Systems an methods for managing vehicle operator profiles based on telematics inferences via a telematics marketplace

Patent metadata

Field	Value
Publication number	US-2023115145-A1
Application number	US-202218065827-A
Country	US
Kind code	A1
Filing date	Dec 14, 2022
Priority date	Jul 7, 2020
Publication date	Apr 13, 2023
Grant date	—

Abstract

Method, system, device, and non-transitory computer-readable medium for managing vehicle operator profiles based on telematics inferences via a telematics marketplace. In some examples, a computer-implemented method includes: collecting a plurality of personal data sets continually; collecting a plurality of sensor data sets continually via one or more sensing modules; for each vehicle operator of the plurality of vehicle operators: generating and continually updating an operator profile including the personal data set; determining and continually updating one or more telematics inferences based at least in part upon the sensor data set; generating and continually updating a data profile including the one or more telematics inferences; and listing and continually updating the data profile onto a telematics marketplace to be accessible by a plurality of marketplace participants; receiving an information request for a target operator profile associated with a target data profile; and transmitting the target operator profile.

First claim

What is claimed is:

1 . A computer-implemented method for data management, the computer-implemented method comprising:
collecting a plurality of personal data sets associated with a plurality of vehicle operators continually; collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules; for each vehicle operator of the plurality of vehicle operators:
generating and continually updating an operator profile including the personal data set associated with the vehicle operator;
determining and continually updating one or more telematics inferences based at least in part upon the sensor data set associated with the vehicle operator;
generating and continually updating a data profile including the one or more telematics inferences associated with the vehicle operator; and
listing and continually updating the data profile onto a telematics marketplace to be accessible by a plurality of marketplace participants;
receiving, from a requesting party of the plurality of marketplace participants, an information request for a target operator profile associated with a target data profile selected from the listed data profiles of the plurality of vehicle operators; and transmitting, in response to the information request, the target operator profile to the requesting party.

2 . The computer-implemented method of claim 1 , wherein, the determining and continually updating one or more telematics inferences includes:
determining and continually updating a predicted profitability based at least in part upon the associated continually received personal data set and the associated continually received sensor data set

3 . The computer-implemented method of claim 2 , wherein, the determining and continually updating the predicted profitability includes:
determining and continually updating the predicted profitability using a predictive model having a plurality of weights and biases that correspond to the importance of each type of sensor data in the determination of the predicted profitability.

4 . The computer-implemented method of claim 2 , wherein, the determining and continually updating the predicted profitability includes:
determining and continually updating a predicted costs and a predicted revenue based at least in part upon the associated continually received personal data set and the associated continually received sensor data set

5 . The computer-implemented method of claim 1 , wherein:
the one or more sensing modules includes a common module used by a plurality of mobile applications; the common module is a software module or a common hardware module; and each vehicle operator uses at least one mobile application of the plurality of mobile applications.

6 . The computer-implemented method of claim 5 , wherein, the plurality of mobile applications includes a system software application, an entertainment software application, a gaming software application, a navigation software application, or an environment software application.

7 . The computer-implemented method of claim 1 , wherein, the plurality of marketplace participants includes an insurance company, a car rental company, a vehicle manufacturing company, an autonomous driving firm, a shared ride company, a housing firm, a bank, or a government agency

8 . The computer-implemented method of claim 1 , wherein, the one or more telematics inferences includes a profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs score, a predicted retention score, or a payment reliability score.

9 . The computer-implemented method of claim 1 , wherein, the personal data set includes vehicle operator-answered questionnaire data, application-usage data, device-usage data, internet-browsing data, or government data.

10 . A computing system for data management, the computing system comprising:
one or more processors; and a memory storing instructions that, upon execution by the one or more processors, cause the computing system to perform one or more processes including:
collecting a plurality of personal data sets associated with a plurality of vehicle operators continually;
collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules;
for each vehicle operator of the plurality of vehicle operators:
generating and continually updating an operator profile including the personal data set associated with the vehicle operator,
determining and continually updating one or more telematics inferences based at least in part upon the sensor data set associated with the vehicle operator,
generating and continually updating a data profile including the one or more telematics inferences associated with the vehicle operator; and
listing and continually updating the data profile onto a telematics marketplace to be accessible by a plurality of marketplace participants;

receiving, from a requesting party of the plurality of marketplace participants, an information request for a target operator profile associated with a target data profile selected from the listed data profiles of the plurality of vehicle operators; and
transmitting, in response to the information request, the target operator profile to the requesting party

11 . The computer system of claim 10 , wherein, the determining and continually updating one or more telematics inferences includes:
determining and continually updating a predicted profitability based at least in part upon the associated continually received personal data set and the associated continually received sensor data set.

12 . The computer system of claim 11 , wherein, the determining and continually updating the predicted profitability includes:
determining and continually updating the predicted profitability using a predictive model having a plurality of weights and biases that correspond to the importance of each type of sensor data in the determination of the predicted profitability.

13 . The computer system of claim 11 , wherein, the determining and continually updating the predicted profitability includes:
determining and continually updating a predicted costs and a predicted revenue based at least in part upon the associated continually received personal data set and the associated continually received sensor data set.

14 . The computer system of claim 10 , wherein:
the one or more sensing modules includes a common module used by a plurality of mobile applications; the common module is a software module or a common hardware module; and each vehicle operator uses at least one mobile application of the plurality of mobile applications.

15 . The computer system of claim 14 , wherein, the plurality of mobile applications includes a system software application, an entertainment software application, a gaming software application, a navigation software application, or an environment software application.

16 . The computer system of claim 10 , wherein, the plurality of marketplace participants includes an insurance company, a car rental company, a vehicle manufacturing company, an autonomous driving firm, a shared ride company, a housing firm, a bank, or a government agency.

17 . The computer system of claim 10 , wherein, the one or more telematics inferences includes a profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic s

Assignees

• Blueowl Llc

Inventors

• Sanchez Kenneth Jason

Classifications

• G06F21/6245

  Protecting personal data, e.g. for financial or medical purposes · CPC title

• G06Q30/0631

  Recommending goods or services · CPC title

• G06Q30/0201

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

• G06F11/3013

  where the computing system is an embedded system, i.e. a combination of hardware and software dedicated to perform a certain function in mobile devices, printers, automotive or aircraft systems (testing or monitoring of control systems or parts thereof G05B23/02) · CPC title

• G06Q30/08 Primary

  Auctions · CPC title