Dynamic Driver Comparison Groups for Safety Assessment

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Solution Overview

Problem

Conventional systems for assessing driving safety lack the ability to account for various influencing factors such as demographic, behavioral, chronological, location-based, and weather-related variables, leading to inaccurate comparisons and ratings of vehicle operators.

Innovation Solution

The use of dynamic comparison groups that are customizable based on multiple variables, allowing for the collection of telematics data and the calculation of ranking metrics to rank drivers within specific groups, thereby incentivizing safer driving practices.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If conventional systems compare and rate vehicle operators on a larger scale without customization, then the system complexity is reduced, but the measurement precision of driving safety assessment deteriorates

Engineering Contradiction:
Improvedriving safety assessment accuracyVSAvoidcomparison group customization complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent segments the driver population into multiple customized comparison groups based on demographic, behavioral, chronological, location-based, and weather-related variables. This segmentation allows for more precise driving safety assessments by comparing drivers only with others who share similar characteristics, thereby resolving the contradiction between measurement precision and system complexity.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements dynamic comparison groups that can be customized and adjusted based on specific assessment needs. The system allows flexible creation of comparison groups with varying parameters, enabling the assessment methodology to adapt to different scenarios while maintaining measurement precision without requiring a completely complex static system.

Inventive Principle:
Principle #15Dynamics

2Measurement precision

If multiple customizable variables are used to create comparison groups, then the measurement precision of driver ranking is improved, but the device complexity increases

Engineering Contradiction:
Improvedriver ranking accuracyVSAvoiddata collection and processing complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent segments the assessment process into distinct phases: data collection for each variable type, comparison group formation based on selected variables, and ranking calculation within each group. This segmentation of the processing workflow manages complexity by organizing multiple variables and data types into structured, manageable steps while maintaining high ranking accuracy.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent applies local quality by allowing different sets of customizable variables to be selected for different comparison groups based on specific assessment needs. Each comparison group can be tailored with relevant variables (e.g., location-based variables for geographic comparisons, demographic variables for population-based comparisons), enabling precise local assessments without requiring all variables to be processed uniformly across the entire system.

Inventive Principle:
Principle #3Local quality

3Adaptability or versatility

If drivers are ranked within specific customizable groups, then the adaptability of the assessment system is improved, but the difficulty of detecting and measuring driving behavior accurately increases

Engineering Contradiction:
Improveassessment system flexibilityVSAvoidtelematics data analysis complexity
Core Design Contradiction:
Adaptability or versatilityVSDifficulty of detecting and measuring

Solution Approach 1:

The patent implements a universal telematics data collection framework that can capture multiple types of driving behavior data (acceleration, braking, steering, location, time) through a single integrated system. This multi-functional data collection approach enables the system to adapt to different comparison group requirements without requiring separate detection mechanisms for each variable type, thereby reducing the overall difficulty of detecting and measuring driving behavior accurately.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces an intermediary processing layer that standardizes and normalizes telematics data before analysis. This intermediary layer handles the complexity of detecting and measuring various driving behaviors by providing a unified data structure and preprocessing routines, allowing the adaptable comparison group rankings to be generated without directly managing the full complexity of raw telematics data analysis.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS20250087034A1Dynamic driving comparison groups for assessing driving safety
Publication Date: 2025.03.13 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US20250087034A1 patent drawing
  • US20250087034A1 patent drawing
  • US20250087034A1 patent drawing

AI summary

A computer-implemented method can include, identifying a subset of drivers from among a group of other drivers. The computer-implemented method can also include, receiving a first set of telematics data associated with a vehicle operated by a driver and a second set of telematics data associated with a group of other vehicles operated by the subset of drivers from among the group of other drivers. The computer-implemented method can further include, ranking the driver and drivers of the subset of drivers by comparing the first set of telematics data and the second set of telematics data. The computer-implemented method can additionally include, transmitting for display on a graphical user interface of an electronic device of the driver, a ranking of the driver. The computer-implemented method can also include, upon determining changes in one or more of: (a) a movement of the vehicle or (b) a respective movement of at least one vehicle of the group of other vehicles: re-ranking the driver, and transmitting for display on the graphical user interface of the electronic device of the driver, the ranking of the driver, as re-ranked. Other embodiments are disclosed herein.