“Transportation Analytics Systems And Methods Using A Mobility Device Embedded Within A Vehicle” in Patent Application Approval Process (USPTO 20240029174): Patent Application

2024 FEB 09 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent application by the inventor Cope, Craig (Bloomington, IL, US), filed on September 29, 2023, was made available online on January 25, 2024, according to news reporting originating from Washington, D.C., by NewsRx correspondents.

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: “Individuals use mobile devices (e.g., mobile telephones) for a variety of purposes and often carry mobile devices while traveling. Such usage may be source of data. For example, mobile devices may be equipped to generate data (e.g., telematics data) using instruments built into the mobile device, such as an accelerometer or global positioning system (GPS) device. This data obtained from mobile devices may be useful for a variety of applications.

“However, there may be current limitations in the ability of computing devices to utilize such data in automated processes. For example, known usage-based insurance applications may have several drawbacks or limitations. In order to implement these applications, different forms of information may need to be reconciled by human beings, which may result in lack of timeliness, inaccuracies, inconvenience, or other drawbacks. Further, the premium may vary from period to period, which increases the complexity of the payment process for insured users, insurers, and/or other entities related to the insurance transaction.”

In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventor’s summary information for this patent application: “The present embodiments may relate to, inter alia, systems and methods for generating transportation analytics using a mobility device embedded within a vehicle. In one aspect, an improved system and method may provide usage-based insurance (UBI) based upon an individual driver’s actual driving behavior determined from telematics data. UBI may include insurance that is paid for by time or distance. For instance, UBI may provide insurance coverage by mile traveled, or by period of time-such as hourly, daily, weekly, or monthly insurance or insurance by the hour, day, week, month, or other time period.

“In exemplary embodiments, the systems and methods may be performed by a transportation analytics (“TA”) computing device. The TA computing device may collect and analyze telematics data (e.g., acceleration, position, velocity, orientation, etc.) gathered by a mobile device of a user during a trip of the user. For example, the user may use the mobile device to obtain a ride via a transportation platform (e.g., a rideshare, bike share, and/or powered scooter share platform), and the TA computing device may receive telematics data collected by the mobile device during the ride. Additionally, the user may obtain a ride using a transportation device (e.g., a motor vehicle, bicycle, powered scooter, and/or other transportation device) capable of communicatively linking to the mobile device of the user, and the TA computing device may receive telematics data from the mobile device collected during the trip taken using the linked vehicle. The TA computing device may identify trips based upon the telematics data and use the telematics data to analyze the transportation behavior of the user, for example, to calculate an insurance premium. An insurer and/or transportation platform may provide an insurance subscription to the user that may have a premium that is calculated based upon use of the transportation platform. The TA computing device may, in response to calculating the insurance premium, automatically transfer the insurance premium from the insured user to the insurer.

“In one aspect, a transportation analytics (TA) computing device may be provided. The TA computing device may include at least one processor and/or associated transceiver in communication with at least one memory device. The at least one processor and/or associated transceiver may be configured to: (1) receive, from a user mobile device corresponding to a user, telematics data corresponding to a trip taken using a transportation platform; (2) store, for each trip, the telematics data in a database in association with a trip identifier and a timestamp; (3) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; (4) calculate, in response to identifying the telematics data, based upon the identified telematics data, a premium amount; and/or (5) transfer, in response to calculating the premium amount, the premium amount from a transportation platform account associated with the transportation platform to an insurer account associated with an insurer. The TA computing device may include additional, less, or alternate functionality, including that discussed elsewhere herein.

“In another aspect, a computer-implemented method for transportation analytics may be provided. The computer-implemented method may be performed by a transportation analytics (TA) computing device including at least one processor and/or associated transceiver in communication with at least one memory device. The computer-implemented method may include (1) receiving, by the TA computing device, from a user mobile device corresponding to a user, telematics data corresponding to a trip taken using a transportation platform; (2) storing, by the TA computing device, for each trip, the telematics data in a database in association with a trip identifier and a timestamp; (3) performing, by the TA computing device, a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; (4) calculating, by the TA computing device, in response to identifying the telematics data, based upon the identified telematics data, a premium amount; and/or (5) transferring, by the TA computing device, in response to calculating the premium amount, the premium amount from a transportation platform account associated with the transportation platform to an insurer account associated with an insurer. The computer-implemented method may include additional, less, or alternate actions, including those discussed elsewhere herein.

“In another aspect, at least one non-transitory computer-readable media having computer-executable instructions embodied thereon may be provided. When executed by a transportation analytics (TA) computing device including at least one processor and/or associated transceiver in communication with at least one memory device, the computer-executable instructions may cause the at least one processor and/or associated transceiver to (1) receive, from a user mobile device corresponding to a user, telematics data corresponding to a trip taken using a transportation platform; (2) store, for each trip, the telematics data in a database in association with a trip identifier and a timestamp; (3) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; (4) calculate, in response to identifying the telematics data, based upon the identified telematics data, a premium amount; and/or (5) transfer, in response to calculating the premium amount, the premium amount from a transportation platform account associated with the transportation platform to an insurer account associated with an insurer. The computer-executable instructions may direct additional, less, or alternate functionality, including that discussed elsewhere herein.

“In another aspect, a transportation analytics (TA) computing device may be provided. The TA computing device may include at least one processor and/or associated transceiver in communication with at least one memory device and a user mobile device corresponding to a user. The at least one processor and/or associated transceiver may be configured to: (1) receive, from the user mobile device, telematics data including an indicator that the user mobile device is communicatively linked to a transportation device; (2) identify each period that the user mobile device is communicatively linked to the transportation device as a trip using the transportation device; (3) store, the telematics data in a database in association with a trip identifier corresponding to the identified trips and a time stamp; (4) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; and/or (5) calculate, based upon the identified telematics data, a premium amount for insuring the user during the trips taken using the transportation device during the time period. The TA computing device may include additional, less, or alternate functionality, including that discussed elsewhere herein.

“In another aspect, a computer-implemented method for transportation analytics may be provided. The computer-implemented method may be performed by a transportation analytics (TA) computing device including at least one processor and/or associated transceiver in communication with at least one memory device and a user mobile device corresponding to a user. The computer-implemented method may include (1) receiving, by the TA computing device, from the user mobile device, telematics data including an indicator that the user mobile device is communicatively linked to a transportation device; (2) identifying, by the TA computing device, each period that the user mobile device is communicatively linked to the transportation device as a trip using the transportation device; (3) storing, by the TA computing device, the telematics data in a database in association with a trip identifier corresponding to the identified trips and a time stamp; (4) performing, by the TA computing device, a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; and/or (5) calculating, by the TA computing device, based upon the identified telematics data, a premium amount for insuring the user during the trips taken using the transportation device during the time period. The computer-implemented method may include additional, less, or alternate actions, including those discussed elsewhere herein.

“In another aspect, at least one non-transitory computer-readable media having computer-executable instructions embodied thereon may be provided. When executed by a transportation analytics (TA) computing device including at least one processor and/or associated transceiver in communication with at least one memory device and a user mobile device corresponding to a user, the computer-executable instructions may cause the at least one processor and/or associated transceiver to (1) receive, from the user mobile device, telematics data including an indicator that the user mobile device is communicatively linked to a transportation device; (2) identify each period that the user mobile device is communicatively linked to the transportation device as a trip using the transportation device; (3) store the telematics data in a database in association with a trip identifier corresponding to the identified trips and a time stamp; (4) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; and/or (5) calculate, based upon the identified telematics data, a premium amount for insuring the user during the trips taken using the transportation device during the time period. The computer-executable instructions may direct additional, less, or alternate functionality, including that discussed elsewhere herein.”

There is additional summary information. Please visit full patent to read further.”

The claims supplied by the inventors are:

“1. A computing device comprising at least one processor in communication with at least one memory device and a user mobile device corresponding to a user, the user mobile device configured to communicatively link to a plurality of transportation devices associated with a transportation network, the at least one processor configured to: gather, from the user mobile device, telematics data for determining a subscription amount for the user using the transportation network during a predefined time period and for insuring the user using the transportation network, wherein the user mobile device is configured to transmit the telematics data in response to the user mobile device being communicatively linked to a transportation device of the plurality of transportation devices; store the telematics data in a database in association with a time stamp and an identifier indicating which transportation device of the plurality of transportation devices is associated with the telematics data; calculate the subscription amount based upon telematics data corresponding to the predefined time period, the subscription amount to be transferred from the user to the transportation network; and cause the user mobile device to display the calculated subscription amount.

“2. The computing device of claim 1, wherein the telematics data includes telematics data associated with more than one transportation device of the plurality of transportation devices.

“3. The computing device of claim 1, wherein the at least one processor is further configured to: compute a premium amount based upon at least one of the subscription amount and the telematics data; and transfer the premium amount from a transportation network account associated with the transportation network to an insurer account associated with an insurer.

“4. The computing device claim 1, wherein the at least one processor is further configured to transfer the subscription amount from a user account associated with the user to a transportation network account associated with the transportation network.

“5. The computing device of claim 1, wherein the plurality of transportation devices include at least one of a motor vehicle, a bicycle, or powered scooter.

“6. The computing device of claim 1, wherein the user mobile device is configured to be communicatively linked to the plurality of transportation devices via at least one of a physical coupling or a wireless coupling.

“7. The computing device of claim 1, wherein the at least one processor is further configured to: identify each period the user mobile device is communicatively linked to one of the plurality of transportation devices as a trip; and store the telematics data in the database further in association with a trip identifier corresponding to the identified trip.

“8. A computer-implemented method performed by a computing device including at least one processor in communication with at least one memory device and a user mobile device corresponding to a user, the user mobile device configured to communicatively link to a plurality of transportation devices associated with a transportation network, the computer-implemented method comprising: gathering, from the user mobile device, telematics data for determining a subscription amount for the user using the transportation network during a predefined time period and for insuring the user using the transportation network, wherein the user mobile device is configured to transmit the telematics data in response to the user mobile device being communicatively linked to a transportation device of the plurality of transportation devices; storing the telematics data in a database in association with a time stamp and an identifier indicating which transportation device of the plurality of transportation devices is associated with the telematics data; calculating the subscription amount based upon telematics data corresponding to the predefined time period, the subscription amount to be transferred from the user to the transportation network; and causing the user mobile device to display the calculated subscription amount.

“9. The computer-implemented method of claim 8, wherein the telematics data includes telematics data associated with more than one transportation device of the plurality of transportation devices.

“10. The computer-implemented method of claim 8, further comprising: computing a premium amount based upon at least one of the subscription amount and the telematics data; and transferring the premium amount from a transportation network account associated with the transportation network to an insurer account associated with an insurer.

“11. The computer-implemented method of claim 8, further comprising transferring the subscription amount from a user account associated with the user to a transportation network account associated with the transportation network.

“12. The computer-implemented method of claim 8, wherein the plurality of transportation devices include at least one of a motor vehicle, a bicycle, or powered scooter.

“13. The computer-implemented method of claim 8, wherein the user mobile device is configured to be communicatively linked to the plurality of transportation devices via at least one of a physical coupling or a wireless coupling.

“14. The computer-implemented method of claim 8, further comprising: identifying each period the user mobile device is communicatively linked to one of the plurality of transportation devices as a trip; and storing the telematics data in the database further in association with a trip identifier corresponding to the identified trip.

“15. At least one non-transitory computer-readable media having computer-executable instructions embodied thereon, wherein when executed by a computing device including at least one processor in communication with at least one memory device and a user mobile device corresponding to a user, the user mobile device configured to communicatively link to a plurality of transportation devices associated with a transportation network, the computer-executable instructions cause the at least one processor to: gather, from the user mobile device, telematics data for determining a subscription amount for the user using the transportation network during a predefined time period and for insuring the user using the transportation network, wherein the user mobile device is configured to transmit the telematics data in response to the user mobile device being communicatively linked to a transportation device of the plurality of transportation devices; store the telematics data in a database in association with a time stamp and an identifier indicating which transportation device of the plurality of transportation devices is associated with the telematics data; calculate the subscription amount based upon telematics data corresponding to the predefined time period, the subscription amount to be transferred from the user to the transportation network; and cause the user mobile device to display the calculated subscription amount.

“16. The at least one non-transitory computer-readable media of claim wherein the telematics data includes telematics data associated with more than one transportation device of the plurality of transportation devices.

“17. The at least one non-transitory computer-readable media of claim wherein the computer-executable instructions further cause the at least one processor to: compute a premium amount based upon at least one of the subscription amount and the telematics data; and transfer the premium amount from a transportation network account associated with the transportation network to an insurer account associated with an insurer.

“18. The at least one non-transitory computer-readable media of claim wherein the computer-executable instructions further cause the at least one processor to transfer the subscription amount from a user account associated with the user to a transportation network account associated with the transportation network.

“19. The at least one non-transitory computer-readable media of claim wherein the plurality of transportation devices include at least one of a motor vehicle, a bicycle, or powered scooter.

“20. The at least one non-transitory computer-readable media of claim wherein the user mobile device is configured to be communicatively linked to the plurality of transportation devices via at least one of a physical coupling or a wireless coupling.”

URL and more information on this patent application, see: Cope, Craig. Transportation Analytics Systems And Methods Using A Mobility Device Embedded Within A Vehicle. U.S. Patent Application Number 20240029174, filed September 29, 2023 and posted January 25, 2024. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20240029174)&db=US-PGPUB&type=ids

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