최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0764076 (2004-01-23) |
등록번호 | US-8090598 (2012-01-03) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 240 인용 특허 : 188 |
Means are provided for recording, storing, calculating, communicating and reviewing one or more operational aspects of a machine. Insurance costs are based, in part, on activities of the machine operator. A discount may be provided in exchange for recording the operational aspects and providing the
Means are provided for recording, storing, calculating, communicating and reviewing one or more operational aspects of a machine. Insurance costs are based, in part, on activities of the machine operator. A discount may be provided in exchange for recording the operational aspects and providing the recorded information to the insurer. The party may review information and decide whether to provide it to the insurer. The means for reviewing may present comparative information. Information that causes insurance costs to vary may be highlighted. Provided data may be used to verify insurance application information, generate actuarial information or determine insurance rates. Operating data may be reviewed on a computer, a Web site or other display medium so a party can observe how his operating behavior compares to that of other operators of similar machines and may be manipulated so a party can understand how changes in operating behavior can affect his insurance rates.
1. A risk management system comprising: a server receiver configured to wirelessly receive selected onboard vehicle data monitored by an in-vehicle data monitoring device within a vehicle;a network server system coupled to the server receiver that provides an interface having functionality configure
1. A risk management system comprising: a server receiver configured to wirelessly receive selected onboard vehicle data monitored by an in-vehicle data monitoring device within a vehicle;a network server system coupled to the server receiver that provides an interface having functionality configured to establish relationships between the selected onboard vehicle data and levels of risk in a usage based insurance system;a database that stores relationship data indicating the relationships established between the selected onboard vehicle data relating to one or more users and an insured's monitored vehicle data, where the relationship data identifies, for an insured or other selected users, relationships between relative levels of risk and the selected onboard vehicle data; andan interface module configured to search the database for a risk assessment of vehicle data, where the interface module is responsive to a request from a database user by using the relationship data and the selected onboard vehicle data to identify the level of risk;where the interface module is further configured to be responsive to a request to quantify driver behavior by processing the selected onboard vehicle data to render a driver safety score, where the driver safety score is characterized as a level of risk associated with insuring a selected operator or a vehicle. 2. The risk management system of claim 1 where the selected onboard vehicle data comprises speed based data and location based data associated with the vehicle. 3. The risk management system of claim 1 where the selected onboard vehicle data comprises speed based data and time of day based data associated with the vehicle. 4. The risk management system of claim 1 where the selected onboard vehicle data comprises speed based data and the relationship data comprises an insurance rating. 5. The risk management system of claim 1 where the selected onboard vehicle data comprises speed based data captured following a trigger event and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 6. The risk management system of claim 1 where the selected onboard vehicle data comprises speed based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 7. The risk management system of claim 1 where the selected onboard vehicle data comprises speed based data captured following a trigger event that results in a surcharge or a discount for an insured user. 8. The risk management system of claim 1 where the selected onboard vehicle data comprises speed based data that results in a surcharge or a discount for an insured user. 9. The risk management system of claim 1 where the selected onboard vehicle data comprises acceleration based data or deceleration based data and location based data associated with the vehicle. 10. The risk management system of claim 1 where the selected onboard vehicle data comprises acceleration based data or deceleration based data and time of day based data associated with the vehicle. 11. The risk management system of claim 1 where the selected onboard vehicle data comprises acceleration based data or deceleration based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users. 12. The risk management system of claim 1 where the selected onboard vehicle data comprises acceleration based data captured following a trigger event and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 13. The risk management system of claim 1 where the selected onboard vehicle data comprises acceleration based data or deceleration based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 14. The risk management system of claim 1 where the selected onboard vehicle data comprises acceleration based data captured following a trigger event that results in a surcharge or a discount for an insured user. 15. The risk management system of claim 1 where the selected onboard vehicle data comprises acceleration based data or deceleration based data that results in a surcharge or a discount for an insured user. 16. The risk management system of claim 1 where the selected onboard vehicle data comprises lateral acceleration based data captured following a trigger event that results in a surcharge or a discount for an insured user. 17. The risk management system of claim 1 where the selected onboard vehicle data comprises lateral acceleration based data that results in a surcharge or a discount for an insured user. 18. The risk management system of claim 1 where the selected onboard vehicle data comprises braking based data and location based data associated with the vehicle. 19. The risk management system of claim 1 where the selected onboard vehicle data comprises braking based data and time of day based data associated with the vehicle. 20. The risk management system of claim 1 where the selected onboard vehicle data comprises braking based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users. 21. The risk management system of claim 1 where the selected onboard vehicle data comprises braking based data captured following a trigger event and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 22. The risk management system of claim 1 where the selected onboard vehicle data comprises braking based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 23. The risk management system of claim 1 where the selected onboard vehicle data comprises braking based data captured following a trigger event that results in a surcharge or a discount for an insured user during an insurance billing process. 24. The risk management system of claim 1 where the selected onboard vehicle data comprises braking based data that results in a surcharge or a discount for an insured user. 25. The risk management system of claim 1 where the selected onboard vehicle data comprises at least one or more of the following: speed based data, location based data, acceleration based data, braking based data, and time of day based data; and where the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 26. The risk management system of claim 1 where the selected onboard vehicle data comprises at least one or more of the following: speed based data, location based data, acceleration based data, braking based data, and time of day based data; and where the selected onboard vehicle data is captured following a trigger event; and where the relationship data comprises an insurance rating of a insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 27. The risk management system of claim 1 where the vehicle is selected from the group comprising automobiles, motorcycles, vans, motor homes, and other motor vehicles. 28. The risk management system of claim 1 further comprising a transmitter configured to encode and then transmit the risk assessment of vehicle data. 29. The risk management system of claim 1 where the server receiver is coupled to a central control center that wirelessly receives the selected onboard vehicle data automatically. 30. The risk management system of claim 1 where the server receiver is coupled to a central control center that wirelessly receives the selected on board vehicle data upon the occurrence of a trigger event automatically. 31. A risk management system comprising: a server receiver configured to wirelessly receive selected in-vehicle data monitored by an in-vehicle data monitoring device;a computer system coupled to the server receiver that serves an interface module that monitors a vehicle operating characteristic or a vehicle operator action of one or more vehicles or operators in which the computer system is configured to establish relationships between the vehicle operating characteristic or the vehicle operator action and levels of risk that are involved in an operation of one or more vehicles;a database that stores relationship data representing associations between vehicle data associated with a plurality of vehicles or operators and an operator or insurer monitored vehicle data, where the relationship data quantifies, for one or more vehicles or operators, relationships between relative levels of risk in the operation of the one or more vehicles and the monitored vehicle data; andan interface module configured to search the database for a risk assessment of the vehicle data, where the interface module is responsive to a request to quantify driver behavior by processing the monitored vehicle data to render a driver safety score, where the driver safety score is characterized as a level of risk associated with insuring a selected operator or a vehicle. 32. A risk management system comprising: a computer system that serves an interface module that is configured to establish relationships between data that represents a vehicle operating characteristic and a vehicle operator action of one or more users and data that represents levels of risk involved in an operation of one or more vehicles;a database that stores relationship data representing associations between vehicle data associated with a plurality of vehicles or operators and an operator or insurer monitored vehicle data, where the relationship data quantifies, for one or more vehicles or operators, relationships between relative levels of risk in the operation of the one or more vehicles and the monitored vehicle data; andan interface module that provides functionality to search the database for a risk assessment of the vehicle data, where the interface module is responsive to a request to quantify driver behavior by processing the monitored vehicle data to render a driver safety score, where the driver safety score establishes a level of risk associated with insuring a selected user or a vehicle. 33. A risk management system comprising: a receiver configured to wirelessly receive selected onboard vehicle data monitored by an in-vehicle data monitoring device;a computer system in communication with the receiver that serves an interface module that is configured to establish relationships between data that represents a vehicle operating characteristic or a vehicle operator action and levels of risk that are involved in an operation of one or more vehicles;a database that stores relationship data representing associations between vehicle data associated with a plurality of vehicles or operators and monitored vehicle data, where the relationship data quantifies, for one or more vehicles or operators, relationships between relative levels of risk in the operation of the one or more vehicles and the monitored vehicle data; andan interface module configured to process the database for a risk assessment of vehicle data, where the interface module is responsive to a request to quantify driver behavior by processing the monitored vehicle data to generate driver safety data that characterizes the level of risk associated with insuring a selected operator or a vehicle. 34. The risk management system of claim 33 where the driver safety data comprises a driver safety score. 35. The risk management system of claim 34 where the driver safety score is processed by the computer system to generate actuarial information. 36. The risk management system of claim 34 where the driver safety score is processed by the computer system to generate or verify insurance information. 37. The risk management system of claim 34 where the driver safety score comprises a weighted sum of one or more operating factors. 38. The risk management system of claim 34 where the driver safety score is derived from the monitored data collected from the vehicle and other data independent from the monitored data. 39. The risk management system of claim 34 where the driver safety score comprises a dynamic score that reflects changes in a driving behavior. 40. The risk management system claim 34 where the driver safety score comprises a rating factor that quantifies an insurable risk. 41. The risk management system claim 34 where the driver safety score comprises a single numerical value. 42. The risk management system claim 34 where the driver safety score comprises an expression representing a level of risk associated with a particular driver. 43. The risk management system of claim 33 further comprising a computer storage media accessible to the computer system that causes a processor to modify terms of an insurance policy. 44. The risk management system of claim 33 further comprising a computer storage media accessible to the computer system that causes a processor to determine an insurance premium. 45. The risk management system of claim 33 further comprising a computer storage media accessible to the computer system that causes a processor to adjust an insurance premium. 46. The risk management system of claim 33 where the network computer system comprises a back-end processor that is remote from the vehicle that generates the data. 47. The risk management system of claim 33 where the relative levels of risk are based on comparisons of a user's vehicle operating habits to vehicle operating habits of others. 48. A risk management system comprising: an input device configured to interface and communicate with a vehicle bus that transfers information to and from in-vehicle devices;a first processor configured to process distance-based data repetitively from the vehicle bus through the input device;a memory that retains the distance-based data processed from the vehicle bus at a predetermined interval, the memory retains the content when not connected to a vehicle power source;a second processor that assigns a level of insurable risk to a vehicle or an operator based at least in part on the distance-based data written to the memory;a network server system configured to establish relationships between tracked vehicle data and levels of risk in a usage based insurance system;a database that stores relationship data indicating the relationships established between a plurality of vehicles or operators and monitored vehicle data, where the relationship data identifies, for one or more selected vehicles or operators, relationships between relative levels of risk and the monitored vehicle data; andan interface module configured to search the database for a risk assessment of vehicle data, where the interface module is responsive to a request by using the relationship data and the monitored vehicle data to identify risk associated with selected vehicles or operators and render an insurance rating or a driver safety score. 49. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising speed based data and location based data associated with the vehicle. 50. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising speed based data and time of day based data associated with the vehicle. 51. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising speed based data and the relationship data comprises an insurance rating. 52. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising speed based data captured following a trigger event and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 53. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising speed based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 54. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising speed based data captured following a trigger event that results in a surcharge or a discount for an insured user. 55. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising speed based data that results in a surcharge or a discount for an insured user. 56. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising acceleration based data or deceleration based data and location based data associated with the vehicle. 57. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising acceleration based data or deceleration based data and time of day based data associated with the vehicle. 58. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising acceleration based data or deceleration based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users. 59. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising acceleration based data captured following a trigger event and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 60. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising acceleration based data or deceleration based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 61. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising acceleration based data captured following a trigger event that results in a surcharge or a discount for an insured user. 62. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising acceleration based data or deceleration based data that results in a surcharge or a discount for an insured user. 63. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising lateral acceleration based data captured following a trigger event that results in a surcharge or a discount for an insured user. 64. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising lateral acceleration based data that results in a surcharge or a discount for an insured user. 65. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising braking based data and location based data associated with the vehicle. 66. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising braking based data and time of day based data associated with the vehicle. 67. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising braking based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users. 68. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising braking based data captured following a trigger event and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 69. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising braking based data and the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 70. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising braking based data captured following a trigger event that results in a surcharge or a discount for an insured user during an insurance billing process. 71. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising braking based data that results in a surcharge or a discount for an insured user. 72. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising at least one or more of the following: speed based data, location based data, acceleration based data, braking based data, and time of day based data; and where the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 73. The risk management system of claim 48 where the first processor is further configured to process vehicle data comprising at least one or more of the following: speed based data, location based data, acceleration based data, braking based data, and time of day based data; and where the selected onboard vehicle data is captured following a trigger event; and where the relationship data comprises an insurance rating of a insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating. 74. The risk management system of claim 48 where the vehicle is selected from the group comprising automobiles, motorcycles, vans, motor homes, and other motor vehicles. 75. The risk management system of claim 48 further comprising a transmitter configured to encode and then transmit the risk assessment of distance-based data. 76. The risk management system of claim 48 further comprising a server receiver coupled to a central control center that wirelessly receives the distance-based data automatically. 77. The risk management system of claim 76 where the server receiver is coupled to a central control center that wirelessly receives the distance-based data upon the occurrence of a trigger event automatically. 78. A risk management system comprising: a server receiver configured to wirelessly receive onboard vehicle data monitored by an in-vehicle data monitoring device within a vehicle;a network server system coupled to the server receiver that provides an interface having functionality configured to establish relationships between the onboard vehicle data and levels of risk in a usage based insurance system;a database that stores relationship data indicating the relationships established between the onboard vehicle data relating to one or more users and an insured's monitored vehicle data, where the relationship data identifies, for an insured or other selected users, relationships between relative levels of risk and the onboard vehicle data; andan interface module configured to search the database for a risk assessment of vehicle data, where the interface module is configured to process the relationship data and the onboard vehicle data to identify the level of risk; andwhere the interface module is further configured to be responsive to a request to quantify driver behavior by processing the onboard vehicle data to render a driver safety score, where the driver safety score is characterized as a level of risk associated with insuring a selected operator or a vehicle; andwhere the relationship data comprises an insurance rating of an insured user or one of the other selected users that results in a prospective cost or an insurance premium based on the insurance rating.
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