US 12,187,289 B1
Systems and methods for generating refined risk models responsive to vehicle-based telematics data
Joseph Robert Brannan, Bloomington, IL (US); Brian N. Harvey, Bloomington, IL (US); Darwin Gene Beachy, Hopedale, IL (US); Matthew Eric Riley, Sr., Heyworth, IL (US); Benjamin Joel Tucker, Le Roy, IL (US); Michael Aaron Myers, Heyworth, IL (US); and Ryan Michael Gross, Normal, 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. 3, 2021, as Appl. No. 17/191,400.
Claims priority of provisional application 63/059,733, filed on Jul. 31, 2020.
Claims priority of provisional application 63/006,263, filed on Apr. 7, 2020.
Int. Cl. B60W 40/09 (2012.01); B60W 30/08 (2012.01); G06N 20/00 (2019.01); G06V 20/56 (2022.01); H04W 4/021 (2018.01); H04W 4/40 (2018.01)
CPC B60W 40/09 (2013.01) [B60W 30/08 (2013.01); G06N 20/00 (2019.01); G06V 20/56 (2022.01); H04W 4/021 (2013.01); H04W 4/40 (2018.02)] 17 Claims
OG exemplary drawing
 
1. A data analytics computing device comprising at least one processor in communication with a memory device, the at least one processor programmed to:
receive geolocation data and telematics data associated with a first plurality of vehicles operated within a geographic area, the geolocation data captured at a location sensor of a vehicle computing device and representative of a location of the vehicle, the telematics data captured at a plurality of sensors of at least one of the vehicle or the vehicle computing device and representative of movement of the vehicle;
apply machine-learning techniques to the geolocation data and the telematics data to define standard driving behavior within the geographic area;
receive real-time telematics and geolocation data associated with a second plurality of vehicles operating in real-time within the geographic area;
detect, in the real-time telematics and geolocation data, a threshold deviation of real-time driving behavior from the standard behavior at a location within the geographic area;
based upon the detection, identify the location as experiencing non-standard driving behavior;
identify a plurality of alternate routes to avoid the identified location;
determine a respective alternate route of the plurality of alternate routes to which to send each respective vehicle currently within a threshold distance of the identified location, based upon one of: (i) output from a random number generator, or (ii) a determined current traffic capacity for each alternate route based upon the real-time telematics and geolocation data;
generate a set of instruction messages, each instruction message associated with a respective vehicle currently within the threshold distance of the identified location, each instruction message including an indicator of the identified location, a current location of the respective vehicle relative to the identified location, and respective instructions to re-route along the determined respective alternate route of the plurality of alternate routes; and
transmit each instruction message, each instruction message causing, at a respective recipient device, display of the instructions as an overlay on a real-time driving behavior map of the geographic area.