Systems and methods to identify and profile a vehicle operator

• US 8,738,523 B1
• Filed: 05/20/2013
• Issued: 05/27/2014
• Est. Priority Date: 03/15/2013
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Fields, Brian, Sanchez, Kenneth J., Chan, Aaron S., Baker, Matthew R., Zettinger, Matthew, Nepomuceno, John A.
• Primary Examiner(s): Chang, Edward
• Application Number:
  US13/897,646
• Time in Patent Office: 372 Days
• Field of Search: 705/39, 705/4
• US Class Current: 705/39
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle. A driver is then identified based on the plurality of risk variables, and a risk profile is developed for the driver. The development of the risk profile involves determining the risk associated with at least some of the risk variables and generating a risk index, the risk index being a collective measure of risk associated with the driver.

Claims

1. A computer-implemented method for assessing risk associated with a driver of a vehicle, the method comprising:

receiving, via a network interface, a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle;

causing one or more processors to determine the driver from a plurality of drivers based on the plurality of risk variables, wherein determining the driver includes;

clustering the plurality of risk variables into a plurality of groups of risk variables, and

associating at least one of the plurality of groups of risk variables with the driver; and

causing the one or more processors to develop a risk profile for the driver based on the associated groups of risk variables, wherein developing a risk profile for the driver includes;

determining a risk corresponding to at least some of the associated groups of risk variables, and generating a risk index, the risk index being a collective measure of risk corresponding to the driver and the risk index being based on the risk corresponding to the associated groups of risk variables;

wherein the plurality of risk variables includes at least two of the following risk variables;

measurements of driver behavior, driving times, driving environment measurements, motions sensor data, images of drivers, audio data, biometric sensor data, or geographic location data.

2. The computer-implemented method of claim 1, further comprising:

causing one or more processors to create a report of the risk profile for an insurance customer, the report of the risk profile including at least one of risk indices, estimated insurance costs, insurance rates, or payment instructions;

communicating, via the network interface, the report of the risk profile to the insurance customer.

3. The computer-implemented method of claim 1, further comprising:

causing one or more processors to generate insurance rates for an insurance product consistent with one or more risk profiles associated with the driver;

communicating, via the network interface, insurance costs for the insurance product according to the generated insurance rates; and

receiving, via the network interface, payment for the insurance product.

4. The computer-implemented method of claim 1, wherein the plurality of risk variables are gathered when the driver operates the vehicle and when the driver operates other vehicles.

5. The computer-implemented method of claim 1, wherein the risk variables are gathered when the driver operates the vehicle and when the one or more drivers complete at least one of cognitive ability tests or driving simulation tests.

6. The computer-implemented method of claim 5, wherein the one or more drivers are given rewards in exchange for completing the cognitive ability tests or driving simulation tests, the rewards including at least one of discounts, coupons, or prizes.

7. The computer-implemented method of claim 1, wherein the risk profile is adjusted periodically based on accumulated risk variables.

8. A computer device for assessing risk associated with a driver of a vehicle, the computer device comprising:

one or more processors; and

one or more memories coupled to the one or more processors;

wherein the one or more memories include computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to;

receive, via a network interface, a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle;

determine the driver from a plurality of drivers based on the plurality of risk variables, the determination of the driver including;

clustering the plurality of risk variables into a plurality of groups of risk variables;

associating at least one of the plurality of groups of risk variables with the driver; and

develop a risk profile for the driver based on the associated groups of risk variables, wherein developing a risk profile for the driver includes;

determining a risk corresponding to at least some of the associated groups of risk variables, and

generating a risk index, the risk index being a collective measure of risk corresponding to the driver and the risk index being based on the risk corresponding to the associated groups of risk variables;

wherein the plurality of risk variables includes at least two of the following risk variables;

measurements of driver behavior, driving times, driving environment measurements, motions sensor data, images of drivers, audio data, biometric sensor data, or geographic location data.

9. The computer device of claim 8, further comprising:

causing one or more processors to generate insurance rates for an insurance product consistent with one or more risk profiles associated with the driver;

communicating, via the network interface, insurance costs for the insurance product according to the generated insurance rates; and

receiving, via the network interface, payment for the insurance product.

10. The computer device of claim 8, wherein the plurality of risk variables are generated by devices that are:

(i) permanently installed in the vehicle, or (ii) temporarily disposed in the vehicle.

11. The computer device of claim 10, wherein the plurality of risk variables are generated by mobile computing devices including at least one of smartphones, tablet computers, personal digital assistants, laptop computers, or mobile phones temporarily disposed in the vehicle.

12. The computer device of claim 8, wherein the risk variables are gathered when the driver operates the vehicle and when the one or more drivers complete at least one of cognitive ability tests or driving simulation tests.

13. The computer device of claim 8, wherein the risk profile is adjusted periodically based on accumulated risk variables.

14. A computer readable storage medium

comprising non-transitory computer readable instructions stored thereon for assessing risk associated with a driver of a vehicle, the instructions, when executed on one or more processors, cause the one or more processors to:

receive, via a network interface, a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle;

determine the driver from a plurality of drivers based on the plurality of risk variables, the determination of the driver including;

clustering the plurality of risk variables into a plurality of groups of risk variables;

associating at least one of the plurality of groups of risk variables with the driver; and

develop a risk profile for the driver based on the associated groups of risk variables, wherein developing a risk profile for the driver includes;

determining a risk corresponding to at least some of the associated groups of risk variables, and

generating a risk index, the risk index being a collective measure of risk corresponding to the driver and the risk index being based on the risk corresponding to the associated groups of risk variables;

wherein the plurality of risk variables includes at least two of the following risk variables;

measurements of driver behavior, driving times, driving environment measurements, motions sensor data, images of drivers, audio data, biometric sensor data, or geographic location data.

15. The computer readable storage medium of claim 14, further comprising:

causing one or more processors to generate insurance rates for an insurance product consistent with one or more risk profiles associated with the driver;

communicating, via the network interface, insurance costs for the insurance product according to the generated insurance rates; and

receiving, via the network interface, payment for the insurance product.

16. The computer readable storage medium of claim 14, wherein the risk variables are gathered when the driver operates the vehicle and when the one or more drivers complete at least one of cognitive ability tests or driving simulation tests.

17. The computer readable storage medium of claim 14, wherein the risk profile is adjusted periodically based on accumulated risk variables.