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    © All Rights Reserved
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    7 views15 pages

    Us 6064970

    Uploaded by

    Ramprasad Nagaraja

    Copyright:

    © All Rights Reserved
    Download as PDF or read online from Scribd
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    of 15
    United States Patent 11» MeMillan et al. [58] MOTOR VEHICLE MONITORING $ FOR DETERMINING A COST OF INSURANCE [75] Ioventors: Robert John MeMMillan, Tampa, Flas Alexander Dean Craig, Moreland Hills, Ohio; John Patrick Heinen, Tampa, Fa [73] Assignee: Progressive Casualty Insurance Company, Mayfield Vilage, Ohio [+]. Notice: This patent is subject to terminal dis- [21] Appl. No.: 09/135,084 [22] Filed: Aug. 17, 1998 Related US. Application Data [63] Contguation of application No, 08/592,958, Jan, 2, 1996, Pace S73 [Su] Int. C1? Go6K 17/60 [52] US.CL 70S /4, 340/439; 340,870.01; 3605; 702/1; 705/400 [58] Field of Search 340/439, 87001; 3005; TOL/17; 702/15 70574, 400 (56) References Cited USS. PATENT DOCUMENTS 3504337 3/1970 Ekman 01839 Sos7061 1/1978 Juhase 36055 42234926 11/1980 Wallace et “02/188 4288401 31981. uhase eal 70135 4553396211985 Decker 30/5 408.638 8/1986 Talks Sevan 4638.95 1/1987 Middlebrook et 3406s Sco7336 5/1987 Best S775 4745504 5/1988 Temes ea. To2ii41 4.763.785 | S1985 Eto etal rs0y143 4g0717 2/1989 Cleve et 3605 X 4820434 5/1989 Karmel tal 723806 X 4843463 6/1989 Miche 358/108 USO060649704, uy) Patent Number: 6,064,970 [45] Date of Patent: *May 16, 2000 4818578 61989 Wade s6ais6s ss3700° 81089 Omit Soar (Lis continued on next page) FOREIGN PATENT DOCUMENTS oen2388 81989 WIPO OTHER PUBLICATIONS “The Safest Cars of 91", Baig, Edward U.S. News & World Report v109, n22, p.71;Dee. 3, 1990. “Vendor's Spice Up Services”, Robert Deierlein, Beverage- World, v109, n1467, p82; Jun. 1990, Rosenberg, Martin; Alexander, Shephen A. , Rate Classifi- cation Reform in New Jersey. Best's Review (Prop/Casu- alty) vo, 92. No. 12, pp. 30-32, Apr. 1992, Kaneko, Tetsuya; Jovanis, Paul P, Multiday driving patteras and motor carrier accident risk. A disaggregate analysis. ‘Accident Analysis and Prevention, vol. 24, No. 5, pp. 437-456, Jan. 1, 1992, Primary Examiner—Baward R. Cosimano Attorney, Agent, or Finn—Fay, Sharpe, Fagan Minnich & ‘MeKee, LLP [57] ABSTRACT ‘A method and system of determining a cost of automobile insurance based upon monitoring, recording and communi cating data represeotative of operator and vehicle driving characteristics. The cost is adjustable retrospectively and cean be prospectively set by relating the driving characteris- tics to predetermined safety standards. The method com- prises steps of monitoring a plurality of raw data elements representative of an operating state of the vehicle or an action of the operator. Selected ones of the raw data ele~ ‘ments are recorded when the ones are determined to have an identified relationship to safety standards. The selected ones are consolidated for processing against an insurer profile and lor identifying a surcharge or discount to be applied to a base cost of automobile insurance. A fiaal cost is produced from the base costs and the surcharges or discounts, 15 Claims, 6 Drawing Sheets | 6,064,970 Pose? US. PATENT DOCUMENTS 53654519804 Wing a nnn 36889 fread sane unin SSE TADS ca avs 4,987,541 1/1991 Levente ef a. sss 364/424.04 econ 1996 Ousborae Tis Goo29is 21901. Mecracken Souizioa ——-SSO08N6 31996 Bellin etal. 36450839 5,055,851 10/1991 Sheffer 342/457, 5,548,273 8/1996 ve 340/499 5,111,289 5/1992 Lucas et al. 358/108, 5.550551 8/1996, 342/457 Sierras Oh a corey omar sim aac 2th aioe Snagit Sapien wr oe SB ioe Mes Sat Sonat ‘sos ean US. Patent May 16, 2000 Sheet 1 of 6 6,064,970 VEHICLE OPERATING 2 RECORD SENSOR INFORMATION IMMEDIATE UPLOAD ? 100 REVERIFY IN TWO MINUTES RECORD TRIGGER INFORMATION NOTIFY CENTRAL CONTROL CENTRAL CONTROL TAKE APPROPRIATE ACTION RECORD TRIGGER EVENT RESPONSE INFORMATION FIG. US. Patent May 16, 2000 Sheet 2 of 6 6,064,970 FIG.2 (seem) 204 202 VEHICLE SENSOR ACQUIRE RECORD FILE VEHICLE RECORD FILE 206 208 ACQUIRE TRIGGER EVENT RESPONSE FILE ! aa CONSOLIDATE FILES ACQUIRED PROCESS FILE AGAINST INSURED PROFILE PROCESS FILE AGAINST SURCHARGE ALGORITHM FILE TRIGGER EVENT RESPONSE FILE PRODUCE PERIODIC BILLS TO BE MAILED TO INSURED ACCOUNT STATEMENTS US. Patent May 16, 2000 Sheet 4 of 6 416 OPERATIONS CONTROL CENTER (eg COMMUNICATIONS LINK CELLULAR TELEPHONE ) 6,064,970 48 300 410 ON- BOARD 170 1) DRIVER DATA SUBSYSTEM — INPUT STORAGE | CONSOLE ON- BOARD COMPUTER 4l4 AND RECORDING SYSTEM REAL- TIME. ADDITIONAL, OPERATING SENSORS 412 S420 FIG.4 CPU AND MEMORY KERNEL J 406 | | 408 VEHICLE NAVIGATION | DATABUS AND SUBSYSTEM SENSORS 422 US. Patent May 16, 2000 COLLECT RAW DATA ELEMENTS GENERATE CALCULATED DATA ELEMENTS COLLECT DATABASE INFORMATION ELEMENTS GENERATE DERIVED DATA ELEMENTS STORE DATA SAMPLE INCIDENT CONDITION ? Sheet 5 of 6 FIG.5 502 506 508 510 INCIDENT SNAPSHOT CONDITION 6,064,970 6,064,970 Sheet 6 of 6 May 16, 2000 US. Patent MO14d SS390Ud NOILISINDOV VLVd JTOIHSA SS30ONd SONVYNSNI STSIH3A YOLOW SBIYVA- Bive 3JIdWvS (OLa ‘2p Zez- Su ‘6e) SLYOd O/| SNOIYNVA - 30vsu3LNI 9°9I4 (S)W31SAS TVNOILIGaV W3LSAS ALIUNDAS viva Sd9 Vivd SHAI S$39YNOS YBHLO ZHGI-Ol - alvy a1dWvs YOLISNNOO SZ6It 3VS- 3ovsy3aint Wid WOINL9373 - vivd Ado - Viva ANIONS - S39YNOS 31DIHZA GNVW3d NO - aLlvy SIdWVS BOVYOLS YALNdWOO- S2vsay3SLNi (ael 3YuNLNS) SNOILIGNOD AVMHOIH SNOIS JIdsvVeL SLINIT G3adS SdvW ' SSVEVLVd NOILVWYOINI 6,064,970 1 MOTOR VEHICLE MONITORING SYSTEM FOR DETERMINING A COST OF INSURANCE ‘This application is a continuation application of U.S. Ser. No. 08/592,958, filed Jan. 29, 1996, now U.S. Pat. No. 5,797,134. BACKGROUND OF THE INVENTION ‘The present invention relates to data acquisition and processing systems, and particularly to system for mon: toring motor vehicle operational characteristics and driver behavior to obtain inereased amounts of data relating to the safety of use for purposes of providing » more aecurate {determination of a cost of insurance forthe vehicle. ‘Conventional methods for determining costs of motor vehicle insurance involve gathering relevant historical data from a personal interview with the applicant for the insur- ance and by referencing the applicant's public motor vehicle

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