Systems and methods using a mobile device to collect data for insurance premiums
First Claim
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.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
168 Citations
18 Claims
-
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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A handheld mobile device configured to collect and process vehicle operation data, the handheld mobile device comprising:
-
a processor; a non-transitory storage medium; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the handheld mobile device to; collect, by the handheld mobile device via one or more integrated sensors included within the handheld mobile device during a driving session, vehicle operation data; collect, 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; collect, 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; monitor, 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 or devices 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 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, 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 calculate one or more notable driving events from the automatically adjusted vehicle operation data. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
-
Specification