System and method to provide telematics data on a map display

• US 8,731,768 B2
• Filed: 06/21/2012
• Issued: 05/20/2014
• Est. Priority Date: 05/22/2012
• Status: Active Grant

• 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., Feero, Steven R.
• Primary Examiner(s): Cheung, Mary
• Assistant Examiner(s): Trivedi, Atul
• Application Number:
  US13/529,136
• Publication Number:
  US 20130317665A1
• Time in Patent Office: 698 Days
• Field of Search: 701/32, 701/32.3, 701/32.4, 701/32.5, 701/32.6, 701/32.7, 701/45, 701/62, 701/76, 701/92, 701/97, 701/107, 701213-215, 701/412, 701468-472, 180271-290, 705/4, 705/7.28
• US Class Current: 701/32.3
• CPC Class Codes: B60W 40/09 Driving style or behaviour
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G08G 5/0039 Modification of a flight plan

Abstract

A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Claims

1. A system for displaying telematics data to a driver of a vehicle, the system comprising:

a computer memory storing data indicative of telematics data received from a sensor within a vehicle, the telematics data comprising geo-position information of the vehicle and vehicle kinematics data; and

a processor in communication with the memory, wherein the processor is configured for;

identifying, based on the stored telematics data received from the sensor within the vehicle, safety events involving the vehicle, the safety events comprising one or more of deceleration above a threshold, acceleration above a threshold, turning above a threshold, speeding above a threshold and lane change speed above a threshold, and for each of the safety events involving the vehicle, locations of the safety events locations based on the data indicative of the telematics data,

receiving data indicative of safety events associated with other drivers identified based on telematics data received from sensors within vehicles of the other drivers and locations of safety events identified based on telematics data received from sensors within the vehicles of the other drivers, and

causing to be displayed to the driver indications of the identified safety events involving the vehicle on a map display along with indications of one or more of the safety events associated with the other drivers.

2. The system of claim 1, wherein the identified safety events are associated with a plurality of different event types, and further comprising:

receiving, from the driver, a selection of a particular event type,

wherein only indications of the safety events associated with that particular event type are displayed to the driver on the map display.

3. The system of claim 1, wherein the identified safety events are associated with event dates, and further comprising:

receiving, from the driver, a date range,

wherein only indications of the safety events having event dates within the date range are displayed to the driver on the map display.

4. The system of claim 1, wherein the identified safety events are associated with a plurality of different event severities, and further comprising:

receiving, from the driver, a selection of a particular event severity,

wherein only indications of the safety events associated with that particular event severity are displayed to the driver on the map display.

5. The system of claim 1, wherein at least some safety events are associated with:

(i) times of day associated with driving, (ii) velocities associated with driving, (iii) distances associated with driving, (iv) weather information, (v) traffic information, and (vi) deceleration events.

6. The system of claim 1, further comprising:

receiving, from the driver, a filtering characteristic,

wherein only safety events associated with other drivers having the filtering characteristic are displayed on the map display.

7. The system of claim 6, wherein the filtering characteristic is associated with at least one of:

(i) age, (ii) driving experience, (iii) vehicle type, (iv) gender, or (v) residence.

8. The system of claim 1, wherein the data indicative of telematics data is received by an insurance company from a third party service.

9. The system of claim 8, wherein the processor is further to receive from the third party service at least some data indicative of telematics data that does not identify particular drivers or vehicles.

10. The system of claim 1, wherein the processor is further configured for:

outputting an indication of a suggested driving modification.

11. The system of claim 10, wherein the suggested driving modification is output to at least one of:

(i) a parent of the driver, and (ii) an employer of the driver.

12. The system of claim 1, wherein information about safety events is automatically forwarded to at least one of:

(i) a community improvement resource, or (ii) a social network site.

13. A computerized method for displaying telematics data to a driver of a vehicle, the method comprising:

receiving, by a processor, data indicative of telematics data collected from a sensor coupled to the vehicle, wherein the telematics data includes geo-position information and kinematics data of the vehicle;

identifying, by the processor, based on the stored telematics data received from the sensor within the vehicle, safety events involving the vehicle, the safety events comprising one or more of deceleration above a threshold, acceleration above a threshold, turning above a threshold, speeding above a threshold and lane change speed above a threshold, and locations of the safety events involving the vehicle identified based on the telematics data;

receiving, by the processor, data indicative of safety events associated with other drivers identified based on telematics data received from sensors within vehicles of the other drivers and locations of the safety events identified based on telematics data received from sensors within vehicles of the other drivers; and

causing to be displayed to the driver indications of the safety events involving the vehicle on a map display along with indications of one or more of the safety events associated with the other drivers.

14. The method of claim 13, wherein the identified safety events are associated with a plurality of different event types, and further comprising:

receiving, from the driver, a selection of a particular event type,

wherein only indications of the safety events associated with that particular event type are displayed to the driver on the map display.

15. The method of claim 13, wherein the identified safety events are associated with event dates, and further comprising:

receiving, from the driver, a date range,

wherein only indications of the safety events having event dates within the date range are displayed to the driver on the map display.

16. The method of claim 13, wherein the identified safety events are associated with a plurality of different event severities, and further comprising:

receiving, from the driver, a selection of a particular event severity,

wherein only indications of the safety events associated with that particular event severity are displayed to the driver on the map display.

17. The method of claim 13, wherein at least some safety events are associated with:

(i) times of day associated with driving, (ii) velocities associated with driving, (iii) distances associated with driving, (iv) weather information, (v) traffic information, and (vi) deceleration events.

18. The method of claim 13, further comprising:

displaying to the driver indications of safety events associated with other drivers on the map display.

19. A non-transitory computer readable medium having stored therein instructions that, upon execution, cause a computer to perform a method for displaying telematics data to a driver of a vehicle, the method comprising:

receiving, by a processor, data indicative of telematics data collected from a sensor coupled to the vehicle, wherein the telematics data includes geo-position information and kinematics data of the vehicle;

identifying, by the processor, based on the stored telematics data received from the sensor within the vehicle, safety events, the safety events comprising one or more of deceleration above a threshold, acceleration above a threshold, turning above a threshold, speeding above a threshold and lane change speed above a threshold, and locations of the identified safety events based on the telematics data;

receiving, by the processor, data indicative of safety events associated with other drivers identified based on telematics data received from sensors within vehicles of the other drivers and locations of the safety events identified based on telematics data received from sensors within vehicles of the other drivers; and

causing to be displayed to the driver indications of the safety events involving the vehicle on a map display along with indications of one or more of the safety events associated with the other drivers.

20. The medium of claim 19, wherein the identified safety events are associated with a plurality of different event types, and the method further comprises:

receiving, from the driver, a selection of a particular event type,

wherein only indications of the safety events associated with that particular event type are displayed to the driver on the map display.

21. The medium of claim 19, wherein the identified safety events are associated with event dates, and the method further comprises:

receiving, from the driver, a date range,

wherein only indications of the safety events having event dates within the date range are displayed to the driver on the map display.

22. The medium of claim 19, wherein the identified safety events are associated with a plurality of different event severities, and the method further comprises:

receiving, from the driver, a selection of a particular event severity,

wherein only indications of the safety events associated with that particular event severity are displayed to the driver on the map display.

23. The medium of claim 19, wherein at least some safety events are associated with:

(i) times of day associated with driving, (ii) velocities associated with driving, (iii) distances associated with driving, (iv) weather information, (v) traffic information, and (vi) deceleration events.