Interactive Dashboard Display

• US 20160379310A1
• Filed: 09/12/2016
• Published: 12/29/2016
• Est. Priority Date: 01/28/2015
• Status: Active Application

• Current Assignee: Arity International Limited (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Madigan, Regina, Ferguson, Dana, Slusar, Mark, Gibson, Timothy W., Hayes, Howard, Irey, Grady
• Granted Patent: US 10,846,799 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 3/048 Interaction techniques based on graphical user interfaces [GUI]
• CPC Class Codes: G06F 3/147 using display panels
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G07C 5/0825 using optical means

Abstract

Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit usage-based insurance policies. In some arrangements, sensor data associated with vehicle operation data, driving data, and the like, may be received and analyzed to determine a consumption rate of risk units in the risk unit usage-based insurance policy. In some examples, one or more driving behaviors may also be identified (e.g., from the sensor data, historical data, and the like). In some examples, one or more user interfaces may be generated displaying the determined consumption rate and/or driving behaviors. In some arrangements, additional information, such as one or more recommendations for improving (e.g., reducing) consumption rate may be generated and provided via the generated user interface.

Claims

1. An on-board vehicle computing device, comprising:

a display arranged in a dashboard of a vehicle;

at least one processor; and

at least one memory storing computer-readable instructions that, when executed by the at least one processor, cause the on-board vehicle computing device to;

receive, from a plurality of sensors arranged on the vehicle and collecting vehicle operational data, sensor data associated with operation of the vehicle during at least a first driving trip;

determine, in real-time, a consumption rate of risk units associated with the operation of the vehicle during the first driving trip based on the received sensor data;

identify, based at least in part on the received sensor data, one or more driving behaviors of a driver of the vehicle during at least the first driving trip;

generate a user interface including the determined consumption rate and identified one or more driving behaviors; and

display, on the display of the on-board vehicle computing device, the generated user interface.

2. The on-board vehicle computing device of claim 1, further including instructions that, when executed by the at least one processor, cause the on-board vehicle computing device to:

generate, based at least in part on the received sensor data, a recommendation for reducing the determined consumption rate, and

wherein generating the user interface includes providing the determined recommendation for reducing the determined consumption rate in the user interface.

3. The on-board vehicle computing device of claim 2, further including instructions that, when executed by the at least one processor, cause the on-board vehicle computing device to:

determine whether the first driving trip is completed; and

responsive to determining that the first driving trip is completed, transmit the generated recommendation to a second computing device different from the on-board vehicle computing device for display on the second computing device; and

responsive to determining that the first driving trip is not completed, storing the generated recommendation until it is determined that the first driving trip is completed.

4. The on-board vehicle computing device of claim 1, further including instructions that, when executed by the at least one processor, cause the on-board vehicle computing device to:

receive a risk rating for a route on which the vehicle is travelling;

determine, based at least in part on the received sensor data and the risk rating for the route, whether a modification to vehicle operation should be made;

responsive to determining that the modification to vehicle operation should be made, automatically modifying operation of the vehicle.

5. The on-board vehicle computing device of claim 4, wherein automatically modifying operation of the vehicle further includes transmitting a signal to one or more systems of the vehicle to perform a speed reduction operation.

6. The on-board vehicle computing device of claim 1, further including instructions that, when executed by the at least one processor, cause the on-board vehicle computing device to:

generate, at a predetermined time interval, a first offer for a risk unit usage-based insurance policy provided by a first insurance provider based on at least one of;

the determined consumption rate, the identified one or more driving behaviors, and the received sensor data;

receive, from at least a second insurance provider different from the first insurance provider, a second offer for a risk unit usage-based insurance policy;

wherein generating the user interface further includes generating the user interface to include the first offer and the second offer, and

wherein displaying the generated user interface includes displaying the first offer and the second offer on the user interface.

7. A risk unit usage-based insurance system, comprising:

one or more sensors arranged on a vehicle and configured to collect at least vehicle operation data;

an insurance system server including at least a first processor, and at least a first memory storing computer-readable instructions that, when executed by the at least a first processor, cause the insurance system server to;

receive, from the plurality of sensors, sensor data associated with operation of the vehicle during at least a first driving trip;

determine a consumption rate of risk units associated with the operation of the vehicle during the first driving trip based on the received sensor data;

identify one or more driving behaviors of a driver of the vehicle during at least the first driving trip;

generate a user interface including the determined consumption rate and identified one or more driving behaviors;

transmit the generated user interface to an on-board vehicle computing device having a display;

the on-board vehicle computing device having a display arranged in a dashboard of a vehicle, the on-board vehicle computing device further including at least a second processor and at least a second memory storing computer-readable instructions that, when executed by the at least a second processor cause the on-board vehicle computing device to;

receive the generated user interface; and

display, on the display of the on-board vehicle computing device, the generated user interface.

8. The risk unit usage-based insurance system of claim 7, wherein the sensor data is receive by the insurance system server via a telematics device located in the vehicle.

9. The risk unit usage-based insurance system of claim 7, further including instructions that, when executed by the at least a first processor, cause the insurance system server to:

generate, based at least in part on the received sensor data, a recommendation for reducing the determined consumption rate, and

wherein generating the user interface includes providing the determined recommendation for reducing the determined consumption rate in the user interface.

10. The risk unit usage-based insurance system of claim 9, further including instructions that, when executed by the at least a first processor, cause the insurance system server to:

determine whether the first driving trip is completed; and

responsive to determining that the first driving trip is completed, transmitting the generated recommendation to a second computing device different from the on-board vehicle computing device for display on the second computing device; and

responsive to determining that the first driving trip is not completed, storing the generated recommendation until it is determined that the first driving trip is completed.

11. The risk unit usage-based insurance system of claim 7, further including instructions that, when executed by the at least a second processor, cause the on-board vehicle computing device to:

receive a risk rating for a route on which the vehicle is travelling;

determine, based at least in part on the received sensor data and the risk rating for the route, whether a modification to vehicle operation should be made;

responsive to determining that the modification to vehicle operation should be made, automatically modifying operation of the vehicle.

12. The risk unit usage-based insurance system of claim 11, wherein automatically modifying operation of the vehicle further includes transmitting a signal to one or more systems of the vehicle to perform a speed reduction operation.

13. The risk unit usage-based insurance system of claim 7, further including instructions that, when executed by the at least a first processor, cause the insurance system server to:

generate, at a predetermined time interval, a first offer for a risk unit usage-based insurance policy provided by a first insurance provider based on at least one of;

the determined consumption rate, the identified one or more driving behaviors, and the received sensor data;

receive, from at least a second insurance provider different from the first insurance provider, a second offer for a risk unit usage-based insurance policy;

wherein generating the user interface further includes generating the user interface to include the first offer and the second offer, and

wherein displaying the generated user interface includes displaying the first offer and the second offer on the user interface.

14. A method of displaying a consumption rate of risk units, comprising:

receiving, by an insurance system server and from one or more sensors arranged in a vehicle and monitoring operational data of the vehicle, sensor data associated with operation of the vehicle during at least a first driving trip;

determine, by the insurance system server, a consumption rate of risk units associated with the operation of the vehicle during the first driving trip based on the received sensor data;

identify, by the insurance system server, one or more driving behaviors of a driver of the vehicle during at least the first driving trip;

generate, by the insurance system server, a user interface including the determined consumption rate and identified one or more driving behaviors;

transmit, by the insurance system server and to a display of an on-board vehicle computing device, the generated user interface;

receive, by the on-board vehicle computing device, the generated user interface; and

display, on the display of the on-board vehicle computing device, the generated user interface.

15. The method of claim 14, wherein the sensor data is receive by the insurance system server via a telematics device located in the vehicle.

16. The method of claim 14, wherein the display of the on-board vehicle computing device is arranged in a dashboard of the vehicle.

17. The method of claim 14, further including:

generate, by the insurance system server and based at least in part on the received sensor data, a recommendation for reducing the determined consumption rate, and

wherein generating the user interface includes providing the determined recommendation for reducing the determined consumption rate in the user interface.

18. The method of claim 17, further including:

determine, by the on-board vehicle computing device, whether the first driving trip is completed; and

responsive to determining that the first driving trip is completed, transmit, by the onboard vehicle computing device, the generated recommendation to a second computing device different from the on-board vehicle computing device for display on the second computing device; and

responsive to determining that the first driving trip is not completed, storing, by the on-board vehicle computing device, the generated recommendation until it is determined that the first driving trip is completed.

19. The method of claim 14, further including:

receive a risk rating for a route on which the vehicle is travelling;

determine, based at least in part on the received sensor data and the risk rating for the route, whether a modification to vehicle operation should be made;

responsive to determining that the modification to vehicle operation should be made, automatically modifying operation of the vehicle.

20. The method of claim 19, wherein automatically modifying operation of the vehicle further includes transmitting a signal to one or more systems of the vehicle to perform a speed reduction operation.