SYSTEM AND METHOD FOR IDENTIFYING PRIMARY AND SECONDARY MOVEMENT USING SPECTRAL DOMAIN ANALYSIS

• US 20150332408A1
• Filed: 05/15/2014
• Published: 11/19/2015
• Est. Priority Date: 05/15/2014
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Menon, Sunish Shreenarayan, Dosher, David James, Christensen, Scott Thomas
• Granted Patent: US 10,304,138 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/085 using electronic data carriers

Abstract

A computer implemented method for determining a primary movement window from a vehicle trip is presented. A data server may receive a plurality of telematics data originating from a client computing device and summarize the plurality of telematics data at a specified sample rate. The data server may also select one or more data points from the plurality of telematics data and determine that the selected data points meets a threshold value. The data server may further identify a first primary movement and constant speed windows including the data points and associate the first primary movement and constant speed windows with a customer account and auto insurance risk.

Claims

1. A computer implemented method for determining a primary movement window from a vehicle trip, the method comprising:

receiving, via a computer network, a plurality of telematics data originating from a client computing device, wherein the client computing device includes an accelerometer;

summarizing, by one or more processors, the plurality of telematics data at a specified sample rate;

selecting, by the one or more processors, one or more data points from the plurality of telematics data;

determining, by the one or more processors, that each of the selected data points meets a threshold value; and

identifying, by the one or more processors, a first primary movement window including the selected data points if each of the selected data points does not meet the threshold value,

wherein the identified first primary movement window is indicative of the accelerometer being static with respect to the vehicle and a selected data point that meets the threshold value is indicative of the accelerometer moving with respect to the vehicle.

2. The method of claim 1, further comprising:

identifying, by the one or more processors, a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data.

3. The method of claim 2, further comprising:

comparing, by the one or more processors, the diagonal and the off-diagonal data points with a first threshold value; and

determining, by the one or more processors, whether at least one of the diagonal or the off-diagonal data points is above the first threshold value.

4. The method of claim 3 further comprising:

determining, by the one or more processors, whether at least one of the diagonal or the off-diagonal data points are below a second threshold value.

5. The method of claim 1 further comprising:

determining, by the one or more processors, a vehicle insurance risk using at least the first primary movement window.

6. The method of claim 1 further comprising:

splitting, by the one or more processors, the telematics data into one or more temporal segments.

7. The method of claim 6 further comprising:

shifting down one or more temporal segments by at least one data point.

8. A computer device for determining a primary movement window from a vehicle trip, the method comprising:

one or more processors; and

one or more memories coupled to the one or more processors;

the one or more memories including non-transitory 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, a plurality of telematics data originating from a client computing device, wherein the client computing device includes an accelerometer;

summarize the plurality of telematics data at a specified sample rate;

select one or more data points from the plurality of telematics data;

determine that each of the selected data points meet a threshold value; and

identify a first primary movement window including the selected data points if each of the selected data points does not meet the threshold value,

wherein the identified first primary movement window is indicative of the accelerometer being static with respect to the vehicle and a selected data point that meets the threshold value is indicative of the accelerometer moving with respect to the vehicle.

9. The computer device of claim 8, further comprising non-transitory computer executable instructions to cause the one or more processors to:

identify a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data.

10. The computer device of claim 9, further comprising non-transitory computer executable instructions to cause the one or more processors to:

compare the diagonal and the off-diagonal data points with first threshold value; and

determine whether at least one of the diagonal or the off-diagonal data points is above the first threshold value.

11. The computer device of claim 10, further comprising non-transitory computer executable instructions to cause the one or more processors to:

compare the diagonal and the off-diagonal data points with a threshold value; and

determine whether at least one of the diagonal or the off-diagonal data points are below a second threshold value.

12. A computer device of claim 8 further comprising:

determining an auto insurance risk using at least the primary movement window.

13. The computer device of claim 8, further comprising non-transitory computer executable instructions to cause the one or more processors to:

split the telematics data into one or more temporal segments.

14. The computer device of claim 13, further comprising non-transitory computer executable instructions to cause the one or more processors to:

shifting down one or more temporal segments by at least one data point.

15. A computer readable storage medium comprising non-transitory computer readable instructions stored thereon for determining a primary movement window from a vehicle trip, the instructions when executed on one or more processors cause the one or more processors to;

receive, via a computer network, a plurality of telematics data originating from a client computing device, wherein the client computing device includes an accelerometer;

summarize the plurality of telematics data at a specified sample rate;

select one or more data points from the plurality of telematics data;

determine that each of the selected data points meet a threshold value; and

identify a first primary movement window including the selected data points if each of the selected data points does not meet the threshold value,

wherein the identified first primary movement window is indicative of the accelerometer being static with respect to the vehicle and a selected data point that meets the threshold value is indicative of the accelerometer moving with respect to the vehicle.

16. The computer readable storage medium of claim 15, comprising further instructions stored thereon that cause the one or more processors to:

identify a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data.

17. The computer readable storage medium of claim 16, comprising further instructions stored thereon that cause the one or more processors to:

compare the diagonal and the off-diagonal data points with a first threshold value; and

determine, at the one or more processors, whether at least one of the diagonal or off-diagonal data points is above the first threshold value.

18. The computer readable storage medium of claim 17, comprising further instructions stored thereon that cause the one or more processors to:

compare the three unique off-diagonal or diagonal data points with a threshold value; and

determine whether all of the three unique off-diagonal or diagonal data points is above a second threshold value.

19. A computer readable storage medium of claim 15 further comprising:

determining, by the one or more processors, an auto insurance risk using at least the primary movement window.

20. The computer readable storage medium of claim 15, comprising further instructions stored thereon that cause the one or more processors to:

split the telematics data into one or more temporal segments.

21. The computer readable storage medium of claim 20, comprising further instructions stored thereon that cause the one or more processors to:

shift down one or more temporal segments by at least one data point.