IP Library Granted Patent US 12,524,040
Granted Patent B2
US 12,524,040 · App. 18/236,832 · Granted Jan 13, 2026

System and method for assessing device usage

Inventors: Jonathan A. Matus (San Francisco, CA); Pankaj Risbood (San Francisco, CA)
Assignee: Credit Karma, LLC
G06F1/1626B60W40/09B60W40/107G06F3/011G06F3/017G06F3/0482G06F3/04883G06F17/18G06F18/24G06Q40/08G06V10/764G06V20/597B60W2520/105
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Quick Facts
Patent No.
US 12,524,040
App. No.
18/236,832
Granted
Jan 13, 2026
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 (36)

1 . A method for assessing usage of a user device by a driver while driving a vehicle, the method comprising:

collecting a dataset from the user device;

based on the dataset, determining a state of a set of states of the user device, wherein the set of states comprises:

a stationary state of the user device relative to the vehicles, and

a non-stationary state of the user device relative to the vehicle;

based on the state being the non-stationary state, determining a classification of a set of classifications of the user device, wherein the set of classifications comprises one or more classifications related to whether the driver is engaged in a phone call;

based on the classification, determining a handling score associated with the user device in the non-stationary state, the handling score indicating a type of handling of the user device among a plurality of types of handling of the user device;

determining a risk score for the driver based on the handling score; and

producing an output based on the risk score.

2 . The method of claim 1 , wherein the set of classifications comprises a reading classification.

3 . The method of claim 1 , wherein the handling score is determined based on at least a first classification corresponding to the driver being engaged in the phone call and at least a second classification corresponding to the driver interacting with the user device in a way different than being engaged in the phone call.

4 . The method of claim 3 , wherein the second classification comprises a reading classification.

5 . The method of claim 1 , further comprising determining a screen tapping score associated with the driver interacting with a screen of the user device in the stationary state, wherein the screen tapping score is determined separately from the handling score, and wherein the risk score is further determined based on the screen tapping score.

6 . The method of claim 5 , wherein the screen tapping score is further associated with the driver interacting with the screen of the user device while the user device is arranged in a mount.

7 . The method of claim 5 , wherein determining the screen tapping score comprises detecting a set of taps on the screen, the set of taps detected based on motion information collected from at least one of the following sensors arranged onboard the user device: an accelerometer, a gyroscope, and an orientation sensor.

8 . The method of claim 7 , wherein the screen is a touch-sensitive surface.

9 . The method of claim 7 , wherein determining the screen tapping score further comprises eliminating a subset of the detected taps from further processing in response to determining that each of the subset is associated with a speed of the user device below a predetermined threshold.

10 . The method of claim 9 , wherein determining the screen tapping score further comprises eliminating a second subset of the detected taps from further processing in response to determining that each of the second subset is associated with processing activity of the user device below a second predetermined threshold.

11 . A system for assessing usage of a user device by a driver while driving a vehicle, the system comprising:

a set of processors in communication with an application executing on the user device, the set of processors configured to:

collect a dataset from the user device;

based on the dataset, determine a state of a set of states of the user device, wherein the set of states comprises:

a stationary state of the user device relative to the vehicle,

a non-stationary state of the user device relative to the vehicle;

based on the state being the non-stationary state, determine a classification of a set of classifications of the user device, wherein the set of classifications comprises one or more classifications related to whether the driver is engaged in a phone call;

based on the classification, determine a handling score associated with the user device in the non-stationary state, the handling score indicating a type of handling of the user device among a plurality of types of handling of the user device; determine a risk score for the driver based on the handling score; and

produce an output based on the risk score.

12 . The system of claim 11 , wherein the set of classifications comprises a reading classification.

13 . The system of claim 11 , wherein the handling score is determined based on at least a first classification corresponding to the driver being engaged in the phone call and at least a second classification corresponding to the driver interacting with the user device in a way different than being engaged in the phone call.

14 . The system of claim 13 , wherein the second classification comprises a reading classification.

15 . The system of claim 11 , wherein the set of processors is further configured to determine a screen tapping score associated with the driver interacting with a screen of the user device in the stationary state, wherein the screen tapping score is determined separately from the handling score, and wherein the risk score is further determined based on the screen tapping score.

16 . The system of claim 15 , wherein the screen tapping score is further associated with the driver interacting with the screen of the user device while the user device is arranged in a mount.

17 . The system of claim 15 , wherein to determine the screen tapping score, the set of processors is further configured to detect a set of taps on the screen, the set of taps detected based on motion information collected from at least one of the following sensors arranged onboard the user device: an accelerometer, a gyroscope, and an orientation sensor.

18 . The system of claim 17 , wherein the screen is a touch-sensitive surface.

19 . The system of claim 17 , wherein to determine the screen tapping score, the set of processors is further configured to eliminate a subset of the detected taps from further processing in response to determining that each of the subset is associated with a speed of the user device below a predetermined threshold.

20 . The system of claim 17 , wherein to determine the screen tapping score, the set of processors is further configured to eliminate a subset of the detected taps from further processing in response to determining that each of the subset is associated with processing activity of the user device below a predetermined threshold.

Assignments (3)
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 Sep 15, 2023
From: MATUS, JONATHAN A.; RISBOOD, PANKAJ
To: ZENDRIVE, INC.
Reel/Frame 064927/0716 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 22, 2023
From: MATUS, JONATHAN A.; RISBOOD, PANKAJ
To: ZENDRIVE, INC.
Reel/Frame 064669/0453 →
Continuity (2)
Continuation 16700991 · Dec 2, 2019
Related Publication 20230393619A1 · Dec 7, 2023
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