Systems and methods using a mobile device to collect data for insurance premiums
First Claim
1. A method for collecting and processing vehicle operation data by a mobile device of a user, the method comprising:
- during a driving session, collecting, by the mobile device of the user, vehicle operation data associated with operation of a vehicle while the vehicle is operating, the vehicle operation data comprising at least one of global positioning system (GPS) data and mobile device position data by one or more integrated sensors or devices in the mobile device;
during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, an orientation of the mobile device changing relative to the vehicle;
wherein said step of during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, the orientation of the mobile device changing relative to the vehicle comprises;
analyzing the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices during the driving session;
based at least on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining, by the mobile device, changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected;
adjusting, by the mobile device, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected;
processing, by the mobile device, the automatically adjusted vehicle operation data; and
wirelessly transmitting, by the mobile device, the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
110 Citations
19 Claims
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1. A method for collecting and processing vehicle operation data by a mobile device of a user, the method comprising:
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during a driving session, collecting, by the mobile device of the user, vehicle operation data associated with operation of a vehicle while the vehicle is operating, the vehicle operation data comprising at least one of global positioning system (GPS) data and mobile device position data by one or more integrated sensors or devices in the mobile device; during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, an orientation of the mobile device changing relative to the vehicle; wherein said step of during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, the orientation of the mobile device changing relative to the vehicle comprises; analyzing the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices during the driving session; based at least on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining, by the mobile device, changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; adjusting, by the mobile device, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; processing, by the mobile device, the automatically adjusted vehicle operation data; and wirelessly transmitting, by the mobile device, the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A handheld mobile device configured to collect and process vehicle operation data, the handheld mobile device comprising:
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one or more data collection devices configured to collect, during a driving session, vehicle operation data associated with operation of a vehicle while the vehicle is operating during a driving session, the one or more devices including at least one sensor or device configured to collect at least one of global positioning system (GPS) data and mobile device position data during the driving session; a processor; memory; a driving analysis application stored in the memory and executable by the processor to; monitor an orientation of the mobile device changing relative to the vehicle during the driving session and while the vehicle operation data is being collected by the one or more data collection devices; wherein monitoring the orientation of the mobile device changing relative to the vehicle during the driving session and while the vehicle operation data is being collected by the one or more data collection devices comprises; analyzing the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices during the driving session; and based at least on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; adjust, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; and process the automatically adjusted vehicle operation data; and a wireless transmitter configured to wirelessly transmit the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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Specification