System and method for assessing risk through a social network
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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Abstract
A method for assessing risk through a social network includes receiving user social network data, generating a risk map from the user social network data, and calculating a risk assessment based on the risk map and the user social network data.
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Citations
22 Claims
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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:
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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, and computing 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for calculating risk based on location sensors and social network data to improve location sensor-based determination of the risk, the method comprising:
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receiving user social network data at a web hosted service system from a set of users; collecting GPS data received at GPS sensors of mobile devices, each comprising a GPS sensor of the GPS sensors, a processor, a display, and a wireless communication transceiver, wherein the GPS data is indicative of driving habits of the set of users; 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, local driving pattern risk factor metrics based on the GPS data, wherein calculating comprises; extracting an average route length associated with each of the set of users from the GPS data, and computing a value of the local driving pattern risk factor metric associated with each of the set of users 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, network risk factor metrics using network risk factor weightings based on the user social network data, wherein calculating comprises; computing a value of a network risk factor weighting associated with each of the set of users, wherein the value is proportional to an interaction frequency between each of the set of users and each other user of the set of users; computing a value of a network risk factor metric associated with each of the set of users, wherein the value is proportional to a weighted sum over the set of users of a set of individual risk factor metrics associated with each of the set of users, wherein the set of individual risk factor metrics and the set of users defines a one to one correspondence, wherein the weighted sum is weighted by the value of the network risk factor weighting associated with each of the set of users; controlling the computer processor system of the web hosted service system to generate a risk map for all users of the set of users based on the local driving pattern risk factor metrics and the network risk factor metrics; calculating a risk assessment for each user of the set of users based on the risk map and the user social network data; and in response to a request for a driver risk assessment for a target user, controlling a query interface to remotely provide the driver risk assessment. - View Dependent Claims (21, 22)
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Specification