“System And Computer-Implemented Method For Multi-Stage Processing Of Sensor Data” in Patent Application Approval Process (USPTO 20190087903)
2019 APR 08 (NewsRx) -- By a
This patent application is assigned to
The following quote was obtained by the news editors from the background information supplied by the inventors: “Pay-as-you-drive systems, such as State Farm’s Drive Safe & Save.TM. system, allow insurance providers to better assess insurance risks and reward proven safe drivers with lower premiums. One way to participate in such programs is through an electronic device that plugs into a vehicle’s on-board diagnostic (OBD-II) port and records such relevant information as acceleration, turning, and braking. Another way is to make use of a telematics-based subscription service that records such information as mileage travelled. In still another way, drivers in
“Telematics-based mobile applications allow the insurance industry to better match the behaviors of customers with appropriate insurance premiums. Typically, a mobile phone or other local device records data from sensors (e.g., speed, acceleration, turning, braking, geographic location) at a predefined interval (e.g., twenty times per second) and transmits the data to a remote server for processing and analysis. The server produces a summary or other report, and transmits the summary or other report back to the device for viewing by the customer.
“However, network calls require large amounts of battery power and consume data from customer data plans, data storage is expensive with regard to both hardware and maintenance, data processing is greatly slowed by hundreds of thousands of users sending large amounts of data, and customer demand for real time data is rapidly increasing. During peak periods, a server receives such large amounts of real time data that processing, analysis, and summarization by the server normally require twenty-four to seventy-two hours to complete due to backlogs. All incoming data is queued for processing, so back-ups delay all customers from receiving feedback. In an exemplary implementation, telematics data may be transmitted from a vehicle to a remote server for processing, and during busy periods, one million or more devices may be transmitting data to a single server. Processing the data requires four to five minutes, which results in a one-day turnaround time for providing feedback to drivers about their trips.”
In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventors’ summary information for this patent application: “Embodiments of the present technology provide a system and computer-implemented method for processing large amounts of sensor data, wherein anomalous data is identified as such and transmitted in real or near real time to a remote location for processing, and non-anomalous data is pre-processed and temporarily stored locally for later transmission to the remote location and reconciliation with the anomalous data.
“In a first aspect, a system may be configured to collect and process information relevant to setting an insurance premium. The system may broadly comprise a local electronic device and a remote server computer. The local electronic device may store and execute a software application configured to receive sensor data from one or more sensors, identify anomalous data in the sensor data as the anomalous data is received, and transmit the anomalous data as the anomalous data is identified. The remote server computer may be configured to receive the anomalous data transmitted by the software application, analyze the anomalous data, and recommend the insurance premium based at least in part on the anomalous data.
“In a second aspect, a computer-implemented method may collect and process information relevant to setting an insurance premium. The computer-implemented method may broadly comprise the following. A local electronic device may receive sensor data from one or more sensors, identify anomalous data in the sensor data as the anomalous data is received, and transmit the anomalous data as the anomalous data is identified. A remote server computer may receive the transmitted anomalous data, analyze the anomalous data, and recommend the insurance premium based at least in part on the anomalous data.
“Various implementations of any or all of the foregoing aspects may include any one or more of the following additional features. The local electronic device may be a smartphone, and the anomalous data may be transmitted over a wireless communication network to the remote server computer. The insurance premium may be for vehicle insurance, the sensor data may include speed, acceleration, turning, braking, cornering, stopping, phone usage, and/or location, and the anomalous data may include exceeding a speed limit, overly aggressive acceleration, turning, braking, cornering, and stopping, phone usage, driving and parking in high crime areas, non-use of a theft alarm, and/or significant impact or a collision. The insurance premium may be for property insurance, the sensor data may include doors or windows, security lighting, and thermal, audio, smoke, and/or security alarms, and the anomalous data may include open and unlocked doors or windows, non-use of security lighting, and/or activation of thermal, audio, smoke, or security alarms. The insurance premium may be for health or life insurance, and the sensor data may include heart rate and blood pressure, smoking, alcohol and drugs, exercise, and/or sleep, and the anomalous data may include high resting heart rate and blood pressure, smoking, use of alcohol or other illegal drugs or certain legal drugs, and/or inadequate sleep.
“The anomalous data may be defined objectively and/or subjectively. An artificial intelligence tool may be used to identify the anomalous data. The server computer may be further configured to generate a report based on the anomalous data, wherein the report may include a score, and to transmit the report to the local electronic device for display. The report may be generated periodically or continuously.
“The software application may be further configured to store non-anomalous data or a summary thereof, and to transmit the non-anomalous data or the summary thereof at an off-peak time. The remote server computer may be further configured to receive and analyze the non-anomalous data or the summary thereof, generate a report based on the anomalous data and the non-anomalous data or the summary thereof, wherein the report may include a score, and transmit the report to the local electronic device for display, and recommend the insurance premium based on both the anomalous data and the non-anomalous data or the summary thereof. The report may be generated periodically or continuously.
“Advantages of these and other embodiments will become more apparent to those skilled in the art from the following description of the exemplary embodiments which have been shown and described by way of illustration. As will be realized, the present embodiments described herein may be capable of other and different embodiments, and their details are capable of modification in various respects. Accordingly, the drawings and description are to be regarded as illustrative in nature and not as restrictive.”
The claims supplied by the inventors are:
“1. A system for collecting and processing information relevant to setting an insurance premium, the system comprising: a local electronic device storing and executing a software application configured to receive sensor data from one or more sensors, identify anomalous data in the sensor data as the anomalous data is received, and transmit the anomalous data as the anomalous data is identified; and a remote server computer configured to receive the anomalous data transmitted by the software application, analyze the anomalous data, and recommend the insurance premium based at least in part on the anomalous data.
“2. The system as set forth in claim 1, wherein the local electronic device is a smartphone, and the anomalous data is transmitted over a wireless communication network to the remote server computer.
“3. The system as set forth in claim 1, wherein the insurance premium is for vehicle insurance and the sensor data includes speed, acceleration, turning, braking, cornering, stopping, phone usage, and location, and the anomalous data includes exceeding a speed limit, overly aggressive acceleration, turning, braking, cornering, and stopping, phone usage, driving and parking in high crime areas, non-use of a theft alarm, and significant impact or a collision.
“4. The system as set forth in claim 1, wherein the insurance premium is for property insurance and the sensor data includes doors or windows, security lighting, and thermal, audio, smoke, and security alarms, and the anomalous data includes open and unlocked doors or windows, non-use of security lighting, and activation of thermal, audio, smoke, or security alarms.
“5. The system as set forth in claim 1, wherein the insurance premium is for health or life insurance and the sensor data includes heart rate and blood pressure, smoking, alcohol or drugs, exercise, and sleep, and the anomalous data includes high resting heart rate and blood pressure, smoking, use of alcohol or other illegal drugs or certain legal drugs, and inadequate sleep.
“6. The system as set forth in claim 1, wherein the anomalous data is defined objectively.
“7. The system as set forth in claim 1, wherein the anomalous data is defined subj ectively.
“8. The system as set forth in claim 1, wherein an artificial intelligence tool is used to identify the anomalous data.
“9. The system as set forth in claim 1, the server computer being further configured to generate a report based on the anomalous data, wherein the report includes a score, and to transmit the report to the local electronic device for display.
“10. The system as set forth in claim 1, the software application being further configured to store non-anomalous data or a summary thereof, and to transmit the non-anomalous data or the summary thereof at an off-peak time.
“11. The system as set forth in claim 10, the remote server computer being further configured to receive and analyze the non-anomalous data or the summary thereof, generate a report based on the anomalous data and the non-anomalous data or the summary thereof, wherein the report includes a score, and to transmit the report to the local electronic device for display, and recommend the insurance premium based on both the anomalous data and the non-anomalous data or the summary thereof.
“12. A system for collecting and processing information relevant to setting an insurance premium, the system comprising: a local electronic device storing and executing a software application configured to receive sensor data from one or more sensors, identify anomalous data in the sensor data as the anomalous data is received, transmit the anomalous data as the anomalous data is identified, and store non-anomalous data and transmit the non-anomalous data at a later time; and a remote server computer configured to receive the anomalous data and the non-anomalous data transmitted by the software application, analyze the anomalous data and the non-anomalous data, generate a report based on the anomalous data and the non-anomalous data, wherein the report includes a score, and transmit the report to the local electronic device for display, and recommend the insurance premium based on both the anomalous data and the non-anomalous data.
“13. A computer-implemented method for collecting and processing information relevant to setting an insurance premium, the computer-implemented method comprising: receiving by a local electronic device sensor data from one or more sensors; identifying by the local electronic device anomalous data in the sensor data as the anomalous data is received; transmitting by the local electronic device the anomalous data as the anomalous data is identified; receiving by a remote server computer the anomalous data transmitted by the local electronic device; analyzing by the remote server computer the anomalous data, and recommending by the remote server computer the insurance premium based at least in part on the anomalous data.
“14. The computer-implemented method as set forth in claim 13, wherein the local electronic device is a smartphone, and the anomalous data is transmitted over a wireless communication network to the remote server computer.
“15. The computer-implemented method as set forth in claim 13, wherein the insurance premium is for vehicle insurance and the sensor data includes speed, acceleration, turning, braking, cornering, stopping, phone usage, and location, and the anomalous data includes exceeding a speed limit, overly aggressive acceleration, turning, braking, cornering, and stopping, phone usage, driving and parking in high crime areas, non-use of a theft alarm, and significant impact or a collision.
“16. The computer-implemented method as set forth in claim 13, wherein the insurance premium is for real property insurance and the sensor data includes doors or windows, security lighting; and thermal, audio, smoke, and security alarms, and the anomalous data includes open and unlocked doors or windows, non-use of security lighting, and activation of thermal, audio, smoke, or security alarms.
“17. The computer-implemented method as set forth in claim 13, wherein the insurance premium is for health or life insurance and the sensor data includes heart rate and blood pressure, smoking, alcohol and drugs, exercise, and sleep, and the anomalous data includes high resting heart rate and blood pressure, smoking, use of alcohol or other illegal drugs or certain legal drugs, and inadequate sleep.
“18. The computer-implemented method as set forth in claim 13, further including generating by the remote server computer a report based on the anomalous data, wherein the report includes a score, and transmitting the report to the local electronic device for display.
“19. The computer-implemented method as set forth in claim 13, further including storing by the local electronic device non-anomalous data or a summary thereof, and transmitting the non-anomalous data or the summary thereof at an off-peak time.
“20. The computer-implemented method as set forth in claim 19, further including receiving and analyzing by the remote server computer the non-anomalous data or the summary thereof, generating by the remote server computer a report based on the anomalous data and the non-anomalous data or the summary thereof, wherein the report includes a score, and transmitting the report to the local electronic device for display, and recommending by the remote serve computer the insurance premium based on both the anomalous data and the non-anomalous data or the summary thereof.”
URL and more information on this patent application, see: Fields,
(Our reports deliver fact-based news of research and discoveries from around the world.)
Local church begins drive for Nebraska flood victims
Advisor News
Annuity News
Health/Employee Benefits News
Life Insurance News