U.S. patent application number 13/466902 was filed with the patent office on 2013-11-14 for systems and methods for insurance based on monitored characteristics of an autonomous drive mode selection system.
This patent application is currently assigned to ELWHA LLC. The applicant listed for this patent is Roderick A. Hyde, Jordin T. Kare, David B. Tuckerman. Invention is credited to Roderick A. Hyde, Jordin T. Kare, David B. Tuckerman.
Application Number | 20130304513 13/466902 |
Document ID | / |
Family ID | 49549354 |
Filed Date | 2013-11-14 |
United States Patent
Application |
20130304513 |
Kind Code |
A1 |
Hyde; Roderick A. ; et
al. |
November 14, 2013 |
SYSTEMS AND METHODS FOR INSURANCE BASED ON MONITORED
CHARACTERISTICS OF AN AUTONOMOUS DRIVE MODE SELECTION SYSTEM
Abstract
A property of an insurance policy may be determined, at least in
part, upon characteristics of a vehicle autonomous drive mode
selection system. The characteristics may pertain to any
capability, configuration, and/or operating state of the autonomous
drive mode selection system (and/or vehicle). For example, a
property of the insurance policy may be based upon whether the
autonomous drive mode selection system is enabled or disabled. In
some embodiments, the property of the insurance policy may be based
upon which of one or more autonomous driving modes is selected via
an autonomous drive mode selection system. The property of the
insurance policy may be dynamic, and may be updated in response to
changes to the autonomous drive mode selection system.
Inventors: |
Hyde; Roderick A.; (Redmond,
WA) ; Kare; Jordin T.; (Seattle, WA) ;
Tuckerman; David B.; (Lafayette, CA) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Hyde; Roderick A.
Kare; Jordin T.
Tuckerman; David B. |
Redmond
Seattle
Lafayette |
WA
WA
CA |
US
US
US |
|
|
Assignee: |
ELWHA LLC
Bellevue
WA
|
Family ID: |
49549354 |
Appl. No.: |
13/466902 |
Filed: |
May 8, 2012 |
Current U.S.
Class: |
705/4 |
Current CPC
Class: |
G06Q 40/08 20130101 |
Class at
Publication: |
705/4 |
International
Class: |
G06Q 40/08 20120101
G06Q040/08 |
Claims
1. A method, comprising: monitoring a characteristic of an
autonomous drive mode selection system of a vehicle via an
electronic monitoring system; electronically providing real-time
advice to an operator suggesting a modification to the monitored
characteristic of the autonomous drive mode selection system,
wherein the implementation of the suggested modification to the
monitored characteristic will change a property of an insurance
policy; and providing information pertaining to the characteristic
to an insurer of the insurance policy in response to the operator
implementing the suggested modification to the monitored
characteristic of the autonomous drive mode selection system.
2. (canceled)
3. The method of claim 1, further comprising transmitting the
information pertaining to the characteristic to the insurer via a
communication network.
4-7. (canceled)
8. The method of claim 1, further comprising encrypting the
information pertaining to the characteristic.
9-11. (canceled)
12. The method of claim 1, wherein monitoring comprises monitoring
real-time information pertaining to the characteristic of the
autonomous drive mode selection system during vehicle
operation.
13. The method of claim 12, further comprising providing the
real-time information pertaining to the characteristic of the
autonomous drive mode selection system to the insurer.
14-24. (canceled)
25. The method of claim 1, wherein the insurer uses the information
pertaining to the characteristic to determine a property of an
insurance policy.
26. (canceled)
27. The method of claim 25, wherein the insurance policy comprises
a vehicle insurance policy.
28-50. (canceled)
51. The method of claim 1, wherein the characteristic relates to a
selection of an autonomous driving mode selected via the autonomous
drive mode selection system.
52. The method of claim 51, wherein the autonomous drive mode
selection system comprises at least one selectable autonomous
driving mode.
53. The method of claim 52, wherein the autonomous driving mode
comprises a local robotically-controlled mode.
54. The method of claim 52, wherein the autonomous driving mode
comprises a remote manually-controlled mode.
55. The method of claim 52, wherein the autonomous driving mode
comprises a remote robotically-controlled mode.
56-58. (canceled)
59. The method of claim 1, wherein the characteristic of the
autonomous drive mode selection system comprises an indication of
whether the autonomous drive mode selection system has been
overridden by an operator of the vehicle.
60-79. (canceled)
80. The method of claim 1, wherein the real-time advice comprises
an instruction to select a remote manually-controlled mode via the
autonomous drive mode selection system.
81-91. (canceled)
92. The method of claim 1, wherein the real-time advice comprises
an instruction to select a local robotically-controlled mode via
the autonomous drive mode selection system.
93-102. (canceled)
103. The method of claim 1, further comprising providing
information pertaining to an operator condition associated with an
operator of the vehicle to the insurer of the insurance policy.
104-112. (canceled)
113. The method of claim 1, further comprising: monitoring an
external condition associated with the vehicle; and providing
information pertaining to the external condition to the insurer of
the insurance policy.
114-118. (canceled)
119. The method of claim 113, wherein the external condition
comprises a weather condition.
120-132. (canceled)
133. The method of claim 1, wherein the characteristic comprises a
history of characteristics of the autonomous drive mode selection
system.
134. (canceled)
135. (canceled)
136. A system, comprising: a processor; an electronic monitoring
module in communication with the processor, the monitoring module
configured to electronically monitor a characteristic of a drive
mode selection system of a vehicle; a notification module in
communication with the processor, the notification module
configured to provide real-time advice to an operator suggesting a
modification to the monitored characteristic of the drive mode
selection system, wherein the implementation of the suggested
modification is configured to change a property of an insurance
policy; and a communication module in communication with the
processor, the communication module configured to provide
information pertaining to the characteristic to an insurer of the
insurance policy in response to the operator implementing the
suggested modification to the monitored characteristic of the
autonomous drive mode selection system.
137. (canceled)
138. The system of claim 136, wherein the communication module is
configured to transmit the information pertaining to the
characteristic to the insurer via a communication network.
139-142. (canceled)
143. The system of claim 136, wherein the communication module is
configured to encrypt the characteristic.
144-159. (canceled)
160. The system of claim 136, wherein the insurer uses the
information pertaining to the characteristic to determine a
property of an insurance policy.
161-179. (canceled)
180. The system of claim 160, wherein the property of the insurance
policy comprises a premium for the insurance policy.
181. (canceled)
182. The system of claim 160, wherein the property of the insurance
policy comprises a coverage limitation of the insurance policy.
183-188. (canceled)
189. The system of claim 136, wherein the characteristic relates to
a selection of an autonomous driving mode selected via the
autonomous drive mode selection system, and wherein autonomous
drive mode selection system comprises at least one selectable
autonomous driving mode, including a remote manually-controlled
mode.
190. The system of claim 136, wherein the characteristic relates to
a selection of an autonomous driving mode selected via the
autonomous drive mode selection system, and wherein autonomous
drive mode selection system comprises at least one selectable
autonomous driving mode, including a remote robotically-controlled
mode.
191. The system of claim 136, wherein the characteristic relates to
which of a plurality of autonomous driving modes is selected via
the autonomous drive mode selection system.
192. The system of claim 191, wherein the autonomous drive mode
selection system comprises at least two selectable autonomous
driving modes.
193. The system of claim 192, wherein one of the at least two
selectable autonomous driving modes comprises a local
robotically-controlled mode.
194. The system of claim 192, wherein one of the at least two
selectable autonomous driving modes comprises a remote
manually-controlled mode.
195. The system of claim 192, wherein one of the at least two
selectable autonomous driving modes comprises a remote
robotically-controlled mode.
196-214. (canceled)
215. The system of claim 136, further comprising a notification
system configured to provide information relating to a property of
the insurance policy to an operator of the vehicle.
216-232. (canceled)
233. The system of claim 215, wherein the notification system is
configured to provide an alert in order to indicate an effect on
the property of an autonomous driving mode selection selected via
the autonomous drive mode selection system.
234-236. (canceled)
237. The system of claim 236, wherein the alert comprises a visual
indication of a change in the property of the insurance policy on a
heads-up display of the vehicle.
238-270. (canceled)
271. A non-transitory machine-readable storage medium comprising
program code that is configured to cause a processor to perform
operations, the operations comprising: monitoring a characteristic
of a drive mode selection system of a vehicle via an electronic
monitoring system; electronically providing real-time advice to an
operator suggesting a modification to the monitored characteristic
of the drive mode selection system, wherein the implementation of
the suggested modification to the monitored characteristic will
change a property of an insurance policy; and providing the
information pertaining to the characteristic to an insurer of the
insurance policy in response to the operator implementing the
suggested modification to the monitored characteristic of the drive
mode selection system.
272. The method of claim 1, wherein the property of the insurance
policy comprises a coverage amount of the insurance policy, such
that the implementation of the suggested modification to the
monitored characteristic will change a coverage amount of the
insurance policy.
273. The method of claim 1, wherein the property of the insurance
policy comprises a coverage scope of the insurance policy, such
that the implementation of the suggested modification to the
monitored characteristic will change a coverage scope of the
insurance policy.
274. The method of claim 1, wherein the property of the insurance
policy comprises a deductible of the insurance policy, such that
the implementation of the suggested modification to the monitored
characteristic will change a deductible of the insurance
policy.
275. The method of claim 1, wherein the property of the insurance
policy comprises a rider of the insurance policy, such that the
implementation of the suggested modification to the monitored
characteristic will change a rider of the insurance policy.
Description
TECHNICAL FIELD
[0001] This disclosure relates to systems and methods for
determining a property and insurance policy based, at least in
part, upon characteristics of an autonomous drive mode selection
system.
SUMMARY
[0002] One or more properties of an insurance policy may be based,
at least in part, upon a characteristic of an autonomous drive mode
selection system of a vehicle. As used herein, an autonomous drive
mode selection system refers to any system allowing a user and/or
automated system to select between various autonomous driving
modes. Examples of autonomous driving modes include a local
robotically-controlled mode, a remote manually-controlled mode, and
a remote robotically-controlled mode. Accordingly, a user and/or
automated system may select between a traditional
locally-controlled manual mode, in which the vehicle operator
manually controls the vehicle from within the vehicle (e.g., via
pedals and a steering wheel), and one or more autonomous driving
modes. In some embodiments, a local manually-controlled mode,
and/or one or more of the autonomous driving modes may not be
available in a vehicle.
[0003] An "insurance policy" may refer to a risk-transference
contract between an insurer and an insured (policy provider and
policy holder) in which the insurer agrees to satisfy qualifying
claims brought by the insured. An insurance policy may include, but
is not limited to, one or more of: a vehicle insurance policy, a
health insurance policy, a life insurance policy, a disability
insurance policy, a workers' compensation insurance policy, a group
insurance policy, a local robot insurance policy, a remote robot
insurance policy, or the like. The "insurer" may be any entity
responsible for satisfying claims under the insurance policy, and
may include an agent of the insurer (e.g., employee, independent
contractor, or other authorized entity), an underwriter, a
re-insurer, or the like. As used herein, an insurance policy may
pertain to any asset or entity including, but not limited to: a
vehicle, a fleet of vehicles, an operator of a vehicle, a passenger
of a vehicle, an owner of a vehicle, an entity having a security
interest in a vehicle, an entity having a relationship with an
operator, a passenger, and/or an owner of the vehicle (e.g., an
employer of the vehicle operator), an owner of a local or remote
robot, an entity having a security interest in a local or remote
robot, and so on. As used herein, a "property" of an insurance
policy includes, but is not limited to, one or more of: a term of
the insurance policy, eligibility for coverage under the insurance
policy, a premium of the insurance policy, a coverage amount of the
insurance policy, a deductible of the insurance policy, a rider of
the insurance policy, a limitation of the insurance policy, a
coverage scope of the insurance policy, the coverage of a
particular event under the insurance policy, or the like. Although
the specific example of insurance policies are disclosed herein,
the disclosure is not limited in this regard and could be adapted
to any suitable risk-transference and/or risk-mitigation
mechanisms.
[0004] A "robot" as used herein includes, but is not limited to,
any type of computerized system configured to autonomously or
semi-autonomously operate a vehicle. A robot may be configured to
autonomously operate all aspects of a vehicle or only particular
portions of the vehicle, and/or only during particular events. For
example, a robot may be configured to operate a vehicle by
controlling the acceleration, deceleration, and/or steering of the
vehicle. A robot may be configured to operate a vehicle during
normal driving (e.g., on a road, highway, or freeway) or only
during certain events, such as parking or reversing. A robot may be
physically located within a vehicle (local), or the robot may be
physically located at a remote location and provide instructions to
a local controller within the vehicle (remote). Alternatively, the
robot may include local portions and remote portions, in which case
the robot may be considered either remote or local depending on the
primary processing system of the robot.
[0005] Characteristics upon which a property of an insurance policy
may be based may include capabilities of the autonomous drive mode
selection system, the configuration of the autonomous drive mode
selection system, the operating state of the autonomous drive mode
selection system (and/or vehicle), and so on. Examples of such
characteristics include, but are not limited to: whether the
vehicle has an autonomous drive mode selection system; an
identifier of the vehicle autonomous drive mode selection system
(e.g., model name, manufacturer, version, firmware revision, etc.);
sensors utilized by the autonomous drive mode selection system; the
vehicle autonomous drive mode selection system configuration; an
autonomous driving mode selection made via the autonomous drive
mode selection system (e.g., a local robotically-controlled mode, a
remote manually-controlled mode, and a remote
robotically-controlled mode); autonomous drive mode selection
system specifications, such as accuracy, communication network
capabilities, and the like; recording functionality; usage and/or
configuration history of the autonomous drive mode selection
system; and so on. Accordingly, an autonomous drive mode selection
system characteristic may refer to a static characteristic of the
autonomous drive mode selection system (e.g., the capabilities of
the system), a dynamic characteristic, and/or an operating state of
the autonomous drive mode selection system and/or vehicle. Although
particular examples of autonomous drive mode selection system
characteristics are described herein, the disclosure is not limited
in this regard; the teachings of this disclosure could be adapted
to determine insurance policy properties using any autonomous drive
mode selection system characteristic.
[0006] Additionally, external characteristics, such as the weather,
visibility, current traffic conditions, road conditions, location,
lighting conditions, time of day, and so on may be used to
determine an insurance property in conjunction with the drive mode
selection system. For example, depending on the capabilities of the
autonomous driving modes available via a drive mode selection
system in a vehicle, an insurance property may increase or decrease
for a particular autonomous driving mode based on one or more of
the external characteristics.
[0007] In some embodiments, a monitor module (or other entity)
monitors a characteristic of an autonomous drive mode selection
system and provides the monitored characteristic to the insurer (or
agent thereof). The insurer may determine, or at least partially
determine, one or more properties of the insurance policy based
upon the characteristic. The property of the insurance policy may
be determined as the policy is being established. Alternatively, or
in addition, the property of the insurance policy may be dynamic,
and may change as updated and/or revised characteristics are
received. For example, a property of the insurance policy may
change depending upon usage characteristics of the autonomous drive
mode selection system (e.g., a comparison of vehicle operating time
during which the autonomous drive mode selection system was active
to operating time during which the autonomous drive mode selection
system was not active). In another example, a coverage limit of the
insurance policy for a particular event (e.g., accident) may be
based upon an operating state of the autonomous drive mode
selection system (and/or vehicle) when the event occurred.
Accordingly, the relationship between insurance policy properties
and autonomous drive mode selection system characteristics
disclosed herein may create economic incentives promoting the
deployment and proper use of vehicle autonomous drive mode
selection systems.
BRIEF DESCRIPTION OF THE DRAWINGS
[0008] FIG. 1 depicts one embodiment of several vehicles on a road,
one of which includes an autonomous drive mode selection
system.
[0009] FIG. 2A illustrates an operator's view of an interior of a
vehicle, including a steering wheel and an embodiment of an
autonomous drive mode selection system.
[0010] FIG. 2B illustrates an operator's view of an interior of a
vehicle, including another embodiment of an autonomous drive mode
selection system.
[0011] FIG. 2C illustrates an operator's view of an interior of a
vehicle, including a third embodiment of another autonomous drive
mode selection system.
[0012] FIG. 3 depicts one embodiment of a data structure comprising
autonomous drive mode selection system characteristics.
[0013] FIG. 4 depicts one embodiment of a history of autonomous
drive mode selection system characteristics.
[0014] FIG. 5 is a block diagram of one embodiment of a system for
determining a property of an insurance policy based, at least in
part, on a characteristic of an autonomous drive mode selection
system.
[0015] FIG. 6A depicts one embodiment of a document corresponding
to an insurance policy data structure that comprises a property
based, at least in part, on a characteristic of an autonomous drive
mode selection system.
[0016] FIG. 6B depicts another embodiment of a document
corresponding to an insurance policy data structure that comprises
a property based, at least in part, on a characteristic of an
autonomous drive mode selection system.
[0017] FIG. 6C depicts another embodiment of a document
corresponding to an insurance policy data structure that comprises
a property based, at least in part, on a characteristic of an
autonomous drive mode selection system.
[0018] FIG. 7 is a flow diagram of one embodiment of a method for
determining a property of an insurance policy based, at least in
part, on a characteristic of an autonomous drive mode selection
system.
[0019] FIG. 8 is a flow diagram of another embodiment of a method
for determining a property of an insurance policy based, at least
in part, on a characteristic of an autonomous drive mode selection
system.
[0020] FIG. 9 is a flow diagram of one embodiment of a method for
determining a property of an insurance policy based, at least in
part, on a characteristic of an autonomous drive mode selection
system.
[0021] FIG. 10A illustrates an operator's view of an interior of a
vehicle, including an embodiment of an autonomous drive mode
selection system advising the operator with respect to a property
of an insurance policy.
[0022] FIG. 10B illustrates an operator's view of an interior of a
vehicle, including another embodiment of an autonomous drive mode
selection system advising the operator with respect to a property
of an insurance policy.
[0023] FIG. 11 is a flow diagram of one embodiment of a method for
determining a property of an insurance policy based, at least in
part, on a characteristic of an autonomous drive mode selection
system.
DETAILED DESCRIPTION
[0024] A monitor module (or other entity) may monitor a
characteristic of an autonomous drive mode selection system in a
vehicle and provide the monitored characteristic to an insurer. The
autonomous drive mode selection system may allow a user (such as an
operator of the vehicle) or a robotic control system to select
between a local robotically-controlled mode, a remote
manually-controlled mode, and a remote robotically-controlled mode,
in addition to a traditional locally-controlled manual mode.
Accordingly, a user and/or automated system may select between a
traditional locally-controlled manual mode, in which the vehicle
operator manually controls the vehicle from within the vehicle
(e.g., via pedals and a steering wheel), and one or more autonomous
driving modes. In some embodiments, one or more driving modes may
be unavailable and/or alternative driving modes may be available as
selections via an autonomous drive mode selection system. In one
embodiment, a vehicle may include an autonomous drive mode
selection system with a single autonomous driving mode that can be
enabled or disabled. The autonomous driving mode may pertain to the
complete operation of the vehicle, or may pertain to a limited
portion of the operation of the vehicle. As a specific example, an
autonomous drive mode selection system may be limited to an
automatic parallel parking system.
[0025] The characteristic of the autonomous drive mode selection
system may be monitored and/or recorded constantly, periodically,
aperiodically, in real-time, and/or as historical data. For
example, the characteristics may be monitored, stored, and/or
transmitted during a servicing event, reconfiguration event, during
vehicle maintenance, and/or in accordance with a user, insurer, or
third party request. The characteristic(s) of the autonomous drive
mode selection system may be provided to the insurer (or a third
party intermediary) via a wireless network, a wired network, and/or
by physical transport of media. The characteristic(s) may be
transmitted using any of a wide variety of encryption,
authentication, and/or digital signing methods. One or more
properties of an insurance policy may be based, at least in part,
upon one or more characteristics of a vehicle autonomous drive mode
selection system.
[0026] Characteristics of the autonomous drive mode selection
system include, but are not limited to, an indication that: an
autonomous driving mode is or has been selected via the autonomous
drive mode selection system; the autonomous drive mode selection
system is or has been disabled; and/or that the autonomous drive
mode selection system is, has been, or can be disabled or
overridden. Characteristics of the autonomous drive mode selection
system may also include information associated with the usage of
various selectable autonomous drive modes and/or licensing,
certification, and/or identification of an autonomous drive mode
selection system. The characteristics may also comprise
configuration, limitations, communication connection strengths,
and/or communication capabilities of the autonomous drive mode
selection system.
[0027] The insurance policy may pertain to any asset or entity
including, but not limited to: the vehicle itself, a fleet of
vehicles, a remote and/or local operator of the vehicle, a
passenger of the vehicle, an owner of the vehicle (or fleet of
vehicles), an entity having a security interest in the vehicle (or
fleet of vehicles), a remote and/or local robotic operator of the
vehicle, the provider of a robotic control system associated with
the vehicle, an entity having a relationship with an operator
and/or passenger of the vehicle (e.g., an employer of the vehicle
operator), or the like. Accordingly, the insurance policy may
include, but is not limited to, one or more of: an asset insurance
policy (e.g., vehicle insurance policy or robotic controlled
insurance policy), a liability insurance policy, a health insurance
policy, a life insurance policy, a disability insurance policy, a
workers' compensation policy, a group insurance policy, an
individual insurance policy, a remote robot insurance policy, a
local robot insurance policy, or the like. The teachings of the
disclosure are not limited to traditional insurance policies;
accordingly, the terms insurance and insurance policies are
intended to encompass any risk-transference and/or risk-mitigation
mechanism.
[0028] The property of the insurance policy may be determined
before or after the insurance policy is in effect (e.g., to update
or modify the property of the insurance policy). In some
embodiments, the property may be dynamically determined and may be
based, at least in part, upon the capabilities, configuration,
and/or operating state of the autonomous drive mode selection
system, the operator, passengers, and/or external conditions (e.g.,
road conditions, visibility, traffic, etc). Characteristics of an
operator and/or a passenger(s) may be dynamically supplied to an
insurer and effect a dynamically modified property of an insurance
policy. The relationship between the insurance policy property and
the characteristics of the autonomous drive mode selection system,
operators, and/or passengers may create an incentive for the
insured to use the autonomous drive mode selection system.
[0029] In some embodiments, one or more characteristics of an
autonomous drive mode selection system may be monitored and
provided to an insurer. A property of an associated insurance
policy may be calculated by the insurer (remotely) and/or locally
by the autonomous drive mode selection system. Additionally,
potential property(ies) may be calculated for alternative
selections, enablement, and disablement of the autonomous drive
mode selection system. An operator and/or passenger of the vehicle
may be presented with a calculated potential property if the
operator or passenger elects to switch from the current autonomous
driving mode to another autonomous driving mode. For example, an
operator may have the autonomous drive mode selection system
disabled and a deductible may be calculated at $500. The autonomous
drive mode selection system and/or an insurer may determine that if
the operator were to switch to an autonomous driving mode, the
deductible would be reduced to $100. The driver may be presented
with this information and an option to switch to the autonomous
driving mode.
[0030] Accordingly, a property of an insurance policy may be
dynamically adjusted based on a characteristic of an autonomous
drive mode selection system. An operator, or other entity, may
receive real-time advice associated with an effect on the property
of a selection of an autonomous driving mode selectable via an
autonomous drive mode selection system. The operator, or other
entity, may receive advice, alerts, and/or instructions regarding a
change in a property of an insurance value based on a selected or
potential selection of an autonomous driving mode selection. The
advice, alert, and/or instructions may include visual alerts, audio
alerts, and/or haptic alerts.
[0031] The property of the insurance policy may also be determined
base, at least partially, on external conditions including, but not
limited to, time of day, visibility, lighting conditions, absolute
location, a relative location, road conditions, and/or weather
conditions. In some situations the property, such as a deductible
or premium, may vary based on the combination of the driving mode
selected and an external condition. For example, a deductible may
be lower using an autonomous driving mode in good weather, but
lower using a manual driving mode in bad weather.
[0032] Some of the infrastructure that can be used with embodiments
disclosed herein is already available, such as: general-purpose
computers, RF tags, RF antennas and associated readers, cameras and
associated image processing components, microphones and associated
audio processing components, computer programming tools and
techniques, digital storage media, and communication networks. A
computing device may include a processor such as a microprocessor,
microcontroller, logic circuitry, or the like. The processor may
include a special purpose processing device such as
application-specific integrated circuits (ASIC), programmable array
logic (PAL), programmable logic array (PLA), programmable logic
device (PLD), field programmable gate array (FPGA), or other
customizable and/or programmable device. The computing device may
also include a machine-readable storage device such as non-volatile
memory, static RAM, dynamic RAM, ROM, CD-ROM, disk, tape, magnetic,
optical, flash memory, or other machine-readable storage
medium.
[0033] Various aspects of certain embodiments may be implemented
using hardware, software, firmware, or a combination thereof. As
used herein, a software module or component may include any type of
computer instruction or computer executable code located within or
on a machine-readable storage medium. A software module may, for
instance, comprise one or more physical or logical blocks of
computer instructions, which may be organized as a routine, a
program, an object, a component, a data structure, etc. that
performs one or more tasks or implements particular abstract data
types.
[0034] In certain embodiments, a particular software module may
comprise disparate instructions stored in different locations of a
machine-readable storage medium, which together implement the
described functionality of the module. Indeed, a module may
comprise a single instruction or many instructions, and may be
distributed over several different code segments, among different
programs, and across several machine-readable storage media. Some
embodiments may be practiced in a distributed computing environment
where tasks are performed by a remote processing device linked
through a communication network.
[0035] In the exemplary embodiments depicted in the drawings, the
size, shape, orientation, placement, configuration, and/or other
characteristics of tags, computing devices, advertisements,
cameras, antennas, microphones, and other aspects of mobile devices
are merely illustrative. Specifically, mobile devices, computing
devices, tags, and associated electronic components may be
manufactured at very small sizes and may not necessarily be as
obtrusive as depicted in the drawings. Moreover, image, audio, and
RF tags, which may be significantly smaller than illustrated, may
be less intrusively placed and/or configured differently from those
depicted in the drawings.
[0036] The embodiments of the disclosure will be best understood by
reference to the drawings, wherein like parts are designated by
like numerals throughout. The components of the disclosed
embodiments, as generally described and illustrated in the figures
herein, could be arranged and designed in a wide variety of
different configurations. Furthermore, the features, structures,
and operations associated with one embodiment may be applicable to
or combined with the features, structures, or operations described
in conjunction with another embodiment. In other instances,
well-known structures, materials, or operations are not shown or
described in detail to avoid obscuring aspects of this
disclosure.
[0037] Thus, the following detailed description of the embodiments
of the systems and methods of the disclosure is not intended to
limit the scope of the disclosure, as claimed, but is merely
representative of possible embodiments. In addition, the steps of a
method do not necessarily need to be executed in any specific
order, or even sequentially, nor do the steps need to be executed
only once.
[0038] FIG. 1 is a block diagram 100 depicting one embodiment of an
exemplary autonomous drive mode selection system 101. The
autonomous drive mode selection system 101 may be deployed within a
ground vehicle 102, such as a car, truck, bus, or any other type of
vehicle. The autonomous drive mode selection system 101 may
comprise a sensing system 110, a processing module 120, a
communication module 130, a vehicle interface module 140, a storage
module 150, and a monitor module 160. The sensing system 110 may be
configured to acquire information pertaining to objects within a
predetermined range of the vehicle 102. The processing module 120
may use information obtained by the sensing system 110 (and/or
other sources) to provide sufficient information to a remote manual
operator and/or a robotic operator (remote or local) to control
various aspects of the operation of the car (e.g., steering,
deceleration, and/or acceleration). The communication module 130
may be used to communicate with a remote robotic controller, a
remote manual operator, an insurer, and/or a third party
intermediary. The storage module 150 may be used to store
information pertaining to the capabilities, configuration, and/or
operating state of the autonomous drive mode selection system 101.
The monitor module 160 may be configured to monitor characteristics
of the autonomous drive mode selection system 101 and to provide
the characteristics to an insurer.
[0039] The sensing system 110 may be configured to acquire
information pertaining to objects, external conditions, and/or
other vehicles 103, 104, and 106 that may be useful in robotically
or remotely operating the vehicle 102. The sensing system 110 may
be further configured to acquire information pertaining to the
vehicle 102 itself. The sensing system 110 may be configured to
acquire kinematic information. As used herein, kinematics refers to
motion characteristics of an object; kinematic information may
include, but is not limited to: velocity, acceleration,
orientation, and so on. Kinematic information may be expressed
using any suitable reference system. Accordingly, kinematic
information may be represented as component values, vector
quantities, or the like.
[0040] The sensing system 110 may comprise one or more active
and/or passive sensors, which may include, but are not limited to,
one or more electro-magnetic sensing systems (e.g., radar sensing
systems, capacitive sensing systems, and the like), electro-optical
sensing systems (e.g., laser sensing system, Light Detection and
Ranging (LIDAR) systems, and the like), acoustic sensing systems,
imaging systems (e.g., cameras, image processing systems,
stereoscopic cameras, etc.), information receiving systems (e.g.,
Global Positioning System (GPS) receiver, wireless network
interface, etc.), and so on. The sensing system 110 may further
comprise sensors for determining the kinematics of the vehicle 102.
Accordingly, the sensing system 110 may comprise one or more
speedometers, accelerometers, gyroscopes, or the like.
Alternatively, or in addition, the sensing system 110 may comprise
(or be communicatively coupled to) a control system 105 of the
vehicle 102. As used herein, a vehicle "control system" refers to a
system for providing control inputs to the vehicle, such as a
steering, a braking (deceleration), acceleration, and so on. The
vehicle control system 105 may comprise sensors for determining
velocity, acceleration, braking performance (e.g., an anti-lock
braking system), and the like. The sensing system 110 may be
configured to monitor control system inputs 105 to predict changes
to vehicle kinematics useful for remote and/or robotic operation of
the vehicle 102 (e.g., predict changes to acceleration based upon
operator control of accelerator and/or braking inputs). Although
particular examples of sensing systems are provided herein, the
disclosure is not limited in this regard and could incorporate any
sensing system 110 comprising any type of sensors.
[0041] The sensing system 110 may be capable of acquiring
information pertaining to objects within a predetermined detection
range of the vehicle 102. As used herein, a "detection range" of
the sensing system 110 refers to a range at which the sensing
system 110 is capable of (and/or configured to) acquiring
information. In some embodiments, the detection range may be more
limited than the maximum detection range of the sensing system 110
(the maximum range at which the sensing system 110 can reliably
acquire information). Moreover, the detection range may be
different for different types of sensors in sensing system 110. The
detection range may be set by user configuration and/or may be
determined automatically based upon operating conditions of the
vehicle 102, such as vehicle velocity and/or direction, velocity of
other objects, weather conditions, and so on.
[0042] In some embodiments, the sensing system 110 may comprise
directional sensors (e.g., a beam forming radar, phased array, or
the like). The autonomous drive mode selection system 101 may shape
and/or direct the detection range of the sensing system 110 in
response to operating conditions. For example, when the vehicle 102
is travelling forward at a high velocity, the detection range may
be directed toward the front of the vehicle 102; when the vehicle
102 is turning, the detection range may be steered in the direction
of the turn; and so on.
[0043] The autonomous drive mode selection system 101 may
communicate with one or more insurers, remote robotic systems,
and/or remote manual operators using the communication module 130.
The communication module 130 may include, but is not limited to,
one or more: wireless network interfaces, cellular data interfaces,
satellite communication interfaces, electro-optical network
interfaces (e.g., infrared communication interfaces), wired network
interfaces, and/or facilitate physical transport of storage media,
and the like. The autonomous drive mode selection system 101 may
configure the sensing system 110 based on communication received
via communication module 130. For instance, communication module
130 may facilitate software and/or firmware updates to autonomous
drive mode selection system 101.
[0044] The autonomous drive mode selection system 101 may be
further configured to provide information to and receive
information from other autonomous drive mode selection systems
(e.g., an autonomous drive mode selection system of vehicles 103,
104, and/or 106). Providing this information may comprise
configuring the sensing system 110 in cooperation with the other
vehicles. For example, the sensing system 110 may be capable of
obtaining reliable, accurate information pertaining to objects in a
particular area 116, but may not be capable of reliably obtaining
information pertaining to objects in other areas (e.g., area 114).
The autonomous drive mode selection system 101 may coordinate with
other vehicles to provide those vehicles with information
pertaining to objects in area 116. In exchange, the other vehicles
may provide the autonomous drive mode selection system 101 with
information pertaining to objects in other areas, such as area 114.
This coordination may comprise the autonomous drive mode selection
system 101 configuring the detection range 112 of the sensing
system 110 (e.g., by beam forming, steering, or the like) to
acquire information pertaining to area 116 to the exclusion of
other areas that will be provided by the other vehicles.
[0045] The autonomous drive mode selection system 101 may further
comprise a processing module 120, which may use the information
acquired by the sensing system 110 (and/or obtained from other
sources via the communication module 130) to facilitate robotic
and/or remote operation of the vehicle 102. The processing module
120 may comprise one or more processors, including, but not limited
to: a general-purpose microprocessor, a microcontroller, logic
circuitry, an ASIC, an FPGA, PAL, PLD, PLA, and the like. The
processing module 120 may further comprise volatile memory,
persistent, machine-readable storage media 152, and the like. The
persistent machine-readable storage media 152 may comprise
instructions configured to cause the processing module to configure
the sensing system 110, coordinate with other autonomous drive mode
selection systems, facilitate local robotically controlled
operation, remote robotically-controlled operation, and remote
manually-controlled operation, and so on, as described herein.
[0046] The autonomous drive mode selection system 101 may comprise
and/or be communicatively coupled to human-machine interface
components 107 of the vehicle 102. The human-machine interface
components 107 may include, but are not limited to: visual display
components (e.g., display screens, heads-up displays, or the like),
audio components (e.g., a vehicle audio system, speakers, a horn,
or the like), haptic components (e.g., power steering controls,
force feedback systems, or the like), and so on.
[0047] In some embodiments, the autonomous drive mode selection
system 101 may use the human-machine interface components 107 to
alert an operator of the vehicle 102 as to the potential effects on
a property of an insurance policy of the selection of an autonomous
driving mode, or disablement thereof. The alert may comprise one or
more of: an audible alert (e.g., alarm), a visual alert, a haptic
alert, or the like. Although particular examples of human-machine
interface components 107 are described herein, the disclosure is
not limited in this regard and could be adapted to incorporate any
suitable human-machine interface components 107, including those
adapted to accommodate various disabilities.
[0048] The autonomous drive mode selection system 101 may be
configured such that a selection made via the autonomous drive mode
selection system 101 cannot be overridden by the vehicle operator.
Accordingly, the autonomous drive mode selection system 101 may be
configured to "lock out" the vehicle operator from portions of the
control system 105. Access to the vehicle control system 105 may be
restored by making a new selection and/or disabling the autonomous
drive mode selection system 101. The autonomous drive mode
selection system 101 may be configured to "lock out" the vehicle
operator from all vehicle control operations. Alternatively, the
vehicle operator may be allowed limited access to the control
system 105. For example, the control system 105 may accept operator
inputs such as braking (e.g., in emergency situations).
[0049] Alternatively, the autonomous drive mode selection system
101 may be configured to allow the vehicle operator to override a
selected autonomous driving mode. For example, the local operator
may be able to override the decisions of a local
robotically-controlled system, a remote robotically-controlled
system, and/or a remote manually-controlled system. In response to
an override, the autonomous drive mode selection system 101 may
automatically disable the autonomous drive mode selection system
101, thereby reverting to a local manually-controlled system (e.g.,
a traditional driving experience where the driver controls the
steering wheel, brake pedal, and gas pedal). An override may
comprise the vehicle operator providing an input to the control
system 105 (or other human-machine interface component 107).
[0050] The autonomous drive mode selection system 101 may further
comprise a storage module 150 that is configured to store
information pertaining to the capabilities, configuration, and/or
operating state of the autonomous drive mode selection system 101
(and/or vehicle 102). The storage module 150 may comprise
persistent storage media 152, such as hard disks, solid-state
storage, optical storage media, or the like. Alternatively, or in
addition, the storage module 150 may be configured to store data in
a network-accessible storage service 134, such as a cloud storage
service or the like (via the communication module 130).
[0051] The storage module 150 may be configured to store any
information pertaining to the vehicle 102, which may include, but
is not limited to: kinematics of the vehicle 102, operator control
inputs (e.g., steering, braking, etc.), autonomous driving mode
selections made via the autonomous drive mode selection system 101,
other characteristics of the autonomous drive mode selection system
101, characteristics of the local operator, characteristics of one
or more passengers, external conditions, and/or other information
associated with the vehicle 102. Accordingly, the storage module
150 may act as a "black box" detailing the operating conditions of
the vehicle 102 and/or characteristics of the autonomous drive mode
selection system 101.
[0052] The storage module 150 may be configured to prevent
unauthorized access to and/or modification of stored information.
Accordingly, the storage module 150 may be configured to encrypt
information for storage. The storage module 150 may also provide
for validating authenticity of stored information; for example, the
storage module 150 may be configured to cryptographically sign
stored information. The communication module 130 may be configured
to periodically upload the contents of storage module 150 to an
insurer or other entity.
[0053] The monitor module 160 may be configured to monitor
characteristics of the autonomous drive mode selection system 101
including, but not limited to: capabilities of the autonomous drive
mode selection system 101, the configuration of the autonomous
drive mode selection system 101, and/or the operating state of the
autonomous drive mode selection system 101 and/or vehicle 102. The
monitor module 160 may be further configured to provide the
characteristics to an insurer. Providing the characteristics may
comprise storing the characteristics using the storage module 150
(e.g., storing the characteristics on the persistent,
machine-readable storage medium 152), transmitting the
characteristics to the insurer via the network 132, transmitting
the characteristics to the network-accessible storage device 134,
or the like. The monitor module 160 may be further configured to
sign the characteristics, encrypt the characteristics, and/or
provide an authentication credential with the characteristics.
[0054] The characteristics of the autonomous drive mode selection
system 101 described above may be embodied within a data structure,
which may be stored on a machine-readable storage medium (e.g.,
storage medium 152) and/or conveyed on a communication network
(e.g., network 132). An insurer (or other entity) may determine one
or more properties of an insurance policy based upon the contents
of the data structure. The information may be transmitted to a
third party intermediary and then forwarded to an insurer or other
entity.
[0055] The autonomous drive mode selection system 101 may be
configured to function with any number of autonomous and/or
automated driving systems. The autonomous driving modes may be
relatively complex providing for the full operation of a vehicle,
or may provide relatively minor automated driving features. For
example, the autonomous drive mode selection system 101 may allow
for the enablement or disablement of an automated parking assist
feature. In such an embodiment, the autonomous drive mode selection
system 101 may indicate to an insurer whether or not an operator
uses the automated parking assist feature, or not. The insurer may
provide a financial incentive to enable (or disable) the automated
parking assist feature. In some embodiments, the autonomous drive
mode selection system 101 may provide real-time advice with respect
to the effects of enabling (or disabling) the automated parking
assist feature may have on a property of an insurance policy.
[0056] In more complex embodiments, the autonomous drive mode
selection system 101 may provide various permutations of remote,
local, robotic, manual, semi-robotic control systems. In such an
embodiment, the autonomous drive mode selection system 101 may
indicate to an insurer whether or not an operator enables the
autonomous drive mode selection system 101 and/or which automated
driving mode(s) are used by the operator. The insurer may provide a
financial incentive to enable (or disable) the autonomous drive
mode selection system 101. Moreover, the insurer may provide a
financial incentive to select a particular autonomous driving mode
via the autonomous drive mode selection system 101. Again, the
autonomous drive mode selection system 101 may provide real-time
advice with respect to the effects a selection of a particular
autonomous driving mode may have on a property of an insurance
policy.
[0057] FIG. 2A illustrates an operator's view of an interior of a
vehicle 200, including a steering wheel (a human-machine interface
component) 210. An operator 220 may view operational information on
a dashboard 215, such as tachometer information, speed information,
engine temperature, and fuel levels. In addition, an interactive
display 230 may provide various functions 240, such as navigation
control, temperature control, music, and access to an autonomous
drive mode selection system 235. In the illustrated embodiment, the
operator 220 may select between various autonomous driving modes
via the autonomous drive mode selection system 235. Specifically,
the operator 220 may select a local robotically-controlled mode, a
remote robotically-controlled mode, and a remote
manually-controlled mode. The operator may also disable the
autonomous drive mode selection system 235, reverting back to a
local manually controlled mode.
[0058] The local robotically-controlled mode may allow an automated
system primarily stored within the vehicle 200 to operate the
vehicle. The locally-stored automated system may control all
aspects of the vehicle's operation, including steering, braking,
and acceleration. Alternatively, the locally-stored automated
system may have limited control of one or more aspects of the
vehicle's operation and/or only have control in predetermined
instances, locations, during predetermined events, and/or when
allowed by the operator 220. The remote robotically-controlled mode
may be similar to the local robotically-controlled mode, except
that the automated system may be primarily stored remotely from
vehicle 200. In such embodiments, a communication module may be
configured to receive data from the autonomous drive mode selection
system 235 in real-time. The remote manually-controlled mode may
allow a human operator 220 in a remote location to operate the
vehicle 200, monitor the operation of the vehicle 200, selectively
operate the vehicle 200. The remote operator of the vehicle 200 may
have full or limited control of the vehicle 200.
[0059] FIG. 2B illustrates an operator's view of an interior of a
vehicle 200, including another embodiment of an autonomous drive
mode selection system 236. In the illustrated embodiment, the
autonomous drive mode selection system 236, displayed on
interactive display 230, includes only an option to enable a
robotically-controlled mode or disable a robotically-controlled
mode. Effectively, the autonomous drive mode selection system 236
may either be enabled or disabled. Similar to previously described
embodiments, a robotically-controlled mode may include a locally-
or remotely-stored automated system configured to control various
aspects of the vehicle's operation, including steering, braking,
and acceleration.
[0060] FIG. 2C illustrates an operator's view of an interior of a
vehicle 200, including a third embodiment of another autonomous
drive mode selection system 237. In the illustrated embodiment, the
autonomous drive mode selection system 237 may include relatively
limited autonomous driving modes. For example, the autonomous drive
mode selection system 237 may simply allow an automated parking
assist feature to be enabled or disabled. According to such an
embodiment, the autonomous drive mode selection system 237 may
indicate to an insurer whether or not the automated parking assist
feature is enabled or disabled (i.e. the characteristic provided to
the insurer may provide an indication that the autonomous drive
mode selection system 237 is either enabled or disabled).
[0061] FIG. 3 depicts one embodiment of a data structure 300
comprising characteristics of an autonomous drive mode selection
system, which may include, but are not limited to: data 310
pertaining to the capabilities of the autonomous drive mode
selection system, data 320 pertaining to the configuration of the
autonomous drive mode selection system, data 330 pertaining to the
operating state of the autonomous drive mode selection system
and/or vehicle, and so on.
[0062] The data 310 may specify the capabilities of the autonomous
drive mode selection system. The data 310 may include information
from which capabilities may be determined, such as an identifier
(e.g., name and/or model number) of the autonomous drive mode
selection system, certifications of the autonomous drive mode
selection system, and so on. The data 310 may comprise information
pertaining to particular modules and/or systems of the autonomous
drive mode selection system, such as the capabilities of the
sensing system, processing module, communication module, vehicle
interface module, and/or storage module, described in conjunction
with FIG. 1. The data 310 pertaining to the sensing system may
specify the sensors available to the autonomous drive mode
selection system, the detection range of the sensing system,
accuracy of the sensing system, and so on. The data 310 pertaining
to the processing module may specify the processing resources
available to the autonomous drive mode selection system.
[0063] Data 310 pertaining to the communication module may include
the connection strengths, capabilities, encryption(s) used, digital
signing abilities, etc. Data 310 pertaining to the vehicle
interface module include information about which types of
autonomous driving modes are available via the autonomous drive
mode selection system. In addition, data 310 pertaining to the
vehicle interface module may include information indicating the
ability of the autonomous drive mode selection system to notify
and/or advise the operator of the vehicle with respect to changes
(or potential changes) in a property of an insurance policy based
on a selection of an autonomous driving mode. Data 310 pertaining
to the storage module may indicate whether the autonomous drive
mode selection system is capable of storing data pertaining to the
operating state of the system and/or vehicle, security measures of
the storage system, storage capacity, and so on.
[0064] The data 320 may describe the configuration of the
autonomous drive mode selection system. The data 320 may indicate
how the autonomous drive mode selection system is configured to use
the capabilities identified in the data 310. The data 320 may
comprise a current configuration of the autonomous drive mode
selection system. For example, the data 320 may indicate whether or
not an autonomous drive mode selection system is enabled or
disabled. The data 320 may indicate which of one or more autonomous
driving modes is currently selected via an autonomous drive mode
selection system. The data 320 may comprise static configuration
data (e.g., configuration information that cannot be changed or can
be changed only under certain circumstances), a history (e.g.,
time-based data or log describing the configuration of the
autonomous drive mode selection system over time), or the like.
[0065] The data 320 may further comprise configuration information
of individual systems and/or modules of the autonomous drive mode
selection system. Configuration data 320 pertaining to the sensing
system may specify which sensors are enabled, calibration
information pertaining to the sensors, and so on. Configuration
data 320 pertaining to the communication module may specify what
communication the autonomous drive mode selection system is capable
of transmitting between the vehicle, operator, insurer, and/or
third party intermediary. The data 320 may further specify whether
the autonomous drive mode selection system can be or has been
overridden by the vehicle operator. Data 320 pertaining to the
storage module may specify whether the autonomous drive mode
selection system is configured to persistently store (and/or
communicate) information pertaining to the operation of the vehicle
and/or the autonomous drive mode selection system, and so on. In
addition, data 320 may pertain to the autonomous drive mode
selection system's ability to detect, record, and/or transmit
information associated with one or more external conditions.
[0066] As discussed above, the data structure 300 may comprise a
history (e.g., time-based record or log) pertaining to the
autonomous drive mode selection system and/or the vehicle 102. FIG.
4 depicts one example of a history pertaining to the configuration
of an autonomous drive mode selection system. The data illustrated
in FIG. 4 could be included in the data structure 300 (or other
suitable data structure) for use in determining one or more
properties of an insurance policy, as described herein. The data
depicted in FIG. 4 relates to a vehicle operation timeline 400. The
timeline 400 may be contiguous (e.g., an "absolute" timeline).
Alternatively, the timeline 400 may be discontiguous and include
only the time during which the vehicle is in operation (e.g., the
vehicle is on or in motion), the autonomous drive mode selection
system is enabled, and/or a particular autonomous driving mode is
selected via the autonomous drive mode selection system. In another
example, the timeline 400 may be used to identify the operating
state, such as the selected autonomous driving mode, of the
autonomous drive mode selection system (and/or vehicle 102) at the
time of a particular event.
[0067] In the illustrated embodiment, the time regions 410 identify
the time during which the autonomous drive mode selection system is
enabled (e.g., a particular autonomous driving mode is selected).
In some embodiments, unique time regions or identifiers may be used
to mark each of a plurality of selectable autonomous driving modes.
The time regions 411 indicate the time during which the autonomous
drive mode selection system was inactive (e.g., not enabled). The
history of FIG. 4 may further comprise data pertaining to the
configuration of particular systems and/or modules of the
autonomous drive mode selection system. For example, the time
regions 420 may identify the time during which a remote or local
robotically-controlled autonomous driving mode was selected. The
time region 422 may identify the time during which a remote
manually-controlled autonomous driving mode was selected. Time
regions 423 may identify the times during which an operator was
advised or notified regarding a (potential) change in a property of
an insurance policy based on a (potential) selection of an
autonomous driving mode. Although the history of FIG. 4 depicts
examples of particular characteristics, the disclosure is not
limited in this regard, and the data structure 300 (or other
suitable data structures) could be adapted to incorporate history
data pertaining to any capability, configuration, and/or operating
state of the autonomous drive mode selection system, the vehicle,
the operator(s), the passenger(s), and/or external conditions.
[0068] In some embodiments, data pertaining to the autonomous drive
mode selection system may be provided as a ratio or comparison. For
example, the data structure 320 may include a value that compares
the operation time during which the autonomous drive mode selection
system was enabled versus the time during which the autonomous
drive mode selection system was disabled. The comparison value may
be derived from the history of FIG. 4. In some embodiments,
comparison values may be used in place of, or in addition to,
time-based data or logs (e.g., histories) in the data structure
300.
[0069] Referring back to FIG. 3, in some embodiments the data
structure 300 may comprise information pertaining to the operating
state of the autonomous drive mode selection system, the vehicle,
the operator(s), the passenger(s), and/or external conditions. As
discussed above, the operating state of the autonomous drive mode
selection system may refer to a current configuration of the
autonomous drive mode selection system and/or the configuration
(and use) of the autonomous drive mode selection system at a
particular time. For example, the operating state may include
information about the weather and/or information about the
autonomous driving mode selected via the autonomous drive mode
selection system. The data 330 may further comprise operational
data pertaining to various systems and/or modules of the autonomous
drive mode selection system, such as the sensing system, processing
module, communication module, vehicle interface, storage module,
and so on.
[0070] The operating state data 330 may further comprise
information pertaining to the operation of the vehicle (vehicle
operating state), which may include, but is not limited to:
kinematics of the vehicle, operator inputs, operator overrides,
operating conditions (e.g., weather, vehicle diagnostics, etc.),
vehicle position (e.g., GPS position), and so on. The operating
state data 330 comprise kinematic data pertaining to other objects
(e.g., vehicles 103 and/or 104 in FIG. 1), the collision detection
model of the autonomous drive mode selection system, a record of
communication and/or coordination with other vehicles, insurers,
remote manual operators, remote robotic operators, and so on. An
insurance policy property may be determined and/or adjusted in
real-time, on period basis, at random intervals, monthly, yearly,
etc. The insurance policy property may be determined and/or
adjusted, at least in part, based upon the operating state data
and/or other data (e.g., data 310, 320, and/or 330).
[0071] As discussed above, an insurer may use characteristics of an
autonomous drive mode selection system (e.g., the data structure
300) to determine a property of an insurance policy. The property
of the insurance policy may be determined before the insurance
policy is in effect (e.g., before the insurer and the insured enter
into the contract defined by the insurance policy). Once the
properties of the insurance policy are determined, the insurer and
insured may enter into the insurance policy (e.g., formalize the
insurance policy), which may cause the insurance policy to go into
effect. Alternatively, or in addition, the property may be
determined (or adjusted) after the insurance policy is in effect.
Accordingly, one or more properties of the insurance policy may be
dynamic, and may change in response to changes to the
characteristics of the autonomous drive mode selection system.
[0072] FIG. 5 is a block diagram of one embodiment of a system 500
for determining one or more properties of an insurance policy based
upon characteristics of an autonomous drive mode selection system
501 in a vehicle 502. The system 500 may comprise a computing
device 510, which may comprise a processor 512, a memory 514, a
communication interface 516, and persistent storage 518.
[0073] An insurance policy module 540 may operate on the computing
device 510. The insurance policy module 540 may be embodied as one
or more machine-readable instructions stored on a persistent
storage media (e.g., storage media 518) and/or transmitted via a
communication network (e.g., network 532). The instructions
comprising the insurance policy module 540 may be configured for
execution on the computing device 510 (e.g., on the processor 512
of the computing device 510). Alternatively, or in addition,
portions of the insurance policy module 540 (as well as the other
modules and systems disclosed herein) may be implemented using
machine elements, such as processors, ASICs, FPGAs, PALs, PLDs,
PLAs, or the like.
[0074] The insurance policy module 540 may be configured to
determine one or more properties 544 of an insurance policy
(insurance policy data structure 542) based upon characteristics
546 of an autonomous drive mode selection system 501 (e.g., the
autonomous drive mode selection system, described above).
[0075] The insurance policy data structure 542 may comprise one or
more data structures stored on a machine-readable storage medium,
such as the persistent storage 518. Alternatively, or in addition,
portions of the insurance policy data structure 542 (and/or the
properties 544 thereof) may be transmitted and/or communicated on
the communication network 532 (e.g., may be stored in a
network-accessible persistent storage service 534). The insurance
policy data structure 542 may be implemented using any mechanism
for representing information including, but not limited to: text
(e.g., ASCII text), a database (e.g., as one or more database
tables, records, attributes, or the like), markup language (e.g.,
HTML, XML, delimited text, etc.), or the like. Accordingly, the
properties 544 of the insurance policy data structure 542 may
comprise one or more text values, name-value pairs, database
elements (e.g., tables, attributes, etc.), XML elements, XML
attributes, or the like.
[0076] As discussed above, the properties 544 may relate to any
aspect of an insurance policy, including but not limited to:
eligibility for coverage under the insurance policy, a premium of
the insurance policy, a coverage amount of the insurance policy, a
deductible of the insurance policy, a rider of the insurance
policy, a limitation of the insurance policy, a coverage scope of
the insurance policy, the coverage of a particular incident under
the insurance policy, or the like.
[0077] One or more of the properties 544 may be determined by
(e.g., based upon) characteristics 546 of an autonomous drive mode
selection system 501. The autonomous drive mode selection system
characteristics 546 may be represented in a data structure, which
may correspond to the data structure 300 described in conjunction
with FIG. 3. The insurance policy module 540 may access the
characteristics 546 from a monitor module described above, and/or
any suitable data source, which may include, but is not limited to:
the persistent storage medium 518, the vehicle (e.g., transmitted
directly from the vehicle 502 via the autonomous drive mode
selection system 501 or other communication interface); a
network-accessible storage service 534; a computing device 536
comprising information pertaining to the autonomous drive mode
selection system 501 (e.g., a manufacturer database, vehicle
service center, or the like); another entity 538, such as an
insurance agency, insurer, or the like; or any other suitable
source of information pertaining to the autonomous drive mode
selection system 501 and/or the vehicle 502.
[0078] The insurance policy module 540 may determine the properties
544 of the insurance policy data structure 542 using any suitable
decision-making mechanism, including, but not limited to: lookup
tables, a policy, rules 543, an expert system, a neural network, a
machine-learning algorithm, or the like. In some embodiments, the
insurance policy module 540 is configured to apply one or more
rules 543 to determine properties 544 of the insurance policy data
structure 542. For example, one of the rules 543 may specify that a
property 544 corresponding to the premium of the insurance policy
(e.g., cost of the insurance policy) is reduced by a particular
amount (or percentage) in response to a characteristic 546 that
indicates that the autonomous drive mode selection system 501 is
enabled and/or a particular autonomous driving mode is selected.
Another one of the rules 543 may specify that the premium property
544 is adjusted based on external characteristics (e.g., whether,
visibility, etc) and/or characteristics of the operator and/or
vehicle 502. Accordingly, the insurer may promote a particular use
of the autonomous drive mode selection system 501 by creating rules
543 that provide incentives for the vehicle operator to make
autonomous driving mode selections via the autonomous drive mode
selection system 501 in accordance with the insurer's desires.
[0079] In some embodiments, the insurance policy module 540
comprises a security module 545 that is configured to authenticate
and/or verify the characteristics 546. The security module 545 may
verify that the characteristics 546 originated from an authorized
source (e.g., the autonomous drive mode selection system 501
itself, authorized personnel, or the like), have not be tampered
with (e.g., not modified from their original values), and so on. In
some embodiments, the characteristics 546 may comprise a digital
signature (or other security mechanism) that can be used to verify
the characteristics 546. Alternatively, or in addition, the
characteristics 546 may be transmitted to the insurance policy
module 540 via a secure communication mechanism, such as mutually
authenticated secure sockets layer (SSL) connection, or the like.
The security module 545 may leverage the secure communication
mechanism to verify the characteristics 546.
[0080] The insurance policy module 540 may be configured to
determine the properties 544 of the insurance policy data structure
542 before the insurance policy is in effect (e.g., before the
insurer and insured enter into the insurance policy). In some
embodiments, the insurance policy module 540 comprises a
formalization module 547 that is configured to facilitate
formalization of the insurance policy. As used herein,
formalization refers to the insurer and the insured entering into
an insurance policy contract as defined by the insurance policy
data structure 542 and/or the properties 544 thereof. Accordingly,
the formalization module 547 may be configured to provide the
insurance policy data structure 542 (and/or a document 548
corresponding to the to the data structure 542) to an authorized
entity 562 of the insured and/or an authorized entity 564 of the
insurer, and receive acceptance therefrom. The authorized entity of
the insured 562 and/or insurer 564 may be a person, an automated
agent (e.g., computing device), or the like. An authorized entity
562 and/or 564 that is a person may interact with the insurance
policy module 540 (and/or formalization module 547) via a computing
device 563 (e.g., a laptop, notebook, tablet, smart phone, personal
digital assistant, or the like).
[0081] The formalization module 547 may be configured to
authenticate the identity of the authorized entities 562 and/or 564
and/or verify that the entities 562 and/or 564 are authorized to
enter into an insurance policy contract on behalf of the insured
and/or insurer. The formalization module 547 may authenticate
and/or authorize the entities 562 and/or 564 using a digital
signature, password, or other credential. In some embodiments, the
formalization module 547 may be configured to authenticate and/or
authorize the entities 562 and/or 564 using a network-accessible
service 535, which may include, but is not limited to: a
certificate authority (e.g., an X.509 certificate authority), an
authentication authority, an identity service (e.g., a Security
Assertion Markup Language (SAML) authentication authority, a
Liberty Alliance Authenticating Authority, an OpenID.RTM. provider,
a Microsoft Passport.RTM. service, a Microsoft Cardspace.RTM.
service, etc.), or the like.
[0082] The formalization module 547 may be configured to provide
the insurance policy data structure 542 to the authorized entities
562 and/or 564 via the network 532. In some embodiments, the
formalization module 547 may be configured to convert the insurance
policy data structure 542 into a different format (e.g., different
data format, data encoding, or the like). Alternatively, or in
addition, the formalization module 547 may be configured to provide
the entities 562 and/or 564 with the insurance policy data
structure 542 in a human-readable format, such as a document 548.
The document 548 may comprise an insurance contract that
incorporates the properties 544 of the insurance policy data
structure 542. The document 548 may be provided to the entities 562
and/or 564 via the network 532 as a web page, email, fax, or the
like. The document 548 may be configured for display on a computing
device 563. Accordingly, the formalization module 547 may comprise
(and/or be communicatively coupled to) a web server, email server,
or the like. Alternatively, or in addition, the formalization
module 547 may be configured to provide the entities 562 and/or 564
with a tangible document representing the insurance policy data
structure 542 (e.g., a paper copy of an insurance policy).
[0083] The formalization module 547 may be further configured to
request acceptance of an insurance policy contract in accordance
with the insurance policy data structure 542. For example, the
document 548 (e.g., insurance policy contract) may include a
signature line (or signature input interface) that may receive a
signature (or other indication of acceptance) from the authorized
entities 562 and/or 564. The signature may comprise any suitable
indication of acceptance, including, but not limited to: selection
of an interface element (e.g., selecting a checkbox or other
interface element of the document 548), a digital signature, a
cryptographic signature, or the like. Alternatively, or in
addition, the formalization module 547 may request acceptance via
in a tangible document (e.g., paper document).
[0084] The formalization module 547 may be configured to receive
indications of acceptance from the authorized entities 562 and/or
564. The indications may be received via the network 532, as
described above. Alternatively, or in addition, acceptance may be
received via a signature on a tangible document or the like. In
response to receiving acceptance from the authorized entities 562
and 564, the formalization module 547 may update the insurance data
structure 542. Updating may comprise indicating that the insurance
policy data structure 542 is in effect (or is to go into effect at
a particular time and/or under particular circumstances). The
updated insurance policy data structure 542 may be stored in a
persistent storage medium (e.g., persistent storage medium 518),
transmitted via the network 532 (e.g., transmitted to the insured
562 and/or insurer 564), or the like, as described above. The
formalization module 547 may be further configured to transmit
confirmation of the insurance policy to the authorized entities 562
and/or 564.
[0085] In some embodiments, the formalization module 547 may
indicate how the properties 544 of the insurance policy data
structure 542 were determined. This information may allow the
insured to reconfigure the autonomous drive mode selection system
501 to obtain favorable terms. Similarly, as discussed above, the
insurer may provide advice and/or instructions on what settings,
configurations, and/or selections made via the autonomous drive
mode selection system 501 will provide the best terms. For example,
the formalization module 547 may indicate that the premium of the
policy was determined based, at least in part, on which autonomous
driving modes are selected via the autonomous drive mode selection
system 501. In response, the authorized entity 562 and/or the
operator may reconfigure and/or make alternative driving mode
selections via the autonomous drive mode selection system 501 and
resubmit the characteristics 546, which may result in a revised set
of properties 544 (e.g., lowered premium). The information
pertaining to the relationship between insurance policy properties
544 and autonomous drive mode selection system characteristics 546
may be presented in the document 548. The document 548 may be
digitally displayed within the vehicle and/or to remote operators.
The above authentication, verification, and formalization may occur
in real-time, such that an operator may make driving mode
selections in real-time in order to dynamically adjust a property
of an insurance policy.
[0086] FIG. 6A depicts one example of a document 647 comprising
information corresponding to the insurance policy data structure.
The document 647 may be embodied as machine-readable data (e.g.,
markup data or the like), that is adapted for presentation on a
display of a computing device. Alternatively, the document 647 may
be embodied on a tangible media, such as a disk, Universal Serial
Bus (USB) storage device, paper, or the like.
[0087] The document 647 may include a human-readable listing of
various properties (e.g., terms) 643 of the policy. The document
647 may highlight a particular property 669 that is determined, at
least in part, based upon one or more characteristics of the
autonomous drive mode selection system. As depicted in the FIG. 6A
example, the premium 669 of the policy is based upon autonomous
drive mode selection system characteristics. The document 647 may
include information indicating how the premium 669 is affected by
the autonomous drive mode selection system characteristic. In the
FIG. 6A example, the document 647 includes a notice 691 that the
premium 669 includes a 10 percent discount due to the selection of
a particular driving mode of an autonomous drive mode selection
system. The notice 691 indicates that premium 669 may be further
reduced by always following on-screen advice with regards to
autonomous driving mode selections, and may include a link 673 with
additional details. Although a particular example of a notice 691
is provided herein, the disclosure is not limited in this regard
and could be adapted to use any notification mechanism
corresponding to any property 643. For example, in other
embodiments, the notice 691 may be communicated in a separate
document (e.g., outside of the insurance policy document 647), may
include configuration instructions (as opposed to the link 673),
and so on. For example, notice 691 may be dynamically displayed
during a vehicle operation.
[0088] In some embodiments, the document 647 may include an input
685 through which an authorized entity of the insured may indicate
acceptance. As shown in the FIG. 6A example, the input 685 may
comprise a text input box. However, the disclosure is not limited
in this regard and could be adapted to include any suitable
acceptance input, including an assumed acceptance based on the
operator following the advice.
[0089] As discussed above, in some embodiments, a property 643 of
the insurance policy data structure may by dynamic, and may change
in response to changes to the characteristics of the autonomous
drive mode selection system. Accordingly, the insurance module may
be configured to access updated characteristics, re-determine the
property, and update the insurance policy data structure
accordingly. Updated characteristics may be received continuously
during operation of the vehicle. For example, the autonomous drive
mode selection system may be configured to store and/or transmit
characteristics in real-time during operation of the vehicle.
Alternatively, or in addition, updated characteristics may be
received in a non-continuous and/or non-real-time manner. The
characteristics may be received in response to upgrading and/or
servicing the autonomous drive mode selection system, vehicle, or
the like. The updated characteristics may be obtained from the
storage module of the autonomous drive mode selection system, from
a network-accessible storage service, from another authorized
source, or the like.
[0090] The insurance policy module may update a property of the
insurance policy data structure in response to updated
characteristics. For example, a premium of the insurance policy may
be based on the autonomous driving mode selections made via the
autonomous drive mode selection system. The premium may be lower
when the operator consistently follows insurer provided
instructions, or selects a certain autonomous driving mode.
[0091] FIG. 6B depicts one example of a document 648 comprising
information corresponding to a dynamic property 670 of an insurance
policy. The document 648 may list the properties (e.g., terms) 644
of the insurance policy, as described above. The dynamic term 670
is highlighted, and the notice 692 indicates how the dynamic term
670 is affected by the configuration of the autonomous drive mode
selection system. The notice 692 indicates that the insured can
minimize the premium 670 by always enabling the autonomous drive
selection system, and may provide a link 674 to instructions. The
document 648 may further comprise an acceptance input 686, as
described above.
[0092] One or more of the properties of the insurance policy may be
determined based on the particular driving mode selection,
particular diving mode selections based on external conditions,
particular driving mode selections based on operator and/or
passenger characteristics, and/or combinations thereof. The
document 648 may notify the operator or other authorized entity
about how certain properties effect the insurance policy.
[0093] FIG. 6C depicts one example of a document 649 comprising
information corresponding to an event-specific property (the
insurance policy deductible 671). The document 649 enumerates the
properties (e.g., terms) 645 of the policy as described above. The
property 671 that defines the coverage of the policy for particular
events is highlighted. The property 671 indicates that the
deductible for an accident may be $0 to $2,000 depending on the
selections made via the autonomous drive mode selection system
and/or other system settings. The notice 693 indicates how the
characteristics 646 of the autonomous drive mode selection system
101 and/or operator actions affect the deductible 671. The variable
deductible property 671 creates an incentive for the insured to
allow automatic collision avoidance actions to take place, and
discourages overriding and/or disabling such actions. The notice
693 may further include a link 675 to information on how autonomous
drive mode selections via the autonomous drive mode selection
system effect properties of the insurance policy, such as the
deductible 671.
[0094] FIG. 7 illustrates a flow chart of one embodiment of a
method 700 for determining a property of an insurance policy based
upon information pertaining to a characteristic of an autonomous
drive mode selection system. At step 710, the method 700 begins.
Step 710 may comprise accessing one or more machine-readable
instructions in a non-volatile storage media, such as a hard disk,
solid-state storage device, or the like. Step 710 may further
comprise accessing one or more machine components, such as network
interfaces, data storage resources (e.g., database connections),
and so on.
[0095] Step 720 may comprise accessing and/or receiving information
pertaining to the characteristics of an autonomous drive mode
selection system. Step 720 may comprise receiving and/or parsing a
data structure, such as a data structure as described herein. The
characteristics of step 720 may be received using any data
communication mechanism including, but not limited to: receiving
the characteristics via a wireless network, a wired network,
physical transport of media, reading the characteristics from a
machine-readable storage medium, accessing the characteristics from
a data storage service (e.g., a database, a network-accessible
storage service, etc.), or the like. The characteristics of step
720 may comprise capabilities of the autonomous drive mode
selection system, a configuration of the autonomous drive mode
selection system, autonomous drive mode selections made via the
autonomous drive mode selection system, external characteristics,
vehicle characteristics, and/or data pertaining to the operating
state of the autonomous drive mode selection system.
[0096] Step 720 may further comprise verifying and/or decrypting
the characteristics. The verification may include, but is not
limited to: authenticating a sender of the characteristics,
verifying a signature on the characteristics, receiving the
characteristics via a secure communication mechanism, and so
on.
[0097] Step 730 may comprise using the characteristics to determine
a property of an insurance policy based, at least in part, upon one
or more of the characteristics accessed at step 720. As previously
described, step 730 may comprise applying one or more rules to the
characteristics to determine the property. Alternatively, or in
addition, step 730 may comprise use of one or more lookup tables,
policies, expert systems, neural networks, machine-learning
algorithms, or the like.
[0098] Step 730 may further comprise storing the insurance policy,
and the property thereof, on a persistent storage medium. Step 730
may comprise updating a property of the insurance policy data
structure, providing the property to authorized entities of the
insured and/or insurer, receiving acceptance of the insurance
policy (e.g., formalizing the insurance policy), and so on, as
described above. The method ends at step 740.
[0099] FIG. 8 illustrates a flow chart of another embodiment of a
method 800 for determining a property of an insurance policy based
upon information pertaining to a characteristic of an autonomous
drive mode selection system. At step 810, the method 800 is started
and initialized, as described above.
[0100] Steps 820 and 830 may comprise accessing characteristics
pertaining to a vehicle autonomous drive mode selection system, and
determining a property of an insurance policy, as described above.
Step 830 may comprise accessing updated characteristics pertaining
to the autonomous drive mode selection system, operator(s),
passenger(s), vehicle, and/or external condition(s). The
characteristics of step 830 may be received in response to
continuous, real-time monitoring of the autonomous drive mode
selection system. As described above, the communication module of
the autonomous drive mode selection system may be configured to
transmit real-time configuration and/or operating state information
to the insurance policy module via a network. The updated
characteristics may comprise indications of changes to the
configuration of the autonomous drive mode selection system, usage
(e.g., operating state) of the autonomous drive mode selection
system and/or vehicle. For example, the updated characteristics may
include changes in the selection of autonomous driving mode via the
autonomous drive mode selection system, or the enablement of the
autonomous drive mode selection system.
[0101] Alternatively, the characteristics of step 830 may be
received in response to a periodic update (non-continuous and/or
non-real-time); for example, in response to upgrading the
autonomous drive mode selection system, changing a capability of
the autonomous drive mode selection system (e.g., upgrading the
sensing system), reconfiguring the autonomous drive mode selection
system, servicing and/or updating the vehicle, renewing and/or
updating the insurance policy, or the like. The updated
characteristics may be obtained from the storage module of the
autonomous drive mode selection system, from a network-accessible
storage service, from another authorized source, or the like. Step
840 may further comprise verifying and/or decrypting the
characteristics, as described above.
[0102] Step 850 may comprise adjusting a property of the insurance
policy in response to the updated characteristics of step 840.
Adjusting the property may comprise re-applying one or more rules,
applying an expert system (or other automated process), or the
like. Step 850 may further comprise storing the adjusting property
on a persistent, machine-readable storage medium, generating
document(s) comprising the updated property, and so on. In some
embodiments, the update may require acceptance from authorized
entities of the insured and/or insurer. Accordingly, step 850 may
comprise the formalization module (or other entity) requesting
and/or receiving acceptance of the adjusted property. The method
ends at step 860, until further updates to the characteristics are
received at step 840.
[0103] FIG. 9 illustrates a flow chart of one embodiment of a
method 900 for determining the coverage of an event under an
insurance policy based, at least in part, on characteristics
pertaining to the autonomous drive mode selection system,
operator(s), passenger(s), vehicle, and/or external condition(s).
At step 910, the method 900 is started and is initialized, as
described above. Steps 920 and 930 may comprise accessing
characteristics described above and determining a property of an
insurance policy.
[0104] Step 940 may comprise advising an operator, or other entity,
of potential savings by switching to a different driving mode. For
example, an operator may be advised that by switching to a
different autonomous driving mode, the operator may receive more
favorable terms for one or more properties of one or more insurance
policies. At step 950, the operator, or other entity, may follow
the advice and the coverage (i.e., a property) of the insurance
policy may be determined for the newly selected autonomous driving
mode. The method ends at step 960. According to various
embodiments, the insurance policy may be dynamically updated based
on changing characteristics pertaining to the autonomous drive mode
selection system, operator(s), passenger(s), vehicle, and/or
external condition(s). Similarly, the autonomous drive mode
selection system may provide advice, notice, and/or warnings about
(potential) changes to one or more properties of an insurance
policy based on a (potential) selection of an autonomous driving
mode made via the autonomous drive mode selection system.
[0105] FIG. 10A illustrates an example of a notice 1035 to an
operator 1020 that a property (e.g., the monthly premium) of an
insurance policy could change if an autonomous driving mode is
enabled. The notice 1035 may be provided via a screen 1030 that is
configured to serve multiple purposes 1040. In alternative
embodiments, notice and/or selections associated with the
autonomous drive mode selection system 1000 may be made using other
inputs and/or mechanisms in place of screen 1030.
[0106] FIG. 10B illustrates an alternative embodiment, in which the
operator 1020 is notified 1036 that due to icy road conditions (an
external characteristic) disabling the autonomous drive mode
selection system 1000 will reduce the deductible from $500 to $250.
Numerous permutations of notices, options, characteristic
considerations, autonomous driving modes, and/or other factors may
be taken into consideration and/or used by the autonomous drive
mode selection system 1000.
[0107] FIG. 11 is a flow diagram of another embodiment for
determining a property of an insurance policy based, at least in
part, on a characteristic of an autonomous drive mode selection
system. At step 1110, the method 1100 may start and be initialized
as described above.
[0108] Step 1120 may comprise monitoring characteristics of an
autonomous drive mode selection system. The characteristics may be
monitored by a dedicated monitoring module or other entity (e.g.,
the processing module, storage module, or the like). The
characteristics may be embodied on a data structure, such as the
data structure described above. The characteristics may include, on
characteristics pertaining to the autonomous drive mode selection
system, operator(s), passenger(s), vehicle, and/or external
condition(s), and so on.
[0109] The monitoring of step 1120 may be periodic, aperiodic,
continuous, real-time, or the like. In some embodiments, the
monitoring of step 1120 occurs in response to a user request (e.g.,
a command from an operator and/or owner of the vehicle). In some
embodiments, the monitoring of step 1120 occurs in response to
servicing the vehicle, reconfiguring the vehicle, servicing the
autonomous drive mode selection system, changing the capabilities
of the autonomous drive mode selection system (e.g., upgrading the
processing module of the autonomous drive mode selection system),
changing a configuration of the autonomous drive mode selection
system, making an autonomous driving mode selection via the
autonomous drive mode selection system, enabling the autonomous
drive mode selection system, disabling the autonomous drive mode
selection system, or the like, as described above. Alternatively,
or in addition, the monitoring of step 1120 may occur continuously
(in real-time) while the vehicle is in operation and/or always.
[0110] Step 1130 may comprise providing the characteristic to an
insurer (and/or agent thereof), such as the insurance policy module
described herein. Providing the characteristic at step 1130 may
comprise storing the characteristic on a persistent,
machine-readable storage medium of the vehicle (e.g., a storage
medium), transmitting the characteristic to a network-accessible
storage service via a network, transmitting the characteristic to
the insurance policy module via the network, or the like. Step 1130
may further comprise signing the characteristic, encrypting the
characteristic, or the like. In some embodiments, step 1130 may
comprise providing an authentication credential with the
characteristic, such as a signature and public key certificate,
passcode, or the like. Alternatively, or in addition, step 1130 may
comprise transmitting the characteristic using a secure
communication mechanism, such as SSL and/or mutually authenticated
SSL. The method ends at step 1140.
[0111] In response to receiving the characteristic, the insurer may
determine a property of an insurance policy, adjust a property of
the insurance policy, determine a property of the insurance policy
(e.g., coverage of the insurance policy) for a particular event,
and/or provide a notice, a warning, an instruction and/or advice to
an operator, or the like, as described herein.
[0112] This disclosure has been made with reference to various
exemplary embodiments including the best mode. However, those
skilled in the art will recognize that changes and modifications
may be made to the exemplary embodiments without departing from the
scope of the present disclosure. For example, various operational
steps, as well as components for carrying out operational steps,
may be implemented in alternate ways depending upon the particular
application or in consideration of any number of cost functions
associated with the operation of the system (e.g., one or more of
the steps may be deleted, modified, or combined with other
steps).
[0113] Additionally, as will be appreciated by one of ordinary
skill in the art, principles of the present disclosure may be
reflected in a computer program product on a machine-readable
storage medium having machine-readable program code means embodied
in the storage medium. Any tangible, non-transitory
machine-readable storage medium may be utilized, including magnetic
storage devices (hard disks, floppy disks, and the like), optical
storage devices (CD-ROMs, DVDs, Blu-Ray discs, and the like), flash
memory, and/or the like. These computer program instructions may be
loaded onto a general purpose computer, special purpose computer,
or other programmable data processing apparatus to produce a
machine, such that the instructions that execute on the computer or
other programmable data processing apparatus create means for
implementing the functions specified. These computer program
instructions may also be stored in a machine-readable memory that
can direct a computer or other programmable data processing
apparatus to function in a particular manner, such that the
instructions stored in the machine-readable memory produce an
article of manufacture, including implementing means that implement
the function specified. The computer program instructions may also
be loaded onto a computer or other programmable data processing
apparatus to cause a series of operational steps to be performed on
the computer or other programmable apparatus to produce a
computer-implemented process, such that the instructions that
execute on the computer or other programmable apparatus provide
steps for implementing the functions specified.
[0114] While the principles of this disclosure have been shown in
various embodiments, many modifications of structure, arrangements,
proportions, elements, materials, and components that are
particularly adapted for a specific environment and operating
requirements may be used without departing from the principles and
scope of this disclosure. These and other changes or modifications
are intended to be included within the scope of the present
disclosure.
[0115] The foregoing specification has been described with
reference to various embodiments. However, one of ordinary skill in
the art will appreciate that various modifications and changes can
be made without departing from the scope of the present disclosure.
Accordingly, this disclosure is to be regarded in an illustrative
rather than a restrictive sense, and all such modifications are
intended to be included within the scope thereof. Likewise,
benefits, other advantages, and solutions to problems have been
described above with regard to various embodiments. However,
benefits, advantages, solutions to problems, and any element(s)
that may cause any benefit, advantage, or solution to occur or
become more pronounced are not to be construed as a critical, a
required, or an essential feature or element. As used herein, the
terms "comprises," "comprising," and any other variation thereof,
are intended to cover a non-exclusive inclusion, such that a
process, a method, an article, or an apparatus that comprises a
list of elements does not include only those elements but may
include other elements not expressly listed or inherent to such
process, method, system, article, or apparatus. Also, as used
herein, the terms "coupled," "coupling," and any other variation
thereof are intended to cover a physical connection, an electrical
connection, a magnetic connection, an optical connection, a
communicative connection, a functional connection, and/or any other
connection.
[0116] Those having skill in the art will appreciate that many
changes may be made to the details of the above-described
embodiments without departing from the underlying principles of the
invention. The scope of the present invention should, therefore, be
determined only by the following claims.
* * * * *