Method for determining hazard detection proficiency and rating insurance products based on proficiency
First Claim
1. A method for determining vehicle driver hazard detection proficiency and determining an insurance premium or discount, the method comprising:
- receiving, via the internet, at an internet-connected device, a plurality of driving modules corresponding to a plurality of different driving environments;
visually presenting to a driver, via a display device of the internet-connected device, the plurality of driving modules corresponding to the plurality of different driving environments, wherein each driving module defines (a) at least one hazard, (b) first viewing locations relating to hazards that are currently displayed by the display device, and (c) second viewing locations relating to possible hazards that are not currently displayed by the display device;
for each of the plurality of driving modules corresponding to a plurality of different driving environments;
detecting driver viewing locations within the visual presentation, the driver viewing locations corresponding to locations within the visual presentation that are viewed by the driver to detect hazards or possible hazards during the visual presentation, wherein detecting the driver viewing locations comprisesdynamically detecting a viewing location of the driver by an interface device of the internet connected device selected from;
a mouse, a pointing device to click on the display device, and a touchscreen on the display device;
determining, by the processor of the internet-connected device or by a processor of another device connected to the internet-connected device via the internet, a hazard detection proficiency of the driver by;
comparing the detected driver viewing locations with one or more of the first viewing locations for that driving module relating to hazards that are currently displayed by the display device, and one or more second viewing locations for that driving module relating to possible hazards that are not currently displayed by the display device;
determining the hazard detection proficiency of the driver for that driving module by evaluating the comparison of the detected driver viewing locations with one or more of the first and one or more of the second viewing locations; and
calculating an insurance premium or discount based at least in part on the hazard detection proficiency determined for the driver for each of the plurality of driving modules corresponding to the plurality of different driving environments.
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Abstract
A method for determining an insurance premium based at least in part of a vehicle driver'"'"'s proficiency at detecting hazards, having steps including: visually presenting at least one driving module that comprises at least one hazard; recording where within the visual presentation the driver looks to detect hazards during the visual presentation; determining the driver'"'"'s hazard detection proficiency by evaluating whether the driver looked at hazards during the visual presentation; and calculating an insurance premium based at least in part on the driver'"'"'s hazard detection proficiency.
70 Citations
18 Claims
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1. A method for determining vehicle driver hazard detection proficiency and determining an insurance premium or discount, the method comprising:
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receiving, via the internet, at an internet-connected device, a plurality of driving modules corresponding to a plurality of different driving environments; visually presenting to a driver, via a display device of the internet-connected device, the plurality of driving modules corresponding to the plurality of different driving environments, wherein each driving module defines (a) at least one hazard, (b) first viewing locations relating to hazards that are currently displayed by the display device, and (c) second viewing locations relating to possible hazards that are not currently displayed by the display device; for each of the plurality of driving modules corresponding to a plurality of different driving environments; detecting driver viewing locations within the visual presentation, the driver viewing locations corresponding to locations within the visual presentation that are viewed by the driver to detect hazards or possible hazards during the visual presentation, wherein detecting the driver viewing locations comprises dynamically detecting a viewing location of the driver by an interface device of the internet connected device selected from;
a mouse, a pointing device to click on the display device, and a touchscreen on the display device;determining, by the processor of the internet-connected device or by a processor of another device connected to the internet-connected device via the internet, a hazard detection proficiency of the driver by; comparing the detected driver viewing locations with one or more of the first viewing locations for that driving module relating to hazards that are currently displayed by the display device, and one or more second viewing locations for that driving module relating to possible hazards that are not currently displayed by the display device; determining the hazard detection proficiency of the driver for that driving module by evaluating the comparison of the detected driver viewing locations with one or more of the first and one or more of the second viewing locations; and calculating an insurance premium or discount based at least in part on the hazard detection proficiency determined for the driver for each of the plurality of driving modules corresponding to the plurality of different driving environments. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method for determining vehicle driver hazard detection proficiency and determining an insurance premium or discount, the method comprising:
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receiving, via the internet, at an internet-connected device, a hazard module that defines at least one driving scenario that comprises at least one hazard, and defines, for particular driving situations occurring in the at least one driving scenario, one or more anticipatory viewing locations corresponding to each particular driving situation, the anticipatory viewing locations relating to possible hazards that are not currently displayed by the display device; presenting to an internet user, via a display device of the internet-connected device, a visual presentation of the at least one driving scenario defined by the received hazard module; detecting, by the internet-connected device, user viewing locations within the visual presentation, the user viewing locations corresponding to locations within the visual presentation that are viewed by the user during the visual presentation of the drive, wherein detecting the user viewing locations comprises at least one of; dynamically detecting, by a processor of the internet-connected device, a location of a pointer relative to the displayed visual presentation, the pointer location being controlled by via user interaction with a physical interface provided by the internet-connected device; and dynamically detecting a viewing location of the user by an interface device of the internet connected device selected from;
a mouse, a pointing device to click on the display device, and a touchscreen on the display device;executing a hazard detection algorithm, stored in a non-transitory computer-readable medium of the internet-connected device or of another device connected to the internet-connected device via the internet, to; evaluate the detected user viewing locations to analyze user anticipation of hazards that are not currently displayed by the display device, including comparing user viewing locations detected during the visual presentation of each particular driving situation with the one or more predefined anticipatory viewing locations corresponding to that driving situation as defined by the hazard module; and determine a hazard detection proficiency of the user based at least on the analysis of user anticipation of not currently-displayed hazards; and comparing the determined hazard detection proficiency of the user with one or more hazard detection proficiency criteria to determine an insurance premium or insurance discount for the user.
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17. A method for determining vehicle driver hazard detection proficiency and determining an insurance premium or discount, the method comprising:
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receiving, via the internet, at an internet-connected device, a plurality of driving modules corresponding to a plurality of different driving environments; visually presenting to a driver, via a display device of the internet-connected device, the plurality of driving modules corresponding to the plurality of different driving environments, wherein each driving module defines first viewing locations relating to at least one hazard that is displayed by the display device and second viewing locations relating to at least one possible hazard that is not displayed by the display device; for each of the plurality of driving modules corresponding to a plurality of different driving environments, detecting driver viewing locations within the visual presentation by an interface device of the internet connected device selected from;
a mouse, a pointing device to click on the display device, and a touchscreen on the display device, the driver viewing locations corresponding to locations within the visual presentation that are viewed by the driver to detect a hazard or possible hazard during the visual presentation, wherein detecting the driver viewing locations comprises detecting whether the driver timely looks or fixates on a viewing location to identify a hazard or possible hazard;determining, by the processor of the internet-connected device or by a processor of another device connected to the internet-connected device via the internet, a hazard detection proficiency of the driver by; comparing the detected driver viewing locations with one or more of the first viewing locations for that driving module relating to hazards that are currently displayed by the display device, and one or more second viewing locations for that driving module relating to the possible hazard that is not displayed by the display device; and determining the hazard detection proficiency of the driver for that driving module by evaluating the comparison of the detected driver viewing locations with one or more of the first and one or more of the second viewing locations; and calculating an insurance-premium or discount based at least in part on the hazard detection proficiency determined for the driver for each of the plurality of driving modules corresponding to the plurality of different driving environments. - View Dependent Claims (18)
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Specification