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

• US 9,607,450 B1
• Filed: 09/21/2016
• Issued: 03/28/2017
• 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: Christensen, Scott, Dosher, David J., Peng, Jufeng, Hayward, Gregory, Messner, William
• Primary Examiner(s): Jabr, Fadey
• Assistant Examiner(s): Shudy, Angelina
• Application Number:
  US15/272,073
• Time in Patent Office: 188 Days
• Field of Search: 701/29.1
• US Class Current: 1/1
• 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, via a network, a set of telematics data associated with a vehicle operated by a vehicle operator, the vehicle operator having a set of demographics, the set of telematics data received during operation of the vehicle;

analyzing, by one or more processors, the set of telematics data to (i) identify a hazardous risk, and (ii) identify, from a driving tip model, a driving tip that is associated with the set of telematics data;

detecting a triggering event associated with the vehicle;

in response to detecting the triggering event, providing, by the one or more processors, the driving tip to the vehicle or to an account associated with the vehicle;

immediately after providing the driving tip to the vehicle, receiving, via the network, a set of updated telematics data from the vehicle;

determining, by the one or more processors, an effectiveness of the driving tip by examining the set of updated telematics data to determine a mitigation level corresponding to how effectively the vehicle operator mitigated the hazardous risk after receiving the driving tip;

updating, by the one or more processors, the driving tip model to associate the effectiveness of the driving tip with the set of demographics of the vehicle operator, wherein the driving tip model further associates an additional effectiveness of the driving tip with a different set of demographics of an additional vehicle operator;

determining, by the one or more processors, an overall effectiveness of the driving tip based on the effectiveness of the driving tip and the additional effectiveness of the driving tip; 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 set of telematics data comprises:

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

identifying the driving tip based on the set of telematics data that was supplemented.

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

analyzing the set of telematics data to identify the driving tip from the driving tip model, wherein the driving tip is one of a behavioral-based tip or a trip-based tip.

4. The method of claim 1, wherein detecting the triggering event comprises:

detecting at least one of;

a scheduled time, a pattern identified in the set of telematics data, and an upcoming condition associated with a route of the vehicle.

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

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

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

6. The method of claim 1, further comprising:

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

7. The method of claim 1, wherein determining the effectiveness of the driving tip is further by:

calculating timing data based on (i) a first elapsed time between when the driving tip is provided and when the hazardous risk will be encountered and (ii) a second elapsed time between when the driving tip is provided and when the set of updated telematics data is received.

8. The method of claim 7, wherein updating the driving tip model to reflect the overall effectiveness of the driving tip comprises:

associating the timing data with the driving tip.

9. The method of claim 1, further comprising:

after determining the effectiveness of the driving tip, providing a message to the vehicle.

10. The method of claim 1, wherein examining the set of updated telematics data to determine the mitigation level comprises:

determining that providing the driving tip reduced a risk of accident.

11. A system for improving vehicular safety, comprising:

a communication module adapted to receive, via a network, a set of telematics data from a vehicle operated by a vehicle operator, the vehicle operator having a set of demographics, the set of telematics data received during operation of the vehicle;

a memory adapted to store the set of telematics data and a driving tip model; and

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 set of telematics data to (i) identify a hazardous risk, and (ii) identify, from the driving tip model, a driving tip that is associated with the set of telematics data,

detect a triggering event associated with the vehicle,

in response to detecting the triggering event, provide, via the communication module, the driving tip to the vehicle or to an account associated with the vehicle,

immediately after providing the driving tip to the vehicle, receive, via the network, a set of updated telematics data from the vehicle via the communication module,

determine an effectiveness of the driving tip by examining the set of updated telematics data to determine a mitigation level corresponding to how effectively the vehicle operator mitigated the hazardous risk after receiving the driving tip, and

update the driving tip model to associate the effectiveness of the driving tip with the set of demographics of the vehicle operator, wherein the driving tip model further associates an additional effectiveness of the driving tip with a different set of demographics of an additional vehicle operator.

12. The system of claim 11, wherein to analyze the set of telematics data, the processor is configured to:

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

identify the driving tip based on the set of telematics data that was supplemented.

13. The system of claim 11, wherein the driving tip is one of a behavioral-based tip or a trip-based tip.

14. The system of claim 11, wherein to detect the triggering event, the processor is configured to:

detect at least one of;

a scheduled time, a pattern identified in the set of telematics data, and an upcoming condition associated with a route of the vehicle.

15. The system of claim 11, wherein to receive the set of updated telematics data from the vehicle, the processor is configured to:

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

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

16. The system of claim 11, wherein the processor is further configured to:

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

17. The system of claim 11, wherein the processor determines the effectiveness of the driving tip further by calculating timing data based on (i) a first elapsed time between when the driving tip is provided and when the hazardous risk will be encountered and (ii) a second elapsed time between when the driving tip is provided and when the set of updated telematics data is received.

18. The system of claim 17, wherein to update the driving tip model to reflect the overall effectiveness of the driving tip, the processor is configured to:

associate the timing data with the driving tip.

19. The system of claim 11, wherein the processor is further configured to:

after determining the effectiveness of the driving tip, provide a message to the vehicle.

20. The system of claim 11, wherein the processor determines the effectiveness of the driving tip further by determining that providing the driving tip reduced a risk of accident.