PATENT CLAIM ANALYSIS

Application Number: 15974861
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
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 1):
A system comprising:\n at least one processor; and memory storing instructions that, when executed by the at least one processor, cause the system to:\n receive, from a navigation system located in a vehicle and configured to detect positions of the vehicle associated with a route being traveled by the vehicle, information identifying a location of the vehicle; \n calculate a safety risk score based on the information identifying the location of the vehicle received from the navigation system, a current direction of travel of the vehicle, road feature information identifying one or more locations of one or more road features along the route, and weather information identifying current weather conditions associated with the route being traveled by the vehicle; and \n credit or debit an account associated with a driver of the vehicle by an amount associated with the safety risk score, wherein crediting or debiting the account associated with the driver of the vehicle by the amount associated with the safety risk score comprises:\n generating a notification indicating that the account associated with the driver of the vehicle is being credited or charged for the amount associated with the safety risk score based on the route being traveled by the vehicle; and \n displaying, on a display screen in the vehicle, the notification indicating that the account associated with the driver of the vehicle is being credited or charged for the amount associated with the safety risk score based on the route being traveled by the vehicle.

Metadata:
- Claim Count in Document: 42.0
- Percentile: 93.0
- Lexical Diversity: 1.89888
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14673150', '14816299', '14100913', '14697141', '14697153']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1069102123198626
- 35 USC 102 Novelty (BERT): 0.527829230430909
- Combined Prediction Score: 0.1490021141309672
- Mean Citation Score: 317.379426
- Max Citation Score: 347.37048
- Similarity Product: 283.7739692390299

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

Dataset: test