Researchers Submit Patent Application, “Insurance Based On Driving Data”, for Approval (USPTO 20230012298): Patent Application

2023 FEB 01 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Washington, D.C., NewsRx journalists report that a patent application by the inventor Saban, Yuval (Oak Park, IL, US), filed on February 22, 2022, was made available online on January 12, 2023.

No assignee for this patent application has been made.

News editors obtained the following quote from the background information supplied by the inventors: “As communication technologies, such as wireless communications, Global Position Systems (GPS), and telematics, have progressed, various communication methodologies have been incorporated into automobiles and other mobile devices to monitor vehicle data and driving data. For example, telematics systems such as on-board diagnostics (OBD) systems may be used in automobiles and other vehicles. OBD systems may provide information from the vehicle’s on-board computers and sensors, allowing for monitoring of a wide variety of information relating to the vehicle systems, such as engine RPM, emissions control, coolant temperature, vehicle speed, timing advance, throttle position, oxygen sensing, and many other types of data. Vehicles may also include GPS receivers and devices installed within or operating at the vehicle, configured to collect vehicle location and time data. Telematics devices installed within vehicles may be configured to access the vehicle computers, sensor data, and GPS device data and transmit the data to a display within the vehicle, a personal computer or mobile device, or to a centralized data processing system. Additionally, various mobile user devices, such as smartphones and tablet computers, may include GPS receivers and other sensors capable of monitoring movement and location. Certain mobile user devices also may be configured to communicate with vehicle-based systems, so that users may be provided with various vehicle data on their mobile devices, and vice versa.

“Data obtained from vehicle-based systems, such as OBD systems and GPS devices, and from mobile user devices, such as smartphones and tablet computers, may be used for a variety of purposes. For example, such data may be used for navigation applications, vehicle tracking and monitoring applications, and vehicle maintenance applications.”

As a supplement to the background information on this patent application, NewsRx correspondents also obtained the inventor’s summary information for this patent application: “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, apparatuses, computer-implemented methods, and computer-readable media for executing a driving data analysis software application on one or more driving data analysis devices. Insurance provider servers and/or third-party servers may be configured to provide a driving data analysis software application to various devices such as mobile user devices (e.g., smartphones, tablet computers, etc.) or on-board vehicle systems (e.g., on-board diagnostic systems, telematics devices, vehicle control systems, etc.). After downloading and executing a driving data analysis software application, a device may be configured to receive or collect various driving data, to analyze the driving data, and to determine eligibility for one or more insurance offers based on the analysis of the driving data. For insurance offers based on driving data, insurance offer vouchers may be generated by the driving data analysis device and transmitted to an insurance provider server to redeem the insurance offer.

“Other features and advantages of the disclosure will be apparent from the additional description provided herein.”

The claims supplied by the inventors are:

“1. A mobile driving data analysis computing device, comprising: one or more display screens; one or more volatile hardware memory units having in combination at least 256 megabytes (MB) of memory, the memory units configured to store thereon vehicle driving data; and one or more processors having a bit size of at least 32-bits and a speed of at least 500 megahertz (MHz), said processors configured to analyze vehicle driving data; wherein the mobile driving data analysis computing device is configured to store and execute a driving analysis software application, said driving analysis software application programmed to access and employ the memory units and processors to: receive and store driving data associated with a user of the mobile driving data analysis computing device; compare the driving data to one or more driving thresholds encoded into the driving analysis software application; determine eligibility for an insurance offer, based on the comparison of the driving data to the driving thresholds encoded into the driving analysis software application; and output, via one or more of the display screens, an indication of eligibility for the insurance offer.

“2. The mobile driving data analysis computing device of claim 1, wherein the driving analysis software application is further programmed to access and employ the memory units and processors to: erase the driving data associated with the user of the mobile driving data analysis computing device, after determining eligibility for the insurance offer.

“3. The mobile driving data analysis computing device of claim 1, wherein determining eligibility for the insurance offer comprises: executing one or more algorithms encoded into the driving analysis software application, wherein said determination does not involve communication between the mobile driving data analysis computing device and an external computing device subsequent to receiving the driving data.

“4. The mobile driving data analysis computing device of claim 1, wherein the insurance offer is a binding offer associated with an insurance provider.

“5. The mobile driving data analysis computing device of claim 4, wherein outputting the indication of eligibility for the insurance offer comprises generating electronic voucher data for an insurance product offered by the insurance provider.

“6. The mobile driving data analysis computing device of claim 1, wherein the determination of eligibility for the insurance offer is not based on vehicle characteristics associated with the driving data.

“7. The mobile driving data analysis computing device of claim 1, wherein the determination of eligibility for the insurance offer is not based on driver characteristics associated with the driving data.

“8. The mobile driving data analysis computing device of claim 1, wherein comparing the driving data to one or more driving thresholds encoded into the driving analysis software application comprises: determining if the amount of received driving data exceeds a minimum threshold amount of driving data required to determine eligibility for the insurance offer, wherein the minimum threshold amount of driving data comprises at least one of a time threshold, a driving time threshold, a driving trip threshold, and a driving miles threshold.

“9. The mobile driving data analysis computing device of claim 1, wherein receiving the driving data comprises: identifying a first vehicle sensor system proximate to the mobile driving data analysis computing device; establishing a communication session with the first vehicle sensor system; and receiving vehicle sensor data from the vehicle sensor system.

“10. The mobile driving data analysis computing device of claim 1, wherein receiving and storing the driving data comprises: receiving global positioning system (GPS) data via a GPS receiver within the mobile driving data analysis computing device; analyzing the GPS data to determine a driving trip start and a driving trip end; and storing as driving data the GPS data between the driving trip start and the driving trip end.

“11. The mobile driving data analysis computing device of claim 1, wherein receiving and storing the driving data comprises: receiving a first user input indicating a start of a first driving trip; receiving a second user input indicating an end of the first driving trip; and collecting driving data between first user input and the second user input.

“12. A driving data analysis system comprising: an insurance provider computer server; and one or more driving data analysis computing devices, wherein the insurance provider server comprises: one or more processors having a bit size of at least 32-bits and a speed of at least 500 megahertz (MHz); one or more nonvolatile hardware memory units having at least 5 gigabytes (GB) of memory; and one or more networking components, wherein the insurance provider computer server is configured to access and employ the memory units and processors to: transmit a driving analysis software application, via the one or more networking components, to the one or more driving data analysis computing devices, the driving analysis software application containing software code to determine conditions for one or more insurance offers based on driving data; wherein each of the one or more driving data analysis computing devices comprises: one or more display screens; one or more volatile hardware memory units having in combination at least 256 megabytes (MB) of memory, the memory units configured to store thereon vehicle driving data; and wherein each of the driving data analysis computing devices is configured to receive, store, and execute the driving analysis software application, said driving analysis software application programmed to access and employ the memory units and processors of the driving data analysis computing device to: receive and store driving data associated with a user of the driving data analysis computing device; compare the driving data to one or more driving thresholds encoded into the driving analysis software application; determine eligibility for an insurance offer, based on the comparison of the driving data to the driving thresholds encoded into the driving analysis software application; and output, via one or more of the display screens, an indication of eligibility for the insurance offer.

“13. The driving data analysis system of claim 12, wherein the one or more driving data analysis computing devices comprise mobile user devices.

“14. The driving data analysis system of claim 13, wherein each of the one or more driving data analysis computing devices further comprises a global positioning system (GPS) receiver, and wherein the driving analysis software application is further programmed to access and employ the memory units and processors of the driving data analysis computing device to: receive global positioning system (GPS) data via a GPS receiver of a driving data analysis computing device; analyze the GPS data to determine a driving trip start and a driving trip end; and store as driving data the GPS data between the driving trip start and the driving trip end.

“15. The driving data analysis system of claim 13, further comprising: one or more on-board vehicle sensor systems, each said on-board vehicle sensor system configured to: receive vehicle driving data from vehicle sensors; identify a mobile user device corresponding to a driving data analysis computing device proximate to the on-board vehicle sensor system; establish a wireless communication session with the mobile user device; and transmit wirelessly said vehicle driving data to the mobile user device.

“16. The driving data analysis system of claim 12, wherein the one or more driving data analysis computing devices comprise on-board vehicle computer systems.

“17. The driving data analysis system of claim 12, wherein the insurance provider computer server is further configured to access and employ the memory units and processors to: receive, from one or more of the mobile driving data analysis computing devices, electronic voucher data generated by the driving analysis software application, the electronic voucher data corresponding to an insurance product offer.

“18. The driving data analysis system of claim 12, wherein the driving analysis software application is further programmed to access and employ the memory units and processors to: erase the driving data associated with the user of the driving data analysis computing device, after determining eligibility for the insurance offer.

“19. The driving data analysis system of claim 12, wherein determining eligibility for the insurance offer by a first driving data analysis computing device comprises: executing one or more algorithms encoded into the driving analysis software application, wherein said determination does not involve communication between the first driving data analysis computing device and an external computing device subsequent to receiving the driving data.

“20. The driving data analysis system of claim 12, wherein receiving and storing the driving data comprises: receiving a first user input, via an input of a driving data analysis computing device, indicating a start of a first driving trip; receiving a second user input, via an input of a driving data analysis computing device, indicating an end of the first driving trip; and collecting driving data between first user input and the second user input.”

For additional information on this patent application, see: Saban, Yuval. Insurance Based On Driving Data. U.S. Patent Application Number 20230012298, filed February 22, 2022 and posted January 12, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230012298)&db=US-PGPUB&type=ids

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