Calculation of Differential for Insurance Rates

• US 20180096433A1
• Filed: 10/03/2016
• Published: 04/05/2018
• Est. Priority Date: 10/03/2016
• Status: Abandoned Application

• Current Assignee: AT&T Intellectual Property I LP (AT&T, Inc.)
• Original Assignee: AT&T Intellectual Property I LP (AT&T, Inc.)
• Inventors: Belz, Steven, Pratt, James H., Sullivan, Marc Andrew
• Application Number:
  US15/284,174
• Publication Number:
  US 20180096433A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/02 Registering or indicating driving, working, idle, or waiting time only apparatus forming part of taximeters G07B13/00
• CPC Class Codes: G07C 5/0816 Indicating performance data, e.g. occurrence of a malfunction
• CPC Class Codes: H04N 7/183 for receiving images from a single remote source
• CPC Class Codes: H04N 7/188 Capturing isolated or intermittent images triggered by the occurrence of a predetermined event, e.g. an object reaching a predetermined position signal generation from motion picture films H04N5/253

Abstract

A system includes an input processor configured to receive video data from a source, wherein the video data includes identifiable data associated with a first vehicle, an analytics engine in communication with the input processor, wherein the analytics engine in configured to determine the identity of the first vehicle based on the identifiable data, a database in communication with the analytics engine wherein the database contains historical data associated with the first vehicle and the analytics engine uses the historical data in analyzing the video data, and an output processor configured to generate driving metrics based on the analyzed video data.

Claims

1. A system comprising:

An input processor configured to receive video data from a source, wherein the video data includes identifiable data associated with a first vehicle;

An analytics engine in communication with the input processor, wherein the analytics engine in configured to determine the identity of the first vehicle based on the identifiable data;

A database in communication with the analytics engine wherein the database contains historical data associated with the first vehicle and the analytics engine uses the historical data in analyzing the video data; and

An output processor configured to generate driving metrics based on the analyzed video data.

2. The system of claim 1 wherein the source is a camera mounted on a second vehicle.

3. The system of claim 1 further comprising an event history database comprising event data on vehicles similar to the first vehicle, the event history database in communication with the analytics engine and wherein the analytics engine is further configured to analyze the video data using the event data.

5. The system of claim 1 wherein the input processor is configured to receive video data wirelessly.

6. The system of claim 1 wherein the source is a stationary camera.

4. The system of claim 4 wherein the output processor is configured to communicate with an external server.

7. A method comprising:

Receiving, by a processor, video data from a source, wherein the video data includes identifiable data associated with a first vehicle;

Determining, by the processor, the identity of the first vehicle,

Accessing, by the processor, historical data associated with the first vehicle;

Analyzing, by the processor, the video data in view of the historical data; and

Generating, by the processor, driving metrics for the first vehicle based on the analyzing step.

8. The method of claim 7 further comprising validating the location of the first vehicle.

9. The method of claim 7 further comprising accessing an event history database comprising event data on vehicles similar to the first vehicle and wherein the analyzing step includes analyzing the event data.

10. The method of claim 9 wherein the event history database comprises geographical data associated with the event data.

11. The method of claim 9 wherein the event history database comprises traffic data associated with the event data.

12. The method of claim 7 wherein the source is a second vehicle and further comprising collecting data associated with the second vehicle.

13. The method of claim 12 wherein the generating step includes generating driving metrics associated with the second vehicle.

14. The method of claim 13 further comprising sending the driving metrics for the second vehicle to a server.

15. The method of claim 7 further comprising sending the driving metrics for the first vehicle to a server.

16. A server comprising:

an input/output for communicatively coupling the server to a source;

a processor communicatively coupled to the input/output system; and

memory storing instructions that cause the processor to effectuate operations, the operations comprising;

Receiving video data from the source, wherein the video data includes identifiable data associated with a first vehicle;

Determining the identity of the first vehicle,

Accessing historical data associated with the first vehicle;

Analyzing the processor the video data in view of the historical data; and

Generating driving metrics for the first vehicle based on the analyzing step.

17. The server of claim 16 further comprising validating the location of the first vehicle.

18. The server of claim 16 further comprising accessing an event history database comprising event data on vehicles similar to the first vehicle and wherein the analyzing step includes analyzing the event data.

19. The server of claim 16 further comprising wherein the source is a second vehicle and further comprising collecting data associated with the second vehicle.

20. The server of claim 16 further comprising sending the driving metrics for the first vehicle to a second server.