US 12,014,401 B2
Systems and methods for generating user offerings responsive to telematics data
Ryan Michael Gross, Normal, IL (US); Joseph Robert Brannan, Bloomington, IL (US); and Brian N. Harvey, Bloomington, 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 Jan. 30, 2023, as Appl. No. 18/161,699.
Application 18/161,699 is a continuation of application No. 16/780,478, filed on Feb. 3, 2020, granted, now 11,587,130.
Claims priority of provisional application 62/892,850, filed on Aug. 28, 2019.
Prior Publication US 2023/0169547 A1, Jun. 1, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/02 (2023.01); G01C 21/34 (2006.01); G01C 21/36 (2006.01); G06N 5/04 (2023.01); G06N 20/00 (2019.01); G06Q 30/0208 (2023.01); G06Q 30/0279 (2023.01); H04W 4/02 (2018.01); H04W 4/029 (2018.01)
CPC G06Q 30/0279 (2013.01) [G01C 21/3446 (2013.01); G01C 21/3484 (2013.01); G01C 21/3492 (2013.01); G01C 21/3688 (2013.01); G06N 5/04 (2013.01); G06N 20/00 (2019.01); G06Q 30/0208 (2013.01); H04W 4/027 (2013.01); H04W 4/029 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A user analytics computing device for processing mobile device telematics data, the user analytics computing device comprising at least one processor in communication with a memory device, the at least one processor programmed to:
store a model to predict a travel mode for at least one user based upon historical telematics data associated with a plurality of users, the model being built using at least one of machine learning and artificial intelligence techniques;
form a first group by assigning the at least one user to the first group;
receive, from a mobile device associated with the at least one user, telematics data associated with movement of the at least one user over a period of time;
input the telematics data into the model to determine one or more travel modes of the at least one user during the period of time;
parse subsets of the telematics data based upon the determined one or more travel modes, each subset of the telematics data associated with a respective determined travel mode of the at least one user during the period of time;
retrieve at least one eligibility condition that defines eligibility for the first group to qualify for a user offering, wherein at least one of the at least one eligibility condition is associated with a first travel mode of the determined one or more travel modes;
aggregate one subset of the telematics data associated with the first travel mode of the at least one user into first group telematics data associated with the first travel mode;
determine that the first group telematics data satisfies the at least one eligibility condition; and
cause a notification to be displayed on the mobile device associated with the at least one user, wherein the notification includes an indication that the first group telematics data satisfies the at least one eligibility condition.