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1. WO1997027561 - MOTOR VEHICLE MONITORING SYSTEM FOR DETERMINING A COST OF INSURANCE

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Publication Number WO/1997/027561
Publication Date 31.07.1997
International Application No. PCT/US1997/001495
International Filing Date 17.01.1997
Chapter 2 Demand Filed 29.08.1997
IPC
G06Q 30/02 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
G07C 5/00 2006.1
GPHYSICS
07CHECKING-DEVICES
CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
5Registering or indicating the working of vehicles
G07C 5/08 2006.1
GPHYSICS
07CHECKING-DEVICES
CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
5Registering or indicating the working of vehicles
08Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
CPC
G06F 15/00
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
15Digital computers in general
G06Q 30/0283
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0283Price estimation or determination
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G06Q 40/08
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08Insurance, e.g. risk analysis or pensions
G07C 5/008
GPHYSICS
07CHECKING-DEVICES
CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
5Registering or indicating the working of vehicles
008communicating information to a remotely located station
G07C 5/08
GPHYSICS
07CHECKING-DEVICES
CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
5Registering or indicating the working of vehicles
08Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
Applicants
  • PROGRESSIVE CASUALTY INSURANCE COMPANY [US]/[US]
Inventors
  • McMILLAN, Robert, J.
  • CRAIG, Alexander, D.
  • HEINEN, John, P.
Agents
  • MOLDOVANYI, Jay, F.
Priority Data
08/592,95829.01.1996US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) MOTOR VEHICLE MONITORING SYSTEM FOR DETERMINING A COST OF INSURANCE
(FR) SYSTEME D'EVALUATION DE VEHICULES A MOTEUR POUR DETERMINER LE PRIX DE LEUR ASSURANCE
Abstract
(EN) A method and system of determining a cost of automobile insurance based upon monitoring, recording and communicating data representative of operator and vehicle driving characteristics (202). The cost is adjustable retrospectively and can be prospectively set by relating the driving characteristics to predetermined safety standards. The method comprises steps of monitoring a plurality of raw data elements (208) representative of an operating state of the vehicle or an action of the operator. Selected ones of the raw data elements are recorded when the ones are determined to have an identified relationship to safety standards. The selected ones are consolidated (210) for processing against an insurer profile and for identifying a surcharge or discount (214) to be applied to a base cost of automobile insurance. A final cost (216) is produced from the base costs and the surcharges and discounts.
(FR) L'invention concerne un procédé et un système pour déterminer le prix d'une assurance automobile au moyen de la surveillance de l'enregistrement et de la communication de données représentant des caractéristiques (202) du conducteur et de son véhicule. Le prix peut être ajusté rétrospectivement et il peut être fixé prospectivement en comparant les informations recueillis avec des normes de sécurité prédéterminées. Le procédé consiste à recueillir un certain nombre d'informations brutes (208) relatives à l'état du véhicule et à l'historique du conducteur. Ces informations brutes recueillies sont triées pour enregistrer celles ayant un impact sur la sécurité. Ces dernières sont mises sous une forme appropriée (210) pour permettre une évaluation par l'assureur, en vue de déterminer s'il y a lieu d'appliquer un bonus ou un malus (214) à l'assurance de base. Le coût final (216) est basé sur une assurance de base ainsi corrigée.
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