Motor vehicle operating data collection and analysis

• US 20130073112A1
• Filed: 06/01/2005
• Published: 03/21/2013
• Est. Priority Date: 06/01/2005
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Perquin, Johannes A., Phelan, Joseph Patrick
• Granted Patent: US 9,189,895 B2
• Time in Patent Office: Days
• US Class Current: 701/1
• CPC Class Codes: B60W 2520/105 Longitudinal acceleration
• CPC Class Codes: B60W 2555/20 Ambient conditions, e.g. wind or rain
• CPC Class Codes: B60W 2556/10 Historical data
• CPC Class Codes: B60W 2556/50 of positioning data, e.g. GPS [Global Positioning System] data
• CPC Class Codes: B60W 40/09 Driving style or behaviour
• CPC Class Codes: B60W 40/107 Longitudinal acceleration
• CPC Class Codes: G06F 17/00 Digital computing or data processing equipment or methods, specially adapted for specific functions information retrieval, database structures or file system structures therefor G06F16/00
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/02 Registering or indicating driving, working, idle, or waiting time only apparatus forming part of taximeters G07B13/00
• CPC Class Codes: G07C 5/0841 Registering performance data recording measured values G01D; information storage G11B
• CPC Class Codes: G08B 21/182 Level alarms, e.g. alarms responsive to variables exceeding a threshold
• CPC Class Codes: G08G 1/0104 Measuring and analyzing of parameters relative to traffic conditions
• CPC Class Codes: G08G 1/0112 from the vehicle, e.g. floating car data [FCD]
• CPC Class Codes: G08G 1/0129 for creating historical data or processing based on historical data
• CPC Class Codes: G08G 1/052 with provision for determining speed or overspeed speed measuring in general G01P
• CPC Class Codes: G08G 1/20 Monitoring the location of vehicles belonging to a group, e.g. fleet of vehicles, countable or determined number of vehicles
• CPC Class Codes: G09B 19/162 Control of ships, boats, or other waterborne vehicles
• CPC Class Codes: G09B 19/165 Control of aircraft
• CPC Class Codes: G09B 19/167 : Control of land vehicles

Abstract

A method and apparatus for collecting and evaluating powered vehicle operation utilizing on-board diagnostic components and location determining components or systems. The invention creates one or more databases whereby identifiable behavior or evaluative characteristics can be analyzed or categorized. The evaluation can include predicting likely future events. The database can be correlated or evaluated with other databases for a wide variety of uses.

Claims

1. A database comprising time marked vehicle operation data recorded at regular intervals that can be correlated to at least one other data point.

2. The database of claim 1 used for evaluating a road.

3. The database of claim 1 used for evaluating a vehicle.

4. A method of evaluating at least one individual comprising evaluating a first database of time marked data recorded at regular intervals of vehicle operation and at least one other data point.

5. The method of claim 4 wherein the evaluation is for predicting a future event.

6. The method of claim 4 wherein the future event comprises an insurance risk.

7. The method of claim 4 wherein the future event comprises a purchase of a good or a service.

8. The method of claim 4 wherein the future event comprises a payment.

9. The method of claim 4 wherein the future event is behavior.

10. An evaluation of the method of claim 4.

11. A method of evaluating at least one road comprising a first database comprising regularly recorded time marked data of operation of at least one vehicle.

12. The method of claim 11 further comprising data of at least one driver.

13. The method of claim 11 further comprising data of at least one trip.

14. The method of claim 11 wherein the database comprises data of vehicle location.

15. The method of claim 11 further comprising correlating at least one road to at least one other road.

16. The method of claim 11 further comprising the evaluating the first database with at least one other data point.

17. An evaluation of the method of claim 11.

18. A method of evaluating a vehicle comprising a first database comprising regularly recorded time marked data of operation of at least one vehicle.

19. The method of claim 18 further comprising correlating the first database to at least one other data point.

20. An evaluation of the method of claim 18.