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Systems and methods for surface segment data

  • US 10,255,638 B2
  • Filed: 11/30/2015
  • Issued: 04/09/2019
  • Est. Priority Date: 12/21/2012
  • Status: Active Grant
First Claim
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1. A system, comprising:

  • a specially-programmed electronic controller device;

    an electronic telematics device coupled to a vehicle and in communication with the specially-programmed electronic controller device via a wireless electronic network; and

    a non-transitory electronic memory device in communication with the specially-programmed electronic controller device, the non-transitory electronic memory device storing (i) risk parameter data in relation to surface segment types, and (ii) specially- programmed instructions that when executed by the specially-programmed electronic controller device result in;

    determining information descriptive of an amount of time the vehicle spends on a first type of surface segment, comprising;

    determining, based on data received from a third-party device and via the wireless electronic network, credit card purchase transaction location information descriptive of the vehicle being located on a surface segment of the first type; and

    determining, based on data received from a third-party device and via the wireless electronic network, credit card purchase transaction timing information descriptive of the amount of time the vehicle spends on the surface segment of the first type;

    determining, based on data received from the electronic telematics device and via the wireless electronic network, information descriptive of an amount of time the vehicle spends on a second type of surface segment, the information being recorded by the electronic telematics device based on a measuring, by the electronic telematics device, of a physical roadway parameter that is indicative of the second type of surface segment;

    determining, by accessing the risk parameter data stored in the non-transitory electronic memory device, a first risk metric of the first type of surface segment;

    determining, by accessing the risk parameter data stored in the non-transitory electronic memory device, a second risk metric of the second type of surface segment;

    determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;

    determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure;

    and determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle.

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