VEHICULAR DRIVER PROFILES AND DISCOUNTS
Systems and methods are described for determining a driving score for an individual and updating a related vehicle-usage profile. The system and methods may include one or more processors, sensors, or transceivers to determine that an individual associated with an auto insurance policy is located in a driver seat of a vehicle for a vehicle trip. Telematics data may be collected from the sensors that indicates a time of day and an amount of time that the individual typically drives the vehicle. The telematics may be associated with the individual and a driving score for the individual may be determined. A vehicle-usage profile for the vehicle may then be updated with the telematics data or the driving score. The vehicle-usage profile may indicate a driving behavior of the individual and an auto insurance policy may be updated based on the profile.
1 . A computer system for updating a vehicle-usage profile of a vehicle, the system comprising:
a telematics application (app) executed by one or more processors communicatively coupled to one or more vehicle sensors onboard the vehicle and configured to:
apply a trained machine learning program to sensor data associated with an individual located in a driver seat to generate an analysis result, the sensor data collected from the one or more vehicle sensors, the sensor data comprising at least one of pressure sensor data, image data and voice data;
identify the individual located in the driver seat of the vehicle based upon the analysis result; and
determine that the individual is associated with the vehicle-usage profile of the vehicle; and
a remote telematics server communicatively coupled, via a network, to the telematics app and configured to:
collect telematics data from the vehicle, the telematics data indicating one or more vehicle trips taken by the individual in different travel environments including an amount of time that the individual drives the vehicle in each of the different travel environments;
determine a driving score for the individual based upon the telematics data; and
update the vehicle-usage profile of the vehicle with the telematics data and the driving score.
2 . The computer system of claim 1 , wherein the remote telematics server is further configured to transmit via wireless communication over one or more radio frequency links an updated auto insurance policy to a mobile device associated with the individual for review, the updated auto insurance policy being based upon the updated vehicle-usage profile.
3 . The computer system of claim 1 , wherein the one or more vehicle sensors onboard the vehicle include one or more of: a mobile device traveling with the vehicle or a processor associated with the vehicle.
4 . (canceled)
5 . The computer system of claim 1 , wherein updating the vehicle-usage profile includes one or more of: an update to an auto insurance premium, an update to an auto insurance policy discount, or an update to an auto insurance premium associated with usage-based auto insurance.
6 . The computer system of claim 1 , wherein determining that the individual is associated with the vehicle-usage profile is further based upon inputting the sensor data into a machine learning program trained to make the determination.
7 . The computer system of claim 6 , wherein the sensor data includes one or more of: weight sensor data, seat sensor data, pressure sensor data, image data captured by one or more cameras, voice data of the individual captured by one or more vehicle-mounted sensors, or voice data of the individual generated by one or more vehicle-mounted sensors.
8 . The computer system of claim 1 , wherein determining that the individual is associated with the vehicle-usage profile is further based upon the individual being authenticated by one or more of: a PIN, a voice recognition, a facial scan, a finger print scan, a retina scan, an authenticated key fob, a presence of a mobile device, or an identification of a mobile device.
9 . The computer system of claim 1 , wherein the telematics data is input into a machine learning program trained to determine the driving score.
10 . The computer system of claim 1 , wherein the driving behavior is determined by inputting the telematics data into a machine learning program trained to determine the driving behavior.
11 . A computer-implemented method for updating a vehicle-usage profile of a vehicle, the method comprising:
applying, via a telematics application (app) communicatively coupled to one or more vehicle sensors onboard the vehicle, a trained machine learning program to sensor data associated with an individual located in a driver seat to generate an analysis result, the sensor data collected from the one or more vehicle sensors, the sensor data comprising at least one of pressure sensor data, image data and voice data;
identifying, via the telematics app, the individual located in the driver seat of the vehicle based upon the analysis result;
determining, via the telematics app, that the individual is associated with the vehicle-usage profile of the vehicle;
collecting, via a remote telematics server communicatively coupled, via a network, to the telematics app, telematics data from the vehicle, the telematics data indicating one or more vehicle trips taken by the individual in different travel environments including an amount of time that the individual drives the vehicle in each of the different travel environments;
determining, via the remote telematics server, a driving score for the individual based upon the telematics data, the driving score; and
updating, via the remote telematics server, the vehicle-usage profile of the vehicle with the telematics data and the driving score.
12 . The computer-implemented method of claim 11 , further comprising transmitting, via wireless communication over one or more radio frequency links, an updated auto insurance policy to a mobile device associated with the individual for review, the updated auto insurance policy being based upon the updated vehicle-usage profile.
13 . The computer-implemented method of claim 11 , wherein the one or more vehicle sensors onboard the vehicle include one or more of: a mobile device traveling with the vehicle or a processor associated with the vehicle.
14 . (canceled)
15 . The computer-implemented method of claim 11 , wherein updating the vehicle-usage profile includes one or more updating of: an auto insurance premium, an auto insurance policy discount, or an auto insurance premium associated with usage-based auto insurance.
16 . The computer-implemented method of claim 11 , wherein determining that the individual is associated with the vehicle-usage profile is further based upon inputting the sensor data into a machine learning program trained to make the determination.
17 . The computer-implemented method of claim 16 , wherein the sensor data includes one or more of: weight sensor data, seat sensor data, pressure sensor data, image data captured by one or more cameras, voice data of the individual captured by one or more vehicle-mounted sensors, or voice data of the individual generated by one or more vehicle-mounted sensors.
18 . The computer-implemented method of claim 11 , wherein determining that the individual is associated with the vehicle-usage profile is further based upon the individual being authenticated by one or more of: a PIN, a voice recognition, a facial scan, a finger print scan, a retina scan, an authenticated key fob, a presence of a mobile device, or an identification of a mobile device.
19 . The computer-implemented method of claim 11 , wherein the telematics data is input into a machine learning program trained to determine the driving score.
20 . The computer-implemented method of claim 11 , wherein the driving behavior is determined by inputting the telematics data into a machine learning program trained to determine the driving behavior.
21 . (canceled)
22 . (canceled)