Patent Document ID: 20140310027
Application ID: 14313606
Patent Status: 0

Claim One:
1. A system for converting geo-spatial information into insurance determinations based on vehicle trip data, the system comprising: one or more data storage devices for storing data indicative of telematics data received from a sensor within a vehicle, the telematics data being associated with a plurality of trips and comprising at least one of geo-position information of the vehicle and vehicle kinematics data; one or more computer processors in communication with the one or more data storage devices; a communications device in communication with the one or more computer processors and the one or more data storage devices; and a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to: retrieve information related to an automobile insurance policy; retrieve at least a portion of the stored data indicative of the telematics data from the computer memory; compute a trips score based on a comparison of paths taken on the plurality of trips, determined from the retrieved telematics data; store the computed trips score; perform an insurance calculation for the automobile insurance policy based on the retrieved information related to the policy and the trips score; and output an insurance determination for the automobile insurance policy based on the insurance calculation.