Granted Patent B1

US 12,307,509 · App. 17/493,631 · Granted May 20, 2025

Inventor: Kenneth Jason Sanchez (San Francisco, CA)

Assignee: QUANATA, LLC

G06Q30/08G06Q20/405G07C5/008G06Q30/0201

Abstract

Claims (103)

1. A computer-implemented method, the computer-implemented method comprising:

collecting a plurality of telematics data sets for a plurality of users associated with a plurality of marketplace participants via a software development kit (SDK) commonly installed on: (1) one or more mobile devices of the plurality of users, (2) one or more third-party applications installed on the one or more mobile devices of the plurality of users, and (3) one or more on-board computers of one or more automobiles of the plurality of users, wherein the plurality of users include a plurality of vehicle operators, wherein, when the SDK is installed on multiple third-party applications installed on a same mobile device, a single copy of a telematics data collection program is run while other telematics collection programs are suspended to save processing power and reduce redundancy, and wherein the collecting of the plurality of telematics data sets for the plurality of users associated with the plurality of marketplace participants via the SDK comprises:

continually collecting a plurality of personal data sets associated with the plurality of vehicle operators, wherein the plurality of vehicle operators are associated with the plurality of marketplace participants;

continually collecting a plurality of sensor data sets associated with the plurality of vehicle operators via one or more sensors when each of the one or more sensors has collected a predetermined threshold amount of respective sensor measurements, wherein the one or more sensors include a Global Positioning Systems (GPS) sensor, an accelerometer, and a gyroscope, wherein the one or more sensors collect the plurality of sensor data sets, and wherein the plurality of sensor data sets comprise at least one of location sensor data, orientation sensor data, acceleration sensor data, or velocity sensor data;

for each respective vehicle operator of the plurality of vehicle operators associated with the plurality of marketplace participants:

producing, by the SDK, a uniformed output of a telematics data set of the plurality of telematics data sets in a standardized format, wherein the telematics data set in the standardized format includes a sensor data set of the plurality of sensor data sets in the standardized format;

generating and continually updating a respective operator profile including a personal data set associated with the respective vehicle operator;

determining and continually updating one or more respective telematics inferences in a standardized data format based at least in part upon the sensor data set associated with the respective vehicle operator by providing the sensor data set associated with the respective vehicle operator to a machine learning model, wherein the machine learning model is trained to generate the one or more respective telematics inferences, wherein the machine learning model is trained using telematics data and historic loss ratios associated with a set of vehicle operators, and wherein the machine learning model has a plurality of weights and biases that correspond to each type of sensor data of the sensor data set associated with the respective vehicle operator;

generating and continually updating a respective data profile including the one or more respective telematics inferences associated with the respective vehicle operator; and

listing and continually updating the respective data profile onto a telematics marketplace to be accessible by the plurality of marketplace participants;

automatically receiving, from a plurality of bidders of the plurality of marketplace participants, a plurality of conditional bids for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators, each conditional bid of the plurality of conditional bids including one or more conditional payments and one or more payment conditions;

automatically determining, based at least in part upon the plurality of conditional bids, a winning bid and a marketplace participant of the plurality of marketplace participants that is an associated winning bidder; and

digitally transmitting the target operator profile to the associated winning bidder, wherein the target operator profile includes the one of the one or more respective telematics inferences in the standardized data format.

2. The computer-implemented method of claim 1 , further comprising:

continually collecting user management data of a target vehicle operator associated with the target operator profile; and

determining whether each payment condition of the one or more payment conditions is satisfied based at least in part upon the user management data.

3. The computer-implemented method of claim 1 , wherein:

the one or more conditional payments include a first conditional payment and a second conditional payment;

the one or more payment conditions include a first payment condition and a second payment condition;

the first conditional payment is withheld from completion at least until the first payment condition is satisfied; and

the second conditional payment is withheld from completion at least until the first payment condition and the second payment condition are satisfied.

4. The computer-implemented method of claim 1 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when an associated bidder is selected as the associated winning bidder; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

5. The computer-implemented method of claim 1 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder receives the target operator profile; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

6. The computer-implemented method of claim 1 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder successfully acquires a target vehicle operator associated with the target operator profile as a user; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

7. The computer-implemented method of claim 1 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder successfully retains a target vehicle operator associated with the target operator profile as a user beyond a target time duration; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

8. The computer-implemented method of claim 1 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder successfully achieves a target profitability from a target vehicle operator associated with the target operator profile as a user; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

9. The computer-implemented method of claim 1 , further comprising:

automatically matching or switching the respective vehicle operator to one or more insurance policy offers offered by a marketplace participant of the plurality of marketplace participants based at least in part upon the one or more respective telematics inferences as continually updated and predetermined preferences of the respective vehicle operator.

10. The computer-implemented method of claim 9 , wherein the automatically matching the respective vehicle operator to the one or more insurance policy offers is performed by a web service or an application after the respective vehicle operator enrolls or subscribes to the web service or the application when new bids or a new telematics data set becomes available, wherein the web service or the application collects the predetermined preferences of the respective vehicle operator, usage characteristics of the web service or the application for the respective vehicle operator, and the new telematics data set of the respective vehicle operator.

11. A computer system, the computer system comprising:

one or more processors; and

a memory storing instructions that, upon execution by the one or more processors, cause the computer system to perform one or more processes including:

collecting a plurality of telematics data sets for a plurality of users associated with a plurality of marketplace participants via a software development kit (SDK) commonly installed on: (1) one or more mobile devices of the plurality of users, (2) one or more third-party applications installed on the one or more mobile devices of the plurality of users, and (3) one or more on-board computers of one or more automobiles of the plurality of users, wherein the plurality of users include a plurality of vehicle operators, wherein, when the SDK is installed on multiple third-party applications installed on a same mobile device, a single copy of a telematics data collection program is run while other telematics collection programs are suspended to save processing power and reduce redundancy, and wherein the collecting of the plurality of telematics data sets for the plurality of users associated with the plurality of marketplace participants via the SDK comprises:

continually collecting a plurality of personal data sets associated with the plurality of vehicle operators, wherein the plurality of vehicle operators are associated with the plurality of marketplace participants;

continually collecting a plurality of sensor data sets associated with the plurality of vehicle operators via one or more sensors when each of the one or more sensors has collected a predetermined threshold amount of respective sensor measurements, wherein the one or more sensors include at least one of a Global Positioning Systems (GPS) sensor, an accelerometer, and a gyroscope, wherein the one or more sensors collect the plurality of sensor data sets, and wherein the plurality of sensor data sets comprise at least one of location sensor data, orientation sensor data, acceleration sensor data, or velocity sensor data;

for each respective vehicle operator of the plurality of vehicle operators associated with the plurality of marketplace participants:

producing, by the SDK, a uniformed output of a telematics data set of the plurality of telematics data sets in a standardized format, wherein the telematics data set in the standardized format includes a sensor data set of the plurality of sensor data sets in the standardized format;

generating and continually updating a respective operator profile including a personal data set associated with the respective vehicle operator;

determining and continually updating one or more respective telematics inferences in a standardized data format based at least in part upon the sensor data set associated with the respective vehicle operator by providing the sensor data set associated with the respective vehicle operator to a machine learning model, wherein the machine learning model is trained to generate the one or more respective telematics inferences, wherein the machine learning model is trained using telematics data and historic loss ratios associated with a set of vehicle operators, and wherein the machine learning model has a plurality of weights and biases that correspond to each type of sensor data of the sensor data set associated with the respective vehicle operator;

generating and continually updating a respective data profile including the one or more respective telematics inferences associated with the respective vehicle operator; and

listing and continually updating the respective data profile onto a telematics marketplace to be accessible by the plurality of marketplace participants;

automatically receiving, from a plurality of bidders of the plurality of marketplace participants, a plurality of conditional bids for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators, each conditional bid of the plurality of conditional bids including one or more conditional payments and one or more payment conditions;

automatically determining, based at least in part upon the plurality of conditional bids, a winning bid and a marketplace participant of the plurality of marketplace participants that is an associated winning bidder; and

digitally transmitting the target operator profile to the associated winning bidder, wherein the target operator profile includes the one or more respective telematics inferences in the standardized data format.

12. The computer system of claim 11 , wherein, the memory, upon execution by the one or more processors, further cause the computer system to perform one or more processes including:

continually collecting user management data of a target vehicle operator associated with the target operator profile; and

determining whether each payment condition of the one or more payment conditions is satisfied based at least in part upon the user management data.

13. The computer system of claim 11 , wherein:

the one or more conditional payments include a first conditional payment and a second conditional payment;

the one or more payment conditions include a first payment condition and a second payment condition;

the first conditional payment is withheld from completion at least until the first payment condition is satisfied; and

the second conditional payment is withheld from completion at least until the first payment condition and the second payment condition are satisfied.

14. The computer system of claim 11 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when an associated bidder is selected as the associated winning bidder; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

15. The computer system of claim 11 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder receives the target operator profile; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

16. The computer system of claim 11 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder successfully acquires a target vehicle operator associated with the target operator profile as a user; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

17. The computer system of claim 11 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder successfully retains a target vehicle operator associated with the target operator profile as a user beyond a target time duration; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

18. The computer system of claim 11 , wherein:

the one or more conditional payments include a first conditional payment;

the one or more payment conditions include a first payment condition that is satisfied when the associated winning bidder successfully achieves a target profitability from a target vehicle operator associated with the target operator profile as a user; and

the first conditional payment is withheld from completion at least until the first payment condition is satisfied.

19. A non-transitory computer-readable medium storing instructions, the instructions upon execution by one or more processors of a computing system, cause the computing system to perform one or more processes including:

collecting a plurality of telematics data sets for a plurality of users associated with a plurality of marketplace participants via a software development kit (SDK) commonly installed on: (1) one or more mobile devices of the plurality of users, (2) one or more third-party applications installed on the one or more mobile devices of the plurality of users, and (3) one or more on-board computers of one or more automobiles of the plurality of users, wherein the plurality of users include a plurality of vehicle operators, wherein, when the SDK is installed on multiple third-party applications installed on a same mobile device, a single copy of a telematics data collection program is run while other telematics collection programs are suspended to save processing power and reduce redundancy, and wherein the collecting of the plurality of telematics data sets for the plurality of users associated with the plurality of marketplace participants via the SDK comprises:

continually collecting a plurality of personal data sets associated with the plurality of vehicle operators, wherein the plurality of vehicle operators are associated with the plurality of marketplace participants;

continually collecting a plurality of sensor data sets associated with the plurality of vehicle operators via one or more sensors when each of the one or more sensors has collected a predetermined threshold amount of respective sensor measurements, wherein the one or more sensors include a Global Positioning Systems (GPS) sensor, an accelerometer, and a gyroscope, wherein the one or more sensors collect the plurality of sensor data sets, and wherein the plurality of sensor data sets comprise at least one of location sensor data, orientation sensor data, acceleration sensor data, or velocity sensor data;

for each respective vehicle operator of the plurality of vehicle operators associated with the plurality of marketplace participants:

producing, by the SDK, a uniformed output of a telematics data set of the plurality of telematics data sets in a standardized format, wherein the telematics data set in the standardized format includes a sensor data set of the plurality of sensor data sets in the standardized format;

generating and continually updating a respective operator profile including a personal data set associated with the respective vehicle operator;

determining and continually updating one or more respective telematics inferences in a standardized data format based at least in part upon the sensor data set associated with the respective vehicle operator by providing the sensor data set associated with the respective vehicle operator to a machine learning model, wherein the machine learning model is trained to generate the one or more respective telematics inferences, wherein the machine learning model is trained using telematics data and historic loss ratios associated with a set of vehicle operators, and wherein the machine learning model has a plurality of weights and biases that correspond to each type of sensor data of the sensor data set associated with the respective vehicle operator;

generating and continually updating a respective data profile including the one or more respective telematics inferences associated with the respective vehicle operator; and

listing and continually updating the respective data profile onto a telematics marketplace to be accessible by the plurality of marketplace participants;

automatically receiving, from a plurality of bidders of the plurality of marketplace participants, a plurality of conditional bids for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators, each conditional bid of the plurality of conditional bids including one or more conditional payments and one or more payment conditions;

automatically determining, based at least in part upon the plurality of conditional bids, a winning bid and a marketplace participant of the plurality of marketplace participants that is an associated winning bidder; and

digitally transmitting the target operator profile to the associated winning bidder, wherein the target operator profile includes the one or more respective telematics inferences in the standardized data format.

20. The non-transitory computer-readable medium of claim 19 , wherein:

continually collecting user management data of a target vehicle operator associated with the target operator profile; and

determining whether each payment condition of the one or more payment conditions is satisfied based at least in part upon the user management data.

Assignments (2)

References Cited (179)