US20100138244A1 - Recording and reporting of driving characteristics with privacy protection - Google Patents
Recording and reporting of driving characteristics with privacy protection Download PDFInfo
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- US20100138244A1 US20100138244A1 US12/598,254 US59825408A US2010138244A1 US 20100138244 A1 US20100138244 A1 US 20100138244A1 US 59825408 A US59825408 A US 59825408A US 2010138244 A1 US2010138244 A1 US 2010138244A1
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- vehicle
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- data
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- operation characteristic
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C5/00—Registering or indicating the working of vehicles
- G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
- G07C5/0841—Registering performance data
- G07C5/085—Registering performance data using electronic data carriers
- G07C5/0858—Registering performance data using electronic data carriers wherein the data carrier is removable
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C5/00—Registering or indicating the working of vehicles
- G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station
Definitions
- the vehicle operation characteristics are gathered and sent as shown in FIG. 4 .
- the risk-coding algorithm 70 receives the vehicle information, such as vehicle location (as determined by GPS or other sensors, such as by the cell towers triangulating the location of the mobile device 19 ), vehicle speed, current speed limit (as determined for the current vehicle location from a map database of speed limits), time of day, day of the week, hard accelerations (including hard braking), etc.
- the risk-coding algorithm 70 could be performed on the server 22 (after which, the underlying data is discarded), on the cradle 14 or in the user's computer 18 prior to transmission to the server 22 .
- a risk map database 72 includes risk ratings for a plurality of geographical areas (e.g. zip codes).
- the risk map database 72 may include more than one risk rating for each geographical area, such that different risk ratings are applicable for different times of day or days of the week.
- the risk rating mapping is many to one, meaning that many different geographical areas will have the same risk rating.
Abstract
Description
- This invention relates to a device and method for recording driving characteristics and diagnosing a condition of the device. More particularly, this invention relates to a method and device for recording driving characteristics utilized to monitor and compile vehicle usage data and diagnosing device condition for determining an insurance premium.
- Some vehicle insurance currently determines price based upon information gathered by in-vehicle sensors that indicate where the vehicle was driven, how fast the vehicle was driven, times of day and days of the week, etc.
- There are some concerns that the amount of detailed information that is given to the insurance companies with these types of systems intrudes on the privacy of the users.
- In one example embodiment of the present invention, the privacy of the user is protected by performing some coding prior to sending the information from the user. Specific details of the user's driving history are converted to generalized codes that relate to insurance rates. Optionally, different types of vehicle information may be combined into generating the codes to be sent from the user in order to provide even more privacy.
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FIG. 1 is a schematic representation of an example system and process for gathering vehicle usage data. -
FIG. 2 is a block diagram of an example device for gathering and compiling vehicle usage data. -
FIG. 3 is a block diagram of another example device gathering and compiling vehicle usage data. -
FIG. 4 is a schematic representation of the risk-coding system and process used in the systems ofFIGS. 1-3 . - Referring to
FIG. 1 , a schematic representation of thesystem 10 is shown and includes acradle 14 for installation within avehicle 12. Thecradle 14 is installed within thevehicle 12 preferably in a location that is easily accessible yet not in plain view such as to cause an obstruction to the operator. Preferably, thecradle 14 will be installed underneath an instrument panel or within a glove compartment. Thecradle 14 is attached and connected to receive power from a vehicle power source. Power from the vehicle can originate from a non-switched fuse box, OBD-II port, or other powered connection within thevehicle 12 as known. - A memory device provides for the extraction of data gathered and stored within the
cradle 14. The memory device illustrated is aUSB data key 16 that is insertable and removable from thecradle 14. TheUSB data key 16 receives information that is compiled from thecradle 14 for subsequent analysis. In the example embodiment, theUSB data key 16 is removed and communicates with apersonal computer 18. The vehicle user removes theUSB data key 16 in response to a triggering event such as a lapse of time and downloads the information into thepersonal computer 18. The information is then transmitted via the Internet or other data communication link to acentral server 22. Thecentral server 22 interprets the information and generatessummary 28 andusage reports 30. - The
summary 28 may be reviewed by anoperator 26 andinsurance provider 24 and can contain any desired combination of information gathered by thecradle 14. Thereports 30 for the insurance provider may include more directed and focused usage information directly focused for determining an insurance premium tailored to thespecific operator 26. Thedata key 16 may also include amicroprocessor 15 that enables separate execution of software instructions independent of apersonal computer 18. - The
data key 16 can include a code or other instructions that pairs thedata key 16 with aspecific vehicle 12 or with thespecific cradle 14 disposed within the vehicle. The paired nature of thedata key 16 to thecradle 14 provides for the prevention of unauthorized use or download of information from other data keys from other vehicles. - Data that is saved to the
data key 16 is encrypted to prevent the unauthorized modification by a user or other individual. The encrypting is provided to prevent modification of any data stored on thedata key 16 such that data stored on thedata key 16 can be assured to be actual data indicative of vehicle operation. Thedata key 16 includes programming that provides information and programming that can discern whether thedata key 16 is connected to thecradle 14 within the vehicle or that it is connected to apersonal computer 18. If connected to apersonal computer 18, programming and encryption prevent unauthorized manipulation of stored data. -
FIG. 1 shows an example transmission method where thecradle 14 directly transmits by way of awireless link 20 to thecentral server 22. This provides for the automatic transmission of data indicative of vehicle usage directly to thecentral server 22 without requiring operator intervention or action. Such a wireless transmission link streamlines data acquisition and processing at thecentral server 22. Further, automatic and direct transmission of vehicle usage information can substantially eliminate potential data integrity and verification issues that may arise with the involvement of theoperator 26. - Another means for communicating information gathered by the
cradle 14 to thecentral server 22 is through a Bluetoothconnection 17 with a cellular communication device, such as for example aphone 19. The Bluetoothconnection 17 between thephone 19 and thecradle 14 facilitates communication through acellular phone network 21 to thecentral server 22. Thephone 19 includes a resident program that directs the receipt and forwarding of data from thecradle 14 to the central server through the Bluetoothconnection 17. - The wireless link may also include a connection by way of a local
area WiFi link 25 as is known. The wireless link can include any known low frequency transmission format. Further, the path of the transmission may include other paths as are known, not simply those that are illustrated. As appreciated, many different wireless networks or methods of utilizing wireless networks can be utilized to upload vehicle operation data. - Referring to
FIG. 2 , thecradle 14 is shown schematically and includes amemory module 34, apower module 40, alocation module 36 and asensor module 44. Each of these modules is in communication with amicroprocessor 32. Themicroprocessor 32 communicates with the various modules to receive data and other information as required. - The
memory module 34 includes avolatile memory 52 and anon-volatile memory 54. Data is stored in thememory module 34 as directed by themicroprocessor 32 until transmission to thecentral server 22. - The
power module 40 is preferably connected to an always-onvehicle power source 56. Further, the power module includes a connection to anaccessory power signal 58 that provides an indication that the vehicle ignition is on. Thecradle 14 is powered by power from thevehicle 12. Thepower module 38 includes arechargeable battery 40 for operation in circumstances where vehicle power is not provided to thecradle 14. This allows thecradle 14 to operate in some capacity when the vehicle power source is not properly providing power. - The
power module 38 provides continuous main power from the vehicle's main battery source. In the disclosed example, power is accessed from a non-switched fuse panel, OBD-II or other vehicle power connection location. To ensure that during periods when power is disconnected, therechargeable battery 40 is able to maintain system critical functionality. In other words, some power is always provided to thecradle 14 such that minimal functions can always be performed. As appreciated, although arechargeable battery 40 is shown and described, standard non-rechargeable batteries are also within the contemplation for use in providing an alternate and independent power supply to thecradle 14. - The
sensor module 44 includes anaccelerometer 46 for determining an acceleration or deceleration of thevehicle 12. The accelerometer is preferably capable of measuring acceleration in three axes; however, any accelerometer known in the art is within the contemplation of this invention. Measuring acceleration provides a good indication of driving habits of theoperator 26. Frequent hard braking and hard acceleration can be indicators of operator driving habits. Further, hard cornering is also detected by theaccelerometer 46 and provides information indicative of an operator's driving habits. - A
real time clock 50 provides the time for several purposes including providing a determination of the time of day in which the vehicle is operating. Theclock 50 allows the determination of trends of vehicle usage. Further, theclock 50 is utilized to determined the amount of time the vehicle is used, per-day and over the enter data acquisition period. - The
vibration sensor 48 provides an indication as to whether the vehicle is moving or not in the absence of power from the vehicle itself. This provides a validation function to determine if the lack of power from the vehicle is truly indicative of the vehicle not operating or if the vehicle is moving without powering thecradle 14. - The
localization module 36 includes anantenna 35 and a globalpositioning system module 37. Theantenna 35 receives signals from satellites to determine a location of thecradle 14, and thereby the vehicle with regard to a specific longitude and latitude. The position information provides for the determination of the places in which the vehicle is being utilized. Positional information provides for the determination of several valuable types of information including time within a specific geographic region in which a vehicle is operating. Further, the location module provides information that is utilized to determine how much time a vehicle is used within a specific defined region such as a postal code, city or town limit. The system may even provide information as to the type of road the vehicle is used on, for example surface streets or on an expressway. - The
GPS module 37 also provides an alternate means of gathering vehicle acceleration information in the absence of data from the accelerometer. The positional information provided by theGPS module 37 over time provides for the determination of vehicle acceleration in two axes in the event that thesensor module 44 and thereby information from theaccelerometer 46 is not available. Additionally, acquisition of time measurements can be facilitated through theGPS module 37 in the event that communication with thereal time clock 50 is not available. - The
Bluetooth connection 17 is alternatively utilized in concert with theGPS module 37 to provide a means of remotely obtaining location information of the vehicle. Thecentral server 22 can call thephone 19 associated with thecradle 14 and upload location information obtained by theGPS module 37. The upload of location information can be triggered remotely by thecentral server 22 by contacting thephone 19 that in turn through theBluetooth 17 link will obtain information on the location of the vehicle. This information is then communicated back over thecellular connection 21 to thecentral server 22. Further, the communication between thephone 19, thecentral server 22 and thecradle 14 provides for real-time location and tracking of a vehicle. The real-time tracking can be triggered according to a desired schedule, or in response to a specific triggering event. - Further, the resident program within the
phone 19 can be utilized to periodically trigger communication as desired to provide an alternate method of uploading information from thecradle 14 to thecentral server 22. An operator can be provided with the option to accept or reject communication. Such communication can also be delayed to provide for operation of the phone by the operator as desired. As appreciated, many different triggering events and schedules can be instituted utilizing theBluetooth communication link 17 to provide desired data on vehicle operation and location. - The
cradle 14 includes instructions that are utilized in the event of a blackout of the OPS system. As appreciated, some areas or other conditions may be blacked out from GPS signals required to determine a position. An example embodiment includes provisions for compensating for such blackouts. During such a blackout the cradle utilizes the last known GPS position along with speed and direction data gathered from other system to determine a general location. The general location determined independent of the GPS system is not as accurate, but can provide information as to the general geographic location. The general geographic location is determined from the available vehicle information that is indicative of vehicle direction and speed. As appreciated, such a system can be utilized when the geographic nature of the area such as a tunnel or mountains prevent a clear OPS signal. - Further, the vehicle speed and direction information can be utilized in conjunction with the next GPS signal such that the path of the
vehicle 12 can be orientated utilizing the two separate GPS signals along with the intervening information indicative of vehicle speed and direction. - The
cradle 14 includes adata extraction module 42 for the transmission and removal of data from thecradle 14. The exampledata extraction module 42 includes aUSB port 45 for communication with a removable data storage device such as theUSE key 16. The exampledata extraction module 42 may also comprise a wireless transmission device for sending a transmission to a receiver station and subsequently to thecentral server 22. - The wireless communication can include a wireless USB, an infrared signal or other known wireless transmission device. The
data extraction module 42 may also include a carrier based wireless transmission device. The exampledata extraction module 42 communicates with aWiFi module 25 for communicating information to a WiFi network. Further, thedata extraction module 42 can include a peer-to-peer wireless transmission where an intermediate receiver station receives the peer-to-pear communication and passes it onto thecentral server 22 by a wireless or wired connection. Thedata extraction module 42 is also in communication with aBluetooth module 17 for communicating with other Bluetooth enabled devices. Further, communication can then be enabled through a Bluetooth device such as thephone 19 through acellular communications network 21. - The
data extraction module 42 may also comprise a data modem transmission device that is attachable to a download station. Thedata extraction module 42 would comprise in such an embodiment a serial or other connection interface for attachment to a modem or other known connection or port. - Referring to
FIG. 3 , another example cradle 14A includes a data extraction module 42A with only theUSB port 45. TheUSB port 45 can accept various modules along with the data key 16. The various modules can include aWiFi module 64, aBluetooth module 62 and a general packet radio signal (GPRS module 60. A user determines the method of transmitting or uploading data by the type of module plugged into theUSB port 45. Accordingly, plugging in theGPRS module 60 provides for the transmission of data through an applicable wireless link. Similarly, theBluetooth module 62 andWiFi modules 64 plugged into theUSB ports 45 provide different wireless links for receiving and uploading data. - Once data has been extracted from the
cradle 14 it may be viewable through thepersonal computer 18. Typically, viewing on apersonal computer 18 is accomplished by utilizing the data key 16. The information once downloaded from the data key 16 via thepersonal computer 18 could then be transmitted to thecentral server 22 where the data could be compiled for viewing and a determination of insurance premiums. Further, initial viewing of information on thepersonal computer 18 would afford a user an opportunity to review the data prior to submission to an insurance provider. The operator could then determine if the data is indicative of actual vehicle usage and if submission of the data would be beneficial to the user for reducing insurance premiums. - Another use of the gathered data by a user at the
personal computer 18 is to analyze vehicle operating parameters and performance such as fuel mileage, performance, braking operation and driving performance. As appreciated, the fuel mileage is easily determined by providing information indicative of current andactual fuel levels 14. This information can be utilized by an operator or fleet manager to determine and monitor operation of the vehicle. - In the example embodiment, data is extracted from the
cradle 14 and transmitted to thecentral server 22 by way of theUSB key 16 andpersonal computer 18. Once the data is extracted and transmitted to thecentral server 22, this data can be consolidated into reports and summaries for the user and insurance provider. - During normal operation the
localization module 36 provides vehicle position in longitude and latitude. The vehicle position is utilized to determine vehicle heading, speed and other information indicative of a vehicle position. Further, combination of the known longitude and latitude of the vehicle with geographic divisions such as postal codes, zip codes, governmental division such as cities or towns can be utilized to determine the amount of usage of a vehicle within a given area. As is appreciated insurance premiums are based in large part on the actual time, location and operation of the vehicle. - The use of the
localization module 36 provides a means for gathering meaningful data on the time, position and operating location of a vehicle. The operational position of a vehicle can be correlated with geographic limits to determine a time in each of the divisions. - For the embodiments of
FIG. 2 or 3, the vehicle operation characteristics are gathered and sent as shown inFIG. 4 . Generally, the risk-coding algorithm 70 receives the vehicle information, such as vehicle location (as determined by GPS or other sensors, such as by the cell towers triangulating the location of the mobile device 19), vehicle speed, current speed limit (as determined for the current vehicle location from a map database of speed limits), time of day, day of the week, hard accelerations (including hard braking), etc. The risk-coding algorithm 70 could be performed on the server 22 (after which, the underlying data is discarded), on thecradle 14 or in the user'scomputer 18 prior to transmission to theserver 22. - A
risk map database 72 includes risk ratings for a plurality of geographical areas (e.g. zip codes). Therisk map database 72 may include more than one risk rating for each geographical area, such that different risk ratings are applicable for different times of day or days of the week. The risk rating mapping is many to one, meaning that many different geographical areas will have the same risk rating. - In a simplest example, the risk code generated by the risk-coding algorithm could be based solely on time spent in each geographical area and the associated risk ratings for those geographical areas. The risk code could be simply an indication of how much time (or what times of day) the vehicle was in areas of certain risk ratings. For example, the risk code could indicate that the vehicle was in a zone of risk rating 4 between 4:00 and 5:00, in a zone of
risk rating 10 between 5:00 and 5:35, and in a zone of risk rating 1 between 5:35 and 6:00. This resultant risk code information could be used by the insurance company to determine insurance rates, while preserving some privacy for the user. Because the risk ratings are many-to-one, it is not possible to determine exactly where the user was during these times. - In another example, additional information, such as speed (or speed as compared to current speed limit), time of day, day of the week, hard acceleration information, etc. could all be input into the risk-
coding algorithm 70. The durations of each condition affecting insurance cost are also used in the risk-coding algorithm 70. The resultant risk code output is simply an associated insurance cost factor. The insurance cost charged to the user for the vehicle is then determined by theserver 22 as a function of the risk code and optionally any other permanent information stored on the server 22 (such as the user's age, the type of vehicle, the user's driving record. etc). By combining several different types of information in the risk-coding algorithm 70 prior to sending the risk code to the server 22 (or, if calculated on theserver 22, prior to storing on theserver 22 and discarding the underlying data), the specific information that may intrude on the user's privacy is obscured. - In accordance with the provisions of the patent statutes and jurisprudence, exemplary configurations described above are considered to represent a preferred embodiment of the invention. However, it should be noted that the invention can be practiced otherwise than as specifically illustrated and described without departing from its spirit or scope. Alphanumeric identifiers for steps in method claims are for ease of reference in dependent claims and do not signify a required sequence unless otherwise stated.
Claims (15)
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US12/598,254 US20100138244A1 (en) | 2007-05-02 | 2008-05-02 | Recording and reporting of driving characteristics with privacy protection |
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Also Published As
Publication number | Publication date |
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US20240119768A1 (en) | 2024-04-11 |
EP3872739A1 (en) | 2021-09-01 |
EP2143079A4 (en) | 2011-08-31 |
CA2685822C (en) | 2022-08-30 |
EP2143079A1 (en) | 2010-01-13 |
WO2008134888A1 (en) | 2008-11-13 |
CA2685822A1 (en) | 2008-11-13 |
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