Systems and methods for environmental analysis based upon vehicle sensor data

Patent metadata

Field	Value
Publication number	US-11869094-B2
Application number	US-202217830155-A
Country	US
Kind code	B2
Filing date	Jun 1, 2022
Priority date	Jun 23, 2016
Publication date	Jan 9, 2024
Grant date	Jan 9, 2024

Abstract

A system for analyzing the environment of a vehicle i) receives a plurality of data from at least one sensor associated with a vehicle, such that the plurality of data includes at least one environmental condition at a location; (ii) analyzes the plurality of data to determine the at least one environmental condition at the location; (iii) determines a condition of a building at the location based upon the at least one environmental condition; (iv) determines an insurance product for the building based upon the determined condition associated with the building; and (v) generates an insurance quote for the insurance product. As a result, the speed and accuracy of insurance providers learning about potential clients and the conditions of the potential client's property and needs is increased.

First claim

We claim:

1. A computer system for analyzing the environment of a vehicle, the computer system including at least one processor in communication with at least one memory device, the at least one processor is programmed to:
receive a plurality of data from a plurality of sensors associated with a plurality of vehicles, wherein the plurality of data includes location data from a Global Positioning System (GPS), wherein the plurality of data includes at least one environmental condition at a location, wherein each sensor of the plurality of sensors receives the plurality of data while the corresponding vehicle travels past the location at a plurality of separate points in time;
analyze the plurality of data to determine the at least one environmental condition at the location;
determine a condition of a building at the location based upon the at least one environmental condition;
determine an actionable item based upon the determined condition associated with the building;
determine at least one service provider based upon the actionable item, wherein the at least one service provider is configured to address the actionable item based upon the determined condition; and
automatically generate and transmit a notification to one or more computer systems associated with the at least one service provider, wherein the notification includes the actionable item.

2. The computer system of claim 1 , wherein the plurality of data includes a plurality of location data and plurality of sensor readings, and wherein each sensor reading is associated with a location of a plurality of locations.

3. The computer system of claim 2 , wherein the processor is further programmed to determine a location associated with the at least one environmental condition based upon the plurality of data.

4. The computer system of claim 3 , wherein the processor is further configured to determine a user account associated with the determined location.

5. The computer system of claim 4 , wherein the at least one service provider is configured to transmit a message to the user account.

6. The computer system of claim 5 , wherein the at least one service provider is configured to transmit an advertisement associated with the actionable item.

7. The computer system of claim 1 , wherein the condition of a building further includes at least one of a condition of vegetation, a condition of a public thoroughfare, and a weather condition.

8. The computer system of claim 1 , wherein the processor is further configured to:
store a plurality of historical sensor data; and
compare the plurality of historical sensor data to determine the at least one environmental condition.

9. The computer system of claim 1 , wherein the at least one service provider repairs or corrects the environmental condition.

10. A computer-based method for analyzing the environment of a vehicle, the method implemented on an environment monitoring (“EM”) server including at least one processor in communication with at least one memory device, the method comprising:
receiving, at the EM server, a plurality of data from a plurality of sensors associated with a plurality of vehicles, wherein the plurality of data includes location data from a Global Positioning System (GPS), wherein the plurality of data includes at least one environmental condition at a location, wherein each sensor of the plurality of sensors receives the plurality of data while the corresponding vehicle travels past the location at a plurality of separate points in time;
analyzing, by the EM server, the plurality of data to determine the at least one environmental condition at the location;
determining, by the EM server, a condition of a building at the location based upon the at least one environmental condition;
determining an actionable item based upon the determined condition associated with the building;
determining at least one service provider based upon the actionable item, wherein the at least one service provider is configured to address the actionable item based upon the determined condition; and
automatically generating and transmitting a notification to one or more computer systems associated with the at least one service provider, wherein the notification includes the actionable item.

11. The computer-based method of claim 10 , wherein the plurality of data includes a plurality of location data and plurality of sensor readings, and wherein each sensor reading is associated with a location of a plurality of locations.

12. The computer-based method of claim 11 further comprising:
determining a location associated with the at least one environmental condition based upon the plurality of data; and
determining a user account associated with the determined location.

13. The computer-based method of claim 12 , wherein the at least one service provider is configured to transmit a message to the user account.

14. The computer-based method of claim 13 , wherein the at least one service provider is configured to transmit an advertisement associated with the actionable item.

15. The computer-based method of claim 10 , wherein the condition of a building further includes at least one of a condition of vegetation, a condition of a public thoroughfare, and a weather condition.

16. The computer-based method of claim 10 further comprising:
storing a plurality of historical sensor data; and
comparing the plurality of historical sensor data to determine the at least one environmental condition.

17. At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:
receive a plurality of data from a plurality of sensors associated with a plurality of vehicles, wherein the plurality of data includes location data from a Global Positioning System (GPS), wherein the plurality of data includes at least one environmental condition at a location, wherein each sensor of the plurality of sensors receives the plurality of data while the corresponding vehicle travels past the location at a plurality of separate points in time;
analyze the plurality of data to determine the at least one environmental condition at the location;
determine a condition of a building at the location based upon the at least one environmental condition;
determine an actionable item based upon the determined condition associated with the building;
determine at least one service provider based upon the actionable item, wherein the at least one service provider is configured to address the actionable item based upon the determined condition; and
automatically generate and transmit a notification to one or more computer systems associated with the at least one service provider, wherein the notification includes the actionable item.

18. The computer-readable storage media of claim 17 , wherein the plurality of data includes a plurality of location data and plurality of sensor readings, wherein each sensor reading is associated with a location of the plurality of locations, and wherein the computer-executable instructions further cause the processor to determine a location associated with the at least one environmental condition based upon a plurality of data.

19. The computer-readable storage media of claim 18 , wherein the computer-executable instructions further cause the processor to determine a user account associated with the determined location, wherein the at least one service provider is configured to

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Tofte Nathan
• Nave Cole

Classifications

• G06Q40/08 Primary

  Insurance · CPC title

• B60W10/20

  including control of steering systems · CPC title

• B60W10/30

  including control of auxiliary equipment, e.g. air-conditioning compressors or oil pumps · CPC title

• B60W30/085

  Taking automatic action to adjust vehicle attitude in preparation for collision, e.g. braking for nose dropping · CPC title

• G06Q30/0201

  Market modelling; Market analysis; Collecting market data · CPC title