IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
US-0913165
(2013-06-07)
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등록번호 |
US-10262373
(2019-04-16)
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발명자
/ 주소 |
- Hayward, Gregory
- Christensen, Scott
- Wade, Bryan Scott
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출원인 / 주소 |
- STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
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대리인 / 주소 |
Marshall, Gerstein & Borun LLP
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인용정보 |
피인용 횟수 :
0 인용 특허 :
13 |
초록
▼
A system and method for underwriting and rating insurance products using a programmed computer system to receive usage information of a vehicle within a geographic area or location, determine a target grid cell or a sequence of target grid cells bounded by latitude and longitude lines that encompass
A system and method for underwriting and rating insurance products using a programmed computer system to receive usage information of a vehicle within a geographic area or location, determine a target grid cell or a sequence of target grid cells bounded by latitude and longitude lines that encompass at least a portion of the geographic area where the vehicle was used, attain a set of data associated with the target grid cell(s), and calculate a location rating factor based on the usage information, target cell(s), and the set of data.
대표청구항
▼
1. A method executed on a programmed computer system to automatically determine risk of a vehicle based on movement and location of the vehicle, the programmed computer system having a processor and a non-transitory, tangible computer readable medium communicatively coupled to the processor and stor
1. A method executed on a programmed computer system to automatically determine risk of a vehicle based on movement and location of the vehicle, the programmed computer system having a processor and a non-transitory, tangible computer readable medium communicatively coupled to the processor and storing instructions executable by the processor to perform the method comprising: storing, at a database, vehicle risk data associated with a plurality of grid cells corresponding to a geographic area;receiving, at the processor, a query for a vehicle risk of the vehicle;monitoring, via a global positioning system (GPS) device disposed with the vehicle, usage of the vehicle while travelling within the geographic area;receiving, at the processor, sensor data attained from the GPS device, the sensor data including usage information of the vehicle including a route travelled by the vehicle within the geographic area, wherein the usage information includes a moving amount of time the vehicle moves along the route and a stationary amount of time the vehicle does not move along the route;determining, via the processor, each of the plurality of grid cells that encompasses at least a portion of the route travelled by the vehicle;querying, via the processor, the database to attain a set of vehicle risk data associated with each of the determined plurality of grid cells that encompasses at least a portion of the route travelled by the vehicle;receiving, at the processor, the queried set of vehicle risk data associated with each of the plurality of grid cells that encompasses at least a portion of the route travelled by the vehicle;calculating, via the processor, a location rating factor based on the moving amount of time the vehicle moves along the route, the stationary amount of time the vehicle does not move along the route, and the received set of vehicle risk data associated with each of the plurality of grid cells that encompasses at least a portion of the route travelled by the vehicle;incorporating, via the processor, the usage information received within the sensor data with the vehicle risk data stored in the database and associated with each of the determined plurality of grids that encompasses the at least a portion of the route travelled by the vehicle; andcommunicating, via the processor, the calculated location rating factor to a user. 2. The method of claim 1, wherein the usage information of the vehicle further includes one or more of the following: location, miles driven, total time within one of the plurality of grid cells, time when vehicle ignition is on, time when vehicle ignition is off, average vehicle velocity, maximum vehicle velocity, and change in vehicle velocity. 3. The method of claim 1, wherein the route travelled by the vehicle includes a plurality of coordinate pairs, each coordinate pair including a longitude value and a latitude value. 4. The method of claim 1, wherein the set of vehicle risk data includes one or more of the following: census data, crime data, weather data, historical data, and other data, such as quantity of vehicle insurance claims, severity of vehicle insurance claims, frequency of vehicle insurance claims, driving statistics, road statistics, time, date, or population density. 5. The method of claim 1, wherein each of the grid cells of the plurality of grid cells comprising a four-sided area defined by latitude and longitude values of a coordinated grid system defining a geographic size of that particular coordinated grid cell. 6. The method of claim 5, further comprising adjusting the geographic size of one or more grid cells by truncating the number of digits in the latitude and longitude values that define that grid cell. 7. The method of claim 1, further comprising: automatically comparing the usage information of the vehicle to usage criteria of a vehicle insurance policy;automatically detecting a discrepancy between the usage information of the vehicle and the usage criteria of the vehicle insurance policy;automatically notifying a user of the detected discrepancy between the usage information of the vehicle and the usage criteria of the vehicle insurance policy. 8. A method executed on a programmed computer system to automatically determine risk of a vehicle based on movement and location of the vehicle, the programmed computer system having a processor and a non-transitory, tangible computer readable medium communicatively coupled to the processor and storing instructions executable by the processor to perform the method comprising: storing, at a database, vehicle risk data associated with a plurality of grid cells corresponding to a geographic area;receiving, at the processor, a query for a vehicle risk of the vehicle;monitoring, via a global positioning system (GPS) device disposed with the vehicle, usage of the vehicle while travelling within the geographic area;receiving, at the processor, sensor data attained from the GPS device, the sensor data including usage information of the vehicle including a route travelled by the vehicle within the geographic area, wherein the usage information includes a moving amount of time the vehicle moves along the route and a stationary amount of time the vehicle does not move along the route;determining, via the processor, a sequence of coordinate pairs that are included in the route travelled by the vehicle, each coordinate pair including a latitude value and a longitude value;querying, via the processor, a database to attain a set of vehicle risk data associated with a sequence of grid cells that encompasses each coordinate pair in the sequence of coordinate pairs;receiving, at the processor, the queried set of vehicle risk data associated with each of the plurality of grid cells within the sequence of grid cells that encompasses each coordinate pair in the sequence of coordinate pairs;calculating, via the processor, a location rating factor based on the moving amount of time the vehicle moves along the route, the stationary amount of time the vehicle does not move along the route, and the received set of vehicle risk data associated with each of the grid cells within the sequence of grid cells that encompasses each coordinate pair in the sequence of coordinate pairs;incorporating, via the processor, the usage information received within the sensor data with the vehicle risk data stored in the database and associated with each of the determined plurality of grids that encompasses the at least a portion of the route travelled by the vehicle; andcommunicating, via the processor, the calculated location rating factor to a user. 9. The method of claim 8, further comprising: querying, via the processor, a database to attain a supplemental set of vehicle risk data associated with grid cells bordering the sequence of grid cells that encompasses each coordinate pair in the sequence of coordinate pairs;receiving, at the processor, the queried supplemental set of vehicle risk data associated with grid cells bordering the sequence of grid cells that encompasses each coordinate pair in the sequence of coordinate pairs; andcalculating, via the processor, a supplemental location rating factor based on the usage information, the received set of vehicle risk data associated with each of the grid cells within the sequence of grid cells that encompasses each coordinate pair in the sequence of coordinate pairs, and the received set of supplemental vehicle risk data associated with grid cells adjacent to the sequence of grid cells that encompasses each coordinate pair in the sequence of coordinate pairs; andcommunicating, via the processor, the calculated supplemental location rating factor to the user. 10. The method of claim 9, wherein the usage information of the vehicle further includes one or more of the following: location, miles driven, total time within one of the plurality of grid cells, time when vehicle ignition is on, time when vehicle ignition is off, average vehicle velocity, maximum vehicle velocity, and change in vehicle velocity. 11. The method of claim 10, wherein the set of vehicle risk data includes one or more of the following: quantity of vehicle insurance claims, severity of vehicle insurance claims, frequency of vehicle insurance claims, driving statistics, road statistics, crime rate, theft rate, weather condition, time, date, or population density. 12. The method of claim 11, wherein the set of supplemental vehicle risk data includes one or more of the following: quantity of vehicle insurance claims, severity of vehicle insurance claims, frequency of vehicle insurance claims, driving statistics, road statistics, crime rate, theft rate, weather condition, time, date, or population density. 13. The method of claim 10, wherein each coordinate pair includes a non-truncated longitude value and a non-truncated latitude value. 14. The method of claim 8, wherein each particular grid cell comprising a four-sided area defined by latitude and longitude values of a coordinated grid system defining a geographic size of that particular coordinated grid cell. 15. The method of claim 14, further comprising adjusting the geographic size of one or more grid cells by truncating the number of digits in the latitude and longitude values that define that grid cell. 16. The method of claim 8, further comprising: automatically comparing the usage information of the vehicle to usage criteria of a vehicle insurance policy;automatically detecting a discrepancy between the usage information of the vehicle and the usage criteria of the vehicle insurance policy;automatically notifying a user of the detected discrepancy between the usage information of the vehicle and the usage criteria of the vehicle insurance policy. 17. A computer system for automatically determining risk of a vehicle based on movement and location of the vehicle, the computer system comprising: a processor communicatively coupled to a user interface;a coordinate grid system associated with a geographic area, the coordinate grid system including a plurality of grid cells, each grid cell comprising a four-sided area defined by latitude and longitude values;a database communicatively coupled to the processor, the database storing vehicle risk data associated with the plurality of grid cells;a global positioning system (GPS) device disposed with the vehicle and communicatively coupled to the processor for monitoring usage of the vehicle;a non-transitory, tangible computer readable memory communicatively coupled to the processor; anda set of computer readable instructions stored in the non-transitory computer readable memory and when executed by the processor, are configured to:receive, at the processor, a query for a vehicle risk of the vehicle;monitor, via the GPS device, usage of the vehicle while travelling within the geographic area;receive, at the processor, sensor data attained from the GPS device, the sensor data including usage information of the vehicle including a route travelled by the vehicle within the geographic area, wherein the usage information includes a moving amount of time the vehicle moves along the route and a stationary amount of time the vehicle does not move along the route;determine, via the processor, each of the plurality of grid cells that encompasses at least a portion of the route travelled by the vehicle;query, via the processor, the database to attain a set of vehicle risk data associated with each of the determined grid cells that encompasses at least a portion of the route travelled by the vehicle;receive, at the processor, the queried set of vehicle risk data associated with each of the plurality of grid cells that encompasses at least a portion of the route travelled by the vehicle;calculate, via the processor, a location rating factor based on the moving amount of time the vehicle moves along the route, the stationary amount of time the vehicle does not move along the route, and the received set of vehicle risk data associated with each of the plurality of grid cells that encompasses at least a portion of the route travelled by the vehicle;incorporate, via the processor, the usage information received within the sensor data with the vehicle risk data stored in the database and associated with each of the determined plurality of grids that encompasses the at least a portion of the route travelled by the vehicle andcommunicate, via the processor, the calculated location rating factor to a user. 18. The computer system of claim 17, wherein the usage information of the vehicle further includes one or more of the following: miles driven, moving time, non-moving time, total time within one of the plurality of grid cells, time when vehicle ignition is on, time when vehicle ignition is off, average vehicle velocity, maximum vehicle velocity, and change in vehicle velocity. 19. The computer system of claim 18, wherein the route includes a plurality of coordinate pairs, each coordinate pair including a non-truncated longitude value and a non-truncated latitude value. 20. The computer system of claim 19 wherein the four-sided area of each grid cell being defined by truncated latitude and longitude values, and wherein a number of digits in the truncated latitude and longitude values define a geographic size of that grid cell. 21. The computer system of claim 17, wherein the vehicle risk data associated with the plurality of grid cells includes one or more of the following: quantity of vehicle insurance claims, severity of vehicle insurance claims, frequency of vehicle insurance claims, driving statistics, road statistics, crime rate, theft rate, weather condition, time, date, or population density.
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