USER-MANAGED EVIDENTIARY RECORD OF DRIVING BEHAVIOR AND RISK RATING
A user driving a vehicle may be monitored by a device on behalf of a third party, such as employers and insurers. The device may generate an objective evidentiary record of the user's driving safety and/or proficiency for use by the third party. The user may wish to share the evidentiary record with other parties, but the third party that controls the record may not agree and/or release the record. A user-generated record of the user's driving behavior may be untrustworthy and/or unverifiable. Instead, a device of the user monitors the operation of the vehicle by the user, generates a driving profile of the user's driving behavior and risk rating, and cryptographically signs the driving profile. The cryptographically signed driving profile is transmitted to the user for sharing with third parties, e.g., potential employers and insurers, and the authenticity of the driving profile is verifiable using the cryptographic signature.
1 . A method of providing an evidentiary record of a driving behavior of a user of a vehicle, the method involving a device having a processor and a cryptographic key and comprising:
executing, by the processor, instructions that cause the device to:
while the user operates the vehicle, detect at least one driving factor;
evaluate the at least one driving factor to identify:
a driving behavior of the user, and
a risk rating of the driving behavior;
generate a driving profile providing evidence of the risk rating and the driving behavior of the user;
using the cryptographic key, sign the driving profile of the user; and
transmit the driving profile signed with the cryptographic key to the user.
2 . The method of claim 1 , wherein detecting the at least one driving factor further comprises: receiving, from the vehicle, at least one telemetric measurement of the vehicle during operation by the user.
3 . The method of claim 1 , wherein:
the vehicle comprise a proximity sensor; and
detecting the at least one driving factor further comprises: receiving, from the vehicle, a proximity measurement of a proximity of the vehicle to a second vehicle during operation by the user.
4 . The method of claim 1 , wherein detecting the at least one driving factor further comprises: identifying, for an area of the vehicle, a weather factor that affects operation of the vehicle by the user.
5 . The method of claim 1 , wherein executing the instructions further causes the device to present to the user at least one suggestion for an adjustment of the driving behavior that improves the risk rating of the driving behavior of the user.
6 . A server that provides an evidentiary record of a driving behavior of a user, the server comprising:
a processor;
a cryptographic key; and
a memory storing instructions that, when executed by the processor, provide a system comprising:
a driving behavior evaluator that:
receives at least one driving factor detected while the user operates the vehicle; and
evaluates the at least one driving factor to identify:
a driving behavior of the user, and
a risk rating of the driving behavior; and
a driving profile generator that:
generates a driving profile providing evidence of the risk rating and the driving behavior of the user;
using the cryptographic key, signs the driving profile of the user; and
transmits the driving profile signed with the cryptographic key to the user.
7 . The server of claim 6 , wherein the system further comprises: an insurer connector that connects the user with an insurer providing vehicle insurance that is compatible with the risk rating of the user.
8 . The server of claim 7 , wherein the insurer connector connects the user with the insurer by:
among at least two candidate insurers, comparing an insurance rate of the at least two candidate insurers; and
connecting the user with a selected insurer offering an insurance rate that is lower than the insurance rate of at least one other candidate insurer.
9 . The server of claim 7 , wherein the insurer connector connects the user with the insurer by:
among at least two candidate insurers, comparing user ratings of the at least two candidate insurers; and
connecting the user with a selected insurer that is associated with a user rating that is higher than the user rating of at least one other candidate insurer.
10 . The server of claim 7 , wherein the insurer connector connects the user with the insurer by:
among at least two candidate insurers, comparing an insurance coverage of the at least two candidate insurers; and
connecting the user with a selected insurer offering insurance coverage that is broader than the insurance coverage of at least one other candidate insurer.
11 . The server of claim 7 , wherein:
the insurer offers at least two insurance plans; and
wherein the insurer connector connects the user with the insurer by:
comparing the at least two insurance plans offered by the insurer to identify a selected insurance plan that is suitable for the risk rating of the user; and
recommending the selected insurance plan to the user.
12 . The server of claim 7 , wherein the system further comprises: a driving behavior suggester that presents to the user:
a suggested adjustment of the driving behavior that reduces the risk rating of the user; and
a projected insurance rate savings through the insurer arising from the suggested adjustment of the driving behavior.
13 . The server of claim 7 , wherein the insurer connector, upon detecting an adoption of the suggested adjustment of the driving behavior by the user, notifies the insurer of the adoption of the suggested adjustment.
14 . The server of claim 15 , wherein the insurer connector further comprises: a user profile transmitter that, upon receiving consent from the user to transmit the driving profile to the insurer, transmits the driving profile to the insurer.
15 . The server of claim 14 , wherein the user profile transmitter further comprises: an anonymizer that, before delivering the driving profile to an insurer, removes personal identifying information from the driving profile.
16 . The server of claim 15 , wherein the anonymizer further discloses the personal identifying information to the insurer only upon receiving a notification that the user has contracted with the insurer.
17 . A vehicle device of a vehicle that provides an evidentiary record of a driving behavior of a user, the device comprising:
a processor;
a cryptographic key;
a telemetric interface that, while the user operates the vehicle, receivers at least one driving factor from the vehicle; and
a memory storing instructions that, when executed by the processor, provide a system comprising:
a driving behavior evaluator that evaluates the at least one driving factor to identify:
a driving behavior of the user, and
a risk rating of the driving behavior; and
a driving profile generator that:
generates a driving profile providing evidence of the risk rating and the driving behavior of the user;
using the cryptographic key, signs the driving profile of the user; and
transmits the driving profile signed with the cryptographic key to the user.
18 . The vehicle device of claim 17 , wherein the driving behavior evaluator identifies the driving behavior and the risk rating by: evaluating a driving context in which the user operates the vehicle that relates to the driving behavior and the risk rating of the user.
19 . The vehicle device of claim 17 , wherein the driving behavior evaluator identifies the driving behavior and the risk rating by:
comparing the driving behavior of the user with a second driving behavior of at least one other user; and
identifying the driving behavior of the user relative to the second driving behavior of the at least one other user.
20 . The vehicle device of claim 17 , wherein the driving behavior evaluator identifies the driving behavior and the risk rating by:
comparing the driving behavior of the user with an earlier driving behavior of the user; and
identifying an improvement of the driving behavior of the user as compared with the earlier driving behavior of the user.