18819834. SYSTEMS AND METHODS FOR GENERATING REFINED RISK MODELS RESPONSIVE TO VEHICLE-BASED TELEMATICS DATA (State Farm Mutual Automobile Insurance Company)

SYSTEMS AND METHODS FOR GENERATING REFINED RISK MODELS RESPONSIVE TO VEHICLE-BASED TELEMATICS DATA

Organization Name

State Farm Mutual Automobile Insurance Company

Inventor(s)

Joseph Robert Brannan of Bloomington IL (US)

Brian N. Harvey of Bloomington IL (US)

Darwin Gene Beachy of Hopedale IL (US)

Matthew Eric Riley, Sr. of Heyworth IL (US)

Benjamin Joel Tucker of Le Roy IL (US)

Michael Aaron Myers of Heyworth IL (US)

Ryan Michael Gross of Normal IL (US)

SYSTEMS AND METHODS FOR GENERATING REFINED RISK MODELS RESPONSIVE TO VEHICLE-BASED TELEMATICS DATA

This abstract first appeared for US patent application 18819834 titled 'SYSTEMS AND METHODS FOR GENERATING REFINED RISK MODELS RESPONSIVE TO VEHICLE-BASED TELEMATICS DATA

Original Abstract Submitted

A data analytics computing device for generating refined risk models responsive to vehicle-based telematics data is configured to receive geolocation data and telematics data associated with a plurality of vehicles. The geolocation data is captured at a location sensor of a vehicle computing device and representative of a location of the vehicle, and the telematics data is captured at a plurality of sensors of at least one of the vehicle or the vehicle computing device and representative of movement of the vehicle. The plurality of vehicles is associated with a geographic area. The data analytics computing device is also configured to apply machine-learning techniques to the geolocation data and the telematics data to define standard driving behavior within the geographic area, and generate driving behavior risk models for the geographic area based upon the standard driving behavior.