Online system for training novice drivers and rating insurance products

• US 8,930,227 B2
• Filed: 03/06/2012
• Issued: 01/06/2015
• Est. Priority Date: 03/06/2012
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Nepomuceno, John Adrian
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US13/413,554
• Publication Number:
  US 20130238365A1
• Time in Patent Office: 1,036 Days
• Field of Search: 705/4, 434/62, 434/65, 434/69
• US Class Current: 705/4
• CPC Class Codes: A63G 31/16 creating illusions of travel
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0208 Trade or exchange of goods or services in exchange for incentives or rewards
• CPC Class Codes: G06Q 30/0271 Personalized advertisement
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/20 Education
• CPC Class Codes: G09B 19/14 Traffic procedures, e.g. traffic regulations
• CPC Class Codes: G09B 19/167 Control of land vehicles
• CPC Class Codes: G09B 9/02 for teaching control of vehicles or other craft
• CPC Class Codes: G09B 9/04 for teaching control of land vehicles
• CPC Class Codes: G09B 9/05 the view from a vehicle being simulated G09B9/052, G09B9/058 take precedence
• CPC Class Codes: G09B 9/052 characterised by provision for recording or measuring trainee's performance devices for psychotechnics, e.g. for vehicle drivers A61B5/16, A61B5/18

Abstract

A system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, wherein an Internet device presents a visual presentation of a continuous drive through a driving environment having driving hazards, an Internet device records locations viewed by a user within the visual presentation, a computer algorithm that compares the recorded user viewing locations with defined locations of hazards within the visual presentation of the continuous drive, to determine a hazard detection proficiency, a computer memory device comprising at least one minimum hazard detection proficiency criteria corresponding to an insurance discount; and a computer analytics device that compares the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria and determines whether to award the insurance discount to the user.

Claims

1. A system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, the system comprising:

an Internet device that presents to an Internet user a visual presentation on a display device of a continuous drive through a driving environment comprising a hazard module that (a) presents to the Internet user at least one driving scenario that comprises at least one hazard, and (b) defines, for particular driving situations occurring in the at least one driving scenario, one or more anticipatory viewing locations corresponding to each particular driving situation, the anticipatory viewing locations relating to hazards that are not currently displayed by the display device;

an Internet device that records user viewing locations within the visual presentation, the user viewing locations corresponding to locations within the visual presentation that are viewed by the user during the visual presentation of the continuous drive;

a computer analytics device comprising an algorithm configured to;

evaluate the recorded user viewing locations to analyze user anticipation of hazards that are not currently displayed by the display device, including comparing user viewing locations recorded during the visual presentation of each particular driving situation with the one or more predefined anticipatory viewing locations corresponding to that driving situation;

compare the recorded user viewing locations with defined locations of hazards that are currently displayed by the display device to analyze user recognition of the currently-displayed hazards; and

determine a hazard detection proficiency of the user based at least on (a) the analysis of user anticipation of not currently-displayed hazards and (b) the analysis of user recognition of currently-displayed hazards;

a computer memory device comprising at least one minimum hazard detection proficiency criteria corresponding to an insurance discount; and

a computer analytics device that compares the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria and determines whether to award the insurance discount to the user.

2. The system for determining vehicle driver hazard detection proficiency and calculating insurance discounts as claimed in claim 1, wherein the visual presentation is of a continuous driver through at least one driving environment selected from:

neighborhood, beyond your neighborhood, downtown, and highway.

3. The system for determining vehicle driver hazard detection proficiency and calculating insurance discounts as claimed in claim 1, wherein the at least one minimum hazard detection proficiency criteria comprises a minimum percentage of the total number of hazards in the visual presentation.

4. The system for determining vehicle driver hazard detection proficiency and calculating insurance discounts as claimed in claim 1, wherein the visual presentation comprises at least two continuous drives each through different driving environments, wherein the at least one minimum hazard detection proficiency criteria comprises a minimum percentage of hazards detected in each of the at least two continuous drives.

5. The system for determining vehicle driver hazard detection proficiency and calculating insurance discounts as claimed in claim 1, wherein at least one minimum hazard detection proficiency criteria comprises one detected hazard and the comparison of the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria comprises multiplying a total insurance discount by the percent of detected hazards.

6. The system for determining vehicle driver hazard detection proficiency and calculating insurance discounts as claimed in claim 1, wherein analyzing user anticipation of hazards that are not currently displayed by the display device comprises detection and analysis of lateral or vertical visual panning by the user.

7. The system for determining vehicle driver hazard detection proficiency and calculating insurance discounts as claimed in claim 1, wherein analyzing user anticipation of hazards that are not currently displayed by the display device comprises evaluating user viewing locations on the display device with respect to anticipated hazards not currently displayed by the display device.

8. A system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, the system comprising:

an Internet device that presents to an Internet user a visual presentation on a display device of a continuous drive through a driving environment comprising a hazard module that (a) presents to the Internet user at. least one driving scenario that comprises at least one hazard, and (b) defines, for particular driving situations occurring in the at least one driving scenario, one or more anticipatory viewing locations corresponding to each particular driving situation, the anticipatory viewing locations relating to hazards that are not currently displayed by the display device;

an Internet device that records user viewing locations within the visual presentation, the user viewing locations corresponding to locations within the visual presentation that are viewed by the user during the visual presentation of the continuous drive;

a computer analytics device comprising an algorithm configured to;

evaluate the recorded user viewing locations to analyze user anticipation of hazards that are not currently displayed by the display device, including comparing user viewing locations recorded during the visual presentation of each particular driving situation with the one or more predefined anticipatory viewing locations corresponding to that driving situation;

determine a hazard detection proficiency of the user based at least on the analysis of user anticipation of not currently-displayed hazards;

a computer memory device comprising at least one minimum hazard detection proficiency criteria corresponding to an insurance discount; and

a computer analytics device that compares the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria and determines whether to award the insurance discount to the user.

9. The system of claim 8, wherein analyzing user anticipation of hazards that are not currently displayed by the display device comprises detection and analysis of lateral or vertical visual panning by the user.

10. The system of claim 8, wherein analyzing user anticipation of hazards that are not currently displayed by the display device comprises evaluating user viewing locations on the display device with respect to anticipated hazards not currently displayed by the display device.