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

  • US 10,504,188 B2
  • Filed: 01/24/2017
  • Issued: 12/10/2019
  • Est. Priority Date: 06/29/2011
  • Status: Active Grant
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First Claim
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1. A method for collecting and processing driving data by a mobile device of a user, the method comprising:

  • with the mobile device located inside a vehicle, collecting sensor data for determining an orientation of the mobile device relative to the vehicle, by a processor of the mobile device, from one or more sensors integrated in the mobile device;

    determining, by the processor of the mobile device, an orientation of the mobile device relative to the vehicle based at least on the collected sensor data;

    determining, by the processor of the mobile device, that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device;

    in response to determining that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device, displaying an instruction or notification to the user, via a display device of the mobile device, for adjusting the orientation of the mobile device relative to the vehicle;

    determining, by the processor of the mobile device, that an adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

    in response to determining that the adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

    automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device; and

    with the collection of driving data enabled by the processor of the mobile device, collecting, by the mobile device, driving data during a driving session by;

    collecting sensor data for driving data from the one or more sensors integrated in the mobile device;

    determining driving data regarding movements of the vehicle based at least on the collected sensor data, wherein determining driving data regarding movements of the vehicle comprises;

    detecting a change in the orientation of the mobile device relative to the vehicle; and

    correlating the change in the orientation of the mobile device relative to the vehicle as the driving data is determined; and

    processing the determined driving data regarding movements of the vehicle comprises determining an insurance premium or discount based at least on the determined driving data regarding movements of the vehicle.

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