Patent ID: 9646347
Date: 2017-05-09
CPC Classifications: B60C,B60Q,B60R,G06Q,G07C,G08G,H04W

Claim:
1. A computer-implemented method for providing incentives to an insured customer during the term of an insurance policy, the method comprising: receiving, via a computer network, sensor data from at least one sensor, the sensor data (i) including data that measures a set of characteristics of an operating insured vehicle, and (ii) sent by the at least one sensor in real time during operation of the operating insured vehicle; accessing vehicle conditions data including data related to an environment at a particular location; once the sensor data is received from the at least one sensor: calculating a risk score for the insured customer, the risk score based on the risk-reducing behavior engaged in by the insured customer; determining, by a processor, an incentive action to execute for the insured customer based on the risk score; and executing, by the processor, the incentive action.