REAL TIME INSURANCE GENERATION
First Claim
1. A computer implemented system for real-time gathering insurance information, comprising:
- a collection component that gathers operation data from a vehicle, the operation data is gathered in real-time;
an identification component that obtains information from which an identity of an operator of the vehicle is established; and
an analysis component that determines an insurance rate based upon the operation data and operator identity.
4 Assignments
0 Petitions
Accused Products
Abstract
An on-board monitoring system in conjunction with a mobile device can be employed to gather real-time information regarding how a vehicle is being operated by the owner of the mobile device. The mobile device has information stored thereon that allows the user to be identified by the on-board monitoring system. The real-time information is forwarded to a remote insurance provider system that, based upon the gathered real-time information, determines an insurance rate. The determined insurance rate can be transmitted to the owner allowing them to see how their driving style is affecting their insurance rate and can adjust their driving style accordingly.
640 Citations
20 Claims
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1. A computer implemented system for real-time gathering insurance information, comprising:
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a collection component that gathers operation data from a vehicle, the operation data is gathered in real-time; an identification component that obtains information from which an identity of an operator of the vehicle is established; and an analysis component that determines an insurance rate based upon the operation data and operator identity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for gathering real-time data for determination of insurance rates, comprising:
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employing a processor executing computer executable instructions stored on a computer readable storage medium to implement the following acts; identifying a potential driver of a vehicle based upon identification information stored on a device associated with the driver; and gathering real-time data from the vehicle being driven by the driver. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A computer implemented system for determining insurance rates in real-time, comprising:
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means for identifying a driver from information stored on a device associated with the driver; and means for gathering real-time data regarding how the driver is driving a vehicle. - View Dependent Claims (17, 18, 19, 20)
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Specification