U.S. patent application number 16/844383 was filed with the patent office on 2020-08-13 for system and method for use of carbon emissions in characterizing driver performance.
The applicant listed for this patent is Scope Technologies Holdings Limited. Invention is credited to Gil Fuchs, Friedl Jacobs, Samuel Lavie, Johann Van den Bergh.
Application Number | 20200258162 16/844383 |
Document ID | 20200258162 / US20200258162 |
Family ID | 1000004782542 |
Filed Date | 2020-08-13 |
Patent Application | download [pdf] |
United States Patent
Application |
20200258162 |
Kind Code |
A1 |
Lavie; Samuel ; et
al. |
August 13, 2020 |
System and Method for Use of Carbon Emissions in Characterizing
Driver Performance
Abstract
A system and method for use of carbon emissions in
characterizing driver performance and using such characterization
to determine a profile/score associated with a particular insured.
The profile/score can then be used to determine an insurance
premium for the insured. In accordance with an embodiment, a driver
can use a portable device equipped with a data collection and
assessment environment, including one or more data collection
devices that can be used to capture data and information or
otherwise measure the carbon emissions associated with a vehicle. A
framework (system) can receive information about the driver's
driving profile, and use this information either to determine an
insurance quote, or act as a broker/aggregator in inviting other
insurance providers to offer an insurance quote, or usage based
insurance quote (UBI).
Inventors: |
Lavie; Samuel;
(Johannesburg, ZA) ; Van den Bergh; Johann;
(Johannesburg, ZA) ; Fuchs; Gil; (Nes Tziona,
IL) ; Jacobs; Friedl; (Johannesburg, ZA) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Scope Technologies Holdings Limited |
Tortola |
|
VG |
|
|
Family ID: |
1000004782542 |
Appl. No.: |
16/844383 |
Filed: |
April 9, 2020 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
|
13860284 |
Apr 10, 2013 |
10657598 |
|
|
16844383 |
|
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|
61740290 |
Dec 20, 2012 |
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Current U.S.
Class: |
1/1 |
Current CPC
Class: |
G06Q 40/08 20130101 |
International
Class: |
G06Q 40/08 20060101
G06Q040/08 |
Claims
1. A system for use of carbon emissions in characterizing vehicle
driver performance and use in determining insurance coverage
comprising: a data collection and assessment environment, including
one or more data collection devices that can be used to capture
data and information or otherwise measure vehicle actions, a data
collection and assessment logic, and a carbon emissions assessment
module which includes information about typical carbon emissions,
and can compare current patterns of driving with known patterns to
calculate carbon emissions for a current driver/vehicle; and
wherein the data collection and assessment environment is
configured to one or both compare current patterns of driving with
known patterns to calculate carbon emissions for a current
driver/vehicle, and provide the information to an external
insurance provider or broker framework to calculate a driver
profile, for use in obtaining a usage based insurance quote (UBI)
for the driver.
2. The system of claim 1, wherein results from the carbon emissions
assessment module are compared with physical emission measurements
in order to determine a precision built-in error, which enables
certainty levels to be attached to the calculated emissions, and
which can be used to associate confidence intervals with driver
quality prediction scores.
3. A method for use of carbon emissions in characterizing vehicle
driver performance and use in determining insurance coverage
comprising: providing a data collection and assessment environment,
including one or more data collection devices that can be used to
capture data and information or otherwise measure vehicle actions,
a data collection and assessment logic, and a carbon emissions
assessment module which includes information about typical carbon
emissions, and can compare current patterns of driving with known
patterns to calculate carbon emissions for a current
driver/vehicle; and wherein the data collection and assessment
environment is configured to one or both compare current patterns
of driving with known patterns to calculate carbon emissions for a
current driver/vehicle, and provide the information to an external
insurance provider or broker framework to calculate a driver
profile, for use in obtaining a usage based insurance quote (UBI)
for the driver.
4. The method of claim 3, wherein results from the carbon emissions
assessment module are compared with physical emission measurements
in order to determine a precision built-in error, which enables
certainty levels to be attached to the calculated emissions, and
which can be used to associate confidence intervals with driver
quality prediction scores.
5. A non-transitory computer readable medium, including
instructions stored thereon which when read and executed by one or
more computers cause the one or more computers to perform the steps
comprising: providing a data collection and assessment environment,
including one or more data collection devices that can be used to
capture data and information or otherwise measure vehicle actions,
a data collection and assessment logic, and a carbon emissions
assessment module which includes information about typical carbon
emissions, and can compare current patterns of driving with known
patterns to calculate carbon emissions for a current
driver/vehicle; and wherein the data collection and assessment
environment is configured to one or both compare current patterns
of driving with known patterns to calculate carbon emissions for a
current driver/vehicle, and provide the information to an external
insurance provider or broker framework to calculate a driver
profile, for use in obtaining a usage based insurance quote (UBI)
for the driver.
Description
CLAIM OF PRIORITY
[0001] This application claims the benefit of priority to U.S.
Provisional Patent Application No. 61/740,290, filed Dec. 20, 2012;
and is related to U.S. patent application titled "SYSTEM AND METHOD
FOR USE OF PATTERN RECOGNITION IN ASSESSING OR MONITORING VEHICLE
STATUS OR OPERATOR DRIVING BEHAVIOR"; application Ser. No.
13/679,722, filed Nov. 16, 2012, which claims the benefit of
priority to U.S. Provisional Patent Application No. 61/578,511,
filed Dec. 21, 2011; U.S. patent application titled "SYSTEM AND
METHOD FOR USE WITH AN ACCELEROMETER TO DETERMINE A FRAME OF
REFERENCE"; application Ser. No. 13/679,749, filed Nov. 16, 2012,
which claims the benefit of priority to U.S. Provisional Patent
Application No. 61/616,722, filed Mar. 28, 2012; and U.S. patent
application titled "SYSTEM AND METHOD FOR CHARACTERIZING DRIVER
PERFORMANCE AND USE IN DETERMINING INSURANCE COVERAGE"; application
Ser. No. 13/679,771, filed Nov. 16, 2012, which claims the benefit
of priority to U.S. Provisional Patent Application No. 61/652,017,
filed May 25, 2012; each of which above applications are herein
incorporated by reference.
COPYRIGHT NOTICE
[0002] A portion of the disclosure of this patent document contains
material which is subject to copyright protection. The copyright
owner has no objection to the facsimile reproduction by anyone of
the patent document or the patent disclosure, as it appears in the
Patent and Trademark Office patent file or records, but otherwise
reserves all copyright rights whatsoever.
FIELD OF INVENTION
[0003] Embodiments of the invention are generally related to
telematics and related technologies, and are particularly related
to a system and method for use of carbon emissions in
characterizing driver performance and its use in determining
insurance coverage.
BACKGROUND
[0004] Every time a fossil fuel such as gasoline, coal or oil, is
burned, combustion gases including carbon monoxide and carbon
dioxide are released into the atmosphere as carbon emissions. A
common source of carbon emissions, particularly in urban areas, are
automobiles and other vehicles. The amount of carbon emissions a
particular vehicle generates is dependent on a variety of factors,
such as the type of vehicle and its overall condition,
environmental conditions, and the manner in which the vehicle is
operated. For example, a vehicle driven at high speeds may generate
more emissions than a vehicle driven at moderate speeds.
[0005] Information about a vehicle, together with its driver, also
has a bearing on factors such as liability insurance. For example,
heavily-used vehicles are on the road more often, which means they
potentially have more exposure to accidents. Additionally, certain
drivers may have driving habits that are considered less safe than
others. Information about these and other factors is useful when
formulating insurance quotes for a particular vehicle or
driver.
SUMMARY
[0006] Described herein is a system and method for use of carbon
emissions in characterizing driver performance and using such
characterization to determine a profile associated with a
particular insured. The profile can then be used to determine an
insurance premium for the insured. In accordance with an
embodiment, a driver can use a portable device equipped with a data
collection and assessment environment, including one or more data
collection devices that can be used to capture data and information
or otherwise measure the carbon emissions associated with a
vehicle. A framework (system) can receive information about the
driver's driving profile, and use this information either to
determine an insurance quote, or act as a broker/aggregator in
inviting other insurance providers to offer an insurance quote, or
usage based insurance quote (UBI).
BRIEF DESCRIPTION OF THE FIGURES
[0007] FIG. 1 illustrates a system for use of carbon emissions in
characterizing driver performance and use in determining insurance
coverage, in accordance with an embodiment.
[0008] FIG. 2 illustrates use of a system for use of carbon
emissions in characterizing driver performance, in accordance with
an embodiment.
[0009] FIG. 3 illustrates use of an insurance provider and/or
broker framework, in accordance with an embodiment.
[0010] FIG. 4 is a flowchart of a method for use of carbon
emissions in characterizing driver performance and use in
determining insurance coverage, in accordance with an
embodiment.
DETAILED DESCRIPTION
[0011] As described above, in the insurance industry, information
about such factors as whether a driver of a vehicle observes safe
driving habits is useful when formulating insurance quotes for a
particular vehicle or driver.
[0012] To address this, described herein is a system and method for
use of carbon emissions in characterizing driver performance and
using such characterization to determine a profile associated with
a particular insured. The profile can then be used to determine an
insurance premium for the insured. In accordance with an
embodiment, a driver can use a portable device equipped with a data
collection and assessment environment, including one or more data
collection devices that can be used to capture data and information
or otherwise measure the carbon emissions associated with a
vehicle. A framework (system) can use this information either to
determine an insurance quote, or act as a broker/aggregator in
inviting other insurance providers to offer an insurance quote, or
usage based insurance quote (UBI).
[0013] FIG. 1 illustrates a system for use of carbon emissions in
characterizing vehicle driver performance and use in determining
insurance coverage, in accordance with an embodiment.
[0014] As described above, the amount of carbon emissions a
particular vehicle generates is dependent on a variety of factors,
such as the type of vehicle and its overall condition,
environmental conditions, and the manner in which the vehicle is
operated. For example, a vehicle driven at high speeds may generate
more emissions than a vehicle driven at moderate speeds.
[0015] As shown in FIG. 1, in accordance with an embodiment, a
driver 100 of a vehicle 101 can use a carbon emissions-based
driving assessment system 103, which can be provided as a portable
device (e.g., a smartphone, PDA, computer, or other portable
device), and which is equipped with a data collection and
assessment environment 104.
[0016] In accordance with an embodiment, the assessment system can
itself include one or more data collection devices 106 (e.g.,
accelerometers, GPS, or other measurement devices) that can be used
to capture data and information or otherwise measure vehicle
actions, together with a data collection and assessment logic 108.
A pattern recognition module 118 is configured with one or more
defined operating patterns, each of which operating patterns
reflects either a known change in vehicle status, or a known
vehicle operating or driving behavior. For example, a vehicle
responds in a physically-measurable manner to driver-based driving
actions, e.g., by the driver turning the vehicle sharply at a
corner. This enables the system to associate patterns with certain
driving behaviors.
[0017] In accordance with an embodiment, a carbon emissions
assessment module 123 includes information about typical carbon
emissions, and can compare current patterns of driving with known
patterns to calculate carbon emissions for a current
driver/vehicle.
[0018] The resultant information can be remotely communicated to an
external insurance provider and/or broker framework (system) 130,
which uses the received information in comparing the calculated
carbon emissions against estimated carbon emissions for similar
types of vehicle, which is indicative of the driver's driving
profile, and using the results in determining insurance quotes for
the current vehicle/driver, or inviting other insurance providers
to offer an insurance quote, or a usage based insurance quote
(UBI).
[0019] In accordance with an embodiment, results from the carbon
emissions assessment module can be compared with physical emission
measurements in order to determine a precision built-in error. This
enables certainty levels to be attached to the calculated
emissions, which allow a plus/minus range and a statistical
treatment of the difference between calculated emissions and
manufacturer expected emissions. In turn, this can be used to
associate confidence intervals with driver quality prediction
scores.
[0020] In accordance with an embodiment, the system can incorporate
or utilize additional functionality as further described in U.S.
patent application titled "SYSTEM AND METHOD FOR USE OF PATTERN
RECOGNITION IN ASSESSING OR MONITORING VEHICLE STATUS OR OPERATOR
DRIVING BEHAVIOR"; application Ser. No. 13/679,722, filed Nov. 16,
2012, which claims the benefit of priority to U.S. Provisional
Patent Application No. 61/578,511, filed Dec. 21, 2011, herein
incorporated by reference.
[0021] FIG. 2 illustrates use of a system for characterizing driver
performance, in accordance with an embodiment. As shown in FIG. 2,
during use, a driver of a vehicle 150 can use the carbon
emissions-based driving assessment system to calculate carbon
emissions for the current driver/vehicle, and to communicate 151
the information to an insurance provider and/or broker framework
for use in determining an insurance quote, or act as a
broker/aggregator in inviting 156 other insurance providers 158 to
offer an insurance quote 160.
[0022] FIG. 3 illustrates use of an insurance provider and/or
broker framework, in accordance with an embodiment. As shown in
FIG. 3, an insurance provider and/or broker framework includes a
customer interface 172 that allows a driver to communicate their
calculated carbon emissions, and an insurance provider interface
174 that enables the insurance provider and/or broker to invite
other insurance providers to offer 176 an insurance quote
personalized to the driver, based on a comparison 173 of the
calculated carbon emissions against estimated carbon emissions for
similar types of vehicle. The information received from the carbon
emissions-based driving assessment system can be secured and/or
anonymized prior to determining the driver's insurance quote, or
inviting other insurance providers to offer an insurance quote.
[0023] FIG. 4 is a flowchart of a method for use of carbon
emissions in characterizing driver performance and use in
determining insurance coverage, in accordance with an embodiment.
As shown in FIG. 4, at step 182, the system receives calculated
carbon emissions provided by the carbon emissions-based driving
assessment system, at the insurance provider and/or broker
framework. At step 184, the system compares calculated carbon
emissions against estimated carbon emissions for similar types of
vehicle, which is indicative of the driver's driving profile. At
step 186, the system determines and provides insurance quote(s)
based on the calculated carbon emissions for the
driver/vehicle.
[0024] The present invention may be conveniently implemented using
one or more conventional general purpose or specialized digital
computers or microprocessors programmed according to the teachings
of the present disclosure, or a portable device (e.g., a
smartphone, PDA, computer or other device), equipped with a data
collection and assessment environment, including one or more data
collection devices (e.g., accelerometers, GPS). Appropriate
software coding can readily be prepared by skilled programmers
based on the teachings of the present disclosure, as will be
apparent to those skilled in the software art.
[0025] In some embodiments, the present invention includes a
computer program product which is a non-transitory storage medium
(media) having instructions stored thereon/in which can be used to
program a computer to perform any of the processes of the present
invention. The storage medium can include, but is not limited to,
any type of disk including floppy disks, optical discs, DVD,
CD-ROMs, microdrive, and magneto-optical disks, ROMs, RAMs, EPROMs,
EEPROMs, DRAMs, VRAMs, flash memory devices, magnetic or optical
cards, nanosystems (including molecular memory ICs), or any type of
media or device suitable for storing instructions and/or data.
[0026] The foregoing description of the present invention has been
provided for the purposes of illustration and description. It is
not intended to be exhaustive or to limit the invention to the
precise forms disclosed. The embodiments were chosen and described
in order to best explain the principles of the invention and its
practical application, thereby enabling others skilled in the art
to understand the invention for various embodiments and with
various modifications that are suited to the particular use
contemplated. For example, although the illustrations provided
herein primarily describe embodiments using vehicles, it will be
evident that the techniques described herein can be similarly used
with, e.g., trains, ships, airplanes, containers, or other moving
equipment, and with other types of data collection devices. It is
intended that the scope of the invention be defined by the
following claims and their equivalence.
* * * * *