System and method for use of carbon emissions in characterizing driver performance

• US 10,657,598 B2
• Filed: 04/10/2013
• Issued: 05/19/2020
• Est. Priority Date: 12/20/2012
• Status: Active Grant

• Current Assignee: Scope Technologies Holdings Limited
• Original Assignee: Scope Technologies Holdings Limited
• Inventors: Lavie, Samuel, Van den Bergh, Johann, Fuchs, Gil, Jacobs, Friedl
• Primary Examiner(s): Sigmond, Bennett M
• Assistant Examiner(s): Cranford, Michael D
• Application Number:
  US13/860,284
• Publication Number:
  US 20140180726A1
• Time in Patent Office: 2,596 Days
• Field of Search: 705 4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system and method for use of carbon emissions in characterizing driver performance and using such characterization to determine a profile/score associated with a particular insured. The profile/score can then be used to determine an insurance premium for the insured. In accordance with an embodiment, a driver can use a portable device equipped with a data collection and assessment environment, including one or more data collection devices that can be used to capture data and information or otherwise measure the carbon emissions associated with a vehicle. A framework (system) can receive information about the driver'"'"'s driving profile, and use this information either to determine an insurance quote, or act as a broker/aggregator in inviting other insurance providers to offer an insurance quote, or usage based insurance quote (UBI).

Claims

1. A method for remotely determining vehicle driver performance for a specific vehicle and driver using acceleration measurements and estimated carbon emission patterns for a plurality of vehicle behaviors and conditions derived from said acceleration measurements, said specific vehicle being one of a defined vehicle type, the method comprising:

developing a carbon emission pattern prediction model for the vehicle type comprising;

collecting data over time from one or more carbon emission sensors and

one or more accelerometers from a plurality of vehicles of said vehicle type driven in a variety of manners and in a variety of conditions,

observing patterns in the carbon emission data and the acceleration data

for each of the plurality of vehicles driven and for each of the manners and conditions driven,

developing statistical comparisons between the observed carbon emissions patterns and the associated acceleration patterns, and

storing representative patterns and statistical comparisons in a remote computer memory along with identifying information for the vehicle type, driving manner and conditions for each pattern;

identifying specific vehicle and driver carbon emission patterns for the specific vehicle and driver by;

collecting acceleration and corresponding carbon emissions data over time for the specific vehicle while operated by the driver from one or more on-board carbon emission sensors and accelerometers;

developing specific vehicle and driver statistical comparisons between collected acceleration and corresponding carbon emissions data for the specific vehicle and driver, and

storing, as specific vehicle and driver acceleration patterns, the acceleration and corresponding carbon emissions data, and said specific vehicle and driver statistical comparisons in a specific vehicle on-board computer memory;

subsequent to said identifying and on-board the specific vehicle, calculating carbon emissions for the specific vehicle and driver by;

measuring acceleration for the specific vehicle with one or more on-board accelerometers while operated by the driver,

comparing the acceleration measurements for the specific vehicle with the stored specific vehicle and driver acceleration patterns accessed from the on-board computer memory, and

upon finding one or more matching acceleration patterns, querying the on-board computer memory to return one or more corresponding carbon emissions;

transmitting the returned corresponding carbon emissions, along with identifying information for the specific vehicle and driver, to a remote user;

comparing, at a location remote from the specific vehicle, the transmitted carbon emissions with said representative patterns and statistical comparisons stored in the remote computer memory for the vehicle type corresponding the transmitted specific vehicle identifying information; and

assigning the driving manner for each representative pattern matching the transmitted carbon emissions as the driver performance for the specific driver corresponding to the driver identifying information.

2. The method of claim 1, wherein the identified specific vehicle and driver carbon emission patterns include an error estimation based on a value of the statistical correlation between the carbon emission pattern and the statistically correlated acceleration pattern.

3. The method of claim 1, further comprising a remote communications module configured to communicate at least one of the identified carbon emission patterns to a system external to the vehicle.

4. The method of claim 3, wherein the external system is configured to determine a usage based insurance quote based on the one or more identified carbon emission patterns, and to provide the quote to the driver.

5. The method of claim 1, wherein the specific vehicle is further provided with a display device configured to present the identified carbon emission patterns to the driver.

6. The method of claim 1, wherein acceleration measurements and identifying the specific vehicle and driver carbon emission patterns occurs in a mobile computing device residing within the target vehicle.

7. A method for remotely determining vehicle driver performance for a specific vehicle and driver using acceleration measurements and estimated carbon emission patterns for a plurality of vehicle behaviors and conditions derived from said acceleration measurements, said specific vehicle being one of a defined vehicle type, the method comprising:

developing a carbon emission pattern prediction model for the vehicle type comprising;

collecting data over time from one or more carbon emission sensors and

one or more accelerometers from a plurality of vehicles of said vehicle type driven in a variety of manners and in a variety of conditions,

observing patterns in the carbon emission data and the acceleration data for each of the plurality of vehicles driven and for each of the manners and conditions driven,

developing statistical comparisons between the observed carbon emissions patterns and the associated acceleration patterns, and

storing representative patterns and statistical comparisons in a remote computer memory along with identifying information for the vehicle type, driving manner and conditions for each pattern;

identifying specific vehicle and driver carbon emission patterns for the specific vehicle and driver by collecting carbon emissions data for the specific vehicle while operated by the driver from one or more on-board carbon emission sensors;

transmitting identified carbon emissions patterns, along with identifying information for the specific vehicle and driver, to a remote user;

comparing, at a location remote from the specific vehicle, the transmitted carbon emissions pattern with said representative patterns and statistical comparisons stored in the remote computer memory for the vehicle type corresponding the transmitted specific vehicle identifying information; and

assigning the driving manner for each representative pattern matching the transmitted carbon emissions pattern as the driver performance for the specific driver corresponding to the driver identifying information.