Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data

Patent metadata

Field	Value
Publication number	US-9779458-B2
Application number	US-201414203349-A
Country	US
Kind code	B2
Filing date	Mar 10, 2014
Priority date	Mar 10, 2013
Publication date	Oct 3, 2017
Grant date	Oct 3, 2017

Abstract

The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.

First claim

What is claimed is:

1. A computer implemented method for automatically generating insurance policy related data, the method comprising:
receiving, by one or more processors associated with a server, vehicle operator identity data representative of each of a plurality of vehicle operators, the vehicle operator identity data including (i) data representative of one or more identifiable physical aspects of each of the plurality of vehicle operators, and (ii) an image of each of the plurality of vehicle operators;
determining, by the one or more processors associated with the server, an identity of each of the plurality of vehicle operators based on the vehicle operator identity data;
changing, by one or more processors associated with a vehicle module installed in a vehicle, a state of the vehicle to (i) prevent vehicle operators from among the plurality of vehicle operators from operating the vehicle when the determined identity of a respective vehicle operator does not match any vehicle operators that are insured to operate the vehicle based upon known vehicle operator identity data, or (ii) enable vehicle operators from among the plurality of vehicle operators to operate the vehicle when the determined identity of a respective vehicle operator matches at least one vehicle operator that is insured to operate the vehicle based upon the known vehicle operator identity data;
receiving, by the one or more processors associated with the server, vehicle operation data representative of operation of a vehicle by each of the plurality of vehicle operators who are enabled to operate the vehicle and including one or more images of the inside of the vehicle that indicate, upon performing an image analysis, whether each of the plurality of vehicle operators who are enabled to operate the vehicle were driving with one or more passengers;
wherein each of the vehicle operator identity data and the vehicle operation data is based at least partially on vehicle sensor data;
correlating, by the one or more processors associated with the server, the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to the vehicle operation data and the vehicle operator identity data associated with each respective vehicle operator from among the plurality of vehicle operators who are enabled to operate the vehicle; and
calculating, by the one or more processors associated with the server, comprehensive vehicle insurance policy related data based upon the correlation of the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to (i) the vehicle operation data, and (ii) the vehicle operator identity data, such that the comprehensive vehicle insurance policy related data indicates:
(i) a proportion of driving time in which each of the plurality of vehicle operators who are enabled to operate the vehicle drove the vehicle,
(ii) for each of the plurality of vehicle operators who are enabled to operate the vehicle, a proportion of driving time in which each of the plurality of vehicle operators was accompanied by one or more passengers when driving the vehicle, and
(iii) driving habits of each of the plurality of vehicle operators who drove the vehicle.

2. The method of claim 1 , further comprising:
receiving, by the one or more processors associated with the server, the known vehicle operator identity data,
wherein the known vehicle operator identity data is representative of one or more (i) identifiable physical aspects of each of the vehicle operators that are insured to operate the vehicle, and (ii) an image of each of the vehicle operators that are insured to operate the vehicle.

3. The method of claim 2 , wherein the act of determining the identity of each of the vehicle operators that are insured to operate the vehicle comprises:
comparing the identifiable physical aspects and the image of each of the vehicle operators that are insured to operate the vehicle included in the vehicle operator identity data to the identifiable physical aspects and images included in the known vehicle operator identity data.

4. The method of claim 1 , wherein the vehicle sensor data is received from at least one vehicle sensor selected from a group of sensors consisting of:
a light sensor;
a pressure sensor;
a seat belt sensor;
a seat occupancy sensor;
an image sensor;
a vehicle telematics system sensor;
a steering wheel angle sensor;
a vibration sensor;
a vehicle pitch sensor;
facial recognition sensor;
fingerprint sensor;
eye scan sensor;
a vehicle yaw sensor;
a vehicle speed sensor;
a vehicle brake sensor;
a steering wheel hand sensor;
an air bag sensor;
a microphone;
an ultrasonic sensor; and
an infrared sensor.

5. The method of claim 1 , wherein the vehicle operator identity data is based, at least in part, on data received from a vehicle sensor selected from a group of sensors consisting of:
an image sensor;
a microphone;
facial recognition sensor;
fingerprint sensor;
eye scan sensor; and
a seat occupant weight sensor.

6. The method of claim 1 , wherein the act of calculating the comprehensive vehicle insurance policy related data comprises:
calculating one or more insurance options including underwriting and pricing.

7. The method of claim 1 , wherein the identifiable physical aspects of each of the plurality of vehicle operators who are enabled to operate the vehicle include a weight of each of the plurality of vehicle operators who are enabled to operate the vehicle.

8. The method of claim 1 , wherein the vehicle operator identity data further includes a position and orientation of each vehicle operator's head from among the plurality of vehicle operators who are enabled to operate the vehicle.

9. A system for automatically generating vehicle insurance policy related data, the system comprising:
a vehicle module configured to:
acquire vehicle operator identity data representative of a plurality of vehicle operators, the vehicle operator identity data including (i) data representative of one or more identifiable physical aspects of each of the plurality of vehicle operators, and (ii) an image of each of the plurality of vehicle operators; and
a server configured to determine an identity of each of the plurality of vehicle operators based on the vehicle operator identity data,
wherein the vehicle module is further configured to:
change a state of a vehicle to (i) prevent vehicle operators from among the plurality of vehicle operators from operating the vehicle when the determined identity of a respective vehicle operator does not match any vehicle operators that are insured to operate the vehicle based upon known vehicle operator identity data, or (ii) enable vehicle operators from among the plurality of vehicle operators to operate the vehicle when the determined identity of a respective vehicle operator matches at least one vehicle operator that is insured to operate the vehicle based upon the known vehicle operator identity data;

acquire vehicle operation data representative of operation of a vehicle by each of the plurality of vehicle operators who are enabled to operate the vehicle and including one or more images of the inside of the vehicle that indicate, upon performing an image analysis, whether each of the plurality of vehicle operators were driving with one or more passengers,
wherein each of the vehicle operator identity data and the vehicle operation data are based at least partially on vehicle sensor data, and

wherein the
server is further configured to:
correlate the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to the vehicle operation data and the vehicle operato

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Hayward Gregory
• Christensen Scott T
• Gay Christopher E
• Cielocha Steven
• Binion Todd

Classifications

• G06Q30/0207

  Discounts or incentives, e.g. coupons or rebates · CPC title

• G06Q30/0208

  Trade or exchange of goods or services in exchange for incentives or rewards · CPC title

• G06Q40/08 Primary

  Insurance · CPC title

• B60R25/20

  Means to switch the anti-theft system on or off · CPC title

• G07C5/008

  communicating information to a remotely located station (transmission systems for measured values G08C) · CPC title