Methods using a mobile device to provide data for insurance premiums to a remote computer
First Claim
1. A method for collecting, transmitting, and displaying vehicle-related information by a mobile device, the method comprising:
- 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;
beginning to collect the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine start, threshold vehicle engine RPM, and vehicle mobility; and
stopping collection of the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility;
scoring, by the mobile device, via execution of an application stored locally in the mobile device, 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;
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;
after calculating the one or more driving scores by the mobile device executing the locally stored application, transmitting, by the mobile device, the calculated one or more driving scores to a remote processing computer for insurance premium analysis;
receiving, by the mobile device from the remote processing computer, data comprising an insurance premium for the driver; and
displaying, by the mobile device, the insurance premium for the driver.
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Accused Products
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.
112 Citations
6 Claims
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1. 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; beginning to collect the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine start, threshold vehicle engine RPM, and vehicle mobility; and stopping collection of the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility; scoring, by the mobile device, via execution of an application stored locally in the mobile device, 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; 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; after calculating the one or more driving scores by the mobile device executing the locally stored application, transmitting, by the mobile device, the calculated one or more driving scores to a remote processing computer for insurance premium analysis; receiving, by the mobile device from the remote processing computer, data comprising an insurance premium for the driver; and displaying, by the mobile device, the insurance premium for the driver. - View Dependent Claims (2, 3, 4, 5)
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6. A mobile device for collecting, transmitting, and displaying vehicle-related information, comprising:
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a processor; 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 one or more sensors integrated in the mobile device while a vehicle is in operation, the collecting step including; beginning to collect the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine start, the vehicle engine RPM, and vehicle mobility; and stopping collection of the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility; 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; and calculating one or more scores related to driving behavior of the driver based at least on the collected vehicle operation data and the one or more identified notable driving events; after calculating the one or more driving scores by the mobile device executing the locally stored application, transmit the calculated one or more scores related to driving behavior of the driver to a remote processing computer for insurance premium analysis; receive from the remote processing computer data comprising an insurance premium for the driver; and display on a display device of the mobile device the insurance premium for the driver.
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Specification