Risk evaluation based on vehicle operator behavior

US10089692B1 · kind B1 · utility

Assignee

• State Farm Mutual Automobile Insurance Company · US

Inventors

• Kenneth Jason Sanchez · San Francisco, US
• Aaron Scott Chan · San Jose, US
• Matthew Baker · Franklin, US
• Matthew Zettinger · Glen Ellyn, US
• John A. Nepomuceno · Bloomington, US
• Brian Mark Fields · Phoenix, US

Key dates

• Filing date: Jan 8, 2015
• Grant date: Oct 2, 2018
• Expiry date: Jan 8, 2035

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method comprises retrieving data about vehicle operator behavior via a computer network and clustering the data about vehicle operator behavior into a plurality of groups of data, each of the plurality of groups of data representing a type of movement of the vehicle operator. The method further includes determining a numerical level of risk corresponding to each of the plurality of groups of data by executing a learning routine and generating a communication to be transmitted to user of a remote computing device. The communication is based on the one or more of the numerical levels of risk or the types of movements corresponding to the plurality of groups of data.