System and method for identifying primary and secondary movement using spectral domain analysis

• US 10,832,346 B1
• Filed: 04/09/2019
• Issued: 11/10/2020
• Est. Priority Date: 05/15/2014
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Menon, Sunish Shreenarayan, Dosher, David James, Christensen, Scott Thomas
• Primary Examiner(s): Ebersman, Bruce I
• Assistant Examiner(s): Anderson, John A
• Application Number:
  US16/379,481
• Time in Patent Office: 581 Days
• Field of Search: 705 4, 705 35- 44
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/085 using electronic data carriers

Abstract

A computer implemented method for determining a primary movement window from a vehicle trip is presented. A client computing device may be placed in a vehicle, be free to move with respect to movement of the vehicle, and include an accelerometer. A computer network may receive a plurality of telematics data originating from the client computing device. One or more processors may summarize the plurality of telematics data at a specified sample rate, convert the plurality of telematics data from a time domain to a spectral domain, select one or more data points from the converted telematics data, and determine that a total spectral power of the selected data points meets a threshold value. The one or more processors may identify a first primary movement window including the selected data points if the total spectral power of the selected data points does not meet the threshold value.

Claims

1. A computer implemented method for determining a primary movement window from a vehicle trip, the method comprising:

placing a client computing device in a vehicle, wherein the client computing device is free to move with respect to movement of the vehicle;

receiving, via a computer network, a plurality of telematics data originating from the client computing device placed in the vehicle, wherein the client computing device includes an accelerometer;

summarizing, by one or more processors, the plurality of telematics data at a specified sample rate;

splitting, by the one or more processors, the telematics data into one or more temporal segments;

shifting, by the one or more processors, down one or more temporal segments by at least one data point;

converting, by one or more processors, the plurality of telematics data from a time domain to a spectral domain;

selecting, by the one or more processors, one or more data points from the converted telematics data;

determining, by the one or more processors, that a total spectral power of the selected data points meets a threshold value; and

identifying, by the one or more processors, a first primary movement window including the selected data points if the total spectral power of the selected data points does not meet the threshold value, wherein the identified first primary movement window is indicative of the accelerometer being static with respect to the vehicle and a total spectral power of the selected data points that meets the threshold value is indicative of the accelerometer moving with respect to the vehicle while in the vehicle.

2. The method of claim 1, further comprising:

identifying, by the one or more processors, a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data.

3. The method of claim 2, further comprising:

comparing, by the one or more processors, the diagonal and the off-diagonal data points with a threshold value; and

determining, by the one or more processors, whether at least one of the diagonal or the off-diagonal data points is above the threshold value.

4. The method of claim 3 further comprising:

determining, by the one or more processors, whether at least one of the diagonal or the off-diagonal data points are below the threshold value.

5. The method of claim 1 further comprising:

determining, by the one or more processors, a vehicle insurance risk using at least the first primary movement window.

6. A computer device for determining a primary movement window from a vehicle trip, placing a client computing device in a vehicle, wherein the computer device is placed in a vehicle and free to move with respect to movement of the vehicle, the computer device comprising:

one or more processors; and

one or more memories coupled to the one or more processors;

the one or more memories including non-transitory computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to;

receive, via a computer network, a plurality of telematics data originating from a client computing device, wherein the client computing device includes an accelerometer, is placed in a vehicle and free to move with respect to movement of the vehicle;

summarize the plurality of telematics data at a specified sample rate;

split the telematics data into one or more temporal segments;

shift down one or more temporal segments by at least one data point;

convert the plurality of telematics data from a time domain to a spectral domain;

select one or more data points from the converted telematics data;

determine that a total spectral power of the selected data points meet a threshold value; and

identify a first primary movement window including the selected data points if the total spectral power of the selected data points does not meet the threshold value,

wherein the identified first primary movement window has a total spectral power that does not meet a threshold spectral value, the primary movement window being indicative of the accelerometer being static with respect to the vehicle while in the vehicle and a total spectral power of the selected data points that meets the threshold value is indicative of the accelerometer moving with respect to the vehicle while in the vehicle.

7. The computer device of claim 6, further comprising non-transitory computer executable instructions to cause the one or more processors to:

identify a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data.

8. The computer device of claim 7, further comprising non-transitory computer executable instructions to cause the one or more processors to:

compare the diagonal and the off-diagonal data points with a threshold value; and

determine whether at least one of the diagonal or the off-diagonal data points is above the threshold value.

9. The computer device of claim 8, further comprising non-transitory computer executable instructions to cause the one or more processors to:

compare the diagonal and the off-diagonal data points with a threshold value; and

determine whether at least one of the diagonal or the off-diagonal data points are below the threshold value.

10. The computer device of claim 6 further comprising non-transitory computer executable instructions to cause the one or more processors to:

determine an auto insurance risk using at least the primary movement window.

11. A computer readable storage medium comprising non-transitory computer readable instructions stored thereon for determining a primary movement window from a vehicle trip, the instructions when executed on one or more processors cause the one or more processors to;

receive, via a computer network, a plurality of telematics data originating from a client computing device, wherein the client computing device is placed in a vehicle, and the client computing device is free to move with respect to movement of the vehicle, and wherein the client computing device includes an accelerometer;

summarize the plurality of telematics data at a specified sample rate;

split the telematics data into one or more temporal segments;

shift down one or more temporal segments by at least one data point;

convert the plurality of telematics data from a time domain to a spectral domain;

select one or more data points from the converted telematics data;

determine that a total spectral power of the selected data points meet a threshold value; and

identify a first primary movement window including the selected data points if the total spectral power of the selected data points does not meet the threshold value, wherein the identified first primary movement window has a total spectral power that does not meet a threshold spectral value, the primary movement window being indicative of the accelerometer being static with respect to the vehicle while in the vehicle and a total spectral power of the selected data points that meets the threshold value is indicative of the accelerometer moving with respect to the vehicle while in the vehicle.

12. The computer readable storage medium of claim 11,

comprising further instructions stored thereon that cause the one or more processors to:

identify a diagonal and an off-diagonal data point of a total spectral power matrix from the telematics data.

13. The computer readable storage medium of claim 12, comprising further instructions stored thereon that cause the one or more processors to:

compare the diagonal and the off-diagonal data points with a threshold value; and

determine, whether at least one of the diagonal or off-diagonal data points is above the threshold value.

14. The computer readable storage medium of claim 13, comprising further instructions stored thereon that cause the one or more processors to:

compare the three unique off-diagonal or diagonal data points with a threshold value; and

determine whether all of the three unique off-diagonal or diagonal data points is above the threshold value.

15. The computer readable storage medium of claim 11, comprising further instructions stored thereon that cause the one or more processors to:

determine, an auto insurance risk using at least the primary movement window.