Risk assessment using portable devices

  • US 9,053,516 B2
  • Filed: 03/25/2014
  • Issued: 06/09/2015
  • Est. Priority Date: 07/15/2013
  • Status: Active Grant
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First Claim
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1. A method of generating risk related information for insurance underwriting or risk assessment using a portable device comprising one or more processors, the method comprising:

  • a. storing on a first non-transitory computer-readable media first information correlating to movement of a vehicle;

    b. executing a movement isolation algorithm on a first processor on at least output information from one or more sensors of the portable device and generating second information, the one or more sensors comprising an accelerometer or an accelerometer and a gyroscope, the second information different from the first information and including information correlating to changes in orientation of the portable device relative to orientation of the vehicle during use of or interaction with the portable device by an operator of the vehicle while operating the vehicle;

    c. executing on a second processor a vehicle operation performance algorithm on at least the first information and the second information, the vehicle operation performance algorithm generating vehicle operation performance information associated with the operator of the vehicle; and

    d. executing on a third processor a risk assessment algorithm on at least the vehicle operation performance information, the risk assessment algorithm generating risk related information associated with the operator of the vehicle.

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