INFERRING USER RISK PROFILE FROM TRAVEL PATTERNS

• US 20140089101A1
• Filed: 09/01/2013
• Published: 03/27/2014
• Est. Priority Date: 09/23/2012
• Status: Active Grant

• Current Assignee: Intel Corporation
• Original Assignee: Telmap Limited (Intel Corporation)
• Inventors: Meller, Eran
• Granted Patent: US 9,141,975 B2
• Time in Patent Office: Days
• US Class Current: 705/14.66
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method for estimating a risk profile of a user of a personal digital assistant (PDA) includes collecting, using the PDA, data indicative of a travel pattern of the user of the PDA. The risk profile of the user of the PDA is inferred from the travel pattern. The risk profile to is output an external system, so as to enable the external system to provide to the user a commercial offer based on a risk level which is indicated by the risk profile.

Claims

1. A method for estimating a risk profile of a user of a personal digital assistant (PDA), comprising:

collecting, using the PDA, data indicative of a travel pattern of the user of the PDA;

inferring the risk profile of the user of the PDA from the travel pattern; and

outputting the risk profile to an external system, so as to enable the external system to provide to the user a commercial offer based on a risk level which is indicated by the risk profile.

2. The method according to claim 1, wherein inferring the risk profile comprises estimating a probability of the user of the PDA to be involved in an insurance event, and wherein the commercial offer comprises an insurance premium offer that is based on the estimated probability.

3. The method according to claim 1, wherein inferring the risk profile comprises evaluating risk-related preferences of the user of the PDA, and wherein inferring the risk profile comprises determining the risk profile based on the risk-related preferences.

4. The method according to claim 1, wherein the travel pattern comprises a mode of transportation the user of the PDA employs, and wherein inferring the risk profile comprises determining the risk profile based on the mode of transportation.

5. The method according to claim 1, wherein the travel pattern comprises driving hours of the user of the PDA, and wherein inferring the risk profile comprises determining the risk profile based on the driving hours.

6. The method according to claim 1, wherein the travel pattern comprises a driving speed of the user of the PDA while driving a route, and wherein inferring the risk profile comprises comparing the driving speed of the user to a reference speed of the route.

7. The method according to claim 6, and comprising determining the reference speed by performing a comparison between the travel pattern of the user and travel patterns of other users.

8. The method according to claim 1, wherein inferring the risk profile comprises detecting a deviation from the travel pattern.

9. The method according to claim 1, wherein inferring the risk profile comprises assessing a state-of-mind of the user based on the travel pattern.

10. The method according to claim 1, and comprising receiving the commercial offer from the external system, and providing the commercial offer to the user via the PDA.

11. An apparatus, comprising:

a user interface;

one or more sensors; and

at least one processor, which is configured to collect from the one or more sensors data which is indicative of a travel pattern of a user of a PDA, to infer, based on the travel pattern, a risk profile of the user of the PDA, and to output the risk profile to an external system, so as to enable the external system to provide to the user a commercial offer based on a risk level which is indicated by the risk profile.

12. The apparatus according to claim 11, wherein the at least one processor is configured to infer the risk profile by estimating a probability of the user of the PDA to be involved in an insurance event, and wherein the commercial offer comprises an insurance premium offer that is based on the estimated probability.

13. The apparatus according to claim 11, wherein the at least one processor is configured to infer the risk profile by evaluating risk-related preferences of the user of the PDA.

14. The apparatus according to claim 11, wherein the at least one processor is configured to infer the risk profile by identifying a mode of transportation the user of the PDA employs.

15. The apparatus according to claim 11, wherein the at least one processor is configured to infer the risk profile by identifying driving hours of the user of the PDA.

16. The apparatus according to claim 11, wherein the at least one processor is configured to infer the risk profile by identifying a driving speed of the user of the PDA while driving a route, and comparing the driving speed of the user to a reference speed of the route.

17. The apparatus according to claim 16, wherein the at least one processor is configured to determine the reference speed by performing a comparison between the travel pattern of the user and travel patterns of other users.

18. The apparatus according to claim 11, wherein the at least one processor is configured to infer the risk profile by detecting a deviation from the travel pattern.

19. The apparatus according to claim 11, wherein the at least one processor is configured to infer the risk profile by assessing a state-of-mind of the user based on the travel pattern.

20. The apparatus according to claim 11, wherein the at least one processor is configured to receive the commercial offer from the external system, and to provide the commercial offer to the user via the user interface.

21. A computer software product, comprising a non-transitory computer-readable medium in which program instructions are stored, which instructions, when read by at least one processor, cause the at least one processor to collect from one or more sensors data which is indicative of a travel pattern of a user of a PDA which comprises a user interface, to infer based on the travel pattern a risk profile of the user of the PDA, and to output the risk profile to an external system so as to enable the external system to provide to the user a commercial offer based on a risk level which is indicated by the risk profile.