Personalized insurance systems
First Claim
1. A personalized insurance system, comprising:
- an on-board vehicle computing device comprising one or more first processors, and at least one first non-transient memory storing first computer-readable instructions configured to;
at each of a plurality of times;
determine, based on detecting a signal from a personal mobile device, that a vehicle operator enters a vehicle;
determine an operation state of the vehicle;
receive data, from a plurality of vehicle sensors, the data including at least driver seat positioning data;
determine, based on the driver seat positioning data, a seat position of the vehicle operator; and
identify the vehicle operator based on the determined seat position; and
transmit, to an insurance system server and via a network, the determined operation state of the vehicle at each of the plurality of times and the identification of the vehicle operator at each of the plurality of times in which the vehicle is being operated; and
the insurance system server comprising one or more second processors, and at least one second non-transient memory storing computer-readable instructions configured to;
receive, from the on-board vehicle computing device and via the network, the determined operation state of the vehicle at each of the plurality of times and the identification of the vehicle operator of the vehicle at each of the plurality of times in which the vehicle is being operated;
generate a database cache in the at least one second non-transient memory, the database cache storing at least the received operation state of the vehicle at each of the plurality of times and the identification of the vehicle operator of the vehicle at each of the plurality of times in which the vehicle is being operated;
identify a driving trip, associated with the vehicle and the vehicle operator, using data from a vehicle-based navigation device or data from a navigation software application on the personal mobile device;
determine driving trip information for the driving trip, wherein the driving trip information comprises;
a destination comprising a first parking location;
an estimated amount of driving time associated with the driving trip; and
an estimated amount of non-driving time corresponding to a period of parking the vehicle during the driving trip;
calculate, based on the driving trip information, an insurance cost for the driving trip by applying a driving insurance rate to the estimated amount of driving time and applying a first parking insurance rate for the first parking location to the determined estimated amount of non-driving time;
identify an alternate parking location for parking the vehicle during the driving trip;
calculate an alternate parking insurance rate for the alternate parking location;
determine, based on the first parking insurance rate and the alternate parking insurance rate, a parking insurance rate savings corresponding to using the alternate parking location during the driving trip instead of the first parking location; and
output and transmit the alternate parking location and the parking insurance rate savings; and
a display on the personal mobile device or a vehicle-based display configured to display the alternate parking location and the parking insurance rate savings.
1 Assignment
0 Petitions
Accused Products
Abstract
Personalized insurance systems, including vehicle-based devices and modules, insurance system servers, personal mobile devices, and other computing devices, may operate individually or in combination to determine and implement personalized vehicle insurance policies. Such policies may be driver-specific, time-specific, vehicle-specific, and/or driving-trip specific. Various driver data, vehicle data, and driving trip data may be received and analyzed in order to determine usage-based insurance parameters for vehicle driving and non-driving activities. Personalized vehicle insurance policies may be presented to and accepted by drivers, after which the drivers and one or more associated vehicles may be monitored to detect and store vehicle usage data in accordance with the personalized insurance policy.
59 Citations
16 Claims
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1. A personalized insurance system, comprising:
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an on-board vehicle computing device comprising one or more first processors, and at least one first non-transient memory storing first computer-readable instructions configured to; at each of a plurality of times; determine, based on detecting a signal from a personal mobile device, that a vehicle operator enters a vehicle; determine an operation state of the vehicle; receive data, from a plurality of vehicle sensors, the data including at least driver seat positioning data; determine, based on the driver seat positioning data, a seat position of the vehicle operator; and identify the vehicle operator based on the determined seat position; and transmit, to an insurance system server and via a network, the determined operation state of the vehicle at each of the plurality of times and the identification of the vehicle operator at each of the plurality of times in which the vehicle is being operated; and the insurance system server comprising one or more second processors, and at least one second non-transient memory storing computer-readable instructions configured to; receive, from the on-board vehicle computing device and via the network, the determined operation state of the vehicle at each of the plurality of times and the identification of the vehicle operator of the vehicle at each of the plurality of times in which the vehicle is being operated; generate a database cache in the at least one second non-transient memory, the database cache storing at least the received operation state of the vehicle at each of the plurality of times and the identification of the vehicle operator of the vehicle at each of the plurality of times in which the vehicle is being operated; identify a driving trip, associated with the vehicle and the vehicle operator, using data from a vehicle-based navigation device or data from a navigation software application on the personal mobile device; determine driving trip information for the driving trip, wherein the driving trip information comprises; a destination comprising a first parking location; an estimated amount of driving time associated with the driving trip; and an estimated amount of non-driving time corresponding to a period of parking the vehicle during the driving trip; calculate, based on the driving trip information, an insurance cost for the driving trip by applying a driving insurance rate to the estimated amount of driving time and applying a first parking insurance rate for the first parking location to the determined estimated amount of non-driving time; identify an alternate parking location for parking the vehicle during the driving trip; calculate an alternate parking insurance rate for the alternate parking location; determine, based on the first parking insurance rate and the alternate parking insurance rate, a parking insurance rate savings corresponding to using the alternate parking location during the driving trip instead of the first parking location; and output and transmit the alternate parking location and the parking insurance rate savings; and a display on the personal mobile device or a vehicle-based display configured to display the alternate parking location and the parking insurance rate savings. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A personalized insurance system server comprising one or more processors, and at least one non-transient memory storing computer-readable instructions configured to:
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receive, from an on-board vehicle computing device and via a network, a determined operation state of a vehicle at each of a plurality of times and an identification of a vehicle operator of the vehicle at each of the plurality of times in which the vehicle is being operated, wherein the identification of the vehicle operator is determined based on driver seat positioning data; generate a database cache in the at least one non-transient memory, the database cache storing at least the received operation state for the vehicle at each of the plurality of times and the identification of the vehicle operator of the vehicle at each of the plurality of times in which the vehicle is being operated; identify a driving trip, associated with the vehicle and the vehicle operator, using data from a vehicle-based navigation device or data from a navigation software application on a personal mobile device; determine driving trip information for the driving trip, wherein the driving trip information comprises; a destination comprising a first parking location; an estimated amount of driving time associated with the driving trip; and an estimated amount of non-driving time corresponding to a period of packing the vehicle during the driving trip; calculate, based on the driving trip information, an insurance cost for the driving trip by applying a driving insurance rate to the estimated amount of driving time and applying a first parking insurance rate for the first parking location to the determined estimated amount of non-driving time; identify an alternate parking location for parking the vehicle during the driving trip; calculate an alternate parking insurance rate for the alternate parking location; determine, based on the first parking insurance rate and the alternate parking insurance rate, a parking insurance rate savings corresponding to using the alternate parking location during the driving trip instead of the first parking location; and output and transmit the alternate parking location and the parking insurance rate savings. - View Dependent Claims (10, 11, 12)
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13. An on-board vehicle computing device comprising one or more processors, and at least one non-transient memory storing computer-readable instructions configured to:
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determine, based on detecting a signal from a personal mobile device, that a vehicle operator enters a vehicle; determine, at each of a plurality of times, an operation state of the vehicle; receive data from a plurality of vehicle sensors, the data including at least driver seat positioning data; determine, based on the driver seat positioning data, a seat position of the vehicle operator; identify the vehicle operator based on the determined seat position; identify a driving trip, associated with the vehicle and the vehicle operator, using data from a vehicle based navigation device or data from a navigation software application on the personal mobile device; determine driving trip information for the driving trip, wherein the driving trip information comprises; a destination comprising a first parking location; an estimated amount of driving time associated with the driving trip; and an estimated amount of non-driving time corresponding to a period of parking the vehicle during the driving trip; transmit, via a network, to one or more insurance system servers corresponding to a plurality of insurance providers, the determined operation state of the vehicle, the identification of the vehicle operator, and the determined driving trip information; receive, via the network, from the one or more insurance system servers, one or more insurance offers based on the identification of the vehicle operator and the driving trip information, wherein each of the one or more insurance offers includes an alternate parking location and an amount of insurance rate savings for parking in the alternate parking location instead of the first parking location; and display, on the personal mobile device or the on-board vehicle computing device, a first insurance offer, from among the received one or more insurance offers including at least the alternate parking location and the an amount of insurance rate savings for parking in the alternate parking location. - View Dependent Claims (14, 15, 16)
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Specification