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System and method for assessing risk through a social network

  • US 9,996,811 B2
  • Filed: 12/10/2014
  • Issued: 06/12/2018
  • Est. Priority Date: 12/10/2013
  • Status: Active Grant
First Claim
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1. A method for calculating driver risk based on a GPS sensor and social network data to improve location sensor-based determination of the driver risk associated with a motor vehicle, the method comprising:

  • connecting to an account, associated with a user, on a social networking platform through an API;

    receiving user social network data at a web hosted service system from the social networking platform, comprising a first list of entities connected to the user through the social networking platform;

    collecting GPS data received at the GPS sensor of a mobile device comprising the GPS sensor, a processor, a display, and a wireless communication transceiver, wherein the GPS data is indicative of driving habits of the user;

    wirelessly receiving the GPS data at the web hosted service system from the mobile device, where the web hosted service system comprises a computer processor system;

    calculating, by the computer processor system of the web hosted service system, a local driving pattern risk factor metric based on the GPS data, wherein calculating comprises;

    extracting an average route length from the GPS data, andcomputing a value of the local driving pattern risk factor metric based on the average route length, wherein the value is positively correlated with the average route length;

    calculating, by the computer processor system of the web hosted service system, a network risk factor metric using a set of network risk factor weightings based on the user social network data, wherein calculating comprises;

    computing a value of each of the set of network risk factor weightings, wherein the set of network risk factor weightings and the list of entities defines a one to one correspondence between the value and an entity of the list of entities, wherein the value is proportional to an interaction frequency between the user and the entity;

    computing a total value of the network risk factor metric, wherein the total value is proportional to a weighted sum over the list of entities of a set of individual risk factor metrics associated with the list of entities, wherein the set of individual risk factor metrics and the list of entities defines a one to one correspondence, wherein each summand of the weighted sum is weighted by the value of each of the set of network risk factor weightings;

    controlling the computer processor system of the web hosted service system to generate a driver risk map based on the local driving pattern risk factor metric and the network risk factor metric;

    using the driver risk map to calculate a driver risk assessment at the computer processor system of the web hosted service system, thereby improving quality of the driver risk assessment through using a combination of the local driving pattern risk metric and the network risk factor metric; and

    in response to calculating the driver risk assessment, controlling a query interface to remotely provide the driver risk assessment.

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