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公开(公告)号：US10803529B2
公开(公告)日：2020-10-13
申请号：US16196931
申请日：2018-11-20
摘要： A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.
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公开(公告)号：US20170270617A1
公开(公告)日：2017-09-21
申请号：US15614236
申请日：2017-06-05
CPC分类号： G06Q40/08 , B60W40/09 , G07C5/00 , G08G5/0039
摘要： A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.
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公开(公告)号：US10787122B2
公开(公告)日：2020-09-29
申请号：US16556785
申请日：2019-08-30
摘要： A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal. The description includes a second transceiver remote from the vehicle that receives a transmitted condition, and compares that condition to received conditions from other vehicles and provides feedback to adjust the use of the vehicle based on the comparison, and a user interface for providing feedback to a user including at least one of visual indication, audible indication, and physically altering the use of the vehicle. The description includes coupling of the plurality of sensors to the control unit with a controller area bus (CAN). The first transmitter may transmit over an RF network.
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公开(公告)号：US20180339653A1
公开(公告)日：2018-11-29
申请号：US16036566
申请日：2018-07-16
CPC分类号： B60Q9/00 , G06Q40/08 , G07C5/008 , G07C5/0825 , G07C5/0841
摘要： A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal. The description includes a second transceiver remote from the vehicle that receives a transmitted condition, and compares that condition to received conditions from other vehicles and provides feedback to adjust the use of the vehicle based on the comparison, and a user interface for providing feedback to a user including at least one of visual indication, audible indication, and physically altering the use of the vehicle. The description includes coupling of the plurality of sensors to the control unit with a controller area bus (CAN). The first transmitter may transmit over an RF network.
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公开(公告)号：US10023114B2
公开(公告)日：2018-07-17
申请号：US15181237
申请日：2016-06-13
摘要： A system and method configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters is described. The description includes a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit. The description includes a control unit that receives the generated signal from each of a plurality of sensors, the control unit including a memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors. The description includes a first transmitter coupled to the control unit capable of transmitting the combined signal. The description includes a second transceiver remote from the vehicle that receives a transmitted condition, and compares that condition to received conditions from other vehicles and provides feedback to adjust the use of the vehicle based on the comparison, and a user interface for providing feedback to a user including at least one of visual indication, audible indication, and physically altering the use of the vehicle. The description includes coupling of the plurality of sensors to the control unit with a controller area bus (CAN). The first transmitter may transmit over an RF network.
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公开(公告)号：US20150187014A1
公开(公告)日：2015-07-02
申请号：US14145165
申请日：2013-12-31
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： A system for determining insurance pricing information based on telematics data, the system comprising, a processor configured to generate a driver proxy score (DPS) based on a combination of rating variables in a conventional class plan; the processor, configured to receive information associated with telematics data received from a telematics device, wherein the telematics data includes a plurality of risk factors; the processor further configured to determine a driver telematics score (DTS) based on the information associated with the telematics data; the processor further configured to generate an expectation based rating, based on the DPS and the DTS, which measures a variance of the telematics data from the expected value; the processor further configured to update pricing information based on the determined expectation based rating; and a transmitter configured to transmit the updated pricing information to a user device.
摘要翻译： 一种用于基于远程信息处理数据确定保险定价信息的系统，所述系统包括：处理器，被配置为基于常规类计划中的评级变量的组合生成驾驶员代理评分（DPS）; 所述处理器被配置为接收与从远程信息处理设备接收的远程信息数据相关联的信息，其中所述远程信息处理数据包括多个风险因素; 所述处理器还被配置为基于与所述远程信息处理数据相关联的信息来确定驾驶员远程信息处理分数（DTS）; 所述处理器还被配置为基于所述DPS和DTS产生基于期望的评级，所述DPS和DTS测量所述远程信息处理数据与所述预期值的差异; 处理器还被配置为基于所确定的基于期望的评级来更新定价信息; 以及发射机，被配置为将更新的定价信息发送到用户设备。
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公开(公告)号：US10380699B2
公开(公告)日：2019-08-13
申请号：US15614236
申请日：2017-06-05
摘要： A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.
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公开(公告)号：US09672569B2
公开(公告)日：2017-06-06
申请号：US14715272
申请日：2015-05-18
CPC分类号： G06Q40/08 , B60W40/09 , G07C5/00 , G08G5/0039
摘要： A system and method are disclosed herein to receive preliminary telematics data collected by a smartphone and actual telematics data collected by a data collection device. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores the data indicative of preliminary telematics data collected by the smartphone, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to calculate an initial benefit based upon the preliminary telematics data, and apply the initial benefit in exchange for receiving the data indicative of actual telematics data via the data collection device within the vehicle. When the received data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final benefit based on the actual telematics data.
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公开(公告)号：US20160117777A1
公开(公告)日：2016-04-28
申请号：US14524589
申请日：2014-10-27
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： A cash value feature is associated with a property and/or casualty insurance policy. Information is received about an insurance claim associated with the insurance policy. It is determined whether the insurance claim is covered by the cash value feature. The currently funded monetary value of the cash value feature is also determined The amount payable to the policy holder attributable to the cash value feature is also determined A payment of that amount to the policy holder is facilitated.
摘要翻译： 现金价值特征与财产和/或伤亡保险相关联。 收到有关与保险单相关的保险索赔的信息。 确定保险索赔是否由现金价值特征所涵盖。 现金价值特征的现有资金货币价值也确定了应付给现金价值特征的保单持有人的金额也被确定了对保单持有人的支付金额。
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公开(公告)号：US09111316B2
公开(公告)日：2015-08-18
申请号：US14281501
申请日：2014-05-19
CPC分类号： G06Q40/08 , B60W40/09 , G07C5/00 , G08G5/0039
摘要： A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.
摘要翻译： 本文公开了一种基于远程信息处理数据确定保险费优惠的系统和方法。 该系统包括与计算机存储器通信的计算机存储器和处理器。 计算机存储器存储从车辆内的传感器接收的指示远程信息数据的数据，包括车辆的地理位置信息和车辆运动学数据中的至少一个。 处理器被配置为基于远程信息处理数据来识别安全事件和相关联的安全事件位置。 处理器还被配置为向驾驶员显示地图显示器上的安全事件的指示以及与其他驱动程序相关联的安全事件的指示。
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