Granted Patent B2

US 12,406,277 · App. 18/627,290 · Granted Sep 2, 2025

Inventors: Christopher T. Scholl (Manchester, MO); David Vorhies (Saint Charles, MO); Regan E. Harmon (O'Fallon, MO); Shawn Mehrhoff (Saint Ann, MO)

Assignee: MASTERCARD INTERNATIONAL INCORPORATED

G06Q30/0207B60W40/09G06F11/3438G06Q40/08G06Q50/40G06V20/597G06V40/1365G07C5/008

Abstract

Claims (50)

1. A driver monitoring (DM) computing device for monitoring driving behavior, the DM computing device comprising a processor in communication with a memory and a vehicle, the processor configured to:

store, in a database, baseline biometric information for a plurality of registered drivers;

collect biometric data generated by one or more biometric sensors of the vehicle;

compare the collected biometric data to the baseline biometric information to identify a first driver of the plurality of registered drivers that is present in a vehicle;

continually collect vehicle operation data of the vehicle while the first driver is in the vehicle;

continually store the collected vehicle operation data in association with the first driver in the database;

continually generate, by inputting the collected vehicle operation data stored in association with the first driver into an artificial intelligence model, at least one real-time driver assessment value, the artificial intelligence model trained based on historical vehicle operation data and one or more sample driver assessment values;

continually update the at least one real-time driver assessment value by inputting further vehicle operation data into the artificial intelligence model as the further vehicle operation data of the vehicle is stored in association with the first driver;

continually compare the updated at least one real-time driver assessment value to determine the first driver currently qualifies for a driving credential;

to when the first driver currently qualifies for the first driving credential, enable a digital document to be presented within a virtual wallet application executed by a user device associated with the first driver, the digital document associated with the driving credential; and

when the first driver does not currently qualify for the first driving credential, disable the digital document from being presented within the virtual wallet application.

2. The DM computing device of claim 1 , wherein the processor is further configured to generate, by applying the artificial intelligence model to the collected vehicle operation data stored in association with the first driver, at least one recommendation for improving driving skills.

3. The DM computing device of claim 2 , wherein the processor is further configured to cause the user device associated with the first driver to display the at least one recommendation.

4. The DM computing device of claim 1 , wherein the processor is further configured to determine a cost associated with obtaining the driving credential based on the at least one driver assessment value.

5. The DM computing device of claim 1 , wherein the biometric data is generated by one or more of a face identification camera or a fingerprint reader installed in the vehicle.

6. The DM computing device of claim 1 , wherein the vehicle operation data is generated by one or more of a speedometer, exterior radar, exterior cameras, interior cameras, or turn signals of the vehicle.

7. A computer-implemented method for monitoring driving behavior, the computer-implemented method performed by a driver monitoring (DM) computing device including a processor in communication with a memory and a vehicle, the computer-implemented method comprising:

storing, in a database, baseline biometric information for a plurality of registered drivers;

collecting biometric data generated by one or more biometric sensors of the vehicle;

comparing the collected biometric data to the baseline biometric information to identify a first driver of the plurality of registered drivers that is present in a vehicle;

continually collecting vehicle operation data of the vehicle while the first driver is in the vehicle;

continually storing the collected vehicle operation data in association with the first driver in the database;

continually generating, inputting the collected vehicle operation data stored in association with the first driver into an artificial intelligence model, at least one real-time driver assessment value, the artificial intelligence model trained based on historical vehicle operation data and one or more sample driver assessment values;

continually updating the at least one real-time driver assessment value by inputting further vehicle operation data into the artificial intelligence model as the further vehicle operation data of the vehicle is stored in association with the first driver;

continually comparing the updated at least one real-time driver assessment value to determine the first driver currently qualifies for a driving credential;

when the first driver currently qualifies for the first driving credential, enabling a digital document to be presented within a virtual wallet application executed by a user device associated with the first driver, the digital document associated with the driving credential; and

when the first driver does not currently qualify for the first driving credential, disabling the digital document from being presented within the virtual wallet application.

8. The computer-implemented method of claim 7 , further comprising generating, by applying the artificial intelligence model to the collected vehicle operation data stored in association with the first driver, at least one recommendation for improving driving skills.

9. The computer-implemented method of claim 8 , further comprising causing the user device associated with the first driver to display the at least one recommendation.

10. The computer-implemented method of claim 7 , further comprising determining a cost associated with obtaining the driving credential based on the at least one driver assessment value.

11. The computer-implemented method of claim 7 , wherein the biometric data is generated by one or more of a face identification camera or a fingerprint reader installed in the vehicle.

12. The computer-implemented method of claim 7 , wherein the vehicle operation data is generated by one or more of a speedometer, exterior radar, exterior cameras, interior cameras, or turn signals of the vehicle.

13. At least one non-transitory computer-readable media having computer-executable instructions embodied thereon, wherein when executed by a driver monitoring (DM) computing device including at least one processor in communication with a memory and a vehicle, the computer-executable instructions cause the at least one processor to:

store, in a database, baseline biometric information for a plurality of registered drivers;

collect biometric data generated by one or more biometric sensors of the vehicle;

compare the collected biometric data to the baseline biometric information to identify a first driver of the plurality of registered drivers that is present in a vehicle;

continually collect vehicle operation data of the vehicle while the first driver is in the vehicle;

continually store the collected vehicle operation data in association with the first driver in the database;

continually generate, by inputting the collected vehicle operation data stored in association with the first driver into an artificial intelligence model, at least one real-time driver assessment value, the artificial intelligence model trained based on historical vehicle operation data and one or more sample driver assessment values;

continually updating the at least one real-time driver assessment value by inputting further vehicle operation data into the artificial intelligence model as the further vehicle operation data of the vehicle is stored in association with the first driver;

continually compare the updated at least one real-time driver assessment value to determine the first driver currently qualifies for a driving credential;

when the first driver currently qualifies for the first driving credential, enable a digital document to be presented within a virtual wallet application executed by a user device associated with the first driver, the digital document associated with the driving credential; and

when the first driver does not currently qualify for the first driving credential, disable the digital document from being presented within the virtual wallet application.

14. The at least one non-transitory computer-readable media of claim 13 , wherein the computer-executable instructions further cause the at least one processor to generate, by applying the artificial intelligence model to the collected vehicle operation data stored in association with the first driver, at least one recommendation for improving driving skills.

15. The at least one non-transitory computer-readable media of claim 14 , wherein the computer-executable instructions further cause the at least one processor to cause the user device associated with the first driver to display the at least one recommendation.

16. The at least one non-transitory computer-readable media of claim 13 , wherein the computer-executable instructions further cause the at least one processor to determine a cost associated with obtaining the driving credential based on the at least one driver assessment value.

17. The at least one non-transitory computer-readable media of claim 13 , wherein the biometric data is generated by one or more of a face identification camera or a fingerprint reader installed in the vehicle.

18. The DM computing device of claim 1 , wherein the processor is further configured to train the artificial intelligence model using the historical vehicle operation data and the one or more sample driver assessment values.

19. The DM computing device of claim 18 , wherein the historical vehicle operation data and the one or more sample driver assessment values are organized as pairs of correlated data, each of the pairs of correlated data including (i) a set of historical vehicle operation data and (ii) a sample driver assessment value.

20. The DM computing device of claim 18 , wherein the processor is further configured to update the artificial intelligence model based on the collected vehicle operation data.

Assignments (1)

Continuity (2)

References Cited (86)

Cited By (1)

US 12,738,173