Methods of providing insurance savings based upon telematics and driving behavior identification

  • US 10,832,327 B1
  • Filed: 07/14/2015
  • Issued: 11/10/2020
  • Est. Priority Date: 07/21/2014
  • Status: Active Grant
  • ×
    • Pin Icon | RPX Insight
    • Pin
First Claim
Patent Images

1. A computer-implemented method for using telematics data, comprising:

  • collecting, at one or more processors, telematics data associated with driving behavior of an insured driver and biometric data associated with the insured driver from one or more sensors;

    determining, by the one or more processors, one or more driving risk scores associated with the insured driver based upon the collected telematics data, wherein each driving risk score indicates a level of risk of a vehicle accident based upon driving behavior indicated by the collected telematics data;

    collecting, at the one or more processors, vehicle maintenance data associated with an insured vehicle associated with the insured driver from either or both of a mobile device of the insured driver or an onboard computer of the insured vehicle;

    generating, by the one or more processors, a risk aversion score associated with the insured driver based upon the biometric data associated with the insured driver and risk aversion data associated with a plurality of types of behaviors of the insured driver, wherein the risk aversion data includes the one or more driving risk scores associated with a driving behavior type and the vehicle maintenance data, and wherein the risk aversion score indicates risk preferences of the insured driver;

    determining, by the one or more processors, one or more of physical, mental, or emotional conditions of the insured driver based upon the biometric data and the determined risk aversion score; and

    in response to determining, by the one or more processors, that the determined one or more of the physical, mental, or emotional conditions indicate a high risk of accident for the insured driver,transmitting, by the one or more processors, a warning notification to the mobile device or the onboard computer in real-time, andlimiting, by the one or more processors associated with the mobile device or the onboard computer of the insured vehicle, functionality of the mobile device or at least one component of the insured vehicle for the insured driver.

View all claims
  • 2 Assignments