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1. 发明申请

US20140310027A1 SYSTEM AND METHOD FOR COMPUTING TRIP SCORE USING GEO-SPATIAL INFORMATION 审中-公开
标题翻译：使用地理空间信息计算TRIP评分的系统和方法
公开(公告)号：US20140310027A1
公开(公告)日：2014-10-16
申请号：US14313606
申请日：2014-06-24
申请人： Hartford Fire Insurance Company
发明人： Gary P. Gryan , Mark S. Coleman , Darrel S. Barbato
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： Systems and methods are disclosed herein for pricing an insurance premium based on a vehicle trip similarity score. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a similarities score based on the telematics data. The processor is also configured to determine a price, price adjustment, or any other benefit for automobile insurance based on the similarities score.
摘要翻译：本文公开的系统和方法用于基于车辆行驶相似性得分定价保险费。该系统包括与计算机存储器通信的计算机存储器和处理器。计算机存储器存储从车辆内的传感器接收的远程信息处理数据。远程信息处理数据包括车辆的地理位置信息和车辆运动学数据中的至少一个。处理器被配置为基于远程信息处理数据计算相似度得分。处理器还被配置为基于相似性得分来确定汽车保险的价格，价格调整或任何其他利益。

2. 发明授权

US09418382B2 System and method for computing trip score using geo-spatial information 有权
标题翻译：使用地理空间信息计算旅行得分的系统和方法
公开(公告)号：US09418382B2
公开(公告)日：2016-08-16
申请号：US14313606
申请日：2014-06-24
申请人： HARTFORD FIRE INSURANCE COMPANY
发明人： Gary P. Gryan , Mark S. Coleman , Darrel S. Barbato
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： Systems and methods are disclosed herein for pricing an insurance premium based on a vehicle trip similarity score. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a similarities score based on the telematics data. The processor is also configured to determine a price, price adjustment, or any other benefit for automobile insurance based on the similarities score.
摘要翻译：本文公开的系统和方法用于基于车辆行驶相似性得分定价保险费。该系统包括与计算机存储器通信的计算机存储器和处理器。计算机存储器存储从车辆内的传感器接收的远程信息处理数据。远程信息处理数据包括车辆的地理位置信息和车辆运动学数据中的至少一个。处理器被配置为基于远程信息处理数据计算相似度得分。处理器还被配置为基于相似性得分来确定汽车保险的价格，价格调整或任何其他利益。

3. 发明授权

US08799035B2 System and method for determining an insurance premium based on complexity of a vehicle trip 有权
标题翻译：基于车辆行驶的复杂性来确定保险费的系统和方法
公开(公告)号：US08799035B2
公开(公告)日：2014-08-05
申请号：US14029360
申请日：2013-09-17
申请人： Hartford Fire Insurance Company
发明人： Mark S. Coleman , Darrel S. Barbato , Lihu Huang
IPC分类号： G06Q40/00 , G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/10
摘要： Systems and methods are disclosed herein for pricing an insurance premium based on route complexity. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a complexity score of the trip based on the telematics data. The processor is also configured to determine a price for automobile insurance for the driver based on the complexity score of the at least one trip.
摘要翻译：本文公开的系统和方法用于基于路由复杂度定价保险费。该系统包括与计算机存储器通信的计算机存储器和处理器。计算机存储器存储从车辆内的传感器接收的远程信息处理数据。远程信息处理数据包括车辆的地理位置信息和车辆运动学数据中的至少一个。处理器被配置为基于远程信息处理数据来计算行程的复杂度分数。处理器还被配置为基于至少一次旅行的复杂性评分来确定驾驶员的汽车保险的价格。

4. 发明申请

US20140019170A1 SYSTEM AND METHOD FOR DETERMINING AN INSURANCE PREMIUM BASED ON COMPLEXITY OF A VEHICLE TRIP 有权
标题翻译：基于车辆行驶复杂度确定保险费的系统和方法
公开(公告)号：US20140019170A1
公开(公告)日：2014-01-16
申请号：US14029360
申请日：2013-09-17
申请人： Hartford Fire Insurance Company
发明人： Mark S. Coleman , Darrel S. Barbato , Lihu Huang
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/10
摘要： Systems and methods are disclosed herein for pricing an insurance premium based on route complexity. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a complexity score of the trip based on the telematics data. The processor is also configured to determine a price for automobile insurance for the driver based on the complexity score of the at least one trip.
摘要翻译：本文公开的系统和方法用于基于路由复杂度定价保险费。该系统包括与计算机存储器通信的计算机存储器和处理器。计算机存储器存储从车辆内的传感器接收的远程信息处理数据。远程信息处理数据包括车辆的地理位置信息和车辆运动学数据中的至少一个。处理器被配置为基于远程信息处理数据来计算行程的复杂度分数。处理器还被配置为基于至少一次旅行的复杂性评分来确定驾驶员的汽车保险的价格。

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