US20100131304A1 - Real time insurance generation - Google Patents
Real time insurance generation Download PDFInfo
- Publication number
- US20100131304A1 US20100131304A1 US12/547,800 US54780009A US2010131304A1 US 20100131304 A1 US20100131304 A1 US 20100131304A1 US 54780009 A US54780009 A US 54780009A US 2010131304 A1 US2010131304 A1 US 2010131304A1
- Authority
- US
- United States
- Prior art keywords
- driver
- vehicle
- insurance
- data
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0201—Market modelling; Market analysis; Collecting market data
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0265—Vehicular advertisement
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0269—Targeted advertisements based on user profile or attribute
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0273—Determination of fees for advertising
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
Definitions
- the subject specification relates generally to insurance rates and in particular to disclosing real-time insurance rates to a vehicle operator.
- Insurance coverage is a commodity that many people purchase for peace of mind and/or because local laws require such coverage. Thus, most people might consider insurance as something that is necessary and, at times, undesirable due to high cost of insurance premiums.
- a person can pay an insurance premium at one instance for coverage over a block of time, such as making a payment semi-annually for six months of coverage. Once the premium is paid, the driver commonly does not think about insurance until the next payment is due or an incident occurs that brings the premium to the driver's consciousness (e.g., being in an automobile accident). With limited and infrequent thought to insurance premiums, drivers can be less likely to perform actions that are beneficial to lowering their premiums as well as their risk factor.
- Insurance companies calculate premiums for coverage through complex models based upon a variety of factors. The goal of these models is to determine a risk level associated with a driver or vehicle—based upon the risk level, an amount for the premium can be ascertained. Age, driver citation history, and other factors can be used in determining the risk level and thus ascertaining the amount for a premium.
- data regarding a driver's driving skills and habits can be obtained in real time.
- the data can be subsequently analyzed and an appropriate insurance rate determined.
- the insurance rate or other information pertaining to the driver's driving style can be forwarded to the driver in real time while they are still driving the vehicle thereby allowing the driver to adjust their driving technique, where such an adjustment can result in lower insurance rates being determined.
- the new insurance rates and associated data can be forwarded to the driver at a later time, e.g., upon completion of a journey.
- the driver is identified to an on-board monitoring system using a device that has unique identification information stored thereon to allow the driver to be uniquely identified.
- a device can be a cell phone, where the IMSI information stored on the cell phone SIM can be employed to identify the driver.
- Alternative embodiments, for example, can include a RFID device, cards with information stored in a magnetic strip, etc.
- the on-board monitoring system is in communication with an insurance provider system. Data gathered by the on-board monitoring system can be forwarded to the insurance provider, the data analyzed and an insurance rate determined. The determined rate can then be forwarded to the on-board monitoring system allowing the driver to see immediately what effect their driving style is having upon their insurance rate.
- An authentication process can be performed to ensure that the driver is who they say they are.
- authentication can involve comparing shared digital keys between an identification device and the on-board monitoring system.
- an external database can be accessed and a shared digital key can be obtained to compare with one stored on a cell phone SIM.
- Authorization of the driver can be carried out, whereby once the driver has been identified, information is obtained as to whether the driver is allowed to drive a particular vehicle, for example, in a fleet of company vehicles. Alternatively, the driver may be deemed to be unsuitable for driving certain passengers in a vehicle and is thus prevented from driving them.
- the authorization process can include immobilization of a particular vehicle, and/or informing the driver that they are not able to drive that particular vehicle or certain passengers.
- a third party system and database can be accessed to facilitate identification of the driver.
- a database operated by the cell phone system provider can be queried and information identifying the owner of the cell phone accessed.
- a contextual system can be included that interacts with other applications such as a calendar on a cell phone.
- the contextual system can prompt the driver of an upcoming trip, e.g., to the airport, and allow them sufficient time to make the trip in a safe manner.
- a global positioning system GPS can be included in the system allowing the location of the driver and vehicle to be determined which can be forwarded to the insurance provider to allow rates based on location to be provided.
- An accelerometer can also be included to provide feedback regarding whether the driver is accelerating or braking excessively.
- the on-board monitoring system can be connected to any on-board diagnostic system(s) available on the vehicle. Data received from the on-board diagnostic system can be employed to help determine how the vehicle is being driven, whether the driver and passengers are wearing their seatbelts, road worthiness of the vehicle, etc.
- Insurance rate determination applications can be installed and operating on the insurance provider system. Applications providing similar functionality, either in a comprehensive or limited manner, can be installed and operating local to the on-board monitoring system. The applications can be employed in conjunction with buffer memory such that in the event of communication failure between the on-board monitoring system and the insurance provider system any gathered/processed data can be stored in the buffer until communications are re-established and the data is downloaded to the respective device.
- the real-time insurance rate determination system can be incorporated into a “mesh” comprising of other drivers, GPS based location information, traffic systems, etc.
- the mesh allows the driver to interface with the transport infrastructure and have their attention drawn to speed limits, other vehicles, illegal maneuvers, etc.
- Data gathered by the on-board monitoring system, GPS, on-board diagnostic systems, etc., can be employed in the reconstruction of accidents, and if required, provided to legal entities for legal proceedings.
- the real-time insurance determination system addresses the issue of drivers owning multiple vehicles and having to insure them all even though only one vehicle is driven at any given time. As the system is focused on the driver it is possible to determine an insurance coverage based upon the frequency with which each vehicle is driven.
- a cell phone can be used to identify a driver and provide a means for communication between the on-board monitoring system and the remote insurance provider system. Hence it is possible to determine whether the driver uses their cell phone while driving, e.g., they talk or send text with the cell phone while driving. Appropriate insurance rates can be charged based on cell phone usage.
- the driver can also opt to allow third party companies to have access to their data, allowing the third party companies to forward advertisements etc. that the third party company determines pertains to the driver based on their data.
- the insurance provider system can be available to a plurality of insurance companies allowing the driver to benefit from quotes the companies, where the driver can switch from one insurance coverage to another in real time.
- FIG. 1 illustrates a system for real-time monitoring of a driver to facilitate determination of insurance rate(s) in accordance with an aspect.
- FIG. 2 illustrates a system for real-time monitoring of a driver to enable determination of rate(s) of insurance in accordance with an aspect.
- FIG. 3 depicts a monitoring system in communication with an insurance provider system to facilitate operation of a vehicle in accordance with an aspect.
- FIG. 4 presents an example methodology for the installation of a real-time insurance system in accordance with an aspect.
- FIG. 5 illustrates a representative methodology for initializing on-board monitoring for a real-time insurance system and authenticating/authorizing a driver in accordance with an aspect.
- FIG. 6 illustrates an example methodology for gathering information from an on-board monitoring system employed in a real-time insurance system in accordance with an aspect.
- FIG. 7 illustrates an example methodology 700 for determining insurance rates based upon vehicle usage in accordance with an aspect.
- FIG. 8 illustrates an example of a schematic block diagram of a computing environment in accordance with an aspect.
- FIG. 9 illustrates an example of a block diagram of a computer operable to execute the disclosed architecture.
- a component can be, but is not limited to being, a process running on a processor, a processor, an object, an executable, a thread of execution, a program, and/or a computer.
- an application running on a controller and the controller can be a component.
- One or more components can reside within a process and/or thread of execution and a component can be localized on one computer and/or distributed between two or more computers.
- an interface can include I/O components as well as associated processor, application, and/or API components.
- FIG. 1 illustrates a system 100 for real-time monitoring of a driver to facilitate determination of insurance rate(s) based on various aspects as disclosed infra.
- System 100 includes an insurance policy holder, operator 110 , utilizing a mobile device 105 to associate the operator 110 with an on-board monitoring system 125 and a vehicle 130 .
- the mobile device 105 is in communication with an insurance provider system 135 via a transceiver 140 and a communication component 145 .
- the driver's driving habits, skills, route of travel, activity, etc. can be monitored by the on-board monitoring system 125 in conjunction with the mobile device 105 .
- the on-board monitoring system 125 monitors and gathers information regarding driver 110 's driving skills, habits, etc. and forwards the information to the insurance provider 135 .
- the communication component 145 can provide communication protocols, data conversion, etc., as necessary, to allow transmission of data and information between the on-board monitoring system 125 , the mobile device 105 and the insurance provider system 135 .
- Data received at the insurance provider system 135 can be collected by an aggregation component 148 .
- the aggregation component can compile received data to facilitate processing by the data analysis component 150 .
- the insurance provider 135 employs various analytical methods (by utilizing driving analysis component 150 ) to facilitate determination of an appropriate insurance rate and any other pertinent information concerning the driving habits of the driver.
- the aggregation component 148 can obtain data from the various components of system 100 to assist in the determination of insurance rates. Such components can include the on-board monitoring system 125 , mobile device 105 , the device ID 106 , and/or the vehicle operator 110 with the obtained data being forwarded to the driving analysis component 150 and/or the dynamic rate determination component 155 . Data can also be obtained from a database 160 which stores information pertaining to the vehicle operator 110 , e.g., previous driving history, along with other data as required. Furthermore, the aggregation component 148 can obtain information as required from the insurance provider as well as any third party entities such as other insurance companies, parents of the vehicle operator, and the like.
- the aggregation component 148 gathers information from as many sources as required to facilitate generation and presentation of insurance rate(s). Data gathered by the aggregation component 148 can also be forwarded from the insurance provider system 135 to the mobile device 105 , on-board monitoring system 125 , and any other components associated with system 100 to facilitate presentation of any pertinent data, e.g., insurance rates, to an operator 110 or other interested party.
- the database 160 which can be employed to store any information gathered or generated by the various components of system 100 . Such information can include data gathered by the on-board monitoring system 125 , information provided by operator 110 , information retrieved from the mobile device 105 or information associated therewith, information collected or generated by the various components of the insurance provider system 135 , information provided by third party systems and/or users (not shown), and the like.
- the database 160 can be incorporated into the insurance provider system 135 , or reside in a third party system (not shown).
- the gathering of data by the on-board monitoring system 125 can be in real-time thereby allowing the driving analysis component 150 to analyze the received data in real-time/near real-time and, accordingly, a dynamic rate determination component 155 to dynamically determine an insurance rate(s) based upon the gathered data and data analysis.
- the determined insurance rate(s) and any other pertinent information can be transmitted to the mobile device 105 and/or on-board monitoring system 125 for presentation to the driver.
- the pertinent information and insurance rate(s) can be presented employing various communication devices incorporated into the mobile device 105 , the on-board monitoring system 125 , or other system (not shown) located in vehicle 130 , where such communication devices include audio presentation, visual display such as a graphical interface, light emitting diode(s), head up display (HUD), or other suitable communication means.
- communication devices include audio presentation, visual display such as a graphical interface, light emitting diode(s), head up display (HUD), or other suitable communication means.
- an insurance premium can be generated that reflects the driver's driving habits more closely than a traditional method such as determining a rate based upon a number of speeding tickets received by a driver in a given time period.
- any feedback information e.g., determined insurance rate(s) or other pertinent information
- a remote system such as a personal computer (e.g., connected to the insurance system) (not shown) for viewing by the driver or other interested party.
- the insurance rate(s) can be calculated in real-time and as such can more accurately reflect appropriate coverage for a driver.
- a variety of different factors can influence a likelihood of the driver being involved in an accident, having a vehicle stolen, and the like. For example, if the driver is travelling through bad weather, then risk of accident can be higher and an insurance rate can be increased in real-time as weather conditions change—conversely, if there is relatively little traffic surrounding the driver's vehicle, then the rate can be lowered.
- real-time and “near real-time” are being utilized to convey the time taken to monitor, gather, transmit, process, present, etc., any data and information that facilitates determination of an insurance rate and driver feedback.
- the terms “real-time” and “near real-time” can be interposed to reflect the virtually instantaneous data collection and insurance rate determination in comparison with traditional methods of insurance rate determination and provision of the rate information to a customer via letter, phone, email, etc.
- the traditional methods of letter, phone, email, etc. can be employed to present insurance rates and information determined by the methods disclosed herein to the customer at a later time, e.g., upon completion of the journey.
- the on-board monitoring system 125 can include a wireless communication system (not shown) facilitating direct communications between the on-board monitoring system 125 and the insurance provider 135 , via transceiver 140 . Any suitable combination and location of communication means can be employed to facilitate communications between the various system components. Also, it is understood that while not shown, the on-board monitoring system 125 can include any equipment required to facilitate communication of data, where the equipment can include processor(s), memory, communication components and associated applications and protocols, etc., as necessary.
- transceiver 140 to communicate between the on-board monitoring system 125 and the insurance provider system 135 , the variety of communication protocols and techniques employed by the system 100 can be extended beyond those supported by the mobile device 105 .
- Such communication techniques can, for example, include wireless, wired, cellular, WiFi, WiMax, WiLAN, satellite, etc.
- the mobile device 105 can be any suitable device that can have information stored thereon or can be associated with information that uniquely identifies an individual. Such devices include mobile phones, cellphones, personal digital assistant (PDA), laptops, portable computer devices, and the like.
- PDA personal digital assistant
- laptops laptops
- portable computer devices and the like.
- Any suitable device to assist in identifying a driver can be employed in conjunction with the on-board monitoring system 125 .
- the suitable device can comprise of, but not limited to, any combination of an interface to locate with the on-board monitoring system 125 , a memory for storing device/user identification, one or more applications employed as part of the monitoring process, a processor to implement the application(s), process any data, store new data, etc., a transceiver to transmit or receive data as required in performing the monitoring process, display/communication device(s) to convey information to the driver, and input device(s) to allow the user to interact with presented information and provide feedback, e.g., such feedback could be acceptance of a new insurance rate or entering of a password for authentication purposes.
- a device ID component 160 associated with the mobile device 105 can be employed to identify mobile device 105 and, accordingly, the owner or user of mobile device 105 .
- the device ID component 160 can be a Subscriber Identity Module (SIM) card in a driver's cell phone and the information stored thereon can be utilized to identify the driver.
- SIM Subscriber Identity Module
- a SIM card can store a variety of identification information such as an International Mobile Subscriber Identity (IMSI) or an integrated circuit card ID (ICC-ID), for example.
- IMSI International Mobile Subscriber Identity
- ICC-ID integrated circuit card ID
- Other identifiers for other network and communication systems can be employed to identify a device, such as the International Mobile Equipment Identity (IMEI) number associated with a cell phone.
- IMEI International Mobile Equipment Identity
- W-SIM Willcom-SIM
- a device employing RFID technology can be employed to allow the on-board monitoring system 125 to identify a driver.
- the driver can place the RFID enabled device within transmission range of the on-board monitoring device 125 , whereupon identification and authentication information can be read from the RFID and employed by the on-board monitoring system 125 to identify and, if required, authenticate the driver.
- Such an RFID device can be carried by the driver as a smart-card or as a key-fob, for example.
- a similar approach can be employed with mobile devices 105 utilizing other ranged wireless systems such as Bluetooth, IEEE 802.11 (a, b, g, etc.), and the like.
- the driver identification information could be stored on a card incorporating magnetic strip technology whereupon the driver swipes the card through a card reader associated with the onboard monitoring system to facilitate identification and authentication of the driver.
- information could be stored and represented as a barcode which is presented to a barcode scanner (not shown) associated with the on-board monitoring system 125 and the information stored in the barcode is read.
- the mobile device 105 and the on-board monitoring system 125 can be updated via hardwire e.g., connecting the mobile device 105 or on-board monitoring system 125 to a computer etc. to install/upgrade software which can be downloaded from the internet.
- the upgrade can be transmitted to the mobile device 105 or the on-board monitoring system 125 by wireless means.
- the on-board monitoring system 125 is shown as a separate system, the on-board monitoring system 125 could be incorporated into the mobile device 105 , for example, as a plug-in module.
- the mobile device 105 employed by the driver as part of the system 100 can comprise of any combination of components that allow gathering, processing, transmission, presentation, evaluation, determination of insurance rates and any pertinent information, and any components to assist and enable the identification of the driver to the insurance provider system 135 .
- FIG. 2 illustrates a system 200 for real-time monitoring of a driver to facilitate determination of rate(s) of insurance.
- System 200 illustrates communications between an on-board monitoring system 125 and an external system such as the insurance provider system 135 being conducted via the mobile device 105 .
- System 200 also comprises a GPS 210 providing location information, an accelerometer 220 , and an on-board diagnostics system 230 which can provide information regarding how a vehicle is being driven and the current condition of the vehicle.
- One or more camera's 240 can be located onboard the vehicle to gather visual data throughout the vehicle journey.
- system 200 includes a context component 250 providing scheduling information to a user and a buffer 270 for storing data.
- a remote monitoring system 260 can be employed to interact with the insurance provider system 135 , the on-board monitoring system 125 and/or the mobile device 105 .
- the remote monitoring system 260 can comprise of any device suitable to facilitate presentation of information and means for allowing a user to interact with the information and the various components of systems 100 and 200 , suitable devices include a personal computer, laptop, personal digital assistant, cell phone, etc.
- the remote monitoring system 260 can be communicatively coupled to the insurance provider system 135 , with the insurance provider system 135 forwarding information to the remote monitoring system 260 as it is received from the on-board monitoring system 125 , the mobile device 105 , or after it has been processed by the insurance provider system 135 .
- the remote monitoring system 260 can be in direct communication with the mobile device 105 and/or the on-board monitoring system 125 and receives information directly therefrom, and provides feedback and/or instructions thereto.
- the GPS 210 and the accelerometer 220 can be located in the mobile device 105 , the on-board monitoring system 125 , or external to, but in communication with the mobile device 105 and/or the on-board monitoring system 125 .
- the GPS 210 provides information regarding the location of the respective device to which it is communicatively coupled.
- the GPS 210 could be located in the mobile device 105 thereby allowing the location of the user (e.g., a driver) of mobile device 105 to be determined when the mobile device 105 is local to the user, and accordingly, when the mobile device 105 is associated with the on-board monitoring system 125 the location of vehicle 130 (not shown) to be determined.
- the parent can employ the GPS 210 either via the mobile device 105 or in conjunction with the on-board monitoring system 125 to keep track of the location of their child as the child conducts their journey.
- Location information can be forwarded to the insurance provider system 135 for processing as part of an insurance rate determination, and also presented to the parent, via the remote monitoring system 260 .
- the GPS 210 can provide feedback regarding the current location of the driver, which can be employed to monitor the past/present/future location of a driver.
- the location of the child can be monitored by a parent, via the remote monitoring system 260 , to ensure they are going where they said they were going, the neighborhood currently being driven through, etc.
- Information provided by the GPS 210 can be processed and employed to assist in directing a driver to go via a safer route, avoid congestion, etc.
- the information provided by the GPS 210 can be presented to a remote user via the remote monitoring system 260 , and instructions can be entered into the remote monitoring system 260 by a remote user and provided to the driver via the mobile device 105 , on-board monitoring system 125 , or other suitable device available to the driver and/or installed in the vehicle.
- Accelerometer 220 can be employed to monitor the rate of acceleration/deceleration of the vehicle being driven, with the captured data being employed by the insurance provider system 135 as part of a determination of insurance rate.
- Alerts can be generated if a driver is/has been driving in a dangerous manner, e.g., accelerating or braking excessively, and presented to a person monitoring the driver via the monitoring system 260 .
- the parent can be informed via the remote monitoring system 260 , of the child's driving style and appropriate action taken, such as calling the child to tell them to not accelerate excessively.
- the parent can be informed that the child is speeding or that they are going through a “bad” neighborhood and corrective action is required.
- the on-board monitoring system 125 can be associated with, and obtain information from, an on-board data system 230 .
- the on-board data system 230 can include an engine control unit/module (ECU/ECM) located on vehicle 130 (see FIG. 1 ) that monitors various sensors located throughout the engine, fuel, and exhaust systems to control various aspects of the vehicles internal combustion engine operation.
- ECU/ECM engine control unit/module
- the on-board data system 230 can also include a transmission control unit (TCU), powertrain control module (PCM, which can be a combined ECU/TCU), and other control units/on board diagnostic systems located in an automobile monitoring sensors associated with the transmission system, braking system, windows, doors, windscreen wipers, climate control, etc., and information obtained there from can allow the on-board monitoring system 125 to build an accurate picture of how the vehicle is being operated.
- the on-board monitoring system 125 can retrieve information from the on-board data system 230 regarding whether the driver and any other occupants of the vehicle are wearing their seatbelts, and if seatbelts are not worn appropriate feedback can be provided indicating a reduction in insurance premium if the seatbelts were worn.
- the on-board monitoring system 125 can be hardwired to the on-board data system 230 via, in the context of one example, an on-board diagnostics (OBD) connector (e.g., an OBD-II connector) or similar connector/device.
- OBD on-board diagnostics
- the on-board monitoring system 125 can be coupled to the on-board data system 230 using wireless technologies, such as Bluetooth, IEEE 802.11 (a, b, g, etc.), for example.
- the on-board data system 230 can obtain information regarding the condition of the vehicle 130 . In one example, if tire pressure is low, an inference can be made that there is a higher likelihood of an accident and thus the insurance rate should be increased.
- One or more video cameras 240 can be located on a vehicle 130 to record visual information.
- the camera could be placed in the vehicle 130 to be forward facing to the direction of travel and captures visual information regarding the journey.
- a plurality of cameras 240 can be located on the vehicle 130 allowing video to be acquired from a variety of viewpoints from the vehicle 130 , e.g., a second camera can be recording information in a rearward viewpoint gathering information for use in accident analysis such as when the vehicle is reversing or has been involved in an accident, e.g., rear-ended.
- the visual data acquired by the camera can be streamed to the insurance provider system 135 via the on-board monitoring system 125 and/or mobile device 105 for data analysis.
- the acquired visual data can be stored local to the vehicle 130 , before sending to the insurance provider system 135 , in memory 260 associated with the on-board monitoring system and/or in memory (not shown) located with the video camera 240 .
- the various memory buffers can be programmed to retain a specific amount of data, e.g., the last X minutes, or until the memory capacity is exceeded, whereupon the first stored video is replaced by most recently acquired video.
- the acquired video data can be used for a variety of purposes regarding collection of contextual data and/or analysis.
- Examples of such purposes include the video stream can be analyzed to assist in the determination of the current weather conditions (e.g., it is snowing, windscreen wipers are operating, etc.), during post-collision review the gathered video can be reviewed to determine cause of collision, blame, etc., and the like.
- the current weather conditions e.g., it is snowing, windscreen wipers are operating, etc.
- the gathered video can be reviewed to determine cause of collision, blame, etc., and the like.
- a context component 250 can also comprise part of the mobile device 105 and/or the on-board monitoring system 125 , and interacts with other applications (not shown) such as a calendar application operating on the mobile device 105 .
- the context component 250 can review the calendar entries and prompt the driver of an upcoming trip, e.g., to an airport.
- the context component 250 in conjunction with a trip planner/geographic location application 280 , can determine the amount of time required to complete the journey and prompt the driver sufficiently ahead of commencing the journey to allow the driver to make the trip in a safe manner.
- a memory buffer 270 can also be utilized by the on-board monitoring system 125 and/or the mobile device 105 . Owing to the possibility of lost wireless communications during a journey there may be occasions where the on-board monitoring system 125 and/or mobile device 105 are not able to communicate with the insurance provider system 135 . During such occasions, which can be of indeterminate duration, any data gathered by the on-board monitoring system 125 or the mobile device 105 can be temporarily stored in the buffer 270 . Upon re-establishment of communications between the insurance provider system 135 , the on-board monitoring system 125 and/or the mobile device 105 , the data stored in the buffer can be downloaded to the insurance provider system 135 for analysis and insurance rate determination.
- the insurance provider system 135 can also include a buffer (not shown) which can be employed to store information generated by the various components of the insurance provider system 135 during the communications outage and, upon re-establishment of communications, the information generated by the insurance provider system 135 can be forwarded to the on-board monitoring system 125 and/or the mobile device 105 .
- the buffer on the insurance provider system 135 can also be employed to store data to be transmitted to the remote monitoring system 260 in the event of communication outage therebetween, e.g., a network failure.
- the on-board monitoring system 125 or the mobile device 105 can include one or more local applications 280 to facilitate monitoring, processing, and generation of data for insurance purposes.
- the local applications 280 can be substantially similar to any of the applications operating in the various components that comprise systems 100 , 200 , and 300 .
- insurance rate information and feedback can be presented to a driver which can be beneficial when communications between the various components that comprise systems 100 , 200 , and 300 are unavailable.
- the local applications 280 can be employed to control what data is stored in the buffer 270 . To prevent data overflow of the buffer 270 , the local applications 280 can process the data as it is gathered thereby allowing the processed data to be stored as opposed to the raw data, where it is envisioned that the processed data occupies less memory than the raw data.
- a particular application 280 could be a digital road map which in conjunction with the GPS 210 and the on-board data system 230 can be used to assist in the determination of whether a vehicle is speeding.
- the position of a vehicle can be ascertained by the GPS 210 and in accordance with the digital road map the speed restrictions of the road being navigated can be determined.
- a real time determination can be made regarding the velocity of the vehicle and whether it is breaking the posted speed limit, with an according effect on insurance rate.
- a digital road map (not shown) can be stored at the insurance provider system 135 and data provided by the GPS 210 can be analyzed by the insurance provider system 135 , vehicle velocity determined and the insurance rate affected accordingly.
- system 300 comprises a mobile device 105 and on-board monitoring system 125 in communication with an insurance provider system 135 .
- the on-board monitoring system 125 further comprises a vehicle control component 310 which can be employed to ensure the vehicle is being operated in a safe manner.
- the insurance provider system 135 further comprises an identification component 320 , an authentication component 330 , an evaluation/authorization component 340 , along with a storage device 350 containing driver account information database(s) to identify a driver and control their operation of a vehicle as required.
- system 300 can include a third party system 360 which includes account information database 370 .
- user identification information can be retrieved from the mobile device 105 and forwarded to the identification component 320 .
- user identification information can comprise of an IMSI number retrieved from a SIM (not shown) located on the mobile device 105 , e.g., in device ID 160 .
- the identification component 320 can access storage device 350 , retrieve any user account information contained therein that is associated with the IMSI number, and, using the retrieved information, identify the user associated with the mobile device 105 and accordingly the prospective driver of vehicle 130 (ref. FIG. 1 ).
- a unique identifier e.g., IMSI number
- the registration process can involve a driver informing their insurance provider of the IMSI number associated with their personal cell phone (mobile device 105 ), along with any other pertinent information such as address of the driver, social security number, insurance policy number, etc.
- the respective account information can be stored in the database 350 and retrieved during the initialization of the on-board monitoring system 125 , such as when the mobile device 105 is being communicatively associated with the on-board monitoring system 125 .
- the identification component 320 can be incorporated into the on-board monitoring system 125 to provision user identification (not shown). Including the identification component in the on-board monitoring system 125 allows the identification process to be conducted local to the vehicle where the on-board monitoring system 125 identifies the driver and then conducts authentication, evaluation and authorization in conjunction with the insurance provider system 135 , as described supra. In an alternative embodiment, the identification, authentication, evaluation and authorization processes, as described supra, could be performed by various components located on the on-board monitoring system 125 .
- the driver information can be stored locally on the on-board monitoring system 125 and during association of mobile device 105 with the on-board monitoring system 125 the on-board monitoring system 125 confirms the identity of the driver and informs the insurance provider system 135 that driver having identity X is about to operate the vehicle associated with the on-board monitoring system 125 .
- the mobile device 105 could include a connector (not shown), the connector is inserted into a receptacle (not shown) located on the on-board monitoring system.
- the connector can comprise of a unique arrangement of connectors (e.g., copper strips) which can be used to uniquely identify the mobile device 105 and the driver associated therewith.
- the on-board monitoring system 125 can include a bar-code reader or magnetic strip reader, and when a card employing the appropriate technology is swiped through the reader the driver is identified.
- the on-board monitoring device 125 can include a bio-metric device that allows a driver to be identified by their voice signature, iris-scan, fingerprint, or other bio-metric method suitable to identify the driver.
- the driver identification information can be compared with identification information stored in a database 370 of a third party system 360 associated with the mobile device 105 , e.g., a cell phone service provider database, and the driver information is compared with a list(s) of phone customers/subscribers or other pertinent information stored by the cell phone system provider.
- the third party system 360 and database 370 can be any suitable information provider which can be used to identify a driver.
- an authentication process can be performed. In one embodiment this may involve an authentication process of comparing shared digital key information between a digital key stored on the mobile device 105 with a digital key stored in the on-board monitoring system 125 .
- a digital key stored on the mobile device 105 can be compared with a second digital key stored in a database 350 associated with the insurance system or, alternatively, a database 370 associated with the service provider of the mobile device 105 , e.g., in the case where the mobile device 105 is a cell phone, the second digital key could be provided by the cell phone service provider.
- the digital keys can be part of a symmetric shared key system (public key) or the digital keys can be part of an asymmetric shared key system (public-private keys).
- the driver may have to enter authentication information, e.g., type a password, say a password, etc., on an input device associated with the on-board monitoring system 125 , where such an input device could be the mobile device 105 keypad/touchscreen or a keypad/touchscreen attached to the on-board monitoring system 125 .
- the authentication process can be performed by an authentication component 330 located at the insurance provider, e.g., the authentication component 330 compares the private key employed by a mobile device 105 and a public key stored for the user of mobile device 105 in the account information database 350 .
- an authentication component (not shown) can be located in the on-board monitoring system 125 , in the mobile device 105 , or other suitable location within the system to provision user authentication. Authentication can be in any form including digital key comparison, password entry, bio-metric data, etc.
- the status of the driver can be evaluated and their ability to drive the vehicle authorized.
- the evaluation and authorization process can be performed by the evaluation/authorization component 340 located in the insurance provider system 135 .
- Such an evaluation can include generating evaluation queries such as “Is the driver deemed safe to drive the vehicle?”, “Is the driver deemed safe to drive the other passengers in the vehicle?”, “Is the driver authorized to drive the vehicle?”.
- a particular evaluation query could be determining whether a particular driver is authorized to drive a vehicle in a company fleet, and more particularly, whether the driver is authorized to drive a particular vehicle from the fleet of company vehicles?
- Another query could be to determine whether a driver is allowed to drive with a particular passenger in the vehicle, e.g., parents do not want their child in a vehicle being driven by a driver whom they deem to be a dangerous driver.
- Another example could be to evaluate whether the driver has sufficient insurance to drive a particular vehicle, where, in the event that they do not have sufficient coverage, the driver is informed that they must obtain suitable insurance coverage to drive the vehicle.
- a vehicle control component 310 can be employed to immobilize the vehicle associated with the on-board monitoring system 125 . Also, the prospective driver can be informed of their negative evaluation status with the status information being conveyed to them via an output device (not shown) located on their mobile device 105 , the on-board monitoring system 125 , or other suitable means available to the user and/or installed in the vehicle.
- the vehicle control component 310 can be in communication with the vehicle ECU (not shown) and forwards signals/data/information to the ECU instructing the ECU to prevent operation of the vehicle engine.
- the ECU controls the ignition circuit preventing ignition, or the signal received by the ECU when the automatic gearshift is in park could be overridden by the vehicle control component 310 thereby preventing the associated circuitry from allowing ignition of the engine to occur, etc.
- a device can be installed in a vehicle to measure the blood alcohol content (BAC) of a driver, such a device can be a breathalyzer or other ignition interlock device, for example.
- BAC blood alcohol content
- the on-board monitoring system 125 in conjunction with the evaluation/authorization component 340 can be communicatively associated with a breathalyzer and monitor how often a driver fails the breath test with gathered data being utilized by components of the insurance provider system 135 (e.g., the dynamic rate determination component 155 ) as part of the insurance rate determination process.
- the vehicle control component 310 in conjunction with the vehicle ECU, in response to a BAC being too high, could immobilize the vehicle.
- the driver After the driver has been identified, authenticated (as required) and favorably evaluated (as required) the driver can proceed to drive the vehicle and monitoring of their driving is conducted.
- the on-board monitoring system 125 can also be part of a wider ranging system that includes positional feedback to the vehicle and allowed actions based thereon.
- the position of the vehicle can be determined using the GPS 210 (see FIG. 2 ) which can be entered into a “mesh” system where the “mesh” comprises other vehicles, information of the various roads, streets, highways, etc., in terms of speed limits, etc., as well as the operation of any traffic signals.
- an interface associated with the on-board monitoring system 125 can inform the driver that they are attempting to make an illegal turn, with the vehicle control component 310 being employed to apply the brakes to the vehicle so preventing the driver from making the prohibited turn.
- the on-board monitoring system 125 , the GPS 210 and the vehicle control component 310 can be employed to control the speed of the vehicle.
- An on-board digital map (not shown) could be included in the on-board monitoring system 125 , which in conjunction with the location of the vehicle being pinpointed by GPS 210 the speed limit restriction of the road being navigated can be determined and the speed of the vehicle controlled accordingly by the vehicle control component 310 to comply with the speed limit.
- the vehicle control component 310 can be disabled, but the speed of the vehicle versus the posted speed limit can analyzed to determine whether the driver is speeding and insurance rates can be dynamically generated.
- the on-board monitoring system 125 can receive input from “intelligent” road signs.
- the intelligent road signs could transmit the speed limit which they have been placed to enforce.
- the on-board monitoring system 125 can receive speed limit data transmitted from the intelligent road sign and, if the vehicle is determined to be speeding, the driver can be informed of the fact that they are speeding, the resulting effect on their insurance premium, and/or the vehicle control component 310 can be employed to reduce the speed of the vehicle to the respective speed limit by, for example, reducing the engine revolutions per minute, dropping a gear, applying the brakes, etc.
- the driver/vehicle can be incorporated into a mesh network of other drivers to allow awareness of other drivers and conditions, e.g., indication of how fast an oncoming vehicle is approaching, whether the vehicle is in the drivers blind spot, etc.
- Information associated with the GPS 210 in association with the “mesh” system can be employed to assist other drivers. For example, if a vehicle has stopped or is driving below the speed limit the driver can be prompted to indicate what might be the reason for their slow/impeded progress. Via an interface associated with the on-board monitoring system 125 , or the mobile device 105 , the user can respond by selecting the appropriate reason from a list of reasons, e.g., “stuck in traffic jam”. Such feedback can be gathered and any other drivers who might be heading in the direction of the traffic jam can be prompted about the traffic jam, and if required, find an alternative route.
- reasons e.g., “stuck in traffic jam”.
- the on-board monitoring system 125 can also be employed to assist with reconstruction of accidents. By reviewing the data gathered by real-time data gathering system 100 it is possible to determine how the vehicle was being driven prior to an accident. Data can be retrieved from the on-board monitoring system 125 , buffer 270 or from the insurance provider system 135 and analyzed. The analysis can assist in determining who was at fault in the accident, whether a vehicle was speeding, cell phone usage, had the driver made a prohibited turn?, etc. Such data analysis could greatly enhance the insurance accident investigation allowing the insurance claims assessor to expeditiously assess the accident, make insurance payouts and any claims associated with the accident, forward information that might be of use to the law and legal professions, etc. The savings realized by the insurance company could be employed to offset the costs of implementing the real time monitoring system 100 to the insurance customer.
- a common complaint from owners of multiple vehicles is that they are paying to insure all the vehicles they own and yet they can only drive one vehicle at any given time.
- a proportional insurance rate system can be implemented based upon which vehicle(s) they drove in a given time period. For example, a person owns a sports car and a family van. Typically, a sports car has a higher insurance rate than a family van, but the owner drives the family van on weekdays and the sports car on weekends.
- Employing a ratio based system to determine the insurance premium could result in a 5:2 ratio of family van usage versus sports car usage, however this system is effectively based on the vehicle owner accurately identifying when they use the respective vehicles.
- the insurance coverage can be adjusted in real-time depending upon which vehicle is being driven, where it is being driven, applying insurance rates for city, highway, unsafe neighborhood, etc., all being applied in real-time.
- an insurance premium that more accurately reflects the vehicle usage can be generated.
- insurance rates can be based on vehicle usage, if a vehicle sits idle for an extended period the coverage could be adjusted to reflect that. For example, a vehicle sits in a garage during the winter months, only fire and theft insurance coverage need be paid during that time period.
- a mobile device 105 can be a major source of distraction for a driver, with accounts being commonplace of accidents resulting from the driver not paying attention to the road while using mobile device 105 (for example, texting/talking on a cell phone, entering information into a PDA, laptop, or the like).
- a knowledge base can built on the driver's attention during driving and appropriate insurance rate determined and charged. For example, limited or no cell phone usage during driving has a lower insurance premium than a driver who frequently talks on a cell phone while driving.
- a log of cell phone usage can be compiled at the on-board monitoring system 125 and/or at the insurance provider system 135 .
- systems 100 , 200 and 300 present the on-board monitoring system 125 and mobile device 105 interacting with a single insurance provider system 135
- the proposed embodiments are not so limited. It is envisioned that information gathered by the on-board monitoring system 125 in conjunction with the mobile device 105 can be shared amongst a plurality of insurance provider systems 135 . Such an approach allows the plurality of insurance providers to analyze the gathered information, determine an insurance rate(s) based upon the gathered information and present the determined rates to the driver to which the gathered information pertains thereby allowing the driver to select one insurance provider over another based upon the particulars of the insurance prospectus and quotes.
- the insurance provider can present their insurance prospectus and quotes to the driver in real-time by employing a display device associated with mobile device 105 or the on-board monitoring system 125 .
- a real-time system can allow a driver to use more than one insurance firm throughout the course of a journey. For example, if the driver is partaking in a transcontinental journey they can take advantage of rates offered by a plurality of insurance companies during the journey, while driving through the U.S. Mid-West the driver could use insurance from company X, and while driving in the Central U.S. company Y may offer better insurance rates.
- the on-board monitoring system 125 can include an intelligent insurance selection component (not shown) which can review the insurance rates being offered by a plurality of insurance companies and automatically select, in real-time, the best insurance plan. Selection can be based on any factors that determine insurance coverage costs including driving habits, vehicle being driven, location, driver, etc. Further, an insurance company can send information to the user for review at a later date either by traditional means such as by regular mail or electronically for presentation by the remote monitoring system 260 .
- an intelligent insurance selection component (not shown) which can review the insurance rates being offered by a plurality of insurance companies and automatically select, in real-time, the best insurance plan. Selection can be based on any factors that determine insurance coverage costs including driving habits, vehicle being driven, location, driver, etc. Further, an insurance company can send information to the user for review at a later date either by traditional means such as by regular mail or electronically for presentation by the remote monitoring system 260 .
- the driver can agree to having all or part of the information gathered by the real-time insurance systems 100 , 200 , and 300 , be passed on to third party vendors. By agreeing to the dissemination of their information a corresponding reduction in their insurance rates can be realized or other benefit could be conferred to the driver.
- the travel destination(s) and route(s) therebetween can be forwarded to an advertising/marketing company which can forward information regarding businesses in the vicinity of the destination(s) and route(s) to the driver, where, for example, such a business could be a restaurant located at or near the destination.
- the various aspects can employ various machine learning and reasoning techniques (e.g., Artificial Intelligence based schemes, rules based schemes, and so forth) for carrying out various aspects thereof.
- a process for determining a reduction (or increase) in insurance premiums can be facilitated through an automatic classifier system and process.
- the identification component 320 , the authentication component 330 , and the evaluation/authorization component 340 can, either individually or in combination, employ artificial intelligence (AI) techniques as part of the process of identifying and authorizing a driver of a vehicle.
- AI artificial intelligence
- the on-board monitoring system 125 can use AI to infer such information as proposed route, real-time selection of insurance coverage, driving habits of the driver, operating condition of a vehicle, etc.
- Such classification can employ a probabilistic and/or statistical-based analysis (e.g., factoring into the analysis utilities and costs) to prognose or infer an action that a user desires to be automatically performed.
- a support vector machine is an example of a classifier that can be employed.
- the SVM operates by finding a hypersurface in the space of possible inputs, which hypersurface attempts to split the triggering criteria from the non-triggering events. Intuitively, this makes the classification correct for testing data that is near, but not identical to training data.
- Other directed and undirected model classification approaches include, e.g., na ⁇ ve Bayes, Bayesian networks, decision trees, neural networks, fuzzy logic models, and probabilistic classification models providing different patterns of independence can be employed. Classification as used herein also is inclusive of statistical regression that is utilized to develop models of priority.
- the one or more aspects can employ classifiers that are explicitly trained (e.g., through a generic training data) as well as implicitly trained (e.g., by observing user behavior, receiving extrinsic information).
- SVM's are configured through a learning or training phase within a classifier constructor and feature selection module.
- the classifier(s) can be used to automatically learn and perform a number of functions, including but not limited to determining according to a predetermined criteria when to grant access, which stored procedure to execute, etc.
- the criteria can include, but is not limited to, the amount of data or resources to access through a call, the type of data, the importance of the data, etc.
- an implementation scheme e.g., rule
- a user can establish a rule that can require a trustworthy flag and/or certificate to allow automatic monitoring of information in certain situations whereas, other resources in accordance with some aspects may not require such security credentials. It is to be appreciated that any preference can be facilitated through pre-defined or pre-programmed in the form of a rule. It is to be appreciated that the rules-based logic described can be employed in addition to or in place of the artificial intelligence based components described.
- FIG. 4 presents an example methodology 400 for the installation of a real-time insurance system.
- an on-board monitoring system is installed in a vehicle to facilitate the collection of real-time data from the vehicle and forwarding of the real-time data to an insurance provider.
- the on-board monitoring system can be associated with the on-board data/diagnostic control units and system(s) incorporated into the vehicle.
- the on-board data/diagnostic control units and system(s) can include the vehicles engine control unit/module (ECU/ECM), transmission control unit (TCU), powertrain control unit (PCU), on-board diagnostics (OBD), sensors and processors associated with the transmission system, and other aspects of the vehicle allowing the on-board monitoring system to gather sufficient data from the vehicle for a determination of how the vehicle is being driven to be made.
- the on-board monitoring system can be communicatively coupled by hard wiring to the on-board diagnostic system(s) or the systems can be communicatively associated using wireless technologies.
- a mobile device e.g., a cell phone
- the mobile device can facilitate communication between the on-board monitoring system with a remote insurance provider system.
- the mobile device provides identification information to the on-board monitoring system to be processed by the on-board monitoring system or forwarded an insurance provider system to enable identification of the driver.
- communications are established between the on-board monitoring system and the mobile device with the remote insurance provider system.
- the on-board monitoring system and the insurance provider system are owned and operated by the same insurance company.
- the system could be less restricted whereby the insurance provider system is accessible by a plurality of insurance companies with the operator of the on-board monitoring system, e.g., the driver of the vehicle to which the on-board monitoring system is attached, choosing from the plurality of insurance providers available for their particular base coverage.
- the insurance provider system upon startup of the system can default to the insurance company providing the base coverage and the operator can select from other insurance companies as they require.
- an example methodology 500 is shown for initializing on-board monitoring for a real-time insurance system and authenticating/authorizing a driver.
- mobile device e.g., a cell phone
- an on-board monitoring system e.g., a cell phone
- information is retrieved from the mobile device to allow identification of the driver.
- the information can be retrieved by an on-board monitoring system and compared with driver information stored therein.
- the information can be transmitted to an external system where the identification information is compared with driver information stored therein.
- the information could be forwarded to a system associated with an insurance company and compared with a list of registered/known drivers.
- the identification information could be forwarded to a database associated with the cell phone system provider and compared with the list of subscribers or similar information stored therein.
- the driver can be authenticated to confirm the identity of the driver. In one embodiment this may involve an authentication process of comparing shared digital key information between a digital key on the cell phone with a digital key stored in the on-board monitoring system. Alternatively a cell phone digital key can be compared with a key stored in a database associated with the insurance system or, alternatively, a database associated with the cell phone service provider. In an alternative embodiment the driver may have to enter authentication information, e.g., a password, on an input device associated with the on-board monitoring system, where such an input device could be the cell phone keypad/touchscreen or a keypad/touchscreen attached to the on-board monitoring system.
- authentication information e.g., a password
- the status of the driver can be evaluated through the use of a query/evaluation process.
- the query can be of any grammatical form to generate a suitable response thereto. Such a query could be one of the following or the like . . . “Is the driver deemed safe to drive the vehicle?”, “Is the driver deemed safe to drive the other passengers?”, “Is the driver authorized to drive the vehicle?”, “Is the driver authorized to drive that particular vehicle from the fleet of company vehicles?”
- the vehicle in response to negative feedback to the query/evaluation of the driver, the vehicle can be immobilized to prevent usage of the vehicle by the negatively evaluated driver.
- the driver can be informed that they are not allowed to drive the vehicle, where the information is forwarded by any suitable means.
- the driver can be informed by a message displayed on the cell phone, via a display component associated with the on-board monitoring system, or a remote device suitable to display the evaluation information.
- a favorably evaluated driver is allowed to drive the vehicle.
- FIG. 6 illustrates an example methodology 600 for gathering information from an on-board monitoring system employed in a real-time insurance system.
- Monitoring can employ components of an on-board monitoring system, mobile device components, e.g., cell phone system, or any other system components associated with monitoring the vehicle as it is being driven.
- Such components can include a global positioning system (GPS) to determine the location of the vehicle at any given time, such a GPS can be located in a cell phone, as part of the on-board monitoring system, or an external system coupled to the monitoring system/cell phone—such an external system being an OEM or after sales GPS associated with the vehicle to be/being driven.
- GPS global positioning system
- a video data stream can be gathered from a video camera coupled to the on-board monitoring system recording the road conditions, etc. throughout the journey. Information can also be gathered from monitoring/control system(s) that are integral to the vehicle, e.g., the vehicle's engine control unit/module (ECU/ECM) that monitors various sensors located throughout the engine, fuel and exhaust systems, etc.
- ECU/ECM engine control unit/module
- the dynamically gathered data is transmitted to an insurance evaluation system.
- the gathered data is analyzed. Such analysis can involve identifying the route taken by the driver, the speed driven, time of day the journey was undertaken, weather conditions during the journey, other road traffic, did the user use their cell phone during the journey?, and the like.
- the gathered data is assessed from which an insurance rate(s) can be determined. For example, if the driver drove above the speed limit then an appropriate determination could be to increase the insurance premium.
- the driver can be informed of the newly determined insurance rate.
- Any suitable device can be employed such as informing the user by cell phone, a display device associated with the on-board monitoring system, or another device associated with the vehicle. The information can be conveyed in a variety of ways, including a text message, a verbal message, graphical presentation, change of light emitting diodes (LED's) on a display unit, a HUD, etc.
- the driver can continue to drive the vehicle whereby the method can return to 602 where the data gathering is commenced once more. Alternatively, at 612 , the driver may complete their journey and data gathering and analysis is completed.
- the driver can be presented with new insurance rates based upon the data gathered while they were driving the vehicle.
- the new insurance rates can be delivered and presented to the driver by any suitable means, for example the new insurance rates and any pertinent information can be forwarded and presented to the driver via a HUD employed as part of the real time data gathering system.
- a HUD employed as part of the real time data gathering system.
- the on-board monitoring system can be used, or a remote computer/presentation device coupled to the real time data gathering system where the information is forwarded to the driver via, e.g., email.
- the driver can access a website, hosted by a respective insurance company, where the driver can view their respective rates/gathered information/analysis system, etc.
- traditional means of communication such as a letter can be used to forward the insurance information to the driver.
- FIG. 7 illustrates an example methodology 700 for determining insurance rates based upon vehicle usage.
- vehicle usage information is obtained for a driver.
- the driver owns a plurality of vehicles and wants to have their insurance rates to be based upon the how much they drive each respective vehicle.
- an owner who owns a number of vehicles has to pay a substantially higher insurance premium than someone who only owns a single vehicle.
- the multiple vehicle owner feels aggrieved that they are paying a seemingly disproportionate amount.
- By employing the real time insurance system it is possible to gather information based upon when the driver was driving each particular vehicle and determine an insurance rate based thereon.
- the usage for each vehicle is assessed and, accordingly, at 706 , based upon the assessed usage an insurance rate for the multiple vehicles can be determined. For example, it is determines that the driver only drives the vehicle (vehicle A) with the highest insurance premium approx 10% of the time, while the vehicle (vehicle B) with the lower insurance premium is driven the remaining 90%. Based on such information an insurance rate can be determined comprising of 0.1 (vehicle A insurance premium)+0.9(vehicle B insurance premium).
- the determined insurance premium based upon actual vehicle usage is forwarded to the driver/owner of the vehicles.
- the vehicle usage at 702 can indicate how much a particular vehicle is driven and for how long it is in a garage. For example, in the Great Lakes region of the continental USA an owner of a vintage vehicle may choose to place the vehicle in storage during the winter months and hence only wants to have insurance to cover when the vehicle is being driven in the summer.
- the system 800 includes one or more client(s) 802 .
- the client(s) 802 can be hardware and/or software (e.g., threads, processes, computing devices).
- the client(s) 802 can house cookie(s) and/or associated contextual information by employing the specification, for example.
- the system 800 also includes one or more server(s) 804 .
- the server(s) 804 can also be hardware and/or software (e.g., threads, processes, computing devices).
- the servers 804 can house threads to perform transformations by employing the specification, for example.
- One possible communication between a client 802 and a server 804 can be in the form of a data packet adapted to be transmitted between two or more computer processes.
- the data packet can include a cookie and/or associated contextual information, for example.
- the system 800 includes a communication framework 806 (e.g., a global communication network such as the Internet) that can be employed to facilitate communications between the client(s) 802 and the server(s) 804 .
- a communication framework 806 e.g., a global communication network such as the Internet
- Communications can be facilitated via a wired (including optical fiber) and/or wireless technology.
- the client(s) 802 are operatively connected to one or more client data store(s) 808 that can be employed to store information local to the client(s) 802 (e.g., cookie(s) and/or associated contextual information).
- the server(s) 804 are operatively connected to one or more server data store(s) 810 that can be employed to store information local to the servers 804 .
- FIG. 9 there is illustrated a block diagram of a computer operable to execute the disclosed architecture.
- FIG. 9 and the following discussion are intended to provide a brief, general description of a suitable computing environment 900 in which the various aspects of the specification can be implemented. While the specification has been described above in the general context of computer-executable instructions that can run on one or more computers, those skilled in the art will recognize that the specification also can be implemented in combination with other program modules and/or as a combination of hardware and software.
- program modules include routines, programs, components, data structures, etc., that perform particular tasks or implement particular abstract data types.
- inventive methods can be practiced with other computer system configurations, including single-processor or multiprocessor computer systems, minicomputers, mainframe computers, as well as personal computers, hand-held computing devices, microprocessor-based or programmable consumer electronics, and the like, each of which can be operatively coupled to one or more associated devices.
- Computer-readable media can be any available media that can be accessed by the computer and includes both volatile and nonvolatile media, removable and non-removable media.
- Computer-readable media can comprise computer storage media and communication media.
- Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data.
- Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disk (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can be accessed by the computer.
- Communication media typically embody computer-readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism, and includes any information delivery media.
- modulated data signal means a signal that has one or more of its characteristics set or changed in such a manner as to encode information in the signal.
- communication media include wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared and other wireless media. Combinations of the any of the above should also be included within the scope of computer-readable media.
- the example environment 900 for implementing various aspects of the specification includes a computer 902 , the computer 902 including a processing unit 904 , a system memory 906 and a system bus 908 .
- the system bus 908 couples system components including, but not limited to, the system memory 906 to the processing unit 904 .
- the processing unit 904 can be any of various commercially available processors or proprietary specific configured processors. Dual microprocessors and other multi-processor architectures can also be employed as the processing unit 904 .
- the computer 902 further includes an internal hard disk drive (HDD) 914 (e.g., EIDE, SATA), which internal hard disk drive 914 can also be configured for external use in a suitable chassis (not shown), a magnetic floppy disk drive (FDD) 916 , (e.g., to read from or write to a removable diskette 918 ) and an optical disk drive 920 , (e.g., reading a CD-ROM disk 922 or, to read from or write to other high capacity optical media such as the DVD).
- the hard disk drive 914 , magnetic disk drive 916 and optical disk drive 920 can be connected to the system bus 908 by a hard disk drive interface 924 , a magnetic disk drive interface 926 and an optical drive interface 928 , respectively.
- the interface 924 for external drive implementations includes at least one or both of Universal Serial Bus (USB) and IEEE 1394 interface technologies. Other external drive connection technologies are within contemplation of the subject specification.
- the drives and their associated computer-readable media provide nonvolatile storage of data, data structures, computer-executable instructions, and so forth.
- the drives and media accommodate the storage of any data in a suitable digital format.
- computer-readable media refers to a HDD, a removable magnetic diskette, and a removable optical media such as a CD or DVD, it should be appreciated by those skilled in the art that other types of media which are readable by a computer, such as zip drives, magnetic cassettes, flash memory cards, cartridges, and the like, can also be used in the example operating environment, and further, that any such media can contain computer-executable instructions for performing the methods of the specification.
- a number of program modules can be stored in the drives and RAM 912 , including an operating system 930 , one or more application programs 932 , other program modules 934 and program data 936 . All or portions of the operating system, applications, modules, and/or data can also be cached in the RAM 912 . It is appreciated that the specification can be implemented with various proprietary or commercially available operating systems or combinations of operating systems.
- a user can enter commands and information into the computer 902 through one or more wired/wireless input devices, e.g., a keyboard 938 and a pointing device, such as a mouse 940 .
- Other input devices can include a microphone, an IR remote control, a joystick, a game pad, a stylus pen, touch screen, or the like.
- These and other input devices are often connected to the processing unit 904 through an input device interface 942 that is coupled to the system bus 908 , but can be connected by other interfaces, such as a parallel port, an IEEE 1394 serial port, a game port, a USB port, an IR interface, etc.
- a monitor 944 or other type of display device is also connected to the system bus 908 via an interface, such as a video adapter 946 .
- a computer typically includes other peripheral output devices (not shown), such as speakers, printers, etc.
- the computer 902 can operate in a networked environment using logical connections via wired and/or wireless communications to one or more remote computers, such as a remote computer(s) 948 .
- the remote computer(s) 948 can be a workstation, a server computer, a router, a personal computer, portable computer, microprocessor-based entertainment appliance, a peer device or other common network node, and typically includes many or all of the elements described relative to the computer 902 , although, for purposes of brevity, only a memory/storage device 950 is illustrated.
- the logical connections depicted include wired/wireless connectivity to a local area network (LAN) 952 and/or larger networks, e.g., a wide area network (WAN) 954 .
- LAN and WAN networking environments are commonplace in offices and companies, and facilitate enterprise-wide computer networks, such as intranets, all of which can connect to a global communications network, e.g., the Internet.
- the computer 902 When used in a LAN networking environment, the computer 902 is connected to the local network 952 through a wired and/or wireless communication network interface or adapter 956 .
- the adapter 956 can facilitate wired or wireless communication to the LAN 952 , which can also include a wireless access point disposed thereon for communicating with the wireless adapter 956 .
- the computer 902 can include a modem 958 , or is connected to a communications server on the WAN 954 , or has other means for establishing communications over the WAN 954 , such as by way of the Internet.
- the modem 958 which can be internal or external and a wired or wireless device, is connected to the system bus 908 via the input device interface 942 .
- program modules depicted relative to the computer 902 can be stored in the remote memory/storage device 950 . It will be appreciated that the network connections shown are example and other means of establishing a communications link between the computers can be used.
- the computer 902 is operable to communicate with any wireless devices or entities operatively disposed in wireless communication, e.g., a printer, scanner, desktop and/or portable computer, portable data assistant, communications satellite, any piece of equipment or location associated with a wirelessly detectable tag (e.g., a kiosk, news stand, restroom), and telephone.
- any wireless devices or entities operatively disposed in wireless communication e.g., a printer, scanner, desktop and/or portable computer, portable data assistant, communications satellite, any piece of equipment or location associated with a wirelessly detectable tag (e.g., a kiosk, news stand, restroom), and telephone.
- the communication can be a predefined structure as with a conventional network or simply an ad hoc communication between at least two devices.
- Wi-Fi Wireless Fidelity
- Wi-Fi is a wireless technology similar to that used in a cell phone that enables such devices, e.g., computers, to send and receive data indoors and out; anywhere within the range of a base station.
- Wi-Fi networks use radio technologies called IEEE 802.11 (a, b, g, etc.) to provide secure, reliable, fast wireless connectivity.
- IEEE 802.11 a, b, g, etc.
- a Wi-Fi network can be used to connect computers to each other, to the Internet, and to wired networks (which use IEEE 802.3 or Ethernet).
- Wi-Fi networks operate in the unlicensed 2.4 and 5 GHz radio bands, at an 11 Mbps (802.11a) or 54 Mbps (802.11b) data rate, for example, or with products that contain both bands (dual band), so the networks can provide real-world performance similar to the basic 10 BaseT wired Ethernet networks used in many offices.
- the terms to “infer” or “inference” refer generally to the process of reasoning about or deducing states of the system, environment, and/or user from a set of observations as captured via events and/or data. Inference can be employed to identify a specific context or action, or can generate a probability distribution over states, for example. The inference can be probabilistic-that is, the computation of a probability distribution over states of interest based on a consideration of data and events. Inference can also refer to techniques employed for composing higher-level events from a set of events and/or data. Such inference results in the construction of new events or actions from a set of observed events and/or stored event data, whether or not the events are correlated in close temporal proximity, and whether the events and data come from one or several event and data sources.
- the claimed subject matter can be implemented as a method, apparatus, or article of manufacture using standard programming and/or engineering techniques to produce software, firmware, hardware, or any combination thereof to control a computer to implement the disclosed subject matter.
- article of manufacture as used herein is intended to encompass a computer program accessible from any computer-readable device, carrier, or media.
- computer readable media can include but are not limited to magnetic storage devices (e.g., hard disk, floppy disk, magnetic strips . . . ), optical disks (e.g., compact disk (CD), digital versatile disk (DVD) . . . ), smart cards, and flash memory devices (e.g., card, stick, key drive . . . ).
- a carrier wave can be employed to carry computer-readable electronic data such as those used in transmitting and receiving electronic mail or in accessing a network such as the Internet or a local area network (LAN).
- LAN local area network
- the word “exemplary” is used herein to mean serving as an example, instance, or illustration. Any aspect or design described herein as “exemplary” is not necessarily to be construed as preferred or advantageous over other aspects or designs. Rather, use of the word exemplary is intended to disclose concepts in a concrete fashion.
- the term “or” is intended to mean an inclusive “or” rather than an exclusive “or”. That is, unless specified otherwise, or clear from context, “X employs A or B” is intended to mean any of the natural inclusive permutations. That is, if X employs A; X employs B; or X employs both A and B, then “X employs A or B” is satisfied under any of the foregoing instances.
- the articles “a” and “an” as used in this application and the appended claims should generally be construed to mean “one or more” unless specified otherwise or clear from context to be directed to a singular form.
Abstract
Description
- This application claims priority to U.S. Patent Application Ser. No. 61/118,400, filed on Nov. 26, 2008, entitled “INSURANCE OPTIMIZER AND REAL TIME ANALYTICS”, the entirety of which is incorporated herein by reference.
- The subject specification relates generally to insurance rates and in particular to disclosing real-time insurance rates to a vehicle operator.
- Insurance coverage is a commodity that many people purchase for peace of mind and/or because local laws require such coverage. Thus, most people might consider insurance as something that is necessary and, at times, undesirable due to high cost of insurance premiums. A person can pay an insurance premium at one instance for coverage over a block of time, such as making a payment semi-annually for six months of coverage. Once the premium is paid, the driver commonly does not think about insurance until the next payment is due or an incident occurs that brings the premium to the driver's consciousness (e.g., being in an automobile accident). With limited and infrequent thought to insurance premiums, drivers can be less likely to perform actions that are beneficial to lowering their premiums as well as their risk factor.
- Insurance companies calculate premiums for coverage through complex models based upon a variety of factors. The goal of these models is to determine a risk level associated with a driver or vehicle—based upon the risk level, an amount for the premium can be ascertained. Age, driver citation history, and other factors can be used in determining the risk level and thus ascertaining the amount for a premium.
- The following discloses a simplified summary of the specification in order to provide a basic understanding of some aspects of the specification. This summary is not an extensive overview of the specification. It is intended to neither identify key or critical elements of the specification nor delineate the scope of the specification. Its sole purpose is to disclose some concepts of the specification in a simplified form as a prelude to the more detailed description that is disclosed later.
- With the disclosed innovation, data regarding a driver's driving skills and habits can be obtained in real time. The data can be subsequently analyzed and an appropriate insurance rate determined. The insurance rate or other information pertaining to the driver's driving style can be forwarded to the driver in real time while they are still driving the vehicle thereby allowing the driver to adjust their driving technique, where such an adjustment can result in lower insurance rates being determined. Alternatively, the new insurance rates and associated data can be forwarded to the driver at a later time, e.g., upon completion of a journey.
- The driver is identified to an on-board monitoring system using a device that has unique identification information stored thereon to allow the driver to be uniquely identified. Such a device can be a cell phone, where the IMSI information stored on the cell phone SIM can be employed to identify the driver. Alternative embodiments, for example, can include a RFID device, cards with information stored in a magnetic strip, etc.
- The on-board monitoring system is in communication with an insurance provider system. Data gathered by the on-board monitoring system can be forwarded to the insurance provider, the data analyzed and an insurance rate determined. The determined rate can then be forwarded to the on-board monitoring system allowing the driver to see immediately what effect their driving style is having upon their insurance rate.
- An authentication process can be performed to ensure that the driver is who they say they are. In one embodiment, authentication can involve comparing shared digital keys between an identification device and the on-board monitoring system. In an alternative embodiment, an external database can be accessed and a shared digital key can be obtained to compare with one stored on a cell phone SIM.
- Authorization of the driver can be carried out, whereby once the driver has been identified, information is obtained as to whether the driver is allowed to drive a particular vehicle, for example, in a fleet of company vehicles. Alternatively, the driver may be deemed to be unsuitable for driving certain passengers in a vehicle and is thus prevented from driving them. The authorization process can include immobilization of a particular vehicle, and/or informing the driver that they are not able to drive that particular vehicle or certain passengers.
- A third party system and database can be accessed to facilitate identification of the driver. In one embodiment a database operated by the cell phone system provider can be queried and information identifying the owner of the cell phone accessed.
- A contextual system can be included that interacts with other applications such as a calendar on a cell phone. The contextual system can prompt the driver of an upcoming trip, e.g., to the airport, and allow them sufficient time to make the trip in a safe manner.
- A global positioning system GPS can be included in the system allowing the location of the driver and vehicle to be determined which can be forwarded to the insurance provider to allow rates based on location to be provided. An accelerometer can also be included to provide feedback regarding whether the driver is accelerating or braking excessively.
- Further, the on-board monitoring system can be connected to any on-board diagnostic system(s) available on the vehicle. Data received from the on-board diagnostic system can be employed to help determine how the vehicle is being driven, whether the driver and passengers are wearing their seatbelts, road worthiness of the vehicle, etc.
- Insurance rate determination applications can be installed and operating on the insurance provider system. Applications providing similar functionality, either in a comprehensive or limited manner, can be installed and operating local to the on-board monitoring system. The applications can be employed in conjunction with buffer memory such that in the event of communication failure between the on-board monitoring system and the insurance provider system any gathered/processed data can be stored in the buffer until communications are re-established and the data is downloaded to the respective device.
- The real-time insurance rate determination system can be incorporated into a “mesh” comprising of other drivers, GPS based location information, traffic systems, etc. The mesh allows the driver to interface with the transport infrastructure and have their attention drawn to speed limits, other vehicles, illegal maneuvers, etc.
- Data gathered by the on-board monitoring system, GPS, on-board diagnostic systems, etc., can be employed in the reconstruction of accidents, and if required, provided to legal entities for legal proceedings.
- Also, the real-time insurance determination system addresses the issue of drivers owning multiple vehicles and having to insure them all even though only one vehicle is driven at any given time. As the system is focused on the driver it is possible to determine an insurance coverage based upon the frequency with which each vehicle is driven.
- A cell phone can be used to identify a driver and provide a means for communication between the on-board monitoring system and the remote insurance provider system. Hence it is possible to determine whether the driver uses their cell phone while driving, e.g., they talk or send text with the cell phone while driving. Appropriate insurance rates can be charged based on cell phone usage.
- The driver can also opt to allow third party companies to have access to their data, allowing the third party companies to forward advertisements etc. that the third party company determines pertains to the driver based on their data.
- The insurance provider system can be available to a plurality of insurance companies allowing the driver to benefit from quotes the companies, where the driver can switch from one insurance coverage to another in real time.
- The following description and the annexed drawings set forth certain illustrative aspects of the specification. These aspects are indicative, however, of but a few of the various ways in which the principles of the specification can be employed. Other advantages and novel features of the specification will become apparent from the following detailed description of the specification when considered in conjunction with the drawings.
-
FIG. 1 illustrates a system for real-time monitoring of a driver to facilitate determination of insurance rate(s) in accordance with an aspect. -
FIG. 2 illustrates a system for real-time monitoring of a driver to enable determination of rate(s) of insurance in accordance with an aspect. -
FIG. 3 depicts a monitoring system in communication with an insurance provider system to facilitate operation of a vehicle in accordance with an aspect. -
FIG. 4 presents an example methodology for the installation of a real-time insurance system in accordance with an aspect. -
FIG. 5 illustrates a representative methodology for initializing on-board monitoring for a real-time insurance system and authenticating/authorizing a driver in accordance with an aspect. -
FIG. 6 illustrates an example methodology for gathering information from an on-board monitoring system employed in a real-time insurance system in accordance with an aspect. -
FIG. 7 illustrates anexample methodology 700 for determining insurance rates based upon vehicle usage in accordance with an aspect. -
FIG. 8 illustrates an example of a schematic block diagram of a computing environment in accordance with an aspect. -
FIG. 9 illustrates an example of a block diagram of a computer operable to execute the disclosed architecture. - The claimed subject matter is now described with reference to the drawings, wherein like reference numerals are used to refer to like elements throughout. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the claimed subject matter. It can be evident, however, that the claimed subject matter can be practiced without these specific details. In other instances, well-known structures and devices are shown in block diagram form in order to facilitate describing the claimed subject matter.
- As used in this application, the terms “component,” “module,” “system,” “interface,” or the like are generally intended to refer to a computer-related entity, either hardware, a combination of hardware and software, software, or software in execution. For example, a component can be, but is not limited to being, a process running on a processor, a processor, an object, an executable, a thread of execution, a program, and/or a computer. By way of illustration, both an application running on a controller and the controller can be a component. One or more components can reside within a process and/or thread of execution and a component can be localized on one computer and/or distributed between two or more computers. As another example, an interface can include I/O components as well as associated processor, application, and/or API components.
- Traditional methods of determining an insurance rate for a driver involves reviewing the driver's driving history (e.g., traffic violations in a particular period, age, location, and the like), the vehicle to be driven, location of the vehicle, etc., and generating an insurance rate based thereon. Rather than insuring each vehicle, the focus of insurance is placed upon the individual and real-time information generated reflecting the driver's driving habits/skills. The issue is how to identify a particular driver and associate them with the vehicle that they are driving? An individual may not only drive their vehicle but can also have access to and drive a family member's vehicle, friend's vehicle, corporate fleet vehicle, rental vehicle, etc. Therefore, it is of interest to be able to track and monitor the individual driver regardless of the vehicle they are driving. By gathering real-time data, insurance rates can be determined that are more representative of a driver's driving habits and skills than the conventional system of insurance rate determination based on such factors as number of traffic violations, e.g., speeding tickets, etc.
-
FIG. 1 illustrates asystem 100 for real-time monitoring of a driver to facilitate determination of insurance rate(s) based on various aspects as disclosed infra.System 100 includes an insurance policy holder,operator 110, utilizing amobile device 105 to associate theoperator 110 with an on-board monitoring system 125 and avehicle 130. By employing wireless communications, themobile device 105 is in communication with aninsurance provider system 135 via atransceiver 140 and acommunication component 145. Asvehicle 130 is being driven byoperator 110 the driver's driving habits, skills, route of travel, activity, etc., can be monitored by the on-board monitoring system 125 in conjunction with themobile device 105. The on-board monitoring system 125 monitors and gathersinformation regarding driver 110's driving skills, habits, etc. and forwards the information to theinsurance provider 135. Thecommunication component 145 can provide communication protocols, data conversion, etc., as necessary, to allow transmission of data and information between the on-board monitoring system 125, themobile device 105 and theinsurance provider system 135. Data received at theinsurance provider system 135 can be collected by anaggregation component 148. The aggregation component can compile received data to facilitate processing by thedata analysis component 150. Theinsurance provider 135 employs various analytical methods (by utilizing driving analysis component 150) to facilitate determination of an appropriate insurance rate and any other pertinent information concerning the driving habits of the driver. - Further, the
aggregation component 148 can obtain data from the various components ofsystem 100 to assist in the determination of insurance rates. Such components can include the on-board monitoring system 125,mobile device 105, the device ID 106, and/or thevehicle operator 110 with the obtained data being forwarded to the drivinganalysis component 150 and/or the dynamicrate determination component 155. Data can also be obtained from adatabase 160 which stores information pertaining to thevehicle operator 110, e.g., previous driving history, along with other data as required. Furthermore, theaggregation component 148 can obtain information as required from the insurance provider as well as any third party entities such as other insurance companies, parents of the vehicle operator, and the like. Theaggregation component 148 gathers information from as many sources as required to facilitate generation and presentation of insurance rate(s). Data gathered by theaggregation component 148 can also be forwarded from theinsurance provider system 135 to themobile device 105, on-board monitoring system 125, and any other components associated withsystem 100 to facilitate presentation of any pertinent data, e.g., insurance rates, to anoperator 110 or other interested party. - The
database 160 which can be employed to store any information gathered or generated by the various components ofsystem 100. Such information can include data gathered by the on-board monitoring system 125, information provided byoperator 110, information retrieved from themobile device 105 or information associated therewith, information collected or generated by the various components of theinsurance provider system 135, information provided by third party systems and/or users (not shown), and the like. Thedatabase 160 can be incorporated into theinsurance provider system 135, or reside in a third party system (not shown). It is to be appreciated that a wealth of data and information can be generated by the various components ofsystem 100, and database/memory components (not shown) can be distributed as required across thesystem 100 to facilitate collection, transmission, generation, evaluation, and determination of a variety of data to facilitate operation of the system. - The gathering of data by the on-
board monitoring system 125 can be in real-time thereby allowing the drivinganalysis component 150 to analyze the received data in real-time/near real-time and, accordingly, a dynamicrate determination component 155 to dynamically determine an insurance rate(s) based upon the gathered data and data analysis. The determined insurance rate(s) and any other pertinent information can be transmitted to themobile device 105 and/or on-board monitoring system 125 for presentation to the driver. The pertinent information and insurance rate(s) can be presented employing various communication devices incorporated into themobile device 105, the on-board monitoring system 125, or other system (not shown) located invehicle 130, where such communication devices include audio presentation, visual display such as a graphical interface, light emitting diode(s), head up display (HUD), or other suitable communication means. By employing such real-time/near real-time gathering, analysis, and rate determination, an insurance premium can be generated that reflects the driver's driving habits more closely than a traditional method such as determining a rate based upon a number of speeding tickets received by a driver in a given time period. - In an alternative embodiment any feedback information, e.g., determined insurance rate(s) or other pertinent information, can be presented via a remote system such as a personal computer (e.g., connected to the insurance system) (not shown) for viewing by the driver or other interested party. The insurance rate(s) can be calculated in real-time and as such can more accurately reflect appropriate coverage for a driver. A variety of different factors can influence a likelihood of the driver being involved in an accident, having a vehicle stolen, and the like. For example, if the driver is travelling through bad weather, then risk of accident can be higher and an insurance rate can be increased in real-time as weather conditions change—conversely, if there is relatively little traffic surrounding the driver's vehicle, then the rate can be lowered.
- It is to be appreciated that the terms “real-time” and “near real-time” are being utilized to convey the time taken to monitor, gather, transmit, process, present, etc., any data and information that facilitates determination of an insurance rate and driver feedback. The terms “real-time” and “near real-time” can be interposed to reflect the virtually instantaneous data collection and insurance rate determination in comparison with traditional methods of insurance rate determination and provision of the rate information to a customer via letter, phone, email, etc. The traditional methods of letter, phone, email, etc. can be employed to present insurance rates and information determined by the methods disclosed herein to the customer at a later time, e.g., upon completion of the journey.
- It is also to be appreciated that while the discussion relates to real time insurance determination in conjunction with an automobile, the innovation is not so limited and can be applied to any system involving a data gathering system employed to acquire information in real time and from the information insurance rates, financial coverage, and the like, can be determined in real time. Examples of other areas of application insurance of other transportation systems including boats, ships, motorbikes, trains, farm machinery, industrial machinery, trucks, and the like. Machinery can also be a suitable application with gathered information being employed to determine if the machinery has been operated in an appropriate manner (e.g., a safe manner) in accordance with the safe operation of the machine, operations manuals, and the like.
- It is to further be appreciated that while the preceding discussion relates to the on-
board monitoring system 125 communicating with theinsurance provider 135 viamobile device 105,transceiver 140, andcommunication component 145, the disclosed system is not so limited. In an alternative embodiment, the on-board monitoring system 125 can include a wireless communication system (not shown) facilitating direct communications between the on-board monitoring system 125 and theinsurance provider 135, viatransceiver 140. Any suitable combination and location of communication means can be employed to facilitate communications between the various system components. Also, it is understood that while not shown, the on-board monitoring system 125 can include any equipment required to facilitate communication of data, where the equipment can include processor(s), memory, communication components and associated applications and protocols, etc., as necessary. Further, it is to be appreciated that by employing atransceiver 140 to communicate between the on-board monitoring system 125 and theinsurance provider system 135, the variety of communication protocols and techniques employed by thesystem 100 can be extended beyond those supported by themobile device 105. Such communication techniques can, for example, include wireless, wired, cellular, WiFi, WiMax, WiLAN, satellite, etc. - The
mobile device 105 can be any suitable device that can have information stored thereon or can be associated with information that uniquely identifies an individual. Such devices include mobile phones, cellphones, personal digital assistant (PDA), laptops, portable computer devices, and the like. - Any suitable device to assist in identifying a driver can be employed in conjunction with the on-
board monitoring system 125. The suitable device can comprise of, but not limited to, any combination of an interface to locate with the on-board monitoring system 125, a memory for storing device/user identification, one or more applications employed as part of the monitoring process, a processor to implement the application(s), process any data, store new data, etc., a transceiver to transmit or receive data as required in performing the monitoring process, display/communication device(s) to convey information to the driver, and input device(s) to allow the user to interact with presented information and provide feedback, e.g., such feedback could be acceptance of a new insurance rate or entering of a password for authentication purposes. - A range of methods and systems can be utilized to allow a driver to be associated with a vehicle. In one embodiment, as shown in
FIG. 1 , adevice ID component 160 associated with themobile device 105 can be employed to identifymobile device 105 and, accordingly, the owner or user ofmobile device 105. In one embodiment, thedevice ID component 160 can be a Subscriber Identity Module (SIM) card in a driver's cell phone and the information stored thereon can be utilized to identify the driver. A SIM card can store a variety of identification information such as an International Mobile Subscriber Identity (IMSI) or an integrated circuit card ID (ICC-ID), for example. Other identifiers for other network and communication systems can be employed to identify a device, such as the International Mobile Equipment Identity (IMEI) number associated with a cell phone. Alternatively, a Willcom-SIM (W-SIM) device or the like could be employed, where the SIM card effectively has its own transceiver located thereon. - In an alternative embodiment a device employing RFID technology can be employed to allow the on-
board monitoring system 125 to identify a driver. The driver can place the RFID enabled device within transmission range of the on-board monitoring device 125, whereupon identification and authentication information can be read from the RFID and employed by the on-board monitoring system 125 to identify and, if required, authenticate the driver. Such an RFID device can be carried by the driver as a smart-card or as a key-fob, for example. A similar approach can be employed withmobile devices 105 utilizing other ranged wireless systems such as Bluetooth, IEEE 802.11 (a, b, g, etc.), and the like. - In another embodiment, the driver identification information could be stored on a card incorporating magnetic strip technology whereupon the driver swipes the card through a card reader associated with the onboard monitoring system to facilitate identification and authentication of the driver. Alternatively, information could be stored and represented as a barcode which is presented to a barcode scanner (not shown) associated with the on-
board monitoring system 125 and the information stored in the barcode is read. - The
mobile device 105 and the on-board monitoring system 125 can be updated via hardwire e.g., connecting themobile device 105 or on-board monitoring system 125 to a computer etc. to install/upgrade software which can be downloaded from the internet. Alternatively, the upgrade can be transmitted to themobile device 105 or the on-board monitoring system 125 by wireless means. As a further alternative, while the on-board monitoring system 125 is shown as a separate system, the on-board monitoring system 125 could be incorporated into themobile device 105, for example, as a plug-in module. - It is to be appreciated that the
mobile device 105 employed by the driver as part of thesystem 100 can comprise of any combination of components that allow gathering, processing, transmission, presentation, evaluation, determination of insurance rates and any pertinent information, and any components to assist and enable the identification of the driver to theinsurance provider system 135. -
FIG. 2 illustrates asystem 200 for real-time monitoring of a driver to facilitate determination of rate(s) of insurance.System 200 illustrates communications between an on-board monitoring system 125 and an external system such as theinsurance provider system 135 being conducted via themobile device 105.System 200 also comprises aGPS 210 providing location information, anaccelerometer 220, and an on-board diagnostics system 230 which can provide information regarding how a vehicle is being driven and the current condition of the vehicle. One or more camera's 240 can be located onboard the vehicle to gather visual data throughout the vehicle journey. Further,system 200 includes acontext component 250 providing scheduling information to a user and abuffer 270 for storing data. Along with information and communication being exchanged between the on-board monitoring system 125/mobile device 105 and theinsurance provider 135, aremote monitoring system 260 can be employed to interact with theinsurance provider system 135, the on-board monitoring system 125 and/or themobile device 105. Theremote monitoring system 260 can comprise of any device suitable to facilitate presentation of information and means for allowing a user to interact with the information and the various components ofsystems remote monitoring system 260 can be communicatively coupled to theinsurance provider system 135, with theinsurance provider system 135 forwarding information to theremote monitoring system 260 as it is received from the on-board monitoring system 125, themobile device 105, or after it has been processed by theinsurance provider system 135. Alternatively, theremote monitoring system 260 can be in direct communication with themobile device 105 and/or the on-board monitoring system 125 and receives information directly therefrom, and provides feedback and/or instructions thereto. - The
GPS 210 and theaccelerometer 220 can be located in themobile device 105, the on-board monitoring system 125, or external to, but in communication with themobile device 105 and/or the on-board monitoring system 125. TheGPS 210 provides information regarding the location of the respective device to which it is communicatively coupled. TheGPS 210 could be located in themobile device 105 thereby allowing the location of the user (e.g., a driver) ofmobile device 105 to be determined when themobile device 105 is local to the user, and accordingly, when themobile device 105 is associated with the on-board monitoring system 125 the location of vehicle 130 (not shown) to be determined. For example, in a situation where someone drives a vehicle belonging to someone else, e.g., a child drives a vehicle belonging to their parent the parent can employ theGPS 210 either via themobile device 105 or in conjunction with the on-board monitoring system 125 to keep track of the location of their child as the child conducts their journey. Location information can be forwarded to theinsurance provider system 135 for processing as part of an insurance rate determination, and also presented to the parent, via theremote monitoring system 260. TheGPS 210 can provide feedback regarding the current location of the driver, which can be employed to monitor the past/present/future location of a driver. Continuing with the example above, the location of the child can be monitored by a parent, via theremote monitoring system 260, to ensure they are going where they said they were going, the neighborhood currently being driven through, etc. Information provided by theGPS 210 can be processed and employed to assist in directing a driver to go via a safer route, avoid congestion, etc. The information provided by theGPS 210 can be presented to a remote user via theremote monitoring system 260, and instructions can be entered into theremote monitoring system 260 by a remote user and provided to the driver via themobile device 105, on-board monitoring system 125, or other suitable device available to the driver and/or installed in the vehicle. -
Accelerometer 220 can be employed to monitor the rate of acceleration/deceleration of the vehicle being driven, with the captured data being employed by theinsurance provider system 135 as part of a determination of insurance rate. Alerts can be generated if a driver is/has been driving in a dangerous manner, e.g., accelerating or braking excessively, and presented to a person monitoring the driver via themonitoring system 260. For example, if a child is overly accelerating a parent's vehicle, the parent can be informed via theremote monitoring system 260, of the child's driving style and appropriate action taken, such as calling the child to tell them to not accelerate excessively. Alternatively, the parent can be informed that the child is speeding or that they are going through a “bad” neighborhood and corrective action is required. - The on-
board monitoring system 125 can be associated with, and obtain information from, an on-board data system 230. The on-board data system 230 can include an engine control unit/module (ECU/ECM) located on vehicle 130 (seeFIG. 1 ) that monitors various sensors located throughout the engine, fuel, and exhaust systems to control various aspects of the vehicles internal combustion engine operation. The on-board data system 230 can also include a transmission control unit (TCU), powertrain control module (PCM, which can be a combined ECU/TCU), and other control units/on board diagnostic systems located in an automobile monitoring sensors associated with the transmission system, braking system, windows, doors, windscreen wipers, climate control, etc., and information obtained there from can allow the on-board monitoring system 125 to build an accurate picture of how the vehicle is being operated. In one example, the on-board monitoring system 125 can retrieve information from the on-board data system 230 regarding whether the driver and any other occupants of the vehicle are wearing their seatbelts, and if seatbelts are not worn appropriate feedback can be provided indicating a reduction in insurance premium if the seatbelts were worn. The on-board monitoring system 125 can be hardwired to the on-board data system 230 via, in the context of one example, an on-board diagnostics (OBD) connector (e.g., an OBD-II connector) or similar connector/device. Alternatively, the on-board monitoring system 125 can be coupled to the on-board data system 230 using wireless technologies, such as Bluetooth, IEEE 802.11 (a, b, g, etc.), for example. - Further, the on-
board data system 230 can obtain information regarding the condition of thevehicle 130. In one example, if tire pressure is low, an inference can be made that there is a higher likelihood of an accident and thus the insurance rate should be increased. - One or
more video cameras 240 can be located on avehicle 130 to record visual information. In an embodiment comprising of asingle camera 240 the camera could be placed in thevehicle 130 to be forward facing to the direction of travel and captures visual information regarding the journey. Alternatively, a plurality ofcameras 240 can be located on thevehicle 130 allowing video to be acquired from a variety of viewpoints from thevehicle 130, e.g., a second camera can be recording information in a rearward viewpoint gathering information for use in accident analysis such as when the vehicle is reversing or has been involved in an accident, e.g., rear-ended. The visual data acquired by the camera can be streamed to theinsurance provider system 135 via the on-board monitoring system 125 and/ormobile device 105 for data analysis. Alternatively the acquired visual data can be stored local to thevehicle 130, before sending to theinsurance provider system 135, inmemory 260 associated with the on-board monitoring system and/or in memory (not shown) located with thevideo camera 240. The various memory buffers can be programmed to retain a specific amount of data, e.g., the last X minutes, or until the memory capacity is exceeded, whereupon the first stored video is replaced by most recently acquired video. The acquired video data can be used for a variety of purposes regarding collection of contextual data and/or analysis. Examples of such purposes include the video stream can be analyzed to assist in the determination of the current weather conditions (e.g., it is snowing, windscreen wipers are operating, etc.), during post-collision review the gathered video can be reviewed to determine cause of collision, blame, etc., and the like. - A
context component 250 can also comprise part of themobile device 105 and/or the on-board monitoring system 125, and interacts with other applications (not shown) such as a calendar application operating on themobile device 105. Thecontext component 250 can review the calendar entries and prompt the driver of an upcoming trip, e.g., to an airport. Thecontext component 250, in conjunction with a trip planner/geographic location application 280, can determine the amount of time required to complete the journey and prompt the driver sufficiently ahead of commencing the journey to allow the driver to make the trip in a safe manner. - A
memory buffer 270 can also be utilized by the on-board monitoring system 125 and/or themobile device 105. Owing to the possibility of lost wireless communications during a journey there may be occasions where the on-board monitoring system 125 and/ormobile device 105 are not able to communicate with theinsurance provider system 135. During such occasions, which can be of indeterminate duration, any data gathered by the on-board monitoring system 125 or themobile device 105 can be temporarily stored in thebuffer 270. Upon re-establishment of communications between theinsurance provider system 135, the on-board monitoring system 125 and/or themobile device 105, the data stored in the buffer can be downloaded to theinsurance provider system 135 for analysis and insurance rate determination. Employing thebuffer 270 allows data to be gathered and stored even though communications cannot be conducted between the various components of the real time data gathering system. Conversely, theinsurance provider system 135 can also include a buffer (not shown) which can be employed to store information generated by the various components of theinsurance provider system 135 during the communications outage and, upon re-establishment of communications, the information generated by theinsurance provider system 135 can be forwarded to the on-board monitoring system 125 and/or themobile device 105. The buffer on theinsurance provider system 135 can also be employed to store data to be transmitted to theremote monitoring system 260 in the event of communication outage therebetween, e.g., a network failure. - Further, the on-
board monitoring system 125 or themobile device 105 can include one or morelocal applications 280 to facilitate monitoring, processing, and generation of data for insurance purposes. Thelocal applications 280 can be substantially similar to any of the applications operating in the various components that comprisesystems more applications 280 functioning local to thevehicle 130, insurance rate information and feedback can be presented to a driver which can be beneficial when communications between the various components that comprisesystems local applications 280 can be employed to control what data is stored in thebuffer 270. To prevent data overflow of thebuffer 270, thelocal applications 280 can process the data as it is gathered thereby allowing the processed data to be stored as opposed to the raw data, where it is envisioned that the processed data occupies less memory than the raw data. - A
particular application 280 could be a digital road map which in conjunction with theGPS 210 and the on-board data system 230 can be used to assist in the determination of whether a vehicle is speeding. The position of a vehicle can be ascertained by theGPS 210 and in accordance with the digital road map the speed restrictions of the road being navigated can be determined. By comparing the designated speed limit of the road in comparison with the speed of the vehicle (e.g., obtained from the on-board data system 230) a real time determination can be made regarding the velocity of the vehicle and whether it is breaking the posted speed limit, with an according effect on insurance rate. Alternatively, a digital road map (not shown) can be stored at theinsurance provider system 135 and data provided by theGPS 210 can be analyzed by theinsurance provider system 135, vehicle velocity determined and the insurance rate affected accordingly. - Turning to
FIG. 3 ,system 300 comprises amobile device 105 and on-board monitoring system 125 in communication with aninsurance provider system 135. The on-board monitoring system 125 further comprises avehicle control component 310 which can be employed to ensure the vehicle is being operated in a safe manner. Theinsurance provider system 135 further comprises anidentification component 320, anauthentication component 330, an evaluation/authorization component 340, along with astorage device 350 containing driver account information database(s) to identify a driver and control their operation of a vehicle as required. Further,system 300 can include athird party system 360 which includesaccount information database 370. - During start up of the on-
board monitoring system 125, which can include associating themobile device 105 with the on-board monitoring system 125, various methods can be employed to identify and authenticate the user associated withmobile device 105. In one embodiment, user identification information can be retrieved from themobile device 105 and forwarded to theidentification component 320. Such user identification information can comprise of an IMSI number retrieved from a SIM (not shown) located on themobile device 105, e.g., indevice ID 160. Theidentification component 320 can accessstorage device 350, retrieve any user account information contained therein that is associated with the IMSI number, and, using the retrieved information, identify the user associated with themobile device 105 and accordingly the prospective driver of vehicle 130 (ref.FIG. 1 ). - To enable the correlation of a unique identifier (e.g., IMSI number) to identify an individual, associated with
mobile device 105 and driver data stored indatabase 350 some form of registration process may have previously been performed. The registration process, for example, can involve a driver informing their insurance provider of the IMSI number associated with their personal cell phone (mobile device 105), along with any other pertinent information such as address of the driver, social security number, insurance policy number, etc. The respective account information can be stored in thedatabase 350 and retrieved during the initialization of the on-board monitoring system 125, such as when themobile device 105 is being communicatively associated with the on-board monitoring system 125. - Alternatively, the
identification component 320 can be incorporated into the on-board monitoring system 125 to provision user identification (not shown). Including the identification component in the on-board monitoring system 125 allows the identification process to be conducted local to the vehicle where the on-board monitoring system 125 identifies the driver and then conducts authentication, evaluation and authorization in conjunction with theinsurance provider system 135, as described supra. In an alternative embodiment, the identification, authentication, evaluation and authorization processes, as described supra, could be performed by various components located on the on-board monitoring system 125. - In an alternative embodiment, the driver information can be stored locally on the on-
board monitoring system 125 and during association ofmobile device 105 with the on-board monitoring system 125 the on-board monitoring system 125 confirms the identity of the driver and informs theinsurance provider system 135 that driver having identity X is about to operate the vehicle associated with the on-board monitoring system 125. For example, themobile device 105 could include a connector (not shown), the connector is inserted into a receptacle (not shown) located on the on-board monitoring system. The connector can comprise of a unique arrangement of connectors (e.g., copper strips) which can be used to uniquely identify themobile device 105 and the driver associated therewith. Alternatively, the on-board monitoring system 125 can include a bar-code reader or magnetic strip reader, and when a card employing the appropriate technology is swiped through the reader the driver is identified. In an alternative embodiment, the on-board monitoring device 125 can include a bio-metric device that allows a driver to be identified by their voice signature, iris-scan, fingerprint, or other bio-metric method suitable to identify the driver. - In another embodiment the driver identification information can be compared with identification information stored in a
database 370 of athird party system 360 associated with themobile device 105, e.g., a cell phone service provider database, and the driver information is compared with a list(s) of phone customers/subscribers or other pertinent information stored by the cell phone system provider. Alternatively, thethird party system 360 anddatabase 370 can be any suitable information provider which can be used to identify a driver. - To ensure the identity of the driver an authentication process can be performed. In one embodiment this may involve an authentication process of comparing shared digital key information between a digital key stored on the
mobile device 105 with a digital key stored in the on-board monitoring system 125. Alternatively, a digital key stored on themobile device 105 can be compared with a second digital key stored in adatabase 350 associated with the insurance system or, alternatively, adatabase 370 associated with the service provider of themobile device 105, e.g., in the case where themobile device 105 is a cell phone, the second digital key could be provided by the cell phone service provider. The digital keys can be part of a symmetric shared key system (public key) or the digital keys can be part of an asymmetric shared key system (public-private keys). In an alternative embodiment the driver may have to enter authentication information, e.g., type a password, say a password, etc., on an input device associated with the on-board monitoring system 125, where such an input device could be themobile device 105 keypad/touchscreen or a keypad/touchscreen attached to the on-board monitoring system 125. The authentication process can be performed by anauthentication component 330 located at the insurance provider, e.g., theauthentication component 330 compares the private key employed by amobile device 105 and a public key stored for the user ofmobile device 105 in theaccount information database 350. Alternatively, an authentication component (not shown) can be located in the on-board monitoring system 125, in themobile device 105, or other suitable location within the system to provision user authentication. Authentication can be in any form including digital key comparison, password entry, bio-metric data, etc. - At any time during or after the identification and authentication processes (as required) are being performed, the status of the driver can be evaluated and their ability to drive the vehicle authorized. The evaluation and authorization process can be performed by the evaluation/
authorization component 340 located in theinsurance provider system 135. Such an evaluation can include generating evaluation queries such as “Is the driver deemed safe to drive the vehicle?”, “Is the driver deemed safe to drive the other passengers in the vehicle?”, “Is the driver authorized to drive the vehicle?”. A particular evaluation query could be determining whether a particular driver is authorized to drive a vehicle in a company fleet, and more particularly, whether the driver is authorized to drive a particular vehicle from the fleet of company vehicles? Another query could be to determine whether a driver is allowed to drive with a particular passenger in the vehicle, e.g., parents do not want their child in a vehicle being driven by a driver whom they deem to be a dangerous driver. Another example could be to evaluate whether the driver has sufficient insurance to drive a particular vehicle, where, in the event that they do not have sufficient coverage, the driver is informed that they must obtain suitable insurance coverage to drive the vehicle. - In response to a negative evaluation being returned by the evaluation/
authorization component 340, to prevent the vehicle being driven by a negatively evaluated driver, avehicle control component 310 can be employed to immobilize the vehicle associated with the on-board monitoring system 125. Also, the prospective driver can be informed of their negative evaluation status with the status information being conveyed to them via an output device (not shown) located on theirmobile device 105, the on-board monitoring system 125, or other suitable means available to the user and/or installed in the vehicle. In one embodiment, thevehicle control component 310 can be in communication with the vehicle ECU (not shown) and forwards signals/data/information to the ECU instructing the ECU to prevent operation of the vehicle engine. For example, the ECU controls the ignition circuit preventing ignition, or the signal received by the ECU when the automatic gearshift is in park could be overridden by thevehicle control component 310 thereby preventing the associated circuitry from allowing ignition of the engine to occur, etc. - In another embodiment a device (not shown) can be installed in a vehicle to measure the blood alcohol content (BAC) of a driver, such a device can be a breathalyzer or other ignition interlock device, for example. Each time a driver wishes to drive the vehicle they have to pass a BAC test administered by the device. The on-
board monitoring system 125 in conjunction with the evaluation/authorization component 340 can be communicatively associated with a breathalyzer and monitor how often a driver fails the breath test with gathered data being utilized by components of the insurance provider system 135 (e.g., the dynamic rate determination component 155) as part of the insurance rate determination process. In another aspect thevehicle control component 310 in conjunction with the vehicle ECU, in response to a BAC being too high, could immobilize the vehicle. - After the driver has been identified, authenticated (as required) and favorably evaluated (as required) the driver can proceed to drive the vehicle and monitoring of their driving is conducted.
- The on-
board monitoring system 125 can also be part of a wider ranging system that includes positional feedback to the vehicle and allowed actions based thereon. For example, the position of the vehicle can be determined using the GPS 210 (seeFIG. 2 ) which can be entered into a “mesh” system where the “mesh” comprises other vehicles, information of the various roads, streets, highways, etc., in terms of speed limits, etc., as well as the operation of any traffic signals. If a traffic signal is on red and the junction has a “No Right Turn On Red” limitation, if the driver attempts to make the right turn while the light is on red, an interface associated with the on-board monitoring system 125 can inform the driver that they are attempting to make an illegal turn, with thevehicle control component 310 being employed to apply the brakes to the vehicle so preventing the driver from making the prohibited turn. By employing the on-board monitoring system 125 and thevehicle control component 310 in such a manner the likelihood of a driver making an erroneous/potentially dangerous maneuver can be reduced thereby reducing the likelihood of an accident and accordingly minimizing insurance premiums. - The on-
board monitoring system 125, theGPS 210 and thevehicle control component 310 can be employed to control the speed of the vehicle. An on-board digital map (not shown) could be included in the on-board monitoring system 125, which in conjunction with the location of the vehicle being pinpointed byGPS 210 the speed limit restriction of the road being navigated can be determined and the speed of the vehicle controlled accordingly by thevehicle control component 310 to comply with the speed limit. Alternatively, thevehicle control component 310 can be disabled, but the speed of the vehicle versus the posted speed limit can analyzed to determine whether the driver is speeding and insurance rates can be dynamically generated. - The on-
board monitoring system 125 can receive input from “intelligent” road signs. The intelligent road signs could transmit the speed limit which they have been placed to enforce. The on-board monitoring system 125 can receive speed limit data transmitted from the intelligent road sign and, if the vehicle is determined to be speeding, the driver can be informed of the fact that they are speeding, the resulting effect on their insurance premium, and/or thevehicle control component 310 can be employed to reduce the speed of the vehicle to the respective speed limit by, for example, reducing the engine revolutions per minute, dropping a gear, applying the brakes, etc. By employing the real-time monitoring system the driver/vehicle can be incorporated into a mesh network of other drivers to allow awareness of other drivers and conditions, e.g., indication of how fast an oncoming vehicle is approaching, whether the vehicle is in the drivers blind spot, etc. - Information associated with the
GPS 210 in association with the “mesh” system can be employed to assist other drivers. For example, if a vehicle has stopped or is driving below the speed limit the driver can be prompted to indicate what might be the reason for their slow/impeded progress. Via an interface associated with the on-board monitoring system 125, or themobile device 105, the user can respond by selecting the appropriate reason from a list of reasons, e.g., “stuck in traffic jam”. Such feedback can be gathered and any other drivers who might be heading in the direction of the traffic jam can be prompted about the traffic jam, and if required, find an alternative route. - The on-
board monitoring system 125 can also be employed to assist with reconstruction of accidents. By reviewing the data gathered by real-timedata gathering system 100 it is possible to determine how the vehicle was being driven prior to an accident. Data can be retrieved from the on-board monitoring system 125, buffer 270 or from theinsurance provider system 135 and analyzed. The analysis can assist in determining who was at fault in the accident, whether a vehicle was speeding, cell phone usage, had the driver made a prohibited turn?, etc. Such data analysis could greatly enhance the insurance accident investigation allowing the insurance claims assessor to expeditiously assess the accident, make insurance payouts and any claims associated with the accident, forward information that might be of use to the law and legal professions, etc. The savings realized by the insurance company could be employed to offset the costs of implementing the realtime monitoring system 100 to the insurance customer. - A common complaint from owners of multiple vehicles is that they are paying to insure all the vehicles they own and yet they can only drive one vehicle at any given time. By monitoring vehicle usage of driver in real-time a proportional insurance rate system can be implemented based upon which vehicle(s) they drove in a given time period. For example, a person owns a sports car and a family van. Typically, a sports car has a higher insurance rate than a family van, but the owner drives the family van on weekdays and the sports car on weekends. Employing a ratio based system to determine the insurance premium could result in a 5:2 ratio of family van usage versus sports car usage, however this system is effectively based on the vehicle owner accurately identifying when they use the respective vehicles. Alternatively, with the subject invention, the insurance coverage can be adjusted in real-time depending upon which vehicle is being driven, where it is being driven, applying insurance rates for city, highway, unsafe neighborhood, etc., all being applied in real-time. By monitoring actual usage of each vehicle, an insurance premium that more accurately reflects the vehicle usage can be generated. Also, insurance rates can be based on vehicle usage, if a vehicle sits idle for an extended period the coverage could be adjusted to reflect that. For example, a vehicle sits in a garage during the winter months, only fire and theft insurance coverage need be paid during that time period.
- Another concern is the attention of a driver while driving a vehicle. Usage of a
mobile device 105 can be a major source of distraction for a driver, with accounts being commonplace of accidents resulting from the driver not paying attention to the road while using mobile device 105 (for example, texting/talking on a cell phone, entering information into a PDA, laptop, or the like). In one embodiment, where themobile device 105 is a cell phone, by monitoring real-time usage of the cell phone while driving, a knowledge base can built on the driver's attention during driving and appropriate insurance rate determined and charged. For example, limited or no cell phone usage during driving has a lower insurance premium than a driver who frequently talks on a cell phone while driving. A log of cell phone usage can be compiled at the on-board monitoring system 125 and/or at theinsurance provider system 135. - It is to be appreciated that while
systems board monitoring system 125 andmobile device 105 interacting with a singleinsurance provider system 135, the proposed embodiments are not so limited. It is envisioned that information gathered by the on-board monitoring system 125 in conjunction with themobile device 105 can be shared amongst a plurality ofinsurance provider systems 135. Such an approach allows the plurality of insurance providers to analyze the gathered information, determine an insurance rate(s) based upon the gathered information and present the determined rates to the driver to which the gathered information pertains thereby allowing the driver to select one insurance provider over another based upon the particulars of the insurance prospectus and quotes. The insurance provider can present their insurance prospectus and quotes to the driver in real-time by employing a display device associated withmobile device 105 or the on-board monitoring system 125. Such a real-time system can allow a driver to use more than one insurance firm throughout the course of a journey. For example, if the driver is partaking in a transcontinental journey they can take advantage of rates offered by a plurality of insurance companies during the journey, while driving through the U.S. Mid-West the driver could use insurance from company X, and while driving in the Central U.S. company Y may offer better insurance rates. The on-board monitoring system 125 can include an intelligent insurance selection component (not shown) which can review the insurance rates being offered by a plurality of insurance companies and automatically select, in real-time, the best insurance plan. Selection can be based on any factors that determine insurance coverage costs including driving habits, vehicle being driven, location, driver, etc. Further, an insurance company can send information to the user for review at a later date either by traditional means such as by regular mail or electronically for presentation by theremote monitoring system 260. - The driver can agree to having all or part of the information gathered by the real-
time insurance systems - The various aspects (e.g., in connection with insurance) can employ various machine learning and reasoning techniques (e.g., Artificial Intelligence based schemes, rules based schemes, and so forth) for carrying out various aspects thereof. For example, a process for determining a reduction (or increase) in insurance premiums can be facilitated through an automatic classifier system and process. The
identification component 320, theauthentication component 330, and the evaluation/authorization component 340 can, either individually or in combination, employ artificial intelligence (AI) techniques as part of the process of identifying and authorizing a driver of a vehicle. The on-board monitoring system 125 can use AI to infer such information as proposed route, real-time selection of insurance coverage, driving habits of the driver, operating condition of a vehicle, etc. - A classifier is a function that maps an input attribute vector, x=(x1, x2, x3, x4, xn), to a confidence that the input belongs to a class, that is, f(x)=confidence(class). Such classification can employ a probabilistic and/or statistical-based analysis (e.g., factoring into the analysis utilities and costs) to prognose or infer an action that a user desires to be automatically performed.
- A support vector machine (SVM) is an example of a classifier that can be employed. The SVM operates by finding a hypersurface in the space of possible inputs, which hypersurface attempts to split the triggering criteria from the non-triggering events. Intuitively, this makes the classification correct for testing data that is near, but not identical to training data. Other directed and undirected model classification approaches include, e.g., naïve Bayes, Bayesian networks, decision trees, neural networks, fuzzy logic models, and probabilistic classification models providing different patterns of independence can be employed. Classification as used herein also is inclusive of statistical regression that is utilized to develop models of priority.
- As will be readily appreciated from the subject specification, the one or more aspects can employ classifiers that are explicitly trained (e.g., through a generic training data) as well as implicitly trained (e.g., by observing user behavior, receiving extrinsic information). For example, SVM's are configured through a learning or training phase within a classifier constructor and feature selection module. Thus, the classifier(s) can be used to automatically learn and perform a number of functions, including but not limited to determining according to a predetermined criteria when to grant access, which stored procedure to execute, etc. The criteria can include, but is not limited to, the amount of data or resources to access through a call, the type of data, the importance of the data, etc.
- In accordance with an alternate aspect, an implementation scheme (e.g., rule) can be applied to control and/or regulate insurance premiums, real time monitoring, and associated aspects. It will be appreciated that the rules-based implementation can automatically and/or dynamically gather and process information based upon a predefined criterion.
- By way of example, a user can establish a rule that can require a trustworthy flag and/or certificate to allow automatic monitoring of information in certain situations whereas, other resources in accordance with some aspects may not require such security credentials. It is to be appreciated that any preference can be facilitated through pre-defined or pre-programmed in the form of a rule. It is to be appreciated that the rules-based logic described can be employed in addition to or in place of the artificial intelligence based components described.
-
FIG. 4 , presents anexample methodology 400 for the installation of a real-time insurance system. At 402 an on-board monitoring system is installed in a vehicle to facilitate the collection of real-time data from the vehicle and forwarding of the real-time data to an insurance provider. At 404 the on-board monitoring system can be associated with the on-board data/diagnostic control units and system(s) incorporated into the vehicle. The on-board data/diagnostic control units and system(s) can include the vehicles engine control unit/module (ECU/ECM), transmission control unit (TCU), powertrain control unit (PCU), on-board diagnostics (OBD), sensors and processors associated with the transmission system, and other aspects of the vehicle allowing the on-board monitoring system to gather sufficient data from the vehicle for a determination of how the vehicle is being driven to be made. The on-board monitoring system can be communicatively coupled by hard wiring to the on-board diagnostic system(s) or the systems can be communicatively associated using wireless technologies. - At 406 a mobile device, e.g., a cell phone, can be associated with the on-board monitoring system where the mobile device can facilitate communication between the on-board monitoring system with a remote insurance provider system. The mobile device provides identification information to the on-board monitoring system to be processed by the on-board monitoring system or forwarded an insurance provider system to enable identification of the driver.
- At 408 communications are established between the on-board monitoring system and the mobile device with the remote insurance provider system. In one embodiment it is envisaged that the on-board monitoring system and the insurance provider system are owned and operated by the same insurance company. However, the system could be less restricted whereby the insurance provider system is accessible by a plurality of insurance companies with the operator of the on-board monitoring system, e.g., the driver of the vehicle to which the on-board monitoring system is attached, choosing from the plurality of insurance providers available for their particular base coverage. In such an embodiment, upon startup of the system the insurance provider system can default to the insurance company providing the base coverage and the operator can select from other insurance companies as they require.
- Over time, as usage of the on-board monitoring system continues, at 410, there is a likelihood that various aspects of the system might need to be updated or replaced, e.g., software update, hardware updates, etc., where the updates might be required for an individual insurance company system or to allow the on-board monitoring system to function with one or more other insurance company systems. Hardware updates may involve replacement of a piece of hardware with another, while software updates can be conducted by connecting the mobile device and/or the on-board monitoring system to the internet and downloading the software from a company website hosted thereon. Alternatively, the software upgrade can be transmitted to the mobile device or the on-board monitoring system by wireless means. As a further alternative the updates can be conferred to the mobile device or the on-board monitoring system by means of a plug-in module or the like, which can be left attached to the respective device or the software can be downloaded there from.
- Turning to
FIG. 5 , anexample methodology 500 is shown for initializing on-board monitoring for a real-time insurance system and authenticating/authorizing a driver. At 502 mobile device, e.g., a cell phone, is associated with an on-board monitoring system. It is to be appreciated that even while the method relates to the mobile device being a cell phone any device that facilitates storing, processing, and communication of information to allow a driver to be identified can be employed by the method. - At 504 information is retrieved from the mobile device to allow identification of the driver. The information can be retrieved by an on-board monitoring system and compared with driver information stored therein. In an alternative embodiment the information can be transmitted to an external system where the identification information is compared with driver information stored therein. For example, the information could be forwarded to a system associated with an insurance company and compared with a list of registered/known drivers. In an alternative embodiment the identification information could be forwarded to a database associated with the cell phone system provider and compared with the list of subscribers or similar information stored therein.
- At 506, as required, the driver can be authenticated to confirm the identity of the driver. In one embodiment this may involve an authentication process of comparing shared digital key information between a digital key on the cell phone with a digital key stored in the on-board monitoring system. Alternatively a cell phone digital key can be compared with a key stored in a database associated with the insurance system or, alternatively, a database associated with the cell phone service provider. In an alternative embodiment the driver may have to enter authentication information, e.g., a password, on an input device associated with the on-board monitoring system, where such an input device could be the cell phone keypad/touchscreen or a keypad/touchscreen attached to the on-board monitoring system.
- At 508, as required, the status of the driver can be evaluated through the use of a query/evaluation process. The query can be of any grammatical form to generate a suitable response thereto. Such a query could be one of the following or the like . . . “Is the driver deemed safe to drive the vehicle?”, “Is the driver deemed safe to drive the other passengers?”, “Is the driver authorized to drive the vehicle?”, “Is the driver authorized to drive that particular vehicle from the fleet of company vehicles?” At 510, in response to negative feedback to the query/evaluation of the driver, the vehicle can be immobilized to prevent usage of the vehicle by the negatively evaluated driver. At 512 the driver can be informed that they are not allowed to drive the vehicle, where the information is forwarded by any suitable means. For example, the driver can be informed by a message displayed on the cell phone, via a display component associated with the on-board monitoring system, or a remote device suitable to display the evaluation information. At 514, in response to a favorable outcome to the “OK to drive vehicle?” of 508, a favorably evaluated driver is allowed to drive the vehicle.
-
FIG. 6 , illustrates anexample methodology 600 for gathering information from an on-board monitoring system employed in a real-time insurance system. At 602, monitoring of the driver and the vehicle they are operating is commenced. Monitoring can employ components of an on-board monitoring system, mobile device components, e.g., cell phone system, or any other system components associated with monitoring the vehicle as it is being driven. Such components can include a global positioning system (GPS) to determine the location of the vehicle at any given time, such a GPS can be located in a cell phone, as part of the on-board monitoring system, or an external system coupled to the monitoring system/cell phone—such an external system being an OEM or after sales GPS associated with the vehicle to be/being driven. A video data stream can be gathered from a video camera coupled to the on-board monitoring system recording the road conditions, etc. throughout the journey. Information can also be gathered from monitoring/control system(s) that are integral to the vehicle, e.g., the vehicle's engine control unit/module (ECU/ECM) that monitors various sensors located throughout the engine, fuel and exhaust systems, etc. - At 604, the dynamically gathered data is transmitted to an insurance evaluation system. At 606, the gathered data is analyzed. Such analysis can involve identifying the route taken by the driver, the speed driven, time of day the journey was undertaken, weather conditions during the journey, other road traffic, did the user use their cell phone during the journey?, and the like. At 608, the gathered data is assessed from which an insurance rate(s) can be determined. For example, if the driver drove above the speed limit then an appropriate determination could be to increase the insurance premium. At 610, the driver can be informed of the newly determined insurance rate. Any suitable device can be employed such as informing the user by cell phone, a display device associated with the on-board monitoring system, or another device associated with the vehicle. The information can be conveyed in a variety of ways, including a text message, a verbal message, graphical presentation, change of light emitting diodes (LED's) on a display unit, a HUD, etc.
- At 612, the driver can continue to drive the vehicle whereby the method can return to 602 where the data gathering is commenced once more. Alternatively, at 612, the driver may complete their journey and data gathering and analysis is completed. At 614 the driver can be presented with new insurance rates based upon the data gathered while they were driving the vehicle. The new insurance rates can be delivered and presented to the driver by any suitable means, for example the new insurance rates and any pertinent information can be forwarded and presented to the driver via a HUD employed as part of the real time data gathering system. By employing a HUD instantaneous notifications regarding a change in the driver's insurance policy can be presented while mitigating driver distractions (e.g., line of sight remains substantially unchanged). Alternatively, the on-board monitoring system can be used, or a remote computer/presentation device coupled to the real time data gathering system where the information is forwarded to the driver via, e.g., email. In another embodiment, the driver can access a website, hosted by a respective insurance company, where the driver can view their respective rates/gathered information/analysis system, etc. Further, traditional means of communication such as a letter can be used to forward the insurance information to the driver.
-
FIG. 7 illustrates anexample methodology 700 for determining insurance rates based upon vehicle usage. At 702, vehicle usage information is obtained for a driver. In one example scenario the driver owns a plurality of vehicles and wants to have their insurance rates to be based upon the how much they drive each respective vehicle. Traditionally an owner who owns a number of vehicles has to pay a substantially higher insurance premium than someone who only owns a single vehicle. However, the multiple vehicle owner feels aggrieved that they are paying a seemingly disproportionate amount. By employing the real time insurance system it is possible to gather information based upon when the driver was driving each particular vehicle and determine an insurance rate based thereon. At 704, the usage for each vehicle is assessed and, accordingly, at 706, based upon the assessed usage an insurance rate for the multiple vehicles can be determined. For example, it is determines that the driver only drives the vehicle (vehicle A) with the highest insurance premium approx 10% of the time, while the vehicle (vehicle B) with the lower insurance premium is driven the remaining 90%. Based on such information an insurance rate can be determined comprising of 0.1 (vehicle A insurance premium)+0.9(vehicle B insurance premium). At 708, the determined insurance premium based upon actual vehicle usage is forwarded to the driver/owner of the vehicles. - In another embodiment of
methodology 700 the vehicle usage at 702 can indicate how much a particular vehicle is driven and for how long it is in a garage. For example, in the Great Lakes region of the continental USA an owner of a vintage vehicle may choose to place the vehicle in storage during the winter months and hence only wants to have insurance to cover when the vehicle is being driven in the summer. - For purposes of simplicity of explanation, methodologies that can be implemented in accordance with the disclosed subject matter were shown and described as a series of blocks. However, it is to be understood and appreciated that the claimed subject matter is not limited by the order of the blocks, as some blocks can occur in different orders and/or concurrently with other blocks from what is depicted and described herein. Moreover, not all illustrated blocks can be required to implement the methodologies described hereinafter. Additionally, it should be further appreciated that the methodologies disclosed throughout this specification are capable of being stored on an article of manufacture to facilitate transporting and transferring such methodologies to computers. The term article of manufacture, as used, is intended to encompass a computer program accessible from any computer-readable device, carrier, or media.
- Referring now to
FIG. 8 , there is illustrated a schematic block diagram of acomputing environment 800 in accordance with the subject specification. Thesystem 800 includes one or more client(s) 802. The client(s) 802 can be hardware and/or software (e.g., threads, processes, computing devices). The client(s) 802 can house cookie(s) and/or associated contextual information by employing the specification, for example. - The
system 800 also includes one or more server(s) 804. The server(s) 804 can also be hardware and/or software (e.g., threads, processes, computing devices). Theservers 804 can house threads to perform transformations by employing the specification, for example. One possible communication between aclient 802 and aserver 804 can be in the form of a data packet adapted to be transmitted between two or more computer processes. The data packet can include a cookie and/or associated contextual information, for example. Thesystem 800 includes a communication framework 806 (e.g., a global communication network such as the Internet) that can be employed to facilitate communications between the client(s) 802 and the server(s) 804. - Communications can be facilitated via a wired (including optical fiber) and/or wireless technology. The client(s) 802 are operatively connected to one or more client data store(s) 808 that can be employed to store information local to the client(s) 802 (e.g., cookie(s) and/or associated contextual information). Similarly, the server(s) 804 are operatively connected to one or more server data store(s) 810 that can be employed to store information local to the
servers 804. - Referring now to
FIG. 9 , there is illustrated a block diagram of a computer operable to execute the disclosed architecture. In order to provide additional context for various aspects of the subject specification,FIG. 9 and the following discussion are intended to provide a brief, general description of asuitable computing environment 900 in which the various aspects of the specification can be implemented. While the specification has been described above in the general context of computer-executable instructions that can run on one or more computers, those skilled in the art will recognize that the specification also can be implemented in combination with other program modules and/or as a combination of hardware and software. - Generally, program modules include routines, programs, components, data structures, etc., that perform particular tasks or implement particular abstract data types. Moreover, those skilled in the art will appreciate that the inventive methods can be practiced with other computer system configurations, including single-processor or multiprocessor computer systems, minicomputers, mainframe computers, as well as personal computers, hand-held computing devices, microprocessor-based or programmable consumer electronics, and the like, each of which can be operatively coupled to one or more associated devices.
- The illustrated aspects of the specification can also be practiced in distributed computing environments where certain tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules can be located in both local and remote memory storage devices.
- A computer typically includes a variety of computer-readable media. Computer-readable media can be any available media that can be accessed by the computer and includes both volatile and nonvolatile media, removable and non-removable media. By way of example, and not limitation, computer-readable media can comprise computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data. Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disk (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can be accessed by the computer.
- Communication media typically embody computer-readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism, and includes any information delivery media. The term “modulated data signal” means a signal that has one or more of its characteristics set or changed in such a manner as to encode information in the signal. By way of example, and not limitation, communication media include wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared and other wireless media. Combinations of the any of the above should also be included within the scope of computer-readable media.
- With reference again to
FIG. 9 , theexample environment 900 for implementing various aspects of the specification includes acomputer 902, thecomputer 902 including aprocessing unit 904, asystem memory 906 and asystem bus 908. Thesystem bus 908 couples system components including, but not limited to, thesystem memory 906 to theprocessing unit 904. Theprocessing unit 904 can be any of various commercially available processors or proprietary specific configured processors. Dual microprocessors and other multi-processor architectures can also be employed as theprocessing unit 904. - The
system bus 908 can be any of several types of bus structure that can further interconnect to a memory bus (with or without a memory controller), a peripheral bus, and a local bus using any of a variety of commercially available bus architectures. Thesystem memory 906 includes read-only memory (ROM) 910 and random access memory (RAM) 912. A basic input/output system (BIOS) is stored in anon-volatile memory 910 such as ROM, EPROM, EEPROM, which BIOS contains the basic routines that help to transfer information between elements within thecomputer 902, such as during start-up. TheRAM 912 can also include a high-speed RAM such as static RAM for caching data. - The
computer 902 further includes an internal hard disk drive (HDD) 914 (e.g., EIDE, SATA), which internalhard disk drive 914 can also be configured for external use in a suitable chassis (not shown), a magnetic floppy disk drive (FDD) 916, (e.g., to read from or write to a removable diskette 918) and anoptical disk drive 920, (e.g., reading a CD-ROM disk 922 or, to read from or write to other high capacity optical media such as the DVD). Thehard disk drive 914,magnetic disk drive 916 andoptical disk drive 920 can be connected to thesystem bus 908 by a harddisk drive interface 924, a magneticdisk drive interface 926 and anoptical drive interface 928, respectively. Theinterface 924 for external drive implementations includes at least one or both of Universal Serial Bus (USB) and IEEE 1394 interface technologies. Other external drive connection technologies are within contemplation of the subject specification. - The drives and their associated computer-readable media provide nonvolatile storage of data, data structures, computer-executable instructions, and so forth. For the
computer 902, the drives and media accommodate the storage of any data in a suitable digital format. Although the description of computer-readable media above refers to a HDD, a removable magnetic diskette, and a removable optical media such as a CD or DVD, it should be appreciated by those skilled in the art that other types of media which are readable by a computer, such as zip drives, magnetic cassettes, flash memory cards, cartridges, and the like, can also be used in the example operating environment, and further, that any such media can contain computer-executable instructions for performing the methods of the specification. - A number of program modules can be stored in the drives and
RAM 912, including anoperating system 930, one ormore application programs 932,other program modules 934 andprogram data 936. All or portions of the operating system, applications, modules, and/or data can also be cached in theRAM 912. It is appreciated that the specification can be implemented with various proprietary or commercially available operating systems or combinations of operating systems. - A user can enter commands and information into the
computer 902 through one or more wired/wireless input devices, e.g., akeyboard 938 and a pointing device, such as amouse 940. Other input devices (not shown) can include a microphone, an IR remote control, a joystick, a game pad, a stylus pen, touch screen, or the like. These and other input devices are often connected to theprocessing unit 904 through aninput device interface 942 that is coupled to thesystem bus 908, but can be connected by other interfaces, such as a parallel port, an IEEE 1394 serial port, a game port, a USB port, an IR interface, etc. - A
monitor 944 or other type of display device is also connected to thesystem bus 908 via an interface, such as avideo adapter 946. In addition to themonitor 944, a computer typically includes other peripheral output devices (not shown), such as speakers, printers, etc. - The
computer 902 can operate in a networked environment using logical connections via wired and/or wireless communications to one or more remote computers, such as a remote computer(s) 948. The remote computer(s) 948 can be a workstation, a server computer, a router, a personal computer, portable computer, microprocessor-based entertainment appliance, a peer device or other common network node, and typically includes many or all of the elements described relative to thecomputer 902, although, for purposes of brevity, only a memory/storage device 950 is illustrated. The logical connections depicted include wired/wireless connectivity to a local area network (LAN) 952 and/or larger networks, e.g., a wide area network (WAN) 954. Such LAN and WAN networking environments are commonplace in offices and companies, and facilitate enterprise-wide computer networks, such as intranets, all of which can connect to a global communications network, e.g., the Internet. - When used in a LAN networking environment, the
computer 902 is connected to thelocal network 952 through a wired and/or wireless communication network interface oradapter 956. Theadapter 956 can facilitate wired or wireless communication to theLAN 952, which can also include a wireless access point disposed thereon for communicating with thewireless adapter 956. - When used in a WAN networking environment, the
computer 902 can include amodem 958, or is connected to a communications server on theWAN 954, or has other means for establishing communications over theWAN 954, such as by way of the Internet. Themodem 958, which can be internal or external and a wired or wireless device, is connected to thesystem bus 908 via theinput device interface 942. In a networked environment, program modules depicted relative to thecomputer 902, or portions thereof, can be stored in the remote memory/storage device 950. It will be appreciated that the network connections shown are example and other means of establishing a communications link between the computers can be used. - The
computer 902 is operable to communicate with any wireless devices or entities operatively disposed in wireless communication, e.g., a printer, scanner, desktop and/or portable computer, portable data assistant, communications satellite, any piece of equipment or location associated with a wirelessly detectable tag (e.g., a kiosk, news stand, restroom), and telephone. This includes at least Wi-Fi and Bluetooth™ wireless technologies. Thus, the communication can be a predefined structure as with a conventional network or simply an ad hoc communication between at least two devices. - Wi-Fi, or Wireless Fidelity, allows connection to the Internet from a couch at home, a bed in a hotel room, or a conference room at work, without wires. Wi-Fi is a wireless technology similar to that used in a cell phone that enables such devices, e.g., computers, to send and receive data indoors and out; anywhere within the range of a base station. Wi-Fi networks use radio technologies called IEEE 802.11 (a, b, g, etc.) to provide secure, reliable, fast wireless connectivity. A Wi-Fi network can be used to connect computers to each other, to the Internet, and to wired networks (which use IEEE 802.3 or Ethernet). Wi-Fi networks operate in the unlicensed 2.4 and 5 GHz radio bands, at an 11 Mbps (802.11a) or 54 Mbps (802.11b) data rate, for example, or with products that contain both bands (dual band), so the networks can provide real-world performance similar to the basic 10 BaseT wired Ethernet networks used in many offices.
- The aforementioned systems have been described with respect to interaction among several components. It should be appreciated that such systems and components can include those components or sub-components specified therein, some of the specified components or sub-components, and/or additional components. Sub-components can also be implemented as components communicatively coupled to other components rather than included within parent components. Additionally, it should be noted that one or more components could be combined into a single component providing aggregate functionality. The components could also interact with one or more other components not specifically described herein but known by those of skill in the art.
- As used herein, the terms to “infer” or “inference” refer generally to the process of reasoning about or deducing states of the system, environment, and/or user from a set of observations as captured via events and/or data. Inference can be employed to identify a specific context or action, or can generate a probability distribution over states, for example. The inference can be probabilistic-that is, the computation of a probability distribution over states of interest based on a consideration of data and events. Inference can also refer to techniques employed for composing higher-level events from a set of events and/or data. Such inference results in the construction of new events or actions from a set of observed events and/or stored event data, whether or not the events are correlated in close temporal proximity, and whether the events and data come from one or several event and data sources.
- Furthermore, the claimed subject matter can be implemented as a method, apparatus, or article of manufacture using standard programming and/or engineering techniques to produce software, firmware, hardware, or any combination thereof to control a computer to implement the disclosed subject matter. The term “article of manufacture” as used herein is intended to encompass a computer program accessible from any computer-readable device, carrier, or media. For example, computer readable media can include but are not limited to magnetic storage devices (e.g., hard disk, floppy disk, magnetic strips . . . ), optical disks (e.g., compact disk (CD), digital versatile disk (DVD) . . . ), smart cards, and flash memory devices (e.g., card, stick, key drive . . . ). Additionally it should be appreciated that a carrier wave can be employed to carry computer-readable electronic data such as those used in transmitting and receiving electronic mail or in accessing a network such as the Internet or a local area network (LAN). Of course, those skilled in the art will recognize many modifications can be made to this configuration without departing from the scope or spirit of the claimed subject matter.
- Moreover, the word “exemplary” is used herein to mean serving as an example, instance, or illustration. Any aspect or design described herein as “exemplary” is not necessarily to be construed as preferred or advantageous over other aspects or designs. Rather, use of the word exemplary is intended to disclose concepts in a concrete fashion. As used in this application, the term “or” is intended to mean an inclusive “or” rather than an exclusive “or”. That is, unless specified otherwise, or clear from context, “X employs A or B” is intended to mean any of the natural inclusive permutations. That is, if X employs A; X employs B; or X employs both A and B, then “X employs A or B” is satisfied under any of the foregoing instances. In addition, the articles “a” and “an” as used in this application and the appended claims should generally be construed to mean “one or more” unless specified otherwise or clear from context to be directed to a singular form.
- What has been described above includes examples of the subject specification. It is, of course, not possible to describe every conceivable combination of components or methodologies for purposes of describing the subject specification, but one of ordinary skill in the art can recognize that many further combinations and permutations of the subject specification are possible. Accordingly, the subject specification is intended to embrace all such alterations, modifications and variations that fall within the spirit and scope of the appended claims. Furthermore, to the extent that the term “includes” is used in either the detailed description or the claims, such term is intended to be inclusive in a manner similar to the term “comprising” as “comprising” is interpreted when employed as a transitional word in a claim.
Claims (20)
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/547,800 US20100131304A1 (en) | 2008-11-26 | 2009-08-26 | Real time insurance generation |
PCT/US2009/065730 WO2010062899A1 (en) | 2008-11-26 | 2009-11-24 | Dynamic insurance customization and adoption |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11840008P | 2008-11-26 | 2008-11-26 | |
US12/547,800 US20100131304A1 (en) | 2008-11-26 | 2009-08-26 | Real time insurance generation |
Publications (1)
Publication Number | Publication Date |
---|---|
US20100131304A1 true US20100131304A1 (en) | 2010-05-27 |
Family
ID=42197144
Family Applications (15)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/395,342 Abandoned US20100131300A1 (en) | 2008-11-26 | 2009-02-27 | Visible insurance |
US12/490,033 Abandoned US20100131301A1 (en) | 2008-11-26 | 2009-06-23 | Insurance vertical market specialization |
US12/498,446 Abandoned US20100131302A1 (en) | 2008-11-26 | 2009-07-07 | Insurance vertical market specialization |
US12/536,999 Abandoned US20100131303A1 (en) | 2008-11-26 | 2009-08-06 | Dynamic insurance rates |
US12/547,800 Abandoned US20100131304A1 (en) | 2008-11-26 | 2009-08-26 | Real time insurance generation |
US12/612,958 Expired - Fee Related US8620692B2 (en) | 2008-11-26 | 2009-11-05 | Insurance visibility |
US12/624,371 Expired - Fee Related US8255275B2 (en) | 2008-11-26 | 2009-11-23 | Incentivized adoption of time-dependent insurance benefits |
US12/624,366 Abandoned US20100131307A1 (en) | 2008-11-26 | 2009-11-23 | Monetization of performance information of an insured vehicle |
US13/529,866 Expired - Fee Related US8484113B2 (en) | 2008-11-26 | 2012-06-21 | Incentivized adoption of time-dependent insurance benefits |
US13/933,043 Abandoned US20130297418A1 (en) | 2008-11-26 | 2013-07-01 | Incentivized adoption of time-dependent insurance benefits |
US14/101,208 Abandoned US20140100892A1 (en) | 2008-11-26 | 2013-12-09 | Insurance visibility |
US14/805,164 Abandoned US20150324928A1 (en) | 2008-11-26 | 2015-07-21 | Insurance vertical market specialization |
US14/805,133 Expired - Fee Related US9996884B2 (en) | 2008-11-26 | 2015-07-21 | Visible insurance |
US14/816,725 Abandoned US20150339780A1 (en) | 2008-11-26 | 2015-08-03 | Insurance vertical market specialization |
US15/977,193 Abandoned US20180260908A1 (en) | 2008-11-26 | 2018-05-11 | Visible insurance |
Family Applications Before (4)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/395,342 Abandoned US20100131300A1 (en) | 2008-11-26 | 2009-02-27 | Visible insurance |
US12/490,033 Abandoned US20100131301A1 (en) | 2008-11-26 | 2009-06-23 | Insurance vertical market specialization |
US12/498,446 Abandoned US20100131302A1 (en) | 2008-11-26 | 2009-07-07 | Insurance vertical market specialization |
US12/536,999 Abandoned US20100131303A1 (en) | 2008-11-26 | 2009-08-06 | Dynamic insurance rates |
Family Applications After (10)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/612,958 Expired - Fee Related US8620692B2 (en) | 2008-11-26 | 2009-11-05 | Insurance visibility |
US12/624,371 Expired - Fee Related US8255275B2 (en) | 2008-11-26 | 2009-11-23 | Incentivized adoption of time-dependent insurance benefits |
US12/624,366 Abandoned US20100131307A1 (en) | 2008-11-26 | 2009-11-23 | Monetization of performance information of an insured vehicle |
US13/529,866 Expired - Fee Related US8484113B2 (en) | 2008-11-26 | 2012-06-21 | Incentivized adoption of time-dependent insurance benefits |
US13/933,043 Abandoned US20130297418A1 (en) | 2008-11-26 | 2013-07-01 | Incentivized adoption of time-dependent insurance benefits |
US14/101,208 Abandoned US20140100892A1 (en) | 2008-11-26 | 2013-12-09 | Insurance visibility |
US14/805,164 Abandoned US20150324928A1 (en) | 2008-11-26 | 2015-07-21 | Insurance vertical market specialization |
US14/805,133 Expired - Fee Related US9996884B2 (en) | 2008-11-26 | 2015-07-21 | Visible insurance |
US14/816,725 Abandoned US20150339780A1 (en) | 2008-11-26 | 2015-08-03 | Insurance vertical market specialization |
US15/977,193 Abandoned US20180260908A1 (en) | 2008-11-26 | 2018-05-11 | Visible insurance |
Country Status (2)
Country | Link |
---|---|
US (15) | US20100131300A1 (en) |
WO (1) | WO2010062899A1 (en) |
Cited By (186)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20080255722A1 (en) * | 2006-05-22 | 2008-10-16 | Mcclellan Scott | System and Method for Evaluating Driver Behavior |
US20100205012A1 (en) * | 2007-07-17 | 2010-08-12 | Mcclellan Scott | System and method for providing a user interface for vehicle mentoring system users and insurers |
US20100219944A1 (en) * | 2009-02-27 | 2010-09-02 | General Motors Corporation | System and method for estimating an emergency level of a vehicular accident |
US20110183601A1 (en) * | 2011-01-18 | 2011-07-28 | Marwan Hannon | Apparatus, system, and method for detecting the presence and controlling the operation of mobile devices within a vehicle |
US20110196571A1 (en) * | 2010-02-09 | 2011-08-11 | At&T Mobility Ii Llc | System And Method For The Collection And Monitoring Of Vehicle Data |
US20120004933A1 (en) * | 2010-02-09 | 2012-01-05 | At&T Mobility Ii Llc | System And Method For The Collection And Monitoring Of Vehicle Data |
US20120010906A1 (en) * | 2010-02-09 | 2012-01-12 | At&T Mobility Ii Llc | System And Method For The Collection And Monitoring Of Vehicle Data |
US20120029945A1 (en) * | 2010-07-29 | 2012-02-02 | Alexandra Altieri | System and Method for Estimating Loss Propensity of an Insured Vehicle and Providing Driving Information |
US20120095819A1 (en) * | 2010-10-14 | 2012-04-19 | Phone Through, Inc. | Apparatuses, methods, and computer program products enabling association of related product data and execution of transaction |
US20120105197A1 (en) * | 2010-10-27 | 2012-05-03 | Ncr Corporation | Techniques for automating rental car transactions |
US20120295230A1 (en) * | 2011-05-20 | 2012-11-22 | Esposito Joseph C | Interactive driver's educational video game system and method |
US20130006674A1 (en) * | 2011-06-29 | 2013-01-03 | State Farm Insurance | Systems and Methods Using a Mobile Device to Collect Data for Insurance Premiums |
US20130046968A1 (en) * | 2011-08-18 | 2013-02-21 | Esmael Dinan | Automobile Data Transmission |
US20130166326A1 (en) * | 2011-12-21 | 2013-06-27 | Scope Technologies Holdings Limited | System and method for characterizing driver performance and use in determining insurance coverage |
WO2013096908A1 (en) * | 2011-12-21 | 2013-06-27 | Scope Technologies Holdings Limited | Systems and methods for assessing or monitoring vehicle status or operator behavior |
US20130204645A1 (en) * | 2012-02-02 | 2013-08-08 | Progressive Casualty Insurance Company | Mobile insurance platform system |
US8509812B2 (en) * | 2011-12-27 | 2013-08-13 | Flextronics Ap, Llc | Method and system for collecting automobile-related travel data with a smartphone |
US20130226624A1 (en) * | 2012-02-24 | 2013-08-29 | B3, Llc | Systems and methods for comprehensive insurance loss management and loss minimization |
US8538785B2 (en) * | 2011-08-19 | 2013-09-17 | Hartford Fire Insurance Company | System and method for computing and scoring the complexity of a vehicle trip using geo-spatial information |
US8595037B1 (en) | 2012-05-08 | 2013-11-26 | Elwha Llc | Systems and methods for insurance based on monitored characteristics of an autonomous drive mode selection system |
WO2014014749A1 (en) * | 2012-07-17 | 2014-01-23 | Searete Llc | Data acquisition apparatus configured to acquire data for insurance purposes, and related systems and methods |
US20140058761A1 (en) * | 2012-08-21 | 2014-02-27 | Insurance Services Office, Inc. | Apparatus and Method for Analyzing Driving Performance Data |
US8666789B1 (en) * | 2013-08-02 | 2014-03-04 | State Farm Mutual Automobile Insurance Company | Bluetooth device to enable data collection for insurance rating purposes |
WO2014045146A1 (en) * | 2012-09-23 | 2014-03-27 | Telmap Ltd | Inferring user risk profile from travel patterns |
US8686864B2 (en) | 2011-01-18 | 2014-04-01 | Marwan Hannon | Apparatus, system, and method for detecting the presence of an intoxicated driver and controlling the operation of a vehicle |
US20140149145A1 (en) * | 2012-11-29 | 2014-05-29 | State Farm Insurance | System and Method for Auto-Calibration and Auto-Correction of Primary and Secondary Motion for Telematics Applications via Wireless Mobile Devices |
US20140172467A1 (en) * | 2012-12-17 | 2014-06-19 | State Farm Mutual Automobile Insurance Company | System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment |
US8788114B2 (en) | 2011-10-26 | 2014-07-22 | Telenav, Inc. | Navigation system with compliance reporting and method of operation thereof |
US8818618B2 (en) | 2007-07-17 | 2014-08-26 | Inthinc Technology Solutions, Inc. | System and method for providing a user interface for vehicle monitoring system users and insurers |
US20140257873A1 (en) * | 2013-03-10 | 2014-09-11 | State Farm Mutual Automobile Insurance Company | Systems and Methods for Generating Vehicle Insurance Policy Data Based on Empirical Vehicle Related Data |
US8862486B2 (en) | 2012-12-26 | 2014-10-14 | Censio, Inc. | Methods and systems for driver identification |
US8892385B2 (en) | 2011-12-21 | 2014-11-18 | Scope Technologies Holdings Limited | System and method for use with an accelerometer to determine a frame of reference |
US8890717B2 (en) | 2006-05-22 | 2014-11-18 | Inthinc Technology Solutions, Inc. | System and method for monitoring and updating speed-by-street data |
US8954226B1 (en) | 2013-10-18 | 2015-02-10 | State Farm Mutual Automobile Insurance Company | Systems and methods for visualizing an accident involving a vehicle |
US8981942B2 (en) | 2012-12-17 | 2015-03-17 | State Farm Mutual Automobile Insurance Company | System and method to monitor and reduce vehicle operator impairment |
US20150081344A1 (en) * | 2013-09-18 | 2015-03-19 | Esurance Insurance Services, Inc. | Insurance products for a camera device coupled to a vehicle |
CN104477163A (en) * | 2014-11-25 | 2015-04-01 | 浙江吉利汽车研究院有限公司 | Control method and control system for preventing mistaken operation of fresh driver |
US9000903B2 (en) | 2012-07-09 | 2015-04-07 | Elwha Llc | Systems and methods for vehicle monitoring |
US9002883B1 (en) * | 2011-09-01 | 2015-04-07 | Google Inc. | Providing aggregated starting point information |
US20150120331A1 (en) * | 2013-10-24 | 2015-04-30 | Hartford Fire Insurance Company | System and method for administering insurance discounts for mobile device disabling technology |
US20150123815A1 (en) * | 2012-03-08 | 2015-05-07 | Husqvarna Ab | Data collection system and method for fleet management |
US9031545B1 (en) | 2013-03-08 | 2015-05-12 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter |
US20150154711A1 (en) * | 2013-12-04 | 2015-06-04 | State Farm Mutual Automobile Insurance Company | Assigning mobile device data to a vehicle |
US9053516B2 (en) | 2013-07-15 | 2015-06-09 | Jeffrey Stempora | Risk assessment using portable devices |
GB2523227A (en) * | 2013-12-10 | 2015-08-19 | Ford Global Tech Llc | Vehicle operations monitoring |
JP2015162230A (en) * | 2014-02-28 | 2015-09-07 | 矢崎エナジーシステム株式会社 | Service evaluation device |
US9127946B1 (en) | 2014-05-15 | 2015-09-08 | State Farm Mutual Automobile Insurance Company | System and method for identifying heading of a moving vehicle using accelerometer data |
US9129460B2 (en) | 2007-06-25 | 2015-09-08 | Inthinc Technology Solutions, Inc. | System and method for monitoring and improving driver behavior |
US20150254955A1 (en) * | 2014-03-07 | 2015-09-10 | State Farm Mutual Automobile Insurance Company | Vehicle operator emotion management system and method |
US9135803B1 (en) * | 2014-04-17 | 2015-09-15 | State Farm Mutual Automobile Insurance Company | Advanced vehicle operator intelligence system |
US9147353B1 (en) | 2013-05-29 | 2015-09-29 | Allstate Insurance Company | Driving analysis using vehicle-to-vehicle communication |
US9147219B2 (en) | 2013-10-18 | 2015-09-29 | State Farm Mutual Automobile Insurance Company | Synchronization of vehicle sensor information |
US9165469B2 (en) | 2012-07-09 | 2015-10-20 | Elwha Llc | Systems and methods for coordinating sensor operation for collision detection |
US20150329091A1 (en) * | 2012-11-19 | 2015-11-19 | Magna Electronics Inc. | Braking control system for vehicle |
US20150332518A1 (en) * | 2014-05-15 | 2015-11-19 | State Farm Mutual Automobile Insurance Company | System and method for determining driving patterns using telematics data |
US20150348221A1 (en) * | 2014-06-02 | 2015-12-03 | Uber Technologies, Inc. | Maintaining data for use with a transport service during connectivity loss between systems |
US20160031449A1 (en) * | 2013-03-15 | 2016-02-04 | Michelin Recherche Et Technique S.A. | Methods and apparatus for acquiring, transmitting, and storing vehicle performance information |
US9262787B2 (en) | 2013-10-18 | 2016-02-16 | State Farm Mutual Automobile Insurance Company | Assessing risk using vehicle environment information |
US9275552B1 (en) | 2013-03-15 | 2016-03-01 | State Farm Mutual Automobile Insurance Company | Real-time driver observation and scoring for driver'S education |
US9283847B2 (en) | 2014-05-05 | 2016-03-15 | State Farm Mutual Automobile Insurance Company | System and method to monitor and alert vehicle operator of impairment |
US9355423B1 (en) | 2014-01-24 | 2016-05-31 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
CN105629795A (en) * | 2016-03-16 | 2016-06-01 | 张明民 | Modularized vehicle-mounted intelligent system based on mobile intelligent device expansion |
US9361599B1 (en) | 2015-01-28 | 2016-06-07 | Allstate Insurance Company | Risk unit based policies |
US9360322B2 (en) | 2014-05-15 | 2016-06-07 | State Farm Mutual Automobile Insurance Company | System and method for separating ambient gravitational acceleration from a moving three-axis accelerometer data |
US20160171617A1 (en) * | 2014-12-15 | 2016-06-16 | International Business Machines Corporation | Generating real-time insurance alerts from a mobile device |
US9390451B1 (en) * | 2014-01-24 | 2016-07-12 | Allstate Insurance Company | Insurance system related to a vehicle-to-vehicle communication system |
US9390452B1 (en) * | 2015-01-28 | 2016-07-12 | Allstate Insurance Company | Risk unit based policies |
US9428052B1 (en) * | 2012-09-08 | 2016-08-30 | Towers Watson Software Limited | Automated distraction measurement of machine operator |
US9454786B1 (en) | 2013-03-08 | 2016-09-27 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter and personalized insurance rates |
US9558667B2 (en) | 2012-07-09 | 2017-01-31 | Elwha Llc | Systems and methods for cooperative collision detection |
US9562776B2 (en) | 2013-04-23 | 2017-02-07 | Intelligent Mechatronic Systems Inc. | Location-based security |
US9619203B2 (en) | 2003-07-07 | 2017-04-11 | Insurance Services Office, Inc. | Method of analyzing driving behavior and warning the driver |
US9616849B1 (en) * | 2009-06-26 | 2017-04-11 | United Services Automobile Association | Systems and methods for providing driving insurance for an individual driver |
US20170105098A1 (en) * | 2015-09-17 | 2017-04-13 | Truemotion, Inc. | Systems and methods for detecting and assessing distracted drivers |
US9646428B1 (en) | 2014-05-20 | 2017-05-09 | State Farm Mutual Automobile Insurance Company | Accident response using autonomous vehicle monitoring |
US9672568B1 (en) * | 2013-03-13 | 2017-06-06 | Allstate Insurance Company | Risk behavior detection methods based on tracking handset movement within a moving vehicle |
US20170210290A1 (en) * | 2016-01-22 | 2017-07-27 | Truemotion, Inc. | Systems and methods for sensor-based detection, alerting and modification of driving behaviors |
US9786154B1 (en) | 2014-07-21 | 2017-10-10 | State Farm Mutual Automobile Insurance Company | Methods of facilitating emergency assistance |
US9805601B1 (en) | 2015-08-28 | 2017-10-31 | State Farm Mutual Automobile Insurance Company | Vehicular traffic alerts for avoidance of abnormal traffic conditions |
US9824064B2 (en) | 2011-12-21 | 2017-11-21 | Scope Technologies Holdings Limited | System and method for use of pattern recognition in assessing or monitoring vehicle status or operator driving behavior |
US9830662B1 (en) * | 2013-03-15 | 2017-11-28 | State Farm Mutual Automobile Insurance Company | Split sensing method |
US20170349182A1 (en) * | 2016-06-06 | 2017-12-07 | Truemotion, Inc. | Systems and methods for scoring driving trips |
US9865019B2 (en) | 2007-05-10 | 2018-01-09 | Allstate Insurance Company | Route risk mitigation |
US9892567B2 (en) * | 2013-10-18 | 2018-02-13 | State Farm Mutual Automobile Insurance Company | Vehicle sensor collection of other vehicle information |
US9932033B2 (en) | 2007-05-10 | 2018-04-03 | Allstate Insurance Company | Route risk mitigation |
US20180096433A1 (en) * | 2016-10-03 | 2018-04-05 | At&T Intellectual Property I, L.P. | Calculation of Differential for Insurance Rates |
US9940676B1 (en) | 2014-02-19 | 2018-04-10 | Allstate Insurance Company | Insurance system for analysis of autonomous driving |
US9940834B1 (en) | 2016-01-22 | 2018-04-10 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle application |
US9944282B1 (en) | 2014-11-13 | 2018-04-17 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle automatic parking |
US9972054B1 (en) | 2014-05-20 | 2018-05-15 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US9979813B2 (en) | 2016-10-04 | 2018-05-22 | Allstate Solutions Private Limited | Mobile device communication access and hands-free device activation |
US9984418B1 (en) * | 2014-10-06 | 2018-05-29 | Allstate Insurance Company | System and method for determining an insurance premium quote based on human telematic data and structure related telematic data |
US9984420B1 (en) * | 2014-10-06 | 2018-05-29 | Allstate Insurance Company | System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data |
US9984419B1 (en) * | 2014-10-06 | 2018-05-29 | Allstate Insurance Company | System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data |
US9990608B2 (en) | 2012-05-01 | 2018-06-05 | Innovation Specialists | Virtual professionals community for conducting virtual consultations with suggested professionals |
US20180189764A1 (en) * | 2012-12-24 | 2018-07-05 | Good Travel Software Limited | Dynamic risk assessment and peer-to-peer transaction system and method |
US10019762B2 (en) | 2014-05-15 | 2018-07-10 | State Farm Mutual Automobile Insurance Company | System and method for identifying idling times of a vehicle using accelerometer data |
US10032123B2 (en) | 2012-03-08 | 2018-07-24 | Husqvarna Ab | Fleet management portal for outdoor power equipment |
US10036645B2 (en) | 2016-06-15 | 2018-07-31 | Here Global B.V. | Vehicle usage-based pricing alerts |
US10042359B1 (en) | 2016-01-22 | 2018-08-07 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle refueling |
US10072932B2 (en) | 2015-05-07 | 2018-09-11 | Truemotion, Inc. | Motion detection system for transportation mode analysis |
US10096067B1 (en) | 2014-01-24 | 2018-10-09 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
US10096038B2 (en) | 2007-05-10 | 2018-10-09 | Allstate Insurance Company | Road segment safety rating system |
US10127737B1 (en) * | 2014-10-06 | 2018-11-13 | Allstate Insurance Company | Communication system and method for using human telematic data to provide a hazard alarm/notification message to a user in a dynamic environment such as during operation of a vehicle |
US10134278B1 (en) | 2016-01-22 | 2018-11-20 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle application |
US20180336638A1 (en) * | 2017-05-22 | 2018-11-22 | Insurance Zebra Inc. | Classifying rate factors in consumer profiles based on effects of the factors in high-dimensional models |
US20180352372A1 (en) * | 2017-06-06 | 2018-12-06 | L'Ami Carl, LLC | System, method and apparatus for generating a zone restricting use of a mobile device |
US10157422B2 (en) | 2007-05-10 | 2018-12-18 | Allstate Insurance Company | Road segment safety rating |
US10176524B1 (en) * | 2015-10-26 | 2019-01-08 | Allstate Insurance Company | Vehicle-to-vehicle incident information collection |
US10185999B1 (en) | 2014-05-20 | 2019-01-22 | State Farm Mutual Automobile Insurance Company | Autonomous feature use monitoring and telematics |
US10205819B2 (en) | 2015-07-14 | 2019-02-12 | Driving Management Systems, Inc. | Detecting the location of a phone using RF wireless and ultrasonic signals |
US10210678B1 (en) * | 2014-10-06 | 2019-02-19 | Allstate Insurance Company | Communication system and method for using human telematic data to provide a hazard alarm/notification message to a user in a dynamic environment such as during operation of a vehicle |
US10227003B1 (en) | 2016-06-13 | 2019-03-12 | State Farm Mutual Automobile Insurance Company | Systems and methods for notifying individuals who are unfit to operate vehicles |
US20190078905A1 (en) * | 2016-05-02 | 2019-03-14 | Google Llc | Systems and methods for using real-time imagery in navigation |
US10264111B2 (en) | 2016-10-04 | 2019-04-16 | Allstate Solutions Private Limited | Mobile device communication access and hands-free device activation |
US10269075B2 (en) | 2016-02-02 | 2019-04-23 | Allstate Insurance Company | Subjective route risk mapping and mitigation |
CN109791678A (en) * | 2016-07-25 | 2019-05-21 | 瑞士再保险有限公司 | It is measured for the dynamic risk based on score and polymerize the intelligent adaptive automotive fittings and its correlation method that have telematics connection search engine |
US10304138B2 (en) | 2014-05-15 | 2019-05-28 | State Farm Mutual Automobile Insurance Company | System and method for identifying primary and secondary movement using spectral domain analysis |
US10319039B1 (en) | 2014-05-20 | 2019-06-11 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US10324463B1 (en) | 2016-01-22 | 2019-06-18 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation adjustment based upon route |
US10333775B2 (en) | 2016-06-03 | 2019-06-25 | Uptake Technologies, Inc. | Facilitating the provisioning of a local analytics device |
US10349219B2 (en) * | 2016-01-26 | 2019-07-09 | Truemotion, Inc. | Methods and systems for combining sensor data to determine vehicle movement information |
US10360636B1 (en) | 2012-08-01 | 2019-07-23 | Allstate Insurance Company | System for capturing passenger and trip data for a taxi vehicle |
US20190228328A1 (en) * | 2018-01-23 | 2019-07-25 | Hitachi, Ltd. | Vehicle operation analysis of a driver |
US10373259B1 (en) | 2014-05-20 | 2019-08-06 | State Farm Mutual Automobile Insurance Company | Fully autonomous vehicle insurance pricing |
US10395328B2 (en) | 2012-05-01 | 2019-08-27 | Innovation Specialists Llc | Virtual professionals community for conducting virtual consultations with suggested professionals |
US10395332B1 (en) | 2016-01-22 | 2019-08-27 | State Farm Mutual Automobile Insurance Company | Coordinated autonomous vehicle automatic area scanning |
US10407079B1 (en) * | 2017-01-19 | 2019-09-10 | State Farm Mutual Automobile Insurance Company | Apparatuses, systems and methods for determining distracted drivers associated with vehicle driving routes |
US10424024B1 (en) * | 2014-10-06 | 2019-09-24 | Allstate Insurance Company | System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data |
US10493938B1 (en) | 2018-05-22 | 2019-12-03 | Bank Of America Corporation | Real-time vehicle environment recognition and collision identification system |
US10497250B1 (en) | 2017-09-27 | 2019-12-03 | State Farm Mutual Automobile Insurance Company | Real property monitoring systems and methods for detecting damage and other conditions |
CN110555778A (en) * | 2018-05-31 | 2019-12-10 | 现代自动车株式会社 | Remote communication device and method for handling vehicle insurance and estimating insurance premiums |
WO2019213642A3 (en) * | 2018-05-04 | 2019-12-19 | Hyla, Inc. | Systems and methods for generating contextually relevant device protections |
US10599155B1 (en) | 2014-05-20 | 2020-03-24 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US10621671B1 (en) * | 2015-03-18 | 2020-04-14 | State Farm Mutual Automobile Insurance Company | Broadcasting vehicle and insurance information to mobile devices in the vicinity of a vehicle |
US10657597B1 (en) * | 2012-02-17 | 2020-05-19 | United Services Automobile Association (Usaa) | Systems and methods for dynamic insurance premiums |
US10657598B2 (en) | 2012-12-20 | 2020-05-19 | Scope Technologies Holdings Limited | System and method for use of carbon emissions in characterizing driver performance |
US10664917B1 (en) * | 2014-06-20 | 2020-05-26 | Allstate Insurance Company | Personalized insurance systems |
US10679297B1 (en) * | 2016-06-06 | 2020-06-09 | United Services Automobile Association (Usaa) | Systems and methods for determining a fixed rate based on behavior |
US10699347B1 (en) | 2016-02-24 | 2020-06-30 | Allstate Insurance Company | Polynomial risk maps |
US10713727B1 (en) | 2016-11-23 | 2020-07-14 | State Farm Mutual Automobile Insurance Company | Systems and methods for building and utilizing an autonomous vehicle-related event blockchain |
US10743241B1 (en) | 2017-06-06 | 2020-08-11 | Nocell Technologies, LLC | System, method and apparatus for facilitating the restriction of the use of one or more network devices through automated policy enforcement |
US10740859B2 (en) * | 2016-05-09 | 2020-08-11 | Mastercard International Incorporated | Method and system for on-board detection of speeding of a vehicle and payment of an associated fine |
US10783587B1 (en) * | 2014-02-19 | 2020-09-22 | Allstate Insurance Company | Determining a driver score based on the driver's response to autonomous features of a vehicle |
US10783586B1 (en) * | 2014-02-19 | 2020-09-22 | Allstate Insurance Company | Determining a property of an insurance policy based on the density of vehicles |
US10796369B1 (en) | 2014-02-19 | 2020-10-06 | Allstate Insurance Company | Determining a property of an insurance policy based on the level of autonomy of a vehicle |
US10803525B1 (en) | 2014-02-19 | 2020-10-13 | Allstate Insurance Company | Determining a property of an insurance policy based on the autonomous features of a vehicle |
US10810504B1 (en) | 2015-03-11 | 2020-10-20 | State Farm Mutual Automobile Insurance Company | Route scoring for assessing or predicting driving performance |
US10817950B1 (en) | 2015-01-28 | 2020-10-27 | Arity International Limited | Usage-based policies |
US10825103B1 (en) | 2017-10-11 | 2020-11-03 | State Farm Mutual Automobile Insurance Company | Detecting transportation company trips in a vehicle based upon on-board audio signals |
US10826833B1 (en) | 2017-06-06 | 2020-11-03 | Nocell Technologies, LLC | System, method and apparatus for secondary network device detection |
US10832331B1 (en) * | 2016-07-11 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Systems and methods for allocating fault to autonomous vehicles |
US10846799B2 (en) | 2015-01-28 | 2020-11-24 | Arity International Limited | Interactive dashboard display |
US10876859B2 (en) | 2015-04-09 | 2020-12-29 | Appy Risk Technologies Limited | Opportunistic calibration of a smartphone orientation in a vehicle |
US20200410789A1 (en) * | 2015-03-06 | 2020-12-31 | Sony Corporation | Recording device, recording method, and computer program |
US10909476B1 (en) | 2016-06-13 | 2021-02-02 | State Farm Mutual Automobile Insurance Company | Systems and methods for managing instances in which individuals are unfit to operate vehicles |
US10977601B2 (en) | 2011-06-29 | 2021-04-13 | State Farm Mutual Automobile Insurance Company | Systems and methods for controlling the collection of vehicle use data using a mobile device |
US11016004B2 (en) * | 2013-11-19 | 2021-05-25 | At&T Intellectual Property I, L.P. | Vehicular simulation |
US11042938B1 (en) * | 2016-08-08 | 2021-06-22 | Allstate Insurance Company | Driver identity detection and alerts |
US11157973B2 (en) | 2012-11-16 | 2021-10-26 | Scope Technologies Holdings Limited | System and method for estimation of vehicle accident damage and repair |
US20210350336A1 (en) * | 2020-05-07 | 2021-11-11 | Blackberry Limited | Authorization of vehicle repairs |
US11242051B1 (en) | 2016-01-22 | 2022-02-08 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle action communications |
US11263837B2 (en) * | 2018-09-21 | 2022-03-01 | Servicenow Canada Inc. | Automatic real-time detection of vehicular incidents |
US11267481B2 (en) * | 2017-07-14 | 2022-03-08 | Ccc Intelligent Solutions Inc. | Driver assist design analysis system |
US11288750B1 (en) * | 2018-10-31 | 2022-03-29 | United Services Automobile Association (Usaa) | Method and system for automatically detecting vehicle collisions for insurance claims |
US11295218B2 (en) | 2016-10-17 | 2022-04-05 | Allstate Solutions Private Limited | Partitioning sensor based data to generate driving pattern map |
US11307042B2 (en) | 2015-09-24 | 2022-04-19 | Allstate Insurance Company | Three-dimensional risk maps |
US20220118941A1 (en) * | 2020-10-20 | 2022-04-21 | Ford Global Technologies, Llc | Systems And Methods For Vehicle Movement Parental Control With Child Detection |
US11343316B2 (en) * | 2014-07-23 | 2022-05-24 | Here Global B.V. | Highly assisted driving platform |
US11361379B1 (en) | 2014-05-12 | 2022-06-14 | Esurance Insurance Services, Inc. | Transmitting driving data to an insurance platform |
US11380193B2 (en) * | 2017-10-20 | 2022-07-05 | Zendrive, Inc. | Method and system for vehicular-related communications |
US20220262175A1 (en) * | 2010-12-15 | 2022-08-18 | Auto Telematics Ltd. | Method and System for Logging Vehicle Behaviour |
US11441916B1 (en) | 2016-01-22 | 2022-09-13 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle trip routing |
US11453467B2 (en) * | 2019-11-05 | 2022-09-27 | Yamaha Hatsudoki Kabushiki Kaisha | Control system for posture control tabs of marine vessel, marine vessel, and method for controlling posture control tabs, capable of avoiding contact of posture control tabs with foreign object |
US11521271B2 (en) * | 2017-02-06 | 2022-12-06 | Allstate Insurance Company | Autonomous vehicle control systems with collision detection and response capabilities |
US11533395B2 (en) | 2009-07-21 | 2022-12-20 | Katasi, Inc. | Method and system for controlling a mobile communication device |
US11544791B1 (en) | 2019-08-28 | 2023-01-03 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating mobility insurance products using ride-sharing telematics data |
US11613262B2 (en) | 2017-07-14 | 2023-03-28 | Ccc Intelligent Solutions Inc. | Driver assist design analysis system |
US11638198B2 (en) | 2009-07-21 | 2023-04-25 | Katasi Inc | Method and system for controlling a mobile communication device in a moving vehicle |
US11643088B2 (en) | 2009-07-21 | 2023-05-09 | Katasi, Inc. | Method and system for controlling and modifying driving behaviors |
US11669090B2 (en) | 2014-05-20 | 2023-06-06 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US11719545B2 (en) | 2016-01-22 | 2023-08-08 | Hyundai Motor Company | Autonomous vehicle component damage and salvage assessment |
US11775010B2 (en) | 2019-12-02 | 2023-10-03 | Zendrive, Inc. | System and method for assessing device usage |
US11871313B2 (en) | 2017-11-27 | 2024-01-09 | Zendrive, Inc. | System and method for vehicle sensing and analysis |
US11878720B2 (en) | 2016-12-09 | 2024-01-23 | Zendrive, Inc. | Method and system for risk modeling in autonomous vehicles |
US20240087037A1 (en) * | 2021-04-29 | 2024-03-14 | BlueOwI, LLC. | Systems and methods for predicting trip data |
Families Citing this family (279)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7650509B1 (en) | 2004-01-28 | 2010-01-19 | Gordon & Howard Associates, Inc. | Encoding data in a password |
US20070194881A1 (en) | 2006-02-07 | 2007-08-23 | Schwarz Stanley G | Enforcing payment schedules |
CN101809581B (en) | 2007-09-24 | 2014-12-10 | 苹果公司 | Embedded authentication systems in an electronic device |
US8600120B2 (en) | 2008-01-03 | 2013-12-03 | Apple Inc. | Personal computing device control using face detection and recognition |
US8488573B2 (en) * | 2008-02-27 | 2013-07-16 | Midwest Telecom Of America, Inc. | Apparatus and method for delivering public switched telephone network service and broadband internet access |
WO2010030341A1 (en) | 2008-09-09 | 2010-03-18 | United Parcel Service Of America, Inc. | Systems and methods of utilizing telematics data to improve fleet management operations |
US11482058B2 (en) | 2008-09-09 | 2022-10-25 | United Parcel Service Of America, Inc. | Systems and methods for utilizing telematics data to improve fleet management operations |
US9928552B1 (en) * | 2009-03-13 | 2018-03-27 | New York Life Insurance Company | Methods and systems for insurance investment product decision modeling |
US9727920B1 (en) | 2009-03-16 | 2017-08-08 | United Services Automobile Association (Usaa) | Insurance policy management using telematics |
US20100268591A1 (en) * | 2009-04-16 | 2010-10-21 | Xerox Corporation | System and method for selectively controlling the use of functionality in one or more multifunction devices and subsidizing their use through advertisements |
US10049407B2 (en) | 2009-05-29 | 2018-08-14 | Quanis Licensing Ltd. | Dynamic aggregation of insurance premiums |
US10387965B1 (en) | 2009-07-09 | 2019-08-20 | United Services Automobile Association (Usaa) | Systems and methods for alternate location of a vehicle |
US9073554B2 (en) * | 2009-07-29 | 2015-07-07 | The Invention Science Fund I, Llc | Systems and methods for providing selective control of a vehicle operational mode |
US20110029189A1 (en) * | 2009-07-29 | 2011-02-03 | Searete Llc, A Limited Liability Corporation Of The State Of Delaware | Promotional correlation with selective vehicle modes |
US9008956B2 (en) * | 2009-07-29 | 2015-04-14 | The Invention Science Fund I, Llc | Promotional correlation with selective vehicle modes |
US9123049B2 (en) * | 2009-07-29 | 2015-09-01 | The Invention Science Fund I, Llc | Promotional correlation with selective vehicle modes |
US8751058B2 (en) | 2009-09-29 | 2014-06-10 | The Invention Science Fund I, Llc | Selective implementation of an optional vehicle mode |
US8751059B2 (en) | 2009-09-29 | 2014-06-10 | The Invention Science Fund I, Llc | Selective implementation of an optional vehicle mode |
US11562323B2 (en) * | 2009-10-01 | 2023-01-24 | DecisionQ Corporation | Application of bayesian networks to patient screening and treatment |
US20110082746A1 (en) * | 2009-10-06 | 2011-04-07 | Christopher Rice | Systems and Methods for Providing Location Based Promotions and Feedback Services |
US20110145023A1 (en) * | 2009-12-14 | 2011-06-16 | Unitrin Direct Insurance Company | System and Method for Incentivizing Insurance Participation Utilizing Social Networking Systems |
US8805707B2 (en) | 2009-12-31 | 2014-08-12 | Hartford Fire Insurance Company | Systems and methods for providing a safety score associated with a user location |
US9558520B2 (en) | 2009-12-31 | 2017-01-31 | Hartford Fire Insurance Company | System and method for geocoded insurance processing using mobile devices |
US20150309316A1 (en) | 2011-04-06 | 2015-10-29 | Microsoft Technology Licensing, Llc | Ar glasses with predictive control of external device based on event input |
US9759917B2 (en) | 2010-02-28 | 2017-09-12 | Microsoft Technology Licensing, Llc | AR glasses with event and sensor triggered AR eyepiece interface to external devices |
US8472120B2 (en) | 2010-02-28 | 2013-06-25 | Osterhout Group, Inc. | See-through near-eye display glasses with a small scale image source |
US10180572B2 (en) | 2010-02-28 | 2019-01-15 | Microsoft Technology Licensing, Llc | AR glasses with event and user action control of external applications |
US8467133B2 (en) | 2010-02-28 | 2013-06-18 | Osterhout Group, Inc. | See-through display with an optical assembly including a wedge-shaped illumination system |
US9285589B2 (en) | 2010-02-28 | 2016-03-15 | Microsoft Technology Licensing, Llc | AR glasses with event and sensor triggered control of AR eyepiece applications |
US9341843B2 (en) | 2010-02-28 | 2016-05-17 | Microsoft Technology Licensing, Llc | See-through near-eye display glasses with a small scale image source |
US9366862B2 (en) | 2010-02-28 | 2016-06-14 | Microsoft Technology Licensing, Llc | System and method for delivering content to a group of see-through near eye display eyepieces |
US9097890B2 (en) | 2010-02-28 | 2015-08-04 | Microsoft Technology Licensing, Llc | Grating in a light transmissive illumination system for see-through near-eye display glasses |
US9182596B2 (en) | 2010-02-28 | 2015-11-10 | Microsoft Technology Licensing, Llc | See-through near-eye display glasses with the optical assembly including absorptive polarizers or anti-reflective coatings to reduce stray light |
US9134534B2 (en) | 2010-02-28 | 2015-09-15 | Microsoft Technology Licensing, Llc | See-through near-eye display glasses including a modular image source |
US9223134B2 (en) | 2010-02-28 | 2015-12-29 | Microsoft Technology Licensing, Llc | Optical imperfections in a light transmissive illumination system for see-through near-eye display glasses |
US9097891B2 (en) | 2010-02-28 | 2015-08-04 | Microsoft Technology Licensing, Llc | See-through near-eye display glasses including an auto-brightness control for the display brightness based on the brightness in the environment |
US20120200601A1 (en) * | 2010-02-28 | 2012-08-09 | Osterhout Group, Inc. | Ar glasses with state triggered eye control interaction with advertising facility |
US9128281B2 (en) | 2010-09-14 | 2015-09-08 | Microsoft Technology Licensing, Llc | Eyepiece with uniformly illuminated reflective display |
US9229227B2 (en) | 2010-02-28 | 2016-01-05 | Microsoft Technology Licensing, Llc | See-through near-eye display glasses with a light transmissive wedge shaped illumination system |
US20120249797A1 (en) | 2010-02-28 | 2012-10-04 | Osterhout Group, Inc. | Head-worn adaptive display |
US8482859B2 (en) | 2010-02-28 | 2013-07-09 | Osterhout Group, Inc. | See-through near-eye display glasses wherein image light is transmitted to and reflected from an optically flat film |
US9129295B2 (en) | 2010-02-28 | 2015-09-08 | Microsoft Technology Licensing, Llc | See-through near-eye display glasses with a fast response photochromic film system for quick transition from dark to clear |
US8488246B2 (en) | 2010-02-28 | 2013-07-16 | Osterhout Group, Inc. | See-through near-eye display glasses including a curved polarizing film in the image source, a partially reflective, partially transmitting optical element and an optically flat film |
EP2539759A1 (en) | 2010-02-28 | 2013-01-02 | Osterhout Group, Inc. | Local advertising content on an interactive head-mounted eyepiece |
US8477425B2 (en) | 2010-02-28 | 2013-07-02 | Osterhout Group, Inc. | See-through near-eye display glasses including a partially reflective, partially transmitting optical element |
US9091851B2 (en) | 2010-02-28 | 2015-07-28 | Microsoft Technology Licensing, Llc | Light control in head mounted displays |
WO2011146466A2 (en) * | 2010-05-17 | 2011-11-24 | The Travelers Companies, Inc. | Monitoring customer-selected vehicle parameters |
US9460471B2 (en) * | 2010-07-16 | 2016-10-04 | Hartford Fire Insurance Company | System and method for an automated validation system |
US20120084103A1 (en) * | 2010-07-29 | 2012-04-05 | Alexandra Altieri | System and Method for Estimating Loss Costs and Propensity of an Insured Vehicle and Providing Driving Information |
US8478697B2 (en) * | 2010-09-15 | 2013-07-02 | Yahoo! Inc. | Determining whether to provide an advertisement to a user of a social network |
US8862299B2 (en) | 2011-11-16 | 2014-10-14 | Flextronics Ap, Llc | Branding of electrically propelled vehicles via the generation of specific operating output |
US8626535B2 (en) * | 2010-11-10 | 2014-01-07 | Ebay Inc. | System and method for providing shipping insurance as a service |
US20120150756A1 (en) * | 2010-12-14 | 2012-06-14 | Elwha LLC, a limited liability corporation of the State of Delaware | Ecological impact quantification identifiers |
US20120150758A1 (en) * | 2010-12-14 | 2012-06-14 | Elwha LLC, a limited liability corporation of the State of Delaware | Efficiency of use of a common product |
EP3514752A1 (en) * | 2011-01-17 | 2019-07-24 | Imetrik Technologies Inc. | Computer-implemented method and system for reporting a confidence score in relation to a vehicle equipped with a wireless-enabled usage reporting device |
US8928495B2 (en) | 2011-01-24 | 2015-01-06 | Lexisnexis Risk Solutions Inc. | Systems and methods for telematics monitoring and communications |
US9164957B2 (en) | 2011-01-24 | 2015-10-20 | Lexisnexis Risk Solutions Inc. | Systems and methods for telematics monitoring and communications |
WO2012110974A2 (en) * | 2011-02-16 | 2012-08-23 | Discovery Holdings Limited | A method of managing an insurance plan and a system therefor |
US20120215641A1 (en) * | 2011-02-17 | 2012-08-23 | Honda Motor Co., Ltd. | System and method for determining destination characteristics of vehicle operators |
US8799028B1 (en) | 2011-02-24 | 2014-08-05 | Allstate Insurance Company | Social network risk analysis |
US20120221188A1 (en) * | 2011-02-24 | 2012-08-30 | General Motors Llc | Vehicle hmi replacement |
US8744734B2 (en) * | 2011-03-04 | 2014-06-03 | Board of Regents, University of Arizona | Active traffic and demand management system |
US9953468B2 (en) | 2011-03-31 | 2018-04-24 | United Parcel Service Of America, Inc. | Segmenting operational data |
US9208626B2 (en) | 2011-03-31 | 2015-12-08 | United Parcel Service Of America, Inc. | Systems and methods for segmenting operational data |
US8981995B2 (en) | 2011-06-03 | 2015-03-17 | Microsoft Technology Licensing, Llc. | Low accuracy positional data by detecting improbable samples |
US20120316810A1 (en) * | 2011-06-08 | 2012-12-13 | GM Global Technology Operations LLC | Battery limit calibration based on battery life and performance optimization |
US10346786B1 (en) | 2011-07-14 | 2019-07-09 | Stephen D. Lakowske | Method for applying expert usage based data |
US9082072B1 (en) * | 2011-07-14 | 2015-07-14 | Donald K. Wedding, Jr. | Method for applying usage based data |
US9470529B2 (en) | 2011-07-14 | 2016-10-18 | Microsoft Technology Licensing, Llc | Activating and deactivating sensors for dead reckoning |
US9464903B2 (en) | 2011-07-14 | 2016-10-11 | Microsoft Technology Licensing, Llc | Crowd sourcing based on dead reckoning |
US9002322B2 (en) | 2011-09-29 | 2015-04-07 | Apple Inc. | Authentication with secondary approver |
US8799029B2 (en) * | 2011-10-12 | 2014-08-05 | Hartford Fire Insurance Company | System and method for automated detection of coverage exceptions based on utility usage data |
US10184798B2 (en) | 2011-10-28 | 2019-01-22 | Microsoft Technology Licensing, Llc | Multi-stage dead reckoning for crowd sourcing |
US20130110554A1 (en) * | 2011-10-31 | 2013-05-02 | Webcetera, L.P. | Policy management system and method |
US8849803B2 (en) | 2011-10-31 | 2014-09-30 | International Business Machines Corporation | Data collection for usage based insurance |
US9349146B2 (en) * | 2011-12-01 | 2016-05-24 | Hartford Fire Insurance Company | Systems and methods to intelligently determine insurance information based on identified businesses |
US9429657B2 (en) | 2011-12-14 | 2016-08-30 | Microsoft Technology Licensing, Llc | Power efficient activation of a device movement sensor module |
US20130197947A1 (en) * | 2012-01-27 | 2013-08-01 | Jared D. Carillo | Method and system for graphically displaying insurance coverage information |
US9767622B2 (en) | 2012-03-22 | 2017-09-19 | Tata Consultancy Services Limited | System and a method for improved car prognosis |
US8849509B2 (en) * | 2012-05-17 | 2014-09-30 | Ford Global Technologies, Llc | Method and apparatus for interactive vehicular advertising |
US8731768B2 (en) * | 2012-05-22 | 2014-05-20 | Hartford Fire Insurance Company | System and method to provide telematics data on a map display |
WO2014011556A1 (en) * | 2012-07-09 | 2014-01-16 | Elwha Llc | Systems and methods for vehicle monitoring |
US20140046701A1 (en) * | 2012-08-12 | 2014-02-13 | Insurance Services Office, Inc. | Apparatus and Method for Detecting Driving Performance Data |
US20140058762A1 (en) * | 2012-08-22 | 2014-02-27 | Zubie, Inc. | Methods and systems for consumer controlled insurance data management |
US9817125B2 (en) | 2012-09-07 | 2017-11-14 | Microsoft Technology Licensing, Llc | Estimating and predicting structures proximate to a mobile device |
US10783584B1 (en) | 2012-09-10 | 2020-09-22 | Allstate Insurance Company | Recommendation of insurance products based on an inventory analysis |
US10223750B1 (en) | 2012-09-10 | 2019-03-05 | Allstate Insurance Company | Optimized inventory analysis for insurance purposes |
US9081466B2 (en) | 2012-09-10 | 2015-07-14 | Sap Se | Dynamic chart control that triggers dynamic contextual actions |
US9836795B2 (en) * | 2012-11-08 | 2017-12-05 | Hartford Fire Insurance Company | Computerized system and method for pre-filling of insurance data using third party sources |
US20140143024A1 (en) * | 2012-11-19 | 2014-05-22 | Bank Of America Corporation | Transaction cost recovery analytics |
US20140149148A1 (en) * | 2012-11-27 | 2014-05-29 | Terrance Luciani | System and method for autonomous insurance selection |
US9394637B2 (en) | 2012-12-13 | 2016-07-19 | Jacob Holm & Sons Ag | Method for production of a hydroentangled airlaid web and products obtained therefrom |
US20140172466A1 (en) * | 2012-12-17 | 2014-06-19 | Innodata Synodex, Llc | Shared Medical Data Platform for Insurance Underwriting |
US10929496B1 (en) * | 2013-01-02 | 2021-02-23 | Lazaro Rodriguez | Activate a cross browser platform to enable interfaces |
US9665997B2 (en) * | 2013-01-08 | 2017-05-30 | Gordon*Howard Associates, Inc. | Method and system for providing feedback based on driving behavior |
US10713726B1 (en) | 2013-01-13 | 2020-07-14 | United Services Automobile Association (Usaa) | Determining insurance policy modifications using informatic sensor data |
US10032226B1 (en) | 2013-03-08 | 2018-07-24 | Allstate Insurance Company | Automatic exchange of information in response to a collision event |
US10963966B1 (en) | 2013-09-27 | 2021-03-30 | Allstate Insurance Company | Electronic exchange of insurance information |
US8799034B1 (en) | 2013-03-08 | 2014-08-05 | Allstate University Company | Automated accident detection, fault attribution, and claims processing |
US9019092B1 (en) | 2013-03-08 | 2015-04-28 | Allstate Insurance Company | Determining whether a vehicle is parked for automated accident detection, fault attribution, and claims processing |
US20140279800A1 (en) * | 2013-03-14 | 2014-09-18 | Agincourt Gaming Llc | Systems and Methods for Artificial Intelligence Decision Making in a Virtual Environment |
US9035756B2 (en) | 2013-03-14 | 2015-05-19 | Gordon*Howard Associates, Inc. | Methods and systems related to remote tamper detection |
US9840229B2 (en) | 2013-03-14 | 2017-12-12 | Gordon*Howard Associates, Inc. | Methods and systems related to a remote tamper detection |
US8954340B2 (en) | 2013-03-15 | 2015-02-10 | State Farm Mutual Automobile Insurance Company | Risk evaluation based on vehicle operator behavior |
US10445758B1 (en) | 2013-03-15 | 2019-10-15 | Allstate Insurance Company | Providing rewards based on driving behaviors detected by a mobile computing device |
US9959687B2 (en) * | 2013-03-15 | 2018-05-01 | John Lindsay | Driver behavior monitoring |
US9013333B2 (en) | 2013-06-24 | 2015-04-21 | Gordon*Howard Associates, Inc. | Methods and systems related to time triggered geofencing |
US20150004572A1 (en) * | 2013-06-26 | 2015-01-01 | Caterpillar Inc. | Real-Time Operation-Based Onboard Coaching System |
US9513702B2 (en) * | 2013-07-15 | 2016-12-06 | Lg Electronics Inc. | Mobile terminal for vehicular display system with gaze detection |
AP2016009057A0 (en) | 2013-07-25 | 2016-02-29 | Gruppo Potente Ltd | Device and method for monitoring vehicles |
US9902343B2 (en) | 2013-07-31 | 2018-02-27 | Driverdo Llc | Digital vehicle tag and method of integration in vehicle allocation system |
US9776632B2 (en) | 2013-07-31 | 2017-10-03 | Elwha Llc | Systems and methods for adaptive vehicle sensing systems |
US9230442B2 (en) | 2013-07-31 | 2016-01-05 | Elwha Llc | Systems and methods for adaptive vehicle sensing systems |
US10181104B2 (en) | 2013-07-31 | 2019-01-15 | Driverdo Llc | Allocation system and method of deploying resources |
US9269268B2 (en) | 2013-07-31 | 2016-02-23 | Elwha Llc | Systems and methods for adaptive vehicle sensing systems |
US9947051B1 (en) | 2013-08-16 | 2018-04-17 | United Services Automobile Association | Identifying and recommending insurance policy products/services using informatic sensor data |
US8935036B1 (en) | 2013-09-06 | 2015-01-13 | State Farm Mutual Automobile Insurance Company | Systems and methods for updating a driving tip model using telematics data |
US9898642B2 (en) | 2013-09-09 | 2018-02-20 | Apple Inc. | Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs |
US10572943B1 (en) | 2013-09-10 | 2020-02-25 | Allstate Insurance Company | Maintaining current insurance information at a mobile device |
US10949923B1 (en) | 2013-09-16 | 2021-03-16 | Allstate Insurance Company | Home device sensing |
US9443270B1 (en) | 2013-09-17 | 2016-09-13 | Allstate Insurance Company | Obtaining insurance information in response to optical input |
US10169821B2 (en) * | 2013-09-20 | 2019-01-01 | Elwha Llc | Systems and methods for insurance based upon status of vehicle software |
US10115164B1 (en) * | 2013-10-04 | 2018-10-30 | State Farm Mutual Automobile Insurance Company | Systems and methods to quantify and differentiate individual insurance risk based on actual driving behavior and driving environment |
US9141112B1 (en) | 2013-10-16 | 2015-09-22 | Allstate Insurance Company | Caravan management |
EP3063608B1 (en) | 2013-10-30 | 2020-02-12 | Apple Inc. | Displaying relevant user interface objects |
WO2015076915A1 (en) * | 2013-11-19 | 2015-05-28 | Mashhur Zarif Haque | Allocation system and method of deploying resources |
US9805521B1 (en) | 2013-12-03 | 2017-10-31 | United Parcel Service Of America, Inc. | Systems and methods for assessing turns made by a vehicle |
US11257162B1 (en) | 2013-12-05 | 2022-02-22 | Allstate Insurance Company | Insurance based on driving data |
US10692149B1 (en) | 2013-12-06 | 2020-06-23 | Allstate Insurance Company | Event based insurance model |
US20160283963A1 (en) * | 2013-12-20 | 2016-09-29 | Alexandra C. Zafiroglu | Providing real-time access to resources based on driving record |
US11087404B1 (en) | 2014-01-10 | 2021-08-10 | United Services Automobile Association (Usaa) | Electronic sensor management |
US10552911B1 (en) | 2014-01-10 | 2020-02-04 | United Services Automobile Association (Usaa) | Determining status of building modifications using informatics sensor data |
US11416941B1 (en) | 2014-01-10 | 2022-08-16 | United Services Automobile Association (Usaa) | Electronic sensor management |
US20150213519A1 (en) * | 2014-01-28 | 2015-07-30 | Nissan North America, Inc. | Method and device for determining vehicle condition based on non-operational factors |
US20170076396A1 (en) * | 2014-02-04 | 2017-03-16 | Menachem Sudak | Monitoring system and method |
GB201401873D0 (en) * | 2014-02-04 | 2014-03-19 | Sudak Menachem M | Monitoring system and method |
US10380692B1 (en) | 2014-02-21 | 2019-08-13 | Allstate Insurance Company | Home device sensing |
US10430887B1 (en) | 2014-02-21 | 2019-10-01 | Allstate Insurance Company | Device sensing |
US11847666B1 (en) | 2014-02-24 | 2023-12-19 | United Services Automobile Association (Usaa) | Determining status of building modifications using informatics sensor data |
US10614525B1 (en) | 2014-03-05 | 2020-04-07 | United Services Automobile Association (Usaa) | Utilizing credit and informatic data for insurance underwriting purposes |
US10467701B1 (en) | 2014-03-10 | 2019-11-05 | Allstate Insurance Company | Home event detection and processing |
US11176475B1 (en) | 2014-03-11 | 2021-11-16 | Applied Underwriters, Inc. | Artificial intelligence system for training a classifier |
US11809434B1 (en) | 2014-03-11 | 2023-11-07 | Applied Underwriters, Inc. | Semantic analysis system for ranking search results |
US9996878B1 (en) | 2014-03-11 | 2018-06-12 | Liberty Mutual Insurance Company | In-vehicle infotainment insurance applications |
US10846295B1 (en) | 2019-08-08 | 2020-11-24 | Applied Underwriters, Inc. | Semantic analysis system for ranking search results |
US20150269681A1 (en) * | 2014-03-18 | 2015-09-24 | Hti Ip, Llc | Competitive bidding platform for vehicle insurance |
US10121203B2 (en) | 2014-05-08 | 2018-11-06 | State Farm Mutual Automobile Insurance Company | Systems and methods for identifying and assessing location-based risks for vehicles |
US11127042B2 (en) | 2014-05-19 | 2021-09-21 | Allstate Insurance Company | Content output systems using vehicle-based data |
US9293042B1 (en) | 2014-05-19 | 2016-03-22 | Allstate Insurance Company | Electronic display systems connected to vehicles and vehicle-based systems |
US10423982B2 (en) | 2014-05-19 | 2019-09-24 | Allstate Insurance Company | Content output systems using vehicle-based data |
US10133530B2 (en) | 2014-05-19 | 2018-11-20 | Allstate Insurance Company | Electronic display systems connected to vehicles and vehicle-based systems |
US10043185B2 (en) * | 2014-05-29 | 2018-08-07 | Apple Inc. | User interface for payments |
US20170221150A1 (en) * | 2014-07-08 | 2017-08-03 | Matan BICHACHO | Behavior dependent insurance |
WO2016036552A1 (en) | 2014-09-02 | 2016-03-10 | Apple Inc. | User interactions for a mapping application |
US9846977B1 (en) * | 2014-09-02 | 2017-12-19 | Metromile, Inc. | Systems and methods for determining vehicle trip information |
US9607453B2 (en) * | 2014-09-14 | 2017-03-28 | Crown Equipment Corporation | Dynamic industrial vehicle measure |
US10991049B1 (en) | 2014-09-23 | 2021-04-27 | United Services Automobile Association (Usaa) | Systems and methods for acquiring insurance related informatics |
US11574368B1 (en) | 2014-10-06 | 2023-02-07 | State Farm Mutual Automobile Insurance Company | Risk mitigation for affinity groupings |
US10664920B1 (en) | 2014-10-06 | 2020-05-26 | State Farm Mutual Automobile Insurance Company | Blockchain systems and methods for providing insurance coverage to affinity groups |
US10713728B1 (en) | 2014-10-06 | 2020-07-14 | State Farm Mutual Automobile Insurance Company | Risk mitigation for affinity groupings |
US20210166320A1 (en) | 2014-10-06 | 2021-06-03 | State Farm Mutual Automobile Insurance Company | System and method for obtaining and/or maintaining insurance coverage |
US20210358045A1 (en) | 2014-10-06 | 2021-11-18 | State Farm Mutual Automobile Insurance Company | Medical diagnostic-initiated insurance offering |
US10360576B1 (en) | 2014-10-09 | 2019-07-23 | Allstate Insurance Company | Interactive rewards system for rewarding drivers |
US9830665B1 (en) * | 2014-11-14 | 2017-11-28 | United Services Automobile Association | Telematics system, apparatus and method |
US10990938B2 (en) * | 2014-11-17 | 2021-04-27 | John Hancock Life Insurance Company (U.S.A.) | Methods and systems for implementing dynamic billing |
US20160189304A1 (en) * | 2014-12-30 | 2016-06-30 | Paypal, Inc. | Detection of users and vehicle usage for variable insurance terms |
US10713717B1 (en) | 2015-01-22 | 2020-07-14 | Allstate Insurance Company | Total loss evaluation and handling system and method |
US10915964B1 (en) | 2015-03-03 | 2021-02-09 | Allstate Insurance Company | System and method for providing vehicle services based on driving behaviors |
US20180053200A1 (en) * | 2015-03-09 | 2018-02-22 | Koninklijke Philips N.V. | Incentivizing sharing of wearable technology sensor data |
US10083551B1 (en) | 2015-04-13 | 2018-09-25 | Allstate Insurance Company | Automatic crash detection |
US9767625B1 (en) | 2015-04-13 | 2017-09-19 | Allstate Insurance Company | Automatic crash detection |
US20160334221A1 (en) | 2015-05-11 | 2016-11-17 | United Parcel Service Of America, Inc. | Determining street segment headings |
US10489863B1 (en) | 2015-05-27 | 2019-11-26 | United Services Automobile Association (Usaa) | Roof inspection systems and methods |
US20160358133A1 (en) | 2015-06-05 | 2016-12-08 | Apple Inc. | User interface for loyalty accounts and private label accounts for a wearable device |
US9940637B2 (en) | 2015-06-05 | 2018-04-10 | Apple Inc. | User interface for loyalty accounts and private label accounts |
US10565593B1 (en) | 2015-06-11 | 2020-02-18 | Allstate Insurance Company | System and method for accumulation and maintenance of money in a vehicle maintenance savings account |
US20170011465A1 (en) * | 2015-07-08 | 2017-01-12 | Here Global B.V. | Method and apparatus for providing fee rate based on safety score |
US10252727B1 (en) | 2015-09-04 | 2019-04-09 | United Services Automobile Association (Usaa) | Systems and methods for configuring a vehicle |
US9587952B1 (en) * | 2015-09-09 | 2017-03-07 | Allstate Insurance Company | Altering autonomous or semi-autonomous vehicle operation based on route traversal values |
US10997663B1 (en) | 2015-09-29 | 2021-05-04 | State Farm Mutual Automobile Insurance Company | Proactive weather event communication system and method |
US9892464B2 (en) | 2015-10-08 | 2018-02-13 | Blackbird Holdings, LLC | System and method of real time detection of aerial vehicle flight patterns and insurance policy updates |
US10346446B2 (en) * | 2015-11-02 | 2019-07-09 | Radiant Geospatial Solutions Llc | System and method for aggregating multi-source data and identifying geographic areas for data acquisition |
US10692126B2 (en) | 2015-11-17 | 2020-06-23 | Nio Usa, Inc. | Network-based system for selling and servicing cars |
US10630723B1 (en) | 2015-12-03 | 2020-04-21 | United Services Automobile Association (Usaa) | Determining policy characteristics based on route similarity |
US9701279B1 (en) | 2016-01-12 | 2017-07-11 | Gordon*Howard Associates, Inc. | On board monitoring device |
US10449967B1 (en) | 2016-03-01 | 2019-10-22 | Allstate Insurance Company | Vehicle to vehicle telematics |
JP6962316B2 (en) * | 2016-03-29 | 2021-11-05 | ソニーグループ株式会社 | Information processing equipment, information processing methods, programs, and systems |
US10407078B2 (en) * | 2016-04-26 | 2019-09-10 | Sivalogeswaran Ratnasingam | Dynamic learning driving system and method |
US20210398220A1 (en) * | 2016-05-11 | 2021-12-23 | State Farm Mutual Automobile Insurance Company | Systems and methods for allocating vehicle costs between vehicle users by determining a vehicle driver |
DK179186B1 (en) | 2016-05-19 | 2018-01-15 | Apple Inc | REMOTE AUTHORIZATION TO CONTINUE WITH AN ACTION |
US10621581B2 (en) | 2016-06-11 | 2020-04-14 | Apple Inc. | User interface for transactions |
DK201670622A1 (en) | 2016-06-12 | 2018-02-12 | Apple Inc | User interfaces for transactions |
US10825094B2 (en) | 2016-06-17 | 2020-11-03 | Allstate Insurance Company | Parsing databases to generate customized recommendations for home assessment |
US20180012197A1 (en) | 2016-07-07 | 2018-01-11 | NextEv USA, Inc. | Battery exchange licensing program based on state of charge of battery pack |
US9928734B2 (en) | 2016-08-02 | 2018-03-27 | Nio Usa, Inc. | Vehicle-to-pedestrian communication systems |
WO2018028799A1 (en) * | 2016-08-12 | 2018-02-15 | Swiss Reinsurance Company Ltd. | Telematics system with vehicle-embedded telematics devices (oem line fitted) for score-driven, automated insurance and corresponding method |
CN106780042A (en) * | 2016-09-05 | 2017-05-31 | 中国人民财产保险股份有限公司 | Driving behavior data acquisition and evaluation method based on Intelligent mobile equipment |
US20180068313A1 (en) | 2016-09-06 | 2018-03-08 | Apple Inc. | User interfaces for stored-value accounts |
US11361380B2 (en) | 2016-09-21 | 2022-06-14 | Allstate Insurance Company | Enhanced image capture and analysis of damaged tangible objects |
US10902525B2 (en) | 2016-09-21 | 2021-01-26 | Allstate Insurance Company | Enhanced image capture and analysis of damaged tangible objects |
US10496808B2 (en) | 2016-10-25 | 2019-12-03 | Apple Inc. | User interface for managing access to credentials for use in an operation |
US20210304313A1 (en) | 2016-10-28 | 2021-09-30 | State Farm Mutual Automobile Insurance Company | Driver profiles based upon compliance with driver-specific limitations |
US11024160B2 (en) | 2016-11-07 | 2021-06-01 | Nio Usa, Inc. | Feedback performance control and tracking |
US10708547B2 (en) | 2016-11-11 | 2020-07-07 | Nio Usa, Inc. | Using vehicle sensor data to monitor environmental and geologic conditions |
US10694357B2 (en) | 2016-11-11 | 2020-06-23 | Nio Usa, Inc. | Using vehicle sensor data to monitor pedestrian health |
US10410064B2 (en) | 2016-11-11 | 2019-09-10 | Nio Usa, Inc. | System for tracking and identifying vehicles and pedestrians |
US10515390B2 (en) | 2016-11-21 | 2019-12-24 | Nio Usa, Inc. | Method and system for data optimization |
US10249104B2 (en) | 2016-12-06 | 2019-04-02 | Nio Usa, Inc. | Lease observation and event recording |
US9947052B1 (en) | 2016-12-20 | 2018-04-17 | Allstate Insurance Company | Controlling autonomous vehicles to optimize traffic characteristics |
US11361388B1 (en) | 2017-01-11 | 2022-06-14 | State Farm Mutual Automobile Insurance Company | Blockchain systems and methods for managing usage-based contracts |
US11030699B1 (en) | 2017-01-17 | 2021-06-08 | State Farm Mutual Automobile Insurance Company | Blockchain controlled multi-carrier auction system for usage-based auto insurance |
US10074223B2 (en) | 2017-01-13 | 2018-09-11 | Nio Usa, Inc. | Secured vehicle for user use only |
US9984572B1 (en) | 2017-01-16 | 2018-05-29 | Nio Usa, Inc. | Method and system for sharing parking space availability among autonomous vehicles |
US10031521B1 (en) | 2017-01-16 | 2018-07-24 | Nio Usa, Inc. | Method and system for using weather information in operation of autonomous vehicles |
US10471829B2 (en) | 2017-01-16 | 2019-11-12 | Nio Usa, Inc. | Self-destruct zone and autonomous vehicle navigation |
US10464530B2 (en) | 2017-01-17 | 2019-11-05 | Nio Usa, Inc. | Voice biometric pre-purchase enrollment for autonomous vehicles |
US10286915B2 (en) | 2017-01-17 | 2019-05-14 | Nio Usa, Inc. | Machine learning for personalized driving |
US10897469B2 (en) | 2017-02-02 | 2021-01-19 | Nio Usa, Inc. | System and method for firewalls between vehicle networks |
US11132653B1 (en) * | 2017-03-09 | 2021-09-28 | United Services Automobile Association (Usaa) | Supplemental data transmission for network transactions |
US10733311B2 (en) | 2017-03-29 | 2020-08-04 | International Business Machines Corporation | Cognitive internet of things (IoT) gateways for data security and privacy protection in real-time context-based data applications |
US11087267B1 (en) | 2017-04-12 | 2021-08-10 | Wells Fargo Bank, N.A. | Configurable vehicle |
US10937103B1 (en) | 2017-04-21 | 2021-03-02 | Allstate Insurance Company | Machine learning based accident assessment |
US20230162287A1 (en) * | 2017-05-05 | 2023-05-25 | BlueOwl, LLC | Systems and methods for managing insurance contracts using telematics data to build a user profile |
US10191462B2 (en) | 2017-06-06 | 2019-01-29 | International Business Machines Corporation | Vehicle electronic receptionist for communications management |
US10438074B2 (en) * | 2017-06-14 | 2019-10-08 | Baidu Usa Llc | Method and system for controlling door locks of autonomous driving vehicles based on lane information |
US10234302B2 (en) | 2017-06-27 | 2019-03-19 | Nio Usa, Inc. | Adaptive route and motion planning based on learned external and internal vehicle environment |
US10369974B2 (en) | 2017-07-14 | 2019-08-06 | Nio Usa, Inc. | Control and coordination of driverless fuel replenishment for autonomous vehicles |
US10710633B2 (en) | 2017-07-14 | 2020-07-14 | Nio Usa, Inc. | Control of complex parking maneuvers and autonomous fuel replenishment of driverless vehicles |
US10837790B2 (en) | 2017-08-01 | 2020-11-17 | Nio Usa, Inc. | Productive and accident-free driving modes for a vehicle |
KR102185854B1 (en) | 2017-09-09 | 2020-12-02 | 애플 인크. | Implementation of biometric authentication |
KR102301599B1 (en) | 2017-09-09 | 2021-09-10 | 애플 인크. | Implementation of biometric authentication |
US10960895B1 (en) | 2017-09-27 | 2021-03-30 | State Farm Mutual Automobile Insurance Company | Automatically tracking driving activity |
US10635109B2 (en) | 2017-10-17 | 2020-04-28 | Nio Usa, Inc. | Vehicle path-planner monitor and controller |
US11334951B1 (en) * | 2017-10-27 | 2022-05-17 | Wells Fargo Bank, N.A. | Trip-segment payments for vehicle insurance |
US10935978B2 (en) | 2017-10-30 | 2021-03-02 | Nio Usa, Inc. | Vehicle self-localization using particle filters and visual odometry |
US10606274B2 (en) | 2017-10-30 | 2020-03-31 | Nio Usa, Inc. | Visual place recognition based self-localization for autonomous vehicles |
US10717412B2 (en) | 2017-11-13 | 2020-07-21 | Nio Usa, Inc. | System and method for controlling a vehicle using secondary access methods |
US11492013B2 (en) * | 2017-11-30 | 2022-11-08 | Robert Bosch Gmbh | Vehicle fleet management having a hierarchy of priority factors |
US11443381B2 (en) | 2017-12-04 | 2022-09-13 | Allstate Insurance Company | Multicomputer processing of user data with centralized event control |
US11436648B1 (en) | 2018-05-04 | 2022-09-06 | Allstate Insurance Company | Processing system having a machine learning engine for providing a surface dimension output |
US11257132B1 (en) | 2018-05-04 | 2022-02-22 | Allstate Insurance Company | Processing systems and methods having a machine learning engine for providing a surface dimension output |
US10369966B1 (en) | 2018-05-23 | 2019-08-06 | Nio Usa, Inc. | Controlling access to a vehicle using wireless access devices |
US11170085B2 (en) | 2018-06-03 | 2021-11-09 | Apple Inc. | Implementation of biometric authentication |
CN109000932B (en) * | 2018-06-15 | 2021-05-28 | 奇瑞汽车股份有限公司 | Wearable device for automobile dynamic performance evaluation and dynamic performance evaluation method |
US11501343B2 (en) * | 2018-07-23 | 2022-11-15 | Motional Ad Llc | System and method to charge a penalty fee to an uncooperative client of an automated-taxi |
US11100349B2 (en) | 2018-09-28 | 2021-08-24 | Apple Inc. | Audio assisted enrollment |
US20200104875A1 (en) | 2018-09-28 | 2020-04-02 | Allstate Insurance Company | Data Processing System with Machine Learning Engine to Provide Output Generation Functions |
US10860096B2 (en) | 2018-09-28 | 2020-12-08 | Apple Inc. | Device control using gaze information |
US11348181B1 (en) * | 2018-10-31 | 2022-05-31 | United Services Automobile Association (Usaa) | Method and system for assessing driving risks by detecting driving routines |
JP2020086611A (en) * | 2018-11-16 | 2020-06-04 | トヨタ自動車株式会社 | Server device and information processing method |
US10748219B2 (en) * | 2019-01-08 | 2020-08-18 | Onoff, Inc. | Method and system for dynamically changing automobile insurance |
US11076274B1 (en) * | 2019-01-28 | 2021-07-27 | United Services Automobile Association (Usaa) | Monitoring of data to predict driving events |
US10926798B2 (en) | 2019-01-28 | 2021-02-23 | Ford Global Technologies, Llc | Pothole display |
US10668930B1 (en) * | 2019-02-04 | 2020-06-02 | State Farm Mutual Automobile Insurance Company | Determining acceptable driving behavior based on vehicle specific characteristics |
US10527706B1 (en) * | 2019-02-19 | 2020-01-07 | Great Wall Motor Company Limited | Localization methods and systems for autonomous systems |
US11328352B2 (en) | 2019-03-24 | 2022-05-10 | Apple Inc. | User interfaces for managing an account |
WO2020202694A1 (en) * | 2019-03-29 | 2020-10-08 | 日本電気株式会社 | Surveillance system, surveillance device, surveillance method, and non-temporary computer readable medium |
US11477609B2 (en) | 2019-06-01 | 2022-10-18 | Apple Inc. | User interfaces for location-related communications |
US11481094B2 (en) | 2019-06-01 | 2022-10-25 | Apple Inc. | User interfaces for location-related communications |
US11386502B2 (en) * | 2019-06-13 | 2022-07-12 | Sure, Inc. | Automatic action-based product provisioning |
US10946862B1 (en) | 2019-06-25 | 2021-03-16 | Allstate Insurance Company | Utilizing vehicle telematics to detect, evaluate, and respond to driving behaviors |
FR3100647B1 (en) * | 2019-09-11 | 2021-12-10 | Lojelis Holding | VEHICLE RENTAL MANAGEMENT PROCESS AND DEVICE |
US11169830B2 (en) | 2019-09-29 | 2021-11-09 | Apple Inc. | Account management user interfaces |
KR102602556B1 (en) | 2019-09-29 | 2023-11-14 | 애플 인크. | Account management user interfaces |
WO2021074816A1 (en) * | 2019-10-14 | 2021-04-22 | Janse Van Rensburg Jacob Stephanus | Financial management method and system |
CN117036056A (en) * | 2019-10-30 | 2023-11-10 | 博泰车联网科技(上海)股份有限公司 | Method, mobile device, and computer-readable storage medium for generating insurance information |
US11107175B2 (en) * | 2019-11-12 | 2021-08-31 | Here Global B.V. | Method, apparatus, and system for providing ride-sharing functions based on joint motion |
US11574367B2 (en) | 2019-12-20 | 2023-02-07 | Securian Financial Group, Inc. | Estimate potential insurance payout |
US11599951B1 (en) * | 2020-01-13 | 2023-03-07 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating on-demand insurance policies |
US11341525B1 (en) | 2020-01-24 | 2022-05-24 | BlueOwl, LLC | Systems and methods for telematics data marketplace |
DK202070633A1 (en) | 2020-04-10 | 2021-11-12 | Apple Inc | User interfaces for enabling an activity |
US11657458B2 (en) * | 2020-06-10 | 2023-05-23 | Allstate Insurance Company | Data processing system for secure data sharing and customized output generation |
US11816194B2 (en) | 2020-06-21 | 2023-11-14 | Apple Inc. | User interfaces for managing secure operations |
WO2022015488A1 (en) * | 2020-07-16 | 2022-01-20 | Qomplx, Inc. | Event-driven model refinement for insurance and risk management |
US20220067839A1 (en) * | 2020-08-31 | 2022-03-03 | Rivian Ip Holdings, Llc | Collecting and evaluating driving data for extending an insurance offer |
US20230325930A1 (en) * | 2021-03-22 | 2023-10-12 | BlueOwl, LLC | Systems and methods for providing vehicle insurance discounts based on user driving behaviors |
JP2023017643A (en) * | 2021-07-26 | 2023-02-07 | トヨタ自動車株式会社 | Information processing device, reward determination method, and reward determination program |
US11776064B2 (en) | 2021-08-24 | 2023-10-03 | Toyota Motor Engineering & Manufacturing North America, Inc. | Driver classification systems and methods for obtaining an insurance rate for a vehicle |
US20230146426A1 (en) * | 2021-10-04 | 2023-05-11 | BlueOwl, LLC | Systems and methods for managing vehicle operator profiles based on telematics inferences via an auction telematics marketplace with a bid profit predictive model |
Citations (105)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5548273A (en) * | 1993-06-29 | 1996-08-20 | Competition Components International Pty Ltd | Vehicle driving monitor apparatus |
US5797134A (en) * | 1996-01-29 | 1998-08-18 | Progressive Casualty Insurance Company | Motor vehicle monitoring system for determining a cost of insurance |
US5852811A (en) * | 1987-04-15 | 1998-12-22 | Proprietary Financial Products, Inc. | Method for managing financial accounts by a preferred allocation of funds among accounts |
US5918180A (en) * | 1995-12-22 | 1999-06-29 | Dimino; Michael | Telephone operable global tracking system for vehicles |
US5964821A (en) * | 1995-04-07 | 1999-10-12 | Delco Electronics Corporation | Mapless GPS navigation system with sortable destinations and zone preference |
US6141611A (en) * | 1998-12-01 | 2000-10-31 | John J. Mackey | Mobile vehicle accident data system |
US20020026334A1 (en) * | 1998-11-23 | 2002-02-28 | Edward W. Igoe | Agent-centric insurance quoting service |
US20020046207A1 (en) * | 2000-06-30 | 2002-04-18 | Seiko Epson Corporation | Information distribution system, information distribution method, and computer program for implementing the method |
US20020065687A1 (en) * | 2000-11-30 | 2002-05-30 | Tsubasa System Co., Ltd. | System for processing insurance benefit agreements and computer readable medium storing a program therefor |
US20020069157A1 (en) * | 2000-09-15 | 2002-06-06 | Jordan Michael S. | Exchange fusion |
US20020095317A1 (en) * | 2000-08-10 | 2002-07-18 | Miralink Corporation | Data/presence insurance tools and techniques |
US20020097193A1 (en) * | 2001-01-23 | 2002-07-25 | Freecar Media | System and method to increase the efficiency of outdoor advertising |
US20020116228A1 (en) * | 1999-07-30 | 2002-08-22 | Alan R. Bauer | Method and apparatus for internet on-line insurance policy service |
US6456982B1 (en) * | 1993-07-01 | 2002-09-24 | Dragana N. Pilipovic | Computer system for generating projected data and an application supporting a financial transaction |
US6456207B1 (en) * | 2001-02-20 | 2002-09-24 | John Yen | Intelligent taxi total service system |
US6502020B2 (en) * | 2001-01-18 | 2002-12-31 | Brook W. Lang | Driving record monitoring system and method |
US20030050825A1 (en) * | 2001-09-05 | 2003-03-13 | Impactrx, Inc. | Computerized pharmaceutical sales representative performance analysis system and method of use |
US20030058842A1 (en) * | 2000-02-24 | 2003-03-27 | Andrew Bud | System and method for providing information services to a mobile device user |
US20030069761A1 (en) * | 2001-10-10 | 2003-04-10 | Increment P Corporation, Shuji Kawakami, And Nobuhiro Shoji | System for taking out insurance policy, method of taking out insurance policy, server apparatus and terminal apparatus |
US20030093304A1 (en) * | 2001-11-02 | 2003-05-15 | Keller James B. | System and method for managing short term risk |
US6594635B1 (en) * | 1998-10-24 | 2003-07-15 | Marketcore.Com, Inc. | Data processing system for providing an efficient market for insurance and reinsurance |
US6615187B1 (en) * | 2000-02-09 | 2003-09-02 | Warren S. Ashenmil | Method of securitizing and trading real estate brokerage options |
US20030177140A1 (en) * | 2001-02-28 | 2003-09-18 | Answer Financial, Inc. | Method for developing application programs using program constructs |
US20030220835A1 (en) * | 2002-05-23 | 2003-11-27 | Barnes Melvin L. | System, method, and computer program product for providing location based services and mobile e-commerce |
US20030224854A1 (en) * | 2002-05-31 | 2003-12-04 | Joao Raymond Anthony | Apparatus and method for facilitating gaming activity and/or gambling activity |
US20040039609A1 (en) * | 2002-08-22 | 2004-02-26 | Sarah Burkitt | System and method for payment of insurance premiums for vessels |
US20040122570A1 (en) * | 2000-10-16 | 2004-06-24 | Osamu Sonoyama | Automated guided vehicle, operation control system and method for the same, and automotive vehicle |
US20040143378A1 (en) * | 2001-10-18 | 2004-07-22 | Vogelsang Andrew John | Portable speed-recording device for motor vehicles |
US20040153362A1 (en) * | 1996-01-29 | 2004-08-05 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US20040160327A1 (en) * | 2002-12-03 | 2004-08-19 | Omron Corporation | System for mediating safety drive information, safety drive information mediating apparatus used therein and method for confirming safety drive information |
US20050049765A1 (en) * | 2003-08-27 | 2005-03-03 | Sacagawea21 Inc. | Method and apparatus for advertising assessment using location and temporal information |
US6868386B1 (en) * | 1996-01-29 | 2005-03-15 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US20050065711A1 (en) * | 2003-04-07 | 2005-03-24 | Darwin Dahlgren | Centralized facility and intelligent on-board vehicle platform for collecting, analyzing and distributing information relating to transportation infrastructure and conditions |
US20050071202A1 (en) * | 2003-09-30 | 2005-03-31 | Kendrick Rodney B. | System of charging for automobile insurance |
US6889064B2 (en) * | 2000-03-22 | 2005-05-03 | Ronald Baratono | Combined rear view mirror and telephone |
US20050099279A1 (en) * | 2000-11-22 | 2005-05-12 | Fred Forbes | Vehicular black box monitoring system |
US20050125148A1 (en) * | 2003-12-08 | 2005-06-09 | Van Buer Darrel J. | Prediction of vehicle operator destinations |
US20050156726A1 (en) * | 2004-01-20 | 2005-07-21 | Faurecia Automotive Seating Canada Limited | Vehicle seatbelt usage sensing apparatus and method for generating and transmitting a seatbelt warning signal |
US20050222730A1 (en) * | 2002-04-05 | 2005-10-06 | Asko Taipale | Method for identifying a person driving a vehicle and controlling driving manner |
US20050243558A1 (en) * | 2004-04-30 | 2005-11-03 | Guide Corporation | LED assembly with reverse circuit board |
US7010289B2 (en) * | 2002-05-24 | 2006-03-07 | General Motors Corporation | Method and system for vehicle data upload |
US20060053038A1 (en) * | 2004-09-08 | 2006-03-09 | Warren Gregory S | Calculation of driver score based on vehicle operation |
US20060074724A1 (en) * | 2004-09-24 | 2006-04-06 | Schwartz James D | Method and apparatus for bundling insurance coverages in order to gain a pricing advantage |
US20060129313A1 (en) * | 2004-12-14 | 2006-06-15 | Becker Craig H | System and method for driving directions based on non-map criteria |
US20060212195A1 (en) * | 2005-03-15 | 2006-09-21 | Veith Gregory W | Vehicle data recorder and telematic device |
US20060229940A1 (en) * | 2000-04-28 | 2006-10-12 | James Grossman | Method of distributing printed advertising |
US7142962B1 (en) * | 2006-02-28 | 2006-11-28 | Bayerische Motoren Werke Aktiengesellschaft | Method for the wireless defect elimination on a motor vehicle |
US7145442B1 (en) * | 2003-10-14 | 2006-12-05 | Yu Hei Sunny Wai | Vehicle operation display system |
US20060286989A1 (en) * | 2005-05-20 | 2006-12-21 | Illion Brian E B | Geographical and calendar based advertising system and method |
WO2007008159A2 (en) * | 2005-07-11 | 2007-01-18 | Volvo Technology Corporation | Method for performing driver identity verification |
US7174171B2 (en) * | 2001-09-01 | 2007-02-06 | At&T Corp. | Vehicle occupant response system |
US20070050248A1 (en) * | 2005-08-26 | 2007-03-01 | Palo Alto Research Center Incorporated | System and method to manage advertising and coupon presentation in vehicles |
US20070073477A1 (en) * | 2005-09-29 | 2007-03-29 | Microsoft Corporation | Methods for predicting destinations from partial trajectories employing open- and closed-world modeling methods |
US20070112475A1 (en) * | 2005-11-17 | 2007-05-17 | Motility Systems, Inc. | Power management systems and devices |
US20070168233A1 (en) * | 2006-01-16 | 2007-07-19 | Chris Hymel | Method for actuarial determination of the cost of one-time procedural or professional liability insurance policy |
US20070208751A1 (en) * | 2005-11-22 | 2007-09-06 | David Cowan | Personalized content control |
US20070208497A1 (en) * | 2006-03-03 | 2007-09-06 | Inrix, Inc. | Detecting anomalous road traffic conditions |
US20070232354A1 (en) * | 2005-04-06 | 2007-10-04 | Yossi Moscovitz | Subscriber Identity Module and Mobile Communications Device Using Such Module |
US20070239992A1 (en) * | 2006-02-13 | 2007-10-11 | Steve White | Method and system for preventing unauthorized use of a vehicle by an operator of the vehicle |
US20070257804A1 (en) * | 2006-05-08 | 2007-11-08 | Drivecam, Inc. | System and Method for Reducing Driving Risk With Foresight |
WO2008001125A1 (en) * | 2006-06-30 | 2008-01-03 | Auto-Txt Limited | Drive performance monitoring and enhancement |
US20080059019A1 (en) * | 2006-08-29 | 2008-03-06 | International Business Machines Coporation | Method and system for on-board automotive audio recorder |
US20080064446A1 (en) * | 2006-08-30 | 2008-03-13 | Camp William O | Method for safe operation of mobile phone in a car environment |
US20080077451A1 (en) * | 2006-09-22 | 2008-03-27 | Hartford Fire Insurance Company | System for synergistic data processing |
US20080085689A1 (en) * | 2006-10-06 | 2008-04-10 | Bellsouth Intellectual Property Corporation | Mode changing of a mobile communications device and vehicle settings when the mobile communications device is in proximity to a vehicle |
US20080102894A1 (en) * | 2006-10-25 | 2008-05-01 | Samsung Electronics Co., Ltd. | Mobile terminal and data display method by individual sim cards |
US20080120175A1 (en) * | 2006-11-20 | 2008-05-22 | Jeff Doering | Driver Input Analysis and Feedback System |
US20080126138A1 (en) * | 2006-11-24 | 2008-05-29 | Eagle Insurance Agency, Inc. | System and method for presenting insurance offers |
US20080147245A1 (en) * | 2006-12-19 | 2008-06-19 | Skyway Systems, Inc. | System and method for provisioning a vehicle interface module |
US20080154714A1 (en) * | 2006-12-21 | 2008-06-26 | Microsoft Corporation | Personalized e-coupons for mobile communication devices |
US7395219B2 (en) * | 2001-12-08 | 2008-07-01 | Kenneth Ray Strech | Insurance on demand transaction management system |
US20080188217A1 (en) * | 2007-02-06 | 2008-08-07 | J. J. Keller & Associates, Inc. | Electronic driver logging system and method |
US20080228605A1 (en) * | 2001-08-06 | 2008-09-18 | Wang Shaun S | Computer System and Method for Pricing Financial and Insurance Risks with Historically- Known or Computer-Generated Probability Distributions |
US20080243558A1 (en) * | 2007-03-27 | 2008-10-02 | Ash Gupte | System and method for monitoring driving behavior with feedback |
US20080255888A1 (en) * | 2007-04-10 | 2008-10-16 | Berkobin Eric C | Methods, Systems, and Apparatuses for Determining Driver Behavior |
US20080270519A1 (en) * | 2004-05-12 | 2008-10-30 | Hans Ekdahl | Method in a Communication Network for Distributing Vehicle Driving Information and System Implementing the Method |
US20080294302A1 (en) * | 2007-05-23 | 2008-11-27 | Basir Otman A | Recording and reporting of driving characteristics using wireless mobile device |
US20080299900A1 (en) * | 2007-06-04 | 2008-12-04 | Michael Lesyna | Method and system for limiting the functionality of a mobile electronic device |
US7469215B2 (en) * | 2005-09-07 | 2008-12-23 | International Business Machines Corporation | Method for processing insurance coverage requests |
US20080319602A1 (en) * | 2007-06-25 | 2008-12-25 | Mcclellan Scott | System and Method for Monitoring and Improving Driver Behavior |
US20090024273A1 (en) * | 2007-07-17 | 2009-01-22 | Todd Follmer | System and Method for Providing a User Interface for Vehicle Monitoring System Users and Insurers |
US20090024419A1 (en) * | 2007-07-17 | 2009-01-22 | Mcclellan Scott | System and Method for Categorizing Driving Behavior Using Driver Mentoring and/or Monitoring Equipment to Determine an Underwriting Risk |
US20090024420A1 (en) * | 2007-07-17 | 2009-01-22 | Steve Winkler | Automatic insurance adjustments using real world awareness |
US20090030853A1 (en) * | 2007-03-30 | 2009-01-29 | De La Motte Alain L | System and a method of profiting or generating income from the built-in equity in real estate assets or any other form of illiquid asset |
US20090037230A1 (en) * | 2007-07-11 | 2009-02-05 | Tracy Thomas J | System for Electronic Application of Discounts to Insurance Policies |
US20090048774A1 (en) * | 2005-12-07 | 2009-02-19 | Mototaka Yoshioka | Route information display device and route information display method |
US20090063201A1 (en) * | 2008-10-11 | 2009-03-05 | Nowotarski Mark S | SoberTeenTM Driving Insurance |
US20090077229A1 (en) * | 2007-03-09 | 2009-03-19 | Kenneth Ebbs | Procedures and models for data collection and event reporting on remote devices and the configuration thereof |
US20090082948A1 (en) * | 2007-07-25 | 2009-03-26 | Hitachi, Ltd. | Traffic incident detection system |
US20090109037A1 (en) * | 2000-08-11 | 2009-04-30 | Telanon, Inc. | Automated consumer to business electronic marketplace system |
US7567914B2 (en) * | 2003-04-30 | 2009-07-28 | Genworth Financial, Inc. | System and process for dominance classification for insurance underwriting suitable for use by an automated system |
US20090287499A1 (en) * | 2008-05-16 | 2009-11-19 | Link Ii Charles M | Method and system for automatically provisioning a device and registering vehicle modules with a telematics services provider |
US20100057556A1 (en) * | 2005-04-12 | 2010-03-04 | Armand Rousso | Apparatuses, Methods And Systems To Identify, Generate, And Aggregate Qualified Sales and Marketing Leads For Distribution Via an Online Competitive Bidding System |
US20100063850A1 (en) * | 2008-09-11 | 2010-03-11 | Isaac Sayo Daniel | System and method for determining an objective driver score |
US20100070171A1 (en) * | 2006-09-14 | 2010-03-18 | University Of South Florida | System and Method for Real-Time Travel Path Prediction and Automatic Incident Alerts |
US7698158B1 (en) * | 2000-10-24 | 2010-04-13 | Theinsuranceadvisor Technologies, Inc. | Life insurance policy evaluation method |
US7734525B2 (en) * | 2005-09-27 | 2010-06-08 | Morgan Stanley | Hybrid multi-thread and multi-process computer simulation system and methods |
US20100205012A1 (en) * | 2007-07-17 | 2010-08-12 | Mcclellan Scott | System and method for providing a user interface for vehicle mentoring system users and insurers |
US7827046B2 (en) * | 2005-11-22 | 2010-11-02 | Plymouth Rock Assurance Corporation | Premium transition factor |
US7865378B2 (en) * | 2004-10-29 | 2011-01-04 | Milemeter, Inc. | System and method for the assessment, pricing, and provisioning of distance-based vehicle insurance |
US20110022417A1 (en) * | 2009-07-24 | 2011-01-27 | Rao Nagaraj V | Insurance quoting system and method |
US7937278B1 (en) * | 2005-01-18 | 2011-05-03 | Allstate Insurance Company | Usage-based insurance cost determination system and method |
US20110161232A1 (en) * | 2009-12-28 | 2011-06-30 | Brown Kerry D | Virtualization of authentication token for secure applications |
US20110294520A1 (en) * | 2008-10-09 | 2011-12-01 | University Of Utah Research Foundation | System and Method for Preventing Cell Phone Use While Driving |
US8140358B1 (en) * | 1996-01-29 | 2012-03-20 | Progressive Casualty Insurance Company | Vehicle monitoring system |
Family Cites Families (35)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US579134A (en) * | 1897-03-23 | Gary p | ||
JP2907858B2 (en) * | 1989-03-20 | 1999-06-21 | 株式会社日立製作所 | Display device and method |
US5557254A (en) * | 1993-11-16 | 1996-09-17 | Mobile Security Communications, Inc. | Programmable vehicle monitoring and security system having multiple access verification devices |
US8169311B1 (en) * | 1999-12-15 | 2012-05-01 | Automotive Technologies International, Inc. | Wireless transmission system for vehicular component control and monitoring |
US5884274A (en) * | 1996-11-15 | 1999-03-16 | Walker Asset Management Limited Partnership | System and method for generating and executing insurance policies for foreign exchange losses |
US20020111725A1 (en) * | 2000-07-17 | 2002-08-15 | Burge John R. | Method and apparatus for risk-related use of vehicle communication system data |
US7941258B1 (en) * | 2000-08-31 | 2011-05-10 | Strategic Design Federation W, Inc. | Automobile monitoring for operation analysis |
US20020078173A1 (en) * | 2000-09-25 | 2002-06-20 | Horn Paul H. | Data acquisition system and method |
JP2002318844A (en) | 2001-02-15 | 2002-10-31 | Hitachi Ltd | Method for managing vehicle |
JP2002259708A (en) * | 2001-03-06 | 2002-09-13 | Toyota Motor Corp | Vehicular insurance bill calculating system, on-vehicle device, and server device |
JP2003050914A (en) * | 2001-08-08 | 2003-02-21 | Hitachi Ltd | Insurance contract system, control method for insurance contract, and portable terminal device for the same |
US6888386B2 (en) * | 2002-04-23 | 2005-05-03 | Winbond Electronics Corporation | Method and apparatus for change pump circuit |
US7401233B2 (en) * | 2003-06-24 | 2008-07-15 | International Business Machines Corporation | Method, system, and apparatus for dynamic data-driven privacy policy protection and data sharing |
US7756782B2 (en) * | 2003-07-28 | 2010-07-13 | Trading Technologies International, Inc. | System and method for improved electronic trading |
US8048174B2 (en) * | 2003-12-10 | 2011-11-01 | Panasonic Corporation | Theft prevention system |
US7715961B1 (en) * | 2004-04-28 | 2010-05-11 | Agnik, Llc | Onboard driver, vehicle and fleet data mining |
FI116942B (en) * | 2004-05-10 | 2006-04-13 | Biohit Oyj | Protein and peptide stabilization |
WO2007109541A2 (en) * | 2006-03-16 | 2007-09-27 | Brubaker Curtis M | System and method for obtaining revenue through the display of hyper-relevant advertising on moving objects |
US20070216521A1 (en) * | 2006-02-28 | 2007-09-20 | Guensler Randall L | Real-time traffic citation probability display system and method |
GB0605069D0 (en) * | 2006-03-14 | 2006-04-26 | Airmax Group Plc | Method and system for driver style monitoring and analysing |
US7966647B1 (en) * | 2006-08-16 | 2011-06-21 | Resource Consortium Limited | Sending personal information to a personal information aggregator |
US8930204B1 (en) * | 2006-08-16 | 2015-01-06 | Resource Consortium Limited | Determining lifestyle recommendations using aggregated personal information |
US20080123138A1 (en) * | 2006-11-29 | 2008-05-29 | Joy Banerjee | Image Fit To Media Area Method |
WO2008079325A1 (en) * | 2006-12-22 | 2008-07-03 | Hartford Fire Insurance Company | System and method for utilizing interrelated computerized predictive models |
US7692552B2 (en) * | 2007-01-23 | 2010-04-06 | International Business Machines Corporation | Method and system for improving driver safety and situational awareness |
WO2008097499A1 (en) * | 2007-02-02 | 2008-08-14 | Hartford Fire Insurance Company | Safety evaluation and feedback system and method |
US20100094482A1 (en) * | 2007-07-20 | 2010-04-15 | Kenneth Schofield | Vehicle tracking system |
US20090112634A1 (en) * | 2007-10-24 | 2009-04-30 | Koziol Joseph D | Insurance Transaction System and Method |
CN102017550A (en) * | 2007-11-14 | 2011-04-13 | 高通股份有限公司 | Methods and systems for determining a geographic user profile to determine suitability of targeted content messages based on the profile |
US8433588B2 (en) * | 2008-06-10 | 2013-04-30 | Progressive Casualty Insurance Company | Customizable insurance system |
US10210479B2 (en) * | 2008-07-29 | 2019-02-19 | Hartford Fire Insurance Company | Computerized sysem and method for data acquistion and application of disparate data to two stage bayesian networks to generate centrally maintained portable driving score data |
US20100100485A1 (en) * | 2008-10-20 | 2010-04-22 | Mark Haddy | System for the safe, private transmission of motor vehicle records |
US20100153137A1 (en) * | 2008-12-11 | 2010-06-17 | Rao Nagaraj V | Multidimensional insurance quoting system and method |
US8346577B2 (en) * | 2009-05-29 | 2013-01-01 | Hyperquest, Inc. | Automation of auditing claims |
US8793036B2 (en) * | 2010-09-22 | 2014-07-29 | The Boeing Company | Trackless transit system with adaptive vehicles |
-
2009
- 2009-02-27 US US12/395,342 patent/US20100131300A1/en not_active Abandoned
- 2009-06-23 US US12/490,033 patent/US20100131301A1/en not_active Abandoned
- 2009-07-07 US US12/498,446 patent/US20100131302A1/en not_active Abandoned
- 2009-08-06 US US12/536,999 patent/US20100131303A1/en not_active Abandoned
- 2009-08-26 US US12/547,800 patent/US20100131304A1/en not_active Abandoned
- 2009-11-05 US US12/612,958 patent/US8620692B2/en not_active Expired - Fee Related
- 2009-11-23 US US12/624,371 patent/US8255275B2/en not_active Expired - Fee Related
- 2009-11-23 US US12/624,366 patent/US20100131307A1/en not_active Abandoned
- 2009-11-24 WO PCT/US2009/065730 patent/WO2010062899A1/en active Application Filing
-
2012
- 2012-06-21 US US13/529,866 patent/US8484113B2/en not_active Expired - Fee Related
-
2013
- 2013-07-01 US US13/933,043 patent/US20130297418A1/en not_active Abandoned
- 2013-12-09 US US14/101,208 patent/US20140100892A1/en not_active Abandoned
-
2015
- 2015-07-21 US US14/805,164 patent/US20150324928A1/en not_active Abandoned
- 2015-07-21 US US14/805,133 patent/US9996884B2/en not_active Expired - Fee Related
- 2015-08-03 US US14/816,725 patent/US20150339780A1/en not_active Abandoned
-
2018
- 2018-05-11 US US15/977,193 patent/US20180260908A1/en not_active Abandoned
Patent Citations (109)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5852811A (en) * | 1987-04-15 | 1998-12-22 | Proprietary Financial Products, Inc. | Method for managing financial accounts by a preferred allocation of funds among accounts |
US5548273A (en) * | 1993-06-29 | 1996-08-20 | Competition Components International Pty Ltd | Vehicle driving monitor apparatus |
US6456982B1 (en) * | 1993-07-01 | 2002-09-24 | Dragana N. Pilipovic | Computer system for generating projected data and an application supporting a financial transaction |
US5964821A (en) * | 1995-04-07 | 1999-10-12 | Delco Electronics Corporation | Mapless GPS navigation system with sortable destinations and zone preference |
US5918180A (en) * | 1995-12-22 | 1999-06-29 | Dimino; Michael | Telephone operable global tracking system for vehicles |
US6064970A (en) * | 1996-01-29 | 2000-05-16 | Progressive Casualty Insurance Company | Motor vehicle monitoring system for determining a cost of insurance |
US8090598B2 (en) * | 1996-01-29 | 2012-01-03 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US20040153362A1 (en) * | 1996-01-29 | 2004-08-05 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US6868386B1 (en) * | 1996-01-29 | 2005-03-15 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US8140358B1 (en) * | 1996-01-29 | 2012-03-20 | Progressive Casualty Insurance Company | Vehicle monitoring system |
US5797134A (en) * | 1996-01-29 | 1998-08-18 | Progressive Casualty Insurance Company | Motor vehicle monitoring system for determining a cost of insurance |
US6594635B1 (en) * | 1998-10-24 | 2003-07-15 | Marketcore.Com, Inc. | Data processing system for providing an efficient market for insurance and reinsurance |
US20020026334A1 (en) * | 1998-11-23 | 2002-02-28 | Edward W. Igoe | Agent-centric insurance quoting service |
US6141611A (en) * | 1998-12-01 | 2000-10-31 | John J. Mackey | Mobile vehicle accident data system |
US20020116228A1 (en) * | 1999-07-30 | 2002-08-22 | Alan R. Bauer | Method and apparatus for internet on-line insurance policy service |
US6615187B1 (en) * | 2000-02-09 | 2003-09-02 | Warren S. Ashenmil | Method of securitizing and trading real estate brokerage options |
US20030058842A1 (en) * | 2000-02-24 | 2003-03-27 | Andrew Bud | System and method for providing information services to a mobile device user |
US6889064B2 (en) * | 2000-03-22 | 2005-05-03 | Ronald Baratono | Combined rear view mirror and telephone |
US20060229940A1 (en) * | 2000-04-28 | 2006-10-12 | James Grossman | Method of distributing printed advertising |
US20020046207A1 (en) * | 2000-06-30 | 2002-04-18 | Seiko Epson Corporation | Information distribution system, information distribution method, and computer program for implementing the method |
US20020095317A1 (en) * | 2000-08-10 | 2002-07-18 | Miralink Corporation | Data/presence insurance tools and techniques |
US20090109037A1 (en) * | 2000-08-11 | 2009-04-30 | Telanon, Inc. | Automated consumer to business electronic marketplace system |
US20020069157A1 (en) * | 2000-09-15 | 2002-06-06 | Jordan Michael S. | Exchange fusion |
US20040122570A1 (en) * | 2000-10-16 | 2004-06-24 | Osamu Sonoyama | Automated guided vehicle, operation control system and method for the same, and automotive vehicle |
US7698158B1 (en) * | 2000-10-24 | 2010-04-13 | Theinsuranceadvisor Technologies, Inc. | Life insurance policy evaluation method |
US20050099279A1 (en) * | 2000-11-22 | 2005-05-12 | Fred Forbes | Vehicular black box monitoring system |
US20020065687A1 (en) * | 2000-11-30 | 2002-05-30 | Tsubasa System Co., Ltd. | System for processing insurance benefit agreements and computer readable medium storing a program therefor |
US6502020B2 (en) * | 2001-01-18 | 2002-12-31 | Brook W. Lang | Driving record monitoring system and method |
US20020097193A1 (en) * | 2001-01-23 | 2002-07-25 | Freecar Media | System and method to increase the efficiency of outdoor advertising |
US6456207B1 (en) * | 2001-02-20 | 2002-09-24 | John Yen | Intelligent taxi total service system |
US20030177140A1 (en) * | 2001-02-28 | 2003-09-18 | Answer Financial, Inc. | Method for developing application programs using program constructs |
US20080228605A1 (en) * | 2001-08-06 | 2008-09-18 | Wang Shaun S | Computer System and Method for Pricing Financial and Insurance Risks with Historically- Known or Computer-Generated Probability Distributions |
US7174171B2 (en) * | 2001-09-01 | 2007-02-06 | At&T Corp. | Vehicle occupant response system |
US20030050825A1 (en) * | 2001-09-05 | 2003-03-13 | Impactrx, Inc. | Computerized pharmaceutical sales representative performance analysis system and method of use |
US20030069761A1 (en) * | 2001-10-10 | 2003-04-10 | Increment P Corporation, Shuji Kawakami, And Nobuhiro Shoji | System for taking out insurance policy, method of taking out insurance policy, server apparatus and terminal apparatus |
US20040143378A1 (en) * | 2001-10-18 | 2004-07-22 | Vogelsang Andrew John | Portable speed-recording device for motor vehicles |
US20030093304A1 (en) * | 2001-11-02 | 2003-05-15 | Keller James B. | System and method for managing short term risk |
US7395219B2 (en) * | 2001-12-08 | 2008-07-01 | Kenneth Ray Strech | Insurance on demand transaction management system |
US20050222730A1 (en) * | 2002-04-05 | 2005-10-06 | Asko Taipale | Method for identifying a person driving a vehicle and controlling driving manner |
US20030220835A1 (en) * | 2002-05-23 | 2003-11-27 | Barnes Melvin L. | System, method, and computer program product for providing location based services and mobile e-commerce |
US7010289B2 (en) * | 2002-05-24 | 2006-03-07 | General Motors Corporation | Method and system for vehicle data upload |
US20030224854A1 (en) * | 2002-05-31 | 2003-12-04 | Joao Raymond Anthony | Apparatus and method for facilitating gaming activity and/or gambling activity |
US20040039609A1 (en) * | 2002-08-22 | 2004-02-26 | Sarah Burkitt | System and method for payment of insurance premiums for vessels |
US20040160327A1 (en) * | 2002-12-03 | 2004-08-19 | Omron Corporation | System for mediating safety drive information, safety drive information mediating apparatus used therein and method for confirming safety drive information |
US20050065711A1 (en) * | 2003-04-07 | 2005-03-24 | Darwin Dahlgren | Centralized facility and intelligent on-board vehicle platform for collecting, analyzing and distributing information relating to transportation infrastructure and conditions |
US7567914B2 (en) * | 2003-04-30 | 2009-07-28 | Genworth Financial, Inc. | System and process for dominance classification for insurance underwriting suitable for use by an automated system |
US20050049765A1 (en) * | 2003-08-27 | 2005-03-03 | Sacagawea21 Inc. | Method and apparatus for advertising assessment using location and temporal information |
US20050071202A1 (en) * | 2003-09-30 | 2005-03-31 | Kendrick Rodney B. | System of charging for automobile insurance |
US7145442B1 (en) * | 2003-10-14 | 2006-12-05 | Yu Hei Sunny Wai | Vehicle operation display system |
US20050125148A1 (en) * | 2003-12-08 | 2005-06-09 | Van Buer Darrel J. | Prediction of vehicle operator destinations |
US20050156726A1 (en) * | 2004-01-20 | 2005-07-21 | Faurecia Automotive Seating Canada Limited | Vehicle seatbelt usage sensing apparatus and method for generating and transmitting a seatbelt warning signal |
US20050243558A1 (en) * | 2004-04-30 | 2005-11-03 | Guide Corporation | LED assembly with reverse circuit board |
US20080270519A1 (en) * | 2004-05-12 | 2008-10-30 | Hans Ekdahl | Method in a Communication Network for Distributing Vehicle Driving Information and System Implementing the Method |
US20060053038A1 (en) * | 2004-09-08 | 2006-03-09 | Warren Gregory S | Calculation of driver score based on vehicle operation |
US20070027726A1 (en) * | 2004-09-08 | 2007-02-01 | Warren Gregory S | Calculation of driver score based on vehicle operation for forward looking insurance premiums |
US20060074724A1 (en) * | 2004-09-24 | 2006-04-06 | Schwartz James D | Method and apparatus for bundling insurance coverages in order to gain a pricing advantage |
US7865378B2 (en) * | 2004-10-29 | 2011-01-04 | Milemeter, Inc. | System and method for the assessment, pricing, and provisioning of distance-based vehicle insurance |
US20060129313A1 (en) * | 2004-12-14 | 2006-06-15 | Becker Craig H | System and method for driving directions based on non-map criteria |
US7937278B1 (en) * | 2005-01-18 | 2011-05-03 | Allstate Insurance Company | Usage-based insurance cost determination system and method |
US20060212195A1 (en) * | 2005-03-15 | 2006-09-21 | Veith Gregory W | Vehicle data recorder and telematic device |
US20070232354A1 (en) * | 2005-04-06 | 2007-10-04 | Yossi Moscovitz | Subscriber Identity Module and Mobile Communications Device Using Such Module |
US20100057556A1 (en) * | 2005-04-12 | 2010-03-04 | Armand Rousso | Apparatuses, Methods And Systems To Identify, Generate, And Aggregate Qualified Sales and Marketing Leads For Distribution Via an Online Competitive Bidding System |
US20060286989A1 (en) * | 2005-05-20 | 2006-12-21 | Illion Brian E B | Geographical and calendar based advertising system and method |
WO2007008159A2 (en) * | 2005-07-11 | 2007-01-18 | Volvo Technology Corporation | Method for performing driver identity verification |
US20080252412A1 (en) * | 2005-07-11 | 2008-10-16 | Volvo Technology Corporation | Method for Performing Driver Identity Verification |
US20070050248A1 (en) * | 2005-08-26 | 2007-03-01 | Palo Alto Research Center Incorporated | System and method to manage advertising and coupon presentation in vehicles |
US7469215B2 (en) * | 2005-09-07 | 2008-12-23 | International Business Machines Corporation | Method for processing insurance coverage requests |
US7734525B2 (en) * | 2005-09-27 | 2010-06-08 | Morgan Stanley | Hybrid multi-thread and multi-process computer simulation system and methods |
US20070073477A1 (en) * | 2005-09-29 | 2007-03-29 | Microsoft Corporation | Methods for predicting destinations from partial trajectories employing open- and closed-world modeling methods |
US20070112475A1 (en) * | 2005-11-17 | 2007-05-17 | Motility Systems, Inc. | Power management systems and devices |
US7827046B2 (en) * | 2005-11-22 | 2010-11-02 | Plymouth Rock Assurance Corporation | Premium transition factor |
US20070208751A1 (en) * | 2005-11-22 | 2007-09-06 | David Cowan | Personalized content control |
US20090048774A1 (en) * | 2005-12-07 | 2009-02-19 | Mototaka Yoshioka | Route information display device and route information display method |
US20070168233A1 (en) * | 2006-01-16 | 2007-07-19 | Chris Hymel | Method for actuarial determination of the cost of one-time procedural or professional liability insurance policy |
US20070239992A1 (en) * | 2006-02-13 | 2007-10-11 | Steve White | Method and system for preventing unauthorized use of a vehicle by an operator of the vehicle |
US7142962B1 (en) * | 2006-02-28 | 2006-11-28 | Bayerische Motoren Werke Aktiengesellschaft | Method for the wireless defect elimination on a motor vehicle |
US20070208497A1 (en) * | 2006-03-03 | 2007-09-06 | Inrix, Inc. | Detecting anomalous road traffic conditions |
US20070257804A1 (en) * | 2006-05-08 | 2007-11-08 | Drivecam, Inc. | System and Method for Reducing Driving Risk With Foresight |
WO2008001125A1 (en) * | 2006-06-30 | 2008-01-03 | Auto-Txt Limited | Drive performance monitoring and enhancement |
US20080059019A1 (en) * | 2006-08-29 | 2008-03-06 | International Business Machines Coporation | Method and system for on-board automotive audio recorder |
US20080064446A1 (en) * | 2006-08-30 | 2008-03-13 | Camp William O | Method for safe operation of mobile phone in a car environment |
US20100070171A1 (en) * | 2006-09-14 | 2010-03-18 | University Of South Florida | System and Method for Real-Time Travel Path Prediction and Automatic Incident Alerts |
US20080077451A1 (en) * | 2006-09-22 | 2008-03-27 | Hartford Fire Insurance Company | System for synergistic data processing |
US20080085689A1 (en) * | 2006-10-06 | 2008-04-10 | Bellsouth Intellectual Property Corporation | Mode changing of a mobile communications device and vehicle settings when the mobile communications device is in proximity to a vehicle |
US20080102894A1 (en) * | 2006-10-25 | 2008-05-01 | Samsung Electronics Co., Ltd. | Mobile terminal and data display method by individual sim cards |
US20080120175A1 (en) * | 2006-11-20 | 2008-05-22 | Jeff Doering | Driver Input Analysis and Feedback System |
US20080126138A1 (en) * | 2006-11-24 | 2008-05-29 | Eagle Insurance Agency, Inc. | System and method for presenting insurance offers |
US20080147245A1 (en) * | 2006-12-19 | 2008-06-19 | Skyway Systems, Inc. | System and method for provisioning a vehicle interface module |
US20080154714A1 (en) * | 2006-12-21 | 2008-06-26 | Microsoft Corporation | Personalized e-coupons for mobile communication devices |
US20080188217A1 (en) * | 2007-02-06 | 2008-08-07 | J. J. Keller & Associates, Inc. | Electronic driver logging system and method |
US20090077229A1 (en) * | 2007-03-09 | 2009-03-19 | Kenneth Ebbs | Procedures and models for data collection and event reporting on remote devices and the configuration thereof |
US20080243558A1 (en) * | 2007-03-27 | 2008-10-02 | Ash Gupte | System and method for monitoring driving behavior with feedback |
US20090030853A1 (en) * | 2007-03-30 | 2009-01-29 | De La Motte Alain L | System and a method of profiting or generating income from the built-in equity in real estate assets or any other form of illiquid asset |
US20080255888A1 (en) * | 2007-04-10 | 2008-10-16 | Berkobin Eric C | Methods, Systems, and Apparatuses for Determining Driver Behavior |
US20080294302A1 (en) * | 2007-05-23 | 2008-11-27 | Basir Otman A | Recording and reporting of driving characteristics using wireless mobile device |
US20080299900A1 (en) * | 2007-06-04 | 2008-12-04 | Michael Lesyna | Method and system for limiting the functionality of a mobile electronic device |
US20080319602A1 (en) * | 2007-06-25 | 2008-12-25 | Mcclellan Scott | System and Method for Monitoring and Improving Driver Behavior |
US20090037230A1 (en) * | 2007-07-11 | 2009-02-05 | Tracy Thomas J | System for Electronic Application of Discounts to Insurance Policies |
US20090024273A1 (en) * | 2007-07-17 | 2009-01-22 | Todd Follmer | System and Method for Providing a User Interface for Vehicle Monitoring System Users and Insurers |
US20100205012A1 (en) * | 2007-07-17 | 2010-08-12 | Mcclellan Scott | System and method for providing a user interface for vehicle mentoring system users and insurers |
US20090024420A1 (en) * | 2007-07-17 | 2009-01-22 | Steve Winkler | Automatic insurance adjustments using real world awareness |
US20090024419A1 (en) * | 2007-07-17 | 2009-01-22 | Mcclellan Scott | System and Method for Categorizing Driving Behavior Using Driver Mentoring and/or Monitoring Equipment to Determine an Underwriting Risk |
US20090082948A1 (en) * | 2007-07-25 | 2009-03-26 | Hitachi, Ltd. | Traffic incident detection system |
US20090287499A1 (en) * | 2008-05-16 | 2009-11-19 | Link Ii Charles M | Method and system for automatically provisioning a device and registering vehicle modules with a telematics services provider |
US20100063850A1 (en) * | 2008-09-11 | 2010-03-11 | Isaac Sayo Daniel | System and method for determining an objective driver score |
US20110294520A1 (en) * | 2008-10-09 | 2011-12-01 | University Of Utah Research Foundation | System and Method for Preventing Cell Phone Use While Driving |
US20090063201A1 (en) * | 2008-10-11 | 2009-03-05 | Nowotarski Mark S | SoberTeenTM Driving Insurance |
US20110022417A1 (en) * | 2009-07-24 | 2011-01-27 | Rao Nagaraj V | Insurance quoting system and method |
US20110161232A1 (en) * | 2009-12-28 | 2011-06-30 | Brown Kerry D | Virtualization of authentication token for secure applications |
Non-Patent Citations (2)
Title |
---|
Chuck Rodgers, "Reporting from the Scene: Automated Crash Documentation," GPS World, July 2003, pp, 34 -41 * |
Willassen, Svein. Forensics and the GSM mobile telephone system. International Journal of Digital Evidence. Spring 2003. Volumn 22 Issue 1. * |
Cited By (564)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11355031B2 (en) | 2003-07-07 | 2022-06-07 | Insurance Services Office, Inc. | Traffic information system |
US10210772B2 (en) | 2003-07-07 | 2019-02-19 | Insurance Services Office, Inc. | Traffic information system |
US9619203B2 (en) | 2003-07-07 | 2017-04-11 | Insurance Services Office, Inc. | Method of analyzing driving behavior and warning the driver |
US20080255722A1 (en) * | 2006-05-22 | 2008-10-16 | Mcclellan Scott | System and Method for Evaluating Driver Behavior |
US8890717B2 (en) | 2006-05-22 | 2014-11-18 | Inthinc Technology Solutions, Inc. | System and method for monitoring and updating speed-by-street data |
US9067565B2 (en) | 2006-05-22 | 2015-06-30 | Inthinc Technology Solutions, Inc. | System and method for evaluating driver behavior |
US10522033B2 (en) | 2006-05-22 | 2019-12-31 | Inthinc LLC | Vehicle monitoring devices and methods for managing man down signals |
US9847021B2 (en) | 2006-05-22 | 2017-12-19 | Inthinc LLC | System and method for monitoring and updating speed-by-street data |
US10229462B2 (en) | 2007-05-10 | 2019-03-12 | Allstate Insurance Company | Route risk mitigation |
US11062341B2 (en) | 2007-05-10 | 2021-07-13 | Allstate Insurance Company | Road segment safety rating system |
US11847667B2 (en) | 2007-05-10 | 2023-12-19 | Allstate Insurance Company | Road segment safety rating system |
US10037580B2 (en) | 2007-05-10 | 2018-07-31 | Allstate Insurance Company | Route risk mitigation |
US10037578B2 (en) | 2007-05-10 | 2018-07-31 | Allstate Insurance Company | Route risk mitigation |
US10037579B2 (en) | 2007-05-10 | 2018-07-31 | Allstate Insurance Company | Route risk mitigation |
US10872380B2 (en) | 2007-05-10 | 2020-12-22 | Allstate Insurance Company | Route risk mitigation |
US10157422B2 (en) | 2007-05-10 | 2018-12-18 | Allstate Insurance Company | Road segment safety rating |
US11004152B2 (en) | 2007-05-10 | 2021-05-11 | Allstate Insurance Company | Route risk mitigation |
US9996883B2 (en) | 2007-05-10 | 2018-06-12 | Allstate Insurance Company | System for risk mitigation based on road geometry and weather factors |
US11037247B2 (en) | 2007-05-10 | 2021-06-15 | Allstate Insurance Company | Route risk mitigation |
US11565695B2 (en) | 2007-05-10 | 2023-01-31 | Arity International Limited | Route risk mitigation |
US9865019B2 (en) | 2007-05-10 | 2018-01-09 | Allstate Insurance Company | Route risk mitigation |
US11087405B2 (en) | 2007-05-10 | 2021-08-10 | Allstate Insurance Company | System for risk mitigation based on road geometry and weather factors |
US10074139B2 (en) | 2007-05-10 | 2018-09-11 | Allstate Insurance Company | Route risk mitigation |
US10096038B2 (en) | 2007-05-10 | 2018-10-09 | Allstate Insurance Company | Road segment safety rating system |
US9932033B2 (en) | 2007-05-10 | 2018-04-03 | Allstate Insurance Company | Route risk mitigation |
US9129460B2 (en) | 2007-06-25 | 2015-09-08 | Inthinc Technology Solutions, Inc. | System and method for monitoring and improving driver behavior |
US9117246B2 (en) * | 2007-07-17 | 2015-08-25 | Inthinc Technology Solutions, Inc. | System and method for providing a user interface for vehicle mentoring system users and insurers |
US8818618B2 (en) | 2007-07-17 | 2014-08-26 | Inthinc Technology Solutions, Inc. | System and method for providing a user interface for vehicle monitoring system users and insurers |
US20100205012A1 (en) * | 2007-07-17 | 2010-08-12 | Mcclellan Scott | System and method for providing a user interface for vehicle mentoring system users and insurers |
US20100219944A1 (en) * | 2009-02-27 | 2010-09-02 | General Motors Corporation | System and method for estimating an emergency level of a vehicular accident |
US8054168B2 (en) * | 2009-02-27 | 2011-11-08 | General Motors Llc | System and method for estimating an emergency level of a vehicular accident |
US9616849B1 (en) * | 2009-06-26 | 2017-04-11 | United Services Automobile Association | Systems and methods for providing driving insurance for an individual driver |
US11767020B2 (en) | 2009-07-21 | 2023-09-26 | Katasi Llc | Method and system for controlling and modifying driving behaviors |
US11751124B2 (en) | 2009-07-21 | 2023-09-05 | Katasi Inc. | Method and system for controlling a mobile communication device in a moving vehicle |
US11533395B2 (en) | 2009-07-21 | 2022-12-20 | Katasi, Inc. | Method and system for controlling a mobile communication device |
US11638198B2 (en) | 2009-07-21 | 2023-04-25 | Katasi Inc | Method and system for controlling a mobile communication device in a moving vehicle |
US11643088B2 (en) | 2009-07-21 | 2023-05-09 | Katasi, Inc. | Method and system for controlling and modifying driving behaviors |
US20110196571A1 (en) * | 2010-02-09 | 2011-08-11 | At&T Mobility Ii Llc | System And Method For The Collection And Monitoring Of Vehicle Data |
US20120004933A1 (en) * | 2010-02-09 | 2012-01-05 | At&T Mobility Ii Llc | System And Method For The Collection And Monitoring Of Vehicle Data |
US20120010906A1 (en) * | 2010-02-09 | 2012-01-12 | At&T Mobility Ii Llc | System And Method For The Collection And Monitoring Of Vehicle Data |
US8489433B2 (en) * | 2010-07-29 | 2013-07-16 | Insurance Services Office, Inc. | System and method for estimating loss propensity of an insured vehicle and providing driving information |
US20120029945A1 (en) * | 2010-07-29 | 2012-02-02 | Alexandra Altieri | System and Method for Estimating Loss Propensity of an Insured Vehicle and Providing Driving Information |
US20120095819A1 (en) * | 2010-10-14 | 2012-04-19 | Phone Through, Inc. | Apparatuses, methods, and computer program products enabling association of related product data and execution of transaction |
US8912883B2 (en) * | 2010-10-27 | 2014-12-16 | Ncr Corporation | Techniques for automating rental car transactions |
US20120105197A1 (en) * | 2010-10-27 | 2012-05-03 | Ncr Corporation | Techniques for automating rental car transactions |
US20220262175A1 (en) * | 2010-12-15 | 2022-08-18 | Auto Telematics Ltd. | Method and System for Logging Vehicle Behaviour |
US8718536B2 (en) | 2011-01-18 | 2014-05-06 | Marwan Hannon | Apparatus, system, and method for detecting the presence and controlling the operation of mobile devices within a vehicle |
US9369196B2 (en) * | 2011-01-18 | 2016-06-14 | Driving Management Systems, Inc. | Apparatus, system, and method for detecting the presence and controlling the operation of mobile devices within a vehicle |
US9854433B2 (en) | 2011-01-18 | 2017-12-26 | Driving Management Systems, Inc. | Apparatus, system, and method for detecting the presence and controlling the operation of mobile devices within a vehicle |
US9280145B2 (en) | 2011-01-18 | 2016-03-08 | Driving Management Systems, Inc. | Apparatus, system, and method for detecting the presence of an intoxicated driver and controlling the operation of a vehicle |
US20110183601A1 (en) * | 2011-01-18 | 2011-07-28 | Marwan Hannon | Apparatus, system, and method for detecting the presence and controlling the operation of mobile devices within a vehicle |
US9379805B2 (en) | 2011-01-18 | 2016-06-28 | Driving Management Systems, Inc. | Apparatus, system, and method for detecting the presence and controlling the operation of mobile devices within a vehicle |
US9758039B2 (en) | 2011-01-18 | 2017-09-12 | Driving Management Systems, Inc. | Apparatus, system, and method for detecting the presence of an intoxicated driver and controlling the operation of a vehicle |
US8686864B2 (en) | 2011-01-18 | 2014-04-01 | Marwan Hannon | Apparatus, system, and method for detecting the presence of an intoxicated driver and controlling the operation of a vehicle |
US20140179351A1 (en) * | 2011-01-18 | 2014-06-26 | Marwan Hannon | Apparatus, system, and method for detecting the presence and controlling the operation of mobile devices within a vehicle |
US20120295230A1 (en) * | 2011-05-20 | 2012-11-22 | Esposito Joseph C | Interactive driver's educational video game system and method |
US20130006675A1 (en) * | 2011-06-29 | 2013-01-03 | State Farm Insurance | Systems and methods using a mobile device to collect data for insurance premiums |
US9865018B2 (en) | 2011-06-29 | 2018-01-09 | State Farm Mutual Automobile Insurance Company | Systems and methods using a mobile device to collect data for insurance premiums |
US20130006674A1 (en) * | 2011-06-29 | 2013-01-03 | State Farm Insurance | Systems and Methods Using a Mobile Device to Collect Data for Insurance Premiums |
US10977601B2 (en) | 2011-06-29 | 2021-04-13 | State Farm Mutual Automobile Insurance Company | Systems and methods for controlling the collection of vehicle use data using a mobile device |
US10949925B2 (en) | 2011-06-29 | 2021-03-16 | State Farm Mutual Automobile Insurance Company | Systems and methods using a mobile device to collect data for insurance premiums |
US10504188B2 (en) | 2011-06-29 | 2019-12-10 | State Farm Mutual Automobile Insurance Company | Systems and methods using a mobile device to collect data for insurance premiums |
US10304139B2 (en) | 2011-06-29 | 2019-05-28 | State Farm Mutual Automobile Insurance Company | Systems and methods using a mobile device to collect data for insurance premiums |
US8930229B2 (en) * | 2011-06-29 | 2015-01-06 | State Farm Mutual Automobile Insurance Company | Systems and methods using a mobile device to collect data for insurance premiums |
US8930231B2 (en) * | 2011-06-29 | 2015-01-06 | State Farm Mutual Automobile Insurance Company | Methods using a mobile device to provide data for insurance premiums to a remote computer |
US10402907B2 (en) * | 2011-06-29 | 2019-09-03 | State Farm Mutual Automobile Insurance Company | Methods to determine a vehicle insurance premium based on vehicle operation data collected via a mobile device |
US10424022B2 (en) * | 2011-06-29 | 2019-09-24 | State Farm Mutual Automobile Insurance Company | Methods using a mobile device to provide data for insurance premiums to a remote computer |
US10410288B2 (en) | 2011-06-29 | 2019-09-10 | State Farm Mutual Automobile Insurance Company | Methods using a mobile device to provide data for insurance premiums to a remote computer |
US10264459B2 (en) | 2011-08-18 | 2019-04-16 | Ofinno Technologies, Llc | Automobile data transmission of encrypted data to a server via a base station |
US9838876B2 (en) | 2011-08-18 | 2017-12-05 | Ofinno Technologies, Llc | Automobile data transmission |
US8989089B2 (en) * | 2011-08-18 | 2015-03-24 | Ofinno Technologies, Llc | Automobile data transmission |
US11606692B2 (en) | 2011-08-18 | 2023-03-14 | Ofinno, Llc | Determining an environmental parameter from sensor data of a plurality of automobiles using a cellular network |
US10694387B2 (en) | 2011-08-18 | 2020-06-23 | Ofinno, Llc | Automobile data transmission |
US20150173067A1 (en) * | 2011-08-18 | 2015-06-18 | Ofinno Technologies, Llc | Automobile Data Transmission |
US20130046968A1 (en) * | 2011-08-18 | 2013-02-21 | Esmael Dinan | Automobile Data Transmission |
US9113461B2 (en) * | 2011-08-18 | 2015-08-18 | Ofinno Technologies, Llc | Automobile data transmission |
US8799035B2 (en) | 2011-08-19 | 2014-08-05 | Hartford Fire Insurance Company | System and method for determining an insurance premium based on complexity of a vehicle trip |
US8538785B2 (en) * | 2011-08-19 | 2013-09-17 | Hartford Fire Insurance Company | System and method for computing and scoring the complexity of a vehicle trip using geo-spatial information |
US9002883B1 (en) * | 2011-09-01 | 2015-04-07 | Google Inc. | Providing aggregated starting point information |
US8788114B2 (en) | 2011-10-26 | 2014-07-22 | Telenav, Inc. | Navigation system with compliance reporting and method of operation thereof |
US8892385B2 (en) | 2011-12-21 | 2014-11-18 | Scope Technologies Holdings Limited | System and method for use with an accelerometer to determine a frame of reference |
US9824064B2 (en) | 2011-12-21 | 2017-11-21 | Scope Technologies Holdings Limited | System and method for use of pattern recognition in assessing or monitoring vehicle status or operator driving behavior |
WO2013096908A1 (en) * | 2011-12-21 | 2013-06-27 | Scope Technologies Holdings Limited | Systems and methods for assessing or monitoring vehicle status or operator behavior |
US20130166326A1 (en) * | 2011-12-21 | 2013-06-27 | Scope Technologies Holdings Limited | System and method for characterizing driver performance and use in determining insurance coverage |
US8509812B2 (en) * | 2011-12-27 | 2013-08-13 | Flextronics Ap, Llc | Method and system for collecting automobile-related travel data with a smartphone |
US9916625B2 (en) * | 2012-02-02 | 2018-03-13 | Progressive Casualty Insurance Company | Mobile insurance platform system |
US20130204645A1 (en) * | 2012-02-02 | 2013-08-08 | Progressive Casualty Insurance Company | Mobile insurance platform system |
US10657597B1 (en) * | 2012-02-17 | 2020-05-19 | United Services Automobile Association (Usaa) | Systems and methods for dynamic insurance premiums |
US11488252B1 (en) | 2012-02-17 | 2022-11-01 | United Services Automobile Association (Usaa) | Systems and methods for dynamic insurance premiums |
US9483796B1 (en) | 2012-02-24 | 2016-11-01 | B3, Llc | Surveillance and positioning system |
US20130226624A1 (en) * | 2012-02-24 | 2013-08-29 | B3, Llc | Systems and methods for comprehensive insurance loss management and loss minimization |
US9582834B2 (en) | 2012-02-24 | 2017-02-28 | B3, Llc | Surveillance and positioning system |
US10380511B2 (en) | 2012-03-08 | 2019-08-13 | Husqvarna Ab | Outdoor power equipment fleet management system with operator performance monitoring |
US9973831B2 (en) * | 2012-03-08 | 2018-05-15 | Husqvarna Ab | Data collection system and method for fleet management |
US10104453B2 (en) | 2012-03-08 | 2018-10-16 | Husqvarna Ab | Equipment data sensor and sensing for fleet management |
US10032123B2 (en) | 2012-03-08 | 2018-07-24 | Husqvarna Ab | Fleet management portal for outdoor power equipment |
US10685299B2 (en) | 2012-03-08 | 2020-06-16 | Husqvarna Ab | Engine speed data usage system and method |
US9986311B2 (en) | 2012-03-08 | 2018-05-29 | Husqvarna Ab | Automated operator-equipment pairing system and method |
US20150123815A1 (en) * | 2012-03-08 | 2015-05-07 | Husqvarna Ab | Data collection system and method for fleet management |
US9990608B2 (en) | 2012-05-01 | 2018-06-05 | Innovation Specialists | Virtual professionals community for conducting virtual consultations with suggested professionals |
US10395328B2 (en) | 2012-05-01 | 2019-08-27 | Innovation Specialists Llc | Virtual professionals community for conducting virtual consultations with suggested professionals |
US8595037B1 (en) | 2012-05-08 | 2013-11-26 | Elwha Llc | Systems and methods for insurance based on monitored characteristics of an autonomous drive mode selection system |
US9000903B2 (en) | 2012-07-09 | 2015-04-07 | Elwha Llc | Systems and methods for vehicle monitoring |
US9165469B2 (en) | 2012-07-09 | 2015-10-20 | Elwha Llc | Systems and methods for coordinating sensor operation for collision detection |
US9558667B2 (en) | 2012-07-09 | 2017-01-31 | Elwha Llc | Systems and methods for cooperative collision detection |
US20140025401A1 (en) * | 2012-07-17 | 2014-01-23 | Peter L. Hagelstein | Data acquisition apparatus configured to acquire data for insurance purposes, and related systems and methods |
WO2014014749A1 (en) * | 2012-07-17 | 2014-01-23 | Searete Llc | Data acquisition apparatus configured to acquire data for insurance purposes, and related systems and methods |
US10360636B1 (en) | 2012-08-01 | 2019-07-23 | Allstate Insurance Company | System for capturing passenger and trip data for a taxi vehicle |
US11501384B2 (en) | 2012-08-01 | 2022-11-15 | Allstate Insurance Company | System for capturing passenger and trip data for a vehicle |
US10997669B1 (en) | 2012-08-01 | 2021-05-04 | Allstate Insurance Company | System for capturing passenger and trip data for a vehicle |
US20140058761A1 (en) * | 2012-08-21 | 2014-02-27 | Insurance Services Office, Inc. | Apparatus and Method for Analyzing Driving Performance Data |
US9428052B1 (en) * | 2012-09-08 | 2016-08-30 | Towers Watson Software Limited | Automated distraction measurement of machine operator |
US9141975B2 (en) | 2012-09-23 | 2015-09-22 | Intel Corporation | Inferring user risk profile from travel patterns |
WO2014045146A1 (en) * | 2012-09-23 | 2014-03-27 | Telmap Ltd | Inferring user risk profile from travel patterns |
US11157973B2 (en) | 2012-11-16 | 2021-10-26 | Scope Technologies Holdings Limited | System and method for estimation of vehicle accident damage and repair |
US9481344B2 (en) * | 2012-11-19 | 2016-11-01 | Magna Electronics Inc. | Braking control system for vehicle |
US20150329091A1 (en) * | 2012-11-19 | 2015-11-19 | Magna Electronics Inc. | Braking control system for vehicle |
US10023161B2 (en) | 2012-11-19 | 2018-07-17 | Magna Electronics Inc. | Braking control system for vehicle |
US20140149145A1 (en) * | 2012-11-29 | 2014-05-29 | State Farm Insurance | System and Method for Auto-Calibration and Auto-Correction of Primary and Secondary Motion for Telematics Applications via Wireless Mobile Devices |
US8930269B2 (en) * | 2012-12-17 | 2015-01-06 | State Farm Mutual Automobile Insurance Company | System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment |
US10343520B1 (en) | 2012-12-17 | 2019-07-09 | State Farm Mutual Automobile Insurance Company | Systems and methodologies for real-time driver gaze location determination and analysis utilizing computer vision technology |
US20140172467A1 (en) * | 2012-12-17 | 2014-06-19 | State Farm Mutual Automobile Insurance Company | System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment |
US9275532B2 (en) | 2012-12-17 | 2016-03-01 | State Farm Mutual Automobile Insurance Company | Systems and methodologies for real-time driver gaze location determination and analysis utilizing computer vision technology |
US10343693B1 (en) | 2012-12-17 | 2019-07-09 | State Farm Mutual Automobile Insurance Company | System and method for monitoring and reducing vehicle operator impairment |
US9868352B1 (en) | 2012-12-17 | 2018-01-16 | State Farm Mutual Automobile Insurance Company | Systems and methodologies for real-time driver gaze location determination and analysis utilizing computer vision technology |
US8981942B2 (en) | 2012-12-17 | 2015-03-17 | State Farm Mutual Automobile Insurance Company | System and method to monitor and reduce vehicle operator impairment |
US9932042B1 (en) | 2012-12-17 | 2018-04-03 | State Farm Mutual Automobile Insurance Company | System and method for monitoring and reducing vehicle operator impairment |
US10163163B1 (en) * | 2012-12-17 | 2018-12-25 | State Farm Mutual Automobile Insurance Company | System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment |
US9165326B1 (en) | 2012-12-17 | 2015-10-20 | State Farm Mutual Automobile Insurance Company | System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment |
US9758173B1 (en) | 2012-12-17 | 2017-09-12 | State Farm Mutual Automobile Insurance Company | System and method for monitoring and reducing vehicle operator impairment |
US10657598B2 (en) | 2012-12-20 | 2020-05-19 | Scope Technologies Holdings Limited | System and method for use of carbon emissions in characterizing driver performance |
US20180189764A1 (en) * | 2012-12-24 | 2018-07-05 | Good Travel Software Limited | Dynamic risk assessment and peer-to-peer transaction system and method |
US10952044B2 (en) | 2012-12-26 | 2021-03-16 | Truemotion, Inc. | Methods and systems for driver identification |
US8862486B2 (en) | 2012-12-26 | 2014-10-14 | Censio, Inc. | Methods and systems for driver identification |
US9398423B2 (en) | 2012-12-26 | 2016-07-19 | Truemotion, Inc. | Methods and systems for driver identification |
US11910281B2 (en) | 2012-12-26 | 2024-02-20 | Cambridge Mobile Telematics Inc. | Methods and systems for driver identification |
US10231093B2 (en) | 2012-12-26 | 2019-03-12 | Truemotion, Inc. | Methods and systems for driver identification |
US10395319B1 (en) | 2013-03-08 | 2019-08-27 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter and personalized insurance rates |
US9421864B1 (en) | 2013-03-08 | 2016-08-23 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter |
US9911159B1 (en) * | 2013-03-08 | 2018-03-06 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter |
US11676213B1 (en) | 2013-03-08 | 2023-06-13 | Allstate Insurance Company | Vehicle ignition control |
US9454786B1 (en) | 2013-03-08 | 2016-09-27 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter and personalized insurance rates |
US10395320B1 (en) | 2013-03-08 | 2019-08-27 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter and personalized insurance rates |
US9031545B1 (en) | 2013-03-08 | 2015-05-12 | Allstate Insurance Company | Encouraging safe driving using a remote vehicle starter |
US10984480B1 (en) | 2013-03-08 | 2021-04-20 | Allstate Insurance Company | Vehicle ignition control |
US9865020B1 (en) * | 2013-03-10 | 2018-01-09 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data |
US10387967B1 (en) * | 2013-03-10 | 2019-08-20 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data |
US20140257873A1 (en) * | 2013-03-10 | 2014-09-11 | State Farm Mutual Automobile Insurance Company | Systems and Methods for Generating Vehicle Insurance Policy Data Based on Empirical Vehicle Related Data |
US11068989B2 (en) | 2013-03-10 | 2021-07-20 | State Farm Mutual Automobile Insurance Company | Adjusting insurance policies based on common driving routes and other risk factors |
US9646347B1 (en) | 2013-03-10 | 2017-05-09 | State Farm Mutual Automobile Insurance Company | System and method for determining and monitoring auto insurance incentives |
US10013719B1 (en) | 2013-03-10 | 2018-07-03 | State Farm Mutual Automobile Insurance Company | Dynamic auto insurance policy quote creation based on tracked user data |
US10719879B1 (en) * | 2013-03-10 | 2020-07-21 | State Farm Mutual Automobile Insurance Company | Trip-based vehicle insurance |
US11610270B2 (en) | 2013-03-10 | 2023-03-21 | State Farm Mutual Automobile Insurance Company | Adjusting insurance policies based on common driving routes and other risk factors |
US9418383B1 (en) | 2013-03-10 | 2016-08-16 | State Farm Mutual Automobile Insurance Company | System and method for determining and monitoring auto insurance incentives |
US9141996B2 (en) | 2013-03-10 | 2015-09-22 | State Farm Mutual Automobile Insurance Company | Dynamic auto insurance policy quote creation based on tracked user data |
US10373264B1 (en) | 2013-03-10 | 2019-08-06 | State Farm Mutual Automobile Insurance Company | Vehicle image and sound data gathering for insurance rating purposes |
US10176530B1 (en) | 2013-03-10 | 2019-01-08 | State Farm Mutual Automobile Insurance Company | System and method for determining and monitoring auto insurance incentives |
US9208525B2 (en) | 2013-03-10 | 2015-12-08 | State Farm Mutual Automobile Insurance Company | System and method for determining and monitoring auto insurance incentives |
US11315189B1 (en) * | 2013-03-10 | 2022-04-26 | State Farm Mutual Automobile Insurance Company | Dynamic auto insurance policy quote creation based on tracked user data |
US9779458B2 (en) * | 2013-03-10 | 2017-10-03 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data |
US10937105B1 (en) | 2013-03-13 | 2021-03-02 | Arity International Limited | Telematics based on handset movement within a moving vehicle |
US10867354B1 (en) | 2013-03-13 | 2020-12-15 | Allstate Insurance Company | Risk behavior detection methods based on tracking handset movement within a moving vehicle |
US11941704B2 (en) | 2013-03-13 | 2024-03-26 | Allstate Insurance Company | Risk behavior detection methods based on tracking handset movement within a moving vehicle |
US11568496B1 (en) | 2013-03-13 | 2023-01-31 | Allstate Insurance Company | Risk behavior detection methods based on tracking handset movement within a moving vehicle |
US10096070B1 (en) | 2013-03-13 | 2018-10-09 | Allstate Insurance Company | Telematics based on handset movement within a moving vehicle |
US9672568B1 (en) * | 2013-03-13 | 2017-06-06 | Allstate Insurance Company | Risk behavior detection methods based on tracking handset movement within a moving vehicle |
US9846912B1 (en) | 2013-03-13 | 2017-12-19 | Allstate Insurance Company | Risk behavior detection methods based on tracking handset movement within a moving vehicle |
US9672570B1 (en) | 2013-03-13 | 2017-06-06 | Allstate Insurance Company | Telematics based on handset movement within a moving vehicle |
US10600126B1 (en) * | 2013-03-15 | 2020-03-24 | State Farm Mutual Automobile Insurance Company | Split sensing method |
US9633488B2 (en) * | 2013-03-15 | 2017-04-25 | Compagnie Generale Des Etablissements Michelin | Methods and apparatus for acquiring, transmitting, and storing vehicle performance information |
US9275552B1 (en) | 2013-03-15 | 2016-03-01 | State Farm Mutual Automobile Insurance Company | Real-time driver observation and scoring for driver'S education |
US9342993B1 (en) | 2013-03-15 | 2016-05-17 | State Farm Mutual Automobile Insurance Company | Real-time driver observation and scoring for driver's education |
US9830662B1 (en) * | 2013-03-15 | 2017-11-28 | State Farm Mutual Automobile Insurance Company | Split sensing method |
US10446047B1 (en) | 2013-03-15 | 2019-10-15 | State Farm Mutual Automotive Insurance Company | Real-time driver observation and scoring for driver'S education |
US20160031449A1 (en) * | 2013-03-15 | 2016-02-04 | Michelin Recherche Et Technique S.A. | Methods and apparatus for acquiring, transmitting, and storing vehicle performance information |
US9562776B2 (en) | 2013-04-23 | 2017-02-07 | Intelligent Mechatronic Systems Inc. | Location-based security |
US10414407B1 (en) | 2013-05-29 | 2019-09-17 | Allstate Insurance Company | Driving analysis using vehicle-to-vehicle communication |
US9147353B1 (en) | 2013-05-29 | 2015-09-29 | Allstate Insurance Company | Driving analysis using vehicle-to-vehicle communication |
US9623876B1 (en) | 2013-05-29 | 2017-04-18 | Allstate Insurance Company | Driving analysis using vehicle-to-vehicle communication |
US9053516B2 (en) | 2013-07-15 | 2015-06-09 | Jeffrey Stempora | Risk assessment using portable devices |
US11049183B1 (en) | 2013-08-02 | 2021-06-29 | State Farm Mutual Automobile Insurance Company | Wireless device to enable data collection for insurance rating purposes |
US9626723B2 (en) * | 2013-08-02 | 2017-04-18 | State Farm Mutual Automobile Insurance Company | Wireless device to enable data collection for insurance rating purposes |
US20150039353A1 (en) * | 2013-08-02 | 2015-02-05 | State Farm Mutual Automobile Insurance Company | Wireless Device to Enable Data Collection for Insurance Rating Purposes |
US8666789B1 (en) * | 2013-08-02 | 2014-03-04 | State Farm Mutual Automobile Insurance Company | Bluetooth device to enable data collection for insurance rating purposes |
US20150081344A1 (en) * | 2013-09-18 | 2015-03-19 | Esurance Insurance Services, Inc. | Insurance products for a camera device coupled to a vehicle |
US9262787B2 (en) | 2013-10-18 | 2016-02-16 | State Farm Mutual Automobile Insurance Company | Assessing risk using vehicle environment information |
US9275417B2 (en) | 2013-10-18 | 2016-03-01 | State Farm Mutual Automobile Insurance Company | Synchronization of vehicle sensor information |
US9892567B2 (en) * | 2013-10-18 | 2018-02-13 | State Farm Mutual Automobile Insurance Company | Vehicle sensor collection of other vehicle information |
US10223752B1 (en) | 2013-10-18 | 2019-03-05 | State Farm Mutual Automobile Insurance Company | Assessing risk using vehicle environment information |
US9361650B2 (en) | 2013-10-18 | 2016-06-07 | State Farm Mutual Automobile Insurance Company | Synchronization of vehicle sensor information |
US9959764B1 (en) | 2013-10-18 | 2018-05-01 | State Farm Mutual Automobile Insurance Company | Synchronization of vehicle sensor information |
US10991170B1 (en) | 2013-10-18 | 2021-04-27 | State Farm Mutual Automobile Insurance Company | Vehicle sensor collection of other vehicle information |
US9477990B1 (en) | 2013-10-18 | 2016-10-25 | State Farm Mutual Automobile Insurance Company | Creating a virtual model of a vehicle event based on sensor information |
US8954226B1 (en) | 2013-10-18 | 2015-02-10 | State Farm Mutual Automobile Insurance Company | Systems and methods for visualizing an accident involving a vehicle |
US10140417B1 (en) | 2013-10-18 | 2018-11-27 | State Farm Mutual Automobile Insurance Company | Creating a virtual model of a vehicle event |
US9147219B2 (en) | 2013-10-18 | 2015-09-29 | State Farm Mutual Automobile Insurance Company | Synchronization of vehicle sensor information |
US11688016B2 (en) | 2013-10-24 | 2023-06-27 | Hartford Fire Insurance Company | Mobile device disabling and verification system and method |
US20150120331A1 (en) * | 2013-10-24 | 2015-04-30 | Hartford Fire Insurance Company | System and method for administering insurance discounts for mobile device disabling technology |
US11030703B2 (en) | 2013-10-24 | 2021-06-08 | Hartford Fire Insurance Company | System and method for mobile device disabling and verification |
US10395318B2 (en) * | 2013-10-24 | 2019-08-27 | Hartford Fire Insurance Company | System and method for administering insurance discounts for mobile device disabling technology |
US11016004B2 (en) * | 2013-11-19 | 2021-05-25 | At&T Intellectual Property I, L.P. | Vehicular simulation |
US20150154711A1 (en) * | 2013-12-04 | 2015-06-04 | State Farm Mutual Automobile Insurance Company | Assigning mobile device data to a vehicle |
US11922511B2 (en) | 2013-12-04 | 2024-03-05 | State Farm Mutual Automobile Insurance Company | Assigning mobile device data to a vehicle |
US11182859B2 (en) * | 2013-12-04 | 2021-11-23 | State Farm Mutual Automobile Insurance Company | Assigning mobile device data to a vehicle |
GB2523227A (en) * | 2013-12-10 | 2015-08-19 | Ford Global Tech Llc | Vehicle operations monitoring |
US9355423B1 (en) | 2014-01-24 | 2016-05-31 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
US10733673B1 (en) | 2014-01-24 | 2020-08-04 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
US10740850B1 (en) | 2014-01-24 | 2020-08-11 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
US11551309B1 (en) | 2014-01-24 | 2023-01-10 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
US10664918B1 (en) * | 2014-01-24 | 2020-05-26 | Allstate Insurance Company | Insurance system related to a vehicle-to-vehicle communication system |
US11295391B1 (en) | 2014-01-24 | 2022-04-05 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
US9390451B1 (en) * | 2014-01-24 | 2016-07-12 | Allstate Insurance Company | Insurance system related to a vehicle-to-vehicle communication system |
US10096067B1 (en) | 2014-01-24 | 2018-10-09 | Allstate Insurance Company | Reward system related to a vehicle-to-vehicle communication system |
US10783586B1 (en) * | 2014-02-19 | 2020-09-22 | Allstate Insurance Company | Determining a property of an insurance policy based on the density of vehicles |
US9940676B1 (en) | 2014-02-19 | 2018-04-10 | Allstate Insurance Company | Insurance system for analysis of autonomous driving |
US10783587B1 (en) * | 2014-02-19 | 2020-09-22 | Allstate Insurance Company | Determining a driver score based on the driver's response to autonomous features of a vehicle |
US10803525B1 (en) | 2014-02-19 | 2020-10-13 | Allstate Insurance Company | Determining a property of an insurance policy based on the autonomous features of a vehicle |
US10796369B1 (en) | 2014-02-19 | 2020-10-06 | Allstate Insurance Company | Determining a property of an insurance policy based on the level of autonomy of a vehicle |
US10956983B1 (en) | 2014-02-19 | 2021-03-23 | Allstate Insurance Company | Insurance system for analysis of autonomous driving |
JP2015162230A (en) * | 2014-02-28 | 2015-09-07 | 矢崎エナジーシステム株式会社 | Service evaluation device |
US9734685B2 (en) * | 2014-03-07 | 2017-08-15 | State Farm Mutual Automobile Insurance Company | Vehicle operator emotion management system and method |
US9934667B1 (en) * | 2014-03-07 | 2018-04-03 | State Farm Mutual Automobile Insurance Company | Vehicle operator emotion management system and method |
US10593182B1 (en) * | 2014-03-07 | 2020-03-17 | State Farm Mutual Automobile Insurance Company | Vehicle operator emotion management system and method |
US10121345B1 (en) * | 2014-03-07 | 2018-11-06 | State Farm Mutual Automobile Insurance Company | Vehicle operator emotion management system and method |
US20150254955A1 (en) * | 2014-03-07 | 2015-09-10 | State Farm Mutual Automobile Insurance Company | Vehicle operator emotion management system and method |
US9440657B1 (en) | 2014-04-17 | 2016-09-13 | State Farm Mutual Automobile Insurance Company | Advanced vehicle operator intelligence system |
US9908530B1 (en) * | 2014-04-17 | 2018-03-06 | State Farm Mutual Automobile Insurance Company | Advanced vehicle operator intelligence system |
US9205842B1 (en) * | 2014-04-17 | 2015-12-08 | State Farm Mutual Automobile Insurance Company | Advanced vehicle operator intelligence system |
US9135803B1 (en) * | 2014-04-17 | 2015-09-15 | State Farm Mutual Automobile Insurance Company | Advanced vehicle operator intelligence system |
US10569650B1 (en) | 2014-05-05 | 2020-02-25 | State Farm Mutual Automobile Insurance Company | System and method to monitor and alert vehicle operator of impairment |
US10118488B1 (en) | 2014-05-05 | 2018-11-06 | State Farm Mutual Automobile Insurance Co. | System and method to monitor and alert vehicle operator of impairment |
US10118487B1 (en) | 2014-05-05 | 2018-11-06 | State Farm Mutual Automobile Insurance Company | System and method to monitor and alert vehicle operator of impairment |
US9283847B2 (en) | 2014-05-05 | 2016-03-15 | State Farm Mutual Automobile Insurance Company | System and method to monitor and alert vehicle operator of impairment |
US11361379B1 (en) | 2014-05-12 | 2022-06-14 | Esurance Insurance Services, Inc. | Transmitting driving data to an insurance platform |
US9285223B1 (en) | 2014-05-15 | 2016-03-15 | State Farm Mutual Automobile Insurance Company | System and method for identifying heading of a moving vehicle using accelerometer data |
US10309785B1 (en) | 2014-05-15 | 2019-06-04 | State Farm Mutual Automobile Insurance Company | System and method for identifying heading of a moving vehicle using accelerometer data |
US9786103B2 (en) * | 2014-05-15 | 2017-10-10 | State Farm Mutual Automobile Insurance Company | System and method for determining driving patterns using telematics data |
US10223845B1 (en) | 2014-05-15 | 2019-03-05 | State Farm Mutual Automobile Insurance Company | System and method for separating ambient gravitational acceleration from a moving three-axis accelerometer data |
US9127946B1 (en) | 2014-05-15 | 2015-09-08 | State Farm Mutual Automobile Insurance Company | System and method for identifying heading of a moving vehicle using accelerometer data |
US9360322B2 (en) | 2014-05-15 | 2016-06-07 | State Farm Mutual Automobile Insurance Company | System and method for separating ambient gravitational acceleration from a moving three-axis accelerometer data |
US9726497B1 (en) | 2014-05-15 | 2017-08-08 | State Farm Mutual Automobile Insurance Company | System and method for identifying heading of a moving vehicle using accelerometer data |
US10032320B1 (en) * | 2014-05-15 | 2018-07-24 | State Farm Mutual Automobile Insurance Company | System and method for determining driving patterns using telematics data |
US10997666B1 (en) | 2014-05-15 | 2021-05-04 | State Farm Mutual Automobile Insurance Company | System and method for identifying idling times of a vehicle using accelerometer data |
US11416946B1 (en) | 2014-05-15 | 2022-08-16 | State Farm Mutual Automobile Insurance Company | System and method for identifying primary and secondary movement using spectral domain analysis |
US10019762B2 (en) | 2014-05-15 | 2018-07-10 | State Farm Mutual Automobile Insurance Company | System and method for identifying idling times of a vehicle using accelerometer data |
US10319159B1 (en) * | 2014-05-15 | 2019-06-11 | State Farm Mutual Automobile Insurance Company | System and method for determining driving patterns using telematics data |
US20150332518A1 (en) * | 2014-05-15 | 2015-11-19 | State Farm Mutual Automobile Insurance Company | System and method for determining driving patterns using telematics data |
US9513128B1 (en) | 2014-05-15 | 2016-12-06 | State Farm Mutual Automobile Insurance Company | System and method for identifying heading of a moving vehicle using accelerometer data |
US10832346B1 (en) | 2014-05-15 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | System and method for identifying primary and secondary movement using spectral domain analysis |
US10304138B2 (en) | 2014-05-15 | 2019-05-28 | State Farm Mutual Automobile Insurance Company | System and method for identifying primary and secondary movement using spectral domain analysis |
US11080794B2 (en) | 2014-05-20 | 2021-08-03 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle technology effectiveness determination for insurance pricing |
US11010840B1 (en) | 2014-05-20 | 2021-05-18 | State Farm Mutual Automobile Insurance Company | Fault determination with autonomous feature use monitoring |
US11669090B2 (en) | 2014-05-20 | 2023-06-06 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US10319039B1 (en) | 2014-05-20 | 2019-06-11 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US11062396B1 (en) | 2014-05-20 | 2021-07-13 | State Farm Mutual Automobile Insurance Company | Determining autonomous vehicle technology performance for insurance pricing and offering |
US10026130B1 (en) * | 2014-05-20 | 2018-07-17 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle collision risk assessment |
US9858621B1 (en) | 2014-05-20 | 2018-01-02 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle technology effectiveness determination for insurance pricing |
US11282143B1 (en) | 2014-05-20 | 2022-03-22 | State Farm Mutual Automobile Insurance Company | Fully autonomous vehicle insurance pricing |
US11386501B1 (en) | 2014-05-20 | 2022-07-12 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US10719885B1 (en) | 2014-05-20 | 2020-07-21 | State Farm Mutual Automobile Insurance Company | Autonomous feature use monitoring and insurance pricing |
US10719886B1 (en) | 2014-05-20 | 2020-07-21 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US11288751B1 (en) | 2014-05-20 | 2022-03-29 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US10354330B1 (en) * | 2014-05-20 | 2019-07-16 | State Farm Mutual Automobile Insurance Company | Autonomous feature use monitoring and insurance pricing |
US10726499B1 (en) | 2014-05-20 | 2020-07-28 | State Farm Mutual Automoible Insurance Company | Accident fault determination for autonomous vehicles |
US11710188B2 (en) | 2014-05-20 | 2023-07-25 | State Farm Mutual Automobile Insurance Company | Autonomous communication feature use and insurance pricing |
US9805423B1 (en) * | 2014-05-20 | 2017-10-31 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US10726498B1 (en) | 2014-05-20 | 2020-07-28 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US10373259B1 (en) | 2014-05-20 | 2019-08-06 | State Farm Mutual Automobile Insurance Company | Fully autonomous vehicle insurance pricing |
US9792656B1 (en) | 2014-05-20 | 2017-10-17 | State Farm Mutual Automobile Insurance Company | Fault determination with autonomous feature use monitoring |
US11127086B2 (en) | 2014-05-20 | 2021-09-21 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US10963969B1 (en) | 2014-05-20 | 2021-03-30 | State Farm Mutual Automobile Insurance Company | Autonomous communication feature use and insurance pricing |
US10223479B1 (en) | 2014-05-20 | 2019-03-05 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature evaluation |
US10599155B1 (en) | 2014-05-20 | 2020-03-24 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US11436685B1 (en) | 2014-05-20 | 2022-09-06 | State Farm Mutual Automobile Insurance Company | Fault determination with autonomous feature use monitoring |
US11580604B1 (en) | 2014-05-20 | 2023-02-14 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US9972054B1 (en) | 2014-05-20 | 2018-05-15 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US9767516B1 (en) * | 2014-05-20 | 2017-09-19 | State Farm Mutual Automobile Insurance Company | Driver feedback alerts based upon monitoring use of autonomous vehicle |
US9754325B1 (en) | 2014-05-20 | 2017-09-05 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US10529027B1 (en) * | 2014-05-20 | 2020-01-07 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US10055794B1 (en) * | 2014-05-20 | 2018-08-21 | State Farm Mutual Automobile Insurance Company | Determining autonomous vehicle technology performance for insurance pricing and offering |
US10185998B1 (en) * | 2014-05-20 | 2019-01-22 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US10510123B1 (en) | 2014-05-20 | 2019-12-17 | State Farm Mutual Automobile Insurance Company | Accident risk model determination using autonomous vehicle operating data |
US10185999B1 (en) | 2014-05-20 | 2019-01-22 | State Farm Mutual Automobile Insurance Company | Autonomous feature use monitoring and telematics |
US10185997B1 (en) | 2014-05-20 | 2019-01-22 | State Farm Mutual Automobile Insurance Company | Accident fault determination for autonomous vehicles |
US10181161B1 (en) * | 2014-05-20 | 2019-01-15 | State Farm Mutual Automobile Insurance Company | Autonomous communication feature use |
US9715711B1 (en) | 2014-05-20 | 2017-07-25 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle insurance pricing and offering based upon accident risk |
US11023629B1 (en) | 2014-05-20 | 2021-06-01 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature evaluation |
US10504306B1 (en) | 2014-05-20 | 2019-12-10 | State Farm Mutual Automobile Insurance Company | Accident response using autonomous vehicle monitoring |
US10089693B1 (en) * | 2014-05-20 | 2018-10-02 | State Farm Mutual Automobile Insurance Company | Fully autonomous vehicle insurance pricing |
US9646428B1 (en) | 2014-05-20 | 2017-05-09 | State Farm Mutual Automobile Insurance Company | Accident response using autonomous vehicle monitoring |
US9852475B1 (en) * | 2014-05-20 | 2017-12-26 | State Farm Mutual Automobile Insurance Company | Accident risk model determination using autonomous vehicle operating data |
US11869092B2 (en) | 2014-05-20 | 2024-01-09 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation feature monitoring and evaluation of effectiveness |
US10748218B2 (en) | 2014-05-20 | 2020-08-18 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle technology effectiveness determination for insurance pricing |
US10424036B2 (en) * | 2014-06-02 | 2019-09-24 | Uber Technologies, Inc. | Maintaining data for use with a transport service during connectivity loss between systems |
US20150348221A1 (en) * | 2014-06-02 | 2015-12-03 | Uber Technologies, Inc. | Maintaining data for use with a transport service during connectivity loss between systems |
US10664917B1 (en) * | 2014-06-20 | 2020-05-26 | Allstate Insurance Company | Personalized insurance systems |
US11468516B2 (en) | 2014-06-20 | 2022-10-11 | Allstate Insurance Company | Personalized insurance systems |
US11030696B1 (en) | 2014-07-21 | 2021-06-08 | State Farm Mutual Automobile Insurance Company | Methods of providing insurance savings based upon telematics and anonymous driver data |
US9786154B1 (en) | 2014-07-21 | 2017-10-10 | State Farm Mutual Automobile Insurance Company | Methods of facilitating emergency assistance |
US10997849B1 (en) | 2014-07-21 | 2021-05-04 | State Farm Mutual Automobile Insurance Company | Methods of facilitating emergency assistance |
US10825326B1 (en) | 2014-07-21 | 2020-11-03 | State Farm Mutual Automobile Insurance Company | Methods of facilitating emergency assistance |
US11634103B2 (en) | 2014-07-21 | 2023-04-25 | State Farm Mutual Automobile Insurance Company | Methods of facilitating emergency assistance |
US11565654B2 (en) | 2014-07-21 | 2023-01-31 | State Farm Mutual Automobile Insurance Company | Methods of providing insurance savings based upon telematics and driving behavior identification |
US11069221B1 (en) | 2014-07-21 | 2021-07-20 | State Farm Mutual Automobile Insurance Company | Methods of facilitating emergency assistance |
US10974693B1 (en) | 2014-07-21 | 2021-04-13 | State Farm Mutual Automobile Insurance Company | Methods of theft prevention or mitigation |
US11068995B1 (en) * | 2014-07-21 | 2021-07-20 | State Farm Mutual Automobile Insurance Company | Methods of reconstructing an accident scene using telematics data |
US10540723B1 (en) * | 2014-07-21 | 2020-01-21 | State Farm Mutual Automobile Insurance Company | Methods of providing insurance savings based upon telematics and usage-based insurance |
US10475127B1 (en) | 2014-07-21 | 2019-11-12 | State Farm Mutual Automobile Insurance Company | Methods of providing insurance savings based upon telematics and insurance incentives |
US11634102B2 (en) | 2014-07-21 | 2023-04-25 | State Farm Mutual Automobile Insurance Company | Methods of facilitating emergency assistance |
US10832327B1 (en) | 2014-07-21 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Methods of providing insurance savings based upon telematics and driving behavior identification |
US10387962B1 (en) | 2014-07-21 | 2019-08-20 | State Farm Mutual Automobile Insurance Company | Methods of reconstructing an accident scene using telematics data |
US10017153B1 (en) * | 2014-07-21 | 2018-07-10 | State Farm Mutual Automobile Insurance Company | Methods of theft prevention or mitigation |
US10102587B1 (en) | 2014-07-21 | 2018-10-16 | State Farm Mutual Automobile Insurance Company | Methods of pre-generating insurance claims |
US9783159B1 (en) | 2014-07-21 | 2017-10-10 | State Farm Mutual Automobile Insurance Company | Methods of theft prevention or mitigation |
US11257163B1 (en) | 2014-07-21 | 2022-02-22 | State Farm Mutual Automobile Insurance Company | Methods of pre-generating insurance claims |
US10351097B1 (en) * | 2014-07-21 | 2019-07-16 | State Farm Mutual Automobile Insurance Company | Methods of theft prevention or mitigation |
US10723312B1 (en) | 2014-07-21 | 2020-07-28 | State Farm Mutual Automobile Insurance Company | Methods of theft prevention or mitigation |
US11343316B2 (en) * | 2014-07-23 | 2022-05-24 | Here Global B.V. | Highly assisted driving platform |
US20220263903A1 (en) * | 2014-07-23 | 2022-08-18 | Here Global B.V. | Highly Assisted Driving Platform |
US10210678B1 (en) * | 2014-10-06 | 2019-02-19 | Allstate Insurance Company | Communication system and method for using human telematic data to provide a hazard alarm/notification message to a user in a dynamic environment such as during operation of a vehicle |
US10643287B1 (en) * | 2014-10-06 | 2020-05-05 | Allstate Insurance Company | System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data |
US10885724B1 (en) * | 2014-10-06 | 2021-01-05 | Allstate Insurance Company | Communication system and method for using human telematic data to provide a hazard alarm/notification message to a user in a dynamic environment such as during operation of a vehicle |
US9984420B1 (en) * | 2014-10-06 | 2018-05-29 | Allstate Insurance Company | System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data |
US9984418B1 (en) * | 2014-10-06 | 2018-05-29 | Allstate Insurance Company | System and method for determining an insurance premium quote based on human telematic data and structure related telematic data |
US10127737B1 (en) * | 2014-10-06 | 2018-11-13 | Allstate Insurance Company | Communication system and method for using human telematic data to provide a hazard alarm/notification message to a user in a dynamic environment such as during operation of a vehicle |
US10424024B1 (en) * | 2014-10-06 | 2019-09-24 | Allstate Insurance Company | System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data |
US9984419B1 (en) * | 2014-10-06 | 2018-05-29 | Allstate Insurance Company | System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data |
US10241509B1 (en) | 2014-11-13 | 2019-03-26 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US11173918B1 (en) | 2014-11-13 | 2021-11-16 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US11393041B1 (en) | 2014-11-13 | 2022-07-19 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle insurance based upon usage |
US11954482B2 (en) | 2014-11-13 | 2024-04-09 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US9946531B1 (en) | 2014-11-13 | 2018-04-17 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle software version assessment |
US9944282B1 (en) | 2014-11-13 | 2018-04-17 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle automatic parking |
US11014567B1 (en) * | 2014-11-13 | 2021-05-25 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operator identification |
US10157423B1 (en) | 2014-11-13 | 2018-12-18 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operating style and mode monitoring |
US10166994B1 (en) | 2014-11-13 | 2019-01-01 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operating status assessment |
US11748085B2 (en) | 2014-11-13 | 2023-09-05 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operator identification |
US11740885B1 (en) | 2014-11-13 | 2023-08-29 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle software version assessment |
US11726763B2 (en) | 2014-11-13 | 2023-08-15 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle automatic parking |
US10940866B1 (en) | 2014-11-13 | 2021-03-09 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operating status assessment |
US10943303B1 (en) | 2014-11-13 | 2021-03-09 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operating style and mode monitoring |
US11494175B2 (en) | 2014-11-13 | 2022-11-08 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operating status assessment |
US10915965B1 (en) | 2014-11-13 | 2021-02-09 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle insurance based upon usage |
US11500377B1 (en) | 2014-11-13 | 2022-11-15 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US11532187B1 (en) | 2014-11-13 | 2022-12-20 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operating status assessment |
US11720968B1 (en) | 2014-11-13 | 2023-08-08 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle insurance based upon usage |
US11127290B1 (en) | 2014-11-13 | 2021-09-21 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle infrastructure communication device |
US10246097B1 (en) * | 2014-11-13 | 2019-04-02 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operator identification |
US10266180B1 (en) | 2014-11-13 | 2019-04-23 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US11175660B1 (en) | 2014-11-13 | 2021-11-16 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US10431018B1 (en) | 2014-11-13 | 2019-10-01 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operating status assessment |
US10416670B1 (en) | 2014-11-13 | 2019-09-17 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US10007263B1 (en) | 2014-11-13 | 2018-06-26 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle accident and emergency response |
US11645064B2 (en) | 2014-11-13 | 2023-05-09 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle accident and emergency response |
US10831204B1 (en) | 2014-11-13 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle automatic parking |
US10353694B1 (en) | 2014-11-13 | 2019-07-16 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle software version assessment |
US11247670B1 (en) | 2014-11-13 | 2022-02-15 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US10336321B1 (en) | 2014-11-13 | 2019-07-02 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
US10824415B1 (en) | 2014-11-13 | 2020-11-03 | State Farm Automobile Insurance Company | Autonomous vehicle software version assessment |
US10821971B1 (en) | 2014-11-13 | 2020-11-03 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle automatic parking |
US10824144B1 (en) | 2014-11-13 | 2020-11-03 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control assessment and selection |
CN104477163A (en) * | 2014-11-25 | 2015-04-01 | 浙江吉利汽车研究院有限公司 | Control method and control system for preventing mistaken operation of fresh driver |
US20160171617A1 (en) * | 2014-12-15 | 2016-06-16 | International Business Machines Corporation | Generating real-time insurance alerts from a mobile device |
US10719880B2 (en) | 2015-01-28 | 2020-07-21 | Arity International Limited | Risk unit based policies |
US11645721B1 (en) | 2015-01-28 | 2023-05-09 | Arity International Limited | Usage-based policies |
US10846799B2 (en) | 2015-01-28 | 2020-11-24 | Arity International Limited | Interactive dashboard display |
US20200357076A1 (en) * | 2015-01-28 | 2020-11-12 | Arity International Limited | Risk Unit Based Policies |
US9390452B1 (en) * | 2015-01-28 | 2016-07-12 | Allstate Insurance Company | Risk unit based policies |
US9569798B2 (en) * | 2015-01-28 | 2017-02-14 | Allstate Insurance Company | Risk unit based policies |
US9569799B2 (en) * | 2015-01-28 | 2017-02-14 | Allstate Insurance Company | Risk unit based policies |
US11651438B2 (en) * | 2015-01-28 | 2023-05-16 | Arity International Limited | Risk unit based policies |
US10861100B2 (en) | 2015-01-28 | 2020-12-08 | Arity International Limited | Risk unit based policies |
US20160275624A1 (en) * | 2015-01-28 | 2016-09-22 | Allstate Insurance Company | Risk Unit Based Policies |
US10586288B2 (en) * | 2015-01-28 | 2020-03-10 | Arity International Limited | Risk unit based policies |
US11948199B2 (en) | 2015-01-28 | 2024-04-02 | Arity International Limited | Interactive dashboard display |
US9361599B1 (en) | 2015-01-28 | 2016-06-07 | Allstate Insurance Company | Risk unit based policies |
US10776877B2 (en) * | 2015-01-28 | 2020-09-15 | Arity International Limited | Risk unit based policies |
US20160275625A1 (en) * | 2015-01-28 | 2016-09-22 | Allstate Insurance Company | Risk Unit Based Policies |
US10475128B2 (en) * | 2015-01-28 | 2019-11-12 | Arity International Limited | Risk unit based policies |
US10817950B1 (en) | 2015-01-28 | 2020-10-27 | Arity International Limited | Usage-based policies |
US20200410789A1 (en) * | 2015-03-06 | 2020-12-31 | Sony Corporation | Recording device, recording method, and computer program |
US11823507B2 (en) * | 2015-03-06 | 2023-11-21 | Sony Corporation | Recording device, recording method, and computer program |
US11868915B2 (en) | 2015-03-11 | 2024-01-09 | State Farm Mutual Automobile Insurance Company | Route scoring for assessing or predicting driving performance |
US11593688B1 (en) | 2015-03-11 | 2023-02-28 | State Farm Mutual Automobile Insurance Company | Route scoring for assessing or predicting driving performance |
US10810504B1 (en) | 2015-03-11 | 2020-10-20 | State Farm Mutual Automobile Insurance Company | Route scoring for assessing or predicting driving performance |
US10621672B1 (en) * | 2015-03-18 | 2020-04-14 | State Farm Mutual Automobile Insurance Company | Broadcasting vehicle and insurance information to mobile devices in the vicinity of a vehicle |
US10915966B1 (en) * | 2015-03-18 | 2021-02-09 | State Farm Mutual Automobile Insurance Company | Broadcasting vehicle and insurance information to mobile devices in the vicinity of a vehicle |
US10621673B1 (en) * | 2015-03-18 | 2020-04-14 | State Farm Mutual Automobile Insurance Company | Broadcasting vehicle and insurance information to mobile devices in the vicinity of a vehicle |
US10909634B1 (en) * | 2015-03-18 | 2021-02-02 | State Farm Mutual Automobile Insurance Company | Broadcasting vehicle and insurance information to mobile devices in the vicinity of a vehicle |
US10915967B1 (en) * | 2015-03-18 | 2021-02-09 | State Farm Mutual Automobile Insurance Company | Broadcasting vehicle and insurance information to mobile devices in the vicinity of a vehicle |
US10621671B1 (en) * | 2015-03-18 | 2020-04-14 | State Farm Mutual Automobile Insurance Company | Broadcasting vehicle and insurance information to mobile devices in the vicinity of a vehicle |
US10876859B2 (en) | 2015-04-09 | 2020-12-29 | Appy Risk Technologies Limited | Opportunistic calibration of a smartphone orientation in a vehicle |
US10072932B2 (en) | 2015-05-07 | 2018-09-11 | Truemotion, Inc. | Motion detection system for transportation mode analysis |
US11209275B2 (en) | 2015-05-07 | 2021-12-28 | Cambridge Mobile Telematics Inc. | Motion detection method for transportation mode analysis |
US10205819B2 (en) | 2015-07-14 | 2019-02-12 | Driving Management Systems, Inc. | Detecting the location of a phone using RF wireless and ultrasonic signals |
US10547736B2 (en) | 2015-07-14 | 2020-01-28 | Driving Management Systems, Inc. | Detecting the location of a phone using RF wireless and ultrasonic signals |
US10242513B1 (en) | 2015-08-28 | 2019-03-26 | State Farm Mutual Automobile Insurance Company | Shared vehicle usage, monitoring and feedback |
US11107365B1 (en) | 2015-08-28 | 2021-08-31 | State Farm Mutual Automobile Insurance Company | Vehicular driver evaluation |
US10019901B1 (en) | 2015-08-28 | 2018-07-10 | State Farm Mutual Automobile Insurance Company | Vehicular traffic alerts for avoidance of abnormal traffic conditions |
US10977945B1 (en) | 2015-08-28 | 2021-04-13 | State Farm Mutual Automobile Insurance Company | Vehicular driver warnings |
US10026237B1 (en) | 2015-08-28 | 2018-07-17 | State Farm Mutual Automobile Insurance Company | Shared vehicle usage, monitoring and feedback |
US9868394B1 (en) | 2015-08-28 | 2018-01-16 | State Farm Mutual Automobile Insurance Company | Vehicular warnings based upon pedestrian or cyclist presence |
US10769954B1 (en) | 2015-08-28 | 2020-09-08 | State Farm Mutual Automobile Insurance Company | Vehicular driver warnings |
US10343605B1 (en) | 2015-08-28 | 2019-07-09 | State Farm Mutual Automotive Insurance Company | Vehicular warning based upon pedestrian or cyclist presence |
US10163350B1 (en) | 2015-08-28 | 2018-12-25 | State Farm Mutual Automobile Insurance Company | Vehicular driver warnings |
US9805601B1 (en) | 2015-08-28 | 2017-10-31 | State Farm Mutual Automobile Insurance Company | Vehicular traffic alerts for avoidance of abnormal traffic conditions |
US10950065B1 (en) | 2015-08-28 | 2021-03-16 | State Farm Mutual Automobile Insurance Company | Shared vehicle usage, monitoring and feedback |
US9870649B1 (en) | 2015-08-28 | 2018-01-16 | State Farm Mutual Automobile Insurance Company | Shared vehicle usage, monitoring and feedback |
US10325491B1 (en) | 2015-08-28 | 2019-06-18 | State Farm Mutual Automobile Insurance Company | Vehicular traffic alerts for avoidance of abnormal traffic conditions |
US10748419B1 (en) | 2015-08-28 | 2020-08-18 | State Farm Mutual Automobile Insurance Company | Vehicular traffic alerts for avoidance of abnormal traffic conditions |
US10106083B1 (en) | 2015-08-28 | 2018-10-23 | State Farm Mutual Automobile Insurance Company | Vehicular warnings based upon pedestrian or cyclist presence |
US11450206B1 (en) | 2015-08-28 | 2022-09-20 | State Farm Mutual Automobile Insurance Company | Vehicular traffic alerts for avoidance of abnormal traffic conditions |
US10667088B2 (en) | 2015-09-17 | 2020-05-26 | Truemotion, Inc. | Systems and methods for detecting and assessing distracted drivers |
US10455361B2 (en) | 2015-09-17 | 2019-10-22 | Truemotion, Inc. | Systems and methods for detecting and assessing distracted drivers |
US10158977B2 (en) * | 2015-09-17 | 2018-12-18 | Truemotion, Inc. | Systems and methods for detecting and assessing distracted drivers |
US20170105098A1 (en) * | 2015-09-17 | 2017-04-13 | Truemotion, Inc. | Systems and methods for detecting and assessing distracted drivers |
US11307042B2 (en) | 2015-09-24 | 2022-04-19 | Allstate Insurance Company | Three-dimensional risk maps |
US11315190B1 (en) | 2015-10-26 | 2022-04-26 | Allstate Insurance Company | Vehicle-to-vehicle incident information collection |
US10176524B1 (en) * | 2015-10-26 | 2019-01-08 | Allstate Insurance Company | Vehicle-to-vehicle incident information collection |
US10828999B1 (en) | 2016-01-22 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Autonomous electric vehicle charging |
US10249109B1 (en) | 2016-01-22 | 2019-04-02 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle sensor malfunction detection |
US10042359B1 (en) | 2016-01-22 | 2018-08-07 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle refueling |
US11920938B2 (en) | 2016-01-22 | 2024-03-05 | Hyundai Motor Company | Autonomous electric vehicle charging |
US11062414B1 (en) | 2016-01-22 | 2021-07-13 | State Farm Mutual Automobile Insurance Company | System and method for autonomous vehicle ride sharing using facial recognition |
US11022978B1 (en) | 2016-01-22 | 2021-06-01 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle routing during emergencies |
US10065517B1 (en) | 2016-01-22 | 2018-09-04 | State Farm Mutual Automobile Insurance Company | Autonomous electric vehicle charging |
US10086782B1 (en) | 2016-01-22 | 2018-10-02 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle damage and salvage assessment |
US11879742B2 (en) | 2016-01-22 | 2024-01-23 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle application |
US11015942B1 (en) | 2016-01-22 | 2021-05-25 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle routing |
US9940834B1 (en) | 2016-01-22 | 2018-04-10 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle application |
US10134278B1 (en) | 2016-01-22 | 2018-11-20 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle application |
US11016504B1 (en) | 2016-01-22 | 2021-05-25 | State Farm Mutual Automobile Insurance Company | Method and system for repairing a malfunctioning autonomous vehicle |
US10156848B1 (en) | 2016-01-22 | 2018-12-18 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle routing during emergencies |
US10168703B1 (en) | 2016-01-22 | 2019-01-01 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle component malfunction impact assessment |
US10185327B1 (en) | 2016-01-22 | 2019-01-22 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle path coordination |
US11119477B1 (en) | 2016-01-22 | 2021-09-14 | State Farm Mutual Automobile Insurance Company | Anomalous condition detection and response for autonomous vehicles |
US11124186B1 (en) | 2016-01-22 | 2021-09-21 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle control signal |
US11719545B2 (en) | 2016-01-22 | 2023-08-08 | Hyundai Motor Company | Autonomous vehicle component damage and salvage assessment |
US11691565B2 (en) * | 2016-01-22 | 2023-07-04 | Cambridge Mobile Telematics Inc. | Systems and methods for sensor-based detection, alerting and modification of driving behaviors |
US11126184B1 (en) | 2016-01-22 | 2021-09-21 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle parking |
US11682244B1 (en) | 2016-01-22 | 2023-06-20 | State Farm Mutual Automobile Insurance Company | Smart home sensor malfunction detection |
US11656978B1 (en) | 2016-01-22 | 2023-05-23 | State Farm Mutual Automobile Insurance Company | Virtual testing of autonomous environment control system |
US10295363B1 (en) | 2016-01-22 | 2019-05-21 | State Farm Mutual Automobile Insurance Company | Autonomous operation suitability assessment and mapping |
US10308246B1 (en) | 2016-01-22 | 2019-06-04 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle signal control |
US10324463B1 (en) | 2016-01-22 | 2019-06-18 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle operation adjustment based upon route |
US11625802B1 (en) | 2016-01-22 | 2023-04-11 | State Farm Mutual Automobile Insurance Company | Coordinated autonomous vehicle automatic area scanning |
US11181930B1 (en) | 2016-01-22 | 2021-11-23 | State Farm Mutual Automobile Insurance Company | Method and system for enhancing the functionality of a vehicle |
US10386192B1 (en) | 2016-01-22 | 2019-08-20 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle routing |
US11189112B1 (en) | 2016-01-22 | 2021-11-30 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle sensor malfunction detection |
US10829063B1 (en) | 2016-01-22 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle damage and salvage assessment |
US11242051B1 (en) | 2016-01-22 | 2022-02-08 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle action communications |
US11600177B1 (en) | 2016-01-22 | 2023-03-07 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle application |
US10386845B1 (en) | 2016-01-22 | 2019-08-20 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle parking |
US10384678B1 (en) | 2016-01-22 | 2019-08-20 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle action communications |
US10395332B1 (en) | 2016-01-22 | 2019-08-27 | State Farm Mutual Automobile Insurance Company | Coordinated autonomous vehicle automatic area scanning |
US10824145B1 (en) | 2016-01-22 | 2020-11-03 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle component maintenance and repair |
US20170210290A1 (en) * | 2016-01-22 | 2017-07-27 | Truemotion, Inc. | Systems and methods for sensor-based detection, alerting and modification of driving behaviors |
US10469282B1 (en) | 2016-01-22 | 2019-11-05 | State Farm Mutual Automobile Insurance Company | Detecting and responding to autonomous environment incidents |
US10818105B1 (en) | 2016-01-22 | 2020-10-27 | State Farm Mutual Automobile Insurance Company | Sensor malfunction detection |
US10482226B1 (en) | 2016-01-22 | 2019-11-19 | State Farm Mutual Automobile Insurance Company | System and method for autonomous vehicle sharing using facial recognition |
US10802477B1 (en) | 2016-01-22 | 2020-10-13 | State Farm Mutual Automobile Insurance Company | Virtual testing of autonomous environment control system |
US10493936B1 (en) | 2016-01-22 | 2019-12-03 | State Farm Mutual Automobile Insurance Company | Detecting and responding to autonomous vehicle collisions |
US11526167B1 (en) | 2016-01-22 | 2022-12-13 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle component maintenance and repair |
US11513521B1 (en) | 2016-01-22 | 2022-11-29 | State Farm Mutual Automobile Insurance Copmany | Autonomous vehicle refueling |
US10503168B1 (en) | 2016-01-22 | 2019-12-10 | State Farm Mutual Automotive Insurance Company | Autonomous vehicle retrieval |
US10747234B1 (en) | 2016-01-22 | 2020-08-18 | State Farm Mutual Automobile Insurance Company | Method and system for enhancing the functionality of a vehicle |
US11348193B1 (en) | 2016-01-22 | 2022-05-31 | State Farm Mutual Automobile Insurance Company | Component damage and salvage assessment |
US10545024B1 (en) | 2016-01-22 | 2020-01-28 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle trip routing |
US11441916B1 (en) | 2016-01-22 | 2022-09-13 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle trip routing |
US10579070B1 (en) | 2016-01-22 | 2020-03-03 | State Farm Mutual Automobile Insurance Company | Method and system for repairing a malfunctioning autonomous vehicle |
US10679497B1 (en) | 2016-01-22 | 2020-06-09 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle application |
US10691126B1 (en) | 2016-01-22 | 2020-06-23 | State Farm Mutual Automobile Insurance Company | Autonomous vehicle refueling |
US11363411B2 (en) * | 2016-01-26 | 2022-06-14 | Cambridge Mobile Telematics Inc. | Methods for combining sensor data to determine vehicle movement information |
US10349219B2 (en) * | 2016-01-26 | 2019-07-09 | Truemotion, Inc. | Methods and systems for combining sensor data to determine vehicle movement information |
US10269075B2 (en) | 2016-02-02 | 2019-04-23 | Allstate Insurance Company | Subjective route risk mapping and mitigation |
US10885592B2 (en) | 2016-02-02 | 2021-01-05 | Allstate Insurance Company | Subjective route risk mapping and mitigation |
US10699347B1 (en) | 2016-02-24 | 2020-06-30 | Allstate Insurance Company | Polynomial risk maps |
US11068998B1 (en) | 2016-02-24 | 2021-07-20 | Allstate Insurance Company | Polynomial risk maps |
US11763391B1 (en) | 2016-02-24 | 2023-09-19 | Allstate Insurance Company | Polynomial risk maps |
CN105629795A (en) * | 2016-03-16 | 2016-06-01 | 张明民 | Modularized vehicle-mounted intelligent system based on mobile intelligent device expansion |
US20190078905A1 (en) * | 2016-05-02 | 2019-03-14 | Google Llc | Systems and methods for using real-time imagery in navigation |
US10740859B2 (en) * | 2016-05-09 | 2020-08-11 | Mastercard International Incorporated | Method and system for on-board detection of speeding of a vehicle and payment of an associated fine |
US10333775B2 (en) | 2016-06-03 | 2019-06-25 | Uptake Technologies, Inc. | Facilitating the provisioning of a local analytics device |
US10679297B1 (en) * | 2016-06-06 | 2020-06-09 | United Services Automobile Association (Usaa) | Systems and methods for determining a fixed rate based on behavior |
US20170349182A1 (en) * | 2016-06-06 | 2017-12-07 | Truemotion, Inc. | Systems and methods for scoring driving trips |
US11072339B2 (en) * | 2016-06-06 | 2021-07-27 | Truemotion, Inc. | Systems and methods for scoring driving trips |
US11954737B1 (en) | 2016-06-06 | 2024-04-09 | United Services Automobile Association (Usaa) | Systems and methods for determining a fixed premium rate based on behavior |
US10909476B1 (en) | 2016-06-13 | 2021-02-02 | State Farm Mutual Automobile Insurance Company | Systems and methods for managing instances in which individuals are unfit to operate vehicles |
US10227003B1 (en) | 2016-06-13 | 2019-03-12 | State Farm Mutual Automobile Insurance Company | Systems and methods for notifying individuals who are unfit to operate vehicles |
US10828985B1 (en) | 2016-06-13 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Systems and methods for notifying individuals who are unfit to operate vehicles |
US10036645B2 (en) | 2016-06-15 | 2018-07-31 | Here Global B.V. | Vehicle usage-based pricing alerts |
US11067404B2 (en) | 2016-06-15 | 2021-07-20 | Here Global B.V. | Vehicle usage-based pricing alerts |
US11379925B1 (en) * | 2016-07-11 | 2022-07-05 | State Farm Mutual Automobile Insurance Company | Systems and methods for allocating fault to autonomous vehicles |
US10832331B1 (en) * | 2016-07-11 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Systems and methods for allocating fault to autonomous vehicles |
CN109791678A (en) * | 2016-07-25 | 2019-05-21 | 瑞士再保险有限公司 | It is measured for the dynamic risk based on score and polymerize the intelligent adaptive automotive fittings and its correlation method that have telematics connection search engine |
US11562435B2 (en) * | 2016-07-25 | 2023-01-24 | Swiss Reinsurance Company Ltd. | Apparatus for a dynamic, score-based, telematics connection search engine and aggregator and corresponding method thereof |
US11816737B1 (en) | 2016-08-08 | 2023-11-14 | Allstate Insurance Company | Driver identity detection and alerts |
US11042938B1 (en) * | 2016-08-08 | 2021-06-22 | Allstate Insurance Company | Driver identity detection and alerts |
US20180096433A1 (en) * | 2016-10-03 | 2018-04-05 | At&T Intellectual Property I, L.P. | Calculation of Differential for Insurance Rates |
US10863019B2 (en) | 2016-10-04 | 2020-12-08 | Allstate Solutions Private Limited | Mobile device communication access and hands-free device activation |
US10264111B2 (en) | 2016-10-04 | 2019-04-16 | Allstate Solutions Private Limited | Mobile device communication access and hands-free device activation |
US10257345B2 (en) | 2016-10-04 | 2019-04-09 | Allstate Solutions Private Limited | Mobile device communication access and hands-free device activation |
US9979813B2 (en) | 2016-10-04 | 2018-05-22 | Allstate Solutions Private Limited | Mobile device communication access and hands-free device activation |
US11394820B2 (en) | 2016-10-04 | 2022-07-19 | Allstate Solutions Private Limited | Mobile device communication access and hands-free device activation |
US11669756B2 (en) | 2016-10-17 | 2023-06-06 | Allstate Solutions Private Limited | Partitioning sensor based data to generate driving pattern map |
US11295218B2 (en) | 2016-10-17 | 2022-04-05 | Allstate Solutions Private Limited | Partitioning sensor based data to generate driving pattern map |
US11593889B2 (en) | 2016-11-23 | 2023-02-28 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger pertaining to autonomous vehicles |
US20230129685A1 (en) * | 2016-11-23 | 2023-04-27 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger of transactions pertaining to an autonomous vehicle |
US11900465B1 (en) | 2016-11-23 | 2024-02-13 | State Farm Mutual Automobile Insurance Company | Systems and methods for building and utilizing an autonomous vehicle-related event blockchain |
US20230377049A1 (en) * | 2016-11-23 | 2023-11-23 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger of transactions pertaining to an autonomous vehicle |
US10713727B1 (en) | 2016-11-23 | 2020-07-14 | State Farm Mutual Automobile Insurance Company | Systems and methods for building and utilizing an autonomous vehicle-related event blockchain |
US10832337B1 (en) | 2016-11-23 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger pertaining to smart contracts |
US11823283B2 (en) | 2016-11-23 | 2023-11-21 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger pertaining to autonomous vehicles |
US11861730B2 (en) * | 2016-11-23 | 2024-01-02 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger of transactions pertaining to an autonomous vehicle |
US10832338B1 (en) | 2016-11-23 | 2020-11-10 | State Farm Mutual Automobile Insurance Company | Systems and methods for building, utilizing and/or maintaining an autonomous vehicle-related event distributed ledger or blockchain |
US10796371B1 (en) * | 2016-11-23 | 2020-10-06 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger of transactions pertaining to an autonomous vehicle |
US11587182B1 (en) * | 2016-11-23 | 2023-02-21 | State Farm Mutual Automobile Insurance Company | Systems and methods for maintaining a distributed ledger of transactions pertaining to an autonomous vehicle |
US11878720B2 (en) | 2016-12-09 | 2024-01-23 | Zendrive, Inc. | Method and system for risk modeling in autonomous vehicles |
US11897483B2 (en) | 2017-01-19 | 2024-02-13 | State Farm Mutual Automobile Insurance Company | Apparatuses, systems and methods for determining distracted drivers associated with vehicle driving routes |
US10407079B1 (en) * | 2017-01-19 | 2019-09-10 | State Farm Mutual Automobile Insurance Company | Apparatuses, systems and methods for determining distracted drivers associated with vehicle driving routes |
US11155269B1 (en) * | 2017-01-19 | 2021-10-26 | State Farm Mutual Automobile Insurance Company | Apparatuses, systems and methods for determining distracted drivers associated with vehicle driving routes |
US11521271B2 (en) * | 2017-02-06 | 2022-12-06 | Allstate Insurance Company | Autonomous vehicle control systems with collision detection and response capabilities |
US20180336638A1 (en) * | 2017-05-22 | 2018-11-22 | Insurance Zebra Inc. | Classifying rate factors in consumer profiles based on effects of the factors in high-dimensional models |
US10826833B1 (en) | 2017-06-06 | 2020-11-03 | Nocell Technologies, LLC | System, method and apparatus for secondary network device detection |
US10743241B1 (en) | 2017-06-06 | 2020-08-11 | Nocell Technologies, LLC | System, method and apparatus for facilitating the restriction of the use of one or more network devices through automated policy enforcement |
US20180352372A1 (en) * | 2017-06-06 | 2018-12-06 | L'Ami Carl, LLC | System, method and apparatus for generating a zone restricting use of a mobile device |
US11026163B1 (en) | 2017-06-06 | 2021-06-01 | Nocell Technologies, LLC | System, method and apparatus to maintain policy enforcement on a network device |
US11330508B1 (en) | 2017-06-06 | 2022-05-10 | Nocell Technologies, LLC | System, method and apparatus for obtaining sensory data |
US11038801B2 (en) | 2017-06-06 | 2021-06-15 | Nocell Technologies, LLC | System, method and apparatus for restricting use of a network device through automated policy enforcement |
US11613262B2 (en) | 2017-07-14 | 2023-03-28 | Ccc Intelligent Solutions Inc. | Driver assist design analysis system |
US11267481B2 (en) * | 2017-07-14 | 2022-03-08 | Ccc Intelligent Solutions Inc. | Driver assist design analysis system |
US20220266839A1 (en) * | 2017-07-14 | 2022-08-25 | Ccc Intelligent Solutions Inc. | Driver Assist Design Analysis System |
US11783422B1 (en) | 2017-09-27 | 2023-10-10 | State Farm Mutual Automobile Insurance Company | Implementing machine learning for life and health insurance claims handling |
US10943464B1 (en) | 2017-09-27 | 2021-03-09 | State Farm Mutual Automobile Insurance Company | Real property monitoring systems and methods for detecting damage and other conditions |
US10497250B1 (en) | 2017-09-27 | 2019-12-03 | State Farm Mutual Automobile Insurance Company | Real property monitoring systems and methods for detecting damage and other conditions |
US11373249B1 (en) | 2017-09-27 | 2022-06-28 | State Farm Mutual Automobile Insurance Company | Automobile monitoring systems and methods for detecting damage and other conditions |
US20210312567A1 (en) * | 2017-09-27 | 2021-10-07 | State Farm Mutual Automobile Insurance Company | Automobile Monitoring Systems and Methods for Loss Reserving and Financial Reporting |
US10825103B1 (en) | 2017-10-11 | 2020-11-03 | State Farm Mutual Automobile Insurance Company | Detecting transportation company trips in a vehicle based upon on-board audio signals |
US11037248B1 (en) | 2017-10-11 | 2021-06-15 | State Farm Mutual Automobile Insurance Company | Cost sharing based upon in-car audio |
US11074655B1 (en) * | 2017-10-11 | 2021-07-27 | State Farm Mutual Automobile Insurance Company | Cost sharing based upon in-car audio |
US11107164B1 (en) | 2017-10-11 | 2021-08-31 | State Farm Mutual Automobile Insurance Company | Recommendations to an operator of vehicle based upon vehicle usage detected by in-car audio signals |
US11443388B2 (en) | 2017-10-11 | 2022-09-13 | State Farm Mutual Automobile Insurance Company | Detecting transportation company trips in a vehicle based upon on-board audio signals |
US11380193B2 (en) * | 2017-10-20 | 2022-07-05 | Zendrive, Inc. | Method and system for vehicular-related communications |
US11871313B2 (en) | 2017-11-27 | 2024-01-09 | Zendrive, Inc. | System and method for vehicle sensing and analysis |
US11593687B2 (en) * | 2018-01-23 | 2023-02-28 | Hitachi, Ltd. | Vehicle operation analysis of a driver |
US20190228328A1 (en) * | 2018-01-23 | 2019-07-25 | Hitachi, Ltd. | Vehicle operation analysis of a driver |
WO2019213642A3 (en) * | 2018-05-04 | 2019-12-19 | Hyla, Inc. | Systems and methods for generating contextually relevant device protections |
US11790455B2 (en) | 2018-05-04 | 2023-10-17 | Assurant, Inc. | Systems and methods for generating contextually relevant device protections |
US11790453B2 (en) | 2018-05-04 | 2023-10-17 | Assurant, Inc. | Systems and methods for generating contextually relevant device protections |
US10780856B2 (en) | 2018-05-22 | 2020-09-22 | Bank Of America Corporation | Real-time vehicle environment recognition and collision identification system |
US10493938B1 (en) | 2018-05-22 | 2019-12-03 | Bank Of America Corporation | Real-time vehicle environment recognition and collision identification system |
CN110555778A (en) * | 2018-05-31 | 2019-12-10 | 现代自动车株式会社 | Remote communication device and method for handling vehicle insurance and estimating insurance premiums |
US11263837B2 (en) * | 2018-09-21 | 2022-03-01 | Servicenow Canada Inc. | Automatic real-time detection of vehicular incidents |
US11288750B1 (en) * | 2018-10-31 | 2022-03-29 | United Services Automobile Association (Usaa) | Method and system for automatically detecting vehicle collisions for insurance claims |
US11676216B1 (en) * | 2018-10-31 | 2023-06-13 | United Services Automobile Association (Usaa) | Method and system for automatically detecting vehicle collisions for insurance claims |
US11544791B1 (en) | 2019-08-28 | 2023-01-03 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating mobility insurance products using ride-sharing telematics data |
US11599947B1 (en) | 2019-08-28 | 2023-03-07 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating mobility insurance products using ride-sharing telematics data |
US11954736B1 (en) | 2019-08-28 | 2024-04-09 | State Farm Mutual Automobile Insurance Company | Systems and methods for generating mobility insurance products using ride-sharing telematics data |
US11453467B2 (en) * | 2019-11-05 | 2022-09-27 | Yamaha Hatsudoki Kabushiki Kaisha | Control system for posture control tabs of marine vessel, marine vessel, and method for controlling posture control tabs, capable of avoiding contact of posture control tabs with foreign object |
US11775010B2 (en) | 2019-12-02 | 2023-10-03 | Zendrive, Inc. | System and method for assessing device usage |
US20210350336A1 (en) * | 2020-05-07 | 2021-11-11 | Blackberry Limited | Authorization of vehicle repairs |
US11783302B2 (en) * | 2020-05-07 | 2023-10-10 | Blackberry Limited | Authorization of vehicle repairs |
US20220118941A1 (en) * | 2020-10-20 | 2022-04-21 | Ford Global Technologies, Llc | Systems And Methods For Vehicle Movement Parental Control With Child Detection |
US20240087037A1 (en) * | 2021-04-29 | 2024-03-14 | BlueOwI, LLC. | Systems and methods for predicting trip data |
Also Published As
Publication number | Publication date |
---|---|
US20150324928A1 (en) | 2015-11-12 |
US20100131307A1 (en) | 2010-05-27 |
US9996884B2 (en) | 2018-06-12 |
US8484113B2 (en) | 2013-07-09 |
US20100131300A1 (en) | 2010-05-27 |
US20100131305A1 (en) | 2010-05-27 |
US20150339780A1 (en) | 2015-11-26 |
US20140100892A1 (en) | 2014-04-10 |
US8620692B2 (en) | 2013-12-31 |
US20100131301A1 (en) | 2010-05-27 |
US20100131302A1 (en) | 2010-05-27 |
US20150324927A1 (en) | 2015-11-12 |
US20130297418A1 (en) | 2013-11-07 |
WO2010062899A1 (en) | 2010-06-03 |
US20180260908A1 (en) | 2018-09-13 |
US20100131308A1 (en) | 2010-05-27 |
US20120259666A1 (en) | 2012-10-11 |
US8255275B2 (en) | 2012-08-28 |
US20100131303A1 (en) | 2010-05-27 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US20100131304A1 (en) | Real time insurance generation | |
US11782692B2 (en) | Transport component acceptance | |
CN112446761A (en) | System and method for co-multiplication using block chains | |
CN114281776A (en) | Secure transportation data sharing | |
US20230095845A1 (en) | Transport modifications for impaired occupants | |
US20220138667A1 (en) | Managing transport data expiration | |
JP2022040073A (en) | Wireless energy transfer to transport based on route data | |
CN114103673A (en) | Power distribution for a vehicle | |
US20220388530A1 (en) | Transport limitations from malfunctioning sensors | |
US20220375284A1 (en) | Display modification based on the importance of the data | |
US11610448B2 (en) | Dynamically adapting driving mode security controls | |
JP2022040076A (en) | Dynamic energy control in transport means | |
JP2022034554A (en) | Transportation means power allocation specific to situation | |
US20230382223A1 (en) | Recommended vehicle-related functionality | |
US20230057165A1 (en) | Linking personal environment and transport operation | |
JP7451821B2 (en) | Dynamically adapting driving mode security control | |
US20230051547A1 (en) | Minimizing airborne objects in a collision | |
US20230047680A1 (en) | Connected vehicle services privacy and protection | |
US20230342874A1 (en) | Prioritizing access to shared vehicles based on need | |
US11887460B2 (en) | Transport-related contact notification | |
US20220227228A1 (en) | Transport display representation for external device | |
US11618349B1 (en) | Transport-related occupant adjustments | |
US11794764B2 (en) | Approximating a time of an issue | |
US20240019262A1 (en) | Vehicle data services configurable deployment | |
US20230382329A1 (en) | Vehicle-based health monitoring |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AS | Assignment |
Owner name: RCK-IP LLC, MARYLAND Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:KROSKY, RONALD C.;REEL/FRAME:028686/0732 Effective date: 20120729 |
|
AS | Assignment |
Owner name: GREAT LAKES INCUBATOR, LLC, OHIO Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:COLLOPY, FRED;NARD, CRAIG ALLEN;REEL/FRAME:029707/0234 Effective date: 20130118 Owner name: GREAT LAKES INCUBATOR, LLC, OHIO Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:TW VI HOLDINGS, LLC;REEL/FRAME:029707/0188 Effective date: 20130128 |
|
AS | Assignment |
Owner name: TW VI HOLDINGS LLC, OHIO Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:AMIN, HIMANSHU S.;TUROCY, GREGORY;SHARIFI TAKIEH, SEYED VAHID;AND OTHERS;SIGNING DATES FROM 20100601 TO 20121207;REEL/FRAME:029735/0874 |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- AFTER EXAMINER'S ANSWER OR BOARD OF APPEALS DECISION |