Method for applying usage based data

• US 9,082,072 B1
• Filed: 07/15/2012
• Issued: 07/14/2015
• Est. Priority Date: 07/14/2011
• Status: Active Grant

• Current Assignee: Carol Ann Wedding, Daniel K. Wedding, Donald K. Wedding Jr
• Original Assignee: Donald K. Wedding Jr
• Inventors: Wedding, Daniel K., Wedding, Carol Ann, Wedding, Donald K. Jr.
• Primary Examiner(s): Chen, Alan
• Assistant Examiner(s): Chubb, Mikayla
• Application Number:
  US13/549,498
• Time in Patent Office: 1,094 Days
• US Class Current: 1/1
• CPC Class Codes: G06N 5/02 Knowledge representation; Symbolic representation
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method for measuring volatility of usage based data. Usage based data are measureable parameters of a system and parameters in which the system operates in order to infer the manner in which the system is operated. The method allows for inferences regarding the operator or operators of the system and the environment in which it operates. This invention is described with reference to consumer automobiles and drivers in typical environments, primarily for application in the automobile insurance industry where measuring volatility to determine behavior. However, this method may be applied to other systems including commercial automobiles and trucks, motorcycles, all terrain automobiles, snow mobiles, water craft, air craft, space craft, assembly line operation, robotic devices, remote operational devices, and military automobiles. This method may also be applied to applications other than assessing risk including, but not limited to, marketing, profiling, sales, optimization, operations and control.

Claims

1. A method for analyzing usage based data to describe driving behavior comprising one or more dimensions from a given system or set of systems, said method comprising the steps of organizing the usage based data into one or more line segments and determining the generalized line length of each segment so as to describe driving behavior, said driving behavior being one or more selected from lateral movement, vertical movement, vertical position, roll, pitch, yaw, and altitude.

2. The method of claim 1 wherein said driving behavior is determined by comparing the data to a target data.

3. The method of claim 1 wherein said driving behavior is quantified as a behavioral score.

4. The method of claim 1 wherein said driving behavior is used to assess risk.

5. The method of claim 1 wherein said driving behavior is used to predict future behavior.

6. A method for analyzing usage based data to describe driving behavior comprising one or more dimensions from a given system or set of systems, said method comprising the steps of organizing the data into one or more line segments and determining the slope of the generalized line length of each segment in order to describe driving behavior, said driving behavior being one or more elected from lateral movement, vertical movement, vertical position, roll, pitch, yaw, and altitude.

7. The method of claim 6 wherein said driving behavior is determined by comparing the data to a target data.

8. The method of claim 6 wherein said driving behavior is quantified as a behavioral score.

9. The method of claim 6 wherein said driving behavior is used to assess risk.

10. The method of claim 6 wherein said driving behavior is used to predict future behavior.

11. A method for analyzing usage based data to describe driving behavior comprising one or more dimensions from a given system or set of systems, said method comprising the steps of organizing the data into one or more line segments and determining the area above or below the generalized line segments in order to describe driving behavior, said driving behavior being one or more selected from lateral movement, vertical movement, vertical position, roll, pitch, yaw, and altitude.

12. The method of claim 11 wherein said driving behavior is determined by using the area between the generalized line segment and the target data.

13. The method of claim 11 wherein said driving behavior is quantified as a behavioral score.

14. The method of claim 11 wherein said driving behavior is used to assess risk.

15. The method of claim 11 wherein said driving behavior is used to predict future behavior.

16. A method for analyzing usage based data to describe driving behavior comprising one or more dimensions from a given system or set of systems, said method comprising the steps of organizing the data into one or more line segments and determining the generalized line length, slope, and area above or below the generalized line segments in combination to be used to describe driving behavior, said driving behavior being one or more selected from lateral movement, vertical movement, vertical position, roll, pitch, yaw, and altitude.

17. The method of claim 16 wherein said driving behavior is determined by using the area between the generalized line segment and the target data.

18. The method of claim 16 wherein said driving behavior is quantified as a behavioral score.

19. The method of claim 16 wherein said driving behavior is used to assess risk.

20. The method of claim 16 wherein said driving behavior is used to predict future behavior.