Incentivized adoption of time-dependent insurance benefits

• US 8,255,275 B2
• Filed: 11/23/2009
• Issued: 08/28/2012
• Est. Priority Date: 11/26/2008
• Status: Expired due to Fees

• Current Assignee: Great Lakes Incubator, LLC, RCK-IP, LLC
• Original Assignee: Great Lakes Incubator, LLC
• Inventors: Collopy, Fred, Nard, Craig Allen, Amin, Himanshu S., Turocy, Gregory, Sharifi Takieh, Seyed Vahid, Krosky, Ronald Charles, Noonan, David, Narvaez, Gustavo Arnaldo, Asquith, Brian
• Primary Examiner(s): VEZERIS, JAMES A
• Application Number:
  US12/624,371
• Publication Number:
  US 20100131308A1
• Time in Patent Office: 1,009 Days
• Field of Search: 705/4, 705/14.49
• US Class Current: 705/14.49
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0265 Vehicular advertisement
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.

Claims

1. A system, comprising:

a processor;

a non-transitory computer-readable storage medium communicatively coupled to the processor and storing computer executable components to facilitate operation of components comprising;

a performance collection component configured to;

identify an operator of a vehicle; and

supply at least one performance record generated based in part on at least one of information describing real-time operation of a vehicle by the operator or information describing an operation environment of the vehicle by the operator;

an information management component configured to;

receive at least one of the real-time operation information or the operation environment information;

infer a destination of the vehicle based at least in part on prior destination information contained in aggregated data pertaining to prior operation of the vehicle by the operator in conjunction with at least one of the real-time operation information or operation environment information;

identify a lifestyle choice of the operator; and

identify a third-party located at the inferred destination offering a commodity that matches the operator lifestyle choice;

a benefit generation component configured to forward an advertisement generated by the third-party; and

a display component configured to;

render the advertisement; and

collect indication of acceptance of the advertisement.

2. The system of claim 1, wherein the performance record is specific to the operator and is transferrable from the vehicle to a disparate vehicle.

3. The system of claim 1, further comprising a selection component configured to expose the performance record to the third party based at least in part on a privacy criteria.

4. The system of claim 1, further comprising an information regulation component configured to control access to the performance record.

5. The system of claim 1, wherein the display component is configured to be removably attached to the vehicle and receives input from the operator through at least one of a speech gesture, touch gesture, or a motion gesture.

6. The system of claim 1, wherein the performance collection component is a mobile device functionally coupled to a component that supplies the performance record.

13. The system of claim 1, wherein identification of the operator is facilitated by at least one of a radio frequency identification device associated with the operator, information provided by a mobile handset associated with the operator, or information received from a biometric device located in the steering wheel of the vehicle.

14. The system of claim 1, wherein the identification of the lifestyle choice is based at least in part on information provided by the operator during obtainment of insurance coverage or inferred from the aggregated data pertaining to prior operation of the vehicle by the operator.

15. The system of claim 1, wherein the performance record is collected as part of a service provisioning insurance coverage for the operator.

16. The system of claim 15, wherein the third-party pays an entity provisioning the insurance coverage to supply the advertisement.

7. A method, comprising:

employing at least one computer processor to execute code instructions retained in a computer-readable medium, the executed code instructions implement the following acts;

identifying an operator of a vehicle;

identifying a lifestyle choice of the operator;

collecting performance information of the vehicle by the operator;

supplying the collected performance information based in part on predetermined criteria;

inferring a destination of the vehicle based at least in part by comparing the collected performance information with at least one destination identified in response to data mining of at least one record aggregated during operation of a vehicle by the operator;

identifying a third-party located at the inferred destination offering a commodity matching the operator lifestyle choice;

receiving an advertisement generated by the third-party based at least in part on the operator lifestyle choice;

presenting the advertisement to the operator while operating the vehicle in the direction of the inferred location; and

in the event of the advertisement being selected;

delivering an indication of the selection of the advertisement; and

receiving content based on the selected advertisement.

8. The method of claim 7, the supplying includes:

issuing a criteria regulating access to the performance record by at least one of a service provider, a third-party network, or the operator;

generating the performance record for a specific performance period; and

regulating access to the performance record based at least in part on at least one of the criteria, the service provider, or the third-party network.

9. The method of claim 8, further comprising determining compliance with the access regulation facilitating delivery of the performance record.

10. The method of claim 8, wherein the criteria establishing selective masking of the performance record by determining a group of entities allowed access to the performance record.

17. The method of claim 7, wherein the identifying of the operator being facilitated by at least one of a radio frequency identification device associated with the operator, information provided by a mobile handset associated with the operator, or information received from a biometric device located in the steering wheel of the vehicle.

18. The method of claim 7, wherein the identifying of the lifestyle choice being based at least in part on information being provided by the operator during obtainment of insurance coverage or being inferred from the aggregated data pertaining to prior operation of the vehicle by the operator.

11. A system comprising a non-transitory computer-readable storage medium having computer-executable instructions that, in response to execution, cause a computing system to perform operations comprising:

identifying an operator of a vehicle;

conveying a performance record generated based in part on at least one of real-time operation information of the vehicle by the operator or information of an operation environment of the vehicle being operated by the operator;

inferring a destination of the vehicle based at least in part by comparing the collected performance record with at least one destination identified in response to data mining of at least one record aggregated during prior operation of a vehicle by the operator;

identifying a lifestyle choice of the operator;

identifying a third-party located at the inferred destination offering a commodity matching the operator lifestyle choice;

receiving an advertisement generated by the third-party relating to the operator lifestyle choice;

rendering the advertisement; and

collecting an indication of acceptance or rejection of the advertisement by the operator.

12. The system of claim 11, wherein the performance record being collected as part of a service provisioning insurance coverage for the operator.

19. The system of claim 11, wherein the identifying of the operator being facilitated by at least one of a radio frequency identification device associated with the operator, information provided by a mobile handset associated with the operator, or information received from a biometric device located in the steering wheel of the vehicle.

20. The system of claim 11, wherein the identifying of the lifestyle choice being based at least in part on information being provided by the operator during obtainment of insurance coverage or being inferred from the aggregated data pertaining to prior operation of the vehicle by the operator.