Method and system for providing feedback based on driving behavior

• US 9,665,997 B2
• Filed: 01/08/2013
• Issued: 05/30/2017
• Est. Priority Date: 01/08/2013
• Status: Active Grant

• Current Assignee: Gordon Howard Associates Incorporated
• Original Assignee: Gordon Howard Associates Incorporated
• Inventors: Morgan, Gerald A., Macheca, Christopher M.
• Primary Examiner(s): Lau, Hoi
• Application Number:
  US13/736,468
• Publication Number:
  US 20140191858A1
• Time in Patent Office: 1,603 Days
• Field of Search: 340439, 340575, 340576, 3404255, 340435, 340 561, 340 564, 340 572, 340438, 701 1, 701 4, 701 51, 701 35, 701465, 701 314, 701 327, 701 324, 705 36 R
• CPC Class Codes: G07C 5/0816 Indicating performance data, e.g. occurrence of a malfunction
• CPC Class Codes: G07C 5/0841 Registering performance data recording measured values G01D; information storage G11B
• CPC Class Codes: G09B 9/052 characterised by provision for recording or measuring trainee's performance devices for psychotechnics, e.g. for vehicle drivers A61B5/16, A61B5/18

Abstract

Providing feedback based on driving behavior. At least some of the illustrative embodiments are methods including: determining an indication of driving behavior of a driver, the determining by: identifying the driver in a vehicle; detecting movement of the vehicle; collecting data related to the driving behavior of the driver; and issuing an alert related to the driving behavior of the driver for the purpose of providing feedback related to the driving behavior.

Claims

1. A method comprising:

communicating, by way of a wireless cellular network, between an identification module coupled within a vehicle and an operations center remote from the vehicle;

determining an indication of driving behavior of a driver in the vehicle, the determining by;

detecting, by the identification module, a wireless cellular signal transmitted from a mobile device associated with the driver wherein the mobile device is different from the identification module;

identifying the driver in the vehicle by way of the detected wireless cellular signal;

collecting data, by a monitoring module coupled to the vehicle, related to the driving behavior of the driver;

issuing an alert to a third party, the alert providing the indication of driving behavior of the driver, wherein an interest rate of a vehicle loan currently issued to the driver is adjusted based on the alert.

2. The method of claim 1 further comprising displaying the alert to the driver.

3. The method of claim 2 wherein displaying the alert further comprises displaying the alert by way of at least one selected from the group consisting of:

an alert sent to a smartphone application;

a visual alert sent to a navigation system coupled to the vehicle; and

an alert sent to a heads-up display (HUD) coupled to the vehicle.

4. The method of claim 1 wherein collecting data further comprises collecting at least one selected from the group consisting of:

location of the vehicle;

speed of the vehicle;

acceleration of the vehicle;

deceleration of the vehicle;

turn signal usage of the vehicle; and

seat belt usage of the vehicle.

5. The method of claim 1 further comprising:

receiving, by a Global Positioning Receiver, Global Positioning System signals;

creating, by the Global Positioning Receiver, location information based on the Global Positioning System signals; and

monitoring the movement of the vehicle based, at least in part, on the location information.

6. The method of claim 1 further comprising:

monitoring the movement of the vehicle based on movement detected by a three-axis accelerometer associated with the vehicle.

14. The method of claim 1 further comprising:

receiving information from an individual, corresponding to configuring a set of boundaries, the configuration related to determining the indication of driving behavior and relating to issuing the alert.

17. The method of claim 1 wherein issuing the alert to the third party further comprises issuing the alert to a financing company in real-time as the driver drives.

19. The method of claim 1 wherein a frequency of alerts issued determines at least one selected from the group consisting of:

an interest rate;

a loan premium; and

a deductible amount.

20. The method of claim 1, wherein the operations center is remotely located from the vehicle.

21. The method of claim 1, wherein collecting data related to the driving behavior of the driver comprises collecting data related to at least one selected from the group comprising:

location of the vehicle;

speed of the vehicle;

acceleration of the vehicle;

deceleration of the vehicle;

turn signal usage of the vehicle; and

seat belt usage of the vehicle.

7. A method comprising:

communicating, by way of a wireless cellular network, between an identification module coupled within a vehicle and an operations center remote from the vehicle;

determining an indication of driving behavior of a driver, the determining by;

identifying, by the identification module, the driver in a vehicle by way of a wireless cellular signal transmitted from a mobile device associated with the driver;

detecting movement of the vehicle;

collecting data related to the driving behavior of the driver; and

issuing an alert comprising the indication of driving behavior of the driver,

wherein an interest rate of a vehicle loan currently issued to the driver is adjusted based on the alert.

15. The method of claim 7 further comprising:

receiving information from an individual, corresponding to configuring a set of boundaries, the configuration related to determining the indication of driving behavior and relating to issuing the alert.

8. A system comprising:

an onboard device comprising;

a processor;

a global positioning system receiver coupled to the processor;

a wireless interface coupled to the processor;

a memory coupled to the processor, the memory storing a program that, when executed by the processor, causes the processor to;

identify a driver in a vehicle by way of a wireless cellular signal transmitted from a mobile device associated with the driver, wherein the mobile device is different from the onboard device;

detect a movement of the vehicle;

collect data related to the driving behavior of the driver; and

issue an alert related to the driving behavior of the driver, wherein an interest rate of a vehicle loan currently issued to the driver is adjusted based on the alert.

9. The system of claim 8 wherein when the processor issues the alert, the program further causes the processor to issue the alert to the driver.

10. The system of claim 8 wherein when the processor issues the alert, the program further causes the processor to issue the alert to a third party.

11. The system of claim 8 wherein when the processor collects, the program further causes the processor to collect data related to at least one selected from the group comprising:

location of the vehicle;

speed of the vehicle;

acceleration of the vehicle;

deceleration of the vehicle;

turn signal usage of the vehicle; and

seat belt usage of the vehicle.

12. The method of claim 8 wherein when the processor detects, the program further causes the processor to detect based on Global Positioning System signals received.

13. The method of claim 8 further comprising:

a three-axis accelerometer coupled to the processor;

wherein when the processor detects, the program further causes the processor to detect based on movement detected by the three-axis accelerometer.

16. The system of claim 8 wherein when the processor collects data, the data is collected based on a configuration determined by the driver.

18. A system comprising:

a processor;

a wireless interface coupled to the processor;

a memory coupled to the processor, the memory storing a program that, when executed by the processor, causes the processor to;

receive an identity of a driver from an onboard device coupled to a vehicle;

receive data collected by the onboard device coupled to the vehicle, the data related to the driving behavior of the driver; and

issue an alert to a third party that causes an adjustment to an interest rate of a vehicle loan currently issued to the driver, wherein the alert is based on the data collected related to the driving behavior of the driver.

22. The method of claim 18, wherein receive data collected by the onboard device further comprises data received in real-time as the driver drives.