Methods to determine a vehicle insurance premium based on vehicle operation data collected via a mobile device

  • US 10,402,907 B2
  • Filed: 02/08/2013
  • Issued: 09/03/2019
  • Est. Priority Date: 06/29/2011
  • Status: Active Grant
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First Claim
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1. A method for identifying and displaying at least one notable driving event, the method comprising:

  • collecting, by a processor of a mobile device and via one or more accelerometers integrated in the mobile device, raw driving data corresponding to movements of a vehicle during a driving data collection session, the collected raw driving data comprising G-force data;

    time-stamping by the processor of the mobile device, the collected raw driving data comprising the G-force data during the driving data collection session;

    calculating, by the processor of the mobile device, a moving average of the G-force data at each time stamp based on the G-force data at time stamps within a period of time during the driving data collection session;

    determining, by the processor of the mobile device, a G-force percentile at each time stamp by comparing the calculated moving average of G-force data at each time stamp to a G-force percentile in a look-up table accessible by the mobile device;

    calculating, by the processor of the mobile device, jerk data at each time stamp during the driving data collection session as an absolute value of, a difference between the calculated moving average of G-force data at each time stamp and the calculated moving average of G-force data at a prior time stamp and the difference divided by an amount of time between the time stamps;

    calculating, by the processor of the mobile device, a moving average of jerk data at each time stamp based on the jerk data at time stamps within a period of time during the driving data collection session;

    determining, by the processor of the mobile device, a jerk percentile at each time stamp by comparing the calculated moving average of jerk data at each time stamp to a jerk percentile in a look-up table accessible by the mobile device;

    calculating, by the processor of the mobile device, a driving score based on an average of the G-force percentiles at time stamps during the driving data collection session and an average of the jerk percentiles at time stamps during the driving data collection session;

    identifying, by the processor of the mobile device, at least one notable driving event by comparing the G-force data and the jerk data at each time stamp to threshold values, wherein for each respective time stamp a notable driving event is identified when an absolute value of the G-force data is greater than a G-force threshold value, or the absolute value of the jerk data is greater than a jerk data threshold value;

    displaying, by the processor of the mobile device, the driving score on a display of the mobile device; and

    displaying, by the processor of the mobile device, the at least one notable driving event on the display of the mobile device.

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