Patent ID: 9558520
Date: 2017-01-31
CPC Classifications: G01C,G06Q,G16H

Claim:
1. A computer system for facilitating of vehicle routing with reduced risk, comprising: a data storage device for storing, updating and providing access to vehicle loss risk score data; a computer processor for executing program instructions and for retrieving the vehicle loss risk score data from the data storage device; a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor; a geocoding engine comprising program instructions stored in the memory for geocoding historical loss data, current vehicle loss data, and a plurality of vehicle loss risk factors; a scoring engine comprising program instructions stored in the memory for calculating a vehicle loss risk score for each of a plurality of geographical locations based on said historical loss data, said current loss data, and said plurality of vehicle loss risk factors, including computing a result of an algorithm including as factors an average claim severity, an average claim frequency, a population density, and day of week risk factor, wherein said vehicle loss risk score for each of said plurality of geographical locations is stored in said data storage device; a communication device, coupled to the computer processor, to (i) receive actual trip route data automatically generated and transmitted by a plurality of mobile devices, the trip route data generated by GPS receivers and accelerometers, associated with a driver, the actual trip route data including a set of geographical locations through which the mobile device traveled over a period of time; (ii) receive the current loss data comprising new vehicle loss claim data and accident event data; and (iii) output vehicle loss risk score data, one or more application programming interfaces configured to expose some or all of the scoring data to an external mapping service to facilitate route selection based on mapping data from the external mapping service, the received actual trip route data and the loss risk scores associated with said set of geographical locations; and a display device to display routing options for selection based on the vehicle loss risk scores.