Determining acceptable driving behavior based on vehicle specific characteristics

• US 10,668,930 B1
• Filed: 02/04/2019
• Issued: 06/02/2020
• Est. Priority Date: 02/04/2019
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Harvey, Brian N., Brannan, Joseph Robert, Wilson, J. Lynn, Riley, Sr., Matthew Eric, Gross, Ryan
• Primary Examiner(s): McNally, Kerri L
• Assistant Examiner(s): Tran, Thang D
• Application Number:
  US16/267,047
• Time in Patent Office: 484 Days
• Field of Search: 340576
• CPC Class Codes: B60W 40/09 Driving style or behaviour
• CPC Class Codes: G06Q 30/0645 Rental transactions; Leasing transactions
• CPC Class Codes: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C

Abstract

In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is also received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. One or more characteristics of the rented vehicle are also determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the one or more characteristics of the rented vehicle.

Claims

1. A computer-implemented method comprising:

receiving, at one or more processors, an indication that a driver has agreed to terms for renting a vehicle from an owner of the vehicle, wherein the terms include potential application of penalties or incentives to the driver based on driving behavior;

receiving, at the one or more processors, telematics data collected over a period of time, wherein the telematics data is indicative of operation of the rented vehicle by the driver during the period of time;

identifying, by the one or more processors analyzing the telematics data, one or more driving behaviors of the driver during the period of time;

identifying, by the one or more processors, one or more characteristics of the rented vehicle; and

causing, by the one or more processors, one or more penalties or incentives to be applied to the driver, based on the one or more driving behaviors and the one or more characteristics of the rented vehicle, wherein for each driving behavior of the one or more driving behaviors a separate penalty or incentive is determined.

2. The computer-implemented method of claim 1, wherein identifying the one or more characteristics of the rented vehicle includes determining the one or more characteristics of the rented vehicle based on the telematics data.

3. The computer-implemented method of claim 1, wherein identifying the one or more characteristics of the rented vehicle includes determining the one or more characteristics of the rented vehicle based on vehicle characteristic data received from a server.

4. The computer-implemented method of claim 1, wherein identifying the one or more driving behaviors of the driver during the period of time includes determining one or more values corresponding to the one or more driving behaviors.

5. The computer implemented method of claim 4, wherein causing one or more penalties or incentives to be applied to the driver includes comparing the one of more values corresponding to the one or more driving behaviors to one or more threshold values.

6. The computer-implemented method of claim 4, wherein each of the one or more values is associated with one or more of:

acceleration, speed, or lateral force.

7. The computer-implemented method of claim 1, further comprising causing, by the one or more processors, an electronic message to be transmitted to the owner, wherein the electronic message indicates that the one or more penalties or incentives have been applied.

8. The computer-implemented method of claim 1, further comprising causing, by the one or more processors, an electronic message to be transmitted to the driver, wherein the electronic message indicates that the one or more penalties or incentives have been applied.

9. The computer-implemented method of claim 8,

further comprising determining, by the one or more processors, a time when the rented vehicle is stopped;

and

causing, by the one or more processors, the electronic message to be transmitted to the driver during the time when the rented vehicle is stopped.

10. The computer-implemented method of claim 1, wherein the period of time is one of:

a duration of a trip of the rented vehicle or a duration of a rental period of the rented vehicle.

11. The computer-implemented method of claim 1, wherein at least one of the one or more driver behaviors is associated with one or more of:

turning behavior, braking behavior, or accelerating behavior.

12. The computer-implemented method of claim 1, wherein the vehicle characteristics comprise one or more of:

make of the rented vehicle, model of the rented vehicle, age of the rented vehicle, number of miles driven by the rented vehicle, or maintenance of the rented vehicle.

13. The computer-implemented method of claim 1, wherein at least one of the one or more characteristics of the rented vehicle is associated with:

make of the rented vehicle, model of the rented vehicle, age of the rented vehicle, number of miles driven by the rented vehicle, upkeep of the rented vehicle, or maintenance of the rented vehicle.

14. The computer implemented method of claim 1, further comprising:

determining, by the one or more processors and based on the one or more driving behaviors and the one or more characteristics of the rented vehicle, a driving score associated with the driver and corresponding to the period of time,

wherein causing the one or more penalties or incentives to be applied to the driver is based at least in part on the driving score.

15. A tangible, non-transitory computer-readable medium storing instructions that, when executing by one or more processors, cause one or more processors to:

receive an indication that a driver has agreed to terms for renting a vehicle from an owner of the vehicle, wherein the terms include potential application of penalties or incentives to the driver based on driving behavior;

receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of the rented vehicle by the driver during the period of time;

identify one or more driving behaviors of the driver during the period of time;

identify one or more characteristics of the rented vehicle; and

cause one or more penalties or incentives to be applied to the driver, based on the one or more driving behaviors and the one or more characteristics of the rented vehicle, wherein for each driving behavior of the one or more driving behaviors a separate penalty or incentive is determined.

16. The tangible, non-transitory computer-readable medium of claim 15, further storing instructions that cause the one or more processors to:

identify the one or more characteristics of the rented vehicle by determining the one or more characteristics of the rented vehicle based on the telematics data.

17. The tangible, non-transitory computer-readable medium of claim 15, further storing instructions that cause the one or more processors to:

identify the one or more characteristics of the rented vehicle by determining the one or more characteristics of the rented vehicle based on vehicle characteristic data received from a server.

18. The tangible non-transitory computer-readable medium of claim 15, further storing instructions that cause the one or more processors to:

identify the one or more driving behaviors of the driver during the period of time by determining one or more values corresponding to the one or more driving behaviors.

19. The tangible non-transitory computer-readable medium of claim 18, further storing instructions that cause the one or more processors to:

cause one or more penalties or incentives to be applied to the driver by comparing the one of more values corresponding to the one or more driving behaviors to one or more threshold values.

20. The tangible non-transitory computer-readable medium of claim 18, further storing instructions that cause the one or more processors to:

Cause an electronic message to be transmitted to the owner, wherein the electronic message indicates that the one or more penalties or incentives have been applied.

21. The tangible non-transitory computer-readable medium of claim 18, further storing instructions that cause the one or more processors to:

cause an electronic message to be transmitted to the driver, wherein the electronic message indicates that the one or more penalties or incentives have been applied.