Technology for analyzing previous vehicle usage to identify customer opportunities

Patent metadata

Field	Value
Publication number	US-12198196-B2
Application number	US-201715696868-A
Country	US
Kind code	B2
Filing date	Sep 6, 2017
Priority date	Sep 6, 2017
Publication date	Jan 14, 2025
Grant date	Jan 14, 2025

Abstract

Systems and approaches relate to, inter alia, identifying customer opportunities. The systems and approaches may monitor a plurality of routes traversed by a vehicle. The systems and approaches may then access historical route data for the plurality travel routes. The systems and approaches may further calculate a risk index based on the historical route data, and determine at least one customer opportunity based on the calculated risk index.

First claim

What is claimed is:

1. A computer-implemented method, carried out by one or more processors, the computer-implemented method comprising:
sending, by the one or more processors and via a network, control signals to one or more sensors associated with a vehicle to cause the one or more sensors associated with the vehicle to capture vehicle usage data associated with the vehicle, and wherein the one or more sensors are positioned to determine telematics data including one or more of a speed, a force, a heading, or a direction associated with movements of the vehicle;
receiving, by the one or more processors and via the network, the vehicle usage data from the one or more sensors associated with the vehicle to determine a plurality of routes traversed by the vehicle for a particular time period, wherein the one or more sensors include one or more of: a GPS unit, a digital camera, a video camera, a LIDAR sensor, an ultrasonic sensor, an infrared sensor, an ignition sensor, an odometer, a system clock, a speedometer, a tachometer, an accelerometer, a gyroscope, a compass, a geolocation unit, radar unit, and an inductance sensor;
accessing, by the one or more processors, a database to identify historical data having route and time identifiers that correspond to the plurality of routes traversed by the vehicle and the particular time period, respectively, wherein the historical data includes (i) historical route data associated with a number of non-collision incidents and (ii) claims data associated with a number of collision incidents, wherein the non-collision incidents comprise at least one of a number of traffic citations issued and a number of police reports;
determining, by the one or more processors, that a comparison of the number of collision incidents with the number of non-collision incidents exceeds a predetermined threshold;
assessing, by the one or more processors, that the plurality of routes traversed by the vehicle is hazardous based upon the comparison; and
transmitting, by the one or more processors and to a navigation system associated with the vehicle via the network, a suggested route that avoids the plurality of routes.

2. The computer-implemented method of claim 1 , further comprising generating, by the one or more processors, a modified insurance premium based on at least one customer opportunity.

3. The computer-implemented method of claim 2 , further comprising:
transmitting, via the network, the modified insurance premium to an electronic device associated with a driver of the vehicle.

4. The computer-implemented method of claim 1 , further comprising causing, by the one or more processors, a risk index to be presented at an electronic device associated with a driver of the vehicle.

5. The computer-implemented method of claim 1 , further comprising:
transmitting, by the one or more processors, a virtual alert to an electronic device associated with a driver of the vehicle, via the network, causing the electronic device to display:
a first indication including at least one customer opportunity when the vehicle is determined to have traversed the suggested route; or
a second indication excluding the at least one customer opportunity when the vehicle is determined not to have traversed the suggested route.

6. The computer-implemented method of claim 1 , wherein the one or more sensors are positioned to determine telematics data including one or more of a speed, a force, a heading, or a direction associated with movements of the vehicle.

7. A server comprising:
a memory configured to store non-transitory computer executable instructions; and a processor configured to interface with the memory, wherein the processor is configured to execute the non-transitory computer executable instructions to cause the processor to:
send, via a network, control signals to one or more sensors associated with a vehicle to cause the one or more sensors associated with the vehicle to capture vehicle usage data associated with the vehicle; and wherein the one or more sensors are positioned to determine telematics data including one or more of a speed, a force, a heading, or a direction associated with movements of the vehicle;
receive, via the network, the vehicle usage data from the one or more sensors associated with the vehicle to determine a plurality of routes traversed by the vehicle for a particular time period, wherein the one or more sensors include one or more of: a GPS unit, a digital camera, a video camera, a LIDAR sensor, an ultrasonic sensor, an infrared sensor, an ignition sensor, an odometer, a system clock, a speedometer, a tachometer, an accelerometer, a gyroscope, a compass, a geolocation unit, radar unit, and an inductance sensor;
access a database to identify historical data having route and time identifiers that correspond to the plurality of routes traversed by the vehicle and the particular time period, respectively, wherein the historical data includes (i) historical route data associated with a number of non-collision incidents and (ii) claims data associated with a number of collision incidents, wherein the non-collision incidents comprise at least one of a number of traffic citations issued and a number of police reports; determine that a comparison of the number of collision incidents with the number of non-collision incidents exceeds a predetermined threshold; assess that the plurality of routes traversed by the vehicle is hazardous based upon the comparison; and transmit, to a navigation system associated with the vehicle via the network, a suggested route that avoids the plurality of routes.

8. The server of claim 7 , wherein the processor is further configured to receive a request for an insurance premium for vehicular travel.

9. The server of claim 8 , wherein the processor is further configured to generate a modified insurance premium based on at least one customer opportunity.

10. The server of claim 9 , further comprising:
a transceiver coupled to the processor, the transceiver configured to transmit, via the network, the modified insurance premium to an electronic device associated with a driver of the vehicle.

11. The server of claim 7 , wherein the processor is further configured to execute the non-transitory computer executable instructions to cause the processor to present a risk index at an electronic device associated with a driver of the vehicle.

12. The server of claim 7 , wherein the processor is further configured to:
transmit virtual alert to an electronic device associated with a driver of the vehicle, via the network, causing the electronic device to display:
a first indication including at least one customer opportunity when the vehicle is determined to have traversed the suggested route; or

a second indication excluding the at least one customer opportunity when the vehicle is determined not to have traversed the suggested route.

13. The server of claim 7 , wherein the one or more sensors are positioned to determine telematics data including one or more of a speed, a force, a heading, or a direction associated with movements of the vehicle.

14. A non-transitory computer readable medium containing a set of computer readable instructions, that when executed by a processor configure the processor to:
send, via a network, control signals to one or more sensors associated with a vehicle to cause the one or more sensors associated with the vehicle to capture vehicle usage data associated with the vehicle; and wherein the one or more sensors are positioned to determine telematics data including one or more of a speed, a force, a heading, or a direction associated with movements of the

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Fields Brian Mark
• Williams Aaron
• Gaudin Kristopher Keith

Classifications

• G01C21/3461

  Preferred or disfavoured areas, e.g. dangerous zones, toll or emission zones, intersections, manoeuvre types or segments such as motorways, toll roads or ferries · CPC title

• G06Q40/08 Primary

  Insurance · CPC title