Analyzing telematics data to determine travel events and corrective actions

Patent metadata

Field	Value
Publication number	US-9836062-B1
Application number	US-201614990056-A
Country	US
Kind code	B1
Filing date	Jan 7, 2016
Priority date	Jan 20, 2015
Publication date	Dec 5, 2017
Grant date	Dec 5, 2017

Abstract

A computer-implemented method of using telematics data associated with an originating vehicle at a destination vehicle is provided. The method includes receiving telematics data associated with the originating vehicle by (1) a mobile device, or (2) a smart vehicle controller associated with a driver, and analyzing the telematics data to determine that a travel event exists. If the travel event exists, the method may determine if the travel event presents an issue or problem for the vehicle (or driver) by determining that a GPS location of the travel event is located along the current travel route of the vehicle and, if so, automatically taking a preventive or corrective action that alleviates a negative impact of the travel event on the driver or vehicle to facilitate safer or more efficient vehicle travel. Insurance discounts may be provided based upon the risk mitigation or prevention functionality, or usage thereof.

First claim

What is claimed:

1. A computer-implemented method of using telematics data at a destination vehicle or device to provide telematics data-based risk mitigation or prevention functionality, the method comprising:
receiving telematics data at or by a destination computing device including one of (1) a destination mobile computing device associated with a driver, or (2) a smart vehicle controller of the destination vehicle associated with the driver, via wireless communication or data transmission, the telematics data being sampled by one or more sensors that are incorporated as part of an originating mobile computing device,
wherein the telematics data is generated when the one or more sensors indicate that the originating mobile computing device is stationary with respect to an originating vehicle and is located within the originating vehicle, the telematics data including acceleration, braking, speed, cornering, and location-related data associated with an operation of the originating vehicle;
analyzing or reviewing the telematics data, at or by the destination computing device, to determine whether (i) a travel event exists, and (ii) a location of the travel event based upon a Global Positioning System (GPS) location of the travel event that is included as part of the telematics data;
when the travel event exists, further determining a relevance of the travel event to the driver or the destination vehicle, via the destination computing device, by determining, based upon the telematics data, whether the GPS location of the travel event is located (i) along the current travel route of the destination vehicle, or (ii) within a threshold distance of the current GPS location of the destination computing device; and
when the travel event is relevant to the driver or the destination vehicle, one of (1) a telematics application executed on the destination mobile computing device, or (2) the smart vehicle controller of the destination vehicle, automatically directs a preventive or corrective action, at or via the destination computing device, to alert the driver or the destination vehicle and to alleviate a negative impact of the travel event on the driver or the destination vehicle, and to display insurance policy pricing adjustment information associated with the driver that is based upon a driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.

2. The computer-implemented method of claim 1 , wherein the preventive or corrective action taken includes one or more of:
generating or determining an alert, at or via the destination computing device;
presenting a visual alert, at or via the destination computing device, on a display or display screen associated with the destination computing device; and
providing an audio or audible alert, at or via the destination computing device.

3. The computer-implemented method of claim 1 , wherein the preventive or corrective action taken includes one or more of:
generating an alternate travel route that avoids the GPS location of the travel event, at or via the destination computing device;
determining an alternate travel route that avoids the GPS location of the travel event, at or via the destination computing device;
receiving an alternate travel route that avoids the GPS location of the travel event, at or via the destination computing device; and
presenting the alternative travel route, at or via the destination computing device, on a display or display screen for use by the driver.

4. The computer-implemented method of claim 1 , wherein the destination vehicle is an autonomous or semi-autonomous vehicle, and
wherein the preventive or corrective action taken includes:
generating an alternate travel route that avoids the GPS location of the travel event, at or via the destination computing device; and
automatically directing the destination vehicle to take or follow the alternative travel route, at or via the destination computing device.

5. The computer-implemented method of claim 1 , wherein the telematics data further includes data indicative of speed, deceleration, lane information, and data associated with the originating mobile computing device.

6. The computer-implemented method of claim 1 , wherein the telematics data further includes data indicative of time, left turn, right turn, heading, GPS speed, angular velocity data, a battery level associated with the originating mobile computing device, telephone usage information associated with the originating mobile computing device, or data associated with the originating mobile computing device.

7. The computer-implemented method of claim 1 , wherein the telematics data is transmitted from the originating mobile computing device directly to the destination computing device.

8. The computer-implemented method of claim 1 , wherein the telematics data includes data selected from one or more of:
a timestamp;
one or more sensor metrics indicative of a direction of the originating vehicle;
one or more sensor metrics indicative of a usage of the originating mobile computing device;
a battery level associated with the originating mobile computing device; and
a usage indicator associated with the originating mobile computing device.

9. The computer-implemented method of claim 1 , wherein:
the telematics data is transmitted from the originating mobile computing device directly to smart infrastructure,
the smart infrastructure includes one or more of a smart stop sign, a smart street sign, a smart toll both, smart road-side equipment, or smart road-side reflectors, and
the smart infrastructure relays or transmits the telematics data to the destination computing device.

10. The computer-implemented method of claim 1 , wherein:
the originating mobile computing device transmits the telematics data directly to a remote server, and
the remote server relays or transmits the telematics data to the destination computing device.

11. The computer-implemented method of claim 10 , the method further comprising:
adjusting or modifying, by one or more processors associated with the remote server, an insurance policy, premium, or discount for an insured customer based upon the insured customer having a mobile computing device or vehicle equipped with telematics data-based risk mitigation or prevention functionality.

12. The computer-implemented method of claim 10 , wherein the driver is an insured customer, the method further comprising:
monitoring, by one or more processors associated with the remote server, a time amount or a mileage amount that the insured customer drives the vehicle with the telematics data-based risk mitigation or prevention functionality enabled or being executed on the originating mobile computing device; and
adjusting or modifying, by the one or more processors associated with the remote server, an insurance policy, premium, or discount for the insured customer based upon the insured customer's usage or an amount that insured customer uses or employs the telematics data-based risk mitigation or prevention functionality via the originating mobile computing device, the functionality including (i) generating, collecting, broadcasting, or receiving telematics data, and (ii) generating appropriate alerts or recommendations.

13. A computer-implemented method of using telematics data to provide telematics data-based risk mitigation or prevention functionality, the method comprising:
receiving telematics data, at or by a destination computing device including one of (1) a destination mobile computing device associated wit

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Hayward Gregory

Classifications

• B60W50/14

  Means for informing the driver, warning the driver or prompting a driver intervention · CPC title

• B60W40/10

  related to vehicle motion · CPC title

• H04W4/40

  for vehicles, e.g. vehicle-to-pedestrians [V2P] · CPC title

• G08G1/052

  with provision for determining speed or overspeed {(speed measuring in general G01P)} · CPC title

• G01S19/51

  Relative positioning · CPC title