Granted Patent B1

US 9,904,289 · App. 14/990,121 · Granted Feb 27, 2018

Inventor: Gregory Hayward (Bloomington, IL)

Assignee: STATE MUTUAL AUTOMOBILE INSURANCE COMPANY

G05D1/0278G01C21/3415G01C21/3492G01S19/47G01S19/51G08G1/0133G08G1/0141

Abstract

Claims (68)

1. A remote server configured to use telematics data associated with a first driver to facilitate safer vehicle travel for a second driver, the remote server comprising:

a communication unit configured to receive a telematics data-related data transmission or wireless communication including telematics data, the telematics data being (i) sampled by one or more sensors that are incorporated as part of a first mobile computing device, (ii) generated when the one or more sensors indicate that the first mobile computing device is stationary with respect to a first vehicle associated with the first driver and is located within the first vehicle, and (iii) transmitted from the first mobile computing device;

a memory unit configured to store vehicle navigation information, virtual road maps, and computer-readable instructions; and

a processor configured to access the memory unit and to automatically identify or determine:

(i) a travel event;

(ii) a location of the travel event; and

(iii) a geographical or temporal scope of the travel event from computer analysis of the telematics data, the processor further being configured to generate a travel event-related data transmission or wireless communication indicative of the travel event, a location of the travel event, or an extent of the travel event,

wherein the communication unit is further configured to transmit the travel event-related data transmission or wireless communication to a second mobile computing device or second vehicle associated with the second driver when the travel event is relevant to the second mobile computing device or the second vehicle, to cause the second mobile computing device or second vehicle to direct preventive or corrective action and to display insurance policy pricing adjustment information associated with the second vehicle that is based upon a driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information,

wherein the processor is further configured to determine whether the travel event is relevant to the second mobile computing device or the second vehicle associated with the second driver based upon whether a location of the travel event, as determined based upon the telematics data, is within a threshold distance of a current location of the second mobile computing device or the second vehicle,

wherein the telematics data is indicative of acceleration, braking, cornering, and a location of the first vehicle, and

wherein the telematics data-related data transmission or wireless communication is generated by the first mobile computing device based upon the generated telematics data.

2. The remote server of claim 1 , wherein the travel event is based upon or determined from telematics data that reveals vehicle, traffic, congestion, road construction, or weather conditions.

3. The remote server of claim 1 , wherein the telematics data is indicative of a speed, deceleration, or lane information associated with the first mobile computing device or the first vehicle.

4. The remote server of claim 1 , wherein the telematics data is indicative of time, left turn, right turn, heading, Global Positioning System (GPS) speed, GPS latitude and longitude, gyroscope data, battery level, or telephone usage information or data associated with the first mobile device or the first vehicle.

5. The remote server of claim 1 , wherein the preventive or corrective action taken includes one or more of:

generating or determining an alert, at or via the second mobile computing device or second vehicle;

presenting a visual alert, at or via the second mobile device or second vehicle, on a display or display screen associated with (i) the second mobile computing device or (ii) the second vehicle; or

providing an audible alert, at or via the second mobile computing device or second vehicle.

6. The remote server of claim 5 , wherein the alert is presented only after the second mobile computing device or the second vehicle determines that the travel event is relevant to the second vehicle by determining that a location of the travel event is along a route that the second vehicle is presently traveling.

7. The remote server of claim 1 , wherein the preventive or corrective action taken includes one or more of:

generating, determining, or receiving an alternate travel route that avoids a Global Positioning System (GPS) location of the travel event, at or via the second mobile computing device or the second vehicle; and

presenting the alternative travel route, at or via the second mobile computing device or the second vehicle, on a display or display screen for use by the second driver.

8. The remote server of claim 1 , wherein the second vehicle is an autonomous vehicle, and

wherein the preventive or corrective action taken includes one or more of:

generating, determining, or receiving an alternate travel route that avoids a Global Positioning System (GPS) location of the travel event, at or via the second mobile computing device or the second vehicle; and

automatically directing the second vehicle to autonomously take or follow the alternative travel route, at or via the second mobile computing device or the second vehicle.

9. The remote server of claim 1 , wherein the processor is further configured to cause the communication unit to listen for the telematics data-related data transmission or wireless communication, and to store associated telematics data received via the communication unit in the memory unit when the telematics data-related data transmission or wireless communication is detected or within range, and

wherein the communication unit is further configured to relay or otherwise re-transmit the telematics data or the telematics data-related data transmission or wireless communication to other listening devices, including other vehicles, mobile devices, or smart infrastructure.

10. A smart infrastructure component configured to use telematics data associated with a first driver to facilitate safer vehicle travel for a second driver, the smart infrastructure component comprising:

a communication unit configured to receive a telematics data-related data transmission or wireless communication including telematics data, the telematics data being (i) sampled by one or more sensors that are incorporated as part of a first mobile computing device, (ii) generated when the one or more sensors indicate that the first mobile computing device is stationary with respect to a first vehicle associated with the first driver and is located within the first vehicle, and (iii) transmitted from the first mobile computing device;

a memory unit configured to store vehicle navigation information, virtual road maps, and computer-readable instructions; and

a processor configured to access the memory unit to automatically identify or determine:

(i) a travel event;

(ii) a location of the travel event; and

(iii) a geographical or temporal scope of the travel event from computer analysis of the telematics data, the processor further being configured to generate a travel event-related data transmission or wireless communication indicative of the travel event, a location of the travel event, or an extent of the travel event,

wherein the communication unit is further configured to transmit the travel event-related data transmission or wireless communication to a second mobile computing device or second vehicle associated with the second driver when the travel event is relevant to the second mobile computing device or the second vehicle, to cause the second mobile computing device or second vehicle to direct preventive or corrective action and to display insurance policy pricing adjustment information associated with the second vehicle that is based upon a driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information,

wherein the processor is further configured to determine whether the travel event is relevant to the second mobile computing device or the second vehicle associated with a second driver based upon whether a location of the travel event, as determined based upon the telematics data, is within a threshold distance of a current location of the second mobile computing device or the second vehicle,

wherein the telematics data is indicative of acceleration, braking, cornering, and a location of the first vehicle, and

wherein the telematics data-related data transmission or wireless communication is generated by the first mobile computing device based upon the generated telematics data.

11. The smart infrastructure component of claim 10 , wherein the travel event is based upon or determined from telematics data that reveals vehicle, traffic, congestion, road construction, or weather conditions.

12. The smart infrastructure component of claim 10 , wherein the telematics data is indicative of a speed, deceleration, or lane information associated with the first mobile computing device or the first vehicle.

13. The smart infrastructure component of claim 10 , wherein the telematics data is indicative of a time, left turn, right turn, heading, Global Positioning System (GPS) speed, GPS latitude and longitude, gyroscope data, battery level, or telephone usage information or data associated with the first mobile computing device or the first vehicle.

14. The smart infrastructure component of claim 10 , wherein the preventive or corrective action taken includes one or more of:

generating or determining an alert, at or via the second mobile computing device or the second vehicle;

presenting a visual alert, at or via the second mobile computing device or the second vehicle, on a display or display screen associated with the second mobile computing device or the second vehicle; or

providing an audible alert, at or via the second mobile computing device or the second vehicle.

15. The smart infrastructure component of claim 14 , wherein the alert is presented only after the second mobile computing device or the second vehicle determines that the travel event is relevant to the second vehicle by determining that a location of the travel event is along a route that the second vehicle is presently traveling.

16. The smart infrastructure component of claim 10 , wherein the preventive or corrective action taken includes one or more of:

generating, determining, or receiving an alternate travel route that avoids a Global Positioning System (GPS) location of the travel event, at or via the second mobile computing device or the second vehicle; and

presenting the alternative travel route, at or via the second mobile computing device or the second vehicle, on a display or display screen for use by the second driver.

17. The smart infrastructure component of claim 10 , wherein the second vehicle is an autonomous vehicle, and

wherein the preventive or corrective action taken includes one or more of:

generating, determining, or receiving an alternate travel route that avoids a Global Positioning System (GPS) location of the travel event, at or via the second mobile computing device or the second vehicle; and

automatically directing the second vehicle to take or follow the alternative travel route, at or via the second mobile computing device or the second vehicle.

18. The smart infrastructure component of claim 10 , wherein the processor is further configured to cause the communication unit to listen for the telematics data-related data transmission or wireless communication and to store associated telematics data received via the communication unit in the memory unit when the telematics data-related data transmission or wireless communication is detected or within range, and

wherein the communication unit is further configured to relay or otherwise re-transmit the telematics data or the telematics data-related data transmission or wireless communication to other listening devices, including other vehicles, mobile devices, or smart infrastructure.

19. An intermediate mobile device configured to use telematics data associated with a first driver to facilitate safer vehicle travel for a second driver, the intermediate mobile device comprising:

a communication unit configured to receive a data transmission or wireless communication containing or including telematics data, the telematics data being (i) sampled by one or more sensors that are incorporated as part of a first mobile computing device associated with the first driver, (ii) generated when the one or more sensors indicate that the first mobile computing device is stationary with respect to a first smart vehicle and is located within the first smart vehicle, and (iii) transmitted from the first mobile computing device or the first smart vehicle;

a memory unit configured to store vehicle navigation information, virtual road maps, and computer-readable instructions; and

a processor configured to access the memory unit to automatically identify or determine:

(i) a travel event;

(ii) a location of the travel event; and

(iii) a geographical or temporal scope of the travel event from computer analysis of the telematics data, the processor further being configured to generate a travel event-related data transmission or wireless communication indicative of the travel event, a location of the travel event, or an extent of the travel event, and

wherein the communication unit is further configured to transmit the travel event-related data transmission or wireless communication to a second mobile computing device or a second smart vehicle associated with the second driver via peer-to-peer (P2P) communications when the travel event is relevant to the second mobile computing device or the second smart vehicle, to cause the second mobile computing device or the second smart vehicle to direct preventive or corrective action and to display insurance policy pricing adjustment information associated with the second smart vehicle that is based upon a driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information,

wherein the processor is further configured to determine whether the travel event is relevant to the second mobile computing device or the second smart vehicle associated with the second driver based upon whether a location of the travel event as determined based upon the telematics data is within a threshold distance of a current location of the second mobile computing device or the second smart vehicle,

wherein the telematics data is indicative of acceleration, braking, cornering, and a location of the first smart vehicle, and

wherein the data transmission or wireless communication is generated by the first mobile computing device based upon the generated telematics data.

20. The intermediate mobile device of claim 19 , wherein the telematics data is indicative of a time, left turn, right turn, heading, Global Positioning System (GPS) speed, GPS latitude and longitude, gyroscope data, battery level, or telephone usage information or data associated with the first mobile computing device or the first smart vehicle.

Assignments (1)

Continuity (15)