SYSTEMS AND METHODS FOR ASSESSING THE INSURANCE RISK OF DRIVER BEHAVIOR USING GPS TRACKING AND MACHINE LEARNING

• US 20180365771A1
• Filed: 06/15/2018
• Published: 12/20/2018
• Est. Priority Date: 06/15/2017
• Status: Abandoned Application

• Current Assignee: Flex, Ltd.
• Original Assignee: Flex, Ltd.
• Inventors: Kilburn, Christopher Bjorn
• Application Number:
  US16/010,000
• Publication Number:
  US 20180365771A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 10/08 Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
• CPC Class Codes: G06Q 10/0833 Tracking
• 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 5/00 Registering or indicating the working of vehicles
• 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 5/0808 Diagnosing performance data testing of vehicles G01M17/00; testing of electrical installation on vehicles G01R31/005
• CPC Class Codes: G08G 1/0112 from the vehicle, e.g. floating car data [FCD]
• CPC Class Codes: G08G 1/20 Monitoring the location of vehicles belonging to a group, e.g. fleet of vehicles, countable or determined number of vehicles

Abstract

Methods, devices, and systems for tracking an asset are provided. In particular, a device is provided that includes a processor; a wide-area network radio; an accelerometer; a physical interface; and a computer-readable storage medium storing computer-readable instructions. The processor captures first data from the accelerometer. The processor captures second data from one or more sensors via the physical interface. The processor captures location data. The processor sends the first data, the second data, and the location data to a network location. The processor receives an overall risk level based on the first data, the second data, the location data, and external data. The processor determines the overall risk level exceeds a threshold. The processor records event occurrence data in a database.

Claims

1. A computer system comprising:

a processor;

a first sensor;

a physical interface in communication with a second sensor; and

a computer-readable storage medium storing computer-readable instructions which, when executed by the processor, cause the processor to perform a method comprising;

capturing first data from the first sensor;

capturing second data from the second sensor via the physical interface;

capturing location data;

sending the first data, the second data, and the location data to a network location;

receiving an overall risk level based on the first data, the second data, the location data, and external data;

determining the overall risk level exceeds a threshold; and

based on determining the overall risk level exceeds the threshold, recording event occurrence data in a database.

2. The system of claim 1, wherein the overall risk level is related to an assessment of an insurance risk of a driver of a vehicle associated with the computer system.

3. The system of claim 1, further comprising capturing third data from a gyroscopic sensor.

4. The system of claim 1, wherein the external data comprises data associated with one or more of historical incidents, current traffic, historical traffic, and weather.

5. The system of claim 1, wherein the location data is captured from one of a GPS and a wide-area network radio.

6. The system of claim 1, wherein event occurrence data comprises data from two or more sensors.

7. The system of claim 1, wherein the threshold is a predetermined acceptable risk level.

8. A method comprising:

capturing, by a processor of a computer system, first data from an accelerometer of the computer system;

capturing, by the processor, second data from one or more sensors via a physical interface of the computer system;

capturing, by the processor, location data;

sending, by the processor, the first data, the second data, and the location data to a network location;

receiving, by the processor, an overall risk level based on the first data, the second data, the location data, and external data;

determining, by the processor, the overall risk level exceeds a threshold; and

based on determining the overall risk level exceeds the threshold, recording, by the processor, event occurrence data in a database.

9. The method of claim 8, wherein the overall risk level is related to an assessment of an insurance risk of a driver of a vehicle associated with the computer system.

10. The method of claim 8, further comprising capturing third data from a gyroscopic sensor.

11. The method of claim 8, wherein the external data comprises data associated with one or more of historical incidents, current traffic, historical traffic, and weather.

12. The method of claim 8, wherein the location data is captured from one of a GPS and a wide-area network radio of the computer system.

13. The method of claim 8, wherein event occurrence data comprises data from two or more sensors.

14. The method of claim 8, wherein the threshold is a predetermined acceptable risk level.

15. A computer program product, comprising:

a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code configured when executed by a processor of a computer system to;

capture first data from an accelerometer;

of the computer system

capture second data from one or more sensors via a physical interface of the computer system;

capture location data;

send the first data, the second data, and the location data to a network location;

receive an overall risk level based on the first data, the second data, the location data, and external data;

determine the overall risk level exceeds a threshold; and

based on determining the overall risk level exceeds the threshold, record event occurrence data in a database.

16. The computer program product of claim 15, wherein the overall risk level is related to an assessment of an insurance risk of a driver of a vehicle associated with the computer system.

17. The computer program product of claim 15, further comprising capturing third data from a gyroscopic sensor.

18. The computer program product of claim 15, wherein the external data comprises data associated with one or more of historical incidents, current traffic, historical traffic, and weather.

19. The computer program product of claim 15, wherein the location data is captured from one of a GPS and a wide-area network radio of the computer system.

20. The computer program product of claim 15, wherein event occurrence data comprises data from two or more sensors.