公开(公告)号：US10304139B2

公开(公告)日：2019-05-28

申请号：US14630738

申请日：2015-02-25

Applicant: State Farm Mutual Automobile Insurance Company

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

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

Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.