公开(公告)号：US10668930B1

公开(公告)日：2020-06-02

申请号：US16267047

申请日：2019-02-04

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Brian N. Harvey ,  Joseph Robert Brannan ,  J. Lynn Wilson ,  Matthew Eric Riley, Sr. ,  Ryan Gross

IPC: G08B23/00 ,  B60W40/09 ,  G06Q50/30 ,  G06Q30/06 ,  G07C5/00

Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is also received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. One or more characteristics of the rented vehicle are also determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the one or more characteristics of the rented vehicle.

公开(公告)号：US10402907B2

公开(公告)日：2019-09-03

申请号：US13763231

申请日：2013-02-08

Applicant: State Farm Mutual Automobile Insurance Company ,  Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  Nick U. Christopulos ,  Brian Mark Fields ,  J Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

Inventor： Benjamin F. Bowne ,  Jufeng “James” Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley, Sr. ,  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 ,  H04W4/40 ,  H04L29/08

Abstract: A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a remote computer receives the collected vehicle operation data from a mobile device and calculates an insurance premium based at least in part on the collected vehicle operation data. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a server receives collected vehicle operation data, a database stores the collected vehicle operation data, and a rating engine determines a vehicle insurance premium based at least in part on collected vehicle operation data.

公开(公告)号：US10118487B1

公开(公告)日：2018-11-06

申请号：US15005300

申请日：2016-01-25

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Matthew Eric Riley, Sr. ,  Gregory Dwayne Carter ,  James M. Freeman ,  Vaidya Balasubramanian Pillai ,  Jason Chang ,  David W. Thurber

IPC: G08B23/00 ,  B60K28/06 ,  B60W40/08

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

公开(公告)号：US09283847B2

公开(公告)日：2016-03-15

申请号：US14269490

申请日：2014-05-05

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Matthew Eric Riley, Sr. ,  Gregory Dwayne Carter ,  James M. Freeman ,  Vaidya Balasubramanian Pillai ,  Jason Chang ,  David W. Thurber

IPC: G08B23/00 ,  B60K28/06 ,  B60W40/08

CPC classification number: B60K28/066 ,  A61B5/0077 ,  A61B5/02055 ,  A61B5/024 ,  A61B5/0476 ,  A61B5/0533 ,  A61B5/18 ,  A61B5/6802 ,  A61B5/7455 ,  A61B5/746 ,  A61B2562/0219 ,  B60W40/08 ,  B60W50/16 ,  B60W2040/0818 ,  B60W2040/0827 ,  B60Y2400/902 ,  G08B21/06

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

Abstract translation: 方法，系统和计算机可读介质便于在车辆操作过程中监视车辆操作者，以确定车辆操作者是否受损（例如，分心，困倦，醉人），并且使用由 当检测到损伤时，由车辆操作者佩戴的可穿戴计算装置。 方法，系统和计算机可读介质可以使用包括光学传感器或加速度计的各种传感器来监视车辆操作者，车辆周围的环境和/或作用在车辆上的力。 特别地，光学传感器可以监视车辆操作者以检测眨眼，头部头部，头部旋转和/或注视固定。 光学传感器还可以监视车辆前方的道路，以检测车道偏离，车道居中和碰撞时间。 加速度计可以检测车辆行驶方向和/或横向加速度的加速度。