公开(公告)号：US20150046197A1

公开(公告)日：2015-02-12

申请号：US14522038

申请日：2014-10-23

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Jufeng Peng ,  Brian Mark Fields ,  Paul Christopher Rutkowski ,  Benjamin F. Bowne ,  Steve C. Cielocha

IPC: B60W40/09 ,  G01B11/00 ,  G01W1/00 ,  G01P15/00

CPC classification number: B60W40/09 ,  B60W2520/105 ,  B60W2550/12 ,  B60W2550/14 ,  G01B11/00 ,  G01C21/3697 ,  G01P15/00 ,  G01W1/00 ,  G06Q10/0639 ,  G06Q10/0833 ,  G06Q40/08

Abstract: A method for using a mobile device arranged within a vehicle to provide risk analysis for a driver of the vehicle includes receiving sensor data representing information (i) collected by a sensor of the mobile device and (ii) indicative of a driving environment of the vehicle, storing the received sensor data in a memory, processing the stored sensor data to determine a set of one or more characteristics of the driving environment of the vehicle, and determining, based on the determined set of characteristics, a driving score indicative of risk for the driver of the vehicle.

Abstract translation: 一种使用布置在车辆内的移动设备以为车辆的驾驶者提供风险分析的方法包括接收表示由移动设备的传感器收集的信息（i）的传感器数据和（ii）指示车辆的驾驶环境 将接收到的传感器数据存储在存储器中，处理所存储的传感器数据以确定车辆的驾驶环境的一个或多个特性的集合，以及基于所确定的一组特征，确定表示风险的驾驶分数 车的司机。

公开(公告)号：US10600126B1

公开(公告)日：2020-03-24

申请号：US15782382

申请日：2017-10-12

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Nicholas R. Baker ,  David W. Thurber ,  Paul Christopher Rutkowski ,  Benjamin F. Bowne

IPC: G06Q40/08 ,  G07C5/00

Abstract: Client side and server side methods for combining data originating from an On Board Diagnostics (OBD) cap with data originating from a client computing device are presented. The method includes receiving, from a client computing device via a computer network, a plurality of OBD cap data originating from an OBD cap and receiving, from the client computing device via the computer network, a plurality of client computing device data originating from the client computing device. The method also includes selecting, at a processor, a first data parameter from the plurality of OBD cap data and selecting, at the processor, a second data parameter from the plurality of client computing device data. The method further includes analyzing, at the processor, the first data parameter and the second data parameter and flagging, at the processor, an insurance account associated with the OBD device as a result of the analysis.

公开(公告)号：US09830662B1

公开(公告)日：2017-11-28

申请号：US14215789

申请日：2014-03-17

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Nicholas R. Baker ,  David W. Thurber ,  Paul Christopher Rutkowski ,  Benjamin F. Bowne

IPC: G06Q40/08 ,  G07C5/00 ,  G06Q40/00

CPC classification number: G06Q40/08 ,  G07C5/008

Abstract: Client side and server side methods for combining data originating from an On Board Diagnostics (OBD) cap with data originating from a client computing device are presented. The method includes receiving, from a client computing device via a computer network, a plurality of OBD cap data originating from an OBD cap and receiving, from the client computing device via the computer network, a plurality of client computing device data originating from the client computing device. The method also includes selecting, at a processor, a first data parameter from the plurality of OBD cap data and selecting, at the processor, a second data parameter from the plurality of client computing device data. The method further includes analyzing, at the processor, the first data parameter and the second data parameter and flagging, at the processor, an insurance account associated with the OBD device as a result of the analysis.