Systems and methods to identify and profile a vehicle operator

US8738523B1 · 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
• Brian Mark Fields · Phoenix, US
• John A. Nepomuceno · Bloomington, US

Key dates

• Filing date: May 20, 2013
• Grant date: May 27, 2014
• Expiry date: May 20, 2033

Classification

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

Abstract

A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle. A driver is then identified based on the plurality of risk variables, and a risk profile is developed for the driver. The development of the risk profile involves determining the risk associated with at least some of the risk variables and generating a risk index, the risk index being a collective measure of risk associated with the driver.