Providing rewards based on driving behaviors detected by a mobile computing device

• US 10,445,758 B1
• Filed: 02/24/2014
• Issued: 10/15/2019
• Est. Priority Date: 03/15/2013
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Bryer, Nathan M., Inciong, Sarah, Kraft, Daniel, Manzella, Matthew James, Saban, Yuval
• Primary Examiner(s): Kalinowski, Alexander G
• Assistant Examiner(s): Kloberg, Paul R
• Application Number:
  US14/188,046
• Time in Patent Office: 2,059 Days
• Field of Search: 705 4
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 40/08 Insurance

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.

Claims

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.

2. The method of claim 1 further comprising:

determining 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; and

automatically displaying the trip score on the mobile computing device at a user interface of the trip monitoring application.

3. The method of claim 2 wherein determining the trip score includes:

obtaining a set of driving performance metric scores based on a set of driving performance metrics associated with the trip; and

aggregating the set of driving performance metric scores to obtain the trip score.

4. The method of claim 3 wherein the set of driving performance metrics 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.

5. The method of claim 1 wherein the trip is one of a set of trips monitored by the trip monitoring application at the mobile computing device and further comprising:

determining a performance score based, at least in part, on the additional trip information respectively derived for each trip in the set of trips from the trip information respectively collected for each trip in the set of trips.

6. The method of claim 5 wherein determining whether to provide the cash reward comprises:

identifying a reward percentage based on the performance score corresponding to the first threshold or the second threshold;

obtaining an insurance premium of an insurance policy associated with the mobile computing device; and

applying the reward percentage to the insurance premium to obtain the cash reward amount.

7. The method of claim 1 further comprising:

determining whether a trip termination condition has been satisfied during the trip; and

automatically terminating collection of trip information responsive to determining that the trip termination condition has been satisfied.

8. The method of claim 7 wherein the trip termination condition is a drop of a battery percentage of a battery of the mobile computing device below a predetermined battery percentage threshold and further comprising:

deactivating a trip detection capability of the trip monitoring application responsive to determining that the battery percentage of the battery is below the predetermined battery percentage threshold; and

reactivating the trip detection capability responsive to determining that the battery percentage of the battery has risen to be at or above the predetermined battery percentage threshold.

9. The method of claim 1 wherein deriving additional trip information includes:

determining a total number of miles traveled during the trip in at least one predetermined time-of-day range;

determining a total number of instances of deceleration above a predetermined deceleration threshold; and

determining a total number of miles traveled above a predetermined speed threshold.

10. A system for encouraging safe driving behaviors comprising:

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.

11. The system of claim 10 wherein:

the mobile computing device is further configured to;

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; and

automatically display the trip score at a user interface on the mobile computing device.

12. The system of claim 11 wherein:

the mobile computing device is further configured to;

obtain a set of driving performance metric scores based on a set of driving performance metrics associated with the trip and aggregate the set of driving performance metric scores to obtain the trip score.

13. The system of claim 12 wherein:

the set of driving performance metrics 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.

14. The system of claim 12 wherein:

the mobile computing device is further configured to;

display a trip summary at a user interface on the mobile computing device, wherein the trip summary includes i) the trip score, ii) the set of driving performance metric scores, iii) a total distance traveled during the trip, iv) a total duration of the trip, v) a start time and an end time for the trip, vi) a date the trip occurred, and vii) a map illustrating a route taken during the trip.

15. The system of claim 10 wherein:

the trip is one of a set of trips that includes one or more trips monitored by the trip monitoring application; and

the instructions, when executed, further cause the computing apparatus to;

determine the performance score based on the additional trip information respectively derived for each trip in the set of trips from the trip information respectively collected for each trip in the set of trips.

16. The system of claim 10 wherein the instructions, when executed, further cause the computing apparatus to:

identify a reward percentage associated based on the performance score corresponding to the first threshold, the second threshold, or the 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 an amount corresponding to the cash reward.

17. The system of claim 10 wherein:

the mobile computing device is further configured to;

determine whether a trip termination condition has been satisfied during the trip, and automatically terminating collection of trip information responsive to determining that the trip termination condition has been satisfied.

18. The system of claim 17 wherein:

the trip termination condition is a drop of a battery percentage of a battery of the mobile computing device below a predetermined battery percentage threshold; and

the trip monitoring application is further configured to, in operation, deactivate a trip detection capability of the trip monitoring application responsive to determining that the battery percentage of the battery is below the predetermined battery percentage threshold and reactivate the trip detection capability responsive to determining that the battery percentage of the battery has risen to be at or above the predetermined battery percentage threshold.

19. The system of claim 10 wherein:

the mobile computing device is further configured to;

determine a total number of miles traveled during the trip in at least one predetermined time-of-day range,

determine a total number of instances of deceleration above a predetermined deceleration threshold, and

determine a total number of miles traveled above a predetermined speed threshold in order to derive the additional trip information.

20. A system for encouraging safe driving behaviors comprising:

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.