System and method for determining driver signatures

• US 10,134,091 B2
• Filed: 12/31/2013
• Issued: 11/20/2018
• Est. Priority Date: 12/31/2013
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Adams, Isaac D., Fernandes, Steven J., Natrillo, Marc J., Olson, Paul Brendan, Prakash, Pankaj
• Primary Examiner(s): Tran, Hai
• Application Number:
  US14/145,142
• Publication Number:
  US 20150187013A1
• Time in Patent Office: 1,785 Days
• Field of Search: 705 4
• CPC Class Codes: G06Q 30/0283 Price estimation or determination
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.

Claims

1. A system for monitoring vehicle usage parameters and using those parameters to access a driver signature, the system comprising:

a computer memory configured to store biographical information associated with at least one driver;

a processor configured to receive information associated with telematics data, wherein the telematics data is associated with at least one of the vehicle(s), the telematics data providing information concerning use of the at least one vehicle(s);

the processor further configured to access a preconfigured expected information from the stored biographical information associated with at least one driver and any previously received information associated with the telematics data;

the processor further configured to determine discrete segments of use for the at least one vehicle(s) based on at least a portion of the received information associated with the telematics data, and to determine a driver signature associated with each of the discrete segments of use using a multivariate analysis based on at least a portion of the received information associated with the telematics data and comparing the at least a portion of the received information associated with the telematics data with the preconfigured expected information, wherein the preconfigured expected information includes at least one biometric reading or at least one implicit identification factor;

the processor further configured to structure the telematics data of each of the discrete segments based on the driver signature;

the processor further configured to generate a driver risk assessment for the driver based on the determined driver signature and adjust the driver signature relativity automatically based on the signature; and

the processor communicating with a user device the driver signature and providing feedback to the user associated with driver signature to improve driving,

wherein the driver is determined after the driver signature relativity is adjusted using the driver signature for subsequent discrete segments of use.

2. The system of claim 1, wherein the driver risk assessment accounts for a seasonality factor.

3. The system of claim 1, wherein the processor is further configured to determine a driver associated with each discrete segment of use based at least in part on the driver signature.

4. The system of claim 3, wherein the processor is further configured to determine a driver associated with the discrete segments, based on implicit driver identification factors.

5. The system of claim 1, wherein the driver signature comprises braking patterns.

6. The system of claim 1, wherein the driver signature comprises route selection patterns.

7. The system of claim 1, wherein the risk assessment comprises a risk profile for the at least one vehicle.

8. A computer implemented method for monitoring vehicle usage parameters and using those parameters to determine a driver signature, the method comprising:

storing, by a computer memory, biographical information associated with at least one driver;

receiving, by a processor, information associated with telematics data, wherein the telematics data is associated with at least one of the vehicle(s), the telematics data providing information concerning use of the at least one vehicle(s);

accessing from a database a preconfigured expected information from the stored biographical information associated with at least one driver and any previously received information associated with the telematics data;

determining, by the processor, discrete segments of use for at least one of the vehicle(s) based on at least a portion of the received information associated with the telematics data, and to determine a driver signature associated with each of the discrete segments of use using a multivariate analysis based on at least a portion of the received information associated with the telematics data and comparing the at least a portion of the received information associated with the telematics data with the preconfigured expected information, wherein the preconfigured expected information includes at least one biometric reading or at least one implicit identification factor;

generating, by the processor, a driver risk assessment for the driver of the determined driver signature and automatically adjust the driver signature relativity based on the signature; and

communicating with a user device the driver signature and providing feedback to the user associated with driver signature to improve driving,

wherein the driver is determined after the driver signature relativity is adjusted using the driver signature for subsequent discrete segments of use.

9. The method of claim 8, wherein the risk assessment accounts for a seasonality factor.

10. The method of claim 8, further comprising:

determining, by the processor, a driver associated with each discrete segment of use based at least in part on the driver signature.

11. The method of claim 10, further comprising determining, by the processor, a driver associated with the discrete segments, based on implicit driver identification factors.

12. The method of claim 10, further comprising determining, by the processor, a percentage of time each of the at least one vehicle(s) are used by the determined driver.

13. The method of claim 8, wherein the patterns of driver signature comprises braking patterns.

14. The method of claim 8, wherein the patterns of driver signature comprises route selection patterns.

15. A system for monitoring vehicle usage parameters and using those parameters to determine a driver signature for an account that covers at least one vehicle and at least one autonomous driver, the system comprising:

a computer memory configured to store biographical information associated with at least one driver;

a processor configured to receive information associated with telematics data, wherein the telematics data is associated with at least one of the vehicle(s), the telematics data providing information concerning use of the at least one vehicle(s);

the processor further configured to access a preconfigured expected information from the stored biographical information associated with at least one driver and any previously received information associated with the telematics data;

the processor further configured to determine discrete segments of use for the at least one vehicle(s) based on at least a portion of the received information associated with the telematics data, and to determine a driver signature associated with each of the discrete segments of use using a multivariate analysis based on at least a portion of the received information associated with the telematics data and comparing the at least a portion of the received information associated with the telematics data with the preconfigured expected information, wherein the preconfigured expected information includes at least one biometric reading or at least one implicit identification factor;

the processor configured to determine which of the discrete segments are driven by the autonomous driver and which segments are driven by a human driver;

the processor further configured to generate a driver risk assessment for the driver of the determined driver signature and adjust the driver signature relativity automatically based on the signature; and

the processor communicating with a user device the driver signature and providing feedback to the user associated with driver signature to improve driving,

wherein the driver is determined after the driver signature relativity is adjusted using the driver signature for subsequent discrete segments of use.

16. The system of claim 15, wherein the user transmission device is configured to output an electronic communication.

17. The system of claim 15, wherein the autonomous driver comprises a control system associated with the vehicle.