Incentivized adoption of time-dependent insurance benefits

• US 8,484,113 B2
• Filed: 06/21/2012
• Issued: 07/09/2013
• 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: Nard, Craig Allen, Amin, Himanshu S., Turocy, Gregory, Sharifi Takieh, Seyed Vahid, Krosky, Ronald Charles, Noonan, David, Narvaez, Gustavo Arnaldo, Asquith, Brian, Collopy, Fred
• Primary Examiner(s): VEZERIS, JAMES A
• Application Number:
  US13/529,866
• Publication Number:
  US 20120259666A1
• Time in Patent Office: 383 Days
• Field of Search: 705/14, 705/4
• US Class Current: 705/35
• 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 non-transitory computer-readable storage medium; and

a processor that executes the following computer executable components stored on the non-transitory computer-readable storage medium;

an information management component configured to;

receive at least one of real-time operation information or operation environment information regarding a vehicle;

infer a destination of the vehicle; and

identify a provider, located at or en route to the inferred destination, that is offering a product or service that matches a lifestyle choice of a vehicle operator;

a benefit generation component configured to forward to the vehicle or the vehicle operator an advertisement generated by the provider; and

a display component configured to display the advertisement.

2. The system of claim 1, further comprising a performance record generated based in part on at least one of the real-time operation information of the vehicle by the vehicle operator or the operation environment information of the vehicle by the vehicle operator.

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

4. The system of claim 2, further comprising a selection component configured to expose the performance record to the provider based at least in part on a privacy criteria.

5. The system of claim 2, further comprising an information regulation component configured to control access to the performance record.

6. The system of claim 2, wherein the performance record is collected as part of a service provisioning insurance coverage for the vehicle operator.

7. The system of claim 6, wherein the provider pays an entity provisioning the insurance coverage to supply the advertisement.

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

9. The system of claim 1, wherein the information management component is a mobile device functionally coupled to a component configured to supply at least one of the real-time operation information or the operation environment information regarding the vehicle.

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

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

12. 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;

receiving at least one of real-time operation information or operation environment information regarding a vehicle;

inferring a destination of the vehicle; and

identifying a provider, located at or en route to the inferred destination, that is offering a product or service that matches a lifestyle choice of an operator of the vehicle;

forwarding to the vehicle or the vehicle operator an advertisement generated by the provider; and

displaying the advertisement.

13. The method of claim 12, further comprising generating a performance record based in part on at least one of the real-time operation information of the vehicle or the operation environment information of the vehicle.

14. The method of claim 13, further comprising issuing a criteria regulating access to the performance record by the provider;

and

regulating access to the performance record based at least in part on at least one of the criteria or the service provider.

15. The method of claim 14, further comprising determining compliance with the access regulation facilitating delivery of the performance record.

16. The method of claim 14, 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 12, further comprising identifying the vehicle operator based on at least one of a radio frequency identification device associated with the vehicle operator, information provided by a mobile handset associated with the vehicle operator, or information received from a biometric device located in the steering wheel of the vehicle.

18. The method of claim 12, further comprising identifying the lifestyle choice 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 vehicle operator.

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

receiving at least one of real-time operation information or operation environment information regarding a vehicle;

inferring a destination of the vehicle; and

identifying a provider, located at or en route to the inferred destination, that is offering a product or service that matches a lifestyle choice of an operator of the vehicle;

forwarding to the vehicle or the vehicle operator an advertisement generated by the provider; and

displaying the advertisement.

20. The system of claim 19, the operations further comprising generating a performance record based in part on at least one of the real-time operation information of the vehicle or the operation environment information of the vehicle.

21. The system of claim 20, wherein the performance record being collected as part of a service provisioning insurance coverage for the vehicle operator.

22. The system of claim 19, the operations further comprising identifying the vehicle operator based on at least one of a radio frequency identification device associated with the vehicle operator, information provided by a mobile handset associated with the vehicle operator, or information received from a biometric device located in the steering wheel of the vehicle.

23. The system of claim 19, the operations further comprising identifying of the lifestyle choice, wherein the identifying of the lifestyle choice being based at least in part on information being provided by the vehicle operator during obtainment of insurance coverage or being inferred from the aggregated data pertaining to prior operation of the vehicle by the vehicle operator.