Systems and methods for managing and processing vehicle operator accounts based on vehicle operation data

Patent metadata

Field	Value
Publication number	US-11301890-B2
Application number	US-202017039875-A
Country	US
Kind code	B2
Filing date	Sep 30, 2020
Priority date	Sep 2, 2015
Publication date	Apr 12, 2022
Grant date	Apr 12, 2022

Abstract

Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.

First claim

The invention claimed is:

1. A system to assess vehicle operator performance, comprising:
one or more sensors configured to track operation of a vehicle by a driver, wherein the driver has a cumulative driver rating reflective of at least one prior performance by the driver during at least one prior temporary association with the vehicle;
one or more processors communicatively coupled to the one or more sensors, wherein the one or more processors are configured to:
collect, from the one or more sensors, vehicle operational data having a temporary association with the vehicle;
identify, from the vehicle operational data, a driving event;
calculate, based on the vehicle operational data and the driving event, a quantitative driving score for a trip;
adjust the cumulative driver rating for the driver to reflect the quantitative driving score; and
determine that the driver qualifies for a reward when the cumulative driver rating has maintained at least a threshold rating over a course of the temporary association and the at least one prior temporary association.

2. The system of claim 1 wherein:
the temporary association is created by enabling the driver to log into an application executing on the one or more processors.

3. The system of claim 1 , wherein the one or more processors are included in a computing device, and wherein the computing device comprises one of a smartphone or an onboard telematics platform of the vehicle.

4. The system of claim 1 , wherein the one or more processors is further configured to display a discount based on the quantitative driving score for the trip.

5. The system of claim 1 , wherein:
the temporary association is created by detecting the driver via biometrics.

6. A method to assess vehicle operator performance, comprising:
collecting, by one or more processors and from one or more sensors, vehicle operational data having a temporary association with a vehicle,
tracking, by the one or more processors and from the vehicle operational data, operation of the vehicle by a driver, wherein the driver has a cumulative driver rating reflective of at least one prior performance by the driver during at least one prior temporary association with the vehicle;
identifying, by the one or more processors and from the vehicle operational data, a driving event;
calculating, by the one or more processors and based on the vehicle operational data and the driving event, a quantitative driving score for a trip;
adjusting, by the one or more processors, the cumulative driver rating for the driver to reflect the quantitative driving score; and
determining, by the one or more processors, that the driver qualifies for a reward when the cumulative driver rating has maintained at least a threshold rating over a course of the temporary association and the at least one prior temporary association.

7. The method of claim 6 , wherein:
the method further comprises creating the temporary association by enabling the driver to log into an application executing on the one or more processors.

8. The method of claim 6 , wherein the one or more processors are included in a computing device, and wherein the computing device comprises one of a smartphone or an onboard telematics platform of the vehicle.

9. The method of claim 6 , further comprising displaying the quantitative driving score for the trip.

10. The method of claim 6 , wherein:
the method further comprises creating the temporary association by detecting the driver via biometrics.

11. A non-transitory computer-readable storage medium instructions that, when executed by one or more processors, cause the one or more processors to:
receive, from one or more sensors, vehicle operational data having a temporary association with a vehicle;
track, from the vehicle operational data, operation of the vehicle by a driver, wherein the driver has a cumulative driver rating reflective of at least one prior performance by the driver during at least one prior temporary association with the vehicle;
identify a driving event from the vehicle operational data;
calculate a quantitative driving score for a trip based on the vehicle operational data and the driving event;
adjust the cumulative driver rating for the driver to reflect the quantitative driving score; and
determine that the driver qualifies for a reward when the cumulative driver rating has maintained at least a threshold rating over a course of the temporary association and the at least one prior temporary association.

12. The non-transitory computer-readable storage medium of claim 11 , wherein:
the temporary association is created by enabling the driver to log into an application executing on the one or more processors.

13. The non-transitory computer-readable storage medium of claim 11 , wherein the one or more processors are included in a computing device, and wherein the computing device comprises one of a smartphone or an onboard telematics platform of the vehicle.

14. The non-transitory computer-readable storage medium of claim 11 , wherein the instructions, when executed, further cause the one or more processors to display a discount based on the quantitative driving score for the trip.

15. The system of claim 1 , wherein the driving event includes at least one of a hard brake, acceleration, a hard turn, a swerve, speeding, a hard acceleration, or contact with another vehicle.

16. The method of claim 6 , wherein the driving event includes at least one of a hard brake, acceleration, a hard turn, a swerve, speeding, a hard acceleration, or contact with another vehicle.

17. The non-transitory computer-readable storage medium of claim 11 , wherein the driving event includes at least one of a hard brake, acceleration, a hard turn, a swerve, speeding, a hard acceleration, or contact with another vehicle.

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Cote Kerry
• Baker Nicholas R
• Clauss Mark E
• Binion Todd
• Rhoades Andrea Lee
• Balbach Steve J
• Fields Brian Mark
• Pott Kyle

Classifications

• G06Q40/08 Primary

  Insurance · CPC title

• B60W40/09

  Driving style or behaviour · CPC title

• B60W2556/10

  Historical data · CPC title

• B60W2556/45

  External transmission of data to or from the vehicle · CPC title

• B60W2540/043

  Identity of occupants · CPC title