Facilitating safer vehicle travel utilizing telematics data

Patent metadata

Field	Value
Publication number	US-10042364-B1
Application number	US-201815860841-A
Country	US
Kind code	B1
Filing date	Jan 3, 2018
Priority date	Jan 20, 2015
Publication date	Aug 7, 2018
Grant date	Aug 7, 2018

Abstract

Various devices are described, which are configured to use telematics data from one driver to facilitate safer vehicle travel for another driver. A remote server may include (1) a communication unit configured to receive a broadcast including telematics data generated and transmitted from a first mobile device or smart vehicle; and (2) a processor configured to determine (i) a travel event; (ii) a GPS location of the travel event; and/or (iii) an estimated or actual geographical or temporal scope of the travel event from computer analysis of the telematics data. The remote server may transmit a travel event-related wireless communication to a second mobile device or smart vehicle to facilitate safer vehicle travel for a second driver or vehicle based upon the telematics data associated with the first driver/vehicle. Insurance discounts may be provided for individuals or vehicles based upon having or using the risk mitigation or prevention functionality.

First claim

What is claimed:

1. A remote server configured to use telematics data associated with a first vehicle to facilitate safer vehicle travel for a second vehicle, the remote server comprising:
a communication unit configured to receive telematics data that is (i) sampled by one or more sensors that are incorporated as part of a first computing device, and (ii) generated when the one or more sensors indicate that the first computing device, which is associated with a first driver, is stationary with respect to the first vehicle and is located within the first vehicle; and
a processor configured to (i) identify a travel event, and (ii) generate a travel event-related data transmission indicative of information associated with the travel event based upon an analysis of the telematics data,
wherein the communication unit is further configured to transmit the travel event-related data transmission to a second computing device or the second vehicle, which is associated with a second driver, when the travel event is relevant to the second computing device or the second vehicle, to thereby cause at least one of the second computing device or the second vehicle to
(1) at least one of
(i) provide, via the second computing device, a graphical user interface (GUI) including a display of
(a) an indication of a description of the travel event, the indication of the description of the travel event including at least one of a text indication of the description or a graphical indication of the description, and
(b) an indication of a location of the travel event, the indication of the location of the travel event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the location, or

(ii) direct at least one other preventive or corrective action that affects driving of the second vehicle, and

(2) display insurance policy pricing adjustment information associated with the second vehicle that is based upon a driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information,

wherein the processor is further configured to determine whether the travel event is relevant to the second computing device or the second vehicle associated with the second driver based upon whether the location of the travel event, as determined based upon the telematics data, is within a threshold distance of a current location of the second computing device or the second vehicle,
wherein the telematics data is indicative of acceleration, braking, cornering, and a location of the first vehicle.

2. The remote server of claim 1 , wherein the processor is further configured to determine that the travel event is relevant to the second computing device or the second vehicle associated with the second driver when the travel event is located on a same road as that of the second computing device or the second vehicle.

3. The remote server of claim 1 , wherein the telematics data indicates that the first vehicle is experiencing one or more of high traffic conditions, congestion, road construction, and extreme weather conditions.

4. The remote server of claim 1 , wherein the telematics data is indicative of one or more of Global Positioning System (GPS) speed, GPS location, lane information associated with the first vehicle, time, turning associated with the first vehicle, GPS latitude and longitude, battery level associated with the first vehicle, and telephone usage information associated the first vehicle.

5. The remote server of claim 1 , wherein the communication unit is further configured to relay the telematics data to smart infrastructure.

6. The remote server of claim 1 , wherein the communication unit is configured to transmit the travel event-related data transmission to the second computing device or the second vehicle to thereby cause the at least one of the second computing device or the second vehicle to (i) generate an alternate travel route that avoids the location of the travel event, and (ii) present the alternate travel route via the GUI.

7. The remote server of claim 1 , wherein the second vehicle is an autonomous vehicle, and wherein the communication unit is configured to transmit the travel event-related data transmission to the second computing device or the second vehicle to thereby cause the second vehicle to autonomously follow an alternate travel route that avoids the location of the travel event.

8. A smart infrastructure component configured to use telematics data from a first vehicle to facilitate safer travel for a second vehicle, the smart infrastructure component comprising:
a communication unit configured to receive telematics data that is (i) sampled by one or more sensors that are incorporated as part of a first computing device, and (ii) generated when the one or more sensors indicate that the first computing device, which is associated with a first driver, is stationary with respect to the first vehicle and is located within the first vehicle; and
a processor configured to (i) identify a travel event, and (ii) generate a travel event-related data transmission indicative of information associated with the travel event based upon an analysis of the telematics data,
wherein the communication unit is further configured to transmit the travel event-related data transmission to a second computing device or the second vehicle, which is associated with a second driver, when the travel event is relevant to the second computing device or the second vehicle, to thereby cause at least one of the second computing device or the second vehicle to
(1) at least one of
(i) provide, via the second computing device, a graphical user interface (GUI) including a display of
(a) an indication of a description of the travel event, the indication of the description of the travel event including at least one of a text indication of the description or a graphical indication of the description, and
(b) an indication of a location of the travel event, the indication of the location of the travel event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the location, or

(ii) direct at least one other preventive or corrective action that affects driving of the second vehicle, and

(2) display insurance policy pricing adjustment information associated with the second vehicle that is based upon a driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information,

wherein the processor is further configured to determine whether the travel event is relevant to the second computing device or the second vehicle associated with the second driver based upon whether the location of the travel event, as determined based upon the telematics data, is within a threshold distance of a current location of the second computing device or the second vehicle,
wherein the telematics data is indicative of acceleration, braking, cornering, and a location of the first vehicle.

9. The smart infrastructure component of claim 8 , wherein the processor is further configured to determine that the travel event is relevant to the second computing device or the second vehicle associated with the second driver when the travel event is located on a same road as that of the second computing device or the second vehicle.

10. The smart infrastructure component of claim 8 , wherein the telematics data indicates that the first vehicle is experiencing one or more of high traffic conditions, congestion, road construction, and extreme wea

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Hayward Gregory L

Classifications

• B60W40/10

  related to vehicle motion · CPC title

• B60W50/14

  Means for informing the driver, warning the driver or prompting a driver intervention · CPC title

• G08G1/096783

  where the origin of the information is a roadside individual element · CPC title

• G08G1/0965

  responding to signals from another vehicle, e.g. emergency vehicle · CPC title

• G08G1/0112

  from the vehicle, e.g. floating car data [FCD] · CPC title