Granted Patent B2

US 12,365,308 · App. 18/123,786 · Granted Jul 22, 2025

Inventors: Thomas Michael Potter (Normal, IL); Douglas Albert Graff (Bloomington, IL); Mark E. Clauss (Bloomington, IL); Dustin Ryan Carter (Normal, IL); Megan Michal Baumann (Bloomington, IL); Atlanta Bonnom (Denver, CO); Craig Cope (Bloomington, IL); Jennifer Luella Lawyer (Bloomington, IL); Curtis Simpson (Carlock, IL); Nathan W. Baumann (Bloomington, IL)

Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

B60R25/04B60R25/102B60W40/08B60W40/09G06Q40/08G08B21/02G08B25/00B60W2030/082

Abstract

Claims (44)

1. A computer-implemented method of analyzing telematics data, the computer-implemented method comprising:

generating, by a mobile device located inside a driver's vehicle, telematics data associated with operation of the driver's vehicle;

transmitting, from the mobile device to one or more processors via wireless communication, the telematics data in real-time;

analyzing, by the one or more processors, the telematics data to determine a driving score for a driver including: (i) determining the driver's driving habits including determining distances between the driver's vehicle and a vehicle in front of the driver's vehicle, or an amount of time the driver's vehicle is driven, and (ii) determining driver's role in the driver's vehicle including determining if the driver is in control of the driver's vehicle;

determining, by the one or more processors, a discount based at least upon the driving score;

generating, by the one or more processors, a communication based upon the discount; and

transmitting, by the one or more processors, the communication.

2. The computer-implemented method of claim 1 , wherein determining the driving score includes:

determining, by the one or more processors, driver's actions.

3. The computer-implemented method of claim 2 , wherein determining, by the one or more processors, the driver's actions includes determining whether the driver handles phone calls by using a hand-free communication system.

4. The computer-implemented method of claim 1 , further comprising determining a vehicle accident by monitoring, by the one or more processors, one or more of a GPS, an accelerometer, a gyroscope, and/or one or more sensors that determine a potential collision.

5. The computer-implemented method of claim 4 , wherein determining, by the one or more processors, the vehicle accident further includes determining whether the driver is at fault for the vehicle accident based upon the monitoring.

6. The computer-implemented method of any of claims 4-5 , wherein the discount is decreased based upon (i) the driver's actions exceeding a threshold, and (ii) the driver's driving habits exceeding a threshold, and (iii) an outcome of the vehicle accident.

7. The computer-implemented method of claim 4 , further comprising:

generating, by the one or more processors, a notification indicating the vehicle accident; and

automatically transmitting, by the one or more processors, the notification, upon driver approval, to emergency services to request a third-party emergency service.

8. The computer-implemented method of claim 1 , wherein the driving score is reset when a vehicle driving policy is renewed.

9. A system for determining a driver's behavior when operating a vehicle, the system comprising:

a mobile device located inside a driver's vehicle, wherein the mobile device is configured to generate telematics data associated with operation of the driver's vehicle;

one or more processors; and

one or more non-transitory memories storing instructions that, when executed by the one or more processors, cause the one or more processors to:

receive the telematics data from the mobile device in real-time;

analyze the telematics data to determine a driving score for a driver including determining the driver's driving habits including: (i) determining distances between the driver's vehicle and a vehicle in front of the driver's vehicle, or an amount of time the vehicle is driven, and (ii) determining driver's role in the driver's vehicle including determining if the driver is in control of the driver's vehicle;

determine, based at least upon the driving score, whether to apply a discount;

generate a communication based upon the discount; and

transmit the communication.

10. The system of claim 9 , wherein the instructions, when executed by the one or more processors, cause the one or more processors to determine the driving score by:

determining the driving score based upon driver's actions.

11. The system of claim 10 , wherein the driver's actions comprise the driver handling phone calls by using a hands-free communication system.

12. The system of claim 9 , wherein the instructions, when executed by the one or more processors, cause the one or more processors to determine the driver's driving habits by determining (i) distances between the driver's vehicle and a vehicle in front of the driver's vehicle, and (ii) an amount of time the driver's vehicle is driven.

13. The system of claim 12 , wherein the instructions, when executed by the one or more processors, cause the one or more processors to determine a vehicle accident by:

monitoring one or more of a GPS, an accelerometer, and/or a gyroscope.

14. The system of claim 13 , wherein the instructions, when executed by the one or more processors, cause the one or more processors to determine whether the driver is at fault for the vehicle accident based upon the monitoring.

15. The system of any of claims 13-14 , wherein the discount is decreased based upon (i) the driver's actions exceeding a threshold, and (ii) the driver's driving habits exceeding a threshold, and (iii) an outcome of the vehicle accident.

16. The system of claim 13 wherein the instructions, when executed by the one or more processors, further cause the one or more processors to:

generate a notification indicating the vehicle accident; and

automatically transmit the notification, upon driver approval, to emergency services to request a third-party emergency service.

17. A tangible, non-transitory computer-readable medium storing executable instructions for analyzing telematics data that, when executed by one or more processors of a computer system, cause the computer system to:

receive telematics data generated by a mobile device located in a driver's vehicle;

analyze the telematics data to determine a driving score for a driver including determining the driver's driving habits including: (i) determining distances between the driver's vehicle and a vehicle in front of the driver's vehicle, or an amount of time the vehicle is driven, and (ii) determining driver's role in the driver's vehicle including determining if the driver is in control of the driver's vehicle;

determine, based at least upon the driving score, whether to apply a discount;

generate a communication based upon the discount; and

transmit the communication.

18. The computer-implemented method of claim 1 , wherein determining, by the one or more processors, the driver's driving habits includes determining an amount of time the vehicle is driven.

Assignments (1)

Continuity (19)

References Cited (400)