US 12,293,338 B2
Vehicle telematics systems and methods
Joseph Robert Brannan, Bloomington, IL (US); Ryan Michael Gross, Normal, IL (US); Matthew Eric Riley, Sr., Heyworth, IL (US); Darwin Gene Beachy, Hopedale, IL (US); Michael Aaron Myers, Heyworth, IL (US); Brian N. Harvey, Bloomington, IL (US); Benjamin Joel Tucker, Bloomington, IL (US); and Scott Thomas Christensen, Salem, OR (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. 2, 2024, as Appl. No. 18/431,328.
Application 18/431,328 is a continuation of application No. 17/071,163, filed on Oct. 15, 2020, granted, now 11,900,330.
Claims priority of provisional application 62/938,423, filed on Nov. 21, 2019.
Claims priority of provisional application 62/925,500, filed on Oct. 24, 2019.
Claims priority of provisional application 62/923,050, filed on Oct. 18, 2019.
Prior Publication US 2024/0177121 A1, May 30, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 10/20 (2023.01); G07C 5/00 (2006.01)
CPC G06Q 10/20 (2013.01) [G07C 5/006 (2013.01)] 20 Claims
OG exemplary drawing
 
9. A computer-implemented method for using vehicle telematics data to evaluate operation of a subject vehicle, the method being implemented by one or more processors, the method comprising:
generating, by the one or more processors, a vehicle maintenance and charging model, the vehicle maintenance and charging model defining (i) standard operation of a plurality of vehicles based upon reference telematics data captured from a plurality of reference vehicles, and (ii) standard charging characteristics of the plurality of vehicles based upon the reference telematics data;
receiving, by the one or more processors from a user computing device of a user associated with the subject vehicle, first vehicle telematics data associated with operation of the subject vehicle, the first vehicle telematics data captured over a period of time including sensor data from device sensors associated with the subject vehicle;
using the first vehicle telematics data as input, executing, by the one or more processors, the vehicle maintenance and charging model;
receiving, by the one or more processors as output from the vehicle maintenance and charging model, one or more scores indicating the user's operation of the subject vehicle is better than standard operation of like vehicles; and
automatically adjusting, by the one or more processors, a periodic maintenance cost associated with the subject vehicle to have an adjusted value less than an initial value by an amount proportional to at least one of a reduced maintenance schedule and a reduced burden on charging infrastructure, based upon the one or more scores output from the vehicle maintenance and charging model.