US 12,112,387 B2
Systems and methods for generating mobility insurance products using ride-sharing 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 Jun. 8, 2023, as Appl. No. 18/331,760.
Application 18/331,760 is a continuation of application No. 16/780,634, filed on Feb. 3, 2020, granted, now 11,954,736.
Claims priority of provisional application 62/934,948, filed on Nov. 13, 2019.
Claims priority of provisional application 62/934,932, filed on Nov. 13, 2019.
Claims priority of provisional application 62/892,853, filed on Aug. 28, 2019.
Claims priority of provisional application 62/892,916, filed on Aug. 28, 2019.
Prior Publication US 2023/0316418 A1, Oct. 5, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01); G06Q 10/20 (2023.01); G06Q 20/10 (2012.01); G06Q 30/0201 (2023.01); G06Q 30/0207 (2023.01); G06Q 30/0282 (2023.01); G06Q 40/02 (2023.01); G06Q 50/40 (2024.01); G07C 5/00 (2006.01); G07C 5/08 (2006.01); G10L 15/18 (2013.01)
CPC G06Q 40/08 (2013.01) [G06Q 10/20 (2013.01); G06Q 20/102 (2013.01); G06Q 30/0206 (2013.01); G06Q 30/0215 (2013.01); G06Q 30/0282 (2013.01); G06Q 40/02 (2013.01); G06Q 50/40 (2024.01); G07C 5/008 (2013.01); G07C 5/0808 (2013.01); G07C 5/085 (2013.01); G10L 15/1822 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A data analytics computing device in communication with a transportation network company (“TNC”) computing device that is associated with a TNC, and a vehicle computing device associated with a vehicle that at least periodically operates as part of the TNC, the data analytics computing device having at least one processor in communication with at least one memory, the at least one processor configured to:
receive telematics data from the vehicle computing device, the telematics data associated with operation of the vehicle and collected by a plurality of sensors associated with the vehicle;
generate, using one or more machine learning programs, a driving model of a driver of the vehicle trained using the telematics data collected while the driver is operating the vehicle and ratings of the driver while operating the vehicle as part of the TNC;
receive additional telematics data, additional ratings of the driver for a more recent operation of the vehicle, and environment data indicative of current environmental conditions of an area where the vehicle is being operated;
receive, in real-time from the TNC computing device, vehicle usage data indicative of a current demand of vehicles as compared to a current supply of vehicles operating as part of the TNC;
further train, using the one or more machine learning programs, the driving model by applying the additional telematics data, the additional ratings, the environment data, and the vehicle usage data to the driving model;
determine, in real-time, personalized coverage for the driver currently operating the vehicle as part of the TNC by executing, in real-time, the further trained driving model; and
transmit, to a user computing device associated with the driver, the personalized coverage.