Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer
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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.
25 Citations
33 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, wherein the step of the mobile device collecting vehicle operation data comprises the mobile device collecting vehicle operation data periodically during vehicle operation; 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)
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25. 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, wherein the step of the mobile device collecting vehicle operation data comprises sensing a characteristic of the mobile computing device selected from distance traveled, location, time, and g-force dynamics via the one or more sensors associated with the mobile device; 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 (26, 27, 28, 29, 30, 31, 32, 33)
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Specification