公开(公告)号：US10424022B2

公开(公告)日：2019-09-24

申请号：US15414268

申请日：2017-01-24

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Benjamin F. Bowne ,  James Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  Nicholas Christopulos ,  Brian Mark Fields ,  J. Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

IPC: G06Q40/08 ,  G06Q10/06 ,  G06Q10/08 ,  B60W40/09 ,  G06Q40/04 ,  G07C5/08 ,  H04W4/04 ,  G01S19/13 ,  G06Q30/02 ,  G07C5/00 ,  H04W4/02 ,  G01C21/36 ,  H04W4/40 ,  H04L29/08

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.