US 11,810,139 B2
Systems and methods for managing and processing vehicle operator accounts based on vehicle operation data
Kerry Cote, Mesa, AZ (US); Nicholas R. Baker, Normal, IL (US); Mark E. Clauss, Bloomington, IL (US); Todd Binion, Bloomington, IL (US); Andrea Lee Rhoades, Kenney, IL (US); Steven J. Balbach, Bloomington, IL (US); Brian Mark Fields, Phoenix, AZ (US); and Kyle Pott, 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 Mar. 10, 2022, as Appl. No. 17/691,348.
Application 17/691,348 is a continuation of application No. 17/039,875, filed on Sep. 30, 2020, granted, now 11,301,890.
Application 17/039,875 is a continuation of application No. 15/966,048, filed on Apr. 30, 2018, granted, now 10,832,270.
Application 15/966,048 is a continuation of application No. 14/843,489, filed on Sep. 2, 2015, granted, now 10,013,697.
Prior Publication US 2022/0198497 A1, Jun. 23, 2022
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0207 (2023.01); B60W 40/09 (2012.01); G07C 5/08 (2006.01); G06Q 40/08 (2012.01); G06Q 30/0208 (2023.01)
CPC G06Q 30/0207 (2013.01) [B60W 40/09 (2013.01); G06Q 30/0208 (2013.01); G06Q 40/08 (2013.01); G07C 5/0808 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system to assess vehicle operator performance, comprising:
one or more sensors configured to track operation of a vehicle by a driver during at least one temporary association with the vehicle; and
one or more processors communicatively coupled to the one or more sensors, wherein the one or more processors are configured to:
collect, from the one or more sensors, vehicle operational data during the at least one temporary association with the vehicle;
determine, from the vehicle operational data collected from the one or more sensors, a set of driving events experienced during the at least one temporary association with the vehicle, wherein the set of driving events comprises a set of negative driving events and a set of positive driving events;
calculate, based on an amount of the set of negative driving events and not on the set of positive driving events of the set of driving events, a driving score; and
determine whether the driver qualifies for a reward based on whether the driving score has maintained at least a threshold rating over a course of the at least one temporary association.