DRIVER PROFILES BASED UPON COMPLIANCE WITH DRIVER-SPECIFIC LIMITATIONS
In a computer-implemented method for detecting and acting upon driver compliance with driver-specific limitations, it is determined that a driver of a vehicle has one or more limitations specific to a medical condition and/or a physical characteristic of the driver. Telematics data is received and analyzed to identify a plurality of driving behaviors of the driver. Based upon the driving behaviors, a level of compliance with the limitations is determined. Based upon the level of compliance, at least a portion of a driver profile is set. At least the portion of the profile is transmitted to an entity that adjusts a credit rating of the driver, adjusts an insurance rating of the driver, reviews at least the portion of the profile in connection with a job sought by the driver, or offers a permanent or temporary credit in connection with a good or service offered by the entity. As a result, benefits or cost savings may be provided to risk-averse drivers.
1 . A computer-implemented method for detecting and acting upon driver compliance with driver-specific limitations, the computer-implemented method comprising:
determining, by one or more processors of a computer system, that a driver of a vehicle has a particular level of vision impairment;
collecting telematics data during one or more time periods, by one or both of (i) one or more electronic subsystems located on or in the vehicle and (ii) a mobile electronic device of the driver or a passenger;
transmitting, by the one or more electronic subsystems or by the mobile electronic device, the telematics data to the computer system;
analyzing, by the one or more processors, the telematics data to identify a plurality of driving behaviors of the driver during the one or more time periods, wherein the plurality of driving behaviors includes a metric indicating how closely the driver follows other vehicles in relation to one or more speeds of the driver;
determining, by the one or more processors and based at least upon the plurality of driving behaviors, a level of impairment compliance during the one or more time periods, wherein determining the level of impairment compliance includes comparing the metric to a threshold known to correlate to safe driving behaviors for drivers having the particular level of vision impairment; and
based at least upon the determined level of impairment compliance, setting, by the one or more processors, at least a portion of a driver profile associated with the driver.
2 .- 3 . (canceled)
4 . The computer-implemented method of claim 1 , wherein determining that the driver has the particular level of vision impairment includes requesting one or more records from a remote server via a network.
5 . The computer-implemented method of claim 1 , wherein receiving telematics data includes receiving sensor data indicative of an environment external to the vehicle during the one or more time periods.
6 . The computer-implemented method of claim 5 , wherein analyzing the received telematics data to identify a plurality of driving behaviors of the driver includes analyzing the sensor data to determine a plurality of distances, during the one or more time periods, between the vehicle and other vehicles.
7 . The computer-implemented method of claim 6 , wherein
the metric indicating how closely the driver follows other vehicles in relation to the one or more speeds of the driver is based in part upon the plurality of distances.
8 . The computer-implemented method of claim 1 , wherein receiving telematics data includes receiving operational data indicative of the one or more speeds of the vehicle during the one or more time periods.
9 . The computer-implemented method of claim 1 , wherein setting at least the portion of the driver profile includes lowering a compliance rating of the driver profile in response to determining that the level of impairment compliance is below a pre-determined threshold level.
10 . The computer-implemented method of claim 1 , further comprising:
causing transmission of at least the portion of the driver profile to a financial institution that adjusts the credit rating associated with the driver based upon at least the portion of the driver profile.
11 . The computer-implemented method of claim 1 , further comprising:
causing transmission of at least the portion of the driver profile to an employer that reviews at least the portion of the driver profile in connection with the job sought by the driver.
12 . The computer-implemented method of claim 1 , further comprising:
causing transmission of at least the portion of the driver profile to an insurer that adjusts the insurance rating of the driver based upon at least the portion of the driver profile.
13 . The computer-implemented method of claim 1 , further comprising:
causing transmission of at least the portion of the driver profile to a rental vehicle company that discounts a car rental offered to the driver based upon at least the portion of the driver profile.
14 . A system for detecting and acting upon driver compliance with driver-specific limitations, the system comprising:
a device or subsystem that includes one or both of (i) one or more electronic subsystems located on or in a vehicle, and (ii) a mobile electronic device of a driver or a passenger of the vehicle, and is configured to
collect telematics data during one or more time periods, and
transmit the telematics data to a computer system; and
the computer system, wherein the computer system includes
one or more processors, and
a memory storing instructions that, when executed by the one or more processors, cause the computer system to
determine that the driver has a particular level of vision impairment,
analyze the telematics data received from the device or subsystem to identify a plurality of driving behaviors of the driver during the one or more time periods, wherein the plurality of driving behaviors includes a metric indicating how closely the driver follows other vehicles in relation to one or more speeds of the driver,
determine, based at least upon the plurality of driving behaviors, a level of impairment compliance during the one or more time periods, wherein determining the level of impairment compliance includes comparing the metric to a threshold known to correlate to safe driving behaviors for drivers having the particular level of vision impairment, and
based at least upon the determined level of impairment compliance, set a at least a portion of a driver profile associated with the driver.
15 . (canceled)
16 . The system of claim 14 , wherein the telematics data includes sensor data indicative of an environment external to the vehicle during the one or more time periods.
17 . The system of claim 14 , wherein the telematics data includes operational data indicative of the one or more speeds of the driver.
18 .- 22 . (canceled)
23 . The system of claim 14 , wherein:
the metric indicating how closely the driver follows other vehicles in relation to the one or more speeds of the driver is based in part upon a plurality of distances.