INSURANCE PRODUCTS FOR A CAMERA DEVICE COUPLED TO A VEHICLE

• US 20150081344A1
• Filed: 09/16/2014
• Published: 03/19/2015
• Est. Priority Date: 09/18/2013
• Status: Abandoned Application

• Current Assignee: Esurance Insurance Services Incorporated (Allstate Corporation)
• Original Assignee: Esurance Insurance Services Incorporated (Allstate Corporation)
• Inventors: LEE, Charles Sung
• Application Number:
  US14/488,081
• Publication Number:
  US 20150081344A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Various aspects of the subject technology relate to systems, methods, and machine-readable media for providing an insurance product to a user with a camera device coupled to a vehicle. A system is configured to receive user data from at least one camera device coupled to a vehicle, wherein the user data comprises video data, determine whether a set of criteria is met based on the user data, and providing an insurance product to a user associated with the camera device when the set of criteria is met.

Claims

1. A method comprising:

receiving user data from at least one camera device coupled to a vehicle, wherein the user data comprises video data;

determining, based on the user data, whether a set of criteria is met; and

providing, using a processor, an insurance product to a user associated with the camera device when the set of criteria is met.

2. The method of claim 1, wherein the at least one camera device coupled to the vehicle comprises a dashboard camera device mounted in a cabin of the vehicle of the user.

3. The method of claim 1, wherein the video data is of a front-facing vehicle view and wherein the video data is time-coded with temporal data associated with the video data.

4. The method of claim 3, wherein the user data further comprises a geographical location associated with the video data.

5. The method of claim 4, wherein the geographical location is generated by a GPS device associated with the at least one camera device.

6. The method of claim 4, further comprising storing the video data in a memory associated with the at least one camera device.

7. The method of claim 6, further comprising:

receiving a query time and location; and

identifying segments of the video data that correspond to the query time and location based on the temporal data and the geographical location associated with the video data.

8. The method of claim 1, wherein the insurance product comprises a discount to be applied to an insurance policy, and wherein providing the user with the insurance product comprises applying the discount to an insurance policy associated with the user.

9. The method of claim 1, wherein the insurance product comprises an offer of a discount to be applied to an insurance policy, and wherein providing the user with the insurance product comprises transmitting the offer to the user.

10. The method of claim 1, wherein the set of criteria comprises at least one of whether the received video data corresponds to an amount of time that exceeds a threshold amount of time, whether the received video data exceeds a threshold quality level, or whether the at least one camera device is installed correctly.

11. The method of claim 1, wherein the at least one camera device is associated with a user account provided by an insurance platform, the method further comprising registering the at least one camera device with the user account.

12. The method of claim 1, further comprising transmitting instructions to the at least one camera device, wherein the at least one camera device is configured to alter at least one of a zoom level, a subject of focus, or an angle of view based on the instructions.

13. A system comprising:

one or more processors; and

a machine-readable medium comprising instructions stored therein, which when executed by the one or more processors, cause the one or more processors to perform operations comprising;

receiving user data from at least one camera device coupled to a vehicle, wherein the user data comprises video data;

storing, on a memory, the video data;

determining, based on the user data, whether a set of criteria is met; and

providing, using a processor, an insurance product to a user associated with camera device when the set of criteria is met.

14. The system of claim 13, wherein the video data is stored on the memory for a period of time, and wherein the operations further comprise automatically deleting the video data from the memory when the period of time expires.

15. The system of claim 13, wherein the operations further comprise:

receiving an indication of a traffic incident at a particular time; and

identifying segments of the video data that correspond to the traffic incident.

16. The system of claim 15, wherein the traffic incident is associated with the user, and wherein the operations further comprise adjusting an insurance product associated with the user based on the identified segments of the video data.

17. The system of claim 13, wherein the insurance product comprises a discount to be applied to an insurance policy, and wherein providing the user with the insurance product comprises applying the discount to an insurance policy associated with the user.

18. The system of claim 13, wherein the set of criteria comprises at least one of whether the received video data corresponds to an amount of time that exceeds a threshold amount of time, whether the received video data exceeds a threshold quality level, or whether the at least one camera device is installed correctly.

19. A non-transitory machine-readable medium comprising instructions stored therein, which when executed by a machine, cause the machine to perform operations comprising:

receiving a video feed from at least one camera device associated with a user of an insurance platform;

storing, on a memory, the video feed for a period of time; and

providing, using a processor, a discount to the user based on the storing of the video feed.

20. The non-transitory machine-readable medium of claim 19, wherein the operations further comprise:

determining one or more driving characteristics for the user based on the video feed; and

adjusting an insurance product associated with the user based on the determined one or more driving characteristics.