SYSTEM AND METHOD FOR USE OF CARBON EMISSIONS IN CHARACTERIZING DRIVER PERFORMANCE

• US 20140180726A1
• Filed: 04/10/2013
• Published: 06/26/2014
• Est. Priority Date: 12/20/2012
• Status: Active Grant

• Current Assignee: Scope Technologies Holdings Limited
• Original Assignee: Scope Technologies Holdings Limited
• Inventors: Lavie, Samuel, Van den Bergh, Johann, Fuchs, Gil, Jacobs, Friedl
• Granted Patent: US 10,657,598 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system and method for use of carbon emissions in characterizing driver performance and using such characterization to determine a profile/score associated with a particular insured. The profile/score can then be used to determine an insurance premium for the insured. In accordance with an embodiment, a driver can use a portable device equipped with a data collection and assessment environment, including one or more data collection devices that can be used to capture data and information or otherwise measure the carbon emissions associated with a vehicle. A framework (system) can receive information about the driver'"'"'s driving profile, and use this information either to determine an insurance quote, or act as a broker/aggregator in inviting other insurance providers to offer an insurance quote, or usage based insurance quote (UBI).

Claims

1. A system for use of carbon emissions in characterizing vehicle driver performance and use in determining insurance coverage comprising:

a data collection and assessment environment, including

one or more data collection devices that can be used to capture data and information or otherwise measure vehicle actions,

a data collection and assessment logic, and

a carbon emissions assessment module which includes information about typical carbon emissions, and can compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle; and

wherein the data collection and assessment environment is configured to one or both

compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle, and

provide the information to an external insurance provider or broker framework to calculate a driver profile, for use in obtaining a usage based insurance quote (UBI) for the driver.

2. The system of claim 1, wherein results from the carbon emissions assessment module are compared with physical emission measurements in order to determine a precision built-in error, which enables certainty levels to be attached to the calculated emissions, and which can be used to associate confidence intervals with driver quality prediction scores.

3. A method for use of carbon emissions in characterizing vehicle driver performance and use in determining insurance coverage comprising:

providing a data collection and assessment environment, including

one or more data collection devices that can be used to capture data and information or otherwise measure vehicle actions,

a data collection and assessment logic, and

a carbon emissions assessment module which includes information about typical carbon emissions, and can compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle; and

wherein the data collection and assessment environment is configured to one or both

compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle, and

provide the information to an external insurance provider or broker framework to calculate a driver profile, for use in obtaining a usage based insurance quote (UBI) for the driver.

4. The method of claim 3, wherein results from the carbon emissions assessment module are compared with physical emission measurements in order to determine a precision built-in error, which enables certainty levels to be attached to the calculated emissions, and which can be used to associate confidence intervals with driver quality prediction scores.

5. A non-transitory computer readable medium, including instructions stored thereon which when read and executed by one or more computers cause the one or more computers to perform the steps comprising:

providing a data collection and assessment environment, including

one or more data collection devices that can be used to capture data and information or otherwise measure vehicle actions,

a data collection and assessment logic, and

a carbon emissions assessment module which includes information about typical carbon emissions, and can compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle; and

wherein the data collection and assessment environment is configured to one or both

compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle, and

provide the information to an external insurance provider or broker framework to calculate a driver profile, for use in obtaining a usage based insurance quote (UBI) for the driver.