Patent ID: 11861566
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer system for maintaining a vehicle with telematics data associated with the vehicle, the system comprising:
a server computing device comprising a processor in communication with a vehicle computing device of the vehicle, a maintenance account computing device, and a maintenance data source that includes cost data for vehicle components; and
a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
displaying, on a client device of a user, a dashboard including a plurality of vehicle components of the vehicle and one or more maintenance accounts associated with the user;
receiving, via a selector displayed on the dashboard, a plurality of selections, each selection associated with one of the plurality of vehicle components, the plurality of selections made to monitor a rate of wear of the associated vehicle component, each selection inputted by the user and indicating a maintenance account of the one or more maintenance accounts designated to hold funds for replacing each selected vehicle component at an end of a replacement cycle associated with each selected vehicle component, the maintenance account including a plurality of partitions, each partition designated to track one or more maintenance contributions for replacing each selected vehicle component;
receiving in real-time, via wireless communication from the vehicle computing device, the telematics data collected during a vehicle trip by one or more sensors associated with the vehicle, the one or more sensors configured to detect a condition of the plurality of vehicle components, the telematics data including a condition of each selected vehicle component and environmental data including environmental factors impacting the vehicle;
determining, based upon the condition of each selected vehicle component and the environmental data, the rate of wear of each selected vehicle component, thereby monitoring the rate of wear of each selected vehicle component;
determining, based upon the rate of wear of each selected vehicle component, a trip cost for the vehicle trip, the trip cost representative of a cost aggregation of the rate of wear of each selected vehicle component as a result of the vehicle trip;
retrieving, from the maintenance data source, lifecycle data of each selected vehicle component, the lifecycle data indicative of an amount of usage each selected vehicle component is designated to receive prior to replacement;
determining, based upon an analysis of the rate of wear and the lifecycle data of each selected vehicle component, the replacement cycle associated with each selected vehicle component;
aggregating the trip cost to a plurality of trip costs associated with each selected vehicle component;
determining, based upon the aggregated trip cost to the plurality of trip costs, that a total cost of trips associated with each selected vehicle component exceeds a maintenance contribution threshold; and
automatically transmitting a message to the maintenance account computing device associated with a primary account of the user of the vehicle, the message including the total cost of trips and instructing the maintenance account computing device to automatically transfer a maintenance contribution payment representing the total cost of trips from the primary account to the maintenance account, the maintenance account allocating each portion of the total cost of trips to each partition associated with a corresponding selected vehicle component.