IP Library › Granted Patent US 10,630,723

Granted Patent B1

US 10,630,723 · App. 15/367,737 · Granted Apr 21, 2020

Determining policy characteristics based on route similarity

Inventors: Bharat Prasad (San Antonio, TX); Vijay Jayapalan (San Antonio, TX); Michael Kyne (San Antonio, TX); Joel T. Camarano (San Antonio, TX); Charles Lee Oakes, III (Boerne, TX); Gunjan Vijayvergia (San Antonio, TX); Christine Marie Brown (Helotes, TX)

Assignee: United Services Automobile Association (USAA)

H04L63/20 H04L63/0227

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Quick Facts

Patent No.: US 10,630,723
App. No.: 15/367,737
Filed: Dec 2, 2016
Granted: Apr 21, 2020
Kind: B1
Examiner: LAKHIA, VIRAL S
Art Unit: 2431
USPC: 726/1

External Links

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Abstract

Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.

Claims (99)

1. A computer-implemented method performed by at least one processor, the method comprising:

based on data collected by one or more sensors during trips by one or more vehicles, determining, by the at least one processor, changes in movement of the one or more vehicles during the trips;

selecting at least one pair of trips that includes a first trip driven by a first vehicle and a second trip driven by a second vehicle;

determining a first sequence of movements by the first vehicle during the first trip based on changes in orientation, speed, and acceleration of the first vehicle during the first trip;

determining a second sequence of movements by the second vehicle during the second trip based on changes in orientation, speed, and acceleration of the second vehicle during the second trip;

comparing the first sequence of the changes in movement during the first trip in the selected pair and the second sequence of the changes in movement during the second trip in the selected pair;

determining, by the at least one processor and based on the comparing, a similarity metric for the at least one pair of the trips, the similarity metric indicating a measure of similarity between the first sequence of the changes in movement during the first trip and the second sequence of the changes in movement during the second trip;

based at least partly on the similarity metric, determining, by the at least one processor, at least one characteristic of at least one policy associated with the second vehicle, wherein the at least one characteristic of the policy includes one or more of: a deductible amount, a premium amount, or a price;

providing, by the at least one processor, the at least one characteristic of the at least one policy for presentation in a user interface on a computing device;

accessing, by the at least one processor, risk data describing a risk of the first trip;

determining, by the at least one processor, a risk of the second trip based on the risk of the first trip and the similarity metric for the first trip and the second trip; and

based at least partly on the similarity metric for the first trip and the second trip, determining, by the at least one processor, the at least one characteristic of the at least one policy associated with the second trip based at least partly on the risk of the second trip.

2. The method of claim 1 , wherein the risk data describes a history of incidents that occurred on a route corresponding to the first trip.

3. The method of claim 1 , further comprising:

accessing, by the at least one processor, static data describing one or more of a road characteristic, a terrain characteristic, or a neighborhood characteristic of a route corresponding to the second trip;

wherein the risk of the second trip is further based on the static data.

4. The method of claim 1 , wherein:

the first trip and the second trip have different starting locations;

the first trip and the second trip have different ending locations; or

the first trip and the second trip have different starting locations and different ending locations.

5. The method of claim 1 , wherein the one or more sensors include one or more of:

a sensor incorporated into the vehicle;

a sensor incorporated into at least one other vehicle;

a sensor included in a mobile computing device of a driver of the vehicle;

a sensor included in a mobile computing device of a driver of the at least one other vehicle; or

an external sensor in proximity to the vehicle during at least one of the trips.

6. The method of claim 1 , wherein the at least one policy includes one or more of:

a vehicle insurance policy for a vehicle on the second trip;

a life insurance policy for a driver of the vehicle; or

a health insurance policy for the driver of the vehicle.

7. The method of claim 1 , wherein:

the data further indicates one or more dynamic conditions present during the first trip and the second trip;

the one or more dynamic conditions include one or more of:

a weather condition;

a road condition;

a number other vehicles; or

a presence of a repair crew; and

the similarity metric is further based on a similarity between the one or more dynamic conditions present during the first trip and the second trip.

8. The method of claim 1 , further comprising:

receiving data indicating a proposed trip to be taken by one of the second vehicle, wherein the proposed trip has and ending location that is different from and ending location of the first trip and an ending location of the second trip;

identifying at least a first route for the proposed trip and a second route for the proposed trip;

determining a first similarity metric between the first route and the second trip, the first similarity metric indicating a similarity in a sequence of expected vehicle movements along the first route with the second sequence of movements during the second trip;

determining a second similarity metric between the second route and the second trip, the second similarity metric indicating a similarity in a sequence of expected vehicle movements along the second route with the second sequence of movements during the second trip;

selecting, based on the first similarity metric and the second similarity metric, the first route as a recommended route for the proposed trip; and

providing the recommended route for presentation on the computing device.

9. The method of claim 8 , wherein selecting the first route as the recommended route for the proposed trip comprises determining that the first similarity metric is greater than the second similarity metric.

10. A system comprising:

at least one processor; and

a memory communicatively coupled to the at least one processor, the memory storing instructions which, when executed, cause the at least one processor to perform operations comprising:

based on data collected by one or more sensors during trips by one or more vehicles, determining changes in movement of the one or more vehicles during the trips;

selecting at least one pair of trips that includes a first trip driven by a first vehicle and a second trip driven by a second vehicle;

determining a first sequence of movements by the first vehicle during the first trip based on changes in orientation, speed, and acceleration of the first vehicle during the first trip;

determining a second sequence of movements by the second vehicle during the second trip based on changes in orientation, speed, and acceleration of the second vehicle during the second trip;

comparing the first sequence of the changes in movement during the first trip in the selected pair and the second sequence of the changes in movement during the second trip in the selected pair;

providing the at least one characteristic of the at least one policy for presentation in a user interface on a computing device;

accessing, by the at least one processor, risk data describing a risk of the first trip;

determining, by the at least one processor, a risk of the second trip based on the risk of the first trip and the similarity metric for the first trip and the second trip; and

11. The system of claim 10 , wherein the risk data describes a history of incidents that occurred on a route corresponding to the first trip.

12. The system of claim 10 , the operations further comprising:

accessing static data describing one or more of a road characteristic, a terrain characteristic, or a neighborhood characteristic of a route corresponding to the second trip;