PATENT CLAIM ANALYSIS

Application Number: 16021593
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2019-02
Patent Classification: ["705", "004000"]

Abstract:
A method is disclosed for mitigating the risks associated with driving by assigning risk values to road segments and using those risk values to select less risky travel routes. Various approaches to helping users mitigate risk are presented. A computing device is configured to generate a database of risk values. That device may receive accident information, geographic information, vehicle information, and other information from one or more data sources and calculate a risk value for the associated road segment. Subsequently, the computing device may provide the associated risk value to other devices. Furthermore, a personal navigation device may receive travel route information and use that information to retrieve risk values for the road segments in the travel route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy. This and other aspects relating to using geographically encoded information to promote and reward risk mitigation are disclosed.

Claim (Index 11):
A computing device, comprising:\n at least one processor; and at least one memory storing instructions that, when executed by the at least one processor, cause the computing device to:\n receive information identifying a travel route being traveled by a vehicle in which the computing device is located, wherein the travel route being traveled by the vehicle comprises a first location and a second location, and wherein the travel route being traveled by the vehicle comprises a plurality of route segments associated with the travel route being traveled by the vehicle; \n retrieve a segment value for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, wherein each segment value is determined based on accident information associated with the corresponding route segment, and wherein the accident information associated with at least one route segment of the plurality of route segments associated with the travel route being traveled by the vehicle comprises accident loss information and information identifying a direction of travel at an accident location; \n aggregate the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle to calculate a total route risk value for the travel route being traveled by the vehicle; \n adjust a cost of a vehicle insurance policy for the vehicle based on a balance of risk points corresponding to a difference between a total risk score associated with the vehicle insurance policy for the vehicle and the total route risk value for the travel route being traveled by the vehicle; and \n based on adjusting the cost of the vehicle insurance policy for the vehicle based on the balance of risk points, send information identifying the cost of the vehicle insurance policy for the vehicle to a display device located in the vehicle while the travel route is being traveled by the vehicle, wherein sending the information identifying the cost of the vehicle insurance policy for the vehicle to the display device located in the vehicle causes the display device located in the vehicle to display the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle.

Metadata:
- Claim Count in Document: 51.0
- Percentile: 94.0
- Lexical Diversity: 1.89888
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14697141', '14862266', '14816299', '14697153', '14697131']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1275612594349754
- 35 USC 102 Novelty (BERT): 0.5248855711774014
- Combined Prediction Score: 0.167293690609218
- Mean Citation Score: 334.81276800000006
- Max Citation Score: 359.74136
- Similarity Product: 305.19286118577963

Labels:
- Claim Label 101: 0
- Claim Label 102: 1
- Claim Label 103: 0
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test