System and Method to Provide Event Data on a Map Display

• US 20140257592A1
• Filed: 05/19/2014
• Published: 09/11/2014
• Est. Priority Date: 05/22/2012
• 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: Fernandes, Steven J., Feero, Steven R.
• Granted Patent: US 9,111,316 B2
• Time in Patent Office: Days
• US Class Current: 701/1
• CPC Class Codes: B60W 40/09 Driving style or behaviour
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G08G 5/0039 Modification of a flight plan

Abstract

A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Claims

1. A system for processing data for display of safety event data to a driver of a vehicle, the system comprising:

one or more data storage devices storing data indicative of processed telematics data, wherein said processed telematics data is based on telematics data received from a sensor within the vehicle of the driver, the telematics data comprising geo-position information of the vehicle and vehicle kinematics data;

one or more computer processors in communication with the one or more data storage devices; and

a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to;

identify, based on the stored data indicative of processed telematics data, safety events for the driver of the vehicle involving one or more of a speed, an orientation, an acceleration, and a deceleration of the vehicle, and, for each of the safety events involving the vehicle, locations of the safety events;

receive data indicative of safety events associated with other drivers and locations of the safety events based on telematics data received from sensors in vehicles of the other drivers, and

cause to be displayed on a map display to the driver at least one indication of one or more of the identified safety events involving the driver and indications of one or more safety events associated with the other drivers.

2. The system of claim 1, wherein the sensor within the vehicle comprises one of a sensor in a smartphone within the vehicle, a sensor mounted on the vehicle, and a sensor that is integrated into a data system of the vehicle.

3. The system of claim 1, wherein the data indicative of processed telematics data comprises data from a third party data processing service and includes at least one of a detailed report concerning the telematics data from the vehicle and a summary report concerning the telematics data from the vehicle.

4. The system of claim 3, wherein the data indicative of the processed telematics data comprises a summary report that does not provide an identity of the driver or vehicle.

5. The system of claim 3, wherein the data indicative of processed telematics data from the third party data processing service further includes one or both of a risk score for the driver and a premium discount for the driver based on the telematics data.

6. The system of claim 1, wherein the display on the map display of the indications of safety events includes a display of a single graphical icon representative of more than one of the plurality of safety events that have occurred at one location.

7. The system of claim 6, wherein the single graphical icon representative of more than one of the plurality of safety events comprises one or both of a single graphical icon of a particular color representative of a number of safety events that have occurred at the one location and a single graphical icon displaying a numeral representative of the number of safety events that have occurred at the one location.

8. The system of claim 6, wherein the display of a plurality of safety events at the one location comprises a display of at least two graphical icons representing different safety event types, wherein each of the graphical icons is representative of a number of events of one type of safety event that has occurred at the one location.

9. The system of claim 1, wherein at least some safety events comprise an occurrence of:

(i) deceleration above a threshold, (ii) acceleration above a threshold, (iii) turning above a threshold, (iv) speeding above a threshold, (v) lane change speed above a threshold, and (vi) times of day associated with driving.

10. A computerized method for processing data for display of safety event data to a driver of a vehicle, the method comprising:

receiving, by one or more computer processors, data indicative of processed telematics data based on telematics data collected from a sensor within the vehicle, wherein the telematics data includes geo-position information and kinematics data of the vehicle;

identifying, by the one or more computer processors, based on the stored data indicative of processed telematics data, safety events for the driver of the vehicle involving one or more of a speed, an orientation, an acceleration, and a deceleration of the vehicle, and, for each of the safety events involving the vehicle, locations of the safety events;

receiving, by the one or more computer processors and based on telematics data received from sensors within the vehicles of other drivers, data indicative of safety events associated with the other drivers and locations of the safety events, and

causing to be displayed on a map display to the driver at least one of indications of one or more of the identified safety events involving the driver and indications of one or more of the safety events associated with the other drivers.

11. The method of claim 10, wherein the sensor within the vehicle comprises one of a sensor in a smartphone within the vehicle, a sensor mounted on the vehicle, and a sensor integrated into a data system of the vehicle.

12. The method of claim 10, wherein the data indicative of processed telematics data comprises data from a third party data processing service and includes at least one of a detailed report concerning the telematics data from the vehicle and a summary report concerning the telematics data from the vehicle.

13. The method of claim 12, wherein the data indicative of the processed telematics data comprises a summary report that does not provide an identity of the driver or vehicle.

14. The method of claim 12, wherein the data indicative of processed telematics data received from the third party data processing service further includes one or both of a risk score for the driver and a premium discount for the driver based on the telematics data.

15. The method of claim 10, wherein the display on the map display of the indications of safety events includes a display of a single graphical icon representative of a number of the plurality of safety events that have occurred at one location.

16. The method of claim 15, wherein the single graphical icon representative of a number of safety events comprises one or both of a single graphical icon of a color representative of the number of safety events that have occurred at the location and a single graphical icon displaying a number representative of the number of safety events that have occurred at the location.

17. The method of claim 15, wherein the display of a plurality of safety events at the location comprises a display of a plurality of a single type of safety event at the location as a single graphical icon representative of a number of events of the single type safety event that have occurred at the location.

18. A system for processing data for displaying event data to a driver of a vehicle, the system comprising:

one or more data storage devices storing data indicative of processed telematics data, wherein said processed telematics data is based on telematics data received from a sensor within the vehicle of the driver, the telematics data comprising geo-position information of the vehicle and vehicle kinematics data;

one or more computer processors in communication with the one or more data storage devices;

a communications device in communication with the one or more computer processors and the one or more data storage devices; and

a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to;

identify, based on the stored data indicative of processed telematics data, safety events for the vehicle involving one or more of a speed, an orientation, an acceleration, and a deceleration of the vehicle, and, for each of the safety events involving the vehicle, locations of the safety events;

receive, by the communications device, data indicative of safety events associated with vehicles of other drivers and locations of the safety events based on telematics data received from sensors within vehicles of the other drivers, and

transmit, by the communications device, a map display to a driver device including at least one indication of one or more of the identified safety events involving the driver and indications of one or more safety events associated with the other drivers.

19. The system of claim 18, wherein the sensor within the vehicle comprises one of a sensor in a smartphone within the vehicle, a sensor mounted on the vehicle, and a sensor integrated into a data system of the vehicle, and wherein the data indicative of processed telematics data comprises data from a third party data processing service and includes at least one of a detailed report concerning the telematics data from the vehicle and a summary report concerning the telematics data from the vehicle.

20. The system of claim 18, wherein the data indicative of processed telematics data comprises data from a third party data processing service and includes one or both of a risk score for the driver and a premium discount for the driver based on the telematics data.