Invention Grant
US09165326B1 System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment
有权
基于有关潜在车辆操作人员损失的实时数据调整保险费率的制度和方法
- Patent Title: System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment
- Patent Title (中): 基于有关潜在车辆操作人员损失的实时数据调整保险费率的制度和方法
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Application No.: US14484922Application Date: 2014-09-12
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Publication No.: US09165326B1Publication Date: 2015-10-20
- Inventor: Jibo He , Brian Mark Fields , Steve Roberson , Steve C. Cielocha , Jufeng Peng , Julian Coltea
- Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- Applicant Address: US IL Bloomington
- Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- Current Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- Current Assignee Address: US IL Bloomington
- Agency: Marshall, Gerstein & Borun LLP
- Agent Randall G. Rueth
- Main IPC: G06Q40/08
- IPC: G06Q40/08 ; G06N99/00 ; A61B5/18

Abstract:
A method includes receiving data about potential impairment of a vehicle operator, wherein the data about potential impairment is generated by: (i) a first optical sensor monitoring a vehicle operator, and (ii) a second optical sensor monitoring an environment ahead of a vehicle operated by the vehicle operator. The computer-implemented method further includes assigning a plurality of scores based on the data about potential vehicle operator impairment, wherein each of the plurality of scores corresponds to a respective impairment indicator, determining an impairment score by performing a mathematical operation on the plurality of scores, and providing the impairment score to a remote device configured to alert the vehicle operator based on the impairment score.
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