Encouraging safe driving using a remote vehicle starter and personalized insurance rates
First Claim
1. A non-transitory computer-readable medium having instructions stored thereon that, when executed by a processor of a mobile computing device, cause the mobile computing device to:
- transmit, to a remote starter device connected to an ignition system of a vehicle, a request to initiate ignition of the vehicle, where receipt of the request causes the remote starter device to initiate ignition of the vehicle;
receive, from the remote starter device upon ignition of the vehicle, an ignition confirmation message;
determine, responsive to receipt of the ignition confirmation message, that a user of the mobile computing device is a driver of the vehicle; and
transmit, to an insurance underwriting system in response to the receipt of the ignition confirmation message, an ignition notification message comprising data identifying the driver, where receipt of the ignition notification message by the insurance underwriting system causes the insurance underwriting system to create an ignition record;
wherein the insurance underwriting system determines a personalized insurance rate for the driver based, at least in part, on vehicle telematics data collected by the insurance underwriting system during operation of the vehicle after the ignition of the vehicle, where the vehicle telematics data characterizes the operation of the vehicle by the driver.
1 Assignment
0 Petitions
Accused Products
Abstract
A method of encouraging safe driving of a vehicle using a remote starter device installed at a vehicle is provided. The remote starter device may determine whether it is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device. When the remote starter device is in signal communication with the remote starter application, the remote starter device may permit ignition of the vehicle. When the remote starter device is not in signal communication with the remote starter application, the remote starter device may prevent ignition of the vehicle. The driver of the vehicle may be identified and a vehicle telematics device installed at the vehicle may provide vehicle telematics data to an insurance underwriting system. A personalized insurance rate for the driver may be determined based, at least in part, on the vehicle telematics data.
59 Citations
20 Claims
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1. A non-transitory computer-readable medium having instructions stored thereon that, when executed by a processor of a mobile computing device, cause the mobile computing device to:
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transmit, to a remote starter device connected to an ignition system of a vehicle, a request to initiate ignition of the vehicle, where receipt of the request causes the remote starter device to initiate ignition of the vehicle; receive, from the remote starter device upon ignition of the vehicle, an ignition confirmation message; determine, responsive to receipt of the ignition confirmation message, that a user of the mobile computing device is a driver of the vehicle; and transmit, to an insurance underwriting system in response to the receipt of the ignition confirmation message, an ignition notification message comprising data identifying the driver, where receipt of the ignition notification message by the insurance underwriting system causes the insurance underwriting system to create an ignition record; wherein the insurance underwriting system determines a personalized insurance rate for the driver based, at least in part, on vehicle telematics data collected by the insurance underwriting system during operation of the vehicle after the ignition of the vehicle, where the vehicle telematics data characterizes the operation of the vehicle by the driver. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification