Methods using a mobile device to provide data for insurance premiums to a remote computer

  • US 8,930,231 B2
  • Filed: 02/08/2013
  • 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, transmitting, and displaying vehicle-related information by a mobile device, the method comprising:

  • collecting, by the mobile device, vehicle operation data while a vehicle is in operation, the collecting step comprising automatically collecting the vehicle operation data via one or more sensors integrated in the mobile device during a data collection session, the collecting step including;

    beginning to collect the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine start, threshold vehicle engine RPM, and vehicle mobility; and

    stopping collection of the vehicle operation data in response to a triggering event selected from the group consisting of vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility;

    scoring, by the mobile device, via execution of an application stored locally in the mobile device, the driving behavior of a driver by;

    comparing the vehicle operation data collected by the one or more integrated sensors with one or more predefined threshold values;

    identifying one or more notable driving events based on the comparison of the collected vehicle operation data with the one or more predefined threshold values;

    calculating one or more driving scores for the driver based at least on the collected vehicle operation data and the one or more identified notable driving events;

    after calculating the one or more driving scores by the mobile device executing the locally stored application, transmitting, by the mobile device, the calculated one or more driving scores to a remote processing computer for insurance premium analysis;

    receiving, by the mobile device from the remote processing computer, data comprising an insurance premium for the driver; and

    displaying, by the mobile device, the insurance premium for the driver.

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