MONITORING SYSTEM AND METHOD
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Abstract
A monitoring system (1) for determining compliance with one or more vehicle insurance rules. The system (1) includes an internal camera (30) for capturing an image of a driver and a controller (2). The controller (2) includes a journey detection module (22) for detecting an attempt by an individual or driver to initiate a journey, an accelerometer (28) for detecting driver behaviour and/or for detecting an eccentric event such as a collision. The controller (2) may also include or be connected to one or more external cameras (31, 32, 33) and/or other sensors to gather data relevant to driver behaviour. The system (1) is configured to capture an image using the internal camera (30) on or after detection of an attempt to initiate a journey. The system (1) compares the captured image with a database of biometric data using a photo recognition algorithm to determine whether it corresponds to the biometric data of an authorised individual. If the image does not correspond to an authorised individual, the policy holder is notified and requested to authorise the driver. If the driver is authorised, the system (1) monitors driving conditions, compiling a driver profile and associating it with the driver. If an eccentric event, such as a collision, is detected the system (1) notifies one or more of an insurance company, monitoring agency, emergency services and law enforcement agency who take appropriate action.
43 Citations
63 Claims
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1-43. -43. (canceled)
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44. A monitoring system for determining compliance with one or more vehicle insurance rules, the system comprising:
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a journey detection module associated with a vehicle for detecting an attempt by an individual to initiate a journey; a biometric data detection module associated with the vehicle for detecting biometric data associated with the individual or driver attempting to initiate the journey; a memory on which is stored a database of biometric data associated with one or more authorized individuals; a vehicle communication module for communicating with an authority; and a processor operatively connected to the journey detection module, the biometric data detection module, the memory module and the vehicle communication module; wherein the system is configured to compare, on or after detection of an attempt to initiate a journey by the journey detection module, biometric data detected by the biometric data detection module with the database of biometric data and to cause the vehicle communication module to alert an authority if the detected biometric data does not correspond to the biometric data of an authorized individual. - View Dependent Claims (45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56)
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57. A monitoring system for determining compliance with one or more vehicle insurance rules, the system comprising:
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a biometric data detection module associated with a vehicle for detecting biometric data associated with an individual operating or driving the vehicle; a memory on which is stored a database of biometric data associated with one or more authorized individuals; one or more condition detection sensors for detecting or capturing data relating to driver behaviour; and a processor operatively connected to the biometric data detection module, the memory and the one or more condition detection sensors; wherein the system is configured to compare, in use, biometric data detected by the biometric data detection module with the database of biometric data in order to identify an authorized individual corresponding to the detected biometric data, and to associate data from or captured by the one or more condition detection sensors with the identified authorized individual. - View Dependent Claims (58, 59)
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60. A method of monitoring the use of a vehicle, the method comprising:
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detecting an attempt by an individual or driver to initiate a journey; detecting biometric data associated with the individual or driver attempting to initiate the journey; comparing the detected biometric data with a database of biometric data associated with one or more authorized individuals to determine whether the individual or driver attempting to initiate the journey is an authorized individual; and alerting an authority if the detected biometric data does not correspond to the biometric data of one of the one or more authorized individuals. - View Dependent Claims (61, 62)
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63. A method of monitoring compliance with one or more vehicle insurance rules, the method comprising:
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detecting biometric data associated with an individual operating or driving the vehicle; comparing the detected biometric data with the database of biometric data in order to identify an authorized individual corresponding to the detected biometric data; capturing data relating to driver behavior; and associating the captured data with the identified authorized individual.
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Specification