Methods using a mobile device to provide data for insurance premiums to a remote computer

  • US 10,424,022 B2
  • Filed: 01/24/2017
  • Issued: 09/24/2019
  • Est. Priority Date: 06/29/2011
  • Status: Active Grant
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First Claim
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1. A method comprising:

  • collecting, by a mobile device via execution of an application stored locally in the mobile device, vehicle operation data while a vehicle is in operation, the collecting step comprising automatically collecting the vehicle operation data via one or more sensors integrated in the mobile device during a data collection session, the collecting step including;

    automatically beginning to collect the vehicle operation data in response to detecting a first predefined triggering event regarding operation of the vehicle; and

    stopping collection of the vehicle operation data in response to detecting a second predefined triggering event regarding operation of the vehicle, wherein the step of the mobile device collecting vehicle operation data comprises the mobile device collecting vehicle operation data periodically during vehicle operation;

    collecting, by the mobile device via execution of the application stored locally in the mobile device and via the one or more sensors integrated in the mobile device, geographic location information during the data collection session, the collected geographic location information dynamically identifies a location of the vehicle;

    scoring, by the mobile device, the driving behavior of a driver via execution of the application stored locally in the mobile device by;

    comparing the vehicle operation data collected by the one or more integrated sensors with one or more predefined threshold values;

    identifying one or more notable driving events based on the comparison of the collected vehicle operation data with the one or more predefined threshold values;

    determining a geographic location of each identified notable driving event based on the collected geographic location information;

    calculating one or more driving scores for the driver based at least on the collected vehicle operation data and the one or more identified notable driving events;

    displaying, by the mobile device via execution of the application stored locally in the mobile device and via a display device integrated in the mobile device, the one or more driving scores; and

    displaying, by the mobile device via execution of the application stored locally in the mobile device and via the display device integrated in the mobile device, a map indicating the geographic location determined for each identified notable driving event.

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