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 13):
The computing device of  claim 11 , wherein the at least one memory stores additional instructions that, when executed by the at least one processor, cause the computing device to:\n cause the display device located in the vehicle to provide a notification of a credit if the cost of the vehicle insurance policy for the vehicle is reduced as a result of adjusting the cost of the vehicle insurance policy for the vehicle based on the balance of risk points.

Metadata:
- Claim Count in Document: 51.0
- Percentile: 94.0
- Lexical Diversity: 1.89888
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14697141', '14862266', '14816299', '14697153', '14697131']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1414078486448335
- 35 USC 102 Novelty (BERT): 0.5272353908947727
- Combined Prediction Score: 0.1799906028698274
- Mean Citation Score: 334.81276800000006
- Max Citation Score: 359.74136
- Similarity Product: 302.9741880756568

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