| US 11,734,766 B1 | ||
| Telematics devices and ridesharing | ||
| Daniel Carey Bernstein, Boston, MA (US); Christopher Tassone, Boston, MA (US); and Nicholas Grant, Boston, MA (US) | ||
| Assigned to LIBERTY MUTUAL INSURANCE COMPANY, Boston, MA (US) | ||
| Filed by Liberty Mutual Insurance Company, Boston, MA (US) | ||
| Filed on May 11, 2020, as Appl. No. 16/871,086. | ||
| Application 16/871,086 is a continuation of application No. 14/958,584, filed on Dec. 3, 2015, granted, now 10,733,672, issued on Aug. 4, 2020. | ||
| Claims priority of provisional application 62/087,066, filed on Dec. 3, 2014. | ||
| This patent is subject to a terminal disclaimer. | ||
| Int. Cl. G06Q 40/00 (2023.01); G06Q 40/08 (2012.01); G07C 5/08 (2006.01); G01C 21/34 (2006.01); G07C 5/00 (2006.01) | ||
| CPC G06Q 40/08 (2013.01) [G01C 21/3438 (2013.01); G07C 5/008 (2013.01); G07C 5/0841 (2013.01)] | 20 Claims |
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1. A reconciliation system comprising risk pre-scoring hardware operating in parallel with audit hardware, at least one processor, at least one memory, and a non-transitory computer-readable medium, the reconciliation system configured to:
by the risk pre-scoring hardware:
receive driving data for a vehicle via at least a telematics device affixed to or installed in the vehicle, wherein the driving data comprises at least one of driving distances or driving times;
receive status information of a ridesharing application operative on the telematics device, the status information based on at least whether a ridesharing receiver of the telematics device is on or off;
from the driving data and the status information of the ridesharing application, identify:
(a) first driving data for the vehicle, wherein the first driving data (i) is related to a first driving segment of a plurality of driving segments in which the ridesharing receiver is off, the ridesharing application operative on the telematics device is not actuated to electronically receive ridesharing requests, or the ridesharing application operative on the telematics device indicates no ride ridesharing requests have been accepted, (ii) comprises an indication of at least one of a first distance or first time driven during the first driving segment, and (iii) comprises an indication of a first time associated with the first driving segment,
(b) second driving data for the vehicle, wherein the second driving data (i) is related to a second driving segment of the plurality of driving segments in which the ridesharing receiver is on, and the ridesharing application operative on the telematics device indicates an accepted ride ridesharing request but the vehicle has not yet begun transporting a ridesharing customer associated with the ridesharing request, (ii) comprises an indication of at least one of a second distance or second time driven during the second driving segment, and (iii) comprises an indication of a second time associated with the second driving segment, and
(c) third driving data for the vehicle, wherein the third driving data (i) is related to a third driving segment of the plurality of driving segments in which the ridesharing receiving is on, and the ridesharing application operative on the telematics device indicates the vehicle is transporting the ridesharing customer, (ii) comprises an indication of at least one of a third distance or third time driven during the third driving segment, and (iii) comprises an indication of a third time associated with the third driving segment;
for each of the plurality of driving segments, programmatically generate a risk score based at least in part on the corresponding distance driven and the corresponding time;
by the audit hardware:
programmatically perform an audit of a first coverage for the vehicle based at least in part on the first driving data and the corresponding risk score and the second driving data and the corresponding risk score, wherein performing the audit comprises one or more of (i) calculating a refund of zero, or (ii) calculating additional insurance charges;
programmatically perform an audit of a second coverage for the vehicle based at least in part on the second driving data and the corresponding risk score and the third driving data and the corresponding risk score, wherein performing the audit comprises one or more of (i) calculating a refund of zero, or (ii) calculating additional insurance charges; and
provide for display, by a user interface, of an indication of one or more of (a) the audit of the first coverage for the vehicle or (b) the audit of the second coverage for the vehicle.
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