Patent Issued for Data processing system communicating with a map data processing system to determine or alter a navigation path based on one or more road segments (USPTO 11118923): Allstate Insurance Company

2021 OCT 05 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Alexandria, Virginia, by NewsRx journalists, a patent by the inventors Chintakindi, Sunil (Naperville, IL, US), Hayes, Howard (Glencoe, IL, US), Thammi, Santhosh (Chicago, IL, US), filed on January 30, 2018, was published online on September 14, 2021.

The assignee for this patent, patent number 11118923, is Allstate Insurance Company (Northbrook, Illinois, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “Mapping services that determine traffic conditions and driving routes are known. However, knowledge of these traffic conditions and driving routes is insufficient for some use cases.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “The following presents a simplified summary in order to provide a basic understanding of some aspects of the disclosure. The summary is not an extensive overview of the disclosure. It is neither intended to identify key or critical elements of the disclosure nor to delineate the scope of the disclosure. The following summary merely presents some concepts of the disclosure in a simplified form as a prelude to the description below.

“Aspects of the disclosure relate to systems, methods, and computing devices configured to generate a display of one or more multi-dimensional navigation scores. The data source device may comprise a data source computer and a database storing historical data or real time data associated with a plurality of segments of road. The system may comprise a map data processing device comprising a map data processing computer and memory storing computer-executable instructions that, when executed by the map data processing computer, cause the map data processing device to determine a geographical location based on a location determining device. The map data processing device may determine a segment of road associated with the geographical location and receive, from the data source device, one or more of the historical data or real time data for the segment of road. The map data processing device may determine a threshold navigation score for the segment of road. The map data processing device may determine, using the one or more of the historical data or real time data, a multi-dimensional navigation score for the segment of road and determine whether the multi-dimensional navigation score for the segment of road exceeds the threshold navigation score. Based on the determination of whether the multi-dimensional navigation score for the segment of road exceeds the threshold navigation score, the map data processing device may generate a display of the multi-dimensional navigation score.

“In some aspects, the memory may store computer-executable instructions that, when executed by the map data processing computer, cause the map data processing device to determine a second segment of road associated with the geographical location and receive, from the data source device, one or more of the historical data or real time data for the second segment of road. The map data processing device may determine, using the one or more of the historical data or real time data for the second segment of road, a second multi-dimensional navigation score the second segment of road. In response to determining that the second multi-dimensional navigation score does not exceed the threshold navigation score, the map data processing device may prevent display of the second multi-dimensional navigation score. The segment of road and the second segment of road may form at least a portion of a navigation route for a vehicle.

“In some aspects, in response to a determination that the multi-dimensional navigation score for the segment of road exceeds the threshold navigation score, the map data processing device may generate a display of a recommendation to deploy a fleet or to drive at a time in the future. The map data processing device may determine that a second multi-dimensional navigation score for a second segment of road associated with the geographical location exceeds the threshold navigation score. In response to a determination that the multi-dimensional navigation score for the segment of road exceeds the threshold navigation score and that the second multi-dimensional navigation score for the second segment of road exceeds the threshold navigation score, the map data processing device may generate a display of a recommendation to deploy a fleet or to drive at a time in the future.

“In some aspects, the map data processing device may re-determine the multi-dimensional navigation score for the segment of road in response to a determination that a threshold time has been exceeded. The map data processing device may generate a display of the re-determined multi-dimensional navigation score. In some aspects, determining the multi-dimensional navigation score may comprise determining the multi-dimensional navigation score based on two or more of data indicating peer traffic, data indicating driver behavior, data indicating passenger behavior, weather data, data indicating roadway features, adverse event probability data, risk cost index data, or data describing a vehicle.”

The claims supplied by the inventors are:

“1. A method comprising: determining, by a computing device, a geographical location of a vehicle based on sensor data received from and sensed by a Global Positioning System (GPS) sensor, wherein the sensor data indicates the geographical location of the vehicle; determining an environment of the geographical location of the vehicle, wherein the environment comprises one or more of weather-related attributes or roadway features of the geographical location; determining vehicle attributes of the vehicle, wherein the vehicle attributes comprise one of more of a type of the vehicle, a make of the vehicle, or an age of the vehicle; based on the environment of the geographical location of the vehicle, the vehicle attributes, and data representing passenger behavior indicating whether the passenger is a distraction to a driver of the vehicle, determining a probability of an adverse event that will occur in a future; and based on a determination that the probability of the adverse event exceeds a threshold, displaying an indication that the probability of the adverse event exceeds the threshold on a live risk map.

“2. The method of claim 1, further comprising: based on the probability of the adverse event and based on a number of pedestrians in the geographical location of the vehicle exceeding a second threshold, determining, while the driver is driving the vehicle, a risk to the pedestrians.

“3. The method of claim 1, wherein the weather-related attributes comprise one or more of data indicating whether it is snowing in the geographical location, whether there is snow on a ground of the geographical location, how much snow is on the ground of the geographical location, or a temperature of the geographical location.

“4. The method of claim 1, wherein the roadway features of the geographical location comprise one or more of data indicating a curvature of the geographical location, a gradient of the geographical location, whether the geographical location comprises a highway, whether the geographical location comprises paved or unpaved roads, or a type of terrain of the geographical location.

“5. The method of claim 1, wherein the type of the vehicle comprises one or more of a sedan, a sports utility vehicle, a pickup truck, a minivan, a tow truck, an 18 wheeler, a motor bike, trailers, or an RV.

“6. The method of claim 1, further comprising: determining a potential cost of the adverse event that will occur in the future.

“7. The method of claim 6, further comprising: estimating an insurance cost based on the potential cost of the adverse event that will occur in the future.

“8. The method of claim 1, wherein the determining the probability of the adverse event is further based on one or more links between the vehicle attributes and the environment of the geographical location of the vehicle.

“9. An apparatus comprising: a processor; and memory storing computer-executable instructions that, when executed by the processor, cause the apparatus to: determine a geographical location of a vehicle based on sensor data received from and sensed by a Global Positioning System (GPS) sensor, wherein the sensor data indicates the geographical location of the vehicle; determine an environment of the geographical location of the vehicle, wherein the environment comprises one or more of weather-related attributes or roadway features of the geographical location; determine vehicle attributes of the vehicle, wherein the vehicle attributes comprise one of more of a type of the vehicle, a make of the vehicle, or an age of the vehicle; based on the environment of the geographical location of the vehicle, the vehicle attributes, and data representing passenger behavior indicating whether the passenger is a distraction to a driver of the vehicle, determine a probability of an adverse event that will occur in a future; and based on a determination that the probability of the adverse event exceeds a threshold, display an indication that the probability of the adverse event exceeds the threshold on a live risk map.

“10. The apparatus of claim 9, wherein the weather-related attributes comprise one or more of data indicating whether it is snowing in the geographical location, whether there is snow on a ground of the geographical location, how much snow is on the ground of the geographical location, or a temperature of the geographical location.

“11. The apparatus of claim 9, wherein the roadway features of the geographical location comprise one or more of data indicating a curvature of the geographical location, a gradient of the geographical location, whether the geographical location comprises a highway, whether the geographical location comprises paved or unpaved roads, or a type of terrain of the geographical location.

“12. The apparatus of claim 9, wherein the type of the vehicle comprises one or more of a sedan, a sports utility vehicle, a pickup truck, a minivan, a tow truck, an 18 wheeler, a motor bike, trailers, or an RV.

“13. The apparatus of claim 9, wherein the memory stores computer-executable instructions that, when executed by the processor, cause the apparatus to: based on the probability of the adverse event and based on a number of pedestrians in the geographical location of the vehicle exceeding a second threshold, determine, while the driver is driving the vehicle, a risk to the pedestrians.

“14. The apparatus of claim 9, wherein the memory stores computer-executable instructions that, when executed by the processor, cause the apparatus to: determine a potential cost of the adverse event that will occur in the future; and estimate an insurance cost based on the potential cost of the adverse event that will occur in the future.

“15. A system comprising: a vehicle comprising a Global Positioning System (GPS) sensor configured to sense data indicating a geographical location of the vehicle; and a computing device remote from the vehicle, the computing device comprising: a processor; and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to: determine, based on the data received from and sensed by the GPS sensor, the geographical location of the vehicle; determine an environment of the geographical location of the vehicle, wherein the environment comprises one or more of weather-related attributes or roadway features of the geographical location; determine vehicle attributes of the vehicle, wherein the vehicle attributes comprise one of more of a type of the vehicle, a make of the vehicle, or an age of the vehicle; based on the environment of the geographical location of the vehicle, the vehicle attributes, and data representing passenger behavior indicating whether the passenger is a distraction to a driver of the vehicle, determine a probability of an adverse event that will occur in a future; and based on a determination that the probability of the adverse event exceeds a threshold, display an indication that the probability of the adverse event exceeds the threshold on a live risk map.

“16. The system of claim 15, wherein the weather-related attributes comprise one or more of data indicating whether it is snowing in the geographical location, whether there is snow on a ground of the geographical location, how much snow is on the ground of the geographical location, or a temperature of the geographical location.

“17. The system of claim 15, wherein the roadway features of the geographical location comprise one or more of data indicating a curvature of the geographical location, a gradient of the geographical location, whether the geographical location comprises a highway, whether the geographical location comprises paved or unpaved roads, or a type of terrain of the geographical location.

“18. The system of claim 15, wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to: based on the probability of the adverse event and based on a number of pedestrians in the geographical location of the vehicle exceeding a second threshold, determine, while the driver is driving the vehicle, a risk to the pedestrians.

“19. The system of claim 15, wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to: determine a potential cost of the adverse event that will occur in the future.

“20. The system of claim 19, wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to: estimate an insurance cost based on the potential cost of the adverse event that will occur in the future.”

For more information, see this patent: Chintakindi, Sunil. Data processing system communicating with a map data processing system to determine or alter a navigation path based on one or more road segments. U.S. Patent Number 11118923, filed January 30, 2018, and published online on September 14, 2021. Patent URL: http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=11118923.PN.&OS=PN/11118923RS=PN/11118923

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