公开(公告)号：US20140257870A1

公开(公告)日：2014-09-11

申请号：US14203210

申请日：2014-03-10

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Steven Cielocha ,  Todd Binion ,  Scott Thomas Christensen ,  Gregory Hayward ,  Christopher E. Gay

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

Abstract: A computer implemented method for providing insurance receives vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors. The method also analyzes the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component. The method further determines that the driving pattern indicates a change in the rating and adjusts the rating data component. The method further processes one or more insurance options based at least in part on the changed rating.

Abstract translation: 用于提供保险的计算机实施方法接收指示车辆的一个或多个驾驶操纵的车辆数据，其中车辆数据来自一个或多个传感器。 该方法还分析接收到的车辆数据以确定与车辆的一个或多个操作者相关联的驾驶模式，其中驾驶模式包括多个驾驶操作，并且车辆对应于具有评级数据组件的保险单数据结构。 该方法进一步确定驾驶模式指示评级的变化并调整评级数据组件。 该方法至少部分地基于改变的等级来进一步处理一个或多个保险期权。