Apparatus and Method for Detecting Driving Performance Data
First Claim
1. A system for detecting driving performance data, comprising:
- one or more mobile devices in electronic communication with a network and one or more sensors for measuring at least one parameter associated with operation of a vehicle;
a driving performance engine in electronic communication with the mobile device, the driving performance engine verifying the vehicle or a driver of the vehicle, detecting vehicle dynamics by comparing sensor data obtained by the one or more mobile devices with a predefined set of rules, recording driving performance data, transmitting the driving performance data anonymously to an insurance provider computer system, and receiving insurance cost information from the insurance provider computer system based on the driving performance data.
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Accused Products
Abstract
A system and method for detecting driving performance data is provided. The system and method include a mobile device in electronic communication with a network and one or more sensors for measuring at least one parameter associated with operation of a vehicle. A driving performance engine in electronic communication with the mobile device. The driving performance engine verifies the vehicle and a driver of the vehicle, detects vehicle movement by comparing sensor data obtained by the mobile device with a predefined set of rules, records driving performance data, transmits the driving performance data anonymously to an insurance provider computer system, and receives insurance cost information from the insurance provider computer system based on the driving performance data.
173 Citations
36 Claims
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1. A system for detecting driving performance data, comprising:
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one or more mobile devices in electronic communication with a network and one or more sensors for measuring at least one parameter associated with operation of a vehicle; a driving performance engine in electronic communication with the mobile device, the driving performance engine verifying the vehicle or a driver of the vehicle, detecting vehicle dynamics by comparing sensor data obtained by the one or more mobile devices with a predefined set of rules, recording driving performance data, transmitting the driving performance data anonymously to an insurance provider computer system, and receiving insurance cost information from the insurance provider computer system based on the driving performance data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for detecting driving performance data comprising:
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electronically obtaining from one or more sensors at least one parameter associated with operation of a vehicle at one or more mobile devices, the one or more mobile devices in electronic communication with a network; processing the information using a driving performance engine in electronic communication with the one or more mobile devices; verifying, by the driving performance engine, the vehicle or a driver of the vehicle; detecting, by the driving performance engine, vehicle dynamics by comparing sensor data obtained by the one or more mobile devices with a predefined set of rules; recording driving performance data by the driving performance engine; transmitting the driving performance data anonymously to an insurance provider computer system; and receiving insurance cost information from the insurance provider computer system based on the driving performance data. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A computer-readable medium having computer-readable instructions stored thereon which, when executed by a computer system, cause the computer system to perform the steps of:
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electronically obtaining from one or more sensors at least one parameter associated with operation of a vehicle at one or more mobile devices, the one or more mobile devices in electronic communication with a network; processing the information using a driving performance engine in electronic communication with the one or more mobile devices; verifying, by the driving performance engine, the vehicle or a driver of the vehicle; detecting, by the driving performance engine, vehicle dynamics by comparing sensor data obtained by the one or more mobile devices with a predefined set of rules; recording driving performance data by the driving performance engine; transmitting the driving performance data anonymously to an insurance provider computer system; and receiving insurance cost information from the insurance provider computer system based on the driving performance data. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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Specification