Motor vehicle monitoring system for determining a cost of insurance

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 6064970
SERIAL NO

09135034

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method and system of determining a cost of automobile insurance based upon monitoring, recording and communicating data representative of operator and vehicle driving characteristics. The cost is adjustable retrospectively and can be prospectively set by relating the driving characteristics to predetermined safety standards. The method comprises steps of monitoring a plurality of raw data elements representative of an operating state of the vehicle or an action of the operator. Selected ones of the raw data elements are recorded when the ones are determined to have an identified relationship to safety standards. The selected ones are consolidated for processing against an insurer profile and for identifying a surcharge or discount to be applied to a base cost of automobile insurance. A final cost is produced from the base costs and the surcharges or discounts.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
PROGRESSIVE DIRECTRAC SERVICE CORP.MAYFIELD VILLAGE, OH3

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Craig, Alexander Dean Moreland Hills, OH 2 675
Heinen, John Patrick Tampa, FL 2 675
McMillan, Robert John Tampa, FL 7 1129

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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APPLUS TECHNOLOGIES, INC. (4)
* 7925399 Method and apparatus for testing vehicle emissions and engine controls using a self-service on-board diagnostics kiosk 19 2006
* 2007/0083,306 METHOD AND APPARATUS FOR TESTING VEHICLE EMISSIONS AND ENGINE CONTROLS USING A SELF-SERVICE ON-BOARD DIAGNOSTICS KIOSK 5 2006
9483881 System and method for testing vehicle emissions and engine controls using a self-service on-board diagnostics kiosk 0 2009
* 2010/0204,876 SYSTEM AND METHOD FOR TESTING VEHICLE EMISSIONS AND ENGINE CONTROLS USING A SELF-SERVICE ON-BOARD DIAGNOSTICS KIOSK 4 2009
 
EDRIVING FLEET LLC (1)
* 6714894 System and method for collecting, processing, and distributing information to promote safe driving 79 2001
 
SAGASYSTEM NORGE AS (2)
7398157 Method and system for determining a track record of a moving object 15 2003
* 2005/0256,640 Method and system for determining a track record of a moving object 1 2003
 
CONVERGENT MEDIA SOLUTIONS LLC (3)
7406436 Method and apparatus for collecting, aggregating and providing post-sale market data for an item 77 2002
8036929 Method and apparatus for collecting, aggregating and providing post-sale market data for an item 15 2007
8554600 Method and apparatus for collecting data for an item 1 2011
 
HITACHI, LTD. (4)
* 6711495 Method and apparatus for gathering vehicle information 16 2000
6662090 Protective maintenance service system for vehicles 16 2002
* 2002/0178,033 Automobile insurance contents setting system, automobile insurance premium setting system, and automobile insurance premium collection system 58 2002
* 2006/0136,291 Vehicle managing method 32 2006
 
DRIVE DIAGNOSTICS LTD. (1)
* 2007/0005,404 System and method for providing driving insurance 59 2006
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
* 9652973 Apparatus, systems, and methods for processing alerts relating to an in-vehicle control unit 0 2014
 
FUND FOR PEACE CORPORATION, THE (2)
* 7092927 Conflict assessment system tool 4 2001
* 2003/0004,954 Conflict assessment system tool 9 2001
 
SPEEDGAUGE, INC. (2)
7356392 System and method for evaluating vehicle and operator performance 58 2004
* 2004/0254,698 System and method for evaluating vehicle and operator performance 61 2004
 
GORDON * HOWARD ASSOCIATES, INC. (1)
8667295 Encoding a validity period in a password 0 2009
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (9)
* 2003/0097,335 Secure method and system for determining charges and assuring privacy 76 2001
8140213 Detection of vehicle operation under adverse conditions 3 2008
8849803 Data collection for usage based insurance 0 2011
8255113 Detection of vehicle operation under adverse conditions 2 2012
9483948 Automated control of interactions between self-driving vehicles and pedestrians 1 2015
9481366 Automated control of interactions between self-driving vehicles and animals 1 2015
9513632 Driving mode alerts from self-driving vehicles 1 2015
9566986 Controlling driving modes of self-driving vehicles 0 2015
9481367 Automated control of interactions between self-driving vehicles and animals 1 2015
 
SAP SE (2)
* 2004/0117,377 Master data access 35 2003
9256655 Dynamic access of data 0 2013
 
ENOVSYS LLC (2)
8060109 Authorized location reporting mobile communication system 4 2007
8559942 Updating a mobile device's location 0 2011
 
INSURANCENOODLE, LLC (4)
7203734 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 2 2001
* 2003/0125,990 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 6 2001
7904532 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 3 2006
* 2006/0206,362 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 13 2006
 
MUDDY RIVER, SERIES 97 OF ALLIED SECURITY TRUST I (28)
7610145 System and method for determining recommended departure time 72 2004
* 2005/0021,225 System and method for determining recommended departure time 47 2004
7702452 System and method for determining a prediction of average speed for a segment of roadway 31 2008
8619072 Controlling a three-dimensional virtual broadcast presentation 18 2009
8103443 System and method for delivering departure notifications 36 2010
8982116 Touch screen based interaction with traffic data 15 2010
9046924 Gesture based interaction with traffic data 11 2010
8718910 Crowd sourced traffic reporting 39 2011
8660780 System and method for delivering departure notifications 18 2011
8725396 System for providing traffic data and driving efficiency data 20 2012
8564455 Generating visual information associated with traffic 21 2012
8531312 Method for choosing a traffic route 22 2012
8786464 GPS generated traffic information 19 2013
8781718 Estimating time travel distributions on signalized arterials 16 2013
8958988 Method for choosing a traffic route 21 2013
9082303 Generating visual information associated with traffic 14 2013
9070291 Method for predicting a travel time for a traffic route 12 2013
9448690 Controlling a three-dimensional virtual broadcast presentation 4 2013
9127959 System and method for delivering departure notifications 10 2014
9390620 System for providing traffic data and driving efficiency data 6 2014
9293039 Estimating time travel distributions on signalized arterials 8 2014
9368029 GPS generated traffic information 6 2014
9489842 Method for choosing a traffic route 1 2015
9401088 Method for predicting a travel time for a traffic route 5 2015
9640073 Generating visual information associated with traffic 0 2015
9644982 System and method for delivering departure notifications 0 2015
9602977 GPS generated traffic information 0 2016
9547984 System for providing traffic data and driving efficiency data 0 2016
 
WEBCETERA, L.P. (1)
8275640 Insurance quoting application for handheld device 2 2010
 
Sprint Spectrum L.P. (1)
8195188 Location reporting satellite paging system with optional blocking of location reporting 9 2003
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (5)
8170892 System and method for establishing rates for an automobile insurance policy 1 2003
* 8566126 Systems and methods for processing vehicle or driver performance data 13 2007
* 8180655 Systems and methods for processing vehicle or driver performance data 19 2007
* 8428973 Systems and methods for automatically disabling mobile device usage while driving 7 2009
* 9053469 System and method for providing usage based vehicle insurance 1 2009
 
AVIS BUDGET CAR RENTAL LLC (1)
9635518 Telematics system, methods and apparatus for two-way data communication between vehicles in a fleet and a fleet management system 0 2014
 
MOTOROLA, INC. (2)
* 7129826 Localized accident notification 13 2004
* 2005/0275,522 Localized accident notification 2 2004
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (6)
8090598 Monitoring system for determining and communicating a cost of insurance 112 2004
* 2004/0153,362 Monitoring system for determining and communicating a cost of insurance 176 2004
8140358 Vehicle monitoring system 215 2008
8595034 Monitoring system for determining and communicating a cost of insurance 15 2011
8311858 Vehicle monitoring system 92 2012
8892451 Vehicle monitoring system 12 2012
 
MITSUBISHI ELECTRIC CORPORATION (2)
8004404 Information storage device, information storage program, verification device and information storage method 0 2006
* 2009/0033,510 Information Storage Device, Information Storage Program, Verification Device and Information Storage Method 3 2006
 
PATENTBANK L.L.C. (1)
* 8090597 System and method for providing reduced insurance premiums 3 2000
 
1A SMART START LLC (2)
6853956 Sobriety testing apparatus having OBD-II connection capability 45 2003
* 2004/0158,430 Sobriety testing apparatus having OBD-II connection capability 1 2003
 
GENWORTH HOLDINGS, INC. (17)
7844476 Process for case-based insurance underwriting suitable for use by an automated system 6 2002
7630910 System for case-based insurance underwriting suitable for use by an automated system 15 2002
* 2003/0187,696 System for case-based insurance underwriting suitable for use by an automated system 51 2002
8793146 System for rule-based insurance underwriting suitable for use by an automated system 1 2002
8005693 Process for determining a confidence factor for insurance underwriting suitable for use by an automated system 5 2002
7899688 Process for optimization of insurance underwriting suitable for use by an automated system 8 2002
7844477 Process for rule-based insurance underwriting suitable for use by an automated system 6 2002
7818186 System for determining a confidence factor for insurance underwriting suitable for use by an automated system 10 2002
* 2003/0187,700 Process for rule-based insurance underwriting suitable for use by an automated system 59 2002
7813945 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 5 2003
7801748 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 14 2003
7567914 System and process for dominance classification for insurance underwriting suitable for use by an automated system 22 2003
7383239 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 9 2003
* 2004/0220,837 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 9 2003
* 2004/0220,839 System and process for dominance classification for insurance underwriting suitable for use by an automated system 32 2003
7698159 Systems and methods for performing data collection 5 2004
8214314 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 2 2008
 
NITTO DENKO CORPORATION (1)
9000903 Systems and methods for vehicle monitoring 3 2012
 
Automatic Labs, Inc. (1)
* 2012/0197,669 Determining Cost of Auto Insurance 27 2012
 
PINPOINT INCORPORATED (5)
7853600 System and method for providing access to video programs and other data using customer profiles 34 2005
8171032 Providing customized electronic information 32 2008
* 2008/0294,584 Customized electronic newspapers and advertisements 60 2008
* 2009/0234,878 SYSTEM FOR CUSTOMIZED ELECTRONIC IDENTIFICATION OF DESIRABLE OBJECTS 96 2009
* 2009/0254,971 SECURE DATA INTERCHANGE 522 2009
 
THE TRAVELERS INDEMNITY COMPANY (1)
* 2014/0180,723 SYSTEMS AND METHODS FOR SURFACE SEGMENT DATA 0 2012
 
ALCOHOL COUNTERMEASURE SYSTEMS (INTERNATIONAL) INC. (1)
* 9552681 Apparatus for assessing or mitigating insurance risk 0 2014
 
United Services Automobile Association (1)
8489434 System and method for establishing rates for an automobile insurance policy 7 2012
 
PAYPAL, INC. (5)
* 7469215 Method for processing insurance coverage requests 8 2006
* 2007/0055,553 Method and system for processing insurance coverage requests 8 2006
7774218 Method for processing insurance coverage requests 1 2008
8140360 System for processing insurance coverage requests 1 2010
* 2010/0299,162 SYSTEM FOR PROCESSING INSURANCE COVERAGE REQUESTS 5 2010
 
F3M3 Companies, Inc. (2)
8140359 System and method for determining an objective driver score 19 2008
* 2010/0063,850 System and method for determining an objective driver score 44 2008
 
KABUSHIKIKAISHA EQUOS RESEARCH OF (1)
* 2003/0182,165 Travel insurance reception apparatus and method 2 2003
 
GENERAL ELECTRIC COMPANY (2)
7877198 System and method for identifying fuel savings opportunity in vehicles 22 2006
* 2007/0174,004 System and method for identifying fuel savings opportunity in vehicles 44 2006
 
OBDEDGE, LLC (3)
8527013 Systems, methods, and devices for policy-based control and monitoring of use of mobile devices by vehicle operators 13 2010
* 2011/0009,107 Systems, Methods, And Devices For Policy-Based Control and Monitoring of Use of Mobile Devices By Vehicle Operators 122 2010
9185526 Systems, methods, and devices for policy-based control and monitoring of use of mobile devices by vehicle operators 1 2013
 
LIBERTY MUTUAL INSURANCE COMPANY (1)
8589190 System and method for underwriting a prepackaged business owners insurance policy 1 2007
 
CAR POINT KOREA CO., LTD. (1)
* 2001/0044,733 Method and system for processing automobile insurance of a prepaid type according to driving distance and time of vehicle 77 2000
 
Airmax Group PLC (2)
* 2011/0106,370 METHOD AND SYSTEM FOR DRIVER STYLE MONITORING AND ANALYSING 66 2007
* 2010/0017,236 Method and System for Configuring a Vehicle 6 2009
 
ROOT FOUR IMAGINATION, INC. (4)
7853375 Vehicle monitor 11 2007
* 2008/0255,718 VEHICLE MONITOR 5 2007
8180522 Vehicle monitor 16 2008
* 2009/0259,361 VEHICLE MONITOR 3 2008
 
CATERPILLAR INC. (6)
* 2007/0101,017 System and method for routing information 2 2005
* 2007/0100,760 System and method for selling work machine projects 2 2005
* 2007/0150,073 Asset management system 4 2005
* 2007/0150,295 Asset management system 4 2005
7711522 Systems and methods for monitoring a machine 2 2006
* 2008/0059,081 Systems and methods for monitoring a machine 1 2006
 
INSURANCE SERVICES OFFICE, INC. (9)
* 7821421 Traffic information system 77 2004
* 2007/0027,583 Traffic information system 120 2004
8489433 System and method for estimating loss propensity of an insured vehicle and providing driving information 11 2010
* 8085166 Traffic information system 19 2010
* 2010/0332,266 TRAFFIC INFORMATION SYSTEM 46 2010
* 8653986 Traffic information system 9 2011
* 2012/0089,423 TRAFFIC INFORMATION SYSTEM 48 2011
* 9619203 Method of analyzing driving behavior and warning the driver 0 2014
* 2014/0163,848 Traffic Information System 13 2014
 
RM ACQUISITION, LLC (1)
* 2010/0036,599 SAFEST TRANSPORTATION ROUTING 25 2009
* Cited By Examiner