Risk assessment using portable devices
First Claim
1. A method of generating risk related information for insurance underwriting or risk assessment using a portable device comprising one or more processors, the method comprising:
- a. storing on a first non-transitory computer-readable media first information correlating to movement of a vehicle;
b. executing a movement isolation algorithm on a first processor on at least output information from one or more sensors of the portable device and generating second information, the one or more sensors comprising an accelerometer or an accelerometer and a gyroscope, the second information different from the first information and including information correlating to changes in orientation of the portable device relative to orientation of the vehicle during use of or interaction with the portable device by an operator of the vehicle while operating the vehicle;
c. executing on a second processor a vehicle operation performance algorithm on at least the first information and the second information, the vehicle operation performance algorithm generating vehicle operation performance information associated with the operator of the vehicle; and
d. executing on a third processor a risk assessment algorithm on at least the vehicle operation performance information, the risk assessment algorithm generating risk related information associated with the operator of the vehicle.
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Abstract
In one embodiment, a method of evaluating vehicle operation performance comprises obtaining first information correlating to the movement of a vehicle; obtaining second information different from the first information correlating to the movement of a portable device relative to the vehicle; and correlating the first information with the second information to evaluate the vehicle operation performance by an operator of the portable device during use of the portable device while operating the vehicle. In another embodiment, the information correlating to the movement of the vehicle is correlating to the use of one or more software applications or the use of one or more functional features of a portable device by an operator of the portable device while operating the vehicle.
241 Citations
24 Claims
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1. A method of generating risk related information for insurance underwriting or risk assessment using a portable device comprising one or more processors, the method comprising:
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a. storing on a first non-transitory computer-readable media first information correlating to movement of a vehicle; b. executing a movement isolation algorithm on a first processor on at least output information from one or more sensors of the portable device and generating second information, the one or more sensors comprising an accelerometer or an accelerometer and a gyroscope, the second information different from the first information and including information correlating to changes in orientation of the portable device relative to orientation of the vehicle during use of or interaction with the portable device by an operator of the vehicle while operating the vehicle; c. executing on a second processor a vehicle operation performance algorithm on at least the first information and the second information, the vehicle operation performance algorithm generating vehicle operation performance information associated with the operator of the vehicle; and d. executing on a third processor a risk assessment algorithm on at least the vehicle operation performance information, the risk assessment algorithm generating risk related information associated with the operator of the vehicle. - View Dependent Claims (2, 3, 4, 5)
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6. A method of generating risk related information for insurance underwriting or risk assessment using a portable device comprising one or more processors, the method comprising:
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a. storing on a first non-transitory computer-readable media first information correlating to movement of a vehicle; b. executing a movement isolation algorithm on a first processor on at least output information from one or more sensors of the portable device and generating second information, the one or more sensors comprising an accelerometer or an accelerometer and a gyroscope, the second information different from the first information and including information correlating to changes in orientation of the portable device relative to orientation of the vehicle during use of or interaction with the portable device by a vehicle operator while operating the vehicle; c. storing on a second non-transitory computer-readable media third information correlating to the use of or interaction with the portable device by the vehicle operator while operating the vehicle; d. executing on a second processor a vehicle operation performance algorithm on at least the first information, the second information, and the third information to generate vehicle operation performance information associated with the vehicle operator; and e. executing on a third processor a risk assessment algorithm on at least the vehicle operation performance information, the risk assessment algorithm generating risk related information associated with the vehicle operator. - View Dependent Claims (7, 8, 9)
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10. A system for generating risk related information for insurance underwriting or risk assessment, the system comprising:
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a. a portable device comprising at least one accelerometer and a non-transitory computer-readable storage medium comprising accelerometer information received from the at least one accelerometer; b. a first processor executing a movement isolation algorithm on at least the accelerometer information, the movement isolation algorithm extracting first information correlating to movement of a vehicle and second information correlating to changes in orientation of the portable device relative to orientation of the vehicle; c. a second processor executing a vehicle operation performance algorithm on at least the first information and the second information and generating vehicle operation performance information for a vehicle operator using or interacting with the portable device while operating the vehicle; and d. a third processor executing a risk assessment algorithm on at least the vehicle operation performance information to generate a risk assessment of the vehicle operator for insurance underwriting or risk management. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A system for generating risk related information for insurance underwriting using a portable device, the system comprising:
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a. a portable device comprising at least one accelerometer and a non-transitory computer-readable storage medium comprising accelerometer information received from the at least one accelerometer; b. a first processor executing a movement isolation algorithm on at least the accelerometer information, the movement isolation algorithm extracting first information correlating to movement of a vehicle and second information correlating to changes in orientation of the portable device relative to orientation of the vehicle; c. a second processor executing a risk assessment algorithm on at least vehicle operation performance information including the first information and the second information for a vehicle operator using or interacting with the portable device while operating the vehicle to generate a risk assessment of the vehicle operator for insurance underwriting or risk management.
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Specification