Patent Document ID: 9418382
Application ID: 14313606
Patent Status: 1

Claim One:
1. A system for converting geo-spatial information into insurance determinations based on vehicle trip data including a comparison of paths taken on a plurality of trips, the system comprising: a data collection device installed in a vehicle and configured to be automatically activated responsive to the vehicle being turned on, the data collection device being communicatively coupled to a vehicle computer of the vehicle via an on-board diagnostics port of the vehicle, the data collection device comprising: a global navigation satellite system receiver, configured to determine, continuously and automatically, while the vehicle is in operation during the plurality of trips, geo-position information of the vehicle; and a data collection device processor, configured to periodically pull geo-position data from the global navigation satellite system receiver; the data collection device being configured to automatically transmit telematics data, the telematics data including the geo-position data; and one or more data storage devices storing data indicative of the telematics data transmitted from the data collection device; 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, the retrieved data including locations defined by particular latitudes and longitudes; determine for each of the locations a rounded location by applying a rounding operation on the particular latitudes and longitudes; compute a trips score based on a comparison of paths taken on the plurality of trips, the comparison based at least in part on similarity of location data points along the paths, determined from the rounded location determined from the particular latitudes and longitudes from the retrieved telematics data, the comparison based on at least one of: (i) a sequence alignment technique, (ii) a Smith-Waterman algorithm technique, and (iii) a Needleman-Wunsch algorithm technique; 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.