Driving trip and pattern analysis

• US 9,141,995 B1
• Filed: 02/19/2013
• Issued: 09/22/2015
• Est. Priority Date: 12/19/2012
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Brinkmann, Margaret A., Kraft, Daniel, Bryer, Nathan M., Huls, Eric, Warden, Thomas M.
• Primary Examiner(s): Nguyen, John Q
• Assistant Examiner(s): ODEH, NADEEM N
• Application Number:
  US13/770,515
• Time in Patent Office: 945 Days
• Field of Search: 701/117, 705/4
• US Class Current: 1/1
• CPC Class Codes: G01S 19/01 Satellite radio beacon positioning systems transmitting time-stamped messages, e.g. GPS [Global Positioning System], GLONASS [Global Orbiting Navigation Satellite System] or GALILEO
• 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

Abstract

A driving analysis server may be configured to receive vehicle location data and/or operation data from one or more vehicle systems, identify driving trips and/or driving patterns based on the vehicle data, determine risk assessment values corresponding to the driving trips and driving patterns, and calculate driver scores based on the analyzed driving trip and driving pattern data. Destination locations may be identified for a vehicle'"'"'s driving trips, and information relating to the destination locations may be retrieved and analyzed to determine risk factors and risk assessment values associated with driving to and from the destination, as well as parking at the destination. Specific driving trip types or purposes may be identified, and driving scores may be calculated based on the vehicle location and time data, including the risk factors, risk assessment values, and the determined trip types or purposes.

Claims

1. A driving analysis server comprising:

a processing unit comprising a processor; and

a memory unit storing computer-executable instructions, which when executed by the processing unit, cause the driving analysis server to;

receive vehicle data from a plurality of sensors arranged on a first vehicle, the vehicle data corresponding to at least a first driving trip by the first vehicle;

perform an analysis of the received vehicle data and determine one or more risk assessment values corresponding to the first driving trip, wherein determining the risk assessment values comprises;

determining a source location of the first driving trip;

determining a first destination of the first driving trip, the first destination being the first destination to which the first vehicle will travel from the determined source location;

determining a first set of risk factors for evaluation based on the determined first destination;

determining one or more driving risk assessment values for risk factors of the first set of risk factors, the one or more driving risk assessment values being associated with driving the first vehicle to or from the first destination during the first driving trip;

determining a second set of risk factors for evaluation based on parking the first vehicle at the first destination, the second set of risk factors being different from the first set of risk factors;

determining one or more parking risk assessment values for risk factors of the second set of risk factors, the one or more parking assessment values being associated with parking the first vehicle at the first destination during the first driving trip;

determining a second destination of the first driving trip;

determining a third set of risk factors for evaluation based on the determined second destination of the first driving trip, the third set of risk factors being different from the first and second sets of risk factors;

determining one or more driving risk assessment values for risk factors of the third set of risk factors, the one or more driving risk assessment values being associated with driving the vehicle to or from the second destination during the first driving trip;

determining one or more parking risk assessment values associated with parking the first vehicle at the second destination during the first driving trip, the parking risk assessment value being based on the second set of risk factors; and

calculate a driver score for the first vehicle or a first driver of the first vehicle, based at least on the driving risk assessment values and the parking risk assessment values corresponding to the first driving trip.

2. The driving analysis server of claim 1, the memory unit storing further computer-executable instructions, which when executed by the processing unit, cause the driving analysis server to:

identify at least one of a business, activity, or property usage associated with the first destination of the first driving trip; and

determine at least one of the driving risk assessment values or the parking risk assessment values based on the business, activity, or property usage associated with the first destination.

3. The driving analysis server of claim 2, wherein determining the driving risk assessment values or the parking risk assessment values comprises:

determining a first driving risk factor associated with driving the first vehicle to or from the first destination, the first driving risk factor based on the business, activity, or property usage associated with the first destination; and

determining a first parking risk factor associated with parking the first vehicle at the first destination, the first parking risk factor based on the business, activity, or property usage associated with the first destination, wherein the first driving risk factor is different from the first parking risk factor.

4. The driving analysis server of claim 3, wherein determining the driving risk assessment values or the parking risk assessment values further comprises:

determining a time duration of the first driving trip to the first destination;

determining a first subset of the time duration of the first driving trip corresponding to driving time;

determining a second subset of the time duration of the first driving trip corresponding to parking time;

determining at least a first driving risk assessment value using the first driving risk factor and the first subset of time duration; and

determining at least a first parking risk assessment value using the first parking risk factor and the second subset of time duration.

5. The driving analysis server of claim 1, wherein determining the one or more driving risk assessment values comprises:

using the vehicle data corresponding to the first driving trip, determining a first driving time corresponding to the first vehicle driving to the first destination; and

determining a driving risk assessment value associated with driving the first vehicle to the first destination at the first driving time.

6. The driving analysis server of claim 5, wherein calculating the risk assessment value associated with driving the first vehicle to the first destination at the first driving time comprises:

receiving weather data or traffic volume data associated with driving the first vehicle to the first destination at the first driving time, wherein calculating the driving risk assessment value associated with driving the first vehicle to the first destination at the first driving time is based on the received weather data or traffic volume data.

7. The driving analysis server of claim 1, wherein determining the one or more parking risk assessment values comprises:

using the vehicle data corresponding to the first driving trip, determining a first parking time corresponding to the first vehicle being parked at the first destination during the first driving trip; and

determining a risk assessment value associated with parking the first vehicle at the first destination at the first parking time.

8. The driving analysis server of claim 1, the memory unit storing further computer-executable instructions, which when executed by the processing unit, cause the driving analysis server to:

determine that the first driving trip corresponds to a first driving trip pattern, using the vehicle data corresponding to the first driving trip; and

retrieve one or more risk assessment values associated with the first driving trip pattern, the one or more risk assessment values based on one or more previous driving trips by the first vehicle corresponding to the first driving trip pattern.

9. The driving analysis server of claim 8, the memory unit storing further computer-executable instructions, which when executed by the processing unit, cause the driving analysis server to:

update the one or more risk assessment values associated with the first driving trip pattern, based on the received vehicle data corresponding to the first driving trip.

10. The driving analysis server of claim 8, the memory unit storing further computer-executable instructions, which when executed by the processing unit, cause the driving analysis server to:

identify a first driving behavior during the first driving trip, based on the received vehicle data;

compare the first driving behavior to previous driving behaviors stored for the one or more previous driving trips corresponding to the first driving trip pattern; and

based on the comparison, determine whether the first driving behavior corresponds to a variation from the previous driving behaviors of the first driving trip pattern.

11. The driving analysis server of claim 1, wherein determining the one or more parking risk assessment values comprises:

determining a duration of time that the first vehicle was parked at the first destination during the first driving trip;

and

calculating the one or more parking risk assessment values based on the second set of risk factors and the duration of time that the first vehicle was parked at the first destination, the second set of risk factors including risk factors associated with parking the vehicle at the first destination.

12. The driving analysis server of claim 11, wherein the one or more parking risk factors comprise at least one of:

a vehicle ticketing risk factor at the first destination, a vehicle towing risk factor at the first destination, a vehicle vandalism risk factor at the first destination, and a vehicle theft risk factor at the first destination.

13. A method comprising:

receiving, from a plurality of sensors arranged on a first vehicle and by a driving analysis server, vehicle data corresponding to at least a first driving trip by the first vehicle;

performing, by the driving analysis server, an analysis of the received vehicle data and determining one or more risk assessment values corresponding to the first driving trip, wherein determining the risk assessment values comprises;

determining a source location of the first driving trip;

determining a first destination of the first driving trip the first destination being the first destination to which the first vehicle will travel from the determined source location;

determining a first set of risk factors for evaluation based on the determined first destination;

determining one or more driving risk assessment values for risk factors of the first set of risk factors, the one or more driving risk assessment values corresponding to driving the first vehicle to or from the first destination during the first driving trip;

determining a second set of risk factors for evaluation based on parking the first vehicle at the first destination, the second set of risk factors being different from the first set of risk factors;

determining one or more parking risk assessment values for risk factors of the second set of risk factors, the one or more parking risk assessment values corresponding to parking the first vehicle at the first destination during the first driving trip;

determining a second destination of the first driving trip;

determining a third set of risk factors for evaluation based on the determined second destination of the first driving trip, the third set of risk factors being different from the first and second sets of risk factors;

determining one or more driving risk assessment values for risk factors of the third set of risk factors, the one or more driving risk assessment values being associated with driving the vehicle to or from the second destination during the first driving trip;

determining one or more parking risk assessment values associated with parking the first vehicle at the second destination during the first driving trip, the parking risk assessment value being based on the second set of risk factors; and

calculating, by the driving analysis server, a driver score for the first vehicle or a first driver of the first vehicle, based on the risk assessment values corresponding to the one or more driving trips.

14. The method of claim 13, wherein further comprising:

identifying at least one of a business, activity, or property usage associated with the first destination of the first driving trip; and

determining at least one of the driving risk assessment values or the parking risk assessment values based on the business, activity, or property usage associated with the first destination.

15. The method of claim 13, further comprising:

determining that the first driving trip corresponds to a first driving trip pattern, using the vehicle data corresponding to the first driving trip; and

retrieving one or more risk assessment values associated with the first driving trip pattern, the one or more risk assessment values based on one or more previous driving trips by the first vehicle corresponding to the first driving trip pattern.

16. A driving analysis system comprising a first vehicle on-board data recording system and a driving analysis server:

wherein the first vehicle on-board data recording system comprises;

one or more vehicle operation sensors configured to record vehicle operation data at the first vehicle;

one or more global positioning system (GPS) devices configured to record location data at the first vehicle; and

one or more telematics devices configured to transmit the vehicle operation data and the location data from the first vehicle to the driving analysis server,

wherein the driving analysis server comprises a processor and a memory unit storing computer-executable instructions, which when executed by the processor, cause the driving analysis server to;

receive vehicle data from the first vehicle on-board data recording system, the vehicle data corresponding to at least a first driving trip by the first vehicle;

perform an analysis of the received vehicle data and determine one or more risk assessment values corresponding to the first driving trip, wherein determining the risk assessment values comprises;

determining a source location of the first driving trip;

determining a first destination of the first driving trip, the first destination being the first destination to which the first vehicle will travel from the determined source location;

determining a first set of risk factors for evaluation based on the determined first destination;

determining one or more driving risk assessment values for risk factors of the first set of risk factors, the one or more driving risk assessment values being associated with driving the first vehicle to or from the first destination during the first driving trip;

determining a second set of risk factors for evaluation based on parking the first vehicle at the first destination, the second set of risk factors being different from the first set of risk factors;

determining one or more parking risk assessment values for risk factors of the second set of risk factors, the one or more parking risk assessment values being associated with parking the first vehicle at the first destination during the first driving trip;

determining a second destination of the first driving trip;

determining a third set of risk factors for evaluation based on the determined second destination of the first driving trip, the third set of risk factors being different from the first and second sets of risk factors;

determining one or more driving risk assessment values for risk factors of the third set of risk factors, the one or more driving risk assessment values being associated with driving the vehicle to or from the second destination during the first driving trip;

determining one or more parking risk assessment values associated with parking the first vehicle at the second destination during the first driving trip, the parking risk assessment value being based on the second set of risk factors; and

calculate a driver score for the first vehicle or a first driver of the first vehicle, based at least on the driving risk assessment values and the parking risk assessment values corresponding to the first driving trip.

17. The driving analysis system of claim 16, the driving analysis server storing additional computer-executable instructions, which when executed by the processor, cause the driving analysis server to:

identify at least one of a business, activity, or property usage associated with the first destination of the first driving trip; and

determine at least one of the driving risk assessment values or the parking risk assessment values based on the business, activity, or property usage associated with the first destination.

18. The driving analysis system of claim 16, the driving analysis server storing additional computer-executable instructions, which when executed by the processor, cause the driving analysis server to:

determine that the first driving trip corresponds to a first driving trip pattern, using the vehicle data corresponding to the first driving trip; and

retrieve one or more risk assessment values associated with the first driving trip pattern, the one or more risk assessment values based on one or more previous driving trips by the first vehicle corresponding to the first driving trip pattern.