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    System and method to monitor and alert vehicle operator of impairment
    23.
    发明授权
    System and method to monitor and alert vehicle operator of impairment 有权
    系统和方法来监控和警告车辆操作员的减值

    公开(公告)号：US09283847B2

    公开(公告)日：2016-03-15

    申请号：US14269490

    申请日：2014-05-05

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Matthew Eric Riley, Sr. ,  Gregory Dwayne Carter ,  James M. Freeman ,  Vaidya Balasubramanian Pillai ,  Jason Chang ,  David W. Thurber

    IPC: G08B23/00 ,  B60K28/06 ,  B60W40/08

    CPC classification number: B60K28/066 ,  A61B5/0077 ,  A61B5/02055 ,  A61B5/024 ,  A61B5/0476 ,  A61B5/0533 ,  A61B5/18 ,  A61B5/6802 ,  A61B5/7455 ,  A61B5/746 ,  A61B2562/0219 ,  B60W40/08 ,  B60W50/16 ,  B60W2040/0818 ,  B60W2040/0827 ,  B60Y2400/902 ,  G08B21/06

    Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

    Abstract translation: 方法，系统和计算机可读介质便于在车辆操作过程中监视车辆操作者，以确定车辆操作者是否受损（例如，分心，困倦，醉人），并且使用由 当检测到损伤时，由车辆操作者佩戴的可穿戴计算装置。 方法，系统和计算机可读介质可以使用包括光学传感器或加速度计的各种传感器来监视车辆操作者，车辆周围的环境和/或作用在车辆上的力。 特别地，光学传感器可以监视车辆操作者以检测眨眼，头部头部，头部旋转和/或注视固定。 光学传感器还可以监视车辆前方的道路，以检测车道偏离，车道居中和碰撞时间。 加速度计可以检测车辆行驶方向和/或横向加速度的加速度。

    Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer
    24.
    发明申请
    Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer 审中-公开
    使用移动设备向远程计算机提供保险费数据的方法

    公开(公告)号：US20150170290A1

    公开(公告)日：2015-06-18

    申请号：US14630808

    申请日：2015-02-25

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Benjamin F. Bowne ,  Jufeng "James" Peng ,  Nicholas R. Baker ,  Duane Lee Marzinzik ,  Matthew Eric Riley ,  Nick U. Christopulos ,  Brian Mark Fields ,  J. Lynn Wilson ,  Bryan T. Wilkerson ,  David W. Thurber

    IPC: G06Q40/08

    Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

    Abstract translation: 一种用于至少部分地基于收集的车辆操作数据向远程计算机或服务器提供车辆操作数据一段时间的计算车辆保险费的方法，其中所述方法包括以下步骤：经由移动站收集车辆操作数据 所述移动设备与操作车辆相关联，其中所述车辆操作数据具有保险风险预测能力; 以及将所收集的车辆操作数据从所述移动设备发送到远程计算机。 远程计算机或服务器接收收集的车辆操作数据，将收集的车辆操作数据存储在数据库中，至少部分地基于收集的车辆操作数据，经由评级引擎来确定车辆保险费。

    SYSTEMS AND METHODS FOR COMMUNICATING WITH AN ELECTRIC VEHICLE
    26.
    发明公开
    SYSTEMS AND METHODS FOR COMMUNICATING WITH AN ELECTRIC VEHICLE 审中-公开

    公开(公告)号：US20230334581A1

    公开(公告)日：2023-10-19

    申请号：US18206906

    申请日：2023-06-07

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： David W. Thurber

    IPC: G06Q40/08 ,  B60L53/00

    CPC classification number: G06Q40/08 ,  B60L53/00

    Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.

    System and method to monitor and alert vehicle operator of impairment
    28.
    发明授权
    System and method to monitor and alert vehicle operator of impairment 有权

    公开(公告)号：US10569650B1

    公开(公告)日：2020-02-25

    申请号：US16150780

    申请日：2018-10-03

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Matthew Eric Riley, Sr. ,  Gregory Dwayne Carter ,  James M. Freeman ,  Vaidya Balasubramanian Pillai ,  Jason Chang ,  David W. Thurber

    IPC: B60K28/06 ,  B60W40/08

    Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

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