SYSTEMS AND METHOD FOR AUTONOMOUS VEHICLE DATA PROCESSING

• US 20150187019A1
• Filed: 10/20/2014
• Published: 07/02/2015
• Est. Priority Date: 12/31/2013
• Status: Active Application

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Fernandes, Steven J., Olson, Paul Brendan, Prakash, Pankaj
• Application Number:
  US14/518,750
• Publication Number:
  US 20150187019A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system configured to determine an insurance premium associated with an account that covers a vehicle including an autonomous feature and a driver comprising a computer memory that stores biographical information including information regarding the autonomous feature; a processor that receives information associated with telematics data associated with the vehicle, concerning use of the vehicle and the autonomous feature; the processor further configured to determine discrete segments of use by the vehicle, and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the one of the discrete segments of use; the processor further configured to calculate pricing information based on the risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device.

Claims

1. A system configured to determine a premium associated with an account that covers at least one vehicle including at least one autonomous feature, the system comprising:

a computer memory that stores biographical information at least including information regarding the at least one autonomous feature;

a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one autonomous feature;

the processor further configured to generate a vehicle signature relativity responsive to the received information and the stored biographical information;

the processor further configured to calculate pricing information based at least in part on the vehicle signature relativity; and

a transmitter configured to transmit the pricing information to a user device.

2. The system of claim 1, wherein the processor calculates a weighted average driver score for the vehicle using a driver proxy score for each driver and the percentage of the time that each driver operates the vehicle.

3. The system of claim 2, wherein the weighted average driver score is the actual score for the vehicle.

4. The system of claim 3, wherein the driver signature relativity for the vehicle is based on a comparison of the actual score for the vehicle and the expected score for the vehicle.

5. The system of claim 2, wherein the percentage of the time that each driver operates the vehicle is determined from the received information.

6. The system of claim 1, wherein the at least one autonomous feature includes a perfect driver score.

7. The system of claim 1, wherein the at least one autonomous feature is identified using the VIN.

8. A method, implemented in a computer system, for determining an premium associated with an account that covers at least one vehicle including at least one autonomous feature and at least one driver, the method comprising:

storing, by a computer memory, biographical information associated with at least including information regarding the at least one autonomous feature;

receiving, by a processor, information associated with telematics data, wherein the telematics data is associated with at least one of the vehicle(s), the telematics data providing information concerning use of the at least one autonomous feature;

generating, by the processor, a vehicle signature relativity responsive to the received information and the stored biographical information;

calculating, by the processor, pricing information based at least in part on the vehicle signature relativity; and

transmitting, by a transmitter, the pricing information to a user device

9. The method of claim 8, further comprising calculating a weighted average driver score for the vehicle using a driver proxy score for each driver and the percentage of time that each driver operates the vehicle as determined using the received information.

10. The method of claim 9, wherein the weighted average driver score is the actual score for the vehicle.

11. The method of claim 10, wherein the driver signature relativity for the vehicle is based on a comparison of the actual score for the vehicle and the expected score for the vehicle.

12. The method of claim 8, further comprising determining, by the processor, a percentage of time each of the at least one autonomous features are activated.

13. The method of claim 12, further comprising determining, by the processor, a percentage of time each of the at least one autonomous features are used.

14. The method of claim 8, further comprising adjusting, by the processor, the pricing information based at least in part on autonomous operation of the vehicle.

15. The method of claim 8, wherein the at least one autonomous feature includes a perfect driver score.

16. The method of claim 8, further comprising determining the percentage of time that each driver operates the vehicle as determined using the received information.

17. The method of claim 9, wherein the at least one autonomous feature is identified using the VIN.

18. A system configured to determine an premium associated with an account that covers at least one vehicle and at least one autonomous driver, the system comprising:

a computer memory configured to store biographical information associated with at least one driver;

a processor configured to receive information associated with telematics data, wherein the telematics data is associated with at least one of the vehicles, the telematics data providing information concerning use of the at least one vehicles;

the processor further configured to generate a vehicle signature responsive to the received information and the stored biographical information;

the processor further configured to calculate pricing information based at least in part on the vehicle signature; and

a transmitter configured to transmit the pricing information to a user device.

19. The system of claim 18, wherein the processor calculates a weighted average driver score for the vehicle using a driver proxy score for each driver and the percentage of the time that each driver operates the vehicle.

20. The system of claim 19, wherein the driver signature relativity for the vehicle is based on a comparison of the average driver score for the vehicle and the expected score for the vehicle.