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    Incentivizing and/or penalizing vehicle renters based on telematics data
    3.
    发明授权
    Incentivizing and/or penalizing vehicle renters based on telematics data 有权

    公开(公告)号：US11257146B1

    公开(公告)日：2022-02-22

    申请号：US16266879

    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: G06Q30/06 ,  B60W40/06 ,  B60W40/04 ,  B60W40/09

    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 received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. For each driving behavior, a corresponding state of an environment of the rented vehicle when the driving behavior occurred is determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the corresponding state(s) of the environment of the rented vehicle.

    SYSTEM AND METHODS FOR PREDICTING RENTAL VEHICLE USE PREFERENCES
    5.
    发明公开
    SYSTEM AND METHODS FOR PREDICTING RENTAL VEHICLE USE PREFERENCES 审中-公开

    公开(公告)号：US20240078567A1

    公开(公告)日：2024-03-07

    申请号：US18507748

    申请日：2023-11-13

    Applicant: State Farm Mutual Automobile Insurance Company

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

    IPC: G06Q30/0202 ,  G06Q30/0645 ,  G06Q50/30

    CPC classification number: G06Q30/0202 ,  G06Q30/0645 ,  G06Q50/30

    Abstract: Embodiments described herein generate a first set of prompts, the first set of prompts configured to prompt a vehicle owner for a first set of answers used to learn preferred vehicle renter characteristics; receive the first set of answers; generate, based upon the first set of answers, a second set of prompts, the second set of prompts configured to prompt the owner for a second set of answers used to learn additional preferred vehicle renter characteristics; receive the second set of answers; predict user preference value(s) of a profile of the owner based upon the second set of answers, wherein the user preference value(s) define criteria for sharing a vehicle associated with the profile with vehicle renters who satisfy the criteria; apply the criteria to potential vehicle renters; and cause an indication of the vehicle to be displayed only to the potential vehicle renters who satisfy the criteria.

    System and method to monitor and alert vehicle operator of impairment
    9.
    发明授权
    System and method to monitor and alert vehicle operator of impairment 有权

    公开(公告)号：US10118488B1

    公开(公告)日：2018-11-06

    申请号：US15981388

    申请日：2018-05-16

    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.

    System and methods for determining rental eligibility based on contextual telematics data
    10.
    发明授权
    System and methods for determining rental eligibility based on contextual telematics data 有权

    公开(公告)号：US12248981B2

    公开(公告)日：2025-03-11

    申请号：US18587640

    申请日：2024-02-26

    Applicant: State Farm Mutual Automobile Insurance Company

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

    IPC: G06Q30/0645 ,  B60W40/04 ,  B60W40/06 ,  B60W40/09

    Abstract: Embodiments described herein, inter alia, receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by a potential renter during the period of time; identify, upon analyzing the telematics data, driving behavior(s) of the renter during the period of time; determine, for each driving behavior, a corresponding state of an environment of the vehicle when the driving behavior occurred; determine renter eligibility value(s) for the renter based on the driving behavior(s) and the corresponding state of an environment of the vehicle; compare the renter eligibility value(s) to user preference value(s) of a profile of a vehicle owner, wherein the user preference value(s) define one or more criteria for vehicle renters with whom the vehicle can be shared; and cause an indication of the vehicle associated with the profile to be displayed only if the renter satisfies the criteria.

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