Providing rewards based on driving behaviors detected by a mobile computing device
First Claim
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1. A method of encouraging safe driving behaviors comprising:
- configuring by a mobile computing device, a trip monitoring application, wherein the configuring comprises downloading the trip monitoring application to the mobile computing device;
detecting, by the mobile computing device, that the mobile computing device is traveling in a vehicle based on the trip monitoring application detecting that the mobile computing device is traveling at a detected speed above a first minimum speed threshold associated with a first class of vehicle;
detecting, by the mobile computing device, that the mobile computing device is traveling in the first class of vehicle based on determining that the detected speed is below a maximum speed threshold associated with a second class of vehicle;
determining, by the mobile computing device and based on the detecting that the mobile computing device is traveling in the first class of vehicle, that a trip in a vehicle corresponding to the first class of vehicle has begun;
receiving, by the mobile computing device from a telematics device located in the vehicle, vehicle information related to the vehicle during the trip;
collecting, by the mobile computing device, trip information using the trip monitoring application during the trip;
deriving, upon termination of the trip, additional trip information based on the trip information;
determining whether to provide a cash reward comprising one of a first cash reward corresponding to a first threshold and a second cash reward corresponding to a second threshold, wherein the determining whether to provide the cash reward is based, at least in part, on at least one of the vehicle information, the trip information, and the additional trip information; and
providing a cash reward amount corresponding to the cash reward to an individual associated with the mobile computing device.
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Abstract
System and methods for encouraging safe driving are provided. A mobile computing device may be configured to include a trip monitoring application. The trip monitoring application may automatically detect when a trip in a vehicle has begun. The trip monitoring application may collect trip information during the trip and derive additional trip information upon termination of the trip. A cash reward amount may be calculated based at least in part on the additional trip information derived from the trip information collected during the trip. The cash reward amount may be provided to an individual associated with the mobile computing device.
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Citations
20 Claims
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1. A method of encouraging safe driving behaviors comprising:
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configuring by a mobile computing device, a trip monitoring application, wherein the configuring comprises downloading the trip monitoring application to the mobile computing device; detecting, by the mobile computing device, that the mobile computing device is traveling in a vehicle based on the trip monitoring application detecting that the mobile computing device is traveling at a detected speed above a first minimum speed threshold associated with a first class of vehicle; detecting, by the mobile computing device, that the mobile computing device is traveling in the first class of vehicle based on determining that the detected speed is below a maximum speed threshold associated with a second class of vehicle; determining, by the mobile computing device and based on the detecting that the mobile computing device is traveling in the first class of vehicle, that a trip in a vehicle corresponding to the first class of vehicle has begun; receiving, by the mobile computing device from a telematics device located in the vehicle, vehicle information related to the vehicle during the trip; collecting, by the mobile computing device, trip information using the trip monitoring application during the trip; deriving, upon termination of the trip, additional trip information based on the trip information; determining whether to provide a cash reward comprising one of a first cash reward corresponding to a first threshold and a second cash reward corresponding to a second threshold, wherein the determining whether to provide the cash reward is based, at least in part, on at least one of the vehicle information, the trip information, and the additional trip information; and providing a cash reward amount corresponding to the cash reward to an individual associated with the mobile computing device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for encouraging safe driving behaviors comprising:
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a mobile computing device comprising a memory and a processor configured to; configure a trip monitoring application, wherein the configuring comprises downloading the trip monitoring application, detect that the mobile computing device is traveling in a vehicle based on the trip monitoring application detecting that the mobile computing device is traveling at a detected speed above a first minimum speed threshold associated with a first class of vehicle; detect that the mobile computing device is traveling in the first class of vehicle based on determining that the detected speed is below a maximum speed threshold associated with a second class of vehicle; determine, based on the detecting that the mobile computing device is traveling in the first class of vehicle, that a trip in a vehicle corresponding to the first class of vehicle has begun, receive, from a telematics device located in the vehicle, vehicle information related to the vehicle during the trip, collect trip information during the trip, and determine additional trip information based on the trip information collected upon termination of the trip; a computing apparatus comprising a memory and processor, the memory storing computer-executable instructions that, when executed by the processor, cause the computing apparatus to; determine a performance score based on at least one of the vehicle information, the trip information, and the additional trip information; and determine whether to provide a cash reward comprising at least one of a first cash reward corresponding to a first threshold, a second cash reward corresponding to a second threshold, and no cash reward corresponding to a third threshold, wherein the determining whether to provide the cash reward is based, at least in part, on the performance score. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A system for encouraging safe driving behaviors comprising:
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a mobile computing device configured to; configure a trip monitoring application; detect that the mobile computing device is traveling in a class of vehicle based on the trip monitoring application detecting that the mobile computing device is traveling at a detected speed above a first minimum speed threshold associated with a first class of vehicle; detect that the mobile computing device is traveling in the first class of vehicle based on determining that the detected speed is below a maximum speed threshold associated with a second class of vehicle; determine, based on the detecting that the mobile computing device is traveling in the first class of vehicle, that a trip in a vehicle corresponding to the first class of vehicle has begun, collect trip information during the trip wherein the trip information includes speed information and location information from a GPS module of the mobile computing device, derive additional trip information based on the trip information collected wherein the additional trip information includes i) a total number of miles traveled during the trip in at least one predetermined time-of-day range, ii) a total number of instances of deceleration above a predetermined deceleration threshold, and iii) a total number of miles traveled above a predetermined speed threshold determine a trip score for the trip upon termination of the trip wherein the trip score is based, at least in part, on the additional trip information derived from the trip information collected, determine a set of driving performance metric scores based on at least a portion of the additional trip information derived from the trip information collected during the trip, and display a trip summary at a user interface on the mobile computing device wherein the trip summary includes the trip score, the set of driving performance metric scores, a total distance traveled during the trip, a total duration of the trip, a start time and an end time for the trip, a date the trip occurred, and a map illustrating a route taken during the trip; and a computing apparatus located remotely relative to the mobile computing device and in signal communication with the mobile computing device wherein the computing apparatus comprises memory storing computer-executable instructions that, when executed by a processor of the computing apparatus, cause the computing apparatus to; determine a performance score based, at least in part, on the additional trip information derived from the trip information collected during the trip, and identify a reward percentage based on the performance score corresponding to one of a first threshold, a second threshold, and a third threshold, obtain an insurance premium of an insurance policy associated with the mobile computing device, and apply the reward percentage to the insurance premium to obtain a cash reward amount.
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Specification