; and

a usage indicator associated with time-based or mileage-based usage of the mobile device and/or the Telematics App executing thereon.

3. The computer-implemented method of claim 2, wherein the Telematics App is configured to periodically broadcast the telematics data collected or generated by various mobile device sensors to nearby vehicles, mobile devices, or smart infrastructure.

4. The computer-implemented method of claim 1, wherein the corrective action includes generating, providing, or displaying an audible or visual alert or recommendation for the driver of the insured vehicle.

5. The computer-implemented method of claim 1, wherein the corrective action includes calculating an alternate route to a destination that avoids the travel event and displaying the alternate route.

6. The computer-implemented method of claim 1, wherein the corrective action includes (i) receiving an alternate route that avoids the travel event;

or (ii) re-routing the insured vehicle while moving to avoid an area associated with the travel event.

7. A computer-implemented method of updating an auto insurance policy, the method comprising:

identifying or determining, via one or more processors associated with a remote server, whether an insurance customer'"'"'s mobile device has a Telematics Application (“

App”

) installed thereon, the Telematics App configured to (i) receive telematics data associated with at least one originating vehicle in a broadcast via wireless communication or data transmission, wherein the telematics data includes speed, acceleration, deceleration, location, lane information, time, braking, acceleration, left turn, right turn, heading, GPS (Global Positioning System) speed, GPS latitude and longitude, gyroscope data, battery level, and/or telephone usage information associated with the originating vehicle, or a mobile device traveling within the originating vehicle, (ii) determine a travel event from analysis of the telematics data received, and (iii) generate a corrective action based upon (i) the telematics data received or (ii) the travel event determined, which alleviates the risk of vehicle collision; and

updating or adjusting, via the one or more processors, an insurance policy premium or discount based upon (a) the insurance customer'"'"'s mobile device having the Telematics App installed, or (b) a percentage of an insured vehicle usage during which the Telematics App is executing on the mobile device, wherein the insured vehicle is distinct from the at least one originating vehicle, to facilitate rewarding risk-averse drivers and encourage usage of risk-mitigation or prevention technology.

8. The computer-implemented method of claim 7, wherein the Telematics App is configured to collect, generate, or broadcast telematics data that includes data selected from one or more of, and not limited to all of:

a timestamp;

one or more sensor metrics indicative of braking motion of the insured vehicle;

one or more sensor metrics indicative of acceleration motion of the insured vehicle;

one or more sensor metrics indicative of cornering motion of the insured vehicle;

one or more sensor metrics indicative of a direction of the insured vehicle;

one or more sensor metrics indicative of a usage of the mobile device;

a battery level associated with the mobile device; and

a usage indicator associated with time-based or mileage-based usage of the mobile device and/or the Telematics App executing thereon.

9. The computer-implemented method of claim 8, wherein the Telematics App is configured to periodically broadcast, or direct the transmission of, the telematics data collected or generated by various mobile device sensors to nearby vehicles, mobile devices, or smart infrastructure.

10. The computer-implemented method of claim 7, wherein the corrective action includes generating, providing, or displaying an audible or visual alert or recommendation for the driver of the insured vehicle.

11. The computer-implemented method of claim 7, wherein the corrective action includes calculating an alternate route to a destination that avoids the travel event and displaying the alternate route.

12. The computer-implemented method of claim 7, wherein the corrective action includes

(i) receiving an alternate route that avoids the travel event, or (ii) re-routing the insured vehicle while moving to avoid an area associated with the travel event.

13. A remote server configured to update an auto insurance policy, the remote server comprising one or more processors configured to:

identify, determine, or track whether an insurance customer'"'"'s mobile device has a Telematics Application (“

App”

) installed thereon, the Telematics App configured to (i) receive telematics data associated with at least one originating vehicle in a broadcast via wireless communication or data transmission, wherein the telematics data includes speed, acceleration, deceleration, location, lane information, time, braking, acceleration, left turn, right turn, heading, GPS (Global Positioning System) speed, GPS latitude and longitude, gyroscope data, battery level, and/or telephone usage information associated with the originating vehicle, or a mobile device traveling within the originating vehicle, (ii) determine a travel event from analysis of the telematics data received, and (iii) generate a corrective action based upon (i) the telematics data received or (ii) the travel event determined, which alleviates the risk of vehicle collision;

monitor or track, with the customer'"'"'s permission, based upon telematics data received by a remote server via wireless communication or data transmission from the insurance customer'"'"'s mobile device, time-based or mileage-based usage of the Telematics App on the insurance customer'"'"'s mobile device while the insurance customer is driving an insured vehicle, wherein the insured vehicle is distinct from the at least one originating vehicle; and

update or adjust an insurance policy premium or discount based upon the time-based usage or mileage-based usage of the Telematics App by the insurance customer'"'"'s mobile device while the insurance customer drove the insured vehicle to facilitate rewarding risk-averse drivers and encourage usage of risk-mitigation or prevention technology.

14. The remote server of claim 13, wherein the Telematics App is configured to collect, generate, or broadcast telematics data, the telematics data including data selected from one or more of, and not limited to all of:

a timestamp;

one or more sensor metrics indicative of braking motion of the insured vehicle;

one or more sensor metrics indicative of acceleration motion of the insured vehicle;

one or more sensor metrics indicative of cornering motion of the insured vehicle;

one or more sensor metrics indicative of a direction of the insured vehicle;

one or more sensor metrics indicative of a usage of the mobile device;

a battery level associated with the mobile device; and

a usage indicator associated with time-based or mileage-based usage of the mobile device and/or the Telematics App executing thereon.

15. The remote server of claim 13, wherein the Telematics App is configured to periodically broadcast the telematics data collected or generated by various mobile device sensors to nearby vehicles, mobile devices, and/or smart infrastructure.

16. The remote server of claim 13, wherein the corrective action includes (i) generating, providing, and/or displaying an alert for the driver of the insured vehicle;

(ii) calculating an alternate route to a destination that avoids the travel event and displaying the alternate route;

(iii) receiving an alternate route that avoids the travel event; and

(iv) re-routing the insured vehicle while moving to avoid an area associated with the travel event.