Granted Patent B2

US 12,260,423 · App. 18/065,996 · Granted Mar 25, 2025

Inventor: Kenneth Jason Sanchez (San Francisco, CA)

Assignee: QUANATA, LLC

G06Q30/0204B60W40/09G06F11/3013G06F11/3089G06F21/6245G06N5/04G06Q30/0201G06Q30/0202G06Q30/0203G06Q30/0251G06Q30/0631G06Q30/08G07C5/06G07C5/08G07C5/12

Abstract

Claims (92)

1. A computer-implemented method for data management, the computer-implemented method comprising:

collecting a plurality of personal data sets associated with a plurality of vehicle operators continually;

collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules; and

for each vehicle operator of the plurality of vehicle operators:

generating and continually updating an operator profile including a personal data set associated with the vehicle operator from the plurality of personal data sets;

determining and continually updating one or more telematics inferences based at least in part upon a sensor data set associated with the vehicle operator from the plurality of sensor data sets;

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

receiving one or more access policies associated with the data profile from one or more marketplace suppliers; and

listing and continually updating the data profile onto a telematics marketplace of marketplace participants that includes marketplace consumers and the one or more marketplace suppliers according to the one or more access policies such that only the marketplace consumers having one or more consumer classifications satisfying the one or more access policies can access the data profile,

wherein, the one or more access policies include:

allowing full access to the data profile upon determining a target market of a marketplace consumer of the marketplace consumers is not on a list of precluded markets,

allowing the full access to the data profile upon determining a target industry of the marketplace consumer is not on a list of precluded industries, or

allowing the full access to the data profile upon determining a target use of the marketplace consumer is not on a list of precluded uses,

wherein at least one of the allowing the full access to the data profile includes:

allowing access to one or more primary telematics inferences and one or more secondary telematics inferences,

wherein the one or more primary telematics inferences include:

an overall score, profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs score, a predicted retention score, or a payment reliability score, and

wherein the one or more secondary telematics inferences include:

a market-specific profitability score, a market-specific reliability score, a market-specific financial stability score, a market-specific financial reliability score, a market-specific demographic score, a market-specific mobility score, a market-specific predicted risk score, a market-specific predicted costs score, a market-specific predicted retention score, a market-specific payment reliability score, an industry-specific profitability score, an industry-specific reliability score, an industry-specific financial stability score, an industry-specific financial reliability score, an industry-specific demographic score, an industry-specific mobility score, an industry-specific predicted risk score, an industry-specific predicted costs score, an industry-specific predicted retention score, an industry-specific payment reliability score, a use-specific profitability score, a use-specific reliability score, a use-specific financial stability score, a use-specific financial reliability score, a use-specific demographic score, a use-specific mobility score, a use-specific predicted risk score, a use-specific predicted costs score, a use-specific predicted retention score, or a use-specific payment reliability score.

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

receiving, from the marketplace consumer having the one or more consumer classifications satisfying the one or more access policies, an information request for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators, wherein the listed data profiles of the plurality of vehicle operators include the data profile, as listed and continually updated, for each of the vehicle operators; and

transmitting the target data profile to the marketplace consumer.

3. The computer-implemented method of claim 1 , wherein, the one or more consumer classifications include the target industry, the target market, or the target use.

4. The computer-implemented method of claim 1 , wherein, the one or more access policies include:

allowing partial access to the data profile upon determining the target market of the marketplace consumer is on the list of precluded markets;

allowing the partial access to the data profile upon determining the target industry of the marketplace consumer is on the list of precluded industries; or

allowing the partial access to the data profile upon determining the target use of the marketplace consumer is on the list of precluded uses.

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

the determining and continually updating the one or more telematics inferences includes determining and continually updating the one or more primary telematics inferences and the one or more secondary telematics inferences; and

each of the allowing the partial access to the data profile includes allowing access to the one or more primary telematics inferences and not the one or more secondary telematics inferences.

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

the one or more sensing modules include a common module used by a plurality of mobile applications;

the common module is a software module or a common hardware module; and

each vehicle operator uses at least one mobile application of the plurality of mobile applications.

7. A computing system for data management, the computing system comprising:

one or more processors; and

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

collecting a plurality of personal data sets associated with a plurality of vehicle operators continually;

collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules; and

for each vehicle operator of the plurality of vehicle operators:

generating and continually updating an operator profile including a personal data set associated with the vehicle operator from the plurality of personal data sets;

determining and continually updating one or more telematics inferences based at least in part upon a sensor data set associated with the vehicle operator from the plurality of sensor data sets;

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

receiving one or more access policies associated with the data profile from one or more marketplace suppliers; and

listing and continually updating the data profile onto a telematics marketplace of marketplace participants that includes marketplace consumers and the one or more marketplace suppliers according to the one or more access policies such that only the marketplace consumers having one or more consumer classifications satisfying the one or more access policies can access the data profile,

wherein, the one or more access policies include:

allowing full access to the data profile upon determining a target market of a marketplace consumer of the marketplace consumers is not on a list of precluded markets,

allowing the full access to the data profile upon determining a target industry of the marketplace consumer is not on a list of precluded industries, or

allowing the full access to the data profile upon determining a target use of the marketplace consumer is not on a list of precluded uses,

wherein at least one of the allowing the full access to the data profile includes:

allowing access to one or more primary telematics inferences and one or more secondary telematics inferences,

wherein the one or more primary telematics inferences include:

an overall score, profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs score, a predicted retention score, or a payment reliability score, and

wherein the one or more secondary telematics inferences include:

a market-specific profitability score, a market-specific reliability score, a market-specific financial stability score, a market-specific financial reliability score, a market-specific demographic score, a market-specific mobility score, a market-specific predicted risk score, a market-specific predicted costs score, a market-specific predicted retention score, a market-specific payment reliability score, an industry-specific profitability score, an industry-specific reliability score, an industry-specific financial stability score, an industry-specific financial reliability score, an industry-specific demographic score, an industry-specific mobility score, an industry-specific predicted risk score, an industry-specific predicted costs score, an industry-specific predicted retention score, an industry-specific payment reliability score, a use-specific profitability score, a use-specific reliability score, a use-specific financial stability score, a use-specific financial reliability score, a use-specific demographic score, a use-specific mobility score, a use-specific predicted risk score, a use-specific predicted costs score, a use-specific predicted retention score, or a use-specific payment reliability score.

8. The computer system of claim 7 , the memory, upon execution by the one or more processors, further cause the computing system to perform one or more processes including:

receiving, from the marketplace consumer having the one or more consumer classifications satisfying the one or more access policies, an information request for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators, wherein the listed data profiles of the plurality of vehicle operators include the data profile, as listed and continually updated, for each of the vehicle operators; and

transmitting the target data profile to the marketplace consumer.

9. The computer system of claim 7 , wherein, the one or more consumer classifications include the target industry, the target market, or the target use.

10. The computer system of claim 7 , wherein, the one or more access policies include:

allowing partial access to the data profile upon determining the target market of the marketplace consumer is on the list of precluded markets;

allowing the partial access to the data profile upon determining the target industry of the marketplace consumer is on the list of precluded industries; or

allowing the partial access to the data profile upon determining the target use of the marketplace consumer is on the list of precluded uses.

11. The computer system of claim 10 , wherein:

the determining and continually updating the one or more telematics inferences includes determining and continually updating the one or more primary telematics inferences and the one or more secondary telematics inferences; and

each of the allowing the partial access to the data profile includes allowing access to the one or more primary telematics inferences and not the one or more secondary telematics inferences.

12. The computer system of claim 7 , wherein:

the one or more sensing modules include a common module used by a plurality of mobile applications;

the common module is a software module or a common hardware module; and

each vehicle operator uses at least one mobile application of the plurality of mobile applications.

13. A non-transitory computer-readable medium storing instructions for data management, 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 personal data sets associated with a plurality of vehicle operators continually;

collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules; and

for each vehicle operator of the plurality of vehicle operators:

generating and continually updating an operator profile including a personal data set associated with the vehicle operator from the plurality of personal data sets;

determining and continually updating one or more telematics inferences based at least in part upon a sensor data set associated with the vehicle operator from the plurality of sensor data sets;

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

receiving one or more access policies associated with the data profile from one or more marketplace suppliers; and

listing and continually updating the data profile onto a telematics marketplace of marketplace participants that includes marketplace consumers and the one or more marketplace suppliers according to the one or more access policies such that only the marketplace consumers having one or more consumer classifications satisfying the one or more access policies can access the data profile,

wherein, the one or more access policies include:

allowing full access to data profile upon determining a target market of a marketplace consumer of the marketplace consumers is not on a list of precluded markets,

allowing the full access to data profile upon determining a target industry of a marketplace participant is not on a list of precluded industries, or

allowing the full access to data profile upon determining a target use of a marketplace participant is not on a list of precluded uses,

wherein at least one of the allowing the full access to data profile includes:

allowing access to one or more primary telematics inferences and one or more secondary telematics inferences,

wherein the one or more primary telematics inferences include:

an overall score, profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs score, a predicted retention score, or a payment reliability score, and

wherein the one or more secondary telematics inferences include:

a market-specific profitability score, a market-specific reliability score, a market-specific financial stability score, a market-specific financial reliability score, a market-specific demographic score, a market-specific mobility score, a market-specific predicted risk score, a market-specific predicted costs score, a market-specific predicted retention score, a market-specific payment reliability score, an industry-specific profitability score, an industry-specific reliability score, an industry-specific financial stability score, an industry-specific financial reliability score, an industry-specific demographic score, an industry-specific mobility score, an industry-specific predicted risk score, an industry-specific predicted costs score, an industry-specific predicted retention score, an industry-specific payment reliability score, a use-specific profitability score, a use-specific reliability score, a use-specific financial stability score, a use-specific financial reliability score, a use-specific demographic score, a use-specific mobility score, a use-specific predicted risk score, a use-specific predicted costs score, a use-specific predicted retention score, or a use-specific payment reliability score.

14. The non-transitory computer-readable medium of claim 13 , the instructions upon execution by the one or more processors of a computing system, further cause the computing system to perform one or more processes including:

receiving, from the marketplace consumer having the one or more consumer classifications satisfying the one or more access policies, an information request for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators wherein the listed data profiles of the plurality of vehicle operators include the data profile, as listed and continually updated, for each of the vehicle operators; and

transmitting the target data profile to the marketplace consumer.

Assignments (2)

Continuity (3)

References Cited (181)