SYSTEMS AND METHODS FOR SURFACE SEGMENT DATA
First Claim
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1. A system, comprising:
- a specially-programmed electronic controller device;
an electronic telematics device coupled to a vehicle and in communication with the specially-programmed electronic controller device via a wireless electronic network; and
a non-transitory electronic memory device in communication with the specially-programmed electronic controller device, the non-transitory electronic memory device storing (i) risk parameter data in relation to surface segment types, and (ii) specially-programmed instructions that when executed by the specially-programmed electronic controller device result in;
determining information descriptive of an amount of time the vehicle spends on a first type of surface segment, comprising;
determining, based on data received from a third-party device and via the wireless electronic network, credit card purchase transaction location information descriptive of the vehicle being located on a surface segment of the first type; and
determining, based on data received from a third-party device and via the wireless electronic network, credit card purchase transaction timing information descriptive of the amount of time the vehicle spends on the surface segment of the first type;
determining, based on data received from the electronic telematics device and via the wireless electronic network, information descriptive of an amount of time the vehicle spends on a second type of surface segment, such information being recorded by the electronic telematics device based on a measuring, by the electronic telematics device, of a physical roadway parameter that is indicative of the second type of surface segment;
determining, by accessing the risk parameter data stored in the non-transitory electronic memory device, a first risk metric of the first type of surface segment;
determining, by accessing the risk parameter data stored in the non-transitory electronic memory device, a second risk metric of the second type of surface segment;
determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;
determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and
determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle.
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Abstract
Systems, apparatus, interfaces, methods, and articles of manufacture that provide for acquisition, management, and/or utilization of surface segment data.
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Citations
20 Claims
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1. A system, comprising:
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a specially-programmed electronic controller device; an electronic telematics device coupled to a vehicle and in communication with the specially-programmed electronic controller device via a wireless electronic network; and a non-transitory electronic memory device in communication with the specially-programmed electronic controller device, the non-transitory electronic memory device storing (i) risk parameter data in relation to surface segment types, and (ii) specially-programmed instructions that when executed by the specially-programmed electronic controller device result in; determining information descriptive of an amount of time the vehicle spends on a first type of surface segment, comprising; determining, based on data received from a third-party device and via the wireless electronic network, credit card purchase transaction location information descriptive of the vehicle being located on a surface segment of the first type; and determining, based on data received from a third-party device and via the wireless electronic network, credit card purchase transaction timing information descriptive of the amount of time the vehicle spends on the surface segment of the first type; determining, based on data received from the electronic telematics device and via the wireless electronic network, information descriptive of an amount of time the vehicle spends on a second type of surface segment, such information being recorded by the electronic telematics device based on a measuring, by the electronic telematics device, of a physical roadway parameter that is indicative of the second type of surface segment; determining, by accessing the risk parameter data stored in the non-transitory electronic memory device, a first risk metric of the first type of surface segment; determining, by accessing the risk parameter data stored in the non-transitory electronic memory device, a second risk metric of the second type of surface segment; determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure; determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An electronically networked system for measuring physical attributes of a roadway, comprising:
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an electronic processing device; an electronic sensor device coupled to an object and in communication with the electronic processing device via a wireless electronic network; and a non-transitory electronic memory device in communication with the electronic processing device, the non-transitory electronic memory device storing instructions that when executed by the electronic processing device result in; determining, based on data received via the wireless electronic network and from the electronic sensor device, information descriptive of an amount of time a vehicle spends on a first type of surface segment; determining, based on data received via the wireless electronic network and from the electronic sensor device, information descriptive of an amount of time the vehicle spends on a second type of surface segment; determining a first risk metric of the first type of surface segment, wherein the first risk metric of the first type of surface segment comprises a risk metric based at least in part on one or more of;
(i) a surface material of the first type of surface segment;
(ii) a geometric characteristic of the first type of surface segment;
(iii) a wildlife condition adjacent to the first type of surface segment;
(iv) a construction status of the first type of surface segment; and
(v) a lighting characteristic of the first type of surface segment;determining a second risk metric of the second type of surface segment; determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure; determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle; and outputting, via a graphical user interface generated by the electronic processing device, a graphical representation of the insurance rate for the vehicle. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification