VEHICLE OPERATIONS MONITORING

• US 20150039348A1
• Filed: 12/10/2013
• Published: 02/05/2015
• Est. Priority Date: 08/05/2013
• Status: Abandoned Application

• Current Assignee: Ford Global Technologies, LLC (Ford Motor Company)
• Original Assignee: Ford Global Technologies, LLC (Ford Motor Company)
• Inventors: Miller, Kenneth James, Martin, Douglas Raymond
• Application Number:
  US14/101,815
• Publication Number:
  US 20150039348A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C

Abstract

During operation of a vehicle, usage data is received from one or more data collectors related to operation of the vehicle. A driving score is determined based on the one or more data collector inputs. A remote computer is queried for data relating the driving score to an insurance policy. During operation of the vehicle, a message is provided via a user interface based on the data relating the driving score to an insurance policy.

Claims

1. A system, comprising a computer in a vehicle, the computer comprising a processor and a memory, wherein the computer is configured to:

during operation of the vehicle, receive usage data from one or more data collectors related to operation of the vehicle;

determine a driving score based on the one or more data collector inputs;

query a remote computer for data relating the driving score to an insurance policy; and

during operation of the vehicle, provide a message via a user interface based on the data relating the driving score to an insurance policy.

2. The system of claim 1, wherein:

the message includes a request to provide the usage data to the remote computer; and

the computer is further configured to provide the usage data to the remote computer after receiving user authorization.

3. The system of claim 2, wherein the computer is further configured to receive insurance policy information based on the usage data.

4. The system of claim 2, wherein the computer is further configured to submit the usage data to the remote computer and receive and display the insurance policy information in real-time or near real-time.

5. The system of claim 1, wherein the message includes an evaluation of operation of the vehicle.

6. The system of claim 1, wherein the computer is further configured to:

determine an accountability factor reflecting a degree to which an operator of the vehicle should be held accountable for a potential incident, and an incident value for the potential incident; and

determine the driving score based on the accountability factor and a value assigned to the potential incident.

7. The system of claim 6, wherein the accountability factor is the product of two or more accountability sub-factors.

8. The system of claim 6, wherein at least one of the accountability sub-factors is a function of a reverse speed of an object or a deceleration rate of the object.

9. The system of claim 1, wherein the computer is further configured to determine a plurality of driving scores.

10. The system of claim 1, wherein the data relating the driving score to an insurance policy includes one of an insurance rate quote and an adjustment to a rate of an existing policy.

11. A method, comprising:

during operation of a vehicle, receiving usage data from one or more data collectors related to operation of the vehicle;

determining a driving score based on the one or more data collector inputs;

querying a remote computer for data relating the driving score to an insurance policy; and

during operation of the vehicle, providing a message via a user interface based on the data relating the driving score to an insurance policy.

12. The method of claim 11, wherein the message includes a request to provide the usage data to the remote computer, the method further comprising providing the usage data to the remote computer after receiving user authorization.

13. The method of claim 12, further comprising receiving insurance policy information based on the usage data.

14. The method of claim 12, further comprising submitting the usage data to the remote computer and receiving and displaying the insurance policy information in real-time or near real-time.

15. The method of claim 11, wherein the message includes an evaluation of operation of the vehicle.

16. The method of claim 11, further comprising:

determining an accountability factor reflecting a degree to which an operator of the vehicle should be held accountable for a potential incident, and an incident value for the potential incident; and

determining the driving score based on the accountability factor and a value assigned to the potential incident.

17. The method of claim 16, wherein the accountability factor is the product of two or more accountability sub-factors.

18. The method of claim 16, wherein at least one of the accountability sub-factors is a function of a reverse speed of an object or a deceleration rate of the object.

19. The method of claim 11, further comprising determining a plurality of driving scores.

20. The method of claim 11, wherein the data relating the driving score to an insurance policy includes one of an insurance rate quote and an adjustment to a rate of an existing policy.