IP Library › Granted Patent US 12,400,272
Granted Patent B2
US 12,400,272 · App. 17/831,731 · Granted Aug 26, 2025

System and method for assessing device usage

Inventors: Pankaj Risbood (San Francisco, CA); Jonathan A. Matus (San Francisco, CA)
Assignee: Credit Karma, LLC
G06Q40/08G07C5/008G07C5/0841G06N20/00
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12,400,272
App. No.
17/831,731
Granted
Aug 26, 2025
Kind
B2
Abstract

A method for monitoring device usage includes: receiving user device information; based on the user interaction data, determining a state associated with the user device; and based on the state of the user device, determining a set of tap parameters. Additionally or alternatively, the method can include any or all of: determining a risk score based on at least on the set of tap parameters; determining an output based on the risk score; and/or any other suitable processes performed in any suitable order.

Claims (52)

1. A method for determining and utilizing a driver risk score for a user, the method comprising:

detecting that a user has initiated a driving trip in a vehicle;

during the driving trip, collecting a set of data at a user device associated with the user, the set of data comprising:

acceleration information from a set of accelerometers onboard the user device;

orientation information from a gyroscope onboard the user device; and

system performance information associated with the user device, wherein the system performance information comprising at least one of: processing activity information, network transfer information, or an amount of free memory;

selecting a state of the user device from a set of states based on the set of data, wherein the set of states comprises:

a stationary state, wherein in the stationary state, the user device is determined to be stationary relative to the vehicle;

a non-stationary state, wherein in the non-stationary state, the user device is determined to be moving relative to the vehicle;

in an event that the stationary state is selected, determining a set of tap parameters associated with a touch-sensitive surface of the user device;

eliminating a subset of the set of tap parameters from further processing based on a system performance threshold associated with the system performance information;

in an event that the non-stationary state is selected, determining a classification of a set of classifications for the user device;

calculating the driver risk score based on at least one of: the set of tap parameters or the classification;

comparing the driver risk score with a set of thresholds;

determining an insurance cost for the user based on the comparison;

facilitating provision of a set of outputs determined based on the insurance cost to the user at an application executing on the user device; and

suspending usage of the user device during the driving trip based on the comparison.

2. The method of claim 1 , wherein each of the subset of tap parameters is associated with a time period in which at least one of a processing activity or a network transfer is below a predetermined threshold.

3. The method of claim 1 , further comprising eliminating a subset of the set of tap parameters from further consideration, wherein each of the subset of tap parameters is associated with a time period in which a speed associated with the vehicle is below a predetermined threshold.

4. The method of claim 1 , wherein the state is selected based on processing the set of data with a set of machine learning algorithms.

5. The method of claim 4 , further comprising updating the set of machine learning algorithms based on the set of data and the set of outputs.

6. The method of claim 5 , further comprising processing a second set of data from a second user with the updated set of machine learning algorithms.

7. The method of claim 1 , further comprising establishing communication between a set of client applications in response to the comparison, wherein a first client application of the set of client applications is associated with an insurance provider.

8. The method of claim 7 , wherein facilitating the provision of the set of outputs is performed in response to establishing communication.

9. The method of claim 1 , further comprising determining a set of multiple insurance costs associated with a set of multiple insurance providers, the set of multiple insurance costs comprising the insurance cost, and selecting the insurance cost from the set of multiple insurance costs based on a second comparison between the set of multiple insurance costs.

10. A system for determining and utilizing a driver risk score for a user, the system comprising:

a processing subsystem in communication with a first application executing on user device, wherein the processing subsystem:

detects that a user has initiated a driving trip in a vehicle;

during the driving trip, collects a set of data, the set of data comprising:

acceleration information from a set of accelerometers onboard the user device;

orientation information from a gyroscope onboard the user device; and

system performance information associated with the user device, comprising at least one of: processing activity information, network transfer information, or an amount of free memory;

selects a state of the user device from a set of states based on the set of data, wherein the set of states comprises:

a stationary state, wherein in the stationary state, the user device is determined to be stationary relative to the vehicle;

a non-stationary state, wherein in the non-stationary state, the user device is determined to be moving relative to the vehicle;

in an event that the stationary state is selected, determines a set of tap parameters associated with a touch-sensitive surface of the user device;

in an event that the non-stationary state is selected, determines a classification of a set of classifications for the user device;

eliminates a subset of the set of tap parameters from further processing based on a system performance threshold associated with the system performance information;

calculates the driver risk score based on at least one of the set of tap parameters or the classification;

compares the driver risk score with a set of thresholds;

determines an insurance parameter for the user based on the comparison

facilitates provision of the insurance parameter to the user at the first application; and

suspends usage of the user device during the driving trip based on the comparison.

11. The system of claim 10 , wherein the processing subsystem is onboard the user device.

12. The system of claim 10 , wherein the insurance parameter comprises an insurance cost.

13. The system of claim 12 , wherein the processing subsystem further determines a set of multiple insurance costs associated with a set of multiple insurance providers, the set of multiple insurance costs comprising the insurance cost, wherein the processing subsystem selects the insurance cost from the set of multiple insurance costs based on a second comparison between the set of multiple insurance costs.

14. The system of claim 12 , wherein the processing subsystem is further in communication with a second application, wherein the insurance cost is received from the second application.

15. The system of claim 14 , further comprising establishing communication between the first and second applications in response to comparing the driver risk score with a set of thresholds.

16. The system of claim 15 , wherein the set of thresholds is received from the second application.

17. The system of claim 10 , wherein the processing subsystem further eliminates a second subset of the set of tap parameters from further consideration, wherein each of the second subset of tap parameters is associated with a time period in which a speed associated with the vehicle is below a threshold.

18. The system of claim 10 , wherein the state is selected based on processing the set of data with a set of machine learning algorithms.

19. The method of claim 1 , wherein the set of outputs comprises a notification of time spent in a state of distracted driving during the driving trip.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 16, 2024
From: ZENDRIVE, INC.
To: CREDIT KARMA, LLC
Reel/Frame 068584/0017 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 18, 2022
From: RISBOOD, PANKAJ; MATUS, JONATHAN A.
To: ZENDRIVE, INC.
Reel/Frame 060534/0445 →
Continuity (2)
Continuation In Part 16700991 · Dec 2, 2019
Related Publication 20220292613A1 · Sep 15, 2022
References Cited (323)
US 5673039A · Pietzsch et al. · 1997 [cited by applicant]
US 5864305A · Rosenquist · 1999 [cited by applicant]
US 6049778A · Walker et al. · 2000 [cited by applicant]
US 6055477A · McBurney et al. · 2000 [cited by applicant]
US 6064318A · Kirchner et al. · 2000 [cited by applicant]
US 6178374B1 · Moehlenkamp et al. · 2001 [cited by applicant]
US 6240364B1 · Kerner et al. · 2001 [cited by applicant]
US 6826477B2 · Ladetto et al. · 2004 [cited by applicant]
US 6941222B2 · Yano et al. · 2005 [cited by applicant]
US 7065449B2 · Brewster et al. · 2006 [cited by applicant]
US 7532196B2 · Hinckley · 2009 [cited by applicant]
US 7668931B2 · Parupudi et al. · 2010 [cited by applicant]
US 7801675B2 · Currie et al. · 2010 [cited by applicant]
US 7881868B2 · Greene et al. · 2011 [cited by applicant]
US 8054168B2 · McCormick et al. · 2011 [cited by applicant]
US 8264375B2 · Devries · 2012 [cited by applicant]
US 8290480B2 · Abramson et al. · 2012 [cited by applicant]
US 8326257B2 · Shiu et al. · 2012 [cited by applicant]
US 8352189B2 · Scott et al. · 2013 [cited by applicant]
US 8369876B2 · Bachmann et al. · 2013 [cited by applicant]
US 8395542B2 · Scherzinger et al. · 2013 [cited by applicant]
US 8489330B2 · Ellanti et al. · 2013 [cited by applicant]
US 8498610B2 · Staehlin · 2013 [cited by applicant]
US 8504035B2 · Shin et al. · 2013 [cited by applicant]
US 8521193B2 · Paek et al. · 2013 [cited by applicant]
US 8577703B2 · McClellan et al. · 2013 [cited by applicant]
US 8634822B2 · Silver et al. · 2014 [cited by applicant]
US 8731530B1 · Breed et al. · 2014 [cited by applicant]
US 8738523B1 · Sanchez et al. · 2014 [cited by applicant]
US 8754766B2 · Oesterling et al. · 2014 [cited by applicant]
US 8912103B2 · Heo et al. · 2014 [cited by applicant]
US 8971927B2 · Zhou et al. · 2015 [cited by applicant]
US 8972103B2 · Elwart et al. · 2015 [cited by applicant]
US 8989914B1 · Nemat-Nasser et al. · 2015 [cited by applicant]
US 8996234B1 · Tamari et al. · 2015 [cited by applicant]
US 9064412B2 · Baur · 2015 [cited by applicant]
US 9121940B2 · Psiaki et al. · 2015 [cited by applicant]
US 9141974B2 · Jones et al. · 2015 [cited by applicant]
US 9185526B2 · Guba et al. · 2015 [cited by applicant]
US 9188451B2 · Magnusson et al. · 2015 [cited by applicant]
US 9221428B2 · Kote et al. · 2015 [cited by applicant]
US 9222798B2 · Curtis et al. · 2015 [cited by applicant]
US 9224293B2 · Taylor · 2015 [cited by applicant]
US 9250090B2 · Hille et al. · 2016 [cited by applicant]
US 9311211B2 · Chatterjee et al. · 2016 [cited by applicant]
US 9311271B2 · Wright · 2016 [cited by applicant]
US 9360323B2 · Grokop · 2016 [cited by applicant]
US 9368027B2 · Jang et al. · 2016 [cited by applicant]
US 9390625B2 · Green et al. · 2016 [cited by applicant]
US 9414221B1 · Simon et al. · 2016 [cited by applicant]
US 9423318B2 · Liu et al. · 2016 [cited by applicant]
US 9449495B1 · Call et al. · 2016 [cited by applicant]
US 9457754B1 · Christensen et al. · 2016 [cited by applicant]
US 9467515B1 · Penilla et al. · 2016 [cited by applicant]
US 9495601B2 · Hansen · 2016 [cited by applicant]
US 9536428B1 · Wasserman · 2017 [cited by applicant]
US 9558520B2 · Peak et al. · 2017 [cited by applicant]
US 9564047B2 · Wu · 2017 [cited by applicant]
US 9566981B2 · Rebhan et al. · 2017 [cited by applicant]
US 9587952B1 · Slusar · 2017 [cited by applicant]
US 9628975B1 · Watkins et al. · 2017 [cited by applicant]
US 9632507B1 · Korn · 2017 [cited by applicant]
US 9633487B2 · Wright · 2017 [cited by applicant]
US 9645970B2 · Boesch et al. · 2017 [cited by applicant]
US 9650007B1 · Snyder et al. · 2017 [cited by applicant]
US 9674370B2 · Kim et al. · 2017 [cited by applicant]
US 9689698B2 · Wesselius et al. · 2017 [cited by applicant]
US 9716978B2 · Sankaran · 2017 [cited by applicant]
US 9731713B2 · Horii · 2017 [cited by applicant]
US 9773281B1 · Hanson · 2017 [cited by applicant]
US 9794729B2 · Meyers et al. · 2017 [cited by applicant]
US 9800716B2 · Abramson et al. · 2017 [cited by applicant]
US 9801027B2 · Levy et al. · 2017 [cited by applicant]
US 9805601B1 · Fields et al. · 2017 [cited by applicant]
US 9818239B2 · Pal et al. · 2017 [cited by applicant]
US 9842120B1 · Siris et al. · 2017 [cited by applicant]
US 9852475B1 · Konrardy et al. · 2017 [cited by applicant]
US 9854396B2 · Himmelreich et al. · 2017 [cited by applicant]
US 9868394B1 · Fields et al. · 2018 [cited by applicant]
US 9870649B1 · Fields et al. · 2018 [cited by applicant]
US 9888392B1 · Snyder et al. · 2018 [cited by applicant]
US 9900747B1 · Park · 2018 [cited by applicant]
US 9932033B2 · Slusar et al. · 2018 [cited by applicant]
US 9994218B2 · Pal et al. · 2018 [cited by applicant]
US 9996811B2 · Matus et al. · 2018 [cited by applicant]
US 10012993B1 · Matus et al. · 2018 [cited by applicant]
US 10072932B2 · Cordova et al. · 2018 [cited by applicant]
US 10137889B2 · Pal et al. · 2018 [cited by applicant]
US 10154382B2 · Matus · 2018 [cited by applicant]
US 10157423B1 · Fields et al. · 2018 [cited by applicant]
US 10176524B1 · Brandmaier et al. · 2019 [cited by applicant]
US 10304329B2 · Matus et al. · 2019 [cited by applicant]
US 10319037B1 · Chan et al. · 2019 [cited by applicant]
US 10324463B1 · Konrardy et al. · 2019 [cited by applicant]
US 10386192B1 · Konrardy et al. · 2019 [cited by applicant]
US 10510123B1 · Konrardy et al. · 2019 [cited by applicant]
US 10533870B1 · Slusar · 2020 [cited by applicant]
US 10559196B2 · Matus et al. · 2020 [cited by applicant]
US 10599155B1 · Konrardy · 2020 [cited by examiner]
US 10630723B1 · Prasad et al. · 2020 [cited by applicant]
US 10631147B2 · Matus et al. · 2020 [cited by applicant]
US 10759441B1 · Balakrishnan et al. · 2020 [cited by applicant]
US 10824145B1 · Konrardy et al. · 2020 [cited by applicant]
US 10848913B2 · Pal et al. · 2020 [cited by applicant]
US 10872525B2 · Xu et al. · 2020 [cited by applicant]
US 10885592B2 · Hsu-Hoffman et al. · 2021 [cited by applicant]
US 10983523B2 · Sim · 2021 [cited by applicant]
US 11069157B2 · Matus · 2021 [cited by applicant]
US 11170446B1 · Thurber · 2021 [cited by applicant]
US 11205232B1 · Chan et al. · 2021 [cited by applicant]
US 11691565B2 · Cordova et al. · 2023 [cited by applicant]
US 11775010B2 · Matus et al. · 2023 [cited by applicant]
US 20020161517A1 · Yano et al. · 2002 [cited by applicant]
US 20020161518A1 · Petzold et al. · 2002 [cited by applicant]
US 20030018430A1 · Ladetto et al. · 2003 [cited by applicant]
US 20040046335A1 · Knox et al. · 2004 [cited by applicant]
US 20040082311A1 · Shiu et al. · 2004 [cited by applicant]
US 20050080555A1 · Parupudi et al. · 2005 [cited by applicant]
US 20050093868A1 · Hinckley · 2005 [cited by applicant]
US 20050197773A1 · Brewster et al. · 2005 [cited by applicant]
US 20050288856A1 · Ohki et al. · 2005 [cited by applicant]
US 20060153198A1 · Chadha · 2006 [cited by applicant]
US 20070005228A1 · Sutardja · 2007 [cited by applicant]
US 20070208494A1 · Chapman et al. · 2007 [cited by applicant]
US 20070208501A1 · Downs et al. · 2007 [cited by applicant]
US 20080033776A1 · Marchese · 2008 [cited by applicant]
US 20080103907A1 · Maislos et al. · 2008 [cited by applicant]
US 20080243439A1 · Runkle et al. · 2008 [cited by applicant]
US 20080312832A1 · Greene et al. · 2008 [cited by applicant]
US 20090024419A1 · McClellan et al. · 2009 [cited by applicant]
US 20090216704A1 · Zheng et al. · 2009 [cited by applicant]
US 20100030582A1 · Rippel et al. · 2010 [cited by applicant]
US 20100056175A1 · Bachmann et al. · 2010 [cited by applicant]
US 20100100398A1 · Auker et al. · 2010 [cited by applicant]
US 20100106406A1 · Hille et al. · 2010 [cited by applicant]
US 20100131304A1 · Collopy et al. · 2010 [cited by applicant]
US 20100198517A1 · Scott et al. · 2010 [cited by applicant]
US 20100219944A1 · Mc et al. · 2010 [cited by applicant]
US 20100273508A1 · Parata et al. · 2010 [cited by applicant]
US 20100299021A1 · Jalili · 2010 [cited by applicant]
US 20100332131A1 · Horvitz et al. · 2010 [cited by applicant]
US 20110077028A1 · Wilkes, III · 2011 [cited by examiner]
US 20110124311A1 · Staehlin · 2011 [cited by applicant]
US 20110161116A1 · Peak et al. · 2011 [cited by applicant]
US 20110224898A1 · Scofield et al. · 2011 [cited by applicant]
US 20110246156A1 · Zecha et al. · 2011 [cited by applicant]
US 20110294520A1 · Zhou et al. · 2011 [cited by applicant]
US 20120050095A1 · Scherzinger et al. · 2012 [cited by applicant]
US 20120065871A1 · Deshpande et al. · 2012 [cited by applicant]
US 20120066053A1 · Agarwal · 2012 [cited by applicant]
US 20120071151A1 · Abramson et al. · 2012 [cited by applicant]
US 20120089328A1 · Ellanti et al. · 2012 [cited by applicant]
US 20120109517A1 · Watanabe · 2012 [cited by applicant]
US 20120129545A1 · Hodis et al. · 2012 [cited by applicant]
US 20120136529A1 · Curtis et al. · 2012 [cited by applicant]
US 20120136567A1 · Wang et al. · 2012 [cited by applicant]
US 20120149400A1 · Paek et al. · 2012 [cited by applicant]
US 20120158820A1 · Bai et al. · 2012 [cited by applicant]
US 20120197587A1 · Luk et al. · 2012 [cited by applicant]
US 20120226421A1 · Kote et al. · 2012 [cited by applicant]
US 20120245963A1 · Peak et al. · 2012 [cited by applicant]
US 20130006469A1 · Green et al. · 2013 [cited by applicant]
US 20130041521A1 · Basir et al. · 2013 [cited by applicant]
US 20130046562A1 · Taylor et al. · 2013 [cited by applicant]
US 20130052614A1 · Mollicone et al. · 2013 [cited by applicant]
US 20130069802A1 · Foghel et al. · 2013 [cited by applicant]
US 20130096731A1 · Tamari et al. · 2013 [cited by applicant]
US 20130124074A1 · Horvitz et al. · 2013 [cited by applicant]
US 20130130639A1 · Oesterling et al. · 2013 [cited by applicant]
US 20130144461A1 · Ricci · 2013 [cited by applicant]
US 20130204515A1 · Emura · 2013 [cited by applicant]
US 20130211618A1 · Iachini · 2013 [cited by applicant]
US 20130282264A1 · Bastiaensen et al. · 2013 [cited by applicant]
US 20130289819A1 · Hassib et al. · 2013 [cited by applicant]
US 20130302758A1 · Wright · 2013 [cited by applicant]
US 20130316737A1 · Guba et al. · 2013 [cited by applicant]
US 20130317860A1 · Schumann · 2013 [cited by applicant]
US 20130325517A1 · Berg · 2013 [cited by applicant]
US 20130332357A1 · Green et al. · 2013 [cited by applicant]
US 20130344856A1 · Silver et al. · 2013 [cited by applicant]
US 20140038640A1 · Wesselius et al. · 2014 [cited by applicant]
US 20140046896A1 · Potter · 2014 [cited by applicant]
US 20140074402A1 · Hassib et al. · 2014 [cited by applicant]
US 20140081670A1 · Lim et al. · 2014 [cited by applicant]
US 20140108058A1 · Bourne et al. · 2014 [cited by applicant]
US 20140187219A1 · Yang et al. · 2014 [cited by applicant]
US 20140188638A1 · Jones et al. · 2014 [cited by applicant]
US 20140197967A1 · Modica et al. · 2014 [cited by applicant]
US 20140207497A1 · Collins et al. · 2014 [cited by applicant]
US 20140232592A1 · Psiaki et al. · 2014 [cited by applicant]
US 20140244150A1 · Boesch et al. · 2014 [cited by applicant]
US 20140244156A1 · Magnusson et al. · 2014 [cited by applicant]
US 20140288765A1 · Elwart et al. · 2014 [cited by applicant]
US 20140288828A1 · Werner et al. · 2014 [cited by applicant]
US 20140358321A1 · Ibrahim · 2014 [cited by applicant]
US 20140358394A1 · Picciotti · 2014 [cited by applicant]
US 20150025917A1 · Stempora · 2015 [cited by applicant]
US 20150046197A1 · Peng et al. · 2015 [cited by applicant]
US 20150084757A1 · Annibale et al. · 2015 [cited by applicant]
US 20150087264A1 · Goyal · 2015 [cited by applicant]
US 20150097703A1 · Baur · 2015 [cited by applicant]
US 20150112731A1 · Binion et al. · 2015 [cited by applicant]
US 20150187146A1 · Chen et al. · 2015 [cited by applicant]
US 20150229666A1 · Foster et al. · 2015 [cited by applicant]
US 20150233718A1 · Grokop · 2015 [cited by applicant]
US 20150246654A1 · Tadic et al. · 2015 [cited by applicant]
US 20150327034A1 · Abramson et al. · 2015 [cited by applicant]
US 20150329121A1 · Lim et al. · 2015 [cited by applicant]
US 20150332407A1 · Wilson et al. · 2015 [cited by applicant]
US 20150334545A1 · Maier et al. · 2015 [cited by applicant]
US 20160021238A1 · Abramson et al. · 2016 [cited by applicant]
US 20160033366A1 · Liu et al. · 2016 [cited by applicant]
US 20160036964A1 · Barfield, Jr. · 2016 [cited by examiner]
US 20160042767A1 · Araya et al. · 2016 [cited by applicant]
US 20160048399A1 · Shaw · 2016 [cited by applicant]
US 20160059855A1 · Rebhan et al. · 2016 [cited by applicant]
US 20160066155A1 · Fan et al. · 2016 [cited by applicant]
US 20160068156A1 · Horii · 2016 [cited by applicant]
US 20160086285A1 · Jordan et al. · 2016 [cited by applicant]
US 20160129913A1 · Boesen · 2016 [cited by applicant]
US 20160133130A1 · Grimm et al. · 2016 [cited by applicant]
US 20160140404A1 · Rosen · 2016 [cited by examiner]
US 20160150070A1 · Goren et al. · 2016 [cited by applicant]
US 20160171521A1 · Ramirez et al. · 2016 [cited by applicant]
US 20160174049A1 · Levy et al. · 2016 [cited by applicant]
US 20160189303A1 · Fuchs · 2016 [cited by applicant]
US 20160189442A1 · Wright · 2016 [cited by applicant]
US 20160225263A1 · Salentiny et al. · 2016 [cited by applicant]
US 20160232785A1 · Wang · 2016 [cited by applicant]
US 20160269852A1 · Meyers et al. · 2016 [cited by applicant]
US 20160272140A1 · Kim et al. · 2016 [cited by applicant]
US 20160282156A1 · Ott et al. · 2016 [cited by applicant]
US 20160325756A1 · Cordova et al. · 2016 [cited by applicant]
US 20160328893A1 · Cordova et al. · 2016 [cited by applicant]
US 20160339910A1 · Jonasson et al. · 2016 [cited by applicant]
US 20160358315A1 · Zhou et al. · 2016 [cited by applicant]
US 20160364983A1 · Downs et al. · 2016 [cited by applicant]
US 20160375908A1 · Biemer · 2016 [cited by applicant]
US 20160379310A1 · Madigan et al. · 2016 [cited by applicant]
US 20160379485A1 · Anastassov et al. · 2016 [cited by applicant]
US 20160381505A1 · Sankaran · 2016 [cited by applicant]
US 20170034656A1 · Wang et al. · 2017 [cited by applicant]
US 20170053461A1 · Pal et al. · 2017 [cited by applicant]
US 20170057518A1 · Finegold et al. · 2017 [cited by applicant]
US 20170097243A1 · Ricci · 2017 [cited by applicant]
US 20170103342A1 · Rajani et al. · 2017 [cited by applicant]
US 20170103588A1 · Rajani et al. · 2017 [cited by applicant]
US 20170105098A1 · Cordova · 2017 [cited by examiner]
US 20170115125A1 · Outwater et al. · 2017 [cited by applicant]
US 20170116792A1 · Jelinek et al. · 2017 [cited by applicant]
US 20170124660A1 · Srivastava · 2017 [cited by applicant]
US 20170126810A1 · Kentley et al. · 2017 [cited by applicant]
US 20170138737A1 · Cordova et al. · 2017 [cited by applicant]
US 20170164158A1 · Watkins et al. · 2017 [cited by applicant]
US 20170178416A1 · Barreira Avegliano et al. · 2017 [cited by applicant]
US 20170178422A1 · Wright · 2017 [cited by applicant]
US 20170178424A1 · Wright · 2017 [cited by applicant]
US 20170210290A1 · Cordova et al. · 2017 [cited by applicant]
US 20170210323A1 · Cordova et al. · 2017 [cited by applicant]
US 20170211939A1 · Cordova et al. · 2017 [cited by applicant]
US 20170232963A1 · Pal et al. · 2017 [cited by applicant]
US 20170234689A1 · Gibson et al. · 2017 [cited by applicant]
US 20170241791A1 · Madigan et al. · 2017 [cited by applicant]
US 20170279947A1 · Rajakarunanayake et al. · 2017 [cited by applicant]
US 20170289754A1 · Anderson et al. · 2017 [cited by applicant]
US 20170349182A1 · Cordova et al. · 2017 [cited by applicant]
US 20170369055A1 · Saigusa et al. · 2017 [cited by applicant]
US 20170371608A1 · Wasserman · 2017 [cited by applicant]
US 20180061230A1 · Madigan et al. · 2018 [cited by applicant]
US 20180075309A1 · Sathyanarayana et al. · 2018 [cited by applicant]
US 20180090001A1 · Fletcher · 2018 [cited by applicant]
US 20180154908A1 · Chen · 2018 [cited by applicant]
US 20180158329A1 · Benhammou et al. · 2018 [cited by applicant]
US 20180165531A1 · Sathyanarayana et al. · 2018 [cited by applicant]
US 20180174446A1 · Wang · 2018 [cited by applicant]
US 20180276485A1 · Heck et al. · 2018 [cited by applicant]
US 20180308128A1 · Deluca et al. · 2018 [cited by applicant]
US 20190007511A1 · Rodriguez et al. · 2019 [cited by applicant]
US 20190017828A1 · Harish et al. · 2019 [cited by applicant]
US 20190035266A1 · Riess et al. · 2019 [cited by applicant]
US 20190281416A1 · Watkins et al. · 2019 [cited by applicant]
US 20190295133A1 · Hirtenstein et al. · 2019 [cited by applicant]
US 20200216078A1 · Katz · 2020 [cited by applicant]
US 20210309261A1 · Rosales et al. · 2021 [cited by applicant]
US 20220005291A1 · Konrardy et al. · 2022 [cited by applicant]
US 20220180448A1 · Konrardy et al. · 2022 [cited by applicant]
US 20220292613A1 · Risbood et al. · 2022 [cited by applicant]
US 20230271618A1 · Chandra et al. · 2023 [cited by applicant]
CN 108269406A · 2018 [cited by applicant]
CN 108431839A · 2018 [cited by applicant]
CN 108819841A · 2018 [cited by applicant]
DE 3439000A1 · 1986 [cited by applicant]
DE 102008008555 · 2008 [cited by applicant]
DE 102017221643A1 · 2018 [cited by applicant]
EP 0534892A1 · 1993 [cited by applicant]
EP 3022705A2 · 2016 [cited by applicant]
EP 3638542B1 · 2022 [cited by applicant]
GB 2492369B · 2014 [cited by applicant]
JP 2000009482A · 2000 [cited by applicant]
JP 2002215236A · 2002 [cited by applicant]
JP 2005098904A · 2005 [cited by applicant]
JP 2007212265A · 2007 [cited by applicant]
JP 2009133702A · 2009 [cited by applicant]
JP 2011133240A · 2011 [cited by applicant]
JP 2013195143A · 2013 [cited by applicant]
JP 2013200223A · 2013 [cited by applicant]
KR 20130106106A · 2013 [cited by applicant]
WO 2004085220 · 2004 [cited by applicant]
WO 2006000166A1 · 2006 [cited by applicant]
WO 2015122729A1 · 2015 [cited by applicant]
“IQL: A guide to today's embedded preferred risk platform Insurance”, Zendrive blog, dated 220Oct. 2021. [cited by applicant]
Haris, Syed Ali , “Whitepaper: Acquiring Preferred Risk Through Embedded Experiences”, Zendrive blog, Sep. 15, 2021. [cited by applicant]
“Credit Karma launches Karma Drive, a simple way to qualify for an auto insurance discount in as few as 30 days”, Dec. 17, 2020, Credit Karma Press Room, https://www.creditkarma.com/about/releases/credit-karma-launches-… [cited by applicant]
Mohan, Prashanth, et al., “Nericell: Rich Monitoring of Road and Traffic Conditions using Mobile Smartphones”, SenSys '08, Nov. 5-7, 2008, Raleigh, North Carolina., Feb. 28, 2018 00:00:00.0. [cited by applicant]
Chu, Hon Lung, “In-Vehicle Driver Detection Using Mobile Phone Sensors”, https://ece.duke.edu/sites/ece.duke.edu/files/ GWDD2011_Chu.pdf—2011 (Year: 2011). [cited by applicant]
Giuseppe, Guido, et al., “Using Smartphones as a Tool to Capture Road Traffic Attributes”, University of Calabria, Department of Civil Engineering, via P.Bucci, 87036—Rende (CS) Italy, Applied Mechanics and Materials, v… [cited by applicant]
Jiangqiang, et al., “Driver Pre-Accident Operation Mode Study Based on Vehicle-Vehicle Traffic Accidents”, 2011, Publisher: IEEE. [cited by applicant]
Kalra, Nidhi, “Analyzing Driving and Road Events via Smartphone”, International Journal of Computer Applications (0975-8887), vol. 98—No. 12, Jul. 2014, pp. 5-9. [cited by applicant]
Liang-Bi, et al., “An Implementation of Deep Learning based IoV System for Traffic Accident Collisions Detection with an Emergency Alert Mechanism”, 2018, Publisher: IEE. [cited by applicant]
Pattara-Atikom, W., et al., “Estimating Road Traffic Congestion using Vehicle Velocity”, 2006, Publisher: IEEE. [cited by applicant]
Short, Jeffrey, et al., “Identifying Autonomous Vehicle Technology Impacts on the Trucking Industry”, http://atri-online.org/wp-content/uploads/2016/11/ATRI-Autonomous-Vehicle-Impacts-11-2016.pdf (Year: 2016). [cited by applicant]
Tathagata, Das, et al., “PRISM: Platform for Remote Sensing using Smartphones”, In. Proc. Mobisys '10, Jun. 15-18, 2010, San Francisco, USA, pp. 63-76. [cited by applicant]
Walter, D., et al., “Novel Environmental Features for Robust Multisensor Navigation”, Proceedings of the 26th International Technical Meeting of the Satellite Division of the Institute of Navigation (ION GNSS+ 2013) Sep… [cited by applicant]