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    • 2. 发明申请
    • TRAVELING-BASED INSURANCE RATINGS
    • 基于旅行的保险评级
    • WO2017218257A1
    • 2017-12-21
    • PCT/US2017/036333
    • 2017-06-07
    • ALLSTATE INSURANCE COMPANY
    • HULS, Eric D.
    • B60W40/04B60W40/09G06F17/30G06Q40/08
    • G06Q40/08G07C5/008G07C5/0816H04W4/02H04W4/027H04W4/40H04W8/18
    • Disclosed herein is a traveling-based insurance rating system comprising a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device associated with a passenger of the vehicle, and a server computer comprising hardware, including a processor and memory. The server computer may receive driving data of a driver of the vehicle from the one or more sensors via the telematics device. The server computer may then identify one or more values of the driving data to be within one or more predetermined ranges and classify the driving data as a trip of the passenger. Based on the driving data from the trip, the server computer may determine one or more driving behaviors of the driver, calculate an insurance rating for the passenger of the vehicle based on the one or more driving behaviors of the driver, and transmit the insurance rating to the mobile device.
    • 本文公开了一种基于旅行的保险评级系统,其包括与车辆相关联的信息数据处理设备,该车辆具有布置在其中的一个或多个传感器,与车辆的乘客相关联的移动设备,以及服务器计算机, 硬件,包括处理器和内存。 服务器计算机可以经由远程信息处理设备从一个或多个传感器接收车辆驾驶员的驾驶数据。 然后,服务器计算机可以将驾驶数据的一个或多个值识别为在一个或多个预定范围内并且将驾驶数据分类为乘客的旅程。 基于来自旅程的驾驶数据,服务器计算机可以确定驾驶员的一个或多个驾驶行为,基于驾驶员的一个或多个驾驶行为计算车辆的乘客的保险等级,并且将保险等级 到移动设备。