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 17):
The method of  claim 10 , wherein the account associated with the driver of the vehicle is associated with a pay-as-you-drive vehicle insurance policy of the vehicle, and wherein the method comprises:\n notifying, by the at least one processor, an account holder of the account associated with the driver of the vehicle when a number of risk units consumed during a period of time is greater than an estimated amount.

Metadata:
- Claim Count in Document: 42.0
- Percentile: 93.0
- Lexical Diversity: 1.89888
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14673150', '14816299', '14100913', '14697141', '14697153']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1186547859034241
- 35 USC 102 Novelty (BERT): 0.5282699637491661
- Combined Prediction Score: 0.1596163036879983
- Mean Citation Score: 317.379426
- Max Citation Score: 347.37048
- Similarity Product: 317.5844193968581

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