System and Method for Vehicle Telematics Data

• US 20170270615A1
• Filed: 06/01/2017
• Published: 09/21/2017
• Est. Priority Date: 05/22/2012
• Status: Abandoned Application

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Fernandes, Steven J., Feero, Steven R.
• Application Number:
  US15/611,322
• Publication Number:
  US 20170270615A1
• Time in Patent Office: Days
• CPC Class Codes: B60W 40/09 Driving style or behaviour
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G08G 5/0039 Modification of a flight plan

Abstract

A system and method are disclosed herein to receive preliminary telematics data collected by a smartphone and actual telematics data collected by a data collection device. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores the data indicative of preliminary telematics data collected by the smartphone, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to calculate an initial benefit based upon the preliminary telematics data, and apply the initial benefit in exchange for receiving the data indicative of actual telematics data via the data collection device within the vehicle. When the received data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final benefit based on the actual telematics data.

Claims

1. A vehicle telematics data management computer system comprising:

a data storage device configured to store data indicative of preliminary telematics data collected by a first data collection device within a vehicle and data indicative of actual telematics data collected by a second data collection device within the vehicle;

an application server configured to;

receive the data indicative of preliminary telematics data collected by the first data collection device within the vehicle during a first time period;

determine, based on the data indicative of preliminary telematics data, an initial safety-related benefit linked to driver participation in a telematics program;

responsive to receipt of data indicative of driver participation in the telematics program;

push, to a third-party telematics data processing platform, monitoring parameters for the third-party telematics data processing service to receive telematics data for the vehicle, during a second time period after the first time period, from the second data collection device within the vehicle, wherein the monitoring parameters include a stop parameter for stopping collection of the second time period telematics data, the stop parameter corresponding to a pre-determined condition for collection of the second time period telematics data;

receive, from the third-party telematics data processing platform based upon the second time period telematics data received by the third-party telematics data processing service and the monitoring parameters, date indicative of the actual telematics data collected by the second data collection device within the vehicle;

determine, based on the information corresponding to the actual telematics data, a final safety-related benefit, and

output an indication of the final safety-related benefit.

2. The computer system of claim 1, wherein the application server is further configured to determine the final safety-related benefit to be greater or less than the initial safety-related benefit depending on driving habits reflected by the data collected during the second time period.

3. The computer system of claim 1, wherein the application server is further configured to issue a policy to the driver responsive to receipt of data indicative of driver participation in the telematics program, and the initial safety-related benefit and the final safety-related benefits are benefits associated with the policy.

4. The computer system of claim 1, wherein the application server is further configured to:

pull data associated with the telematics data collected during the second time period from the third-party telematics data processing platform.

5. The computer system of claim 4, wherein the pulled data associated with the telematics data collected during the second time period from the third-party telematics data processing platform does not include location data corresponding to the vehicle.

6. The computer system of claim 1, wherein the first data collection device and the second data collection device comprise a same device.

7. The computer system of claim 1, wherein the stop parameter of the monitoring parameters corresponds to one of a time duration and a cumulative driving distance.

8. The computer system of claim 1, wherein the information corresponding to the actual telematics data received by the application server from the third-party telematics data processing platform comprises one of a risk score and a discount value.

9. The computer system of claim 1, wherein the first data collection device and the second data collection device being within the vehicle comprises the first data collection device and the second data collection device being one of:

inside the vehicle, attached to an outside of the vehicle, or integrated into the vehicle.

10. The computer system of claim 1, wherein the second data collection device is configured to encrypt the actual telematics data and remove one or both of location information and speed information from the actual telematics data.

11. A computer-implemented method comprising:

receiving, by an application server of a vehicle telematics data processing computer system, data indicative of preliminary telematics data collected by a first data collection device within the vehicle for a first time period;

storing, in a data storage device coupled to the application server, the data indicative of preliminary telematics data;

determining, by the application server based on the data indicative of preliminary telematics data, an initial vehicle safety-related benefit to be applied at commencement of a second time period, after the first time period, and associated with driver participation in a telematics program;

responsive to receiving data indicative of an agreement to participate in a telematics program from a driver;

pushing, by the application server to a third-party telematics data processing service, monitoring parameters for receiving second time period telematics data for the vehicle from a second data collection device within the vehicle, wherein the monitoring parameters include a stop parameter for stopping collection of the second time period telematics data, the stop parameter corresponding to a pre-determined condition for collection of the second time period telematics data;

receiving, by the application server from the third-party telematics data processing platform based upon the second time period telematics data received by the third-party telematics data processing platform and the monitoring parameters, information corresponding to actual telematics data collected by the second data collection device within the vehicle;

storing, by the data storage device, the information corresponding to the actual telematics data collected by the second data collection device within the vehicle;

determining, by the application server based on the information corresponding to the actual telematics data, a final vehicle safety-related benefit, wherein the final vehicle safety-related benefit may be greater or less than the initial vehicle safety-related benefit depending on driving habits reflected by the telematics data collected during the second time period; and

outputting, by the application server, an indication of the final vehicle safety-related benefit.

12. The computer-implemented method of claim 11, wherein the final safety-related benefit is determined to be greater or less than the initial safety-related benefit depending on driving habits reflected by the data collected during the second time period.

13. The computer-implemented method of claim 11, further comprising, responsive to receiving data indicative of an agreement to participate in a telematics program from the driver, issuing a risk mitigation policy to the driver, and the initial safety-related benefit and the final safety-related benefits are benefits associated with the policy.

14. The computer-implemented method of claim 11, further comprising pulling, by the application server, data associated with the second time period telematics data from the third-party telematics data processing service.

15. The computer-implemented method of claim 14, wherein the pulled data associated with the second time period telematics data from the third-party telematics data processing platform does not include location data corresponding to the vehicle.

16. The computer-implemented method of claim 11, wherein the first data collection device and the second data collection device comprise a same device.

17. The computer-implemented method of claim 11, wherein the information corresponding to the actual telematics data received by the application server from the third-party telematics data processing platform comprises one or more of a detailed report, a summary report, and supplemental data corresponding to the vehicle.

18. The computer-implemented method of claim 11, wherein the first data collection device and the second data collection device being within the vehicle comprises the first data collection device and the second data collection device being one of:

inside the vehicle, attached to an outside of the vehicle, or integrated into the vehicle.

19. The computer-implemented method of claim 11, wherein the actual telematics data is encrypted and does not include one or both of location information and speed information.

20. The computer-implemented method of claim 11, wherein the monitoring parameters further includes parameters to vary a rate of collection of the actual telematics data based on vehicle behavior.