US 12,002,106 B1
Systems and methods for adjusting premium rate based on usage
Igor Alexandre Gregorio, San Antonio, TX (US); Eric John Ortiz, San Antonio, TX (US); Veronica Montemayor, San Antonio, TX (US); Jennifer Lynne Gravely, San Antonio, TX (US); Earl Sargent, San Antonio, TX (US); Fernando Sanzzi, San Antonio, TX (US); and Mark Medeiros, Boerne, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Jul. 27, 2022, as Appl. No. 17/875,011.
Application 17/875,011 is a division of application No. 17/030,019, filed on Sep. 23, 2020, granted, now 11,403,714.
Application 17/030,019 is a continuation of application No. 16/051,056, filed on Jul. 31, 2018, granted, now 10,832,342, issued on Nov. 10, 2020.
Claims priority of provisional application 62/539,299, filed on Jul. 31, 2017.
Int. Cl. G06Q 40/08 (2012.01); B60W 40/09 (2012.01); G07C 5/00 (2006.01)
CPC G06Q 40/08 (2013.01) [B60W 40/09 (2013.01); G07C 5/008 (2013.01); B60W 2556/10 (2020.02)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a mobile device comprising one or more sensors configured to monitor one or more properties related to one or more operations of a vehicle, wherein the one or more properties comprise an amount of time that the mobile device is in use while driving the vehicle; and
a processor configured to:
receive a first driving behavior score, wherein the first driving behavior score is associated with an applicant and corresponds to a first driving behavior data of the applicant, wherein the first driving behavior data is acquired over a first period of time;
receive a set of data comprising the one or more properties from the mobile device, wherein the set of data is indicative of a second driving behavior data of the applicant acquired over a second period of time, wherein a second driving behavior score corresponds to the second driving behavior data and is determined based on the amount of time that the mobile device is in use while driving the vehicle;
determine if the second driving behavior data of the applicant corresponds to the first driving behavior score; and
in response to determining that the second driving behavior data of the applicant does not correspond to the first driving behavior score:
determine that a renewal period for a premium rate for the applicant is within a threshold amount of time, wherein the premium rate comprises a fixed base rate and a vehicle rate, wherein the fixed base rate is determined based on a risk value associated with the second driving behavior data, and wherein the vehicle rate comprises a fixed vehicle base rate and a vehicle per mile rate, wherein the vehicle rate is determined based on an additional risk value associated with a type of the vehicle;
lock the second driving behavior score as a driving behavior score to be used to determine a premium rate discount in response to determining that the renewal period is within the threshold amount of time;
determine the premium rate discount based on the second driving behavior score, wherein the premium rate discount is configured to discount a portion of the premium rate for the applicant;
send a notification configured to cause display of a visualization comprising the premium rate discount and the premium rate on a display coupled to the vehicle;
determine a real-time update of the second driving behavior score and the premium rate discount; and
update the visualization with the real-time update of the second driving behavior score and the premium rate discount while the vehicle is being driven.