Systems and methods using a mobile device to collect data for insurance premiums

  • US 10,304,139 B2
  • Filed: 02/25/2015
  • Issued: 05/28/2019
  • Est. Priority Date: 06/29/2011
  • Status: Active Grant
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First Claim
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1. A computer-implemented method for collecting and processing vehicle operation data by a handheld mobile device of a user, the method comprising:

  • collecting, by the handheld mobile device via one or more integrated sensors included within the handheld mobile device during a driving session, vehicle operation data;

    collecting, by the handheld mobile device via the one or more integrated sensors included within the handheld mobile device during the driving session, Global Positioning System (GPS) data for the handheld mobile device;

    collecting, by the handheld mobile device from one or more sensors or devices external to the handheld mobile device and during the driving session, Global Positioning System (GPS) data for a vehicle;

    monitoring, by the handheld mobile device, changes in an orientation of the handheld mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected by the handheld mobile device via the one or more integrated sensors included within the handheld mobile device by;

    comparing, by the handheld mobile device, the GPS data for the handheld mobile device and the GPS data for the vehicle;

    based on the comparison of the GPS data for the handheld mobile device and the GPS data for the vehicle, automatically determining, by the handheld mobile device, changes in the orientation of the handheld mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected;

    automatically adjusting, by the handheld mobile device and via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the handheld mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; and

    calculating, by the handheld mobile device, one or more notable driving events from the automatically adjusted vehicle operation data.

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