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 3):
The method of  claim 2 , comprising:\n designating, by the at least one processor, the vehicle into a predetermined class based on the total risk score associated with the vehicle insurance policy for the vehicle, wherein adjusting the cost of the vehicle insurance policy for the vehicle comprises adjusting the cost of the vehicle insurance policy for the vehicle based on the predetermined class into which the vehicle is designated.

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): 0.1275782614205191
- 35 USC 102 Novelty (BERT): 0.5249387281339252
- Combined Prediction Score: 0.1673143080918597
- Mean Citation Score: 334.81276800000006
- Max Citation Score: 359.74136
- Similarity Product: 303.16476684675223

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