Determining Driving Patterns from On-Board Vehicle Sensor Data
First Claim
1. A computer implemented method for providing insurance, the method comprising:
- receiving, via a computer network, vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors;
analyzing, by one or more processors, the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component;
determining, by the one or more processors, that the driving pattern indicates a change in the rating;
adjusting, by the one or more processors, the rating data component; and
processing, by the one or more processors, one or more insurance options based at least in part on the changed rating.
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Accused Products
Abstract
A computer implemented method for providing insurance receives vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors. The method also analyzes the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component. The method further determines that the driving pattern indicates a change in the rating and adjusts the rating data component. The method further processes one or more insurance options based at least in part on the changed rating.
74 Citations
27 Claims
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1. A computer implemented method for providing insurance, the method comprising:
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receiving, via a computer network, vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors; analyzing, by one or more processors, the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component; determining, by the one or more processors, that the driving pattern indicates a change in the rating; adjusting, by the one or more processors, the rating data component; and processing, by the one or more processors, one or more insurance options based at least in part on the changed rating. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer device for providing insurance, the device comprising:
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one or more processors; and one or more memories coupled to the one or more processors; wherein the one or more memories include computer executable instructions stored therein, that, when executed by the one or more processors, cause the one or more processors to; receive, via a computer network, vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the plurality of vehicle data originates from one or more sensors; analyze the plurality of vehicle data to determine a driving pattern associated with one or more operators of the vehicle wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component; determine that the driving pattern indicates a change in the rating; adjust the rating data component; and process one or more insurance options based at least in part on the changed rating. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer readable storage medium comprising non-transitory computer readable instructions stored thereon, that, when executed by one or more processors, cause the one or more processors to:
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receive, via a computer network, vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors; analyze the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component; determine that the driving pattern indicates of a change in the rating; adjust the rating of the rating data component; and process one or more insurance options based at least in part on the changed rating. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
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Specification