Patent ID: 11948199
Assignee: nan
Field: Control (Instruments)
Classification: CPC G | IPC G

Claim 7:
8. A risk unit usage-based insurance system, comprising:
a plurality of sensors arranged on a vehicle and configured to collect at least vehicle operation data;
an insurance system server including at least a first processor, and at least a first memory storing computer-readable instructions that, when executed by the at least a first processor, cause the insurance system server to:
execute an application, executing the application including:
establish, via a wireless connection, a communication session with the plurality of sensors;
receive, from the plurality of sensors and during the communication session, sensor data associated with operation of the vehicle during at least a first driving trip;
receive, from a global positioning system, global positioning system data related to a road on which the vehicle is travelling during the at least a first driving trip;
determine, based on the received global positioning system data and in real-time, a type of road associated with the road on which the vehicle is travelling during the at least a first driving trip;
determine in real-time a consumption rate of risk units associated with the operation of the vehicle during the first driving trip based on the received sensor data, the global positioning system data, and the determined type of road the consumption rate of risk units being determined during operation of the vehicle during the at least a first driving trip;
identify one or more driving behaviors of a driver of the vehicle during at least the first driving trip;
generate a user interface including the determined consumption rate and identified one or more driving behaviors;
transmit the generated user interface to an on-board vehicle computing device having a display;

the on-board vehicle computing device having a display, the on-board vehicle computing device further including at least a second processor and at least a second memory storing computer-readable instructions that, when executed by the at least a second processor cause the on-board vehicle computing device to:
receive the generated user interface; and
display, on the display of the on-board vehicle computing device, the generated user interface, the generated user interface presenting one or more recommendations for reducing the determined consumption rate.