Patent ID: 11966980
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A system for notifying a vehicle operator associated with a vehicle of a location-based risk, comprising:
a transceiver for communicating data via a communication network;
a memory storing non-transitory computer executable instructions; and
a processor interfacing with the transceiver and the memory, wherein the processor is configured to execute the non-transitory computer executable instructions to cause the processor to:
receive, via the transceiver at a first time from an electronic device, an initial location of the vehicle, the initial location (i) indicating that the vehicle is approaching an intersection, and (ii) generated by a global positioning system (GPS) sensor incorporated within the electronic device,
retrieve, from a third-party server, data associated with the initial location and indicating that the intersection that the vehicle is approaching is dangerous,
examine the data to identify the location-based risk and a particular type of the location-based risk,
identify a threshold time period associated with the particular type of the location-based risk,
calculate, based on the data, a percentage chance of incident to the vehicle at the intersection,
automatically communicate, via the transceiver, an indication of the location-based risk to the electronic device for assessment by the vehicle operator,
subsequent to communicating the indication, receive, via the transceiver at a second time from the GPS sensor of the electronic device, an updated location of the vehicle,
calculate (i) an updated percentage chance of incident to the vehicle based on the updated location, and (ii) an elapsed time period between the first time and the second time,
determine (i) that the updated percentage chance of incident is less than the percentage chance of incident, and (ii) that the elapsed time period is less than the threshold time period associated with the particular type of the location-based risk,
determine, based on the elapsed time period between the first time and the second time, to reward the vehicle operator with a reward, and
cause a user interface of the electronic device to concurrently display (i) a notification that the location-based risk is mitigated, and (ii) an indication of the reward.