Risk assessment using portable devices
First Claim
1. A method of generating risk related information for insurance underwriting, the method comprising:
- a. obtaining first information correlating to movement of a vehicle;
b. obtaining second information different from the first information from output information from one or more sensors of a portable device, the one or more sensors comprising an accelerometer or an accelerometer and a gyroscope, the second information correlating to changes in orientation of the portable device relative to orientation of the vehicle during use of the portable device by an operator of the vehicle while operating the vehicle;
c. correlating the first information with the second information to evaluate a vehicle operation performance by the operator of the vehicle; and
d. generating risk related information associated with the operator of the vehicle based on the vehicle operation performance.
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Accused Products
Abstract
In one embodiment, a method of evaluating vehicle operation performance comprises obtaining first information correlating to the movement of a vehicle; obtaining second information different from the first information correlating to the movement of a portable device relative to the vehicle; and correlating the first information with the second information to evaluate the vehicle operation performance by an operator of the portable device during use of the portable device while operating the vehicle. In another embodiment, the information correlating to the movement of the vehicle is correlating to the use of one or more software applications or the use of one or more functional features of a portable device by an operator of the portable device while operating the vehicle.
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Citations
20 Claims
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1. A method of generating risk related information for insurance underwriting, the method comprising:
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a. obtaining first information correlating to movement of a vehicle; b. obtaining second information different from the first information from output information from one or more sensors of a portable device, the one or more sensors comprising an accelerometer or an accelerometer and a gyroscope, the second information correlating to changes in orientation of the portable device relative to orientation of the vehicle during use of the portable device by an operator of the vehicle while operating the vehicle; c. correlating the first information with the second information to evaluate a vehicle operation performance by the operator of the vehicle; and d. generating risk related information associated with the operator of the vehicle based on the vehicle operation performance. - View Dependent Claims (2, 3, 4, 5)
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6. A method of generating risk related information for insurance underwriting, the method comprising:
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a. obtaining first information correlating to movement of a vehicle; b. obtaining second information different from the first information from output information from one or more sensors of a portable device, the one or more sensors comprising an accelerometer or an accelerometer and a gyroscope, the second information correlating to changes in orientation of the portable device relative to orientation of the vehicle during use of the portable device by a vehicle operator while operating the vehicle; c. obtaining third information correlating to the use of the portable device by the vehicle operator while operating the vehicle; d. correlating the first information, the second information, and the third information to evaluate a vehicle operation performance by the operator of the vehicle; and e. generating risk related information associated with the vehicle operator based on the vehicle operation performance. - View Dependent Claims (7, 8, 9)
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10. A system for generating risk related information for insurance underwriting, the system comprising:
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a. a portable device comprising at least one accelerometer and a non-transitory computer-readable storage medium comprising accelerometer information received from the at least one accelerometer; b. a first processor executing a movement isolation algorithm on the accelerometer information, the movement isolation algorithm extracting first information correlating to movement of a vehicle and second information correlating to changes in orientation of the portable device relative to orientation of the vehicle; c. a second processor executing a correlation algorithm, the correlation algorithm correlates the first information with the second information and generates vehicle operation performance information for a vehicle operator during use of the portable device while operating the vehicle; and d. a third processor executing a risk assessment algorithm on the vehicle operation performance information to generate a risk assessment of the vehicle operator for insurance underwriting. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification