US 11,810,199 B1
Transportation analytics systems and methods using a mobility device embedded within a vehicle
Craig Cope, 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 Sep. 29, 2020, as Appl. No. 17/037,161.
Claims priority of provisional application 62/966,789, filed on Jan. 28, 2020.
Int. Cl. G06Q 40/08 (2012.01); G06Q 50/30 (2012.01); G06Q 30/0283 (2023.01); G06Q 20/12 (2012.01); G07C 5/00 (2006.01); G06F 16/2458 (2019.01); H04Q 9/00 (2006.01); H04L 67/12 (2022.01); B60R 25/20 (2013.01); H04L 67/306 (2022.01)
CPC G06Q 40/08 (2013.01) [B60R 25/20 (2013.01); G06F 16/2477 (2019.01); G06Q 20/127 (2013.01); G06Q 30/0284 (2013.01); G06Q 50/30 (2013.01); G07C 5/008 (2013.01); H04L 67/12 (2013.01); H04L 67/306 (2013.01); H04Q 9/00 (2013.01); B60R 2325/10 (2013.01); B60R 2325/205 (2013.01); B60R 2325/30 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A transportation analytics (TA) computing device comprising at least one processor in communication with at least one memory device and a user mobile device corresponding to a user, the user mobile device configured to communicatively link to a plurality of transportation devices of different types, the at least one processor configured to:
in response to the user mobile device being communicatively linked to a first transportation device of the plurality of transportation devices, the first transportation device in communication with a transportation platform, receive telematics data from the user mobile device that is collected by the user mobile device, the telematics data identifying the type of the first transportation device;
identify a trip associated with a period of time that the user mobile device is communicatively linked to the first transportation device, the trip defined as the period of time from when the first transportation device is communicatively linked to the user mobile device to when the first transportation device ceases to be communicatively linked to the user mobile device;
store the telematics data in a database in association with a trip identifier corresponding to the trip, an identifier representing the type of the first transportation device that is associated with the trip, and a first time stamp determined based on the period of time in which the first transportation device is communicatively linked to the user mobile device;
perform a lookup in the database to identify, based upon time stamps including the first time stamp, telematics data corresponding to a time period;
calculate, based upon the identified telematics data, a premium amount for insuring the user during the trips taken using the plurality of different types of transportation devices during the time period;
periodically calculate a subscription amount based upon at least one of the premium amount or the identified telematics data, the subscription amount including at least the premium amount and indicating an amount to be transferred from the user to the transportation platform; and
transfer the premium amount from a transportation platform account associated with the transportation platform to an insurer account associated with an insurer that provided insurance coverage for insuring the user during the time period.