US 11,900,471 B1
System for monitoring and using data indicative of driver characteristics based on sensors
Soren K Lundsgaard, Inverness, IL (US); and Tara Cavallaro Kozlowski, Geneva, IL (US)
Assigned to Allstate Insurance Company, Northbrook, IL (US)
Filed by Allstate Insurance Company, Northbrook, IL (US)
Filed on Jun. 14, 2021, as Appl. No. 17/346,471.
Application 17/346,471 is a continuation of application No. 15/145,253, filed on May 3, 2016, granted, now 11,055,785.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/08 (2012.01); G01C 21/34 (2006.01); G06Q 10/1093 (2023.01)
CPC G06Q 40/08 (2013.01) [G01C 21/34 (2013.01); G06Q 10/1095 (2013.01); G06Q 40/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
establishing, by a driving characteristic computing device and via a wireless or a wired network, communication with one or more sensors of a vehicle;
receiving, from the one or more sensors, sensor data;
determining an origin of a trip associated with a user associated with the vehicle, a destination of the trip associated with the user, and a desired arrival time at the destination of the trip;
determining, by the driving characteristic computing device and based on the sensor data, one or more of a fuel level of the vehicle or a battery level of the vehicle;
based on the one or more of the fuel level of the vehicle or the battery level of the vehicle and the desired arrival time at the destination, determining, by the driving characteristic computing device, a recommended departure time from the origin for the user, wherein determining the recommended departure time comprises:
in response to determining that the one or more of the fuel level of the vehicle or the battery level of the vehicle is less than a threshold, determining that the vehicle will stop during the trip for refueling or recharging, and
determining, based on the determining that the vehicle will stop during the trip for refueling or recharging, the recommended departure time;
determining, based on the sensor data, a departure time from the origin for the user;
comparing, by the driving characteristic computing device, the departure time to the recommended departure time;
determining a value of a property of insurance for the user based on the comparing the departure time to the recommended departure time;
prior to the recommended departure time, generating a notification for the user of a first value of the property of insurance if the user departs the origin at or before the recommended departure time and a second value of the property of insurance if the user departs the origin after the recommended departure time;
determining, based on user input in response to an option presented to the user, that the user provides permission to send a notification indicating that the user will arrive at the destination later than the desired arrival time prior to sending the notification; and
adjusting, based on the user providing the user permission to send the notification indicating that the user will arrive at the destination later than the desired arrival time, the value of the property of insurance for the user.