Systems and methods using a mobile device to collect data for insurance premiums

  • US 8,930,229 B2
  • Filed: 06/06/2012
  • Issued: 01/06/2015
  • Est. Priority Date: 06/29/2011
  • Status: Active Grant
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First Claim
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1. A method for collecting and processing vehicle operation data by a mobile device of a user, the method comprising:

  • during a driving session, collecting, by the mobile device of the user, vehicle operation data associated with operation of a vehicle while the vehicle is operating, the vehicle operation data comprising at least one of global positioning system (GPS) data and mobile device position data by one or more integrated sensors or devices in the mobile device;

    during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, an orientation of the mobile device changing relative to the vehicle;

    wherein said step of during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, the orientation of the mobile device changing relative to the vehicle comprises;

    analyzing the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices during the driving session;

    based at least on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining, by the mobile device, changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected;

    adjusting, by the mobile device, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected;

    processing, by the mobile device, the automatically adjusted vehicle operation data; and

    wirelessly transmitting, by the mobile device, the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data.

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