SYSTEM AND METHOD FOR DEVELOPING A DRIVER SAFETY RATING
First Claim
1. A method for providing a driver risk rating representative of driver performance using a computer-implemented system comprising a microprocessor and a memory, and instructions stored in the memory for implementing the method, the method comprising:
- receiving from a toll transaction system toll trip data, the toll trip data reflecting data recorded as a result of operation of an automobile associated with at least one driver;
processing the toll trip data to determine toll trip metrics as a function of the toll trip data; and
processing the toll trip metrics in accordance with predefined data processing logic to develop a driver risk rating for each driver as a function of the toll trip data.
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Abstract
Driver performance is assessed using existing datasets derived from conventional highway travel, such as a datasets from wireless highway toll payment systems. Existing datasets are processed to develop a driver safety rating and/or otherwise assess driver performance to determine a level of driver performance and/or risk, and to determine suitability for insurance discounts, etc. An exemplary system and method for providing a driver risk rating representative of driver performance involves: receiving from a toll transaction system toll trip data, the toll trip data reflecting data recorded as a result of operation of an automobile associated with at least one driver; processing the toll trip data to determine toll trip metrics as a function of the toll trip data; and processing the toll trip metrics in accordance with predefined data processing logic to develop a driver risk rating for each driver as a function of the toll trip data.
133 Citations
23 Claims
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1. A method for providing a driver risk rating representative of driver performance using a computer-implemented system comprising a microprocessor and a memory, and instructions stored in the memory for implementing the method, the method comprising:
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receiving from a toll transaction system toll trip data, the toll trip data reflecting data recorded as a result of operation of an automobile associated with at least one driver; processing the toll trip data to determine toll trip metrics as a function of the toll trip data; and processing the toll trip metrics in accordance with predefined data processing logic to develop a driver risk rating for each driver as a function of the toll trip data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 21, 23)
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20. The method 1, further comprising:
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receiving from an external data store information identifying environmental factors; identifying environmental parameters associated with the driver'"'"'s trips as a function of the driver'"'"'s toll trip data; and processing the toll trip data and environmental parameters in accordance with pre-defined data processing logic to develop the driver risk rating.
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22. A driver risk assessment system for providing a driver risk rating representative of driver performance, the system comprising:
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a processor; a memory operably connected to the processor for storing instructions; and instructions stored in the memory for causing the system to; receive from a toll transaction system toll trip data, the toll trip data reflecting data recorded as a result of operation of an automobile associated with at least one driver; process the toll trip data to determine toll trip metrics as a function of the toll trip data; and process the toll trip metrics in accordance with predefined data processing logic to develop a driver risk rating for each driver as a function of the toll trip data.
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Specification