“System For Monitoring And Classifying Vehicle Operator Behavior” in Patent Application Approval Process (USPTO 20230166739): Patent Application
2023 JUN 16 (NewsRx) -- By a
This patent application has not been assigned to a company or institution.
The following quote was obtained by the news editors from the background information supplied by the inventors: “The described invention relates in general to systems and methods for monitoring, evaluating and classifying vehicle operator behavior, vehicle behavior, details of geography, details of environment or combinations thereof and more specifically to a system for monitoring, evaluating and classifying vehicle operator behavior, motor vehicle behavior, details of geography, details of environment or combinations thereof using a mobile device such as a cell phone, smartphone or the like; a personal tracking device or a wearable electronic device such as smartwatch, fitness tracker or the like; and classifying the behaviors and details into groups based on quantitative patterns, relationships and interrelationships.
“Conventional methods of monitoring the behavior of an operator typically require installation of one or more monitoring devices in the vehicle. Such devices may include an onboard computer and multiple sensors or data readers that plug into an on-board diagnostic port that collect vehicle operation data such as, for example, speed, location, and time of day. As such, these monitoring systems are not designed to be portable and cannot be easily transferred from one vehicle to another. Furthermore, incorrect installation may interfere with the normal and safe operation of the vehicle. Additionally, these monitoring systems may limit the monitoring and recording of data to the operation/function of the motor vehicle itself and may not monitor and record information regarding the operator’s own behavior (such as texting or phone usage while driving), which may cause distraction and diminish the operator’s ability to safely operate the motor vehicle. Furthermore, the systems are not designed to monitor the operator when the operator is not operating the vehicle or do not take into account lifestyle or health factors (such as sleep deprivation, shaky hands or blood alcohol level) that may further diminish operator’s ability to safely operate a motor vehicle. Furthermore, the systems are not designed to collect vehicle location or environment information when it is not being operated by the operator, limiting the comprehensiveness of information collected and are thus not able to predict the likelihood of damage due to events like vandalism, theft or hail-storm, among others. Furthermore, current systems to monitor operator behavior lack efficient mechanism to classify all combinations of the operator behavior, the vehicle behavior, the geographic details and the environment details due to the extremely high computational power required and thus, either do not consider the geography and the environment where the vehicle is operated or consider only specific characteristics of the geographical and the environmental conditions, thereby limiting comprehensiveness of the classification for various combinations of the operator behavior, the vehicle behavior, the geographic details and the environment details. Therefore, there is an ongoing need for a system for monitoring and classifying vehicle operator behavior that is portable; does not require installation in the vehicle; includes information when the operator is operating the vehicle; includes information when the operator is not operating the vehicle; and provides an efficient mechanism to include comprehensive combinations of the operator behavior, the vehicle behavior, the geographic details, the environment details and combinations thereof.”
In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventors’ summary information for this patent application: “The following provides a summary of certain exemplary embodiments of the present invention. This summary is not an extensive overview and is not intended to identify key or critical aspects or elements of the present invention or to delineate its scope.
“In accordance with one aspect of the present invention, a system for determining qualification for insurance, cost of insurance or combinations thereof for a motor vehicle operator is provided. The system includes at least one personal monitoring device such as, for example, a smartwatch, a fitness tracker or other similar wearable portable electronic device; wherein the personal monitoring device includes one or more mechanisms for wearing the personal monitoring device by the operator and/or attaching the personal monitoring device to the operator such that the personal monitoring device is worn by the operator and/or attached to the operator when the operator is operating the motor vehicle and when the operating is not operating the motor vehicle, e.g., independently from the motor vehicle; wherein the personal monitoring device further includes hardware including a local memory, a battery, and sensors; wherein the sensors include a health and fitness sensor, an accelerometer, and a gyroscope; and the personal monitoring device provides functions including a Global Positioning System (GPS) function and a communication function; wherein the personal monitoring device is operative to monitor and communicate information about an operator of the motor vehicle, including at least driving data that is collected when the operator is operating the motor vehicle; wherein the driving data is solely collected by the personal monitoring device without receiving such driving data from vehicle sensors, calculated or derived based on data solely collected by the personal monitoring device without receiving such data from vehicle sensors, or combinations thereof; and wherein additional information including location is collected by the personal monitoring device when an operator is not operating the motor vehicle; wherein at least a portion of the information collected when the operator is not operating the motor vehicle is used to determine additional risk; wherein the system further includes at least one application software resident on the personal monitoring device; wherein the at least one application software interfaces with the personal monitoring device hardware and functions to monitor and communicate information used for determining qualification for insurance, cost of insurance or combinations thereof; wherein the at least one application software is activated and deactivated to perform at least one of the monitoring and communicating based on predetermined trigger events; and wherein the application software comprises a setup subsystem that is at least initiated when the user starts using the system; wherein the setup subsystem is operative to determine at least one trigger event used to activate or deactivate the application software; wherein the system further includes: at least one central control system that is operative to collect, process and communicate at least a portion of the information collected and/or derived by the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof; at least one process to identify data issues in the information collected by the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof; wherein the data issues identified comprise presence of insufficient data, duplicate data, and data gaps; and at least one algorithm, wherein the algorithm is operative to determine qualification for insurance, cost of insurance or combinations thereof for the operator based on at least a portion of the information collected by the personal monitoring device.
“In accordance with another aspect of the present invention, an alternate system for determining qualification for insurance, cost of insurance or combinations thereof for a motor vehicle operator is provided. The system includes at least one mobile device, such as, for example, a smartphone, a cellular phone, personal digital assistant or the like; wherein the mobile device is a portable device that is disposed in the motor vehicle but is not installed in the vehicle being monitored; at least one personal monitoring device, wherein the personal monitoring device includes one or more mechanisms for wearing the personal monitoring device and/or attaching the personal monitoring device to the operator such that the personal monitoring device is worn by the operator and/or attached to the operator when the operator is operating the motor vehicle and when the operator is not operating the motor vehicle, e.g., independently from the motor vehicle; wherein the personal monitoring device further comprises at least one health and fitness sensor, wherein the mobile device and the personal monitoring device are not installed in the motor vehicle being monitored and do not interface with the vehicle to collect information used for determining qualification for insurance, cost of insurance or combinations thereof; wherein the mobile device, the personal monitoring device or the combinations thereof comprises hardware including a local memory, a battery, and sensors; wherein the mobile device, the personal monitoring device or combinations thereof further provides functions including a Global Positioning System (GPS) function and a communication function; wherein the mobile device and the personal monitoring device are operative to at least collect and communicate information when the operator is operating the motor vehicle and when the operator is not operating the motor vehicle to determine qualification for insurance, cost of insurance or combinations thereof; wherein the information collected when the operator is operating the motor vehicle includes driving data; wherein the driving data is collected solely by the mobile device and the personal monitoring device without receiving such driving data from vehicle sensors; calculated or derived based on data solely collected by the mobile device and the personal monitoring device without receiving such data from vehicle sensors; or combinations thereof; and wherein the information collected when the operator is not operating the motor vehicle includes location; wherein the information collected when the operator is not operating the motor vehicle is used to identify additional information used for determining qualification for insurance, cost of insurance or combinations thereof; wherein the system further includes: at least one application software that resides on the mobile device and personal monitoring device; wherein the application software comprises a setup subsystem that is at least initiated when the user starts using the system; wherein the setup subsystem is operative to determine at least one trigger event used to activate or deactivate the application software; at least one central control system that is operative to collect, process and communicate at least a portion of information collected and/or derived by the mobile device and the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof; and at least one process to identify data issues in the information collected by the mobile device, the personal monitoring device or combinations thereof including the presence of duplicate data and data gaps; and at least one algorithm, wherein the algorithm is operative to determine qualification for insurance, cost of insurance or combinations thereof based at least on a portion of information collected by the mobile device and the personal monitoring device.”
There is additional summary information. Please visit full patent to read further.”
The claims supplied by the inventors are:
“1. A system for determining qualification for insurance, cost of insurance or combinations thereof for a motor vehicle operator, comprising: (a) at least one personal monitoring device, (i) wherein the personal monitoring device includes one or more mechanisms for wearing the personal monitoring device and/or attaching the personal monitoring device to the operator such that the personal monitoring device is worn by the operator and/or attached to the operator when the operator is operating the motor vehicle and when the operating is not operating the motor vehicle; (ii) wherein the personal monitoring device is not installed in the motor vehicle when the operator is operating the motor vehicle; (iii) wherein the personal monitoring device further comprises hardware including a local memory, a battery, and sensors; wherein the sensors include a health and fitness sensor, an accelerometer, and a gyroscope; and the personal monitoring device provides functions including a Global Positioning System (GPS) function and a communication function; (iv) wherein the personal monitoring device is operative to monitor and communicate information about an operator of the motor vehicle, including at least driving data that is collected when the operator is operating the motor vehicle; (v) wherein the driving data is solely collected by the personal monitoring device without receiving such driving data from vehicle sensors, calculated or derived based on data solely collected by the personal monitoring device without receiving such data from vehicle sensors, or combinations thereof; and (vi) wherein additional information including location is collected by the personal monitoring device when an operator is not operating the motor vehicle; wherein at least a portion of the information collected when the operator is not operating the motor vehicle is used to determine additional risk; (b) at least one application software resident on the personal monitoring device, (i) wherein the application software interfaces with the personal monitoring device hardware and functions to monitor and communicate information used for determining qualification for insurance, cost of insurance or combinations thereof; (ii) wherein the application software is activated and deactivated based on predetermined trigger events; and (iii) wherein the application software comprises a setup subsystem that is at least initiated when the user starts using the system; wherein the setup subsystem is operative to determine at least one trigger event used to activate or deactivate the application software; © at least one central control system that is operative to collect, process and communicate at least a portion of the information collected and/or derived by the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof; (d) at least one process to identify data issues in the information collected by the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof; wherein the data issues identified comprise presence of insufficient data, duplicate data, and data gaps; and (e) at least one algorithm, wherein the algorithm is operative to determine qualification for insurance, cost of insurance or combinations thereof for the operator based on at least a portion of the information collected by the personal monitoring device.
“2. The system of claim 1, further comprising at least one mobile device, (a) wherein the at least one mobile device is not installed in the motor vehicle being monitored; (b) wherein the mobile device further comprises hardware including a gyroscope, local memory, and a battery, and further provides functions including a Global Positioning System (GPS) function and a communication function; © wherein the mobile device further includes at least one application software resident on the mobile device; and (d) wherein the mobile device is operative to monitor and communicate additional information used to determine qualification for insurance, cost of insurance or combinations thereof for the operator.
“3. The system of claim 1, wherein the personal monitoring device is a smartwatch; a fitness tracker; a portable medical, health and fitness device; or combinations thereof.
“4. The system of claim 2, wherein the mobile device is a smartphone.
“5. The system of claim 1, wherein the insurance includes motor vehicle insurance.
“6. The system of claim 1, wherein the insurance includes health insurance.
“7. The system of claim 1, wherein the insurance includes life insurance.
“8. The system of claim 1, wherein the system is further operative to collect at least one use of personal monitoring device, mobile device or combinations thereof when the operator is operating the motor vehicle.
“9. A system for determining qualification for insurance, cost of insurance or combinations thereof for a motor vehicle operator, comprising: (a) at least one mobile device; wherein the mobile device is a portable device that is disposed in the motor vehicle but is not installed in the vehicle being monitored; (b) at least one personal monitoring device, (i) wherein the personal monitoring device includes one or more mechanisms for wearing the personal monitoring device and/or attaching the personal monitoring device to the operator such that the personal monitoring device is worn by the operator and/or attached to the operator when the operator is operating the motor vehicle and when the operator is not operating the motor vehicle; and (ii) wherein the personal monitoring device further comprises at least one health and fitness sensor; © wherein the mobile device and the personal monitoring device are not installed in the motor vehicle being monitored and do not interface with the vehicle to collect information used for determining qualification for insurance, cost of insurance or combinations thereof; (d) wherein the mobile device, the personal monitoring device or the combinations thereof comprises hardware including a local memory, a battery, and sensors; wherein the mobile device, the personal monitoring device or combinations thereof further provides functions including a Global Positioning System (GPS) function and a communication function; (e) wherein the mobile device and the personal monitoring device are operative to at least collect and communicate information when the operator is operating the motor vehicle and when the operator is not operating the motor vehicle to determine qualification for insurance, cost of insurance or combinations thereof, (i) wherein the information collected when the operator is operating the motor vehicle includes driving data; wherein the driving data is collected solely by the mobile device and the personal monitoring device without receiving such driving data from vehicle sensors; calculated or derived based on data solely collected by the mobile device and the personal monitoring device without receiving such data from vehicle sensors; or combinations thereof; and (ii) wherein the information collected when the operator is not operating the motor vehicle includes location; wherein the information collected when the operator is not operating the motor vehicle is used to identify additional information used for determining qualification for insurance, cost of insurance or combinations thereof; (f) at least one application software that resides on the mobile device and personal monitoring device; wherein the application software comprises a setup subsystem that is at least initiated when the user starts using the system; wherein the setup subsystem is operative to determine at least one trigger event used to activate or deactivate the application software; (g) at least one central control system that is operative to collect, process and communicate at least a portion of information collected and/or derived by the mobile device and the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof; (h) at least one process to identify data issues in the information collected by the mobile device, the personal monitoring device or combinations thereof including the presence of duplicate data and data gaps; and (i) at least one algorithm, wherein the algorithm is operative to determine qualification for insurance, cost of insurance or combinations thereof based at least on a portion of information collected by the mobile device and the personal monitoring device.
“10. The system of claim 9, wherein the mobile device is a smartphone and the personal monitoring device is a smartwatch; a fitness tracker; a portable medical, health and fitness device; or combinations thereof.
“11. The system of claim 9, wherein the system is further operative to collect the use of mobile device, personal mobile device or combinations thereof by the operator when driving the motor vehicle.
“12. The system of claim 9, wherein the insurance is motor vehicle insurance.
“13. The system of claim 9, wherein the insurance is health insurance.
“14. The system of claim 9, wherein the insurance is life insurance.”
There are additional claims. Please visit full patent to read further.
URL and more information on this patent application, see: Depura, Bhavna S.; Depura,
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