Exhibit 101 3
`
`(12) United States Patent
`(10) Patent No.:
`US 8,090,598 B2
`Bauer et a].
`(45) Date of Patent:
`Jan. 3, 2012
`
`USOO8090598B2
`
`(54)
`
`(75)
`
`MONITORING SYSTEM FOR DETERMINING
`AND COMMUNICATING A COST OF
`INSURANCE
`
`Inventors: Alan Rex Bauer, Mill Valley, CA (US);
`Kurtis Tavis Burns, Lakewood, OH
`(US); Michael Vincent Esposito,
`Aurora, OH (US); David Charles
`Huber, Jr., Hudson, OH OIS); Patrick
`Lawrence O’Malley, Avon, OH (US)
`
`(73) Assignee: Progressive Casualty Insurance
`Company, Mayfield Village, 011 (US)
`
`( * ) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 2257 days.
`
`(21)
`
`Appl. No.: 10/764,076
`
`(22)
`
`(65)
`
`Filed:
`
`Jan. 23, 2004
`
`Prior Publication Data
`
`US 2004/0153362 A1
`
`Aug. 5, 2004
`
`Related US. Application Data
`
`(63) Continuation-in—part of application No. 09/571650.
`filed on May 15, 2000, now Pat. No. 6.868.386. which
`is
`a
`continuation-in-part
`of
`application No.
`09/135,034, filed on Aug. 17. 1998, now Pat. No.
`6,064,970, which is a continuation of application No.
`08/592,958, filed on Jan. 29, 1996, now Pat. No.
`5,797,134.
`
`(51)
`
`(52)
`(58)
`
`Int. Cl.
`(2006.01)
`G06Q 40/00
`U.S. Cl.
`................................. 705/4; 701/1; 701/117
`Field of Classification Search .................. 702/188.
`702/2, 3; 701/29, 1, 5, 117; 705/400
`See application file for complete search history.
`
`100
`
`102
`
`(56)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`3,388,404 A
`6/1968 Bush
`(Continued)
`
`CA
`
`FOREIGN PATENT DOCUMENTS
`
`
`2151458
`6/1994
`
`(Continued)
`OTHER PUBLICATIONS
`
`OBD
`http://www.obd-onboarddiagno stics.com/AutoVVatchhtnl,
`Vehicle Usage Monitor-Autowatch, “AutoWatchTM”, Copyright
`1999-2004-Software for Cars.
`
`(Continued)
`
`Primary Examiner 7 Lena Naj arian
`Assistant Examiner 7 Teresa Woods
`
`(74) Attorney, Agent, or Firm 7 Brinks Hofer Uilson &
`Lione
`
`ABSTRACT
`(57)
`Means are provided for recording, storing, calculating, com—
`municating and reviewing one or more operational aspects of
`a machine. Insurance costs are based, in part, on activities of
`the machine operator. A discount may be provided in
`exchange for recording the operational aspects and providing
`the recorded information to the insurer. The party may review
`information and decide whether to provide it to the insurer.
`The means for reviewing may present comparative informa-
`tion. Information that causes insurance costs to vary may be
`highlighted. Provided data may be used to verify insurance
`application information, generate actuarial information or
`determine insurance rates. Operating data may be reviewed
`on a computer, a Web site or other display medium so a party
`can observe how his operating behavior compares to that of
`other operators of similar machines and may be manipulated
`so a party can understand how changes in operating behavior
`can affect his insurance rates.
`
`78 Claims, 18 Drawing Sheets
`
`
`
`
`
`TRIGGER
`EVENT
`
`110/
`
`1307
`
`Liberty Mutual
`
`Exhibit 1013
`
`Page 000001
`
`
`
`CONTROL CLAIMS
`
`
`DISPATCH
`
` 122
`
`m
`
`l
`CLAIMS
`CENTRAL
`CONTROL
`DISPATCH
`TAKES
`TAKES
`ACYION
`
`APPROPRIATE
`AFFRUFRIKI’E
`ACTION
`INFORMATION
`
`
`
`115»
`124
`I
`
`REooRD
`RECORD
`CLAIMS
`CENTRAL
`D sPATcH
`CONTROL
`ACTION
`
`INFORMA‘HON
`‘
`ACTION
`
`TRIGGER
`EVENT
` RECORD
`DATA
`DATA
`
`
`
`
`
`ENDLnoP
`
`104‘
`
`TRIGGER
`EVENT
`PROCESSING
`
`
`
`
`Page 000001
`
`

`

`US 8,090,598 B2
`
`Page 2
`
`
`
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`>>>>>>>>>>>>>>>>>>>>>>3>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
`
`3,504,337
`3,716,679
`3,781,824
`3,792,445
`3,870,894
`3,938,092
`4.013.875
`4,067,061
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`4,581,708
`4,593,357
`4,608,638
`4,638,289
`4,638,295
`4,667,336
`4,671,111
`4,685,061
`4,692,882
`4,706,083
`4,745,564
`4,763,745
`4,807,179
`4,829,434
`4.831.526
`4,836,024
`4,843,463
`4,843,578
`4,845,630
`4,853,720
`4,926,331
`4,939,652
`4,944,401
`4,945,759
`4,987,541
`4,992,943
`5,017,916
`5,046,007
`5,055,851
`5,074,144
`5,111,289
`5.189.621
`5,223,844
`5,249,127
`5,303,163
`5,319,374
`5,325,082
`5,355,855
`5,359,528
`5,365,451
`5,373,346
`5,379,219
`5,394,136
`5,400,018
`5,412,570
`5,430,432
`5,442,553
`5,445,347
`5.446.659
`5,459,660
`5,463,567
`5,465,079
`5,471,193
`5,485,161
`5,497,329
`5,499,182
`5,500,806
`5,546,305
`5,548,273
`5,550,551
`5,550,738
`
`5,570,087
`5,581,464
`5,608,629
`5,638,273
`5,654,501
`5.680.140
`5,693,876
`5,694,116
`5,694,322
`5,726,893
`5,732,074
`5,737,711
`5,758,299
`5,758,300
`5,790,427
`5,797,134
`5,799,249
`5,805,079
`5,811,884
`5,815,070
`5,815,071
`5,815,093
`5.819.198
`5,832,394
`5,844,473
`5,845,256
`5,862,500
`5,877,707
`5,884,202
`5,916,287
`5.919.239
`5,928,291
`5,956,691
`5,974,356
`6,009,363
`6,064,299
`6,064,970
`6,067,488
`6,073,063
`6.076.026
`6,088,636
`6,141,611
`6,167,333
`6,169,943
`6,181,994
`6,185,490
`6,189,057
`6.204.757
`6,225,898
`6,240,773
`6,246,933
`6,246,934
`6,253,129
`6,263,268
`6,278,936
`6,295,492
`6.298.290
`6,317,668
`6,356,823
`6,360,145
`6,366,207
`6,366,848
`6,392,564
`6,393,346
`6.405.112
`6,411,203
`6,421,791
`6,430,488
`6,438,472
`6,459,969
`6,470,240
`6,499,114
`6,502,020
`6.502.035
`6,505,106
`6,526,341
`6,529,723
`6,556,899
`6,556,905
`
`>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
`wwwwcggwm0:101:61:10:wwwwwmmwwwwwofiwwmwwwwwr»
`
`
`10/1996
`12/1996
`3/1997
`6/1997
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`Page 000002
`
`Page 000002
`
`

`

`US 8,090,598 B2
`
`Page 3
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`6,604,033 B1
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`6,618,668 B1
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`‘
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`g
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`2164608
`2229238
`195 22 940 A1
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`Page 000003
`
`Page 000003
`
`

`

`US 8,090,598 B2
`Page 4
`
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`Page 000005
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`Page 000005
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`

`US. Patent
`
`Jan. 3, 2012
`
`Sheet 1 of 18
`
`US 8,090,598 B2
`
`100
`
`TRIGGER
`EVENT
`
`102
`
`104
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`130
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`Page 000006
`
`Page 000006
`
`

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`

`US. Patent
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`Jan. 3, 2012
`
`Sheet 3 of 18
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`US 8,090,598 B2
`
`
`
`Page 000008
`
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`
`

`

`US. Patent
`
`Jan. 3, 2012
`
`Sheet 4 of 18
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`US 8,090,598 B2
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`Page 000009
`
`Page 000009
`
`

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`

`

`US. Patent
`
`Jan. 3, 2012
`
`Sheet 6 of 18
`
`US 8,090,598 B2
`
`COLLECT UNDERWRITING
`AND RATING INFORMATION
`FROM CUSTOMER AND
`EXTERNAL SOURCES.
`FOR EXAMPLE: AGE,
`SEX, DRIVING RECORD,
`TYPE OF TELEMATIC
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`CUSTOMERS
`
`206
`
`BASED ON THE
`
`COLLECTED INFORMATION.
`DEVELOP AND RECORD
`
`200
`
`524
`
`
`UNIT OF RISK
`DOWNLOAD RATING
`
`
`ALGORITHM TO
`
`
`
`TO DATA
`ON-BOARD DATA
`
`
`LOGGING AND
`LOGGING AND [OR
`
`
`
`COMMUNICATION
`COMMUNICATION
`
`
`DEVICE
`
`
`
`FIG. 6
`
`Page 000011
`
`Page 000011
`
`

`

`US. Patent
`
`Jan. 3, 2012
`
`Sheet 7 of 18
`
`US 8,090,598 B2
`
`DETERMINE A LEVEL OF
`
`WILLINGNESS OF A PARTY
`TO ALLOW AT LEAST ONE
`ASPECT OF MACHINE
`OPERATION TO BE
`RECORDED
`
`PROVIDE A DEVICE FOR
`
`RECORDING THE AT LEAST
`ONE ASPECT IF THE PARTY
`IS WILLING TO ALLOW THE
`
`ASPECT TO BE RECORDED
`
`ASSIGN A LEVEL RISK TO
`THE OPERATION OF THE
`MACHINE BASED AT LEAST
`IN PART ON THE INDICATED
`LEVEL OF WILLINGNESS TO
`ALLOW THE AT LEAST ONE
`ASPECT TO BE RECORDED
`
`
`
`DETERMINE WHETHER OR
`
`NOT TO OFFER INSURANCE
`FOR THE MACHINE TO THE
`PARTY BASED ON THE
`ASSIGNED LEVEL OF RISK
`
`SET A PRICE FOR
`
`INSURANCE BASED ON THE
`ASSIGNED LEVEL OF RISK IF
`THE DETERMINATION IS
`MADE TO OFFER INSURANCE
`
`718
`
`722
`
`//714
`
`726
`
`730
`
`734
`
`FIG. 7
`
`Page 000012
`
`Page 000012
`
`

`

`US. Patent
`
`t
`
`8
`
`2B0095,09
`
`
`9