US 12,248,981 B2
System and methods for determining rental eligibility based on contextual telematics data
Brian N. Harvey, Bloomington, IL (US); Joseph Robert Brannan, Bloomington, IL (US); J. Lynn Wilson, Normal, IL (US); Matthew Eric Riley, Sr., Heyworth, IL (US); and Ryan 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 Feb. 26, 2024, as Appl. No. 18/587,640.
Application 18/587,640 is a continuation of application No. 16/267,023, filed on Feb. 4, 2019, granted, now 11,915,306.
Prior Publication US 2024/0193675 A1, Jun. 13, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/0645 (2023.01); B60W 40/04 (2006.01); B60W 40/06 (2012.01); B60W 40/09 (2012.01)
CPC G06Q 30/0645 (2013.01) [B60W 40/04 (2013.01); B60W 40/06 (2013.01); B60W 40/09 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a processor, telematics data indicative of operation of a first vehicle by a driver during a first period of time;
identifying, by the processor and based on the telematics data, one or more driving behaviors of the driver;
accessing, by the processor, a profile of an owner of a second vehicle, wherein the profile includes a criteria of the owner, the criteria:
characterizing drivers allowed to drive the second vehicle during a second period of time,
remaining unchanged for one or more destinations during the second period of time, the one or more destinations being selected by the drivers, and being unknown to the owner, and
indicating a first state of an environment;
identifying, by the processor, a subset of the one or more driving behaviors associated with the first state of the environment;
determining, by the processor, one or more renter eligibility values for the driver based on the subset of the one or more driving behaviors;
determining, by the processor and based on the first state of the environment, that the one or more renter eligibility values satisfies the criteria; and
causing, by the processor, an indication of the second vehicle to be displayed on an electronic device of the driver based on the one or more renter eligibility values satisfying the criteria.