SYSTEM AND METHOD FOR GENERATING TELEMATICS-BASED CUSTOMER CLASSIFICATIONS
First Claim
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1. A computer system comprising:
- a communication module for receiving data files;
a data storage module in communication with the data communication module, the data storage module for storing and providing access to the data files received by the communication module, the data files stored in the data storage module including telematics data files and loss history data files, each of said data files including a match index, each match index indicating that a respective one of the data files pertains to a respective driver without indicating the respective driver'"'"'s identity;
a computer processor for executing programmed instructions and for analyzing the data files;
program memory, coupled to the computer processor, for storing program instruction steps for execution by the computer processor;
a data file matching component, coupled to the computer processor, for using the match indexes to match ones of the telematics data files each with a respective one of the loss history files;
a driver classification component, coupled to the computer processor, for generating driver classifications, each based on a respective pair of data files, the respective pair of data files including one of the telematics data files and a one of the loss history data files that has been matched to said one of the telematics data files by the data file matching component; and
an output device, coupled to the computer processor, for outputting the driver classifications generated by the driver classification component.
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Abstract
A method includes a computer which receives telematics data relating to a vehicle operated by a driver. The telematics data is associated with a match index. The match index indicates that the telematics data is pertinent to the driver without indicating the driver'"'"'s identity. The computer receives other data relating to the driver. The other data is associated with the match index. The computer uses the match index to associate the telematics data with the other data. The computer uses the associated telematics data and the other data to generate a driver classification for the driver.
286 Citations
27 Claims
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1. A computer system comprising:
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a communication module for receiving data files; a data storage module in communication with the data communication module, the data storage module for storing and providing access to the data files received by the communication module, the data files stored in the data storage module including telematics data files and loss history data files, each of said data files including a match index, each match index indicating that a respective one of the data files pertains to a respective driver without indicating the respective driver'"'"'s identity; a computer processor for executing programmed instructions and for analyzing the data files; program memory, coupled to the computer processor, for storing program instruction steps for execution by the computer processor; a data file matching component, coupled to the computer processor, for using the match indexes to match ones of the telematics data files each with a respective one of the loss history files; a driver classification component, coupled to the computer processor, for generating driver classifications, each based on a respective pair of data files, the respective pair of data files including one of the telematics data files and a one of the loss history data files that has been matched to said one of the telematics data files by the data file matching component; and an output device, coupled to the computer processor, for outputting the driver classifications generated by the driver classification component. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computerized method for generating a driver classification, the method comprising:
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receiving, by a computer, telematics data relating to a vehicle operated by a driver, the telematics data associated with a match index, the match index indicative that the telematics data is pertinent to the driver without indicating the driver'"'"'s identity; receiving, by the computer, second data relating to the driver, the second data associated with the match index; using the match index by the computer to associate the telematics data with the second data; and using the associated telematics data and second data by the computer to generate the driver classification for the driver. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer system for generating a driver classification, the computer system comprising:
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a processor; and a memory in communication with the processor and storing program instructions, the processor operative with the program instructions to; receive telematics data relating to a vehicle operated by a driver, the telematics data associated with a match index, the match index indicative that the telematics data is pertinent to the driver without indicating the driver'"'"'s identity; receive second data relating to the driver, the second data associated with the match index; use the match index to associate the telematics data with the second data; and use the associated telematics data and second data to generate the driver classification for the driver. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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25. A computerized method of matching prospects with offers, the method comprising:
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receiving, by a computer, a prospect classification that was generated based on a data set, the data set formed by associating telematics data for the prospect with second data for the prospect, the associating having been performed using a match index which indicates that the telematics data and the second data are pertinent to the prospect without indicating the prospect'"'"'s identity; selecting, by the computer, an offer for the prospect, without the prospect being identified by the prospect'"'"'s name; dispatching the selected offer to the prospect by the computer, the dispatching including one of;
(a) sending the offer to the prospect, and (b) instructing another computer to send the offer to the prospect. - View Dependent Claims (26, 27)
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Specification