Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer
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Accused Products
Abstract
A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.
22 Citations
35 Claims
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1-15. -15. (canceled)
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16. A method for collecting, transmitting, and displaying vehicle-related information by a mobile device, the method comprising:
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collecting, by the mobile device, vehicle operation data while a vehicle is in operation, the collecting step comprising automatically collecting the vehicle operation data via one or more sensors integrated in the mobile device during a data collection session, the collecting step including; automatically beginning to collect the vehicle operation data in response to detecting a first predefined triggering event regarding operation of the vehicle; and stopping collection of the vehicle operation data in response to detecting a second predefined triggering event regarding operation of the vehicle; collecting, by the mobile device, geographic location information during the data collection session, the collected geographic location information dynamically identifying a location of the vehicle; scoring, by the mobile device, the driving behavior of a driver via execution of an application stored locally in the mobile device by; comparing the vehicle operation data collected by the one or more integrated sensors with one or more predefined threshold values; identifying one or more notable driving events based on the comparison of the collected vehicle operation data with the one or more predefined threshold values; determining a geographic location of each identified notable driving event based on the collected geographic location information; calculating one or more driving scores for the driver based at least on the collected vehicle operation data and the one or more identified notable driving events; displaying, by the mobile device, the one or more driving scores; and displaying, by the mobile device, a map indicating the geographic location determined for each identified notable driving event. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. A mobile device, comprising:
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a processor; one or more sensors integrated in the mobile device; a display device; and a non-transitory computer readable storage medium storing instructions, which when executed by the processor of the mobile device, cause the processor to perform the following steps; collect vehicle operation data from the one or more sensors integrated in the mobile device while a vehicle is in operation, the collecting step including; automatically beginning to collect the vehicle operation data in response to detecting a first predefined triggering event regarding operation of the vehicle; and stopping collection of the vehicle operation data in response to detecting a second predefined triggering event regarding operation of the vehicle; collect geographic location information during the data collection session using a location application stored on the mobile device, the collected geographic location information dynamically identifying a location of the vehicle; score the driving behavior of a driver by; comparing the vehicle operation data collected by the one or more integrated sensors with one or more predefined threshold values; identifying one or more notable driving events based on the comparison of the collected vehicle operation data with the one or more predefined threshold values; determining a geographic location of each identified notable driving event based on the collected geographic location information; calculating one or more driving scores for the driver based at least on the collected vehicle operation data and the one or more identified notable driving events; display via the display device the one or more driving scores; and display via the display device a map indicating the geographic location determined for each identified notable driving event. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35)
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Specification