Systems and methods for updating a driving tip model using telematics data

• US 10,417,714 B1
• Filed: 01/20/2017
• Issued: 09/17/2019
• Est. Priority Date: 09/06/2013
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Christensen, Scott, Dosher, David J., Peng, Jufeng, Hayward, Gregory, Messner, William
• Primary Examiner(s): Shudy, Angelina
• Application Number:
  US15/411,737
• Time in Patent Office: 970 Days
• Field of Search: 701 291, 705 4
• CPC Class Codes: B60W 10/00 Conjoint control of vehicle sub-units of different type or different function for propulsion of purely electrically-propelled vehicles with power supplied within the vehicle B60L50/00 - B60L58/00
• CPC Class Codes: G05B 15/02 electric
• 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: G07C 5/08 Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
• CPC Class Codes: G07C 5/0841 Registering performance data recording measured values G01D; information storage G11B
• CPC Class Codes: G08G 1/0112 from the vehicle, e.g. floating car data [FCD]
• CPC Class Codes: G08G 1/0129 for creating historical data or processing based on historical data
• CPC Class Codes: G08G 1/0133 for classifying traffic situation
• CPC Class Codes: G08G 1/017 identifying vehicles G08G1/015, G08G1/054 take precedence
• CPC Class Codes: G08G 1/052 with provision for determining speed or overspeed speed measuring in general G01P
• CPC Class Codes: G08G 1/096716 where the received information does not generate an automatic action on the vehicle control
• CPC Class Codes: G08G 1/096741 where the source of the transmitted information selects which information to transmit to each vehicle
• CPC Class Codes: G08G 1/09675 where a selection from the received information takes place in the vehicle
• CPC Class Codes: G08G 1/096775 where the origin of the information is a central station
• CPC Class Codes: H04W 4/00 Services specially adapted for wireless communication networks; Facilities therefor
• CPC Class Codes: H04W 4/024 Guidance services
• CPC Class Codes: H04W 4/029 Location-based management or tracking services

Abstract

Methods and systems for improving vehicular safety by utilizing a driving tip model are provided. According to embodiments, an analysis server can analyze telematics data associated with operation of one or more vehicles to identify driving tips that may be aimed to mitigate certain risks or warn of various conditions. The analysis server can provide the driving tips to the vehicles and, in response, receive updated telematics data from the vehicles that reflects operation data for the vehicles subsequent to receiving the driving tips. The analysis server can analyze the updated telematics data to associate certain driving tips with certain telematics data and identify effective driving tips and delivery techniques. The analysis server can update the driving tip model accordingly.

Claims

1. A computer implemented method of improving vehicular safety, the method comprising:

receiving, from an electronic device via a network, a set of telematics data associated with a vehicle operated by a vehicle operator, the vehicle operator having a first set of demographics, the set of telematics data (i) generated by a set of sensors including at least an accelerometer associated with the vehicle and (ii) received during operation of the vehicle;

analyzing, by one or more processors, the set of telematics data to (i) identify a hazardous risk, and (ii) identify, from a driving tip model, a driving tip that is associated with the set of telematics data;

detecting, from the set of telematics data, a certain behavior or pattern;

in response to detecting the certain behavior or pattern, providing, by the one or more processors at a first scheduled time, the driving tip as an electronic communication to the electronic device or to an account associated with the vehicle, wherein the set of sensors associated with the vehicle generates a set of updated telematics data at a second scheduled time after the driving tip is received;

after the set of sensors generates the set of updated telematics data at the second scheduled time after the driving tip is received, receiving, from the electronic device via the network, the set of updated telematics data;

determining, by the one or more processors based on the set of updated telematics data, an effectiveness of the driving tip; and

updating, by the one or more processors, the driving tip model to associate the effectiveness of the driving tip with the first set of demographics of the vehicle operator, wherein the effectiveness of the driving tip is further associated with a different set of demographics of an additional vehicle operator.

2. The method of claim 1, wherein analyzing the set of telematics data comprises:

supplementing the set of telematics data with supplemental information associated with the vehicle; and

identifying the driving tip based on the set of telematics data that was supplemented.

3. The method of claim 1, wherein analyzing the set of telematics data comprises:

analyzing the set of telematics data to identify the driving tip from the driving tip model, wherein the driving tip is one of a behavioral-based tip or a trip-based tip.

4. The method of claim 1, wherein detecting, from the set of telematics data, the certain behavior or pattern comprises:

detecting a vehicle operation event or a consistent pattern.

5. The method of claim 1, further comprising:

updating an insurance policy associated with the vehicle based on the driving tip model that was updated.

6. The method of claim 1, further comprising:

after determining the effectiveness of the driving tip, providing a message to the electronic device.

7. A system for improving vehicular safety, comprising:

a transceiver for receiving, from an electronic device via a network, a set of telematics data associated with a vehicle operated by a vehicle operator, the vehicle operator having a first set of demographics, the set of telematics data (i) generated by a set of sensors including at least an accelerometer associated with the vehicle and (ii) received during operation of the vehicle;

a memory storing the set of telematics data and a driving tip model; and

a processor interfacing with the transceiver and the memory, wherein the processor is configured to execute computer executable instructions stored in the memory to cause the processor to;

analyze the set of telematics data to (i) identify a hazardous risk, and (ii) identify, from the driving tip model, a driving tip that is associated with the set of telematics data,

detect, from the set of telematics data, a certain behavior or pattern,

in response to detecting the certain behavior or pattern, provide, via the transceiver at a first scheduled time, the driving tip as an electronic communication to the electronic device or to an account associated with the vehicle, wherein the set of sensors associated with the vehicle generates a set of updated telematics data at a second scheduled time after the driving tip is received,

after the set of sensors generates the set of updated telematics data at the second scheduled time after the driving tip is received, receive, from the electronic device via the transceiver, the set of updated telematics data,

determine, based on the set of updated telematics data, an effectiveness of the driving tip, and

update the driving tip model to associate the effectiveness of the driving tip with the first set of demographics of the vehicle operator, wherein the effectiveness of the driving tip is further associated with a different set of demographics of an additional vehicle operator.

8. The system of claim 7, wherein to analyze the set of telematics data, the processor is configured to:

supplement the set of telematics data with supplemental information associated with the vehicle, and

identify the driving tip based on the set of telematics data that was supplemented.

9. The system of claim 7, wherein the driving tip is one of a behavioral-based tip or a trip-based tip.

10. The system of claim 7, wherein to detect, from the set of telematics data, the certain behavior or pattern, the processor is configured to:

detect a vehicle operation event or a consistent pattern.

11. The system of claim 7, wherein the processor is further configured to:

update an insurance policy associated with the vehicle based on the driving tip model that was updated.

12. The system of claim 7, wherein the processor is further configured to:

after determining the effectiveness of the driving tip, provide a message to the electronic device.