Vehicle driver quality determination method and system
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Abstract
A method and apparatus (1,2) for monitoring movement of a vehicle in order to permit a determination of the quality of driving of the driver of the vehicle to be made. The method and apparatus (1,2) monitors the movement of a vehicle at monitoring intervals typically of ten seconds duration. The date, time, location and speed of the vehicle at the end of each monitoring interval is recorded and stored. The location and speed of the vehicle is determined from the GPS system. A server (2) in a central monitoring station downloads the stored dates, times, locations and speed of the vehicle as well as the distance travelled by the vehicle, which is then tabulated and the number of speed infringements in the respective different speed limit zones are computed. The driver is then given a ranking score which is computed from the number of infringements in the respective speed zones and the infringements are weighted, the higher weightings being assigned to infringements in the higher speed zones, and weighting is also given to infringements depending on the amount by which the speed limit in the respective speed zones has been exceeded. The ranking score of the driver allows an insurance company to determine the quality of driving of the driver and thus set an insurance premium appropriately for the driver.
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111 Claims
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1-90. -90. (Canceled)
- 91. A method for monitoring movement of a vehicle, the method comprising the steps of determining the location of the vehicle at predetermined monitoring intervals, and determining the speed of the vehicle at each monitoring interval, characterized in that, at least some of the determined speeds of the vehicle are stored and cross-referenced with the corresponding locations, maximum allowed speeds are determined for the respective locations for which vehicle speeds are stored, the stored vehicle speeds are compared with the corresponding maximum allowed speeds for the respective locations, and an infringement is recorded and stored and cross-referenced with each location at which the vehicle speed exceeded the maximum allowed speed.
- 103. Apparatus for monitoring movement of a vehicle, the apparatus comprising a means for determining the location of the vehicle at predetermined monitoring intervals, and a means for determining the speed of the vehicle at each monitoring interval, characterized in that, the apparatus comprises a means for storing at least some of the determined speeds of the vehicle and for cross-referencing the vehicle speeds with the corresponding locations, a means for determining maximum allowed speeds for the respective locations for which vehicle speeds are stored, a means for comparing the stored vehicle speeds with the corresponding maximum allowed speeds for the respective locations, and a means for recording and storing an infringement and for cross-referencing the infringement with each corresponding location at which the vehicle speed exceeded the maximum allowed speed.
Specification