Systems and methods for analyzing telematics data to determine a driver on a shared trip

Abstract

A technical design solution for classifying users as potential drivers traveling in a vehicle based upon a combination of gathered data during a shared trip and historical data. Data gathered would include, at the least, overlapping time and distance of users to be classified as potential drivers. Shared trip scenarios, where a driver is identified, include (1) two or more users share a complete trip from beginning to end; (2) two or more users share the beginning of a trip, at least one user is dropped off, thereby ending their trip, and the other user continues driving; (3) two or more users share the end of a trip, where at least one user is picked up during the shared trip; and (4) one user picks up at least one other user during a trip, thereby creating a shared trip, and drops off the at least one other user to a different location, then heads to a final location. Driver identification is performed based upon the real-time gathering of data, which is then analyzed based upon and in view of historical data.

Description

FIELD OF THE INVENTION[0001]The present disclosure relates to analyzing driving telematics data to determine driving characteristics of a driver, and, more particularly, to systems and methods for determining an actual driver of a vehicle as compared to other passengers in the vehicle based at least in part upon positioning data, time data, and other telematics data.BACKGROUND[0002]Vehicle insurance often essentially provides financial protection against physical damage or bodily injury caused by a vehicular accident. Other financial protections may also be provided, such as vehicle theft or damage caused by natural disasters. Conventionally, car insurance rates, or premiums, are typically determined based upon a driver's age and driving history, car make, model, and year, among a myriad of other factors.[0003]Some vehicle insurance companies provide premium discounts to drivers that exhibit safe driving characteristics. Discounts are typically calculated based upon annual mileage a...

AI Technical Summary

Benefits of technology

The present patent relates to a system and method for assigning a shared trip to a single driver of a vehicle for a particular trip. The system uses statistical data, GPS location measurements, and historical trip data to identify the driver of a vehicle. The system can also apply a usage-based insurance policy to the identified driver. The technical effect of the patent is to provide a more efficient and accurate way of assigning a driver for a shared trip, which can save time and reduce costs.

Problems solved by technology

However, problems may arise when an insurance customer is misclassified as the driver of the vehicle when the insurance customer is actually riding as a passenger in a vehicle.

Current GPS-equipped devices are generally not capable of determining the exact location of the device, but rather provide an estimate of the device's current location subject to some degree of error.

For example, atmospheric effects (e.g., ionospheric delay) and / or artificial interference a presence of metal and / or electromagnetic devices) may introduce error to a GPS-based determination of location.

However, currently available GPS technology lacks the precision to make an identification of an actual driver of a vehicle based upon measured geographic coordinates alone.

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