Computer System for Processing Motor Vehicle Sensor Data
First Claim
1. A computer system for processing motor vehicle sensor data, the system comprising:
- one or more data storage devices for storing telematics data for a driver of a vehicle;
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, the one or more data storage devices, and a driver device; 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;
receive, by the communications device, data indicative of demographic information for the driver of the vehicle;
transmit, by the communications device to the driver device, data indicative of a display including data indicative of a first average number of driving related safety events associated with a first safety event type, and data indicative of a second average number of driving related safety events associated with a second safety event type, wherein the first and second average numbers of safety events are based at least in part on the data indicative of demographic information for the driver;
receive, by the communications device from the driver device, data indicative of a first predicted number of driving related safety events of the first safety event type that are predicted to occur for the driver;
receive, by the communications device from the driver device, data indicative of a second predicted number of driving related safety events of the second safety event type that are predicted to occur for the driver;
calculate a predicted benefit for the vehicle based on the first and second predicted numbers of driving related safety events; and
transmit, via the communications device to the driver device for display, an indication of the predicted benefit.
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Abstract
A system and method are disclosed herein to predict a benefit associated with motor vehicle telematics data. The system includes a processor configured to determine demographic information associated with a driver of a vehicle. The processor may then display to the driver a first average number of safety events associated with a first safety event type along with a second average number of safety events associated with a second safety event type, wherein the first and second average numbers of safety events are based at least in part on the demographic information. A first predicted number of safety events associated with the first safety event type may be received from the driver along with a second predicted number of safety events associated with the second safety event type. Based on the first and second predicted numbers of safety events, a benefit may be automatically calculated and output.
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Citations
20 Claims
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1. A computer system for processing motor vehicle sensor data, the system comprising:
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one or more data storage devices for storing telematics data for a driver of a vehicle; 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, the one or more data storage devices, and a driver device; 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; receive, by the communications device, data indicative of demographic information for the driver of the vehicle; transmit, by the communications device to the driver device, data indicative of a display including data indicative of a first average number of driving related safety events associated with a first safety event type, and data indicative of a second average number of driving related safety events associated with a second safety event type, wherein the first and second average numbers of safety events are based at least in part on the data indicative of demographic information for the driver; receive, by the communications device from the driver device, data indicative of a first predicted number of driving related safety events of the first safety event type that are predicted to occur for the driver; receive, by the communications device from the driver device, data indicative of a second predicted number of driving related safety events of the second safety event type that are predicted to occur for the driver; calculate a predicted benefit for the vehicle based on the first and second predicted numbers of driving related safety events; and transmit, via the communications device to the driver device for display, an indication of the predicted benefit. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computerized method for processing motor vehicle sensor data, the method comprising:
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receiving, by one or more computer processors, data indicative of demographic information for a driver of a vehicle; transmitting, by the one or more computer processors via a communications device, to a driver device, display data including data indicative of a first average number of driving related safety events associated with a first safety event type and a second average number of driving related safety events associated with a second safety event type, wherein the first and second average numbers of safety events are based at least in part on the data indicative of demographic information for the driver; receiving, by the one or more computer processors by the communications device, a first predicted number of driving related safety events of the first safety event type predicted to occur for the driver; receiving, by the one or more computer processors by the communications device, a second predicted number of driving related safety events of the second safety event type predicted to occur for the driver; calculating, by the one or more computer processors, a predicted benefit for the vehicle based at least in part on the first and second predicted numbers of driving related safety events; and transmitting, via the communications device to the driver device, an indication of the predicted benefit. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A computer system for processing motor vehicle sensor data, the system comprising:
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one or more data storage devices for storing telematics data for a driver of a vehicle; 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, the one or more data storage devices, and a driver device; 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; receive, by the communications device, data indicative of demographic information for the driver of the vehicle; receive, by the communications device, a desired insurance policy benefit for an automobile insurance policy; determine a suggested driving modification for obtaining the desired insurance policy benefit; and transmit, by the communications device to the driver device, the suggested driving modification for obtaining the desired insurance policy benefit. - View Dependent Claims (18, 19, 20)
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Specification