System for risk mitigation based on road geometry and weather factors
First Claim
1. A system comprising:
- a vehicle;
a satellite navigation system, wherein the satellite navigation system is located in the vehicle and is configured to detect locations of the vehicle associated with a route being traveled by the vehicle, the locations of the vehicle associated with the route being traveled by the vehicle comprising a first location and a second location;
a display screen, wherein the display screen is located in the vehicle;
a computer processor communicatively coupled to the satellite navigation system; and
a computer memory storing instructions that, when executed by the computer processor, cause the system to;
receive, from the satellite navigation system, information identifying a location of the vehicle;
calculate a safety risk score associated with a direction of travel along the route being traveled by the vehicle based on road feature information, the information identifying the location of the vehicle received from the satellite navigation system, a current direction of travel of the vehicle, a location of one or more road features associated with the road feature information along the route, and weather information identifying current weather conditions associated with the route being traveled by the vehicle; and
debit an account associated with a driver of the vehicle by an amount associated with the safety risk score associated with the direction of travel along the route being traveled by the vehicle, wherein debiting the account associated with the driver of the vehicle by the amount associated with the safety risk score comprises;
generating a notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle; and
displaying, on the display screen in the vehicle, the notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle.
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Accused Products
Abstract
A method is disclosed for mitigating the risks associated with driving by assigning risk values to road segments and using those risk values to select less risky travel routes. Various approaches to helping users mitigate risk are presented. A computing device is configured to generate a database of risk values. That device may receive accident information, geographic information, vehicle information, and other information from one or more data sources and calculate a risk value for the associated road segment. Subsequently, the computing device may provide the associated risk value to other devices. Furthermore, a personal navigation device may receive travel route information and use that information to retrieve risk values for the road segments in the travel route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy. This and other aspects relating to using geographically encoded information to promote and reward risk mitigation are disclosed.
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Citations
20 Claims
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1. A system comprising:
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a vehicle; a satellite navigation system, wherein the satellite navigation system is located in the vehicle and is configured to detect locations of the vehicle associated with a route being traveled by the vehicle, the locations of the vehicle associated with the route being traveled by the vehicle comprising a first location and a second location; a display screen, wherein the display screen is located in the vehicle; a computer processor communicatively coupled to the satellite navigation system; and a computer memory storing instructions that, when executed by the computer processor, cause the system to; receive, from the satellite navigation system, information identifying a location of the vehicle; calculate a safety risk score associated with a direction of travel along the route being traveled by the vehicle based on road feature information, the information identifying the location of the vehicle received from the satellite navigation system, a current direction of travel of the vehicle, a location of one or more road features associated with the road feature information along the route, and weather information identifying current weather conditions associated with the route being traveled by the vehicle; and debit an account associated with a driver of the vehicle by an amount associated with the safety risk score associated with the direction of travel along the route being traveled by the vehicle, wherein debiting the account associated with the driver of the vehicle by the amount associated with the safety risk score comprises; generating a notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle; and displaying, on the display screen in the vehicle, the notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method comprising:
at a system comprising a satellite navigation system, a display screen, a computer processor communicatively coupled to the satellite navigation system, and a computer memory storing instructions; receiving, by the computer processor, from the satellite navigation system, information identifying a location of a vehicle, wherein the satellite navigation system is located in the vehicle and is configured to detect locations of the vehicle associated with a route being traveled by the vehicle, the locations of the vehicle associated with the route being traveled by the vehicle comprising a first location and a second location, and wherein the display screen is located in the vehicle; calculating, by the computer processor, a safety risk score associated with a direction of travel along the route being traveled by the vehicle based on road feature information, the information identifying the location of the vehicle received from the satellite navigation system, a current direction of travel of the vehicle, a location of one or more road features associated with the road feature information along the route, and weather information identifying current weather conditions associated with the route being traveled by the vehicle; and debiting, by the computer processor, an account associated with a driver of the vehicle by an amount associated with the safety risk score associated with the direction of travel along the route being traveled by the vehicle, wherein debiting the account associated with the driver of the vehicle by the amount associated with the safety risk score comprises; generating a notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle; and displaying, on the display screen in the vehicle, the notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. One or more non-transitory computer-readable media storing instructions that, when executed by a computer processor of a system comprising a satellite navigation system, a display screen, and a computer memory, cause the computer processor to:
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receive, from the satellite navigation system, information identifying a location of a vehicle, wherein the satellite navigation system is located in the vehicle and is configured to detect locations of the vehicle associated with a route being traveled by the vehicle, the locations of the vehicle associated with the route being traveled by the vehicle comprising a first location and a second location, and wherein the display screen is located in the vehicle; calculate a safety risk score associated with a direction of travel along the route being traveled by the vehicle based on road feature information, the information identifying the location of the vehicle received from the satellite navigation system, a current direction of travel of the vehicle, a location of one or more road features associated with the road feature information along the route, and weather information identifying current weather conditions associated with the route being traveled by the vehicle; and debit an account associated with a driver of the vehicle by an amount associated with the safety risk score associated with the direction of travel along the route being traveled by the vehicle, wherein debiting the account associated with the driver of the vehicle by the amount associated with the safety risk score comprises; generating a notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle; and displaying, on the display screen in the vehicle, the notification indicating that the account associated with the driver of the vehicle is being charged for the amount associated with the safety risk score based on the route being traveled by the vehicle. - View Dependent Claims (20)
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Specification