Real-Time Impairment Scoring Using Optical Sensor Segmentation

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Solution Overview

Problem

Current insurance rate adjustment systems fail to effectively account for real-time data on vehicle operator impairment, such as drowsiness and distraction, which are significant contributors to accidents, leading to inadequate risk assessment and insurance pricing.

Innovation Solution

A computer-implemented system that uses optical sensors to monitor vehicle operators and their environments, assigning scores based on impairment indicators and calculating an impairment score through mathematical operations to adjust insurance rates in real-time.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If real-time monitoring of vehicle operator impairment is implemented, then insurance rate accuracy is improved, but system complexity increases

Engineering Contradiction:
Improveimpairment assessment accuracyVSAvoidmonitoring system complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The system divides impairment assessment into multiple independent indicators (eye closure duration, blink frequency, head position, lane deviation) that can be monitored separately and then aggregated. Each indicator is detected by dedicated sensors and processed independently before being combined to form the overall impairment score, making the complex assessment task manageable through modular segmentation.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The monitoring system is designed to detect multiple types of impairment indicators using a unified platform that processes various data sources (optical sensors, vehicle telemetry) through common algorithms. The same system architecture handles different impairment types (drowsiness, distraction, intoxication) by analyzing different indicator patterns, providing universal impairment detection capability.

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

2Adaptability or versatility

If multiple impairment indicators are monitored simultaneously, then assessment comprehensiveness is improved, but data processing complexity increases

Engineering Contradiction:
Improveimpairment detection coverageVSAvoiddata processing complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system segments impairment detection into distinct indicator categories (eye behavior, head position, vehicle control) with dedicated detection algorithms for each. This segmentation allows comprehensive monitoring of multiple impairment types while keeping individual processing tasks manageable and independent.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

Multiple impairment indicators from different sensors and data sources are merged into a unified impairment score through mathematical operations. The system combines eye closure data, blink frequency, head position, and lane deviation measurements into a single comprehensive assessment, achieving versatile impairment detection through data integration.

Inventive Principle:
Principle #5Merging (Combining)

3Reliability

If real-time impairment data is collected continuously, then risk assessment accuracy is improved, but energy consumption increases

Engineering Contradiction:
Improverisk assessment reliabilityVSAvoidsensor system energy consumption
Core Design Contradiction:
ReliabilityVSUse of energy by moving object

Solution Approach 1:

The system implements periodic sampling of impairment indicators rather than continuous monitoring. Optical sensors capture eye behavior and head position at regular intervals, and vehicle telemetry data is collected periodically. This periodic action maintains reliable risk assessment capability while significantly reducing energy consumption compared to continuous monitoring.

Inventive Principle:
Principle #19Periodic action

Solution Approach 2:

The system maintains continuous risk assessment capability through periodic data collection and continuous processing of accumulated data. Rather than interrupting monitoring to save energy, the system continuously analyzes impairment trends over time using periodically sampled data, ensuring uninterrupted risk assessment reliability while optimizing energy usage.

Inventive Principle:
Principle #20Continuity of useful action

Data Source

PatentUS10163163B1System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment
Publication Date: 2018.12.25 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US10163163B1 patent drawing
  • US10163163B1 patent drawing
  • US10163163B1 patent drawing

AI summary

A method includes receiving data about potential impairment of a vehicle operator, wherein the data about potential impairment is generated by: (i) monitoring the vehicle operator with a first optical sensor, and (ii) monitoring an environment ahead of a vehicle operated by the vehicle operator with a second optical sensor. The computer-implemented method further includes assigning a plurality of scores based on the data about potential impairment, wherein each of the plurality of scores corresponds to a respective impairment indicator, and determining an impairment score for the vehicle operator by performing a mathematical operation on the plurality of scores, the impairment score summarizing a level of impairment of the vehicle operator.