IP Library Granted Patent US 12,246,730
Granted Patent B2
US 12,246,730 · App. 18/537,274 · Granted Mar 11, 2025

Utilizing vehicle telematics to detect, evaluate, and respond to driving behaviors

Inventors: Christine L. Bischoff (La Grange, IL); David Maday (Buffalo Grove, IL)
Assignee: Allstate Insurance Company
B60W40/09G06Q30/0645G06Q40/08G07C5/008
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Quick Facts
Patent No.
US 12,246,730
App. No.
18/537,274
Granted
Mar 11, 2025
Kind
B2
Abstract

Aspects of the present disclosure relate to using vehicle telematics to detect, evaluate, and respond to driving behaviors observed during a trip in a vehicle. The vehicle telematics information may characterize the observed driving behaviors, the segments traveled in the vehicle, and type of use of the vehicle. A rate to charge a driver may be based on the observed driving behaviors and a range of rates associated with the driver. The rate may fluctuate across a series of observation periods based on the driving behaviors observed during those observation periods. The rate may be presented to the driver in real-time while the driver operates a vehicle during a trip. The rate to charge the driver may further be based on use of the vehicle for personal use, ride shares, or vehicle shares.

Claims (48)

1. A system comprising:

one or more processors; and

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

activate a sharing status associated with a vehicle;

determine a quantity of driving segments traveled during one or more periods of a driving session, at least one period being associated with the sharing status; and

send one or more communications, including the sharing status and the quantity of driving segments, to a dynamic pricing platform, causing the dynamic pricing platform to:

determine an amount to charge a driver of the vehicle responsive to informing the dynamic pricing platform; and

send, to at least a computing device associated with the driver, an indication of the amount.

2. The system of claim 1 , wherein activating the sharing status includes providing an input to switch from an initial status to the sharing status.

3. The system of claim 2 , wherein the initial status is a personal use status or a ride sharing status.

4. The system of claim 2 , wherein determining the amount to charge the driver includes determining a first rate associated with the initial status and a second rate associated with activating the sharing status.

5. The system of claim 4 , wherein determining the amount to charge the driver includes:

applying the first rate to one or more first driving segments associated with the initial status; and

applying a second rate to one or more second driving segments associated with the sharing status.

6. The system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to:

receive an input to initiate a driving session as a personal use driving session for the vehicle to switch from the sharing status to the personal use driving session, and

determine a second quantity of driving segments during the personal use driving session, the one or more communications includes the second quantity of driving segments associated with the personal use driving session.

7. The system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to: receive vehicle operation data characterizing operation of the vehicle during the driving session.

8. The system of claim 1 , wherein the computing device includes an in-vehicle display device.

9. The system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to receive vehicle operation data by communicating with an on-board vehicle system, the one or more communications including the vehicle operation data.

10. The system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to receive location data by communicating with a mobile device associated with the driver, the one or more communications including the location data.

11. The system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to receive vehicle operation data by communicating with a third-party application.

12. The system of claim 11 , wherein the third-party application is a ride or vehicle sharing application operating on at least one of an on-board vehicle system or a mobile device associated with the driver.

13. A computer-implemented method comprising:

activating, responsive to a first input at a computing device, a sharing status associated with a vehicle;

determining, by the computing device, a quantity of driving segments traveled during one or more periods of a driving session, at least one period being associated with the sharing status; and

sending, from the computing device, one or more communications, including the sharing status and the quantity of driving segments, to a dynamic pricing platform, causing the dynamic pricing platform to:

determine an amount to charge a driver of the vehicle responsive to informing the dynamic pricing platform; and

send, to at least a mobile device associated with the driver, an indication of the amount.

14. The computer-implemented method of claim 13 , wherein determining the amount to charge the driver includes:

determining a first rate corresponding to the at least one period associated with the sharing status; and

determining a second rate corresponding to at least one period associated with a personal use status.

15. The computer-implemented method of claim 13 , wherein the one or more periods are associated with a phase of a ride sharing status including at least one of an idle phase, a passenger acquisition phase, or an on route phase.

16. The computer-implemented method of claim 13 , further comprising:

receiving, for at least a second period of the one or more periods, an indication of an autonomous operation status of the vehicle; and

determining rate for at least the second period further based on the autonomous operation status, wherein the amount to charge the driver is determined further based on the rate.

17. A non-transitory computer-readable medium having instructions, which when executed by one or more processors, cause the one or more processors to:

activate, responsive to a first input, a ride sharing status associated with a vehicle;

determine a quantity of driving segments traveled during one or more periods of a driving session, at least one period being associated with the ride sharing status; and

send one or more communications, including the ride sharing status and the quantity of driving segments, to a dynamic pricing platform, causing the dynamic pricing platform to:

determine an amount to charge a driver of the vehicle responsive to informing the dynamic pricing platform; and

send, to at least a computing device associated with the driver, an indication of the amount.

18. The non-transitory computer-readable medium of claim 17 , wherein:

the one or more periods include a first period associated with a personal use status and a second period associated with the ride sharing status.

19. The non-transitory computer-readable medium of claim 17 , wherein:

the one or more periods include a first period associated with a personal use and a second period associated with a vehicle sharing status.

20. The non-transitory computer-readable medium of claim 17 , wherein:

the one or more periods include a first period associated with a personal use status and a second period associated with an autonomous operation status.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 10, 2024
From: BISCHOFF, CHRISTINE; MADAY, DAVID
To: ALLSTATE INSURANCE COMPANY
Reel/Frame 067377/0894 →
Continuity (4)
Continuation 17902099 · Sep 2, 2022
Continuation 17201727 · Mar 15, 2021
Continuation 16452181 · Jun 25, 2019
Related Publication 20240190444A1 · Jun 13, 2024
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