US 11,790,458 B1
Systems and methods for modeling telematics, positioning, and environmental data
Sunish Menon, Normal, IL (US); Weixin Wu, Normal, IL (US); Bernardo Bracero, Bloomington, IL (US); Jeffrey Wilson Stoiber, Bloomington, IL (US); Stan E. Gozur, Bloomington, IL (US); Jeremy Shawn Fogg, Bloomington, IL (US); and Phillip Sangpil Moon, Bloomington, IL (US)
Assigned to STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US)
Filed by State Farm Mutual Automobile Insurance Company, Bloomington, IL (US)
Filed on Apr. 22, 2021, as Appl. No. 17/237,884.
Claims priority of provisional application 63/083,627, filed on Sep. 25, 2020.
Claims priority of provisional application 63/014,404, filed on Apr. 23, 2020.
Int. Cl. G06Q 40/08 (2012.01); G06N 20/00 (2019.01); G07C 5/08 (2006.01); G07C 5/00 (2006.01)
CPC G06Q 40/08 (2013.01) [G06N 20/00 (2019.01); G07C 5/008 (2013.01); G07C 5/0841 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A modeling computing device comprising at least one processor in communication with at least one memory device, the at least one processor configured to:
retrieve, from the at least one memory device, historical data associated with a plurality of users, wherein the historical data includes historical liability amount data and historical user data, and wherein the historical user data includes at least one of historical personal information, historical vehicle telematics data, and historical environmental data;
create a first plurality of training datasets including the historical liability amount data and the historical user data;
build, using one or more machine learning programs, a model based upon the first plurality of training datasets;
store the model in the at least one memory device;
collect current user data of a candidate user associated with a vehicle, wherein the current user data includes current personal information, current vehicle telematics data, and current environmental data, wherein the current vehicle telematics data and the current environmental data are gathered by one or more sensors during operation of the vehicle, and wherein the one or more sensors include a GPS device, an accelerometer, a gyroscope, a camera, and a sensor installed within the vehicle or located remotely from the vehicle;
create a second plurality of training datasets by updating the first plurality of training datasets to include the collected current user data;
update the model by applying the second plurality of training datasets to the model; and
execute the updated model to determine a current liability amount for the candidate user.