Method and system for creating driver telematic signatures

• Main Authors: Chan, Neil G, Brooks, Travis R, Wells, Mark A
• Format: Patent
• Language: English
• Published: 15.06.2021
• Subjects: ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDEDFOR ELSEWHERE; CALCULATING; CHECKING-DEVICES; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; ELECTRIC COMMUNICATION TECHNIQUE; ELECTRIC DIGITAL DATA PROCESSING; ELECTRICITY; GENERATING RANDOM NUMBERS; PHYSICS; REGISTERING OR INDICATING THE WORKING OF MACHINES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR; TIME OR ATTENDANCE REGISTERS; TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION; VOTING OR LOTTERY APPARATUS; WIRELESS COMMUNICATIONS NETWORKS

A method and system for creating driver telematic signatures. The driver telematic signatures include device-independent and vehicle-independent, artificial intelligence (AI) analyzed and dynamic Big Data set (e.g., 100,000−1 Million+ data values) calibrated, driver safety scoring system. The driver telematics signatures are created and used in real-time from a cloud Software as a Service (SaaS) on a cloud server network device and a cloud communications network that communicates with a driver's vehicle when it is on and moving. The driver telematics signatures provide current driver performance data, driver habit data and allow determination in real-time of drivers performing risky driver maneuvers. The driver telematics signature are also used to determine a cost of insurance for vehicles as the result of reducing rating errors by establishing a baseline for the driver's behavior while driving a vehicle.