Systems and methods for updating a driving tip model using telematics data

• US 8,935,036 B1
• Filed: 09/06/2013
• Issued: 01/13/2015
• Est. Priority Date: 09/06/2013
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Hayward, Gregory, Christensen, Scott, Dosher, David J., Peng, Jufeng, Messner, William
• Primary Examiner(s): Cheung, Calvin
• Assistant Examiner(s): SHUDY, ANGELINA M
• Application Number:
  US14/019,972
• Time in Patent Office: 494 Days
• Field of Search: 701/29.1, 701/29.3, 705/4
• US Class Current: 701/29.1
• CPC Class Codes: B60W 10/00 Conjoint control of vehicle sub-units of different type or different function for propulsion of purely electrically-propelled vehicles with power supplied within the vehicle B60L50/00 - B60L58/00
• CPC Class Codes: G05B 15/02 electric
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/02 Registering or indicating driving, working, idle, or waiting time only apparatus forming part of taximeters G07B13/00
• CPC Class Codes: G07C 5/08 Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
• CPC Class Codes: G07C 5/0841 Registering performance data recording measured values G01D; information storage G11B
• CPC Class Codes: G08G 1/0112 from the vehicle, e.g. floating car data [FCD]
• CPC Class Codes: G08G 1/0129 for creating historical data or processing based on historical data
• CPC Class Codes: G08G 1/0133 for classifying traffic situation
• CPC Class Codes: G08G 1/017 identifying vehicles G08G1/015, G08G1/054 take precedence
• CPC Class Codes: G08G 1/052 with provision for determining speed or overspeed speed measuring in general G01P
• CPC Class Codes: G08G 1/096716 where the received information does not generate an automatic action on the vehicle control
• CPC Class Codes: G08G 1/096741 where the source of the transmitted information selects which information to transmit to each vehicle
• CPC Class Codes: G08G 1/09675 where a selection from the received information takes place in the vehicle
• CPC Class Codes: G08G 1/096775 where the origin of the information is a central station
• CPC Class Codes: H04W 4/00 Services specially adapted for wireless communication networks; Facilities therefor
• CPC Class Codes: H04W 4/024 Guidance services
• CPC Class Codes: H04W 4/029 Location-based management or tracking services

Abstract

Methods and systems for improving vehicular safety by utilizing a driving tip model are provided. According to embodiments, an analysis server can analyze telematics data associated with operation of one or more vehicles to identify driving tips that may be aimed to mitigate certain risks or warn of various conditions. The analysis server can provide the driving tips to the vehicles and, in response, receive updated telematics data from the vehicles that reflects operation data for the vehicles subsequent to receiving the driving tips. The analysis server can analyze the updated telematics data to associate certain driving tips with certain telematics data and identify effective driving tips and delivery techniques. The analysis server can update the driving tip model accordingly.

Claims

1. A computer implemented method of improving vehicular safety, the method comprising:

receiving (i) a first set of telematics data associated with a first vehicle and (ii) a second set of telematics data associated with a second vehicle;

analyzing, by one or more processors, the first set of telematics data and the second set of telematics data to identify a driving tip associated with a driving tip model;

providing, by the one or more processors, the driving tip (i) to the first vehicle or to a first account associated with the first vehicle, and (ii) to the second vehicle or to a second account associated with the second vehicle;

receiving (i) a first set of updated telematics data from the first vehicle and (ii) a second set of updated telematics data from the second vehicle;

determining, by the one or more processors, a first effectiveness of the driving tip for the first vehicle by comparing the first set of telematics data to the first set of updated telematics data;

determining, by the one or more processors, a second effectiveness of the driving tip for the second vehicle by comparing the second set of telematics data to the second set of updated telematics data;

determining, by the one or more processors, an overall effectiveness of the driving tip based on the first determined effectiveness and the second determined effectiveness; and

updating, by the one or more processors, the driving tip model to reflect the overall effectiveness of the driving tip.

2. The method of claim 1, wherein analyzing the first set of telematics data and the second set of telematics data comprises:

supplementing the first set of telematics data and the second set of telematics data with respective supplemental information associated with the first vehicle and the second vehicle; and

identifying the driving tip based on the supplemented first set of telematics data and the supplemented second set of telematics data.

3. The method of claim 1, wherein analyzing the first set of telematics data and the second set of telematics data comprises:

wherein the driving tip is one of a behavioral-based tip or a trip-based tip.

4. The method of claim 1, wherein providing the driving tip to the first vehicle or to the first account associated with the first vehicle comprises:

detecting a triggering event; and

in response to the detected triggering event, providing the driving tip to the first vehicle or to the first account associated with the first vehicle.

5. The method of claim 4, wherein the triggering event corresponds to one or more of a scheduled time, a pattern identified in the first set of telematics data, or an upcoming condition associated with a route of the first vehicle.

6. The method of claim 1, wherein comparing the first set of telematics data to the first set of updated telematics data comprises:

calculating an elapsed period of time between providing the driving tip to the first vehicle and timing data associated with the first set of updated telematics data.

7. The method of claim 1, wherein comparing the first set of telematics data to the first set of updated telematics data comprises:

examining the first set of telematics data to identify a hazardous risk; and

examining the first set of updated telematics data to determine a mitigation level associated with the hazardous risk.

8. The method of claim 1, wherein receiving the first set of updated telematics data from the first vehicle comprises:

receiving a portion of the first set of updated telematics data from the first vehicle at a first time; and

receiving an additional portion of the first set of updated telematics data from the first vehicle at a second time.

9. The method of claim 1, further comprising:

updating an insurance policy associated with the first vehicle based on the comparison of the first set of telematics data and the first set of updated telematics data.

10. A system for improving vehicular safety, comprising:

a communication module adapted to receive (i) a first set of telematics data from a first vehicle, and (ii) a second set of telematics data from a second vehicle;

a memory adapted to store the first and second sets of telematics data and a driving tip model;

a processor adapted to interface with the communication module and the memory, wherein the processor is configured to execute computer executable instructions stored in the memory to cause the processor to;

analyze the first set of telematics data and the second set of telematics data to identify a driving tip associated with the driving tip model,

provide, via the communication module, the driving tip (i) to the first vehicle or to a first account associated with the first vehicle, and (ii) to the second vehicle or to a second account associated with the second vehicle,

receive (i) a first set of updated telematics data from the first vehicle and (ii) a second set of updated telematics data from the second vehicle via the communication module,

determine a first effectiveness of the driving tip for the first vehicle by comparing the first set of telematics data to the first set of updated telematics data,

determine a second effectiveness of the driving tip for the second vehicle by comparing the second set of telematics data to the second set of updated telematics data,

determine an overall effectiveness of the driving tip based on the first determined effectiveness and the second determined effectiveness, and

update the driving tip model to reflect the overall effectiveness of the driving tip.

11. The system of claim 10, wherein the processor analyzes the first set of telematics data and the second set of telematics data to cause the processor to:

supplement the first set of telematics data and the second set of telematics data with respective supplemental information associated with the first vehicle and the second vehicle, and

identify the driving tip based on the supplemented first set of telematics data and the supplemented second set of telematics data.

12. The system of claim 10, wherein the processor analyzes the first set of telematics data and the second set of telematics data to cause the processor to:

wherein the driving tip is one of a behavioral-based tip or a trip-based tip.

13. The system of claim 10, wherein the processor provides the driving tip to the first vehicle or to the first account associated with the first vehicle to cause the processor to:

detect a triggering event, and

in response to the detected triggering event, provide the driving tip to the first vehicle or to the first account associated with the first vehicle.

14. The system of claim 13, wherein the triggering event corresponds to one or more of a scheduled time, a pattern identified in the first set of telematics data, or an upcoming condition associated with a route of the first vehicle.

15. The system of claim 10, wherein the processor compares the first set of telematics data to the first set of updated telematics data to cause the processor to:

calculate an elapsed period of time between providing the driving tip to the first vehicle and timing data associated with the first set of updated telematics data.

16. The system of claim 10, wherein the processor compares the first set of telematics data to the first set of updated telematics data to cause the processor to:

examine the first set of telematics data to identify a hazardous risk, and

examine the first set of updated telematics data to determine a mitigation level associated with the hazardous risk.

17. The system of claim 10, wherein the processor receives the first set of updated telematics data from the first vehicle to cause the processor to:

receive a portion of the first set of updated telematics data from the first vehicle at a first time, and

receive an additional portion of the first set of updated telematics data from the first vehicle at a second time.

18. The system of claim 10, the processor is configured to execute the computer executable instructions to further cause the processor to:

update an insurance policy associated with the first vehicle based on the comparison of the first set of telematics data and the first set of updated telematics data.