US 11,841,234 B1
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 Feb. 3, 2020, as Appl. No. 16/780,451.
Claims priority of provisional application 62/892,850, filed on Aug. 28, 2019.
Int. Cl. G01C 21/34 (2006.01); G06N 5/04 (2023.01); G01C 21/36 (2006.01); G06N 20/00 (2019.01)
CPC G01C 21/3484 (2013.01) [G01C 21/3446 (2013.01); G01C 21/3492 (2013.01); G01C 21/3688 (2013.01); G06N 5/04 (2013.01); G06N 20/00 (2019.01)] 20 Claims
OG exemplary drawing
 
1. A user analytics computing device for processing vehicle-based telematics data and generating user offerings responsive to the vehicle-based 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:
receive, from a vehicle computing device associated with a first vehicle, historical telematics data associated with a plurality of historical trips taken by a first driver using the first vehicle;
generate a driver profile of the first driver based at least in part upon the historical telematics data;
access, from the memory device, contextual data associated with an environment in which the first vehicle travelled during the plurality of historical trips;
synthesize the driver profile and the contextual data to generate a contextualized driver profile, wherein the contextualized driver profile includes (i) metrics associated with driving behavior of the first driver within the environment and (ii) models associated with common routes driven by the first driver;
based upon the contextualized driver profile, generate a user offering to influence the driver profile;
transmit the user offering to a user computing device associated with the first driver;
cause to be displayed on the user computing device the user offering including an indication of adverse driving behavior of the first driver affecting the driver profile and an incentive if the adverse driving behavior is corrected; and
after the user offering is transmitted:
receive, from the vehicle computing device, current telematics data associated with current trips taken by the first driver using the first vehicle;
analyze the current telematics data to determine whether the adverse driving behavior has been corrected; and
in response to determining that the adverse driving behavior has been corrected, transmit, to the user computing device, a confirmation message indicating that the first driver has earned the incentive.