SMART VEHICLE INSURANCE AND PAYMENT SYSTEM

Abstract

This invention relates to a system (1) that analyzes data obtained from cars that can transmit telemetry data such as speed, distance, braking behavior, acceleration, driving time, fuel level, frequency of vehicle use and vehicle status information in real time to external systems, and provides insurance and payment integration based on these analyses, depending on internet and in-vehicle communication systems, OBD (On-Board Diagnostics) based systems and vehicle manufacturer platforms.

Description

1 TARIFF SMART VEHICLE INSURANCE AND PAYMENT SYSTEM Technical Area This invention is derived from vehicles connected to the internet or in-vehicle communication systems. Risk profiles based on driver behavior by analyzing in-vehicle telematics data. which creates and dynamically updates insurance premiums according to these risk profiles. and also a system that optimizes automotive-related payment transactions It is related. 10 Previous Technique In the current state of the art, speed, braking, distance, and driving performance obtained from vehicles. Risk based on driver behavior through analysis of data in the form of duration 15 There are usage-based insurance (UBI) systems that perform scoring. In these systems, data collected from the vehicle is usually transmitted to a central platform. Driving safety is evaluated using specific algorithms, and insurance premiums are calculated accordingly. It is updated periodically. However, current solutions It is mostly limited to insurance risk calculation, and these risk assessments are 20 real-time contextual integration between automotive payment processing and It does not provide. Furthermore, incentive mechanisms based on driving behavior and Payment optimization is generally carried out through independent systems. This is being implemented, which leads to a fragmented structure in the user experience. Therefore, an integrated system that can optimize vehicle-related payments is needed. The system was needed. United States Regulation US10430883B1, which is included in the known state of the art. in the patent document, dynamic insurance policies based on vehicle usage Systems and environments for their creation are provided. 30 2 Brief Description of the Invention The aim of this invention is to analyze telematics data obtained from vehicles to enable drivers to... to perform risk scoring based on behavior and to implement dynamic strategies based on these scores. calculating insurance premiums and 5 related to the automotive ecosystem a system that can manage payment transactions in an integrated and optimized way to accomplish. Another aim of this invention is to improve insurance assessment processes and to analyze fuel, maintenance, and Automotive payment processes such as toll fees can be managed on a single digital infrastructure. by combining them, the user gets real-time, contextual and personalized payment and The goal is to provide a decision support system that offers incentives. Detailed Description of the Invention The "Smart Vehicle Insurance and Payment" project was carried out to achieve the purpose of this invention. The "System" is shown in the attached figure; Figure 1. Schematic view of the system described in the invention. The parts shown in the figure are individually numbered, and these numbers... The corresponding answers are given below. 1. System 2. Electronic device 25 3. Application 4. Vehicle computer 5. Database 6. Server D. External server 3 Analyzing data from connected vehicles to determine driving risks. and dynamic decision-making mechanisms for insurance and payment processes The system that makes it possible to create the subject of the invention (1); - capable of running at least one application and any communication at least one that can communicate with remote servers via the protocol electronic device (2), - users' vehicles, driving behavior, insurance processes, and Viewing data related to payment transactions, risk scores, 10 insurance policy information, incentive information, payment instructions and at least one that enables the analysis results to be presented to the user application (3), - located inside the connected vehicle, vehicle telemetry data and driving the collection of data regarding behavior, user data sharing 15 transmitting the relevant data to the server (6) in accordance with their preferences at least one in-vehicle computer configured to provide (4), - driving data of the user and vehicle obtained via application (3) records, risk scores, insurance policy information, payment 20 regarding their activities, incentive and reward information and analysis outputs at least one data structure configured to enable data recording base (5) and - using any remote communication protocol electronic device (2), Communication with application (3), vehicle computer (4) and database (5) installation, from connected device, application (3) and external servers (D) 25 speed, distance, braking, acceleration, fuel level, location information, traffic traffic density, road conditions, driver behavior data, insurance policy the collection of information and payment transaction data, the collected data Missing data completion, noise removal, cleaning, and normalization. processing of the processed data on the database (5) 30 concealment, driving behavior through time windows 4 extracting features, deriving a risk score based on these features, and specific calculating the probability of damage for a given time interval, risk values Comparison with threshold values, insurance in high-risk situations. premium updates, payment redirection and preventive action proposals the creation of, and the generation of task records based on these recommendations, 5 the results are communicated to the user via the application (3), the user Updating the analysis parameters based on their feedback. It includes at least one server (6) providing. The system in question consists of (1) electronic devices (2), smartphones, tablet computers, 10 It is a device in the form of a desktop computer or a portable computer. The device in question... electronic device (2), any remote device in the known state of the art to establish a connection with the server (6) using the communication protocol and the established connection data exchange between application (3) and server (6) via connection It is structured to enable its realization. The preferred 15 of the invention In its application, the Internet is used as a data bus with electronic device (2), server (6) It is configured to exchange data using this method. In the system subject to the invention, (1) application (3), electronic device (2) communication is being carried out between the electronic device (2) and the server (6) 20 It is configured to exchange data with the server (6) via. Application (3) provides insurance analysis, risk based on user connected vehicle data. to ensure that evaluation and payment optimization requests are received It is structured. The application (3) accesses vehicle usage data and identity information. 25 An interface for obtaining explicit consent from the user in order to grant access It is structured to provide the application (3) to the user on a usage basis. insurance assessment results, insurance policy information, policy history, premium calculation results, premium change scenarios, driving behaviors to enable the entry of vehicle data in the form of related discounts and surcharges It is structured. Application (3) is 30 insurance risk analysis processes. to provide an interface that allows approval to be given so that it can be started It is structured. The application (3) belongs to the user who is the subject of the analysis process. insurance risk profile, premium calculations, usage-based evaluation results, and showing simulation outputs to the user in a visual and interactive way The application (3) is structured to provide an interface that provides the user with Adding new parameters to the insurance coverage or removing 5 from the existing coverage to provide an interface that allows the entry of requests for removal It is structured. Application (3) calculates the risk-return metrics, possible premiums change scenarios, effects of changes in driving behavior, pie chart graphical representations and AI-based explanations to the user It is structured to provide an interface that allows its display. 10 In the system that is the subject of the invention (1) in-vehicle computer (4), the user inside the connected vehicle It is placed in a place where it can be easily seen and a connection is established between it and the server (6). to exchange data with the server (6) via communication is configured. The in-vehicle computer (4) monitors speed, braking, acceleration, distance, 15 driving time, fuel level, frequency of vehicle use and vehicle condition information, driving behavior data, traffic density data, road condition data, regional risk information, telemetry data such as vehicle usage frequency It is configured to provide data both historically and in real time. The in-vehicle computer (4) requires user permission to monitor vehicle telemetry data. It is structured to receive. The database (5) in the system (1) which is the subject of the invention is in communication with the server (6) and is configured to be managed by the server (6). The invention is preferred In the arrangement made, the database (5), user credentials, communication 25 information, user profile information, vehicle telematics data, speed, braking, acceleration, distance, driving time, fuel level, frequency of vehicle use, and vehicle status information, accident history records, driving behavior data, safety driving scores, risk profile data, risk coefficients, usage-based insurance evaluation results, insurance policy information, policy history, premium 30 calculation results, premium change scenarios, driving behavior 6 Information on discounts and additional premiums, traffic density data, road conditions data, regional risk information, transit system usage information, paid road toll records, fuel station information, campaign data, automotive data relating to service providers, payment history records, payment preferences information, payment transaction records, payment proposals, driver incentive 5 scores, reward and advantage information, simulation outputs, artificial intelligence The evaluation and recommendation results generated by [the organization] are based on user feedback. storage of notifications, analysis results, and timestamped records It is structured to provide this. The server (6) in the system (1) which is the subject of the invention, any remote communication to communicate with the electronic device (2) using the protocol and the established protocol to exchange data with electronic devices (2) via communication It is being configured. The server (6) in question enters new data into the database (5). registration, deletion of registered data in database (5) or data 15 Modifying the registered data in the database (5), within the database (5) Data processing involves operations such as updating and retrieving recorded data. It is structured to manage the base (5). The preferred method of the invention In its arrangement, the server (6) connects the user through the application (3) to the connected device. Insurance assessment, risk analysis and payment management based on usage 20 It is configured to receive requests for analysis. The server (6) receives Identity, driving behavior data obtained via the in-vehicle computer (4) upon request information, vehicle usage data and payment received through application (3) to ensure that the necessary permissions are obtained from the user for monitoring their data is being configured. Server (6), user ID, in-vehicle computer (4), 25 Historical data collected includes speed, distance, braking behavior, acceleration, and driving time. fuel level, frequency of vehicle use, vehicle condition information, and accident history. to obtain records, debt payment data, insurance information and payment record data It is structured as follows: Server (6), external server application (3) belongs to the user. insurance policy information, policy history data, premium history records, 30 to retrieve payment history records and payment preference information 7 It is configured. Server (6), external server (D) traffic density, route Status, regional risk information, toll road crossing records, Automatic Toll Collection System. Information on the use of the Automatic Toll Collection System (OGS) and the Fast Toll Collection System (HGS), and fuel station information. environmental data that may affect vehicle usage in the form of campaign data It is configured to receive the current speed, distance, 5 of the drivers. Server (6) braking behavior, acceleration, driving time, fuel level, vehicle usage frequency It is configured to analyze driving parameters such as these. Server (6), vehicle usage data obtained instantly with past vehicle usage data of the user. It is structured to gather and analyze usage data. Server (6) performs data validation, missing data completion, 10 on the obtained data. outlier removal, data normalization, and timestamp standardization. It is configured to perform its operations. The server (6) is configured to perform its operations. Analyzing changes in driving behavior over time using data. It is structured to drive the generated datasets. The server (6) trends, safe driving behaviors, risky usage habits 15 and is configured to determine the usage intensity. The server (6) obtains In order to create a risk profile for the user based on the results obtained It is configured. The server (6) processes driving behavior data, vehicle usage data. data, accident history records, traffic density data, road condition By evaluating the user's data and regional risk information together, a 20 It is configured to generate a risk score. The server (6) is the in-vehicle computer. (4), vehicle usage data received via application (3) and external server (D), driving behavior data, historical risk records, and environmental data together by evaluating and performing usage-based insurance calculations It is configured. The server (6) provides insurance 25 depending on the calculated risk profile. Determining, updating, and considering premium values ​​for different use cases. It is structured to calculate premium changes. Server (6) adds a new coverage to the user’s existing insurance coverage or the risks and costs that may arise if an existing collateral is removed It is configured to account for changes. Server (6) different driving 30 changes in insurance premiums, risk levels, and behaviors that may occur under these circumstances 8 It is configured to simulate possible cost scenarios. Server (6), By analyzing user payment data, insurance premium payments, fuel payments, maintenance payments and other payment transactions related to vehicle usage It is structured to generate suggestions regarding payment. The server (6), payment By evaluating the relationships between habits and driving data 5 To generate suitable payment options and cost optimization suggestions for the user. It is structured accordingly. The server (6) displays the calculated risk profiles, insurance bonuses, simulation results, payment proposals, and AI-based to prepare to present the evaluations to the user via the application (3) It is structured as follows: The server (6) displays all analysis results, calculated risk 10 values, insurance calculations, payment processing, and user feedback. It is configured to record its notifications on the database (5). The server (6) uses historical data stored on the database (5) to assess risk. Updating assessment models allows for more accurate analysis of driving behavior. to ensure this and to increase the accuracy of insurance calculations 15 is configured. The server (6) ensures safe driving depending on the results obtained. It is structured to offer rewards that encourage these habits. Industrial Application of the Invention The system in question (1) is designed to receive, process and analyze telematics data from vehicles. It is structured to do so. The present invention utilizes the speed obtained from connected vehicles, distance, braking, acceleration, driving time, fuel consumption and similar driving characteristics. By obtaining its parameters from different data sources, it creates an integrated dataset. It operates and classifies within its structure. Based on the data obtained, 25 driver risk profile, driving behavior pattern and usage-based insurance an assessment is being created; in addition, insurance premium calculations are being made in real time. It is dynamically updated. This invention enables the user to obtain insurance. changes that may occur on the policy, an increase in the risk level, or by calculating reductions and premium scenarios based on driving behavior in advance 30 It presents the user with visual and explanatory outputs. In this context, the invention, 9 It can be adapted to different vehicle types, insurance models, and payment systems. It is expandable in this way. Based on these fundamental concepts, the invention is titled "Smart Vehicle Insurance and Payment". It is possible to develop a wide variety of arrangements related to the "System (1)", and the invention 5 This cannot be limited to the examples described here, but is primarily stated in the claims. It is like that.

Claims

REQUESTS 1. Analyzing data from connected vehicles to determine driving risk. determining and dynamic decision-making processes for insurance and payment processes enabling the creation of mechanisms; 5 - capable of running at least one application and any communication at least one that can communicate with remote servers via the protocol electronic device (2), - users' connected vehicles, driving behavior, insurance processes 10 and viewing data relating to payment transactions, risk scores, insurance policy information, incentive information, payment instructions and at least one that retrieves the analysis results and presents them to the user. application (3), - Driving data for the user and vehicle obtained via application (3) 15 records, risk scores, insurance policy information, payment their activities, incentive and reward information, and analysis outputs. at least one data structure configured to enable data recording base (5) and - located inside the connected vehicle, vehicle telemetry data and 20 the collection of data on driving behavior, user data In accordance with sharing preferences, the relevant data will be sent to the server (6) at least one in-vehicle computer configured to enable transmission (4), - using any remote communication protocol electronic device (2), 25 Communication with the application (3) and database (5), connected from vehicles, sensors, mobile devices and external data sources of speed, distance, braking, acceleration, fuel level, Location information, traffic density, road conditions, driver behavior data, Collection of insurance policy information and payment transaction data, 30 Data collection involves data completion, noise reduction, and cleaning of the collected data. 11 and undergoing normalization processes, processing the data into new data. keeping on the base (5), driving through time windows extracting characteristics related to its behavior, and based on these characteristics risk score and probability of damage for a specific time interval calculation, comparison of risk values ​​with threshold values, 5 Updating and paying insurance premiums in high-risk situations. the creation of guidance and preventive action recommendations, (3) communicated to the user via, based on user feedback 10 configured to ensure the updating of analysis parameters a system characterized by at least one server (6) (1).

2. Smartphone, tablet computer, desktop computer or portable Claim characterized by a computer-like electronic device (2) A system like the one in 1 (1). 15 3. Connect to the server (6) using any remote communication protocol. to establish and connect the application (3) and the server (6) through this established connection electronic devices that enable data exchange between them A system like the one in Claim 1 or 2, characterized by (2) (1). 20 4. It is carried out on electronic device (2) and with electronic device (2). data between server (6) and server (6) through communication established between server (6) application (3) configured to carry out the shopping a 25 as in any of the above characterized claims system (1).

5. Insurance analysis and risk assessment based on the user's connected vehicle data. It enables the collection of evaluation and payment optimization requests. 30 characterized by the application (3) structured to provide an interface a system like any of the above-mentioned requests (1). 12 6. To gain access to the user's credentials, the user must provide explicit information. an application configured to provide an interface for obtaining consent as in any of the above claims characterized by (3). a system (1).

7. To enable access to vehicle usage data and identity information. obtaining explicit consent from the user and insurance risk analysis processes to provide an interface that allows approval to be given so that it can be started the above characterized by the structured application (3) a system like any of the requests (1). 10 8. The insurance risk profile and premium of the user subject to the analysis process. calculations, usage-based evaluation results, and simulations. showing the outputs to the user in a visual and interactive way The application is configured to provide an interface that provides (3) and 15 as in any of the above characterized claims system (1).

9. Adding new parameters to the user's insurance coverage or modifying existing ones. A 20 that allows the entry of requests for exclusion from the scope. characterized by the application (3) which is configured to provide an interface a system like any of the above requests (1).

10. Calculated risk-return metrics, possible premium change scenarios, The effects of changes in driving behavior are shown in a pie chart (25). graphical representations and AI-based explanations to the user an application configured to provide an interface that enables its presentation as in any of the above claims characterized by (3). a system (1). 13 11. Established between the connected vehicle and the server (6). to exchange data with the server (6) via communication the above characterized by the configured in-vehicle computer (4) a system like any of the requests (1).

12. Speed, braking, acceleration, distance, driving time, fuel level, vehicle usage frequency and vehicle condition information, accident history records, driving behavior data, traffic density data, road conditions data such as regional risk information and vehicle usage frequency 10 Receiving telemetry data, both historical and real-time. characterized by the in-vehicle computer (4) configured to provide a system like any of the above-mentioned requests (1).

13. To obtain user permission to monitor vehicle telemetry data. The above 15 is characterized by the configured in-vehicle computer (5). a system like any of the requests (1).

14. To be in communication with server (6) and managed by server (6). The above is characterized by the database structured as (5) a system like any of the requests (1). 20 15. User credentials, contact information, user profile information, vehicle telematics data, speed, braking, acceleration, distance, driving time, fuel level, frequency of vehicle use, and vehicle condition. information, accident history records, driving behavior data, safe 25 driving scores, risk profile data, risk coefficients, usage-based insurance assessment results, insurance policy information, policy its history, premium calculation results, premium change scenarios, Information on discounts and additional premiums based on driving behavior, traffic traffic density data, road condition data, regional risk information, 30 toll system usage information, toll road crossing records, fuel 14 station information, campaign data, automotive services data relating to providers, payment history records, payment preferences information, payment transaction records, payment proposals, driver incentives scores, reward and advantage information, simulation outputs, artificial The evaluation and recommendation results generated by intelligence, user 5 feedback, analysis results, timestamped records with the database (5) configured to enable storage as in any of the above characterized claims system (1).

16. Using any remote communication protocol, electronic device (2) and to communicate with the application (3) and through this communication to exchange data with electronic device (2) and application (3) The above is characterized by the server (6) configured to do so. a system like any of the requests (1). 15 17. Application (3) based on the user's use of connected vehicles insurance assessment, risk analysis and payment management analysis characterized by the server (6) configured to receive requests a system like any of the above requests (1). 20 18. In-vehicle computer in accordance with the request received. (4), identity and driving behavior information obtained from the vehicle use Monitoring of data and payment data received via application (3) 25 to ensure that the necessary permissions are obtained from the user from the above requests characterized by the configured server (6) a system like any other (1).

19. Upon user request, the user's identity is accessed via the external server (D). Historical data collected: speed, distance, braking behavior, acceleration, driving time, 30 fuel level, frequency of vehicle use, vehicle condition information, and accident history. records, debt payment data, insurance information, and payment record data The above is characterized by the server (6) configured to receive the above. a system like any of the requests (1).

20. Insurance policy information for the connected vehicle (D) via the external server, policy 5 history data, premium history records, payment history records, and server (6) configured to receive payment preference information as in any of the above characterized claims system (1).

21. Traffic density, road conditions, regional risk via external server (D). information, toll road crossing records, OGS / HGS usage information, fuel vehicle usage in the form of station information and campaign data. server (6) configured to receive environmental data that may affect a 15 as in any of the above characterized claims system (1).

22. Drivers' current speed, distance, braking behavior, acceleration, driving driving time, fuel level, frequency of vehicle use 20 with server (6) configured to analyze its parameters as in any of the above characterized claims system (1).

23. Historical vehicle usage data of the user and real-time data obtained from it. to gather vehicle usage data and past vehicle usage 25 Analyzing real-time vehicle usage data using available data. The above is characterized by the server (6) configured to do so. a system like any of the requests (1).

24. Data verification, completion of missing data, and identification of anomalies on the obtained data. value cleaning, data normalization, and timestamp 16 server configured to perform standardization processes as in any of the above claims characterized by (5). a system (1).

25. The changes in driving behavior over time based on the analyzed data. to analyze the change and drive through the generated datasets trends, safe driving behaviors, risky usage structured to determine habits and usage intensity any of the above requests characterized by the server (6) a system like one of them (1). 10 26. Based on the results obtained, a risk profile for the user was created. characterized by the server (6) configured to create a system like any of the above requests (1).

27. Driving behavior data, vehicle usage data, accident history records, traffic density data, road condition data and regional By evaluating the risk information together, a risk score is created for the user. characterized by the server (6) configured to create a system like any of the above requests (1). 20 28. Vehicle usage data, driving behavior information, historical risk records. and usage-based insurance by evaluating environmental data together. The calculations are characterized by the configured server (6) a system like any of the above requests (1). 25 29. Determining insurance premium values ​​based on the calculated risk profile. to update and potential premium changes for different use cases characterized by the server (6) configured to calculate a system like any of the above requests (1). 30 17 30. Adding a new coverage to the user's existing insurance coverage or the risks and costs that may arise from removing an existing collateral Characterized by the server (6) configured to calculate its changes a system like any of the above-mentioned requests (1).

31. Changes in insurance premiums that may occur under different driving behaviors, simulating risk levels and possible cost scenarios from the above requests characterized by the configured server (6) a system like any other (1).

32. By analyzing user payment data, insurance premium payments, fuel payments, maintenance payments, and other payments related to vehicle usage. To generate suggestions regarding operations with the configured server (6) as in any of the above characterized claims system (1). 15 33. The relationships between payment habits and vehicle usage data. by evaluating the user's suitable payment options and costs. Optimization suggestions are generated by the configured server (5) a system like any of the above requests (1). 20 34. Calculated risk profiles, insurance premiums, simulation results, implementing payment suggestions and AI-based evaluations (3) server (6) configured to deliver to the user via a 25 as in any of the above characterized claims system (1).

35. Insurance premium values, payment data, risk via Application (3) profile results, payment suggestions, and driving behavior based on Managing the generated rewards and personalized notifications 30 18 characterized by the server (6) configured to provide a system like any of the above requests (1).

36. All analysis results, calculated risk values, insurance its calculations, payment processing and user feedback data 5 server (6) configured to save on base (4) as in any of the above characterized claims system (1).

37. Risk 10 using historical data stored on the database (4) Updating assessment models makes driving behavior more accurate. to ensure analysis and accuracy of insurance calculations characterized by the server (6) configured to increase a system like any of the above requests (1).

38. Promoting safe driving habits based on the results obtained. The server (6) is characterized by being structured to offer rewards. a system like any of the above-mentioned requests (1). 25