Systems and methods using a mobile device to collect data for insurance premiums

  • US 9,865,018 B2
  • Filed: 01/05/2015
  • Issued: 01/09/2018
  • Est. Priority Date: 06/29/2011
  • Status: Active Grant
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First Claim
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1. A method for collecting and processing driving data by a mobile device of a user, the method comprising:

  • collecting, with the mobile device located inside a vehicle, by a processor of the mobile device, sensor data from one or more sensors integrated in the mobile device;

    determining, by the processor of the mobile device, an orientation of the mobile device relative to the vehicle based at least on the collected sensor data;

    determining, by the processor of the mobile device, that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device;

    in response to determining that the determined orientation of the mobile device relative to the vehicle is not suitable for the collection of driving data by the mobile device, displaying an instruction or notification to the user, via a display device of the mobile device, for adjusting the orientation of the mobile device relative to the vehicle;

    determining, by the processor of the mobile device, that an adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

    in response to determining that the adjusted orientation of the mobile device relative to the vehicle is suitable for the collection of driving data by the mobile device;

    automatically enabling, by the processor of the mobile device, the collection of driving data by the mobile device; and

    with the collection of driving data enabled by the processor of the mobile device, collecting, by the mobile device, driving data during a driving session by;

    collecting sensor data from the one or more sensors integrated in the mobile device;

    determining driving data regarding movements of the vehicle based at least on the collected sensor data;

    monitoring, by the processor of the mobile device, the orientation of the mobile device relative to the vehicle, wherein when a change in the orientation relative to the vehicle is detected;

    automatically compensating the collected sensor data for the changed orientation of the mobile device;

    continue collecting sensor data from the one or more sensors integrated in the mobile device; and

    continue determining driving data regarding movements of the vehicle based at least on the collected sensor data; and

    processing the collected driving data for determining an insurance premium or discount based at least on the collected driving data.

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