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

Patent metadata

Field	Value
Publication number	US-9865020-B1
Application number	US-201715674067-A
Country	US
Kind code	B1
Filing date	Aug 10, 2017
Priority date	Mar 10, 2013
Publication date	Jan 9, 2018
Grant date	Jan 9, 2018

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:
identifying, by the one or more processors associated with a server, a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator;
changing, by one more processors associated with a vehicle module installed in a vehicle:
a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when the determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle;
receiving, by the one or more processors associated with the server, vehicle operation data that is based partially upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and
calculating, by the one or more processors associated with the server, comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operation data, the vehicle operator identity data, and the vehicle operator such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle.

2. The method of claim 1 , wherein the act of changing the state of the vehicle to allow the vehicle operator to operate the vehicle comprises:
changing the state of the vehicle to allow the vehicle operator to operate the vehicle when the vehicle operator matches a vehicle operator that is insured to operate the vehicle based upon a comparison of the vehicle operator identity data to known vehicle operator identity data.

3. The method of claim 2 , wherein the known vehicle operator identity data is representative of (i) one or more identifiable physical aspects of vehicle operators that are insured to operate the vehicle, and (ii) images of the vehicle operators that are insured to operate the vehicle.

4. The method of claim 1 , wherein the act of changing the state of the vehicle to prevent the vehicle operator from operating the vehicle comprises:
identifying facial characteristics of the vehicle operator to assess a physical status of the vehicle operator in accordance with a predetermined set of rules; and
changing the state of the vehicle to prevent the vehicle operator from operating the vehicle when the vehicle operator is determined to be in a condition unsuitable for operating the vehicle based upon the physical status of the vehicle operator.

5. 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.

6. The method of claim 1 , wherein the vehicle sensor data is received from at least one vehicle sensor including one or more 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.

7. A system for automatically generating vehicle insurance policy related data, the system comprising:
a server configured to:
identify a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator; and

a vehicle module configured to:
change a state of the vehicle to prevent the vehicle operator from operating the vehicle when the determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or
change a state of the vehicle to allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle, and

wherein the server is further configured to:
receive vehicle operation data that is based partially upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and
calculate comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operation data, the vehicle operator identity data, and the vehicle operator such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle.

8. The system of claim 7 , wherein:
the vehicle module is further configured to change the state of the vehicle to allow the vehicle operator to operate the vehicle when the vehicle operator matches a vehicle operator that is insured to operate the vehicle based upon a comparison of the vehicle operator identity data to known vehicle operator identity data; and
the known vehicle operator identity data is representative of (i) one or more identifiable physical aspects of vehicle operators that are insured to operate the vehicle, and (ii) images of the vehicle operators that are insured to operate the vehicle.

9. The system of claim 8 , wherein the server is further configured to calculate the comprehensive vehicle insurance policy related data by calculating one or more insurance options including underwriting and pricing.

10. The system of claim 8 , wherein the vehicle sensor data is received from at least one vehicle sensor including one or more 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.

11. The system of claim 7 , wherein the vehicle module is further configured to change the state of the vehicle to prevent the vehicle operator from operating the vehicle when identified facial characteristics of the vehicle operator used to assess a physical status of the vehicle operator in accordance with a predetermined set of rules indicate that the vehicle operator is in a condition unsuitable for operating the vehicle.

12. A non-transitory, tangible, computer-readable medium storing instructions that, when executed by a processor, cause the processor to:
identify a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator;
change

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

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

Classifications

• G06Q40/08 Primary

  Insurance · CPC title

• G07C5/00

  Registering or indicating the working of vehicles · CPC title

• G06Q30/0208

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

• G07C5/008

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

• B60Q1/00

  Arrangement of optical signalling or lighting devices, the mounting or supporting thereof or circuits therefor (for lighting vehicle interior B60Q3/00) · CPC title