Systems and methods using a mobile device to collect data for insurance premiums

• US 9,865,018 B2
• Filed: 01/05/2015
• Issued: 01/09/2018
• Est. Priority Date: 06/29/2011
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Bowne, Benjamin F., Peng, Jufeng James, Baker, Nicholas R., Marzinzik, Duane Lee, Riley, Sr., Matthew Eric, Christopulos, Nick U., Fields, Brian Mark, Wilson, J Lynn, Wilkerson, Bryan T., Thurber, David W.
• Primary Examiner(s): HAMILTON, SARA CHANDLER
• Application Number:
  US14/589,564
• Publication Number:
  US 20150127390A1
• Time in Patent Office: 1,100 Days
• Field of Search: 705 4
• CPC Class Codes: B60W 40/09 Driving style or behaviour
• CPC Class Codes: G01C 21/3676 Overview of the route on the road map
• CPC Class Codes: G01C 21/3697 Output of additional, non-guidance related information, e.g. low fuel level G01C21/3679 takes precedence
• CPC Class Codes: G01S 19/13 Receivers
• CPC Class Codes: G06Q 10/0639 Performance analysis of employees; Performance analysis of enterprise or organisation operations
• CPC Class Codes: G06Q 10/0833 Tracking
• CPC Class Codes: G06Q 30/0283 Price estimation or determination
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/08 Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
• CPC Class Codes: G07C 5/0858 wherein the data carrier is removable
• CPC Class Codes: H04L 67/12 specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04W 4/026 using orientation information, e.g. compass
• CPC Class Codes: H04W 4/40 for vehicles, e.g. vehicle-to-pedestrians [V2P]

Abstract

A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

Claims

1. A method for collecting and processing driving data by a mobile device of a user, the method comprising:

collecting, with the mobile device located inside a vehicle, by a processor of the mobile device, sensor data from one or more sensors integrated in the mobile device;

determining, by the processor of the mobile device, an orientation of the mobile device relative to the vehicle based at least on the collected sensor data;

determining, by the processor of the mobile device, that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device;

in response to determining that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device, displaying an instruction or notification to the user, via a display device of the mobile device, for adjusting the orientation of the mobile device relative to the vehicle;

determining, by the processor of the mobile device, that an adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

in response to determining that the adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device; and

with the collection of driving data enabled by the processor of the mobile device, collecting, by the mobile device, driving data during a driving session by;

collecting sensor data from the one or more sensors integrated in the mobile device;

determining driving data regarding movements of the vehicle based at least on the collected sensor data;

monitoring, by the processor of the mobile device, the orientation of the mobile device relative to the vehicle, wherein when a change in the orientation relative to the vehicle is detected;

automatically compensating the collected sensor data for the changed orientation of the mobile device;

continue collecting sensor data from the one or more sensors integrated in the mobile device; and

continue determining driving data regarding movements of the vehicle based at least on the collected sensor data; and

processing the collected driving data for determining an insurance premium or discount based at least on the collected driving data.

2. The method of claim 1, wherein processing the collected driving data for determining an insurance premium or discount based at least on the collected driving data comprises at least one of:

analyzing, by the processor of the mobile device, the collected driving data to determine an insurance premium or discount based at least on the collected driving data;

wirelessly transmitting, by the mobile device, the collected driving data to a remote computer for calculating an insurance premium or discount based at least on the collected driving data; and

analyzing, by the processor of the mobile device, the collected driving data to calculate driving metrics based at least on the collected driving data, and wirelessly transmitting, by the mobile device, the calculated driving metrics to a remote computer for calculating an insurance premium based on the transmitted driving metrics.

3. The method of claim 2, wherein determining an insurance premium or discount based at least on the collected driving data comprises identifying driving data that indicates higher property or casualty insurance risk.

4. The method of claim 1, further comprising, in response to determining that the adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device, displaying a notification to the user, via the display device of the mobile device, indicating that the adjusted orientation of the mobile device is suitable for the collection of driving data by the mobile device or that collection of driving data by the mobile device is enabled.

5. The method of claim 1, wherein said mobile device is a device selected from smartphone, cell phone, mobile telephone, personal digital assistant (PDA), laptop computer, and tablet-style computer.

6. The method of claim 1, wherein collecting driving data comprises determining a characteristic of the mobile device selected from distance traveled, location, time, and g-force dynamics based on the collected sensor data.

7. The method of claim 1, further comprising:

loading a set of instructions onto a tangible readable storage medium of the mobile device, wherein the instructions, when executed by a processor of the mobile device, perform the following steps;

collecting driving data via the mobile device during the driving session; and

transmitting the collected driving data from the mobile device to a remote processing computer.

8. The method of claim 1, further comprising, after automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device, automatically beginning to collect driving data in response to a triggering event selected from vehicle engine start, threshold vehicle engine RPM, and movement of the vehicle.

9. The method of claim 1, further comprising automatically stopping the collection of driving data in response to a triggering event selected from vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility.

10. A method for collecting and processing driving data by a mobile device of a user, the method comprising:

collecting, with the mobile device located inside a vehicle, by a processor of the mobile device, sensor data from one or more sensors integrated in the mobile device;

determining, by the processor of the mobile device, an orientation of the mobile device relative to the vehicle based at least on the collected sensor data;

determining, by the processor of the mobile device, whether or not the determined orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

in response to determining that the determined orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device; and

with the collection of driving data enabled by the processor of the mobile device, collecting, by the mobile device, driving data during a driving session by;

collecting sensor data from the one or more sensors integrated in the mobile device;

determining driving data regarding movements of the vehicle based at least on the collected sensor data;

monitoring, by the processor of the mobile device, the orientation of the mobile device relative to the vehicle, wherein when a change in the orientation relative to the vehicle is detected;

automatically compensating the collected sensor data for the changed orientation of the mobile device;

continue collecting sensor data from the one or more sensors integrated in the mobile device; and

continue determining driving data regarding movements of the vehicle based at least on the collected sensor data; and

processing the collected driving data for determining an insurance premium or discount based at least on the collected driving data.

11. The method of claim 10, wherein processing the collected driving data for determining an insurance premium or discount based at least on the collected driving data comprises at least one of:

analyzing, by the processor of the mobile device, the collected driving data to determine an insurance premium or discount based at least on the collected driving data;

wirelessly transmitting, by the mobile device, the collected driving data to a remote computer for calculating an insurance premium or discount based at least on the collected driving data; and

analyzing, by the processor of the mobile device, the collected driving data to calculate driving metrics based at least on the collected driving data, and wirelessly transmitting, by the mobile device, the calculated driving metrics to a remote computer for calculating an insurance premium based on the transmitted driving metrics.

12. The method of claim 10, wherein said mobile device is a device selected from smartphone, cell phone, mobile telephone, personal digital assistant (PDA), laptop computer, and tablet-style computer.

13. The method of claim 10, wherein collecting driving data comprises determining a characteristic of the mobile device selected from distance traveled, location, time, and g-force dynamics based on the collected sensor data.

14. The method of claim 10, further comprising, after automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device, automatically beginning to collect driving data in response to a triggering event selected from vehicle engine start, threshold vehicle engine RPM, and movement of the vehicle.

15. The method of claim 10, further comprising automatically stopping the collection of driving data in response to a triggering event selected from vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility.

16. A handheld mobile device configured to collect and process vehicle operation data, the handheld mobile device comprising:

one or more sensors integrated in the mobile device, the one or more sensors configured to collect sensor data while the mobile device is located inside a vehicle;

a processor;

memory;

a driving analysis application stored in the memory and executable by the processor to;

determine an orientation of the mobile device relative to the vehicle based at least on the collected sensor data;

determine whether or not the determined orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

in response to determining that the determined orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

automatically enable the collection of driving data by the mobile device; and

with the collection of driving data enabled, collect driving data during a driving session by;

collecting sensor data from the one or more sensors integrated in the mobile device;

determining driving data regarding movements of the vehicle based at least on the collected sensor data;

monitoring, by the processor of the mobile device, the orientation of the mobile device relative to the vehicle, wherein when a change in the orientation relative to the vehicle is detected;

automatically compensating the collected sensor data for the changed orientation of the mobile device;

continue collecting sensor data from the one or more sensors integrated in the mobile device; and

continue determining driving data regarding movements of the vehicle based at least on the collected sensor data; and

process the collected driving data for determining an insurance premium or discount based at least on the collected driving data.

17. The mobile device of claim 16, wherein processing the collected driving data for determining an insurance premium or discount based at least on the collected driving data comprises at least one of:

analyzing, by the processor of the mobile device, the collected driving data to determine an insurance premium or discount based at least on the collected driving data;

wirelessly transmitting, via a wireless transmitter of the mobile device, the collected driving data to a remote computer for calculating an insurance premium or discount based at least on the collected driving data; and

analyzing, by the processor of the mobile device, the collected driving data to calculate driving metrics based at least on the collected driving data, and wirelessly transmitting, via the wireless transmitter of the mobile device, the calculated driving metrics to a remote computer for calculating an insurance premium based on the transmitted driving metrics.