Route Scoring for Fair Driver Performance Assessment

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Solution Overview

Problem

Current technologies for assessing driving performance using vehicle telematics data fail to provide accurate comparisons between drivers due to differences in route difficulty, leading to unfair penalties and inaccurate risk profiling for insurance and fleet management.

Innovation Solution

The implementation of a computer-implemented method that assigns route scores based on road infrastructure and driving conditions, allowing for the normalization of driving performance scores to account for route difficulty, enabling more accurate comparisons and predictions of driving performance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If traditional driving performance assessment is used without route scoring, then the assessment process is simple, but the accuracy and fairness of driver comparison deteriorates due to route difficulty differences

Engineering Contradiction:
Improvedriving performance assessment accuracyVSAvoidassessment system complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent segments the driving performance assessment into two distinct components: route scoring (assessing route difficulty based on infrastructure data) and driver performance scoring (assessing actual driving behavior). This segmentation allows each component to be evaluated independently and fairly combined, resolving the contradiction by maintaining assessment accuracy while organizing system complexity into manageable modules.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces route scoring as an intermediary factor that mediates between raw driving data and final performance assessment. By inserting this intermediate layer that accounts for route difficulty, the system achieves more accurate and fair driver comparisons without overwhelming complexity, as the intermediary handles the normalization task.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If route scoring is implemented to normalize driving performance, then the fairness and accuracy of driver comparison improves, but the system complexity and computational requirements increase

Engineering Contradiction:
Improvedriver comparison fairnessVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies preliminary action by pre-calculating route scores based on infrastructure data before driver performance assessment. This allows route difficulty to be determined in advance, and then used as a normalization factor for driver performance. The complexity is reduced by performing this calculation beforehand rather than in real-time during performance assessment.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent changes the parameter set used for assessment by introducing route-specific parameters (infrastructure data, route characteristics) that modify how driver performance is evaluated. This parameter change enables fairer comparisons across different routes while maintaining system manageability through structured parameter handling.

Inventive Principle:
Principle #35Parameter changes

3Adaptability or versatility

If traditional telematics analysis is used, then data collection is straightforward, but the ability to predict driving performance on new routes deteriorates

Engineering Contradiction:
Improveperformance prediction capabilityVSAvoidroute characteristic information
Core Design Contradiction:
Adaptability or versatilityVSLoss of information

Solution Approach 1:

The patent uses preliminary action by pre-establishing the relationship between route characteristics and performance outcomes through route scoring. This creates a predictive model that can estimate performance on new routes based on their infrastructure data, enabling adaptability without losing route characteristic information.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent creates a virtual representation or 'copy' of route characteristics through route scoring, which captures essential route features without requiring actual driving data. This copied information can then be used to predict performance on similar routes, enhancing adaptability while preserving route information.

Inventive Principle:
Principle #26Copying

Data Source

PatentUS12282868B1Route scoring for assessing or predicting driving performance
Publication Date: 2025.04.22 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US12282868B1 patent drawing
  • US12282868B1 patent drawing
  • US12282868B1 patent drawing

AI summary

In a computer-implemented method of assessing driving performance using route scoring, driving data indicative of operation of a vehicle while the vehicle was driven on a driving route may be received. Road infrastructure data indicative of one or more features of the driving route may also be received. A route score for the driving route may be calculated using the road infrastructure data, and a driving performance score for a driver of the vehicle may be calculated using the driving data and the route score for the driving route. Data may be sent to a client device via a network to cause the client device to display the driving performance score and/or a ranking based on the driving performance score, and/or the driving performance score may be used to determine a risk rating for the driver of the vehicle.