Granted Patent B2

US 11,875,366 · App. 17/203,412 · Granted Jan 16, 2024

Inventors: Leo Nelson Chan (Normal, IL); Jacob J. Alt (Downs, IL); Matthew S. Megyese (Bloomington, IL); Steven C. Cielocha (Bloomington, IL); Kristopher Keith Gaudin (Bloomington, IL); Brian Mark Fields (Phoenix, AZ)

Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

G06Q30/0201G06F16/9535G06Q10/1053G06Q30/0207G06Q30/0255G06Q30/0269G06Q30/0631G06Q40/02G06Q40/03G06Q40/08G07C5/008G07C5/08

Abstract

Claims (72)

1. A computer-implemented method comprising:

receiving telematics data that was collected during one or more time periods by one or both of (i) one or more electronic subsystems located on or in a vehicle and (ii) a mobile electronic device of a driver or a passenger in the vehicle, wherein receiving the telematics data includes receiving operational data indicative of how the driver of the vehicle operated the vehicle during the one or more time periods;

analyzing, by one or more processors, the received telematics data to identify driving behaviors of the driver during the one or more time periods;

receiving alert responsiveness data indicating how responsive the driver is to one or more types of vehicle alerts;

generating or modifying, by the one or more processors, a driver profile associated with the driver, the driver profile including driving behavior profile information based upon the one or more driving behaviors and alert responsiveness profile information based upon the alert responsiveness data;

identifying, by one or more processors and based at least upon the generated or modified driver profile, a suggested vehicle type, wherein identifying the suggested vehicle type includes determining that the generated or modified driver profile meets a set of one or more matching criteria associated with the suggested vehicle type at least in part by

determining that the driving behavior profile information meets one or more criteria indicative of capability of the suggested vehicle type, and

determining that the alert responsiveness profile information meets one or more criteria indicative of reliability of the suggested vehicle type; and

causing, by the one or more processors, an indication of the suggested vehicle type to be displayed to a user.

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

analyzing the received telematics data to identify the driving behaviors of the driver during the one or more time periods includes identifying one or more of (i) acceleration patterns of the driver, (ii) braking patterns of the driver, or (iii) cornering patterns of the driver; and

generating or modifying the driver profile based at least upon the driving behaviors includes causing the driver profile to indicate one or more of (i) an acceleration preference of the driver, (ii) a braking preference of the driver, or (iii) a cornering preference of the driver.

3. The computer-implemented method of claim 2 , wherein:

determining that the generated or modified driver profile meets the set of one or more matching criteria includes determining one or more of (i) that the acceleration preference of the driver meets a first criterion of the set of matching criteria, (ii) that the braking preference of the driver meets a second criterion of the set of matching criteria, or (iii) that the cornering preference of the driver meets a third criterion of the set of matching criteria.

4. The computer-implemented method of claim 2 , wherein:

receiving the telematics data further includes receiving data indicative of how often the driver used one or more features of the vehicle during the one or more time periods, the one or more features not including features for controlling any of acceleration, braking or steering of the vehicle.

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

generating or modifying the driver profile associated with the driver includes causing the driver profile to indicate one or more preferred features; and

determining that the generated or modified driver profile meets a set of one or more matching criteria associated with the suggested vehicle type includes determining that the suggested vehicle type provides the one or more preferred features.

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

receiving the telematics data further includes receiving sensor data indicative of an environment external to the vehicle during the one or more time periods;

analyzing the received telematics data includes analyzing the sensor data to identify a plurality of distances, during the one or more time periods, between the vehicle and other vehicles; and

generating or modifying the driver profile is further based upon the plurality of distances.

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

receiving the telematics data further includes receiving sensor data indicative of an environment external to the vehicle during the one or more time periods;

analyzing the received telematics data includes analyzing the sensor data to identify weather conditions during the one or more time periods; and

generating or modifying the driver profile is further based upon the weather conditions.

8. The computer-implemented method of claim 1 , wherein identifying the suggested vehicle type includes identifying a specific vehicle make.

9. The computer-implemented method of claim 1 , wherein identifying the suggested vehicle type includes identifying a specific vehicle model.

10. The computer-implemented method of claim 1 , wherein identifying the suggested vehicle type includes:

causing the generated or modified driver profile to be transmitted to a third party; and

receiving the indication of the suggested vehicle type from the third party.

11. The computer-implemented method of claim 1 , wherein causing the indication of the suggested vehicle type to be displayed to the user includes transmitting, via a computer network, the indication of the suggested vehicle type to a computing device of the user.

12. A computer system comprising:

one or more processors; and

a memory storing instructions that, when executed by the one or more processors, cause the computer system to

receive telematics data that was collected during one or more time periods by one or both of (i) one or more electronic subsystems located on or in a vehicle and (ii) a mobile electronic device of a driver or a passenger in the vehicle, the telematics data including operational data indicative of how the driver of the vehicle operated the vehicle during the one or more time periods,

analyze the received telematics data to identify driving behaviors of the driver during the one or more time periods,

receive alert responsiveness data indicating how responsive the driver is to one or more types of vehicle alerts,

generate or modify a driver profile associated with the driver, the driver profile including driving behavior profile information based upon the one or more driving behaviors and alert responsiveness profile information based upon the alert responsiveness data,

identify, based at least upon the generated or modified driver profile, a suggested vehicle type, at least by determining that the generated or modified driver profile meets a set of one or more matching criteria associated with the suggested vehicle type at least in part by

determining that the driving behavior profile information meets one or more criteria indicative of capability of the suggested vehicle type, and

determining that the alert responsiveness profile information meets one or more criteria indicative of reliability of the suggested vehicle type, and

cause an indication of the suggested vehicle type to be displayed to a user.

13. The computer system of claim 12 , wherein:

the driving behaviors of the driver during the one or more time periods includes one or more of (i) acceleration patterns of the driver, (ii) braking patterns of the driver, or (iii) cornering patterns of the driver; and

the instructions cause the computer system to generate or modify the driver profile based at least upon the driving behaviors at least by causing the driver profile to indicate one or more of (i) an acceleration preference of the driver, (ii) a braking preference of the driver, or (iii) a cornering preference of the driver.

14. The computer system of claim 13 , wherein the telematics data further includes data indicative of how often the driver used one or more features of the vehicle during the one or more time periods, and wherein the one or more features do not include features for controlling any of acceleration, braking or steering of the vehicle.

15. The computer system of claim 14 , wherein the instructions cause the computer system to:

generate or modify the driver profile associated with the driver at least by causing the driver profile to indicate one or more preferred features; and

determine that the generated or modified driver profile meets the set of one or more matching criteria associated with the suggested vehicle type at least by determining that the suggested vehicle type provides the one or more preferred features.

16. The computer system of claim 12 , wherein:

the telematics data further includes sensor data indicative of an environment external to the vehicle during the one or more time periods;

the instructions cause the computing system to analyze the received telematics data at least by analyzing the sensor data to identify a plurality of distances, during the one or more time periods, between the vehicle and other vehicles; and

the instructions cause the computing system to generate or modify the driver profile further based upon the plurality of distances.

17. The computer system of claim 12 , wherein:

the telematics data further includes sensor data indicative of an environment external to the vehicle during the one or more time periods;

the instructions cause the computing system to analyze the received telematics data at least by analyzing the sensor data to identify weather conditions during the one or more time periods; and

the instructions cause the computing system to generate or modify the driver profile further based upon the weather conditions.

18. A non-transitory, computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:

receive telematics data that was collected during one or more time periods by one or both of (i) one or more electronic subsystems located on or in a vehicle and (ii) a mobile electronic device of a driver or a passenger in the vehicle, the telematics data including operational data indicative of how the driver of the vehicle operated the vehicle during the one or more time periods;

analyze the received telematics data to identify driving behaviors of the driver during the one or more time periods;

receive alert responsiveness data indicating how responsive the driver is to one or more types of vehicle alerts;

generate or modify a driver profile associated with the driver, the driver profile including driving behavior profile information based upon the one or more driving behaviors and alert responsiveness profile information based upon the alert responsiveness data;

identify, based at least upon the generated or modified driver profile, a suggested vehicle type, at least by determining that the generated or modified driver profile meets a set of one or more matching criteria associated with the suggested vehicle type at least in part by

determining that the driving behavior profile information meets one or more criteria indicative of capability of the suggested vehicle type, and

determining that the alert responsiveness profile information meets one or more criteria indicative of reliability of the suggested vehicle type; and

cause an indication of the suggested vehicle type to be displayed to a user.

19. The non-transitory, computer-readable medium of claim 18 , wherein:

the driving behaviors of the driver during the one or more time periods includes one or more of (i) acceleration patterns of the driver, (ii) braking patterns of the driver, or (iii) cornering patterns of the driver; and

the instructions cause the one or more processors to generate or modify the driver profile based at least upon the driving behaviors at least by causing the driver profile to indicate one or more of (i) an acceleration preference of the driver, (ii) a braking preference of the driver, or (iii) a cornering preference of the driver.

20. The non-transitory, computer-readable medium of claim 19 , wherein the telematics data further includes data indicative of how often the driver used one or more features of the vehicle during the one or more time periods, and wherein the one or more features do not include features for controlling any of acceleration, braking or steering of the vehicle.

Assignments (1)

Continuity (14)