System and method to provide vehicle telematics based data on a map display

• US 9,672,571 B2
• Filed: 08/17/2015
• Issued: 06/06/2017
• Est. Priority Date: 05/22/2012
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Fernandes, Steven J., Feero, Steven R.
• Primary Examiner(s): Trivedi, Atul
• Application Number:
  US14/828,241
• Publication Number:
  US 20150363886A1
• Time in Patent Office: 659 Days
• Field of Search: 705 4
• CPC Class Codes: B60W 40/09 Driving style or behaviour
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/00 Registering or indicating the working of vehicles
• CPC Class Codes: G08G 5/0039 Modification of a flight plan

Abstract

A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Claims

1. A system for processing data for display of vehicle-telematics based data on a map display, the system comprising:

one or more non-transitory data storage devices storing data indicative of processed telematics data, wherein said processed telematics data is based on telematics data received from a sensor within a first vehicle, the telematics data comprising location data of the first vehicle and vehicle kinematics data;

one or more computer processors in communication with the one or more data storage devices;

a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to;

identify, based on the stored data indicative of processed telematics data, safety events of the first vehicle involving at least one of speed and deceleration of the first vehicle, and, for each of the safety events involving the first vehicle, locations of the safety events; and

receive data indicative of safety events of other vehicles involving at least one of speed and deceleration of the other vehicles and locations of the safety events based on telematics data received from sensors in the other vehicles, and

a map display associated with the first vehicle that displays a plurality of indications of a plurality of the identified safety events involving the first vehicle, on the map display in accordance with the locations of the safety events involving the first vehicle, comprising safety events occurring on a plurality of trips, and indications of one or more safety events associated with the other vehicles, on the map display in accordance with the locations of the safety events involving the other vehicles.

2. The system of claim 1, wherein the map display associated with the first vehicle comprises a map display on at least one of a mobile telephone, personal digital assistant and personal computer associated with a driver of the first vehicle.

3. The system of claim 1, wherein the sensor within the first vehicle comprises one of a sensor in a smartphone within the vehicle, a sensor mounted on the vehicle, and a sensor that is integrated into a data system of the vehicle.

4. The system of claim 1, wherein the sensor within the first vehicle comprises a Global Navigation Satellite System receiver.

5. The system of claim 4, wherein the location data of the first vehicle comprises latitude and longitude data.

6. The system of claim 1, wherein the sensor within the first vehicle comprises an accelerometer.

7. The system of claim 1, wherein the data indicative of processed telematics data comprises data from a third party data processing service.

8. The system of claim 7, wherein the data indicative of the processed telematics data from the third party data processing service comprises a report that does not provide an identity of the driver or vehicle.

9. The system of claim 1, wherein the safety events further comprise an occurrence of deceleration above a threshold and at least some safety events comprise an occurrence of (i) deceleration above a threshold and (ii) speeding above a threshold.

10. A computerized method for processing data for a map display of safety event data based on vehicle telematics data, the method comprising:

receiving, by one or more computer processors, data indicative of processed telematics data based on telematics data collected from a sensor within a first vehicle, wherein the telematics data includes location information and kinematics data of the first vehicle;

identifying, by the one or more computer processors, based on the data indicative of processed telematics data, safety events of the first vehicle involving one or more of a speed and a deceleration of the first vehicle, and, for each of the safety events involving the first vehicle, a location of the safety event;

receiving, by the one or more computer processors and based on telematics data received from sensors within other vehicles, data indicative of safety events associated with the other vehicles and locations of the safety events, and

displaying, on a map display associated with the first vehicle, indications of a plurality of the identified safety events involving the first vehicle, on the map display in accordance with the locations of the safety events involving the first vehicle, comprising safety events occurring on a plurality of trips, and indications of one or more of the safety events associated with the other vehicles, on the map display in accordance with the locations of the safety events involving the other vehicles.

11. The method of claim 10, wherein the sensor within the first vehicle comprises one of a sensor in a smartphone within the vehicle, a sensor mounted on the vehicle, and a sensor integrated into a data system of the vehicle.

12. The method of claim 10, wherein the data indicative of processed telematics data comprises data from a third party data processing service.

13. The method of claim 12, wherein the data indicative of the processed telematics data comprises a report that does not provide an identity of a driver or vehicle.

14. The method of claim 10, wherein the sensor within the first vehicle comprises a GNSS receiver.

15. The method of claim 10, wherein the displaying on a map display comprises displaying indications of a plurality of safety events involving the first vehicle occurring during a time period of a plurality of days.

16. The method of claim 10, wherein the display on the map display of the indications of safety events further includes a display of a single graphical icon representative of a number of the plurality of safety events that have occurred at one location.

17. The method of claim 16, wherein the single graphical icon representative of a number of safety events comprises one or both of a single graphical icon of a color representative of the number of safety events that have occurred at the location and a single graphical icon displaying a number representative of the number of safety events that have occurred at the location.

18. A system for processing data for displaying vehicle telematics based safety event data on a map display, the system comprising:

one or more non-transitory data storage devices storing data indicative of processed telematics data based on vehicle telematics data received from a sensor within a first vehicle, the telematics data comprising location information of the first vehicle and kinematics data of the first vehicle;

one or more computer processors in communication with the one or more data storage devices;

a communications device in communication with the one or more computer processors and the one or more data storage devices; and

a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to;

identify, based on the stored data indicative of processed telematics data, safety events for the first vehicle involving one or more of a speed and deceleration of the first vehicle, and, for each of the safety events, a location of the safety event;

receive, by the communications device, data indicative of safety events associated with other vehicles and locations of the safety events based on telematics data received from sensors within the other vehicles, and

transmit, by the communications device, a map display to a device associated with the first vehicle including indications of a plurality of the identified safety events involving the first vehicle, on the map display in accordance with the locations of the safety events involving the first vehicle, comprising safety events occurring on a plurality of trips, and indications of one or more safety events associated with the other vehicles, on the map display in accordance with the locations of the safety events involving the other vehicles.

19. The system of claim 18, wherein the sensor within the first vehicle comprises one of a sensor in a smartphone within the vehicle, a sensor mounted on the vehicle, and a sensor integrated into a data system of the vehicle, and wherein the data indicative of processed telematics data comprises data from a third party data processing service.

20. The system of claim 18, wherein the sensor comprises a GNSS receiver, and wherein the vehicle telematics data is further based on data received from an accelerometer located within the first vehicle.