Vehicle image and sound data gathering for insurance rating purposes
First Claim
1. A computer-implemented method for providing vehicle insurance, the method comprising:
- receiving, by one or more processors executing a processor-implemented instruction module, data associated with a vehicle captured by a sensor of a computing device, wherein the data includes sound data produced by the vehicle and captured by an audio sensor of the computing device, the sound data having a particular frequency;
analyzing, by the processor-implemented instruction module, the received data to determine an operating condition of the vehicle, wherein determining the operating condition of the vehicle includes comparing the particular frequency of the sound data captured by the audio sensor to a baseline frequency of a baseline engine sound model to determine one or more of an indication of a state of disrepair of the vehicle engine or an indication of an inappropriate or illegal modification of the vehicle engine;
determining, by the processor-implemented instruction module, a deviation between the particular frequency of the sound data and the baseline frequency of the baseline engine sound model;
identifying, by the processor-implemented instruction module, a beginning or ending of a trip using the vehicle based at least in part on the sound data captured by the audio sensor of the computing device, wherein the beginning of the trip causes collection of vehicle usage data including one or more of miles driven, a speed, a time of day, or a geographic location;
calculating, by the processor-implemented instruction module, a risk of loss for the vehicle based on (i) the determined operating condition of the vehicle (ii) the deviation, (iii) the vehicle usage data, and (iv) the sound data used to identify the beginning or ending of the trip using the vehicle;
determining, by the processor-implemented instruction module, an insurance premium for the vehicle based at least in part on the calculated risk of loss; and
providing, by the processor-implemented instruction module, the determined insurance premium to a user.
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Accused Products
Abstract
A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user'"'"'s mobile phone.
37 Citations
20 Claims
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1. A computer-implemented method for providing vehicle insurance, the method comprising:
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receiving, by one or more processors executing a processor-implemented instruction module, data associated with a vehicle captured by a sensor of a computing device, wherein the data includes sound data produced by the vehicle and captured by an audio sensor of the computing device, the sound data having a particular frequency; analyzing, by the processor-implemented instruction module, the received data to determine an operating condition of the vehicle, wherein determining the operating condition of the vehicle includes comparing the particular frequency of the sound data captured by the audio sensor to a baseline frequency of a baseline engine sound model to determine one or more of an indication of a state of disrepair of the vehicle engine or an indication of an inappropriate or illegal modification of the vehicle engine; determining, by the processor-implemented instruction module, a deviation between the particular frequency of the sound data and the baseline frequency of the baseline engine sound model; identifying, by the processor-implemented instruction module, a beginning or ending of a trip using the vehicle based at least in part on the sound data captured by the audio sensor of the computing device, wherein the beginning of the trip causes collection of vehicle usage data including one or more of miles driven, a speed, a time of day, or a geographic location; calculating, by the processor-implemented instruction module, a risk of loss for the vehicle based on (i) the determined operating condition of the vehicle (ii) the deviation, (iii) the vehicle usage data, and (iv) the sound data used to identify the beginning or ending of the trip using the vehicle; determining, by the processor-implemented instruction module, an insurance premium for the vehicle based at least in part on the calculated risk of loss; and providing, by the processor-implemented instruction module, the determined insurance premium to a user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory computer-readable storage medium including computer-readable instructions to be executed on one or more processors of a system for providing vehicle insurance, the instructions when executed causing the one or more processors to:
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receive, by a processor-implemented instruction module, data associated with a vehicle captured by a sensor of a computing device, wherein the data includes sound data produced by the vehicle and captured by an audio sensor of the computing device, the sound data having a particular frequency; analyze, by the processor-implemented instruction module, the received data to determine an operating condition of the vehicle, wherein determining the operating condition of the vehicle includes comparing the particular frequency of the sound data captured by the audio sensor to a baseline frequency of a baseline engine sound model to determine one or more of an indication of a state of disrepair of the vehicle engine or an indication of an inappropriate or illegal modification of the vehicle engine; determine, by the processor-implemented instruction module, a deviation between the particular frequency of the sound data and the baseline frequency of the baseline engine sound model; identify, by the processor-implemented instruction module, a beginning or ending of a trip using the vehicle based at least in part on the sound data captured by the audio sensor of the computing device, wherein the beginning of the trip causes collection of vehicle usage data including one or more of miles driven, a speed, a time of day, or a geographic location; calculate, by the processor-implemented instruction module, a risk of loss for the vehicle based on (i) the determined operating condition of the vehicle (ii) the deviation, (iii) the vehicle usage data, and (iv) the sound data used to identify the beginning or ending of the trip using the vehicle; determine, by the processor-implemented instruction module, an insurance premium for the vehicle based at least in part on the calculated risk of loss; and provide, by the processor-implemented instruction module, the determined insurance premium to a user. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer system for providing vehicle insurance, the system comprising:
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a vehicle data repository; and an insurance server, including a memory having instructions for execution on one or more processors, wherein the instructions, when executed by the one or more processors, cause the insurance server to; retrieve, via a network connection, sound data produced by a vehicle, the sound data having a particular frequency; retrieve, from the vehicle data repository, via a network connection, stored baseline vehicle data, wherein the stored baseline vehicle data comprises a baseline engine sound model having a baseline frequency; compare, by the one or more processors executing one or more processor-implemented instruction modules, the particular frequency of the sound data produced by the vehicle with the baseline frequency of the baseline engine sound model to determine an operating condition of the vehicle including one or more of an indication of a state of disrepair of the vehicle engine or an indication of an inappropriate or illegal modification of the vehicle engine; determine, by the one or more processors executing one or more processor-implemented instruction modules, a deviation between the particular frequency of the sound data and the baseline frequency of the baseline engine sound model; identify, by the one or more processors executing one or more processor-implemented instruction modules, a beginning or ending of a trip using the vehicle based at least in part on the sound data produced by the vehicle, wherein the beginning of the trip causes collection of vehicle usage data including one or more of miles driven, a speed, a time of day, or a geographic location; calculate, by the one or more processors executing one or more processor-implemented instruction modules, a risk of loss for the vehicle based on (i) the determined operating condition of the vehicle (ii) the deviation, (iii) the vehicle usage data, and (iv) the sound data used to identify the beginning or ending of the trip using the vehicle; determine, by the one or more processors executing the one or more processor-implemented instruction modules, an insurance premium for the vehicle based at least in part on the calculated risk of loss; and provide, via a network connection, the determined insurance premium to a user. - View Dependent Claims (18, 19, 20)
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Specification