公开(公告)号：WO2016122879A1

公开(公告)日：2016-08-04

申请号：PCT/US2016/013192

申请日：2016-01-13

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： BIEMER, Edward A. ,  IREY, Grady ,  STYRSKY, Caryl M.

IPC: B60W40/09 ,  G01C21/36 ,  G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q10/0635

Abstract: Methods, computer-readable media, systems and apparatuses for implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. In some examples, the consumption rate may be displayed to the user, such as via a mobile device of the user or a vehicle display. Further, in some arrangements, one or more driving modifications to reduce a consumption rate may be determined and provided to the user.

Abstract translation: 介绍了实施基于风险单位的保险单的方法，计算机可读介质，系统和设备。 用户可以接收与保险单相关联的多个风险单位。 风险单元可以存储在与用户，车辆等相关联的风险单位帐户中。在车辆的操作期间，可以接收传感器数据。 传感器数据可以提供与用户的驾驶行为相关联的信息，车辆正在操作的环境条件等。 可以至少部分地基于所接收的传感器数据来确定风险单位的消耗率。 在一些示例中，可以例如经由用户的移动设备或车辆显示器向用户显示消耗速率。 此外，在一些布置中，可以确定并提供用于减少消耗速率的一个或多个驾驶修改。

公开(公告)号：WO2016122880A1

公开(公告)日：2016-08-04

申请号：PCT/US2016/013201

申请日：2016-01-13

Applicant: ALLSTATE INSURANCE COMPANY

Inventor： BIEMER, Edward A. ,  IREY, Grady ,  STYRSKY, Caryl M.

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  B60W10/04 ,  B60W10/30 ,  G01C21/3469 ,  G06Q40/00 ,  G06Q40/02 ,  G07C5/008 ,  G07C5/08 ,  H04W68/00

Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. If a number of risk units in a risk unit account is below a predetermined threshold, a notification may be transmitted to the user and/or a predetermined number of risk units may be automatically added to the risk unit account.

Abstract translation: 提出了用于确定和实施基于风险单位的保险单的方法，计算机可读介质，系统和装置。 用户可以接收与保险单相关联的多个风险单位。 风险单元可以存储在与用户，车辆等相关联的风险单位帐户中。在车辆的操作期间，可以接收传感器数据。 传感器数据可以提供与用户的驾驶行为相关联的信息，车辆正在操作的环境条件等。 可以至少部分地基于所接收的传感器数据来确定风险单位的消耗率。 如果风险单位帐户中的多个风险单位低于预定阈值，则可以向用户发送通知，和/或可以将预定数量的风险单元自动添加到风险单位帐户。

公开(公告)号：EP3251074A1

公开(公告)日：2017-12-06

申请号：EP16743838.1

申请日：2016-01-13

Applicant: Allstate Insurance Company

Inventor： BIEMER, Edward A. ,  IREY, Grady ,  STYRSKY, Caryl M.

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  B60W10/04 ,  B60W10/30 ,  G01C21/3469 ,  G06Q40/00 ,  G06Q40/02 ,  G07C5/008 ,  G07C5/08 ,  H04W68/00

Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. If a number of risk units in a risk unit account is below a predetermined threshold, a notification may be transmitted to the user and/or a predetermined number of risk units may be automatically added to the risk unit account.

公开(公告)号：EP3250430A1

公开(公告)日：2017-12-06

申请号：EP16743837.3

申请日：2016-01-13

Applicant: Allstate Insurance Company

Inventor： BIEMER, Edward A. ,  IREY, Grady ,  STYRSKY, Caryl M.

IPC: B60W40/09 ,  G01C21/36 ,  G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q10/0635

Abstract: Methods, computer-readable media, systems and apparatuses for implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. In some examples, the consumption rate may be displayed to the user, such as via a mobile device of the user or a vehicle display. Further, in some arrangements, one or more driving modifications to reduce a consumption rate may be determined and provided to the user.