System and Method for Processing Electric Vehicle and Insurance Data

• US 20140121878A1
• Filed: 12/31/2013
• Published: 05/01/2014
• Est. Priority Date: 04/05/2011
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Pandhi, Rohini H., Peak, David F.
• Granted Patent: US 10,369,889 B2
• Time in Patent Office: Days
• US Class Current: 701/22
• CPC Class Codes: B60L 53/00 Methods of charging batteries, specially adapted for electric vehicles; Charging stations or on-board charging equipment therefor; Exchange of energy storage elements in electric vehicles
• CPC Class Codes: B60L 53/68 Off-site monitoring or control, e.g. remote control
• 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: G07F 17/0057 for the hiring or rent of vehicles, e.g. cars, bicycles or wheelchairs car rental G07B15/00
• CPC Class Codes: Y02T 10/70 Energy storage systems for electromobility, e.g. batteries
• CPC Class Codes: Y02T 10/7072 Electromobility specific charging systems or methods for batteries, ultracapacitors, supercapacitors or double-layer capacitors
• CPC Class Codes: Y02T 90/12 Electric charging stations
• CPC Class Codes: Y02T 90/14 Plug-in electric vehicles
• CPC Class Codes: Y02T 90/16 Information or communication technologies improving the operation of electric vehicles

Abstract

Pursuant to some embodiments, insurance systems, methods and devices are provided in which electric vehicle information, including electric vehicle charging information, may be received over a communications network. The electric vehicle charging information may be automatically associated with automobile insurance premium information. An integrated presentation of the electric vehicle charging information and the automobile insurance premium information may then be transmitted, over the communications network, for presentation to an owner of the electric vehicle.

Claims

1. An insurance system for providing a user-accessible display of electric vehicle information and insurance information, comprising:

a data storage device storing automobile insurance data;

a communications device in communication via a communications network with at least a user-accessible device;

a memory storage device storing processor-executable instructions; and

one or more processors in communication with the data storage device, the communications device and the memory storage device, the instructions causing the one or more processors to;

receive electric vehicle information, including electric vehicle charging information and identifier information for at least one of an electric vehicle and an insurance policy, from the communications device;

associate, using the identifier information, the electric vehicle charging information with automobile insurance data stored in the data storage device;

generate data indicative of an integrated presentation of at least a portion of the electric vehicle charging information and the automobile insurance data; and

provide the data indicative of the integrated presentation of the at least the portion of the electric vehicle charging information and the automobile insurance data to the communications device for transmission via the communications network to the user-accessible device for display of the integrated presentation.

2. The insurance system of claim 1, wherein the electric vehicle charging information is received from an electric charging station.

3. The insurance system of claim 1, wherein the electric vehicle charging information includes an amount of electric charge provided for the electric vehicle and a data and time, and the instructions causing the one or more processors to generate data indicative of the integrated presentation comprises the instructions causing the one or more processors to incorporate data indicative of the amount of electric charge, the date and the time in the data indicative of the integrated presentation.

4. The insurance system of claim 1, wherein the automobile insurance data includes an automobile insurance premium amount due and a due date, and the instructions causing the one or more processors to generate data indicative of the integrated presentation comprises causing the one or more processors to incorporate data indicative of the automobile insurance premium amount due and due date in the data indicative of the integrated presentation.

5. The insurance system of claim 1, wherein the instructions causing the one or more processors to provide the data indicative of the integrated presentation for transmission comprises causing the one or more processors to provide the data for transmission to one of an electric charging station, an electric vehicle, a mobile payment device, and a communication address of an owner of the electric vehicle.

6. The insurance system of claim 1, wherein the data storage device further stores data indicative of one or more past electric charge dates, times and amounts of electric charge, and the instructions causing the one or more processors to generate data indicative of the integrated presentation comprises causing the one or more processors to incorporate data indicative of the one or more past electric charge dates, times and amounts of electric charge in the data indicative of the integrated presentation.

7. The insurance system of claim 6, wherein the automobile insurance data includes an automobile insurance premium amount due and a due date;

the electric vehicle charging information includes an amount of electric charge provided for the electric vehicle and a data and time, and the instructions causing the one or more processors to generate data indicative of the integrated presentation comprises causing the one or more processors to incorporate data indicative of the automobile insurance premium amount due and due date, and the amount of electric charge provided for the electric vehicle and a date and time, in the data indicative of the integrated presentation.

8. The insurance system of claim 1, wherein the automobile insurance data includes data collected by one or more of a positioning system and one or more sensors coupled to the electric vehicle, the one or more sensors comprising one or more of a biometrics sensor, an accelerometer, a photoelectric device, a proximity sensor, and a camera, and data indicative of one or more evaluations based on the data collected by the one or more of a positioning system and one or more sensors coupled to the electric vehicle, and the instructions causing the one or more processors to generate data indicative of the integrated presentation comprises causing the one or more processors to incorporate one or more of the collected data and data indicative of the one or more evaluations, in the data indicative of the integrated presentation.

9. A computer-implemented method for processing insurance and electric vehicle data, comprising:

receiving, by one or more computer processors, from a communications device, electric vehicle information, including electric vehicle charging information and identifier information for at least one of an electric vehicle and an insurance policy;

associating, by the one or more computer processors, using the identifier information, the electric vehicle charging information with automobile insurance data stored in a data storage device in communication with the one or more computer processors;

generating, by the one or more computer processors, data indicative of an integrated presentation of at least a portion of the electric vehicle charging information and the automobile insurance data;

providing, by the one or more computer processors the data indicative of the integrated presentation of the at least the portion of the electric vehicle charging information and the automobile insurance data to the communications device; and

transmitting, by the communications device, via a communications network, the data indicative of the integrated presentation, to a user-accessible device for display of the integrated presentation.

10. The computer-implemented method of claim 9, wherein the electric vehicle charging information is received from an electric vehicle.

11. The computer-implemented method of claim 9, wherein the electric vehicle charging information includes an amount of electric charge provided for the electric vehicle and a data and time, and the generating data indicative of the integrated presentation comprises incorporating data indicative of the amount of electric charge, the date and the time in the data indicative of the integrated presentation.

12. The computer-implemented method of claim 9, wherein the automobile insurance data includes an automobile insurance premium amount due and a due date, and the generating data indicative of the integrated presentation comprises incorporating data indicative of the automobile insurance amount due and due date in the data indicative of the integrated presentation.

13. The computer-implemented method of claim 9, wherein the providing the data indicative of the integrated presentation for transmission comprises providing the data for transmission to one of an electric charging station, an electric vehicle, a mobile payment device, and a communication address of an owner of the electric vehicle.

14. The computer-implemented method of claim 9, further comprising storing by the data storage device data indicative of one or more past electric charge dates, times and amounts of electric charge, and the generating data indicative of the integrated presentation comprises incorporating data indicative of the one or more past electric charge dates, times and amounts of electric charge in the data indicative of the integrated presentation.

15. The computer-implemented method of claim 14, wherein the automobile insurance data includes an automobile insurance premium amount due and a due date;

the electric vehicle charging information includes an amount of electric charge provided for the electric vehicle and a data and time, and the generating data indicative of the integrated presentation comprises incorporating data indicative of the automobile insurance premium amount due and due date, and the amount of electric charge provided for the electric vehicle and a date and time, in the data indicative of the integrated presentation.

16. The computer-implemented method of claim 9, further comprising storing, by the data storage device, data indicative of upcoming maintenance, including a date and maintenance type, for an electric vehicle associated with the identifier information, and the generating data indicative of the integrated presentation comprises incorporating the data indicative of the upcoming maintenance, in the data indicative of the integrated presentation.

17. A non-transitory computer-readable storage medium, having computer-readable instructions stored thereon, which instructions, when executed by one or more processors, cause the one or more processors to:

receive electric vehicle information, including electric vehicle charging information and identifier information for at least one of an electric vehicle and an insurance policy, from a communications device;

associate, using the identifier information, the electric vehicle charging information with automobile insurance data stored in a data storage device;

generate data indicative of an integrated presentation of at least a portion of the electric vehicle charging information and the automobile insurance data; and

provide the data indicative of the integrated presentation of the at least the portion of the electric vehicle charging information and the automobile insurance data to the communications device for transmission via a communications network to a user-accessible device for display of the integrated presentation.

18. The non-transitory computer-readable medium of claim 17, wherein the electric vehicle charging information includes an amount of electric charge provided for the electric vehicle and a data and time, and the instructions causing the one or more processors to generate data indicative of the integrated presentation comprises the instructions causing the one or more processors to incorporate data indicative of the amount of electric charge, the date and the time in the data indicative of the integrated presentation.

19. The non-transitory computer-readable medium of claim 17, wherein the automobile insurance data includes an automobile insurance premium amount due and a due date, and the instructions causing the one or more processors to generate data indicative of the integrated presentation comprises causing the one or more processors to incorporate data indicative of the automobile insurance premium amount due and due date in the data indicative of the integrated presentation.

20. The non-transitory computer-readable medium of claim 17, wherein the instructions causing the one or more processors to provide the data indicative of the integrated presentation for transmission comprises causing the one or more processors to provide the data for transmission to one of an electric charging station, an electric vehicle, a mobile payment device, and a communication address of an owner of the electric vehicle.