Methods of theft prevention or mitigation
First Claim
1. A computer-implemented method of vehicle theft prevention or mitigation, the method comprising:
- collecting, by one or more processors of (i) a vehicle controller or (ii) one or more remote servers associated with an insurance provider, driver-related data over time, the driver-related data being associated with one or more authorized drivers of an insured vehicle, and the authorized drivers and the insured vehicle being covered by an insurance policy issued by the insurance provider;
building, by the one or more processors, and based upon the collected driver-related data, a database associated with the authorized drivers covered by the insurance policy;
collecting, by the one or more processors, current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle;
determining, by the one or more processors, a current driving behavior pattern indicating a pattern of behavior by the individual in controlling the insured vehicle based upon the collected driver-related data;
determining, by the one or more processors by comparing the current driving behavior pattern with one or more driving patterns in the database, that the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is not among the authorized drivers covered by the insurance policy;
verifying, by the one or more processors and the current driver-related data, that the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is sitting in a driver seat of the insured vehicle by (i) identifying a signal from a mobile device associated with the individual, (ii) determining a location of the mobile device by triangulation using the signal, and (iii) determining the location of the mobile device is associated with the driver seat; and
causing, by the one or more processors and based upon determining that the individual is not among the authorized drivers and is sitting in the driver seat, one or both of (i) a disablement of an operation of the insured vehicle, and (ii) the individual to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle.
2 Assignments
0 Petitions
Accused Products
Abstract
In system and methods for theft prevention or mitigation, driver-related data associated with one or more authorized drivers of an insured vehicle may be collected over time. The authorized drivers and the insured vehicle may be covered by an insurance policy issued by an insurance provider. Based upon the collected driver-related data, a database associated with the authorized drivers may be built. Current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle may be collected. It may be determined, using both the database and the current driver-related data, that the individual is not among the authorized drivers. A disablement of an operation of the insured vehicle may be caused, and/or the individual may be caused to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle.
507 Citations
20 Claims
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1. A computer-implemented method of vehicle theft prevention or mitigation, the method comprising:
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collecting, by one or more processors of (i) a vehicle controller or (ii) one or more remote servers associated with an insurance provider, driver-related data over time, the driver-related data being associated with one or more authorized drivers of an insured vehicle, and the authorized drivers and the insured vehicle being covered by an insurance policy issued by the insurance provider; building, by the one or more processors, and based upon the collected driver-related data, a database associated with the authorized drivers covered by the insurance policy; collecting, by the one or more processors, current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle; determining, by the one or more processors, a current driving behavior pattern indicating a pattern of behavior by the individual in controlling the insured vehicle based upon the collected driver-related data; determining, by the one or more processors by comparing the current driving behavior pattern with one or more driving patterns in the database, that the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is not among the authorized drivers covered by the insurance policy; verifying, by the one or more processors and the current driver-related data, that the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is sitting in a driver seat of the insured vehicle by (i) identifying a signal from a mobile device associated with the individual, (ii) determining a location of the mobile device by triangulation using the signal, and (iii) determining the location of the mobile device is associated with the driver seat; and causing, by the one or more processors and based upon determining that the individual is not among the authorized drivers and is sitting in the driver seat, one or both of (i) a disablement of an operation of the insured vehicle, and (ii) the individual to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for vehicle theft prevention or mitigation, the system comprising:
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one or more processors; and one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to collect driver-related data over time, the driver-related data being associated with one or more authorized drivers of an insured vehicle, and the authorized drivers and the insured vehicle being covered by an insurance policy issued by an insurance provider, build, based upon the collected driver-related data, a database associated with the authorized drivers covered by the insurance policy, collect current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle, determine a current driving behavior pattern indicating a pattern of behavior by the individual in controlling the insured vehicle based upon the collected driver-related data, determine, by comparing the current driving behavior pattern with one or more driving patterns in the database, whether the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is among the authorized drivers covered by the insurance policy, verify that the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is sitting in a driver seat of the insured vehicle by (i) identifying a signal from a mobile device associated with the individual, (ii) determining a location of the mobile device by triangulation using the signal, and (iii) determining the location of the mobile device is associated with the driver seat; and when determining that the individual is not among the authorized drivers covered by the insurance policy and is sitting in the driver seat, cause one or both of (i) a disablement of an operation of the insured vehicle, and (ii) the individual to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A tangible, non-transitory computer-readable medium storing instructions for vehicle theft prevention or mitigation that, when executed by one or more processors of a computer system, cause the computer system to:
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collect driver-related data over time, the driver-related data being associated with one or more authorized drivers of an insured vehicle, and the authorized drivers and the insured vehicle being covered by an insurance policy issued by an insurance provider; build a database associated with the authorized drivers covered by the insurance policy based upon the collected driver-related data; collect current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle; determine a current driving behavior pattern indicating a pattern of behavior by the individual in controlling the insured vehicle based upon the collected driver-related data; determine, by comparing the current driving behavior pattern with one or more driving patterns in the database, that the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is not among the authorized drivers covered by the insurance policy; verify that the individual currently driving, attempting to start, or sitting in a seat of the insured vehicle is sitting in a driver seat of the insured vehicle by (i) identifying a signal from a mobile device associated with the individual, (ii) determining a location of the mobile device by triangulation using the signal, and (iii) determining the location of the mobile device is associated with the driver seat; and cause, based upon determining that the individual is not among the authorized drivers and is sitting in the driver seat, one or both of (i) a disablement of an operation of the insured vehicle, and (ii) the individual to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle. - View Dependent Claims (18, 19, 20)
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Specification