WO2010034909A1 - Method and device for authenticating transmitted data related to the use of a vehicle and/or to the behaviour of the driver thereof - Google Patents

Method and device for authenticating transmitted data related to the use of a vehicle and/or to the behaviour of the driver thereof Download PDF

Info

Publication number
WO2010034909A1
WO2010034909A1 PCT/FR2009/001138 FR2009001138W WO2010034909A1 WO 2010034909 A1 WO2010034909 A1 WO 2010034909A1 FR 2009001138 W FR2009001138 W FR 2009001138W WO 2010034909 A1 WO2010034909 A1 WO 2010034909A1
Authority
WO
WIPO (PCT)
Prior art keywords
electronic system
selv
vehicle
sep
portable electronic
Prior art date
Application number
PCT/FR2009/001138
Other languages
French (fr)
Inventor
Jacques AÏN
Original Assignee
Act Concepts
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Act Concepts filed Critical Act Concepts
Publication of WO2010034909A1 publication Critical patent/WO2010034909A1/en

Links

Classifications

    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01S—RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
    • G01S5/00—Position-fixing by co-ordinating two or more direction or position line determinations; Position-fixing by co-ordinating two or more distance determinations
    • G01S5/0009—Transmission of position information to remote stations
    • G01S5/0018—Transmission from mobile station to base station
    • G01S5/0027—Transmission from mobile station to base station of actual mobile position, i.e. position determined on mobile
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
    • G07C5/0841—Registering performance data
    • G07C5/085—Registering performance data using electronic data carriers
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01S—RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
    • G01S19/00—Satellite radio beacon positioning systems; Determining position, velocity or attitude using signals transmitted by such systems
    • G01S19/38—Determining a navigation solution using signals transmitted by a satellite radio beacon positioning system
    • G01S19/39—Determining a navigation solution using signals transmitted by a satellite radio beacon positioning system the satellite radio beacon positioning system transmitting time-stamped messages, e.g. GPS [Global Positioning System], GLONASS [Global Orbiting Navigation Satellite System] or GALILEO
    • G01S19/42—Determining position

Definitions

  • the present invention relates to a method and a device for calculating a personalized insurance premium according to the use of a vehicle and / or the behavior of its driver by using a portable and removable electronic system communicating with a label. electronic insurance mechanically fixed on said vehicle.
  • vehicle (v) is defined as any type of vehicle whose conduct is subject to an insurance contract.
  • a portable electronic system (sep) is any electronic system that is not secured to the vehicle and can be easily extracted from said vehicle.
  • a label is any electronic device that communicates with at least one portable electronic system.
  • the present invention aims to remedy these two problems by proposing a custom insurance premium calculation method using, not a "black box” type telematic system mechanically fixed to the vehicle but a portable electronic system (sep ) "General public" (such as a mobile phone, a smartphone (mobile phone coupled to a handheld), a PND (personal GPS navigator) or any portable electronic system now produced at a low cost) communicating with a label electronic insurance.
  • a portable electronic system such as a mobile phone, a smartphone (mobile phone coupled to a handheld), a PND (personal GPS navigator) or any portable electronic system now produced at a low cost
  • the method described in this patent allows the user to use or activate at his convenience a custom pricing service by means of his mobile phone and to benefit from a premium reduction according to the utilization rate of said service inside the vehicle.
  • the present invention firstly relates to a method for authenticating transmitted data relating to the use of a vehicle and / or the behavior of its driver, said method implementing at least two sets of systems electronic ones including:
  • the first set is composed of at least one portable electronic system (sep) comprising a software (Ig) that can be activated and / or deactivated by its user and at least one sensor providing data enabling the software (Ig) to calculate and / or to record and transmit to a remote computer server (sid) raw or aggregated information (if) related to the use of the vehicle (v) and / or the behavior of its driver,
  • a portable electronic system comprising a software (Ig) that can be activated and / or deactivated by its user and at least one sensor providing data enabling the software (Ig) to calculate and / or to record and transmit to a remote computer server (sid) raw or aggregated information (if) related to the use of the vehicle (v) and / or the behavior of its driver,
  • the second assembly is composed of at least one electronic system (selv) mechanically fixed to the vehicle (v) making it possible to communicate with at least one portable electronic system (sep), characterized in that:
  • At least one electronic system has a means of detecting that the vehicle is in motion and at least one electronic system (SELV) has a means of authenticating, at least when the vehicle is traveling, at least one portable electronic system (sep) when used in or near the vehicle (v) and,
  • a software (Ig) of at least one of the portable electronic systems (sep) is activated, then the said software (Ig) does not calculate and / or records and transfers and / or considers valid only the information (if) from the moment when the portable electronic system (sep) on which the said software (Ig) executes succeeds in authenticating with at least one electronic system ( selv) during the movement of the vehicle (v) or during a selected period preceding or following the movement of the vehicle (v).
  • the portable electronic systems (sep) which record and transmit continuously or periodically information (if) during the movement of the vehicle (v) can certify that the information (if) transmitted correspond to a movement of the authenticated vehicle (v).
  • the process as defined above is characterized in that for all the trips made by the vehicle (v) in a given period:
  • At least one electronic system (selv) has a means of calculating at least one cumulative displacement indicator (icd l) of the vehicle (v), if a software (Ig) of at least one of the portable electronic systems ( sep) is activated during the movement of the vehicle (v) and if the portable electronic system (sep) on which the said software (Ig) runs successfully to authenticate with at least one electronic system (selv), then said software (Ig) calculates at least one cumulative displacement indicator (icd_2) of the same nature as the displacement indicator (icd l),
  • the two indicators (icd_l) and (icd_2) are used by at least one pair of electronic systems (sep) and (selv) to calculate a utilization rate (tu) allowing to evaluate, with respect to the total cumulation of the indicator (icdl) over the given period, in what proportion the software (Ig) was used inside the vehicle (v) while it was traveling,
  • the utilization rate (tu) is transmitted to the computer server (sid) with the information (if) and makes it possible to weight the said information (if) and / or the insurance premium according to the said utilization rate ( you).
  • the second subject of the present invention is a device for carrying out the method which constitutes the first subject of the invention and which has been defined above, the electronic system (selv) implemented in the said process being characterized by the fact that it includes:
  • the electronic system (selv) is autonomous to detect the movement of the vehicle (v), which makes it possible to use a portable electronic system (Sep) having a plurality of applications usable elsewhere than in the vehicle (v).
  • the electronic system (selv) of the device according to the invention comprises means for calculating at least one cumulative displacement indicator (icd_l) for all the movements made by the vehicle (v) in a given period .
  • the electronic device (selv) is adapted to quantify the movements of the vehicle (v), whether or not the portable device (sep) is used in the vehicle (v) when it moves.
  • the portable electronic system (sep) and the electronic system (selv) of the device according to the invention comprise a means of calculating cumulative displacement indicators (icd_l) and (icd_2) corresponding to the time.
  • the portable electronic system (sep) and the electronic system (selv) of the device according to the invention comprise a means of calculating cumulative displacement indicators (icd l) and (icd_2) corresponding to the number of kilometers traveled. .
  • icd l cumulative displacement indicators
  • icd_2 cumulative displacement indicators
  • the electronic system (selv) of the device comprises: - an accelerometer and / or a micro-GPS chip and / or a connection to the power supply of the vehicle (v) to detect that the says vehicle (v) is moving,
  • a low-power microcomputer for calculating an indicator (icd_l) corresponding to the total duration of movement of the vehicle (v) in a given period of time; and a radiofrequency and / or wired interface making it possible to communicate bidirectionally with at least one electronic system portable (sep) and proceed to his (their) authentication,
  • a first variant of the device according to the invention comprises:
  • At least one portable electronic system consisting of a consumer mobile phone incorporating an on-board computer, a bluetooth interface, said mobile phone transmitting raw information (if) throughout each movement and / or information ( if) aggregated on a regular basis,
  • At least one electronic system consisting of an electronic insurance label incorporating at least one battery, an accelerometer and / or a micro-GPS chip and a bluetooth interface.
  • At least one portable electronic system comprises a GPS receiver with which it can transmit information (if) on the position of the vehicle (v) and / or information (if) combined with the position of the vehicle (v), said information (if) being of a raw nature and / or of an aggregated nature and calculated on the basis of a map of the road network.
  • a third variant of the device according to the invention comprises:
  • At least one portable electronic system consisting of a PND (personal navigation device), said PND recording on an on-board memory and transmitting to a remote computer server (sid) if it has a GSM modem, raw and / or aggregated (if) information,
  • At least one electronic system consisting of a base intended to receive said PND or an electronic insurance label, said base or said label incorporating at least one battery, an accelerometer and / or a microphone GPS chip communicating with said PND with a wired link or bluetooth interface.
  • the electronic system (selv) of said device comprises:
  • OBD interface vehicle diagnostic interface
  • a microcomputer for calculating an indicator (icd l) corresponding to the total duration of the movements of the vehicle (v) and / or to the total number of kilometers traveled in a given period
  • a radiofrequency and / or wired interface making it possible to communicate with at least one portable electronic system (sep) and to carry out its (their) authentication. Thanks to these arrangements, it becomes possible for the device (selv) to feed through this interface, to calculate displacement indicators relating to the mileage traveled and to transfer to the portable electronic system (sep) information (if). available on the OBD interface (by means of the CAN bus "Control Area Network” for example that can be translated into French by "network of controllers") such as the value of the lambda probes, the pedal position of acceleration, etc. to index the insurance premium according to the pollution rate generated.
  • the electronic system (selv) of the device according to the invention comprises a means of detecting that the said electronic system (selv) has has been moved after being installed for the first time and / or a means of detecting that the electronic system (selv) has been installed in the vehicle after being initialized. Thanks to these provisions, the information (if) recorded and transmitted by the portable electronic system (sep) are guaranteed and relate exclusively to the use of the vehicle (v) on which the electronic system (selv) has been installed. In particular, this provision allows insurers to manage the installation of the electronic system (selv) according to two different approaches.
  • the first approach is intended for insurers who want to control the installation of the electronic system (selv) themselves by asking the motorist to go to a nearest agency or an authorized center.
  • the control of the installation being carried out upstream, if the electronic system (selv) is moved, the insurer is automatically notified.
  • the means for detecting that the electronic system (selv) of the device according to the invention has been moved after having been installed a first time comprises:
  • a double-sided security adhesive (as) one of whose two faces is glued to the electronic system (selv) and the other on the vehicle (v), a conductive material (me) connected to the computer of the electronic system (selv) located inside said adhesive or between the face of said adhesive bonded to the electronic system (selv) and said electronic system (selv), a portion of said conductive material (me) being ruptible in case of attempted tearing double-sided tape and,
  • the electronic system (selv) can be installed very easily. In particular, it becomes impossible to separate the electronic system (selv) from vehicle (v) without the insurer being notified of the transaction.
  • the means of detecting that the electronic system (selv) has been moved after having been installed a first time and / or that the said electronic system (selv) has been installed in the vehicle after have been initialized uses a method of characterization and classification of the signals provided by the accelerometer.
  • the electronic system (selv) can differentiate, based on an analysis and a processing of the signals supplied by its accelerometer, the high frequency or oscillatory vibratory signals characteristic of the displacement and the use of a vehicle of any other signal suggesting that the electronic system (selv) was moved manually by an individual and installed only following an accident.
  • the means of detecting that the electronic system (selv) has been installed in the vehicle after having been initialized consists of:
  • the electronic system (selv) can detect any new installation in the case where, for example, the electronic system (selv) is provided with an adhesive base and requires that a certain pressure is exerted to carry out his installation.
  • FIG. 1 represents, in a schematic way, the complete electronic device composed of the two electronic systems (sep) and (selv) in their environment of use,
  • FIG. 2 represents, schematically, an electronic system (selv) according to a preferred embodiment
  • FIG. 3 represents, schematically, an electronic system (selv) according to another embodiment
  • FIGS. 4A and 4B show a flowchart describing the internal operation of the electronic system (selv),
  • FIG. 5 schematically represents a system making it possible to detect that the electronic system (selv) has been installed after having been initialized
  • FIG. 6 represents an electronic system (selv) fixed on the dashboard of the vehicle measuring the 3 components of the acceleration of said vehicle;
  • FIGS. 7A, 7B, 7C and 7D represent some examples of signals; provided by the accelerator of the electronic system (selv) in the usual cases of use of the vehicle.
  • FIG. 1 shows a vehicle (v) on which is mechanically fixed an electronic system (selv) and a portable electronic system (sep) manually activatable by the driver of the vehicle (v).
  • the portable electronic system (sep) communicates on the one hand with the electronic system (selv) and on the other hand with a remote computer server (sid).
  • the portable electronic system (sep) of the present invention is a portable electronic system, removable from the vehicle (v), can operate autonomously battery or via a connection to the vehicle power (v).
  • the portable electronic system (sep) consists of a portable electronic system "general public" such as a mobile phone, a smartphone (mobile phone coupled with a computer of pocket and possibly with a GPS receiver) or a PND (browser
  • the said portable electronic system includes specific software for recording and transmitting at least one of the following information (if) given for information and not limitation:
  • the software includes a pricing algorithm.
  • the electronic system (selv) is a system mechanically linked to the vehicle which can not be dismantled without deterioration or without the insurer being automatically informed.
  • the electronic system (selv) has a means of detecting that the vehicle (v) is moving and an interface for communicating with the portable device (sep), preferably of the bluetooth type to be able to communicate with electronic systems portable (sep) "general public" such as mobile phones, smartphones or PNDs (personal GPS navigator).
  • the remote computer server (sid) is used to store the information transmitted from the portable electronic system (sep).
  • the primary interest of the present invention is to be able to use a "consumer" portable (“sep”) electronic system (or a specific portable product produced at low cost) in a tailored insurance pricing offer while ensuring the nature of the transmitted data.
  • portable electronic devices such as mobile phones or smartphones
  • mp3 player, camera, etc. .. portable electronic devices
  • a custom insurance pricing which, according to a first mode of operation, consists in transferring information (if) throughout the movement of the vehicle (v), the portable electronic device (sep) must, before transmitting data, authenticate with the electronic system (selv).
  • this authentication can be performed once (before starting, during the displacement or just after the stop) but that it is preferable to carry out this operation several times during the displacement (at regular or random period) for guarantee perfect integrity of the transmitted data.
  • the portable electronic device calculates, in the case where it succeeds to authenticate with the electronic system (selv) during the movement of the vehicle (v), the time (or distance traveled) during which the software (Ig) pricing was activated.
  • This cumulative time (or distance) over a selected period is compared with the total travel time (or distance) of the vehicle (v) calculated by the electronic system (selv) on the same chosen period.
  • This information is transmitted by the portable electronic system (sep) to the remote computer server (sid), in a raw form or in the form of a rate allowing the insurer to evaluate in what proportion, in relation to the whole trips made over the chosen period, the driver used the software (Ig) pricing.
  • FIG. 2 shows an electronic system (selv) mechanically connected to the vehicle (v) according to the principle of the invention, incorporated in a housing (200), and comprising an electronic computer (201), a means of detecting that the vehicle is in motion (202), a wired or radio frequency interface (203) for communicating with the portable electronic system (sep), means (204) for detecting that the housing (200) has been moved after being installed a first time and / or to detect that the housing (200) has been installed after being initialized, a battery or rechargeable battery (205) and means for activating the system (206).
  • an electronic system (selv) mechanically connected to the vehicle (v) according to the principle of the invention, incorporated in a housing (200), and comprising an electronic computer (201), a means of detecting that the vehicle is in motion (202), a wired or radio frequency interface (203) for communicating with the portable electronic system (sep), means (204) for detecting that the housing (200) has been moved after being installed a first time and /
  • the latter can take the form of an integrated electronic tag and powered by a battery or a rechargeable battery (205).
  • the means for detecting that the vehicle is traveling (202) is composed of a MEMS type accelerometer (Micro Electro Mechanical System) for detecting the vibrations and accelerations of the vehicle when it moves.
  • MEMS type accelerometer Micro Electro Mechanical System
  • the electronic calculator (201) is a low power calculator used to calculate, from the information provided by the means for detecting that the vehicle is in motion (202), the total duration of the accumulated vehicle's trips over a chosen period.
  • the electronic computer (201) also incorporates an internal memory making it possible to store at least one of the elements taken from the group formed by: the identifier of the electronic system (selv) and the portable electronic system (sep),
  • This information can be used by an insurer to allow him, on the one hand, to index the premium of his client based on the rate of use (you) and the number of trips for which the motorist would have forgotten or very little activated the charging service on his mobile phone and secondly, to determine in the event of a disaster, if the case (200) was present in the vehicle before the accident.
  • This information can also be used by a motorist who has lost his portable electronic system (sep) and would like to retrieve on his new portable electronic system (sep), all the information (if) previously calculated by his old portable electronic system (sep) .
  • this information is accessible using the bluetooth interface by means of a specific code. It is observed that this memory is also used by the electronic computer (201) to record the date and time of the system in the event of a fall in the rechargeable battery voltage (205). By this means, an insurer can be warned if the label has not worked properly for a defined period.
  • the interface (203) is constituted in a preferred embodiment of a radio frequency interface bluetooth type for dialogue with a large number of portable electronic systems (sep). It is observed that to reduce consumption of the label, the interface (203) can be activated (continuously or periodically) only when the vehicle is traveling.
  • the means (204) making it possible to detect that the box (200) has been installed in the vehicle after being initialized consists, in a preferred version of this first embodiment, of microswitches for detecting and counting the number. pressures exerted on said adhesive housing (200).
  • a rupturable conductive material incorporated for example into the housing adhesive (200) can be used to detect that the housing (200) has been disassembled after being installed.
  • the battery (205) is composed of a battery or a rechargeable battery with high capacity and low self-discharge rate, said rechargeable battery having an interface for connecting it to a permanent power supply of the vehicle or to a external charger.
  • the latter may include photovoltaic cells to compensate for the phenomenon of self-discharge or even recharge the battery (205) during the movement of the vehicle
  • the means for activating the system (206) is composed of a user-activated micro contact.
  • FIG. 3 shows an electronic system mechanically linked to the vehicle according to a third embodiment, composed of a housing (300), an electronic computer (301), a wired or radio frequency interface (302) communicating with the portable electronic system (sep), an OBD vehicle diagnostic interface (303) and a battery (304).
  • the housing (300) is a housing having a connector adapted to connect to the OBD interface (303).
  • the power supply of the housing (300) is provided through the OBD connector (303) which has on one of these pins the battery voltage of the vehicle. In particular, after the installation of the housing (300), this voltage can be continuously monitored by the electronic computer (301) to verify that the housing
  • the electronic calculator (301) is also used:
  • VIN code Vehicle Identification Number
  • the communication interface (302) is preferentially bluetooth type to minimize the connection and do not interfere with the driving of the motorist. It is observed that in the case of a general breakdown of the vehicle power supply, the battery (304) takes over and allows the electronic calculator (301) recorder date, time and duration of the battery break .
  • FIGS 4A and 4B show a flowchart describing the internal operation of the electronic device (selv).
  • the electronic system (selv) is, at the factory, in a standby mode shown in step (400). If in a step (410), the user activates the electronic system (selv) by pressing, for example, on a micro contact, then the electronic system (selv) goes to step (420). In the opposite case, the electronic system (selv) returns to step (400), in standby mode to minimize its energy consumption.
  • step (420) the electronic system (selv) seeks to come into contact, via the bluetooth interface, with a portable electronic system (sep). If in step (430), a portable electronic system (sep) is detected in a given time interval and if it has the appropriate software then the electronic system (selv) goes to step (440), otherwise it returns to standby mode in step (400).
  • the electronic system (SELV) and the portable electronic system (September) s' exchange identifiers (e.g., a serial number or MAC address (access control address Media) of bluetooth circuits) to allow both electronic systems (selv) and (sep) to authenticate during operation.
  • This configuration information is then transmitted to the remote computer server (sid).
  • the portable electronic system (sep) transmits to the electronic system (selv) the time and date (retrieved from the mobile phone network or the GPS) to initialize its real-time clock.
  • the electronic system (selv) indicates to the portable electronic system (sep) that the configuration of the system has succeeded in informing the driver.
  • step (450) the complete device consisting of the electronic system (selv) and the portable electronic system (sep) is configured. It is observed in this timing chart that it is always possible to set or send specific commands to the electronic system (selv) if the vehicle is stopped. For this, in step (450), the electronic system (selv) checks whether the user wishes to perform this operation, by checking whether the micro contact has been activated again. If so, then in a step (460), the electronic system (selv) waits for commands from the portable electronic system (sep) and executes them. It is observed in step (460) that, without particular manipulations, only the commands transmitted by the portable electronic system (sep) configured in step (440) are executed.
  • step (480) the electronic system (selv) checks whether the vehicle (v) is moving. If this is not the case, the electronic system (selv) returns to step (450). If, on the other hand, the vehicle (v) is moving, the electronic system (selv) switches to step (490) and searches for the portable electronic system (sep) configured in step (440).
  • the electronic system (selv) increments a counter (cptl) and transmits it to the portable system ( Sep).
  • This counter (cptl) calculated by the electronic system (selv) allows the complete device, composed of the electronic system (selv) and the portable electronic system (sep), to calculate a "certified" indicator (tpl) representing the total time during which the software (Ig) pricing was used inside the vehicle (v), when it was moving.
  • the electronic system (selv) updates and records the date, time and duration of the current trip.
  • the electronic system (selv) also retrieves certain information (if) recorded by the portable system (such as mileage, driving hours, etc.), in order to be able to restore them, if necessary. where appropriate, to another portable electronic system (sep) in case of loss, for example, of the portable electronic system (sep) initially configured.
  • the electronic system (selv) updates its own counter time (tp2) for counting the total travel time of the vehicle (v) in a chosen period.
  • this counter (tp2) is transmitted to the portable system (sep), during the step (510), the first movement of the day for example or possibly in step (460), on specific command of a portable electronic system (sep).
  • the portable system (sep) can calculate and transmit to the remote computer server (sid), an indicator for weighting the insurance premium according to the rate of use of the pricing software (Ig) calculated with respect to the total time of movement of the vehicle.
  • step (450) and for all subsequent steps the electronic system (selv) verifies that it has not been moved and that its battery always has sufficient autonomy. If a failure is detected, the electronic system records the time and date of this failure and transmits them to the portable electronic device (sep) in steps (460) and (510).
  • FIG. 5 schematically represents a first solution for detecting that an electronic system (selv) has been installed on a vehicle after being initialized.
  • This system incorporated in a housing (600) comprising an adhesive base (601), consists of a plastic shell (602) movable resting on one (or more) pressure sensor (s) or on one (or more) microphone switch (603).
  • the driver must first glue the adhesive housing (600) in his vehicle by exerting pressure on the shell (602) until the light-emitting diode (604) controlled by the micro-switches ( 603) lights up.
  • the housing (600) records and records the number and possibly the duration of the pressures exerted on the shell (602).
  • the user can initialize the system using his mobile phone (605) as shown in Figure 4A to validate his installation.
  • the box (600) records and records the number of pressures exerted on its shell (602) (possibly having a duration greater than a given duration to filter certain involuntary manipulations), it will no longer be possible it is possible for the user to glue the casing (600) to a surface without this operation being detected by the casing (600).
  • the motorist is strongly encouraged to install the box on the right vehicle, knowing that following an accident, this operation will not be possible without the insurer being informed.
  • the case (600) can record the date and time at which the different pressures on the hull (602) took place.
  • a second solution for detecting that the electronic system (selv) has been moved after being installed a first time and / or that the electronic system (selv) has been installed in the vehicle after being initialized is based on an analysis and a processing of signals provided by the accelerometer of said electronic system (selv). Two methods based on this type of solution are described below by means of FIGS. 6, 7A, 7B, 7C and 7D.
  • FIG. 6 schematically represents an electronic system (selv) fixed on the dashboard of a vehicle (v) measuring, along 3 axes forming a three-dimensional reference, the different accelerations applied to it.
  • a negative component (701) on the z axis is measured by the said system (selv) due to the gravitational field.
  • the vector resultant (rvec) of these accelerations evolves in a reference volume (vref), illustrated for the first time. for example, by a cone in FIG.
  • This reference volume (vref) can depend on the characteristics of the vehicle (type, brand, inertia, power, etc.) and can be defined if necessary, by programming at the time of system initialization. It is also observed that this reference volume (vref) may also depend on the initial position in which the device (selv) was installed and consequently be calculated, on initialization, by the system (selv) itself.
  • the computer of the electronic system analyzes continuously or periodically (to save the batteries) all accelerations (longitudinal, transverse, etc.) undergone by the said electronic system (selv). If, in a first variant of this second solution, the resultant (rvec) does not evolve in the reference volume (vref), the system deduces that an abnormal operation has occurred and that the device may have been uninstalled. This is, for example the case in Figure 6, when by uninstalling the system the user exerts a positive force along the z axis. In a second variant of this second solution, the computer of the electronic system (selv) analyzes the amplitude and the high frequency component of all the accelerations undergone by said electronic system (selv).
  • FIGS. 7A, 7B and 7C and 7D are illustrated by FIGS. 7A, 7B and 7C and 7D in which:
  • FIG. 7A shows the signals generated by an electronic system (selv) mounted on a vehicle in which starting and stopping cycles of the vehicle engine are carried out.
  • FIG. 7A merely shows a low-amplitude electronic noise (900) when the vehicle is stationary and a high-frequency component (901) due to the vibrations of the engine when it is running,
  • FIG. 7B represents the signals generated by an electronic system (selv) mounted on a vehicle during a displacement.
  • a high frequency (901) component is also present in this scenario,
  • FIG. 7C shows the signals generated by an electronic system (selv) mounted on a stationary vehicle but shaking laterally manually.
  • FIG. 7C shows a component (902) associated with the medium frequency the characteristics of the shock absorbers of the vehicle,
  • FIG. 7D represents the signals generated by an electronic system (selv) transported by a user. This figure shows a dynamic component

Landscapes

  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Remote Sensing (AREA)
  • Radar, Positioning & Navigation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Traffic Control Systems (AREA)

Abstract

The invention relates to a method and to a device that use a portable electronic system, such as a mobile telephone or GPS receiver or personal navigation device (PND), and an electronic insurance label attached onto the vehicle. The assembly ensures that the information transmitted by the portable electronic system definitely relates to the vehicle onto which the electronic label has been attached, and provides the insurer with an indicator for modulating the premium based on the time period during which the driver has voluntarily activated the rating software.

Description

Procédé et dispositif d'authentification de données transmises relatives à l'usage d'un véhicule et/ou au comportement de son conducteur Method and device for authenticating transmitted data relating to the use of a vehicle and / or the behavior of its driver
La présente invention se rapporte à un procédé et un dispositif permettant de calculer une prime d'assurance personnalisée en fonction de l'usage d'un véhicule et/ou du comportement de son conducteur en utilisant un système électronique portatif et amovible communiquant avec une étiquette d'assurance électronique fixée mécaniquement sur le dit véhicule.The present invention relates to a method and a device for calculating a personalized insurance premium according to the use of a vehicle and / or the behavior of its driver by using a portable and removable electronic system communicating with a label. electronic insurance mechanically fixed on said vehicle.
Dans la présente demande de brevet, on appelle véhicule (v) tout type de véhicule dont la conduite est assujettie à un contrat d'assurance. On appelle système électronique portatif (sep), tout système électronique non solidaire du véhicule et pouvant être extrait facilement du dit véhicule. On appelle étiquette, tout dispositif électronique permettant de communiquer avec au moins un système électronique portatif.In the present patent application, vehicle (v) is defined as any type of vehicle whose conduct is subject to an insurance contract. A portable electronic system (sep) is any electronic system that is not secured to the vehicle and can be easily extracted from said vehicle. A label is any electronic device that communicates with at least one portable electronic system.
Le développement des dispositifs télématiques destinés au marché de l'assurance se heurte aujourd'hui à au moins 2 problèmes, l'un éthique et l'autre économique. D'un point de vue éthique, si les automobilistes sont intéressés pour réduire leur prime d'assurance automobile, beaucoup n'acceptent pas d'être surveillés en permanence au moyen d'un enregistreur GPS qui permet de retracer avec précision tous leurs déplacements. En France notamment, certains de ces dispositifs, par le fait d'être activé en permanence sans que le conducteur ait la possibilité de désactiver le système, ont été interdits car jugés incompatibles avec le respect des libertés individuelles. D'un point de vue économique, le faible niveau des primes d'assurance comparé au coût élevé de ces enregistreurs et de leur installation, ne permet pas aux assureurs de proposer une offre réellement rentable pour une large clientèle. La présente invention a pour but de remédier à ces deux problèmes en proposant un procédé de calcul de prime d'assurance sur mesure en utilisant, non pas un système télématique de type « boite noire » fixé mécaniquement au véhicule mais un système électronique portatif (sep) « grand public » (tels qu'un téléphone mobile, un Smartphone (téléphone mobile couplé à un ordinateur de poche), un PND (navigateur GPS personnel) ou tout système électronique portatif produits aujourd'hui à faible coût) communiquant avec une étiquette d'assurance électronique. En particulier, le procédé décrit dans ce brevet permet à son utilisateur d'utiliser ou d'activer à sa convenance un service de tarification sur mesure au moyen de son téléphone mobile et de bénéficier d'une réduction de prime en fonction du taux d'utilisation du dit service à l'intérieur du véhicule.The development of telematics devices for the insurance market today faces at least two problems, one ethical and the other economic. From an ethical point of view, if motorists are interested in reducing their car insurance premium, many do not want to be constantly monitored by means of a GPS recorder that allows accurate tracking of all their movements. In France in particular, some of these devices, by being permanently activated without the driver having the opportunity to disable the system, were banned because found incompatible with respect for individual freedoms. From an economic point of view, the low level of insurance premiums compared to the high cost of these recorders and their installation, does not allow insurers to offer a truly profitable offer for a large clientele. The present invention aims to remedy these two problems by proposing a custom insurance premium calculation method using, not a "black box" type telematic system mechanically fixed to the vehicle but a portable electronic system (sep ) "General public" (such as a mobile phone, a smartphone (mobile phone coupled to a handheld), a PND (personal GPS navigator) or any portable electronic system now produced at a low cost) communicating with a label electronic insurance. In particular, the method described in this patent allows the user to use or activate at his convenience a custom pricing service by means of his mobile phone and to benefit from a premium reduction according to the utilization rate of said service inside the vehicle.
A cet effet, la présente invention a pour premier objet un procédé permettant d'authentifier des données transmises relatives à l'usage d'un véhicule et/ou au comportement de son conducteur, Ie dit procédé mettant en oeuvre au moins deux ensembles de systèmes électroniques dont :For this purpose, the present invention firstly relates to a method for authenticating transmitted data relating to the use of a vehicle and / or the behavior of its driver, said method implementing at least two sets of systems electronic ones including:
• le premier ensemble est composé d'au moins un système électronique portatif (sep) comportant un logiciel (Ig) activable et/ou désactivable par son utilisateur et au moins un capteur fournissant des données permettant au logiciel (Ig) de calculer et/ou d'enregistrer et de transmettre vers un serveur informatique distant (sid) des informations (if) brutes ou agrégées liées à l'usage du véhicule (v) et/ou au comportement de son conducteur,The first set is composed of at least one portable electronic system (sep) comprising a software (Ig) that can be activated and / or deactivated by its user and at least one sensor providing data enabling the software (Ig) to calculate and / or to record and transmit to a remote computer server (sid) raw or aggregated information (if) related to the use of the vehicle (v) and / or the behavior of its driver,
• le deuxième ensemble est composé d'au moins un système électronique (selv) fixé mécaniquement au véhicule (v) permettant de communiquer avec au moins un système électronique portatif (sep), caractérisé par le fait que :The second assembly is composed of at least one electronic system (selv) mechanically fixed to the vehicle (v) making it possible to communicate with at least one portable electronic system (sep), characterized in that:
- au moins un système électronique (selv) dispose d'un moyen de détecter que le véhicule est en déplacement et au moins un système électronique (selv) dispose d'un moyen d'authentifier, au moins lorsque le véhicule circule, au moins un système électronique portatif (sep) lorsque celui-ci est utilisé à l'intérieur ou à proximité du véhicule (v) et que,- at least one electronic system (SELV) has a means of detecting that the vehicle is in motion and at least one electronic system (SELV) has a means of authenticating, at least when the vehicle is traveling, at least one portable electronic system (sep) when used in or near the vehicle (v) and,
- si, pendant un déplacement du véhicule (v), un logiciel (Ig) d'au moins un des systèmes électroniques portatifs (sep) est activé, alors le dit logiciel (Ig) ne calcule et/ou n'enregistre et ne transfère et/ou ne considère comme valide que les informations (if) à partir du moment où le système électronique portatif (sep) sur lequel s'exécute le dit logiciel (Ig) réussit à s'authentifier auprès d'au moins un système électronique (selv) pendant le déplacement du véhicule (v) ou pendant une période choisie précédent ou suivant le déplacement du véhicule (v).- if, during a movement of the vehicle (v), a software (Ig) of at least one of the portable electronic systems (sep) is activated, then the said software (Ig) does not calculate and / or records and transfers and / or considers valid only the information (if) from the moment when the portable electronic system (sep) on which the said software (Ig) executes succeeds in authenticating with at least one electronic system ( selv) during the movement of the vehicle (v) or during a selected period preceding or following the movement of the vehicle (v).
Grâce à ces dispositions, les systèmes électroniques portatifs (sep) qui enregistrent et transmettent en continu ou de manière périodique des informations (if) pendant le déplacement du véhicule (v) peuvent certifier que les informations (if) transmises correspondent bien à un déplacement du véhicule(v) authentifié.Thanks to these arrangements, the portable electronic systems (sep) which record and transmit continuously or periodically information (if) during the movement of the vehicle (v) can certify that the information (if) transmitted correspond to a movement of the authenticated vehicle (v).
Selon des caractéristiques particulières, le procédé tel que ci-dessus défini se caractérise par le fait que pour l'ensemble des trajets réalisés par le véhicule (v) dans une période donnée :According to particular characteristics, the process as defined above is characterized in that for all the trips made by the vehicle (v) in a given period:
- au moins un système électronique (selv) dispose d'un moyen de calculer au moins un indicateur de déplacement cumulatif (icd l) du véhicule (v), - si un logiciel (Ig) d'au moins un des systèmes électroniques portatifs (sep) est activé pendant le déplacement du véhicule (v) et si le système électronique portatif (sep) sur lequel s'exécute le dit logiciel (Ig) réussit à s'authentifier auprès d'au moins un système électronique (selv), alors le dit logiciel (Ig) calcule au moins un indicateur de déplacement cumulatif (icd_2) de même nature que l'indicateur de déplacement (icd l),at least one electronic system (selv) has a means of calculating at least one cumulative displacement indicator (icd l) of the vehicle (v), if a software (Ig) of at least one of the portable electronic systems ( sep) is activated during the movement of the vehicle (v) and if the portable electronic system (sep) on which the said software (Ig) runs successfully to authenticate with at least one electronic system (selv), then said software (Ig) calculates at least one cumulative displacement indicator (icd_2) of the same nature as the displacement indicator (icd l),
- les deux indicateurs (icd_l ) et (icd_2), sont utilisés par au moins un couple de systèmes électroniques (sep) et (selv) pour calculer un taux d'utilisation (tu) permettant d'évaluer, par rapport au cumul total de l'indicateur (icdl) sur la période donnée, dans quelle proportion le logiciel (Ig) a été utilisé à l'intérieur du véhicule (v) pendant que celui-ci était en déplacement,- the two indicators (icd_l) and (icd_2), are used by at least one pair of electronic systems (sep) and (selv) to calculate a utilization rate (tu) allowing to evaluate, with respect to the total cumulation of the indicator (icdl) over the given period, in what proportion the software (Ig) was used inside the vehicle (v) while it was traveling,
- le taux d'utilisation (tu) est transmis au serveur informatique (sid) avec les informations (if) et permet de pondérer les dites informations (if) et/ou la prime d'assurance en fonction du dit taux d'utilisation (tu).- the utilization rate (tu) is transmitted to the computer server (sid) with the information (if) and makes it possible to weight the said information (if) and / or the insurance premium according to the said utilization rate ( you).
Grâce à ces dispositions, il est possible d'utiliser des systèmes électroniques portatifs (sep) qui enregistrent des informations (if) et qui ne les transmettent que tous les mois par exemple; le dit procédé permettant non seulement d'authentifier les données transmises mais également d'évaluer dans quelle proportion, par rapport à l'ensemble des déplacements réalisés par le véhicule, le système électronique portatif (sep) a été utilisé.Thanks to these provisions, it is possible to use portable electronic systems (sep) which record information (if) and which transmit them only every month for example; the said method not only to authenticate the transmitted data but also to assess in what proportion, with respect to all movements made by the vehicle, the portable electronic system (sep) was used.
La présente invention a pour deuxième objet un dispositif permettant la mise en œuvre du procédé qui constitue le premier objet de l'invention et qui a été ci-dessus défini, le système électronique (selv) mis en œuvre dans le dit procédé étant caractérisé par le fait qu'il comporte :The second subject of the present invention is a device for carrying out the method which constitutes the first subject of the invention and which has been defined above, the electronic system (selv) implemented in the said process being characterized by the fact that it includes:
- un moyen de détecter que le véhicule est en train de se déplacer,a means of detecting that the vehicle is moving,
- un moyen de communiquer avec au moins un système électronique portatif (sep), - un moyen de procéder à l'authentification d'au moins un système électronique portatif (sep).means for communicating with at least one portable electronic system (sep); means for performing authentication of at least one portable electronic system (sep).
Grâce à ces dispositions, le système électronique (selv) est autonome pour détecter le déplacement du véhicule (v), ce qui permet d'utiliser un système électronique portatif (sep) disposant d'une pluralité d'applications utilisables ailleurs que dans le véhicule (v). Selon une caractéristique particulière, le système électronique (selv) du dispositif selon l'invention, comporte un moyen de calculer au moins un indicateur cumulatif de déplacement (icd_l) pour l'ensemble des déplacements réalisés par le véhicule (v) dans une période donnée.Thanks to these provisions, the electronic system (selv) is autonomous to detect the movement of the vehicle (v), which makes it possible to use a portable electronic system (Sep) having a plurality of applications usable elsewhere than in the vehicle (v). According to a particular characteristic, the electronic system (selv) of the device according to the invention comprises means for calculating at least one cumulative displacement indicator (icd_l) for all the movements made by the vehicle (v) in a given period .
Grâce à cette disposition, le dispositif électronique (selv) est adapté à quantifier les déplacements du véhicule (v), que l'on utilise ou pas le dispositif portatif (sep) dans le véhicule (v) lorsque celui-ci se déplace.With this arrangement, the electronic device (selv) is adapted to quantify the movements of the vehicle (v), whether or not the portable device (sep) is used in the vehicle (v) when it moves.
Selon une autre caractéristique particulière, le système électronique portatif (sep) et le système électronique (selv) du dispositif selon l'invention comportent un moyen de calculer des indicateurs de déplacement cumulatifs (icd_l) et (icd_2) correspondant au temps.According to another particular characteristic, the portable electronic system (sep) and the electronic system (selv) of the device according to the invention comprise a means of calculating cumulative displacement indicators (icd_l) and (icd_2) corresponding to the time.
Grâce à cette disposition, il est possible d'évaluer dans quelle proportion par rapport au temps total de déplacement du véhicule(v) dans une période choisie, le dispositif portatif (sep) a été utilisé à l'intérieur du véhicule pendant que ce dernier était en déplacement.Thanks to this arrangement, it is possible to evaluate in what proportion relative to the total time of movement of the vehicle (v) in a chosen period, the portable device (sep) was used inside the vehicle while the latter was traveling.
Selon une autre caractéristique particulière, le système électronique portatif (sep) et le système électronique (selv) du dispositif selon l'invention comportent un moyen de calculer des indicateurs de déplacement cumulatifs (icd l) et (icd_2) correspondant au nombre de kilomètres parcourus. Grâce à cette disposition, il est possible d'évaluer dans quelle proportion, par rapport à la distance totale parcourue par le véhicule(v) dans une période choisie, le dispositif portatifAccording to another particular characteristic, the portable electronic system (sep) and the electronic system (selv) of the device according to the invention comprise a means of calculating cumulative displacement indicators (icd l) and (icd_2) corresponding to the number of kilometers traveled. . With this arrangement, it is possible to estimate in what proportion, relative to the total distance traveled by the vehicle (v) in a chosen period, the portable device
(sep) a été utilisé à l'intérieur du véhicule pendant que ce dernier était en déplacement.(sep) was used inside the vehicle while the vehicle was traveling.
Selon d'autres caractéristiques particulières, le système électronique (selv) du dispositif selon l'invention, comporte : - un accéléromètre et/ou une micro puce GPS et/ou une connexion à l'alimentation du véhicule (v) pour détecter que le dit véhicule (v) est en train de se déplacer,According to other particular features, the electronic system (selv) of the device according to the invention comprises: - an accelerometer and / or a micro-GPS chip and / or a connection to the power supply of the vehicle (v) to detect that the says vehicle (v) is moving,
- un microcalculateur faible consommation permettant de calculer un indicateur (icd_l ) correspondant à la durée totale de déplacement du véhicule (v) dans une période donnée, - une interface radiofréquence et/ou filaire permettant de communiquer de manière bidirectionnelle avec au moins un système électronique portatif (sep) et de procéder à son (à leur) authentification,a low-power microcomputer for calculating an indicator (icd_l) corresponding to the total duration of movement of the vehicle (v) in a given period of time; and a radiofrequency and / or wired interface making it possible to communicate bidirectionally with at least one electronic system portable (sep) and proceed to his (their) authentication,
- une batterie embarquée. Grâce à ces dispositions, le système électronique (selv) peut être miniaturisé au maximum voire être intégré dans une étiquette électronique intelligente permettant d'authentifier un système électronique portatif (sep), de détecter un déplacement et d'en calculer la durée. Selon d'autres caractéristiques particulières, une première variante du dispositif selon l'invention comporte :- an onboard battery. Thanks to these provisions, the electronic system (selv) can be miniaturized to the maximum or even be integrated in an intelligent electronic tag for authenticating a portable electronic system (sep), detect a displacement and calculate the duration. According to other particular features, a first variant of the device according to the invention comprises:
- au moins un système électronique portatif (sep) constitué d'un téléphone mobile grand public incorporant un calculateur embarqué, une interface bluetooth, le dit téléphone mobile transmettant des informations (if) brutes tout au long de chaque déplacement et/ou des informations (if) agrégées à période régulière,at least one portable electronic system (sep) consisting of a consumer mobile phone incorporating an on-board computer, a bluetooth interface, said mobile phone transmitting raw information (if) throughout each movement and / or information ( if) aggregated on a regular basis,
- au moins un système électronique (selv) constitué d'une étiquette électronique d'assurance incorporant au moins une batterie, un accéléromètre et/ou une micro puce GPS et une interface bluetooth.at least one electronic system (selv) consisting of an electronic insurance label incorporating at least one battery, an accelerometer and / or a micro-GPS chip and a bluetooth interface.
Grâce à ces dispositions, il devient possible de proposer une offre d'assurance sur mesure à moindre coût, en intégrant dans un téléphone mobile grand public une application logicielle (Ig) spécifique, la dite application logicielle (Ig), couplée avec une étiquette électronique intelligente permet d'indexer les informations (if) enregistrées et transmises et la prime d'assurance en fonction du taux d'utilisation de la dite application logicielle (Ig) à l'intérieur du véhicule (v). Selon une caractéristique particulière d'une seconde variante du dispositif selon l'invention, au moins un système électronique portatif (sep) comporte un récepteur GPS avec lequel il peut transmettre des informations (if) sur la position du véhicule (v) et/ou des informations (if) combinées avec la position du véhicule (v), les dites informations (if) pouvant être de nature brute et/ou de nature agrégée et calculées en s'appuyant sur une cartographie du réseau routier.Thanks to these provisions, it becomes possible to offer a bespoke insurance offer at a lower cost by integrating into a consumer mobile phone a specific software application (Ig), the so-called software application (Ig), coupled with an electronic tag intelligent indexing the information (if) recorded and transmitted and the insurance premium according to the rate of use of the said software application (Ig) inside the vehicle (v). According to a particular characteristic of a second variant of the device according to the invention, at least one portable electronic system (sep) comprises a GPS receiver with which it can transmit information (if) on the position of the vehicle (v) and / or information (if) combined with the position of the vehicle (v), said information (if) being of a raw nature and / or of an aggregated nature and calculated on the basis of a map of the road network.
Grâce à cette disposition, il devient possible, en utilisant un téléphone mobile GPS grand public et/ou un Smartphone GPS (téléphone mobile incluant un ordinateur de poche) de compléter les informations (if) fournies par un simple téléphone mobile avec des informations (if) telles que la vitesse, l'accélération, le freinage, le kilométrage, et le type de route en utilisant ou en téléchargeant en temps réel une base cartographique du réseau routier.With this arrangement, it becomes possible, using a consumer GPS mobile phone and / or a GPS smartphone (mobile phone including a handheld) to supplement the information (if) provided by a simple mobile phone with information (if ) such as speed, acceleration, braking, mileage, and road type by using or downloading in real time a road map database.
Selon des caractéristiques particulières, une troisième variante du dispositif selon l'invention comporte :According to particular features, a third variant of the device according to the invention comprises:
- au moins un système électronique portatif (sep) constitué d'un PND (dispositif de navigation personnel), le dit PND enregistrant sur une mémoire embarquée et transmettant vers un serveur informatique distant (sid) s'il dispose d'un modem GSM, des informations (if) brutes et/ou agrégées,at least one portable electronic system (sep) consisting of a PND (personal navigation device), said PND recording on an on-board memory and transmitting to a remote computer server (sid) if it has a GSM modem, raw and / or aggregated (if) information,
- au moins un système électronique (selv) constitué d'un socle destiné à recevoir le dit PND ou d'une étiquette électronique d'assurance, le dit socle ou la dite étiquette incorporant au moins une batterie, un accéléromètre et/ou une micro puce GPS communiquant avec le dit PND avec une liaison filaire ou une interface bluetooth.at least one electronic system (selv) consisting of a base intended to receive said PND or an electronic insurance label, said base or said label incorporating at least one battery, an accelerometer and / or a microphone GPS chip communicating with said PND with a wired link or bluetooth interface.
Grâce à ces dispositions, il devient possible de proposer une offre d'assurance sur mesure en utilisant un PND portatif (navigateur GPS personnel) grand public couplé à une étiquette électronique ou relié simplement à son socle pour enregistrer et transmettre toutes les informations (if) décrites précédemment tout en bénéficiant des services déjà présents sur ce type de dispositifs.Thanks to these provisions, it becomes possible to offer a tailor-made insurance offer using a portable consumer PND (personal GPS navigator) coupled to an electronic tag or simply connected to its base to record and transmit all information (if) previously described while benefiting from the services already present on this type of devices.
Selon des caractéristiques particulières d'une quatrième variante du dispositif selon l'invention, le système électronique (selv) du dit dispositif comporte :According to particular features of a fourth variant of the device according to the invention, the electronic system (selv) of said device comprises:
- une connexion à une interface OBD (interface diagnostique véhicule),- a connection to an OBD interface (vehicle diagnostic interface),
- un microcalculateur permettant de calculer un indicateur (icd l) correspondant à la durée totale des déplacements du véhicule (v) et/ou au nombre total de kilomètres parcourus dans une période donnée,a microcomputer for calculating an indicator (icd l) corresponding to the total duration of the movements of the vehicle (v) and / or to the total number of kilometers traveled in a given period,
- une interface radiofréquence et/ou filaire permettant de communiquer avec au moins un système électronique portatif (sep) et de procéder à son (à leur) authentification. Grâce à ces dispositions, il devient alors possible au dispositif (selv) de s'alimenter par le biais de cette interface, de calculer des indicateurs de déplacement relatifs au kilométrage parcouru et de transférer au système électronique portatif (sep) des informations (if) complémentaires disponibles sur l'interface OBD (au moyen du bus CAN « Control Area Network » par exemple que l'on peut traduire en français par « réseau de contrôleurs ») telles que la valeur des sondes lambda, Ia position de la pédale d'accélération, etc .. pour indexer la prime d'assurance en fonction du taux de pollution généré.a radiofrequency and / or wired interface making it possible to communicate with at least one portable electronic system (sep) and to carry out its (their) authentication. Thanks to these arrangements, it becomes possible for the device (selv) to feed through this interface, to calculate displacement indicators relating to the mileage traveled and to transfer to the portable electronic system (sep) information (if). available on the OBD interface (by means of the CAN bus "Control Area Network" for example that can be translated into French by "network of controllers") such as the value of the lambda probes, the pedal position of acceleration, etc. to index the insurance premium according to the pollution rate generated.
Selon une caractéristique particulière, le système électronique (selv) du dispositif selon l'invention comporte un moyen de détecter que le dit système électronique (selv) a été déplacé après avoir été installé une première fois et/ou un moyen de détecter que le système électronique (selv) a été installé dans le véhicule après avoir été initialisé. Grâce à ces dispositions, les informations (if) enregistrées et transmises par le système électronique portatif (sep) sont garanties et concernent exclusivement l'usage du véhicule (v) sur lequel le système électronique (selv) a été installé. En particulier, cette disposition permet aux assureurs de gérer l'installation du système électronique (selv) selon deux approches différentes.According to a particular characteristic, the electronic system (selv) of the device according to the invention comprises a means of detecting that the said electronic system (selv) has has been moved after being installed for the first time and / or a means of detecting that the electronic system (selv) has been installed in the vehicle after being initialized. Thanks to these provisions, the information (if) recorded and transmitted by the portable electronic system (sep) are guaranteed and relate exclusively to the use of the vehicle (v) on which the electronic system (selv) has been installed. In particular, this provision allows insurers to manage the installation of the electronic system (selv) according to two different approaches.
La première approche est destinée aux assureurs qui souhaitent contrôler l'installation du système électronique (selv) eux-même en demandant à l'automobiliste de se rendre dans une agence la plus proche ou dans un centre agréé. Le contrôle de l'installation étant réalisé en amont, si le système électronique (selv) est déplacé, l'assureur en est automatiquement averti.The first approach is intended for insurers who want to control the installation of the electronic system (selv) themselves by asking the motorist to go to a nearest agency or an authorized center. The control of the installation being carried out upstream, if the electronic system (selv) is moved, the insurer is automatically notified.
La deuxième approche est destinée aux assureurs qui souhaitent réaliser une vente de leur produit à distance (par internet par exemple) sans obliger les automobilistes à se déplacer dans une agence d'assurance ou dans un centre agréé. Le contrôle de l'installation pourra être réalisé cette fois-ci en aval (à la suite d'un d'accident par exemple) sachant que, si un automobiliste malveillant a procédé à l'installation et à l'initialisation du système électronique (selv) sans le fixer sur son véhicule, il lui sera alors impossible de le réinstaller une deuxième fois sans que son assureur en soit informé. Selon d'autres caractéristiques particulières, le moyen de détecter que le système électronique (selv) du dispositif selon l'invention a été déplacé après avoir été installé une première fois, comporte :The second approach is intended for insurers who wish to sell their product remotely (for example via the internet) without obliging motorists to move to an insurance agency or an authorized center. The control of the installation can be done this time downstream (following an accident for example) knowing that, if a malicious motorist has proceeded to the installation and initialization of the electronic system ( selv) without fixing it on his vehicle, it will then be impossible for him to reinstall it a second time without his insurer being informed. According to other particular features, the means for detecting that the electronic system (selv) of the device according to the invention has been moved after having been installed a first time, comprises:
- un adhésif double face sécurisé (as) dont l'une des deux faces est collée au système électronique (selv) et l'autre sur le véhicule (v), un matériau conducteur (me) relié au calculateur du système électronique (selv) se trouvant à l'intérieur du dit adhésif ou entre la face du dit adhésif collée au système électronique (selv) et le dit système électronique (selv), une partie du dit matériau conducteur (me) étant ruptible en cas de tentative d'arrachement de l'adhésif double face et,- a double-sided security adhesive (as) one of whose two faces is glued to the electronic system (selv) and the other on the vehicle (v), a conductive material (me) connected to the computer of the electronic system (selv) located inside said adhesive or between the face of said adhesive bonded to the electronic system (selv) and said electronic system (selv), a portion of said conductive material (me) being ruptible in case of attempted tearing double-sided tape and,
- un moyen permettant au calculateur de détecter qu'une partie du matériau conducteur (me) a été sectionné et de communiquer cette information à au moins un système électronique portatif (sep).- A means for the computer to detect that part of the conductive material (me) was sectioned and to communicate this information to at least one portable electronic system (sep).
Grâce à ces dispositions, le système électronique (selv) peut être installé très facilement. En particulier, il devient impossible de désolidariser le système électronique (selv) du véhicule (v) sans que l'assureur ne soit prévenu de l'opération.Thanks to these provisions, the electronic system (selv) can be installed very easily. In particular, it becomes impossible to separate the electronic system (selv) from vehicle (v) without the insurer being notified of the transaction.
Selon une caractéristique particulière du dispositif selon l'invention, le moyen de détecter que le système électronique (selv) a été déplacé après avoir été installé une première fois et/ou que le dit système électronique (selv) a été installé dans le véhicule après avoir été initialisé, utilise un procédé de caractérisation et de classification des signaux fournis par Paccéléromètre.According to a particular characteristic of the device according to the invention, the means of detecting that the electronic system (selv) has been moved after having been installed a first time and / or that the said electronic system (selv) has been installed in the vehicle after have been initialized, uses a method of characterization and classification of the signals provided by the accelerometer.
Grâce à ces dispositions, le système électronique (selv) peut différencier, à partir d'une analyse et d'un traitement des signaux fournis par son accéléromètre, les signaux vibratoires hautes fréquences ou oscillatoires caractéristiques du déplacement et de l'utilisation d'un véhicule de tout autre signal laissant supposer que le système électronique (selv) à été déplacé manuellement par un individu et installé seulement à la suite d'un accident.Thanks to these arrangements, the electronic system (selv) can differentiate, based on an analysis and a processing of the signals supplied by its accelerometer, the high frequency or oscillatory vibratory signals characteristic of the displacement and the use of a vehicle of any other signal suggesting that the electronic system (selv) was moved manually by an individual and installed only following an accident.
Selon une autre caractéristique particulière du dispositif selon l'invention, le moyen de détecter que le système électronique (selv) a été installé dans le véhicule après avoir été initialisé, est constitué :According to another particular characteristic of the device according to the invention, the means of detecting that the electronic system (selv) has been installed in the vehicle after having been initialized, consists of:
- d'un (ou plusieurs) capteur(s) de pression et/ou de un (ou plusieurs) micro- interrupteur(s) permettant de détecter que le dispositif (selv) a bien été collé sur une surface et,one (or more) pressure sensor (s) and / or one (or more) microswitch (s) making it possible to detect that the device (selv) has been adhered to a surface and,
- d'un moyen de comptabiliser et d'enregistrer le nombre de fois qu'une pression a été exercée sur le dit système électronique (selv).a means of counting and recording the number of times that pressure has been exerted on said electronic system (selv).
Grâce à ces dispositions, le système électronique (selv) peut détecter toute nouvelle installation dans le cas où, par exemple, le système électronique (selv) est munis d'une base adhésive et nécessite que l'on exerce une certaine pression pour procéder à son installation. D'autres avantages, buts et caractéristiques de la présente invention ressortiront de la description qui va suivre, faite dans un but explicatif et nullement limitatif en regard des dessins annexés dans lesquels :Thanks to these provisions, the electronic system (selv) can detect any new installation in the case where, for example, the electronic system (selv) is provided with an adhesive base and requires that a certain pressure is exerted to carry out his installation. Other advantages, aims and features of the present invention will emerge from the description which follows, made for explanatory and non-limiting purposes with reference to the accompanying drawings in which:
- la figure 1 représente, de manière schématique, le dispositif électronique complet composé des deux systèmes électroniques (sep) et (selv) dans leur environnement d'utilisation,FIG. 1 represents, in a schematic way, the complete electronic device composed of the two electronic systems (sep) and (selv) in their environment of use,
- la figure 2 représente, de manière schématique, un système électronique (selv) selon un mode préférentiel de réalisation,FIG. 2 represents, schematically, an electronic system (selv) according to a preferred embodiment,
- la figure 3 représente, de manière schématique, un système électronique (selv) selon un autre mode de réalisation,FIG. 3 represents, schematically, an electronic system (selv) according to another embodiment,
- les figures 4A et 4B représentent un organigramme décrivant le fonctionnement interne du système électronique (selv),FIGS. 4A and 4B show a flowchart describing the internal operation of the electronic system (selv),
- la figure 5 représente, de manière schématique, un système permettant de détecter que le système électronique (selv) a été installé après avoir été initialisé,FIG. 5 schematically represents a system making it possible to detect that the electronic system (selv) has been installed after having been initialized,
- la figure 6 représente, un système électronique (selv) fixé sur le tableau de bord du véhicule en train de mesurer les 3 composantes de l'accélération du dit véhicule, - les figures 7A, 7B, 7C et 7D représentent quelques exemples de signaux fournis par Paccéléromètre du système électronique (selv) dans les cas usuels d'utilisation du véhicule.FIG. 6 represents an electronic system (selv) fixed on the dashboard of the vehicle measuring the 3 components of the acceleration of said vehicle; FIGS. 7A, 7B, 7C and 7D represent some examples of signals; provided by the accelerator of the electronic system (selv) in the usual cases of use of the vehicle.
On observe en figure 1 , un véhicule (v) sur lequel est fixé mécaniquement un système électronique (selv) et un système électronique portatif (sep) activable manuellement par le conducteur du véhicule (v). Le système électronique portatif (sep) communique d'une part, avec le système électronique (selv) et d'autre part, avec un serveur informatique distant (sid).FIG. 1 shows a vehicle (v) on which is mechanically fixed an electronic system (selv) and a portable electronic system (sep) manually activatable by the driver of the vehicle (v). The portable electronic system (sep) communicates on the one hand with the electronic system (selv) and on the other hand with a remote computer server (sid).
Le système électronique portatif (sep) de la présente invention est un système électronique portatif, amovible du véhicule (v), pouvant fonctionner de manière autonome sur batterie ou via une connexion à l'alimentation du véhicule (v). En particulier, selon un mode de réalisation préférentiel de la présente invention, le système électronique portatif (sep) est constitué d'un système électronique portatif « grand public » tels qu'un téléphone mobile, un Smartphone (téléphone mobile couplé avec un ordinateur de poche et éventuellement avec un récepteur GPS) ou un PND (navigateurThe portable electronic system (sep) of the present invention is a portable electronic system, removable from the vehicle (v), can operate autonomously battery or via a connection to the vehicle power (v). In particular, according to a preferred embodiment of the present invention, the portable electronic system (sep) consists of a portable electronic system "general public" such as a mobile phone, a smartphone (mobile phone coupled with a computer of pocket and possibly with a GPS receiver) or a PND (browser
GPS personnel).Personal GPS).
Pour une application destinée à une tarification d'assurance sur mesure, le dit système électronique portatif (sep) comporte un logiciel spécifique permettant d'enregistrer et de transmettre, au moins une des informations (if) suivantes données à titre indicatif et non limitatif :For an application intended for custom insurance pricing, the said portable electronic system (sep) includes specific software for recording and transmitting at least one of the following information (if) given for information and not limitation:
Les heures, les jours, les dates, les périodes et les durées des déplacements, le kilométrage parcouru, le type de routes fréquentées (calculées au moyen d'un accès à une cartographie du réseau routier), la position, la vitesse, les accélérations, les freinages du véhicule, les dites informations peuvent être transmises brutes pendant le déplacement du véhicule, à période régulière (tous les mois par exemple) sous une forme agrégée ou sous toute forme combinée,The hours, days, dates, periods and duration of trips, the kilometers traveled, the type of roads used (calculated by means of access to a map of the road network), the position, the speed, the acceleration, braking of the vehicle, said information may be transmitted gross during the movement of the vehicle, on a regular basis (every month for example) in an aggregated form or in any combination,
- des indicateurs permettant d'évaluer si des consignes liées à l'usage du véhicule (v) ou au comportement de son conducteur sont respectées (par exemple, le respect des durées de conduite, des heures de conduite, des jours de conduite, des limitations de vitesse, ...), des indicateurs comportementaux (calculés par exemple en combinant certains paramètres cinématiques et dynamiques du véhicule (v) tels que la vitesse, le freinage, et le type de routes) tels que l'agressivité au volant, l'inattention au volant, le respect des distances de sécurité,- indicators to assess whether instructions relating to the use of the vehicle (v) or to the behavior of its driver are complied with (for example, respect for driving times, driving hours, driving days, speed limits, ...), behavioral indicators (calculated for example by combining certain kinematic and dynamic vehicle parameters (v) such as speed, braking, and type of road) such as driving aggression, inattention while driving, respecting safety distances,
- ou le montant de la prime d'assurance si le logiciel comporte un algorithme de tarification.- or the amount of the insurance premium if the software includes a pricing algorithm.
Le système électronique (selv) est un système lié mécaniquement au véhicule qui ne peut être démonté sans détérioration ou sans que l'assureur en soit automatiquement informé. En particulier le système électronique (selv) dispose d'un moyen de détecter que le véhicule (v) est en déplacement et d'une interface pour communiquer avec le dispositif portatif (sep), préférentiellement de type bluetooth pour pouvoir communiquer avec des systèmes électroniques portatifs (sep) « grand public » tels que les téléphones portables, les Smartphones ou les PNDs (navigateur GPS personnel).The electronic system (selv) is a system mechanically linked to the vehicle which can not be dismantled without deterioration or without the insurer being automatically informed. In particular, the electronic system (selv) has a means of detecting that the vehicle (v) is moving and an interface for communicating with the portable device (sep), preferably of the bluetooth type to be able to communicate with electronic systems portable (sep) "general public" such as mobile phones, smartphones or PNDs (personal GPS navigator).
Le serveur informatique distant (sid) est utilisé pour stocker les informations transmises part le système électronique portatif (sep).The remote computer server (sid) is used to store the information transmitted from the portable electronic system (sep).
Le premier intérêt de la présente invention, est de pouvoir utiliser un système électronique portatif (sep) « grand public » (ou un produit portatif spécifique produit à faible coût) dans une offre de tarification d'assurance sur mesure tout en garantissant la nature des données transmises. En effet, on observe que l'intérêt majeur des dispositifs électroniques portatifs (sep) tels que les téléphones mobiles ou les Smartphones, est de disposer d'une multitude de fonctionnalités (lecteur mp3, appareil photo, etc..) utilisables ailleurs que dans le véhicule (v). Aussi pour une application destinée à une tarification d'assurance sur mesure qui, selon un premier mode de fonctionnement, consiste à transférer des informations (if) tout au long du déplacement du véhicule (v), le dispositif électronique portatif (sep) doit, avant de transmettre des données, s'authentifier auprès du système électronique (selv). On observe que cette authentification peut être réalisée une seule fois (avant de démarrer, pendant le déplacement ou juste après l'arrêt) mais qu'il est préférable de réaliser cette opération plusieurs fois au cours du déplacement (à période régulière ou aléatoire) pour garantir une intégrité parfaite des données transmises. Selon un deuxième mode de fonctionnement, qui consiste à transférer vers le serveur informatique distant (sid) des données sur des périodes beaucoup plus espacées (tous les mois par exemple), le dispositif électronique portatif (sep) calcule, dans le cas où il réussit à s'authentifier avec le système électronique (selv) pendant le déplacement du véhicule (v), le temps (ou la distance parcourue) pendant lequel (laquelle) le logiciel (Ig) de tarification a été activé. Ce temps (ou cette distance) cumulé(e) sur un période choisie (tous les mois par exemple) est comparé(e) avec le temps (ou la distance) total(e) de déplacement du véhicule (v) calculé(e) par le système électronique (selv) sur la même période choisie. Ces informations sont transmises par le système électronique portatif (sep) au serveur informatique distant (sid), sous une forme brute ou sous la forme d'un taux permettant à l'assureur d'évaluer dans quelle proportion, par rapport à l'ensemble des trajets réalisés sur la période choisie, le conducteur a utilisé le logiciel (Ig) de tarification.The primary interest of the present invention is to be able to use a "consumer" portable ("sep") electronic system (or a specific portable product produced at low cost) in a tailored insurance pricing offer while ensuring the nature of the transmitted data. Indeed, we observe that the major interest of portable electronic devices (sep) such as mobile phones or smartphones, is to have a multitude of features (mp3 player, camera, etc. ..) used elsewhere than in the vehicle (v). Also for an application for a custom insurance pricing which, according to a first mode of operation, consists in transferring information (if) throughout the movement of the vehicle (v), the portable electronic device (sep) must, before transmitting data, authenticate with the electronic system (selv). It is observed that this authentication can be performed once (before starting, during the displacement or just after the stop) but that it is preferable to carry out this operation several times during the displacement (at regular or random period) for guarantee perfect integrity of the transmitted data. According to a second mode of operation, which consists in transferring data to the remote computer server (sid) over much more distant periods (every month for example), the portable electronic device (sep) calculates, in the case where it succeeds to authenticate with the electronic system (selv) during the movement of the vehicle (v), the time (or distance traveled) during which the software (Ig) pricing was activated. This cumulative time (or distance) over a selected period (eg every month) is compared with the total travel time (or distance) of the vehicle (v) calculated by the electronic system (selv) on the same chosen period. This information is transmitted by the portable electronic system (sep) to the remote computer server (sid), in a raw form or in the form of a rate allowing the insurer to evaluate in what proportion, in relation to the whole trips made over the chosen period, the driver used the software (Ig) pricing.
On observe en figure 2, un système électronique (selv) lié mécaniquement au véhicule (v) selon le principe de l'invention, incorporé dans un boîtier (200), et comportant un calculateur électronique (201), un moyen de détecter que le véhicule est en déplacement (202), une interface (203) filaire ou radio fréquence permettant de communiquer avec le système électronique portatif (sep), un moyen (204) permettant de détecter que le boîtier (200) a été déplacé après avoir été installé une première fois et/ou permettant de détecter que le boîtier (200) a été installé après avoir été initialisé, une pile ou une batterie rechargeable (205) et un moyen d'activer le système (206).FIG. 2 shows an electronic system (selv) mechanically connected to the vehicle (v) according to the principle of the invention, incorporated in a housing (200), and comprising an electronic computer (201), a means of detecting that the vehicle is in motion (202), a wired or radio frequency interface (203) for communicating with the portable electronic system (sep), means (204) for detecting that the housing (200) has been moved after being installed a first time and / or to detect that the housing (200) has been installed after being initialized, a battery or rechargeable battery (205) and means for activating the system (206).
Selon un premier mode de réalisation, compte tenu du nombre minimum d'éléments contenus dans le boîtier (200), ce dernier peut prendre la forme d'une étiquette électronique intégrée et alimentée par une pile ou une batterie rechargeable (205). Le moyen de détecter que le véhicule est en déplacement (202) est composé d'un accéléromètre de type MEMS (Système Micro Electro Mécanique) permettant de détecter les vibrations et les accélérations du véhicule lorsque celui-ci se déplace.According to a first embodiment, given the minimum number of elements contained in the housing (200), the latter can take the form of an integrated electronic tag and powered by a battery or a rechargeable battery (205). The means for detecting that the vehicle is traveling (202) is composed of a MEMS type accelerometer (Micro Electro Mechanical System) for detecting the vibrations and accelerations of the vehicle when it moves.
Le calculateur électronique (201) est un calculateur faible consommation utilisé pour calculer, à partir des informations fournies par le moyen de détecter que le véhicule est en déplacement (202), la durée totale des déplacements du véhicule cumulée sur une période choisie. Le calculateur électronique (201) incorpore également une mémoire interne permettant de stocker au moins un des éléments pris dans le groupe formé par : - l'identifiant du système électronique (selv) et du système électronique portatif (sep),The electronic calculator (201) is a low power calculator used to calculate, from the information provided by the means for detecting that the vehicle is in motion (202), the total duration of the accumulated vehicle's trips over a chosen period. The electronic computer (201) also incorporates an internal memory making it possible to store at least one of the elements taken from the group formed by: the identifier of the electronic system (selv) and the portable electronic system (sep),
- le numéro d'appel du système électronique portatif (sep),- the number of the portable electronic system (sep),
- un statut indiquant que le système électronique (selv) a bien été installé et initialisé,- a status indicating that the electronic system (selv) has been installed and initialized,
- la durée totale des déplacements,- the total duration of the trips,
- le nombre total de trajets réalisés, - le taux d'utilisation (tu),- the total number of trips made, - the utilization rate (tu),
- une distribution statistique du taux d'utilisation par trajet,- a statistical distribution of the utilization rate per route,
- le statut courant du système électronique (selv) (installé / non installé) et le cas échéant la date et l'heure de sa désinstallation,- the current status of the electronic system (selv) (installed / not installed) and, if applicable, the date and time of its uninstallation,
- la date, l'heure de départ et d'arrivée ainsi que la durée des trajets réalisés sur une période donnée,- the date, time of departure and arrival and the duration of journeys made over a given period,
- l'ensemble des informations (if).- the set of information (if).
Ces informations peuvent être utilisées par un assureur pour lui permettre d'une part, d'indexer la prime de son client en fonction du taux d'utilisation (tu) et du nombre de trajets pour lesquels l'automobiliste aurait oublié ou très peu activé le service de tarification sur son portable et d'autre part, pour déterminer en cas de sinistre, si le boitier (200) était bien présent dans le véhicule avant l'accident. Ces informations peuvent être également utilisées par un automobiliste qui aurait perdu son système électronique portatif (sep) et qui souhaiterait récupérer sur son nouveau système électronique portatif (sep), toutes les informations (if) préalablement calculées par son ancien système électronique portatif (sep).This information can be used by an insurer to allow him, on the one hand, to index the premium of his client based on the rate of use (you) and the number of trips for which the motorist would have forgotten or very little activated the charging service on his mobile phone and secondly, to determine in the event of a disaster, if the case (200) was present in the vehicle before the accident. This information can also be used by a motorist who has lost his portable electronic system (sep) and would like to retrieve on his new portable electronic system (sep), all the information (if) previously calculated by his old portable electronic system (sep) .
En particulier, ces informations sont accessibles en utilisant l'interface bluetooth au moyen d'un code spécifique. On observe que cette mémoire est également utilisée par le calculateur électronique (201) pour enregistrer la date et l'heure du système en cas de chute de la tension batterie rechargeable (205). Par ce moyen, un assureur peut être prévenu si l'étiquette n'a pas fonctionné correctement pendant une période définie.In particular, this information is accessible using the bluetooth interface by means of a specific code. It is observed that this memory is also used by the electronic computer (201) to record the date and time of the system in the event of a fall in the rechargeable battery voltage (205). By this means, an insurer can be warned if the label has not worked properly for a defined period.
L'interface (203) est constituée dans une version préférentielle de réalisation d'une interface radio fréquence de type bluetooth permettant de dialoguer avec un grand nombre de systèmes électroniques portatifs (sep). On observe que, pour réduire la consommation de l'étiquette, l'interface (203) peut être activée (en continue ou périodiquement) uniquement lorsque le véhicule est en déplacement.The interface (203) is constituted in a preferred embodiment of a radio frequency interface bluetooth type for dialogue with a large number of portable electronic systems (sep). It is observed that to reduce consumption of the label, the interface (203) can be activated (continuously or periodically) only when the vehicle is traveling.
Le moyen (204) permettant de détecter que le boitier (200) a été installé dans le véhicule après avoir été initialisé est constitué, dans une version préférentielle de ce premier mode de réalisation, de micro-interrupteurs permettant de détecter et de comptabiliser le nombre de pressions exercées sur le dit boitier adhésif (200). En complément, un matériaux conducteur ruptible incorporé par exemple dans l'adhésif du boitier (200) peut être utilisé pour détecter que le boitier (200) a été démonté après avoir été installé. La batterie (205) est composée d'une pile ou d'une batterie rechargeable à forte capacité et à faible taux d' autodécharge, la dite batterie rechargeable disposant d'une interface permettant de la relier à une alimentation permanente du véhicule ou à un chargeur externe. De même, dans le but de prolonger l'autonomie du boitier (200), cette dernière peut comporter des cellules photovoltaïques permettant de compenser le phénomène d' autodécharge voire de recharger la batterie (205) pendant le déplacement du véhiculeThe means (204) making it possible to detect that the box (200) has been installed in the vehicle after being initialized consists, in a preferred version of this first embodiment, of microswitches for detecting and counting the number. pressures exerted on said adhesive housing (200). In addition, a rupturable conductive material incorporated for example into the housing adhesive (200) can be used to detect that the housing (200) has been disassembled after being installed. The battery (205) is composed of a battery or a rechargeable battery with high capacity and low self-discharge rate, said rechargeable battery having an interface for connecting it to a permanent power supply of the vehicle or to a external charger. Similarly, in order to extend the autonomy of the housing (200), the latter may include photovoltaic cells to compensate for the phenomenon of self-discharge or even recharge the battery (205) during the movement of the vehicle
Le moyen d'activer le système (206) est composé d'un micro contact activable par l'utilisateur.The means for activating the system (206) is composed of a user-activated micro contact.
Selon un deuxième mode de réalisation, tous les éléments (201) à (206) peuvent être intégrés dans un socle permettant de recevoir un téléphone portable ou un PND. Dans ce mode de réalisation, on observe que le système portatif peut toujours dialoguer avec le socle en utilisant une liaison bluetooth mais également au moyen d'une interface spécifique ou en exploitant la liaison filaire permettant au socle de recharger le dispositif portatif (sep). On observe en figure 3, un système électronique lié mécaniquement au véhicule selon un troisième mode de réalisation, composé d'un boîtier (300), d'un calculateur électronique (301 ), d'une interface (302) filaire ou radio fréquence permettant de communiquer avec le système électronique portatif (sep), d'une interface diagnostique véhicule OBD (303) et d'une batterie (304). Le boîtier (300) est un boîtier disposant d'une connectique adaptée pour se connecter à l'interface OBD (303). L'alimentation du boîtier (300) est fournie par le biais du connecteur OBD (303) qui dispose sur l'une de ces broches de la tension batterie du véhicule. En particulier, après l'installation du boîtier (300), cette tension peut être surveillée en permanence par le calculateur électronique (301) pour vérifier que le boîtierAccording to a second embodiment, all the elements (201) to (206) can be integrated in a base for receiving a mobile phone or a PND. In this embodiment, it is observed that the portable system can always dialogue with the base using a bluetooth connection but also by means of a specific interface or by using the wired connection allowing the base to recharge the portable device (sep). FIG. 3 shows an electronic system mechanically linked to the vehicle according to a third embodiment, composed of a housing (300), an electronic computer (301), a wired or radio frequency interface (302) communicating with the portable electronic system (sep), an OBD vehicle diagnostic interface (303) and a battery (304). The housing (300) is a housing having a connector adapted to connect to the OBD interface (303). The power supply of the housing (300) is provided through the OBD connector (303) which has on one of these pins the battery voltage of the vehicle. In particular, after the installation of the housing (300), this voltage can be continuously monitored by the electronic computer (301) to verify that the housing
(300) n'est pas démonté.(300) is not dismounted.
Le calculateur électronique (301) est également utilisé :The electronic calculator (301) is also used:
- pour détecter si le véhicule est en déplacement (en mesurant le niveau de la tension batterie disponible sur l'interface OBD(303) ou en récupérant par l'interface- to detect whether the vehicle is moving (by measuring the level of the available battery voltage on the OBD interface (303) or by retrieving through the interface
OBD(303) l'information « vitesse ») et,OBD (303) information "speed") and,
- pour calculer sur une période choisie, le temps total de déplacement et/ou le kilométrage total parcouru (obtenu directement par l'interface OBD (303) ou en intégrant par rapport au temps la vitesse du véhicule fournie par cette même interface (303)) et,to calculate, over a chosen period, the total travel time and / or the total mileage traveled (obtained directly by the OBD interface (303) or by integrating with time the speed of the vehicle provided by the same interface (303) ) and,
- pour récupérer par l'interface OBD(303) le code VIN (Numéro d'identification du véhicule) permettant de s'assurer que le boîtier a bien été monté et reste bien monté sur le bon véhicule.- To recover by the OBD interface (303) the VIN code (Vehicle Identification Number) to ensure that the housing has been mounted and remains properly mounted on the right vehicle.
L'interface de communication (302) est préférentiellement de type bluetooth pour minimiser la connectique et ne pas gêner la conduite de l'automobiliste. On observe que dans le cas d'une rupture générale de l'alimentation du véhicule, la batterie (304) prend le relais et permet au calculateur électronique (301) d'enregistreur la date, l'heure et la durée de la coupure batterie.The communication interface (302) is preferentially bluetooth type to minimize the connection and do not interfere with the driving of the motorist. It is observed that in the case of a general breakdown of the vehicle power supply, the battery (304) takes over and allows the electronic calculator (301) recorder date, time and duration of the battery break .
Les figures 4A et 4B représentent un organigramme décrivant le fonctionnement interne du dispositif électronique (selv). Dans cet organigramme, le système électronique (selv) se trouve, en sortie d'usine, dans un mode veille représenté à l'étape (400). Si dans une étape (410), l'utilisateur active le système électronique (selv) en appuyant, par exemple, sur un micro contact, alors le système électronique (selv) passe à l'étape (420). Dans le cas contraire, le système électronique (selv) retourne à l'étape (400), en mode veille pour minimiser sa consommation d'énergie. A l'étape (420), le système électronique (selv) cherche à renter en contact, via l'interface bluetooth, avec un système électronique portatif (sep). Si à l'étape (430), un système électronique portatif (sep) est détecté dans un intervalle de temps donné et si celui-ci dispose du logiciel adéquat alors le système électronique (selv) passe à l'étape (440), sinon il retourne en mode veille à l'étape (400).Figures 4A and 4B show a flowchart describing the internal operation of the electronic device (selv). In this flowchart, the electronic system (selv) is, at the factory, in a standby mode shown in step (400). If in a step (410), the user activates the electronic system (selv) by pressing, for example, on a micro contact, then the electronic system (selv) goes to step (420). In the opposite case, the electronic system (selv) returns to step (400), in standby mode to minimize its energy consumption. In step (420), the electronic system (selv) seeks to come into contact, via the bluetooth interface, with a portable electronic system (sep). If in step (430), a portable electronic system (sep) is detected in a given time interval and if it has the appropriate software then the electronic system (selv) goes to step (440), otherwise it returns to standby mode in step (400).
A l'étape (440), le système électronique (selv) et le système électronique portatif (sep) s'échangent des identifiants (par exemple un numéro de série ou l'adresse MAC (Adresse de Contrôle d'accès au Média) des circuits bluetooth) pour permettre aux deux systèmes électroniques (selv) et (sep) de s'authentifier en cours de fonctionnement. Ces informations de configuration sont ensuite transmises au serveur informatique distant (sid). Au cours de cette même étape, le système électronique portatif (sep) transmet au système électronique (selv) l'heure et la date (récupérées sur le réseau de téléphonie mobile ou du GPS) pour initialiser son horloge temps réel. A la fin de cette étape et avant de passer à l'étape (450), le système électronique (selv) indique au système électronique portatif (sep) que la configuration du système a réussi pour en informer le conducteur. A partir de l'étape (450), le dispositif complet, composé du système électronique (selv) et du système électronique portatif (sep) est configuré. On observe, dans ce chronogramme, qu'il est toujours possible de paramétrer ou d'envoyer des commandes spécifiques au système électronique (selv) si le véhicule est à l'arrêt. Pour cela, à l'étape (450), le système électronique (selv) vérifie si l'utilisateur souhaite réaliser cette opération, en vérifiant si le micro contact a été de nouveau activé. Si c'est le cas, alors dans une étape (460), le système électronique (selv) attend des commandes en provenance du système électronique portatif (sep) et les exécute. On observe à l'étape (460), que sans manipulations particulières, seules les commandes transmises par le système électronique portatif (sep) configuré à l'étape (440) sont exécutées. Néanmoins, dans le cas où l'utilisateur a par exemple, perdu son système portatif (sep) et souhaite récupérer des données enregistrées, ou encore dans le cas où l'assureur souhaite extraire certaines données à la suite d'un accident, il est tout à fait possible d'envoyer au système électronique (selv) des commandes par un autre système électronique portatif (sep) à la condition que le nouveau système électronique portatif (sep) ait été préalablement configuré au moyen d'une commande spécifique envoyée par le serveur informatique distant (sid), la dite commande ayant été cryptée à l'aide des informations de configuration transmises au dit serveur distant (sid) au cours de l'étape (440). En particulier, il est tout à fait possible de réinitialiser complètement le système électronique (selv), si à l'étape (470), le système électronique (selv) reçoit la commande adéquate. Si c'est le cas, le système électronique (selv) retourne en mode veille à l'étape (400). Dans le cas contraire, le système électronique (selv) passe à l'étape (480). Au cours de l'étape (480), le système électronique (selv) vérifie si le véhicule (v) est en train de se déplacer. Si ce n'est pas le cas, ie système électronique (selv) retourne à l'étape (450). Si par contre, le véhicule (v) est en déplacement, le système électronique (selv) bascule à l'étape (490) et recherche le système électronique portatif (sep) configuré à l'étape (440). Si, au cours de l'étape (500) suivante, le système électronique portatif (sep) a été authentifié alors, dans une étape (510) le système électronique (selv) incrémente un compteur (cptl) et le transmet au système portatif (sep). Ce compteur (cptl) calculé par le système électronique (selv), permet au dispositif complet, composé du système électronique (selv) et du système électronique portatif (sep), de calculer un indicateur « certifié » (tpl ) représentant le temps total pendant lequel le logiciel (Ig) de tarification a été utilisé à l'intérieur du véhicule (v), lorsque celui-ci était en déplacement. Au cours de cette même étape (510), le système électronique (selv) met à jour et enregistre la date, l'heure et la durée du déplacement en cours. Au premier déplacement de la journée, par exemple, le système électronique (selv) récupère également certaines informations (if) enregistrées par le système portatif (tels que le kilométrage, les heures de conduite, etc.), pour pouvoir les restituer, le cas échéant, à un autre système électronique portatif (sep) en cas de perte, par exemple, du système électronique portatif (sep) initialement configuré. A la suite de l'étape (510) et de l'étape (500) (dans le cas ou le système électronique portatif (sep) n'a pas été authentifié), le système électronique (selv) met à jour son propre compteur de temps (tp2) permettant de comptabiliser Ie temps total de déplacement du véhicule (v) dans une période choisie. La valeur de ce compteur (tp2) est transmise au système portatif (sep), au cours de l'étape (510), au premier déplacement de la journée par exemple ou éventuellement à l'étape (460), sur commande spécifique d'un système électronique portatif (sep). Ainsi grâce aux compteurs tpl et tp2 calculés respectivement aux étapes (510) et (520), le système portatif (sep) peut calculer et transmettre au serveur informatique distant (sid), un indicateur permettant de pondérer la prime d'assurance en fonction du taux d'utilisation du logiciel de tarification (Ig) calculé par rapport au temps total de déplacement du véhicule.At step (440), the electronic system (SELV) and the portable electronic system (September) s' exchange identifiers (e.g., a serial number or MAC address (access control address Media) of bluetooth circuits) to allow both electronic systems (selv) and (sep) to authenticate during operation. This configuration information is then transmitted to the remote computer server (sid). During this same step, the portable electronic system (sep) transmits to the electronic system (selv) the time and date (retrieved from the mobile phone network or the GPS) to initialize its real-time clock. At the end of this step and before proceeding to step (450), the electronic system (selv) indicates to the portable electronic system (sep) that the configuration of the system has succeeded in informing the driver. From step (450), the complete device consisting of the electronic system (selv) and the portable electronic system (sep) is configured. It is observed in this timing chart that it is always possible to set or send specific commands to the electronic system (selv) if the vehicle is stopped. For this, in step (450), the electronic system (selv) checks whether the user wishes to perform this operation, by checking whether the micro contact has been activated again. If so, then in a step (460), the electronic system (selv) waits for commands from the portable electronic system (sep) and executes them. It is observed in step (460) that, without particular manipulations, only the commands transmitted by the portable electronic system (sep) configured in step (440) are executed. Nevertheless, in the case where the user has, for example, lost his portable system (sep) and wishes to recover recorded data, or in the case where the insurer wishes to extract certain data as a result of an accident, it is it is quite possible to send commands to the electronic system (selv) by another portable electronic system (sep) provided that the new portable electronic system (sep) has been previously configured by means of a specific command sent by the remote computer server (sid), said command having been encrypted using the configuration information transmitted to said remote server (sid) during step (440). In particular, it is entirely possible to completely reset the electronic system (selv), if in step (470), the electronic system (selv) receives the appropriate command. If this is the case, the electronic system (selv) returns to standby mode in step (400). In the opposite case, the electronic system (selv) proceeds to step (480). During step (480), the electronic system (selv) checks whether the vehicle (v) is moving. If this is not the case, the electronic system (selv) returns to step (450). If, on the other hand, the vehicle (v) is moving, the electronic system (selv) switches to step (490) and searches for the portable electronic system (sep) configured in step (440). If, during the next step (500), the portable electronic system (sep) has been authenticated then, in a step (510) the electronic system (selv) increments a counter (cptl) and transmits it to the portable system ( Sep). This counter (cptl) calculated by the electronic system (selv), allows the complete device, composed of the electronic system (selv) and the portable electronic system (sep), to calculate a "certified" indicator (tpl) representing the total time during which the software (Ig) pricing was used inside the vehicle (v), when it was moving. During this same step (510), the electronic system (selv) updates and records the date, time and duration of the current trip. At the first trip of the day, for example, the electronic system (selv) also retrieves certain information (if) recorded by the portable system (such as mileage, driving hours, etc.), in order to be able to restore them, if necessary. where appropriate, to another portable electronic system (sep) in case of loss, for example, of the portable electronic system (sep) initially configured. Following step (510) and step (500) (in the case where the portable electronic system (sep) has not been authenticated), the electronic system (selv) updates its own counter time (tp2) for counting the total travel time of the vehicle (v) in a chosen period. The value of this counter (tp2) is transmitted to the portable system (sep), during the step (510), the first movement of the day for example or possibly in step (460), on specific command of a portable electronic system (sep). Thus, thanks to the counters tpl and tp2 respectively calculated in steps (510) and (520), the portable system (sep) can calculate and transmit to the remote computer server (sid), an indicator for weighting the insurance premium according to the rate of use of the pricing software (Ig) calculated with respect to the total time of movement of the vehicle.
Pour garantir l'intégrité des données transmises, on observe également, qu'à partir de l'étape (450) et pour toutes les étapes suivantes, le système électronique (selv) vérifie qu'il n'a pas été déplacé et que sa batterie dispose toujours d'une autonomie suffisante. Si une défaillance est détectée, le système électronique enregistre l'heure et la date de cette défaillance et les transmet au dispositif électronique portatif (sep) au cours des étapes (460) et (510).To ensure the integrity of the transmitted data, it is also observed that from step (450) and for all subsequent steps, the electronic system (selv) verifies that it has not been moved and that its battery always has sufficient autonomy. If a failure is detected, the electronic system records the time and date of this failure and transmits them to the portable electronic device (sep) in steps (460) and (510).
La figure 5 représente, de manière schématique, une première solution permettant de détecter qu'un système électronique (selv) a été installé sur un véhicule après avoir été initialisé. Ce système, incorporé dans un boitier (600) comportant une base adhésive(601 ), est constitué d'une coque plastique (602) mobile reposant sur un (ou plusieurs) capteur(s) de pression ou sur un (ou plusieurs) micro interrupteur(s) (603). Pour installer le système, l'automobiliste doit tout d'abord coller le boitier adhésif (600) dans son véhicule en exerçant une pression sur la coque(602) jusqu'à ce que la diode électroluminescente (604) commandée par les micro interrupteurs (603) s'allume. A l'allumage de cette diode, le boîtier (600) enregistre et comptabilise le nombre et éventuellement la durée des pressions exercées sur la coque (602). A la suite de cette opération, l'utilisateur peut initialiser le système au moyen de son téléphone portable (605) tel qu'illustré à la figure 4A pour valider son installation. A la suite de cette opération, étant donné que le boitier (600) comptabilise et enregistre le nombre de pressions exercées sur sa coque (602) (ayant éventuellement une durée supérieure à une durée donnée pour filtrer certaines manipulations involontaires), il ne sera plus possible à l'utilisateur de coller le boîtier (600) sur une surface sans que cette opération ne soit détectée par le boitier (600). Ainsi avec cette solution, l'automobiliste est fortement encouragé à installer le boîtier sur le bon véhicule, sachant qu'à la suite d'un accident, cette opération ne pourra plus être réalisée sans que l'assureur en soit informé. On observe également que le boitier (600) peut enregistrer la date et l'heure à laquelle ont eu lieu les différentes pressions sur la coque (602). Une deuxième solution permettant de détecter que le système électronique (selv) a été déplacé après avoir été installé une première fois et/ou que le système électronique (selv) a été installé dans le véhicule après avoir été initialisé est basée sur une analyse et un traitement des signaux fournis par l'accéléromètre du dit système électronique (selv). Deux méthodes basées sur ce type de solution sont décrites ci-dessous au moyen des figures 6, 7A, 7B, 7C et 7D.FIG. 5 schematically represents a first solution for detecting that an electronic system (selv) has been installed on a vehicle after being initialized. This system, incorporated in a housing (600) comprising an adhesive base (601), consists of a plastic shell (602) movable resting on one (or more) pressure sensor (s) or on one (or more) microphone switch (603). To install the system, the driver must first glue the adhesive housing (600) in his vehicle by exerting pressure on the shell (602) until the light-emitting diode (604) controlled by the micro-switches ( 603) lights up. At the ignition of this diode, the housing (600) records and records the number and possibly the duration of the pressures exerted on the shell (602). Following this operation, the user can initialize the system using his mobile phone (605) as shown in Figure 4A to validate his installation. As a result of this operation, since the box (600) records and records the number of pressures exerted on its shell (602) (possibly having a duration greater than a given duration to filter certain involuntary manipulations), it will no longer be possible it is possible for the user to glue the casing (600) to a surface without this operation being detected by the casing (600). Thus with this solution, the motorist is strongly encouraged to install the box on the right vehicle, knowing that following an accident, this operation will not be possible without the insurer being informed. It is also observed that the case (600) can record the date and time at which the different pressures on the hull (602) took place. A second solution for detecting that the electronic system (selv) has been moved after being installed a first time and / or that the electronic system (selv) has been installed in the vehicle after being initialized is based on an analysis and a processing of signals provided by the accelerometer of said electronic system (selv). Two methods based on this type of solution are described below by means of FIGS. 6, 7A, 7B, 7C and 7D.
La figure 6 représente, de manière schématique, un système électronique (selv) fixé sur le tableau de bord d'un véhicule (v) en train de mesurer, selon 3 axes formant un repère tridimensionnel, les différentes accélérations qui lui sont appliquées. Dans ce cas de figure, on note qu'à l'arrêt du véhicule (v) sur un terrain plat, seule une composante (701 ) négative sur l'axe z est mesurée par le dit système (selv) due au champ gravitationnel. De même, on observe que dans les cas usuels d'utilisation du véhicule (v) (à l'arrêt ou en déplacement), la résultante vectorielle (rvec) de ces accélérations évolue dans un volume de référence (vref), illustré pour l'exemple, par un cône sur la figure 6. Ce volume de référence (vref) peut dépendre des caractéristiques du véhicule (type, marque, inertie, puissance, etc.) et peut être défini si besoin, par programmation au moment de l'initialisation du système. On observe également que ce volume de référence (vref) peut dépendre également de la position initiale dans laquelle a été installé le dispositif (selv) et par conséquence être calculé, à l'initialisation, par le système (selv) lui-même.FIG. 6 schematically represents an electronic system (selv) fixed on the dashboard of a vehicle (v) measuring, along 3 axes forming a three-dimensional reference, the different accelerations applied to it. In this case, it is noted that when stopping the vehicle (v) on a flat ground, only a negative component (701) on the z axis is measured by the said system (selv) due to the gravitational field. Similarly, it can be observed that in the usual cases of use of the vehicle (v) (when stationary or in motion), the vector resultant (rvec) of these accelerations evolves in a reference volume (vref), illustrated for the first time. for example, by a cone in FIG. This reference volume (vref) can depend on the characteristics of the vehicle (type, brand, inertia, power, etc.) and can be defined if necessary, by programming at the time of system initialization. It is also observed that this reference volume (vref) may also depend on the initial position in which the device (selv) was installed and consequently be calculated, on initialization, by the system (selv) itself.
Après l'initialisation du système, le calculateur du système électronique (selv) analyse en continue ou de manière périodique (pour économiser les batteries) toutes les accélérations (longitudinales, transversales, etc.) subies par le dit système électronique (selv). Si, dans une première variante de cette deuxième solution, Ia résultante (rvec) n'évolue pas dans le volume de référence (vref), le système en déduit qu'une opération anormale s'est produite et que le dispositif a peut-être été désinstallé. Ceci est, par exemple le cas sur la figure 6, lorsqu'en désinstallant le système l'utilisateur exerce une force positive selon l'axe z. Dans une deuxième variante de cette deuxième solution, le calculateur du système électronique (selv) analyse l'amplitude et la composante haute fréquence de toutes les accélérations subies par le dit système électronique (selv).After the initialization of the system, the computer of the electronic system (selv) analyzes continuously or periodically (to save the batteries) all accelerations (longitudinal, transverse, etc.) undergone by the said electronic system (selv). If, in a first variant of this second solution, the resultant (rvec) does not evolve in the reference volume (vref), the system deduces that an abnormal operation has occurred and that the device may have been uninstalled. This is, for example the case in Figure 6, when by uninstalling the system the user exerts a positive force along the z axis. In a second variant of this second solution, the computer of the electronic system (selv) analyzes the amplitude and the high frequency component of all the accelerations undergone by said electronic system (selv).
Au moyen de ce type d'analyse, on peut constater que les accélérations subies par un système électronique (selv) transporté ou manipulé par un utilisateur (figure 7D) ne possèdent pas les mêmes caractéristiques qu'un même système électronique (selv) installé sur un véhicule (v). Ces propos sont illustrés à travers les figures 7A, 7B et 7C et 7D dans lesquelles :By means of this type of analysis, it can be seen that the accelerations experienced by an electronic system (selv) transported or manipulated by a user (FIG. 7D) do not have the same characteristics as the same electronic system (selv) installed on a vehicle (v). These remarks are illustrated by FIGS. 7A, 7B and 7C and 7D in which:
- la figure 7A, représente les signaux générés par un système électronique (selv) monté sur un véhicule dans le quel on procède à des cycles de démarrage et d'arrêt du moteur du véhicule. On observe sur cette figure 7A simplement un bruit électronique faible amplitude (900) lorsque le véhicule est à l'arrêt et une composante haute fréquence élevée (901 ) due aux vibrations du moteur lorsque celui-ci est en marche,FIG. 7A shows the signals generated by an electronic system (selv) mounted on a vehicle in which starting and stopping cycles of the vehicle engine are carried out. FIG. 7A merely shows a low-amplitude electronic noise (900) when the vehicle is stationary and a high-frequency component (901) due to the vibrations of the engine when it is running,
- la figure 7B représente les signaux générés par un système électronique (selv) monté sur un véhicule au cours d'un déplacement. Une composante haute fréquence (901 ) élevée est également présente dans ce scénario,FIG. 7B represents the signals generated by an electronic system (selv) mounted on a vehicle during a displacement. A high frequency (901) component is also present in this scenario,
- la figure 7C représente les signaux générés par un système électronique (selv) monté sur un véhicule à l'arrêt mais secoué latéralement de façon manuelle. On observe sur cette figure 7C une composante (902) moyenne fréquence liées en partie aux caractéristiques des amortisseurs du véhicules,- Figure 7C shows the signals generated by an electronic system (selv) mounted on a stationary vehicle but shaking laterally manually. FIG. 7C shows a component (902) associated with the medium frequency the characteristics of the shock absorbers of the vehicle,
- la figure 7D représente les signaux générés par un système électronique (selv) transporté par un utilisateur. On observe sur cette figure une composante dynamiqueFIG. 7D represents the signals generated by an electronic system (selv) transported by a user. This figure shows a dynamic component
(903) mais de fréquence atténuée par rapport aux scénarios précédent. On observe ainsi que cette deuxième méthode permet, sans avoir à caractériser finement la signature vibratoire d'un véhicule ou d'un ensemble de véhicules donnés, de procéder à une caractérisation et à une classification des signaux fournis par l'accéléromètre du système électronique (selv) pour savoir si celui-ci est dans une état immobile (état 1), utilisé à l'intérieur d'un véhicule en cours de déplacement (état 2) ou bien manipulé ou transporté par un utilisateur (état 3). Après l'initialisation du système électronique (selv), l'état 3 est considéré comme une situation anormale, laissant supposée que le système électronique (selv) a été démonté ou manipulé pour être installé à la suite d'un accident.(903) but of attenuated frequency compared to the previous scenarios. It is thus observed that this second method makes it possible, without having to characterize the vibratory signature of a given vehicle or set of vehicles, to characterize and classify the signals supplied by the accelerometer of the electronic system ( selv) to know if it is in a stationary state (state 1), used inside a vehicle being moved (state 2) or handled or transported by a user (state 3). After initialization of the electronic system (selv), state 3 is considered an abnormal situation, suggesting that the electronic system (selv) has been disassembled or manipulated to be installed following an accident.
On observe que d'autres méthodes connues de l'art antérieur relatives au traitement du signal, au filtrage, à la caractérisation et à l'analyse statistique du signal, ou encore à la classification par réseaux de neurones peuvent être utilisées pour répondre au même besoin. It is observed that other methods known from the prior art relating to signal processing, filtering, characterization and statistical analysis of the signal, or classification by neural networks can be used to respond to the same need.

Claims

REVENDICATIONS
1. Procédé permettant d'authentifier des données transmises relatives à l'usage d'un véhicule et/ou au comportement de son conducteur, le dit procédé mettant en oeuvre au moins deux ensembles de systèmes électroniques dont :A method for authenticating transmitted data relating to the use of a vehicle and / or the behavior of its driver, said method implementing at least two sets of electronic systems including:
• le premier ensemble est composé d'au moins un système électronique portatif (sep) comportant un logiciel (Ig) activable et/ou désactivable par son utilisateur et au moins un capteur fournissant des données permettant au logiciel (Ig) de calculer et/ou d'enregistrer et de transmettre vers un serveur informatique distant (sid) des informations (if) brutes ou agrégées liées à l'usage du véhicule (v) et/ou au comportement de son conducteur,The first set is composed of at least one portable electronic system (sep) comprising a software (Ig) that can be activated and / or deactivated by its user and at least one sensor providing data enabling the software (Ig) to calculate and / or to record and transmit to a remote computer server (sid) raw or aggregated information (if) related to the use of the vehicle (v) and / or the behavior of its driver,
• le deuxième ensemble est composé d'au moins un système électronique (selv) fixé mécaniquement au véhicule (v) permettant de communiquer avec au moins un système électronique portatif (sep), caractérisé par le fait que :The second assembly is composed of at least one electronic system (selv) mechanically fixed to the vehicle (v) making it possible to communicate with at least one portable electronic system (sep), characterized in that:
- au moins un système électronique (selv) dispose d'un moyen de détecter que le véhicule est en déplacement et au moins un système électronique (selv) dispose d'un moyen d'authentifier, au moins lorsque le véhicule circule, au moins un système électronique portatif (sep) lorsque celui-ci est utilisé à l'intérieur ou à proximité du véhicule (v) et que,at least one electronic system (selv) has a means of detecting that the vehicle is traveling and at least one electronic system (selv) has a means of authenticating, at least when the vehicle is traveling, at least one portable electronic system (sep) when used in or near the vehicle (v) and,
- si, pendant un déplacement du véhicule (v), un logiciel (Ig) d'au moins un des systèmes électroniques portatifs (sep) est activé, alors le dit logiciel (Ig) ne calcule et/ou n'enregistre et ne transfère et/ou ne considère comme valide que les informations (if) à partir du moment où le système électronique portatif (sep) sur lequel s'exécute le dit logiciel (Ig) réussit à s'authentifier auprès d'au moins un système électronique (selv) pendant le déplacement du véhicule (v) ou pendant une période choisie précédent ou suivant le déplacement du véhicule (v).- if, during a movement of the vehicle (v), a software (Ig) of at least one of the portable electronic systems (sep) is activated, then the said software (Ig) does not calculate and / or records and transfers and / or considers valid only the information (if) from the moment when the portable electronic system (sep) on which the said software (Ig) executes succeeds in authenticating with at least one electronic system ( selv) during the movement of the vehicle (v) or during a selected period preceding or following the movement of the vehicle (v).
2. Procédé selon la revendication 1, caractérisé par le fait que, pour l'ensemble des trajets réalisés par le véhicule (v) dans une période donnée : - au moins un système électronique (selv) dispose d'un moyen de calculer au moins un indicateur de déplacement cumulatif (icd l) du véhicule (v),2. Method according to claim 1, characterized in that, for all the trips made by the vehicle (v) in a given period: at least one electronic system (selv) has a means of calculating at least one cumulative displacement indicator (icd l) of the vehicle (v),
- si un logiciel (Ig) d'au moins un des systèmes électroniques portatifs (sep) est activé pendant le déplacement du véhicule (v) et si le système électronique portatif (sep) sur lequel s'exécute le dit logiciel (Ig) réussit à s'authentifier auprès d'au moins un système électronique (selv), alors le dit logiciel (Ig) calcule au moins un indicateur de déplacement cumulatif (icd_2) de même nature que l'indicateur de déplacement (icd l ),- if a software (Ig) of at least one of the portable electronic systems (sep) is activated during the movement of the vehicle (v) and if the portable electronic system (sep) on which runs the said software (Ig) succeeds to authenticate with at least one electronic system (selv), then the said software (Ig) calculates at least one cumulative displacement indicator (icd_2) of the same nature as the displacement indicator (icd l),
- les deux indicateurs (icd_l) et (icd_2), sont utilisés par au moins un couple de systèmes électroniques (sep) et (selv) pour calculer un taux d'utilisation (tu) permettant d'évaluer, par rapport au cumul total de l'indicateur (icdl) sur la période donnée, dans quelle proportion le logiciel (Ig) a été utilisé à l'intérieur du véhicule (v) pendant que celui-ci était en déplacement,- the two indicators (icd_l) and (icd_2), are used by at least one pair of electronic systems (sep) and (selv) to calculate a utilization rate (tu) allowing to evaluate, with respect to the total cumulation of the indicator (icdl) over the given period, in what proportion the software (Ig) was used inside the vehicle (v) while it was traveling,
- le taux d'utilisation (tu) est transmis au serveur informatique (sid) avec les informations (if) et permet de pondérer les dites informations (if) et/ou la prime d'assurance en fonction du dit taux d'utilisation (tu).- the utilization rate (tu) is transmitted to the computer server (sid) with the information (if) and makes it possible to weight the said information (if) and / or the insurance premium according to the said utilization rate ( you).
3. Dispositif pour la mise en œuvre du procédé selon l'une des revendications 1 ou 2, caractérisé en ce que le système électronique (selv) comporte : - un moyen de détecter que le véhicule est en train de se déplacer,3. Device for implementing the method according to one of claims 1 or 2, characterized in that the electronic system (selv) comprises: - a means of detecting that the vehicle is moving,
- un moyen de communiquer avec au moins un système électronique portatif (sep),a means of communicating with at least one portable electronic system (sep),
- un moyen de procéder à Pauthentification d'au moins un système électronique portatif (sep).a means of authenticating at least one portable electronic system (sep).
4. Dispositif selon la revendication 3, caractérisé en ce que le système électronique (selv) comporte un moyen de calculer au moins un indicateur cumulatif de déplacement (icd_l ) pour l'ensemble des déplacements réalisés par le véhicule (v) dans une période donnée.4. Device according to claim 3, characterized in that the electronic system (selv) comprises means for calculating at least one cumulative displacement indicator (icd_l) for all the movements made by the vehicle (v) in a given period .
5. Dispositif selon l'une des revendications 3 ou 4, caractérisé en ce que le système électronique portatif (sep) et le système électronique (selv) comportent un moyen de calculer des indicateurs de déplacement cumulatifs (icd_l) et (icd_2) correspondant au temps. 5. Device according to one of claims 3 or 4, characterized in that the portable electronic system (sep) and the electronic system (selv) comprise means for calculating cumulative displacement indicators (icd_l) and (icd_2) corresponding to the time.
6. Dispositif selon l'une des revendications 3 à 5, caractérisé en ce que le système électronique portatif (sep) et le système électronique (selv) comportent un moyen de calculer des indicateurs de déplacement cumulatifs (icd l) et (icd_2) correspondant au nombre de kilomètres parcourus.6. Device according to one of claims 3 to 5, characterized in that the portable electronic system (sep) and the electronic system (selv) comprise means for calculating cumulative displacement indicators (icd l) and (icd_2) corresponding the number of kilometers traveled.
7. Dispositif selon l'une des revendications de 3 à 6, caractérisé en ce que le système électronique (selv) comporte :7. Device according to one of claims 3 to 6, characterized in that the electronic system (selv) comprises:
- un accéléromètre et/ou une micro puce GPS et/ou une connexion à l'alimentation du véhicule (v) pour détecter que le dit véhicule (v) est en train de se déplacer, - un microcalculateur faible consommation permettant de calculer un indicateuran accelerometer and / or a GPS microchip and / or a connection to the vehicle power supply (v) for detecting that said vehicle (v) is moving, a low consumption microcomputer making it possible to calculate an indicator
(icd_l) correspondant à la durée totale de déplacement du véhicule (v) dans une période donnée,(icd_l) corresponding to the total duration of movement of the vehicle (v) in a given period,
- une interface radiofréquence et/ou filaire permettant de communiquer de manière bidirectionnelle avec au moins un système électronique portatif (sep) et de procéder à son (à leur) authentification,a radiofrequency and / or wired interface making it possible to communicate bidirectionally with at least one portable electronic system (sep) and to carry out its (their) authentication,
- une batterie embarquée.- an onboard battery.
8. Dispositif selon l'une des revendications de 3 à 7, caractérisé en ce qu'il comporte :8. Device according to one of claims 3 to 7, characterized in that it comprises:
- au moins un système électronique portatif (sep) constitué d'un téléphone mobile grand public incorporant un calculateur embarqué, une interface bluetooth, le dit téléphone mobile transmettant des informations (if) brutes tout au long de chaque déplacement et/ou des informations (if) agrégées à période régulière,at least one portable electronic system (sep) consisting of a consumer mobile phone incorporating an on-board computer, a bluetooth interface, said mobile phone transmitting raw information (if) throughout each movement and / or information ( if) aggregated on a regular basis,
- au moins un système électronique (selv) constitué d'une étiquette électronique d'assurance incorporant au moins une batterie, un accéléromètre et/ou une micro puce GPS et une interface bluetooth.at least one electronic system (selv) consisting of an electronic insurance label incorporating at least one battery, an accelerometer and / or a micro-GPS chip and a bluetooth interface.
9. Dispositif selon la revendication 8, caractérisé en ce qu'au moins un système électronique portatif (sep) comporte un récepteur GPS avec lequel il peut transmettre des informations (if) sur la position du véhicule (v) et/ou des informations (if) combinées avec la position du véhicule (v), les dites informations (if) pouvant être de nature brute et/ou de nature agrégée et calculées en s'appuyant sur une cartographie du réseau routier. 9. Device according to claim 8, characterized in that at least one portable electronic system (sep) comprises a GPS receiver with which it can transmit information (if) on the position of the vehicle (v) and / or information ( if) combined with the position of the vehicle (v), said information (if) being of a raw nature and / or of an aggregated nature and calculated on the basis of a map of the road network.
10. Dispositif selon l'une des revendications de 3 à 7, caractérisé en ce qu'il comporte :10. Device according to one of claims 3 to 7, characterized in that it comprises:
- au moins un système électronique portatif (sep) constitué d'un PND (dispositif de navigation personnel), le dit PND enregistrant sur une mémoire embarquée et transmettant vers un serveur informatique distant (sid) s'il dispose d'un modem GSM, des informations (if) brutes et/ou agrégées,at least one portable electronic system (sep) consisting of a PND (personal navigation device), said PND recording on an on-board memory and transmitting to a remote computer server (sid) if it has a GSM modem, raw and / or aggregated (if) information,
- au moins un système électronique (selv) constitué d'un socle destiné à recevoir le dit PND ou d'une étiquette électronique d'assurance, le dit socle ou la dite étiquette incorporant au moins une batterie, un accéléromètre et/ou une micro puce GPS communiquant avec le dit PND avec une liaison filaire ou une interface bluetooth.at least one electronic system (selv) consisting of a base intended to receive said PND or an electronic insurance label, said base or said label incorporating at least one battery, an accelerometer and / or a microphone GPS chip communicating with said PND with a wired link or bluetooth interface.
1 1. Dispositif selon l'une des revendications de 3 à 7, caractérisé en ce que le système électronique (selv) comporte :1 1. Device according to one of claims 3 to 7, characterized in that the electronic system (selv) comprises:
- une connexion à une interface OBD (interface diagnostique véhicule), - un microcalculateur permettant de calculer un indicateur (icd l ) correspondant à la durée totale des déplacements du véhicule (v) et/ou au nombre total de kilomètres parcourus dans une période donnée,- a connection to an OBD interface (vehicle diagnostic interface), - a microcomputer for calculating an indicator (icd l) corresponding to the total duration of the movements of the vehicle (v) and / or the total number of kilometers traveled in a given period ,
- une interface radiofréquence et/ou filaire permettant de communiquer avec au moins un système électronique portatif (sep) et de procéder à son (à leur) authentification.a radiofrequency and / or wired interface making it possible to communicate with at least one portable electronic system (sep) and to carry out its (their) authentication.
12. Dispositif selon l'une des revendications de 3 à 1 1, caractérisé en ce que le système électronique (selv) comporte un moyen de détecter que le dit système électronique (selv) a été déplacé après avoir été installé une première fois et/ou un moyen de détecter que le système électronique (selv) a été installé dans le véhicule après avoir été initialisé.12. Device according to one of claims 3 to 1 1, characterized in that the electronic system (selv) comprises means for detecting that the said electronic system (selv) has been moved after being installed a first time and / or means for detecting that the electronic system (selv) has been installed in the vehicle after being initialized.
13. Dispositif selon la revendication 12, caractérisé en ce que le moyen de détecter que le système électronique (selv) a été déplacé après avoir été installé une première fois, comporte :13. Device according to claim 12, characterized in that the means for detecting that the electronic system (selv) has been moved after being installed a first time, comprises:
- un adhésif double face sécurisé (as) dont l'une des deux faces est collée au système électronique (selv) et l'autre sur le véhicule (v), un matériau conducteur (me) relié au calculateur du système électronique (selv) se trouvant à l'intérieur du dit adhésif ou entre la face du dit adhésif collée au système électronique (selv) et le dit système électronique (selv), une partie du dit matériau conducteur (me) étant ruptible en cas de tentative d'arrachement de l'adhésif double face et, - un moyen permettant au calculateur de détecter qu'une partie du matériau conducteur (me) a été sectionné et de communiquer cette information à au moins un système électronique portatif (sep).- a double-sided security adhesive (as) one of whose two faces is glued to the electronic system (selv) and the other on the vehicle (v), a conductive material (me) connected to the computer of the electronic system (selv) lying inside of said adhesive or between the face of said adhesive bonded to the electronic system (selv) and said electronic system (selv), a portion of said conductive material (me) being ruptible in case of attempted tearing of the double-sided adhesive and - means for the computer to detect that a portion of the conductive material (me) has been sectioned and to communicate this information to at least one portable electronic system (sep).
14. Dispositif selon la revendication 12, caractérisé en ce que le moyen de détecter que le dit système électronique (selv) a été déplacé après avoir été installé une première fois et/ou que le dit système électronique (selv) a été installé dans le véhicule après avoir été initialisé, utilise un procédé de caractérisation et de classification des signaux fournis par l'accéléromètre.14. Device according to claim 12, characterized in that the means for detecting that said electronic system (selv) has been moved after being installed a first time and / or that said electronic system (selv) has been installed in the vehicle after being initialized, uses a method of characterizing and classifying the signals provided by the accelerometer.
15. Dispositif selon la revendication 12, caractérisé en ce que le moyen de détecter que le système électronique (selv) a été installé dans le véhicule après avoir été initialisé, est constitué :15. Device according to claim 12, characterized in that the means for detecting that the electronic system (selv) has been installed in the vehicle after having been initialized, consists of:
- d'un (ou plusieurs) capteur(s) de pression et/ou de un (ou plusieurs) microinterrupteur (s) permettant de détecter que Ie dispositif (selv) a bien été collé sur une surface et, - d'un moyen de comptabiliser et d'enregistrer le nombre de fois qu'une pression a été exercée sur le dit système électronique (selv). one (or more) pressure sensor (s) and / or one (or more) microswitch (s) making it possible to detect that the device (selv) has been glued on a surface and, - means to record and record the number of times pressure has been exerted on said electronic system (selv).
PCT/FR2009/001138 2008-09-29 2009-09-25 Method and device for authenticating transmitted data related to the use of a vehicle and/or to the behaviour of the driver thereof WO2010034909A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR0805327A FR2936631B1 (en) 2008-09-29 2008-09-29 METHOD AND DEVICE FOR AUTHENTICATING TRANSMITTED DATA RELATING TO THE USE OF A VEHICLE AND / OR BEHAVIOR OF ITS DRIVER
FR0805327 2008-09-29

Publications (1)

Publication Number Publication Date
WO2010034909A1 true WO2010034909A1 (en) 2010-04-01

Family

ID=40718782

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2009/001138 WO2010034909A1 (en) 2008-09-29 2009-09-25 Method and device for authenticating transmitted data related to the use of a vehicle and/or to the behaviour of the driver thereof

Country Status (2)

Country Link
FR (1) FR2936631B1 (en)
WO (1) WO2010034909A1 (en)

Cited By (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2667349A1 (en) * 2012-05-22 2013-11-27 State Farm Insurance Systems and methods using a mobile device to collect data for insurance premiums
US8930229B2 (en) 2011-06-29 2015-01-06 State Farm Mutual Automobile Insurance Company Systems and methods using a mobile device to collect data for insurance premiums
US8954226B1 (en) 2013-10-18 2015-02-10 State Farm Mutual Automobile Insurance Company Systems and methods for visualizing an accident involving a vehicle
EP2650845A3 (en) * 2012-04-13 2015-03-25 Walter Steven Rosenbaum Method for analyzing operation characteristics of a vehicle driver
US9147219B2 (en) 2013-10-18 2015-09-29 State Farm Mutual Automobile Insurance Company Synchronization of vehicle sensor information
US9262787B2 (en) 2013-10-18 2016-02-16 State Farm Mutual Automobile Insurance Company Assessing risk using vehicle environment information
US9361599B1 (en) * 2015-01-28 2016-06-07 Allstate Insurance Company Risk unit based policies
US9390452B1 (en) 2015-01-28 2016-07-12 Allstate Insurance Company Risk unit based policies
EP2725556A3 (en) * 2012-10-24 2016-11-30 State Farm Insurance Systems and methods for controlling the collection of vehicle use data using a mobile device
US9646428B1 (en) 2014-05-20 2017-05-09 State Farm Mutual Automobile Insurance Company Accident response using autonomous vehicle monitoring
US9786154B1 (en) 2014-07-21 2017-10-10 State Farm Mutual Automobile Insurance Company Methods of facilitating emergency assistance
US9805601B1 (en) 2015-08-28 2017-10-31 State Farm Mutual Automobile Insurance Company Vehicular traffic alerts for avoidance of abnormal traffic conditions
US9892567B2 (en) 2013-10-18 2018-02-13 State Farm Mutual Automobile Insurance Company Vehicle sensor collection of other vehicle information
US9940834B1 (en) 2016-01-22 2018-04-10 State Farm Mutual Automobile Insurance Company Autonomous vehicle application
US9946531B1 (en) 2014-11-13 2018-04-17 State Farm Mutual Automobile Insurance Company Autonomous vehicle software version assessment
US9972054B1 (en) 2014-05-20 2018-05-15 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10042359B1 (en) 2016-01-22 2018-08-07 State Farm Mutual Automobile Insurance Company Autonomous vehicle refueling
US10134278B1 (en) 2016-01-22 2018-11-20 State Farm Mutual Automobile Insurance Company Autonomous vehicle application
US10185999B1 (en) 2014-05-20 2019-01-22 State Farm Mutual Automobile Insurance Company Autonomous feature use monitoring and telematics
US10319039B1 (en) 2014-05-20 2019-06-11 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10324463B1 (en) 2016-01-22 2019-06-18 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation adjustment based upon route
US10373259B1 (en) 2014-05-20 2019-08-06 State Farm Mutual Automobile Insurance Company Fully autonomous vehicle insurance pricing
US10395332B1 (en) 2016-01-22 2019-08-27 State Farm Mutual Automobile Insurance Company Coordinated autonomous vehicle automatic area scanning
US10599155B1 (en) 2014-05-20 2020-03-24 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US10817950B1 (en) 2015-01-28 2020-10-27 Arity International Limited Usage-based policies
US10846799B2 (en) 2015-01-28 2020-11-24 Arity International Limited Interactive dashboard display
US10977601B2 (en) 2011-06-29 2021-04-13 State Farm Mutual Automobile Insurance Company Systems and methods for controlling the collection of vehicle use data using a mobile device
US11242051B1 (en) 2016-01-22 2022-02-08 State Farm Mutual Automobile Insurance Company Autonomous vehicle action communications
US11441916B1 (en) 2016-01-22 2022-09-13 State Farm Mutual Automobile Insurance Company Autonomous vehicle trip routing
US11669090B2 (en) 2014-05-20 2023-06-06 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US11719545B2 (en) 2016-01-22 2023-08-08 Hyundai Motor Company Autonomous vehicle component damage and salvage assessment

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4438091A1 (en) * 1993-10-26 1995-04-27 Alps Electric Co Ltd Anti-theft protection device
GB2373614A (en) * 2001-03-21 2002-09-25 Int Computers Ltd Vehicle security system and method
GB2402840A (en) * 2003-06-10 2004-12-15 Guy Frank Howard Walker Mobile with wireless key entry system
EP1557780A1 (en) * 2004-01-23 2005-07-27 Progressive Casualty Insurance Company Monitoring system for determining and communicating a cost of insurance
EP1921580A1 (en) * 2006-11-07 2008-05-14 András Kovács Efficient implementation of electronic data collection assisted vehicle insurance schemes
US20080150683A1 (en) * 2006-12-21 2008-06-26 Cingular Wireless Ii, Llc Wireless Device As Programmable Vehicle Key

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2861202B1 (en) * 2003-10-21 2007-01-19 Paul Grison INFORMATION CONTROL SYSTEM RELATING TO A VEHICLE

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE4438091A1 (en) * 1993-10-26 1995-04-27 Alps Electric Co Ltd Anti-theft protection device
GB2373614A (en) * 2001-03-21 2002-09-25 Int Computers Ltd Vehicle security system and method
GB2402840A (en) * 2003-06-10 2004-12-15 Guy Frank Howard Walker Mobile with wireless key entry system
EP1557780A1 (en) * 2004-01-23 2005-07-27 Progressive Casualty Insurance Company Monitoring system for determining and communicating a cost of insurance
EP1921580A1 (en) * 2006-11-07 2008-05-14 András Kovács Efficient implementation of electronic data collection assisted vehicle insurance schemes
US20080150683A1 (en) * 2006-12-21 2008-06-26 Cingular Wireless Ii, Llc Wireless Device As Programmable Vehicle Key

Non-Patent Citations (3)

* Cited by examiner, † Cited by third party
Title
CARMELA TRONCOSO ET AL: "PriPAYD: Privacy Friendly Pay-As-You-Drive Insurance", WPES '07, ACM, US, 29 October 2007 (2007-10-29), pages 99 - 107, XP007908850, ISBN: 978-1-59593-883-1 *
HEINZMANN P: "Technische Möglichkeiten zur Positionserfassung", INTERNET CITATION, 23 January 2007 (2007-01-23), pages 1 - 34, XP007908888, Retrieved from the Internet <URL:http://www.datenschutz-forum.ch/veranstaltungen/20070123-Personenverfolgung/1-LokalisierungObjektePersonen_Heinzmann.pdf> [retrieved on 20090617] *
WEBER S G ET AL: "Towards an Architecture for Balancing Privacy and Traceability in Ubiquitous Computing Environments", AVAILABILITY, RELIABILITY AND SECURITY, 2008. ARES 08. THIRD INTERNATIONAL CONFERENCE ON, IEEE, PISCATAWAY, NJ, USA, 4 March 2008 (2008-03-04), pages 958 - 964, XP031264787, ISBN: 978-0-7695-3102-1 *

Cited By (200)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10949925B2 (en) 2011-06-29 2021-03-16 State Farm Mutual Automobile Insurance Company Systems and methods using a mobile device to collect data for insurance premiums
US10977601B2 (en) 2011-06-29 2021-04-13 State Farm Mutual Automobile Insurance Company Systems and methods for controlling the collection of vehicle use data using a mobile device
US8930231B2 (en) 2011-06-29 2015-01-06 State Farm Mutual Automobile Insurance Company Methods using a mobile device to provide data for insurance premiums to a remote computer
US10304139B2 (en) 2011-06-29 2019-05-28 State Farm Mutual Automobile Insurance Company Systems and methods using a mobile device to collect data for insurance premiums
US9865018B2 (en) 2011-06-29 2018-01-09 State Farm Mutual Automobile Insurance Company Systems and methods using a mobile device to collect data for insurance premiums
US10424022B2 (en) 2011-06-29 2019-09-24 State Farm Mutual Automobile Insurance Company Methods using a mobile device to provide data for insurance premiums to a remote computer
US8930229B2 (en) 2011-06-29 2015-01-06 State Farm Mutual Automobile Insurance Company Systems and methods using a mobile device to collect data for insurance premiums
US10410288B2 (en) 2011-06-29 2019-09-10 State Farm Mutual Automobile Insurance Company Methods using a mobile device to provide data for insurance premiums to a remote computer
US10504188B2 (en) 2011-06-29 2019-12-10 State Farm Mutual Automobile Insurance Company Systems and methods using a mobile device to collect data for insurance premiums
US10402907B2 (en) 2011-06-29 2019-09-03 State Farm Mutual Automobile Insurance Company Methods to determine a vehicle insurance premium based on vehicle operation data collected via a mobile device
US9990782B2 (en) 2012-04-13 2018-06-05 Walter Steven Rosenbaum Method for analyzing operation characteristics of a vehicle driver
EP2650845A3 (en) * 2012-04-13 2015-03-25 Walter Steven Rosenbaum Method for analyzing operation characteristics of a vehicle driver
US9830748B2 (en) 2012-04-13 2017-11-28 Walter Steven Rosenbaum Method for analyzing operation characteristics of a vehicle driver
US10269190B2 (en) 2012-04-13 2019-04-23 Walter Steven Rosenbaum System for analyzing operation characteristics of a vehicle driver
EP2667349A1 (en) * 2012-05-22 2013-11-27 State Farm Insurance Systems and methods using a mobile device to collect data for insurance premiums
EP2725556A3 (en) * 2012-10-24 2016-11-30 State Farm Insurance Systems and methods for controlling the collection of vehicle use data using a mobile device
US10223752B1 (en) 2013-10-18 2019-03-05 State Farm Mutual Automobile Insurance Company Assessing risk using vehicle environment information
US10991170B1 (en) 2013-10-18 2021-04-27 State Farm Mutual Automobile Insurance Company Vehicle sensor collection of other vehicle information
US9477990B1 (en) 2013-10-18 2016-10-25 State Farm Mutual Automobile Insurance Company Creating a virtual model of a vehicle event based on sensor information
US9361650B2 (en) 2013-10-18 2016-06-07 State Farm Mutual Automobile Insurance Company Synchronization of vehicle sensor information
US9275417B2 (en) 2013-10-18 2016-03-01 State Farm Mutual Automobile Insurance Company Synchronization of vehicle sensor information
US10140417B1 (en) 2013-10-18 2018-11-27 State Farm Mutual Automobile Insurance Company Creating a virtual model of a vehicle event
US9262787B2 (en) 2013-10-18 2016-02-16 State Farm Mutual Automobile Insurance Company Assessing risk using vehicle environment information
US9147219B2 (en) 2013-10-18 2015-09-29 State Farm Mutual Automobile Insurance Company Synchronization of vehicle sensor information
US8954226B1 (en) 2013-10-18 2015-02-10 State Farm Mutual Automobile Insurance Company Systems and methods for visualizing an accident involving a vehicle
US9892567B2 (en) 2013-10-18 2018-02-13 State Farm Mutual Automobile Insurance Company Vehicle sensor collection of other vehicle information
US9754325B1 (en) 2014-05-20 2017-09-05 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US11127086B2 (en) 2014-05-20 2021-09-21 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10726499B1 (en) 2014-05-20 2020-07-28 State Farm Mutual Automoible Insurance Company Accident fault determination for autonomous vehicles
US10719886B1 (en) 2014-05-20 2020-07-21 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US9852475B1 (en) 2014-05-20 2017-12-26 State Farm Mutual Automobile Insurance Company Accident risk model determination using autonomous vehicle operating data
US11869092B2 (en) 2014-05-20 2024-01-09 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US10719885B1 (en) 2014-05-20 2020-07-21 State Farm Mutual Automobile Insurance Company Autonomous feature use monitoring and insurance pricing
US10599155B1 (en) 2014-05-20 2020-03-24 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US9972054B1 (en) 2014-05-20 2018-05-15 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10726498B1 (en) 2014-05-20 2020-07-28 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US11080794B2 (en) 2014-05-20 2021-08-03 State Farm Mutual Automobile Insurance Company Autonomous vehicle technology effectiveness determination for insurance pricing
US10963969B1 (en) 2014-05-20 2021-03-30 State Farm Mutual Automobile Insurance Company Autonomous communication feature use and insurance pricing
US10529027B1 (en) 2014-05-20 2020-01-07 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US10026130B1 (en) 2014-05-20 2018-07-17 State Farm Mutual Automobile Insurance Company Autonomous vehicle collision risk assessment
US10510123B1 (en) 2014-05-20 2019-12-17 State Farm Mutual Automobile Insurance Company Accident risk model determination using autonomous vehicle operating data
US10055794B1 (en) 2014-05-20 2018-08-21 State Farm Mutual Automobile Insurance Company Determining autonomous vehicle technology performance for insurance pricing and offering
US10504306B1 (en) 2014-05-20 2019-12-10 State Farm Mutual Automobile Insurance Company Accident response using autonomous vehicle monitoring
US11710188B2 (en) 2014-05-20 2023-07-25 State Farm Mutual Automobile Insurance Company Autonomous communication feature use and insurance pricing
US10089693B1 (en) 2014-05-20 2018-10-02 State Farm Mutual Automobile Insurance Company Fully autonomous vehicle insurance pricing
US9805423B1 (en) 2014-05-20 2017-10-31 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US11669090B2 (en) 2014-05-20 2023-06-06 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US9858621B1 (en) 2014-05-20 2018-01-02 State Farm Mutual Automobile Insurance Company Autonomous vehicle technology effectiveness determination for insurance pricing
US9792656B1 (en) 2014-05-20 2017-10-17 State Farm Mutual Automobile Insurance Company Fault determination with autonomous feature use monitoring
US11023629B1 (en) 2014-05-20 2021-06-01 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature evaluation
US10748218B2 (en) 2014-05-20 2020-08-18 State Farm Mutual Automobile Insurance Company Autonomous vehicle technology effectiveness determination for insurance pricing
US9767516B1 (en) 2014-05-20 2017-09-19 State Farm Mutual Automobile Insurance Company Driver feedback alerts based upon monitoring use of autonomous vehicle
US9715711B1 (en) 2014-05-20 2017-07-25 State Farm Mutual Automobile Insurance Company Autonomous vehicle insurance pricing and offering based upon accident risk
US11282143B1 (en) 2014-05-20 2022-03-22 State Farm Mutual Automobile Insurance Company Fully autonomous vehicle insurance pricing
US10181161B1 (en) 2014-05-20 2019-01-15 State Farm Mutual Automobile Insurance Company Autonomous communication feature use
US10185997B1 (en) 2014-05-20 2019-01-22 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10185998B1 (en) 2014-05-20 2019-01-22 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10185999B1 (en) 2014-05-20 2019-01-22 State Farm Mutual Automobile Insurance Company Autonomous feature use monitoring and telematics
US11288751B1 (en) 2014-05-20 2022-03-29 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US9646428B1 (en) 2014-05-20 2017-05-09 State Farm Mutual Automobile Insurance Company Accident response using autonomous vehicle monitoring
US10223479B1 (en) 2014-05-20 2019-03-05 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature evaluation
US11386501B1 (en) 2014-05-20 2022-07-12 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10373259B1 (en) 2014-05-20 2019-08-06 State Farm Mutual Automobile Insurance Company Fully autonomous vehicle insurance pricing
US10354330B1 (en) 2014-05-20 2019-07-16 State Farm Mutual Automobile Insurance Company Autonomous feature use monitoring and insurance pricing
US11580604B1 (en) 2014-05-20 2023-02-14 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation feature monitoring and evaluation of effectiveness
US11436685B1 (en) 2014-05-20 2022-09-06 State Farm Mutual Automobile Insurance Company Fault determination with autonomous feature use monitoring
US11010840B1 (en) 2014-05-20 2021-05-18 State Farm Mutual Automobile Insurance Company Fault determination with autonomous feature use monitoring
US10319039B1 (en) 2014-05-20 2019-06-11 State Farm Mutual Automobile Insurance Company Accident fault determination for autonomous vehicles
US10540723B1 (en) 2014-07-21 2020-01-21 State Farm Mutual Automobile Insurance Company Methods of providing insurance savings based upon telematics and usage-based insurance
US10475127B1 (en) 2014-07-21 2019-11-12 State Farm Mutual Automobile Insurance Company Methods of providing insurance savings based upon telematics and insurance incentives
US11565654B2 (en) 2014-07-21 2023-01-31 State Farm Mutual Automobile Insurance Company Methods of providing insurance savings based upon telematics and driving behavior identification
US10974693B1 (en) 2014-07-21 2021-04-13 State Farm Mutual Automobile Insurance Company Methods of theft prevention or mitigation
US10832327B1 (en) 2014-07-21 2020-11-10 State Farm Mutual Automobile Insurance Company Methods of providing insurance savings based upon telematics and driving behavior identification
US10997849B1 (en) 2014-07-21 2021-05-04 State Farm Mutual Automobile Insurance Company Methods of facilitating emergency assistance
US9786154B1 (en) 2014-07-21 2017-10-10 State Farm Mutual Automobile Insurance Company Methods of facilitating emergency assistance
US9783159B1 (en) 2014-07-21 2017-10-10 State Farm Mutual Automobile Insurance Company Methods of theft prevention or mitigation
US11030696B1 (en) 2014-07-21 2021-06-08 State Farm Mutual Automobile Insurance Company Methods of providing insurance savings based upon telematics and anonymous driver data
US10723312B1 (en) 2014-07-21 2020-07-28 State Farm Mutual Automobile Insurance Company Methods of theft prevention or mitigation
US11634103B2 (en) 2014-07-21 2023-04-25 State Farm Mutual Automobile Insurance Company Methods of facilitating emergency assistance
US11634102B2 (en) 2014-07-21 2023-04-25 State Farm Mutual Automobile Insurance Company Methods of facilitating emergency assistance
US11069221B1 (en) 2014-07-21 2021-07-20 State Farm Mutual Automobile Insurance Company Methods of facilitating emergency assistance
US10387962B1 (en) 2014-07-21 2019-08-20 State Farm Mutual Automobile Insurance Company Methods of reconstructing an accident scene using telematics data
US11257163B1 (en) 2014-07-21 2022-02-22 State Farm Mutual Automobile Insurance Company Methods of pre-generating insurance claims
US11068995B1 (en) 2014-07-21 2021-07-20 State Farm Mutual Automobile Insurance Company Methods of reconstructing an accident scene using telematics data
US10102587B1 (en) 2014-07-21 2018-10-16 State Farm Mutual Automobile Insurance Company Methods of pre-generating insurance claims
US9944282B1 (en) 2014-11-13 2018-04-17 State Farm Mutual Automobile Insurance Company Autonomous vehicle automatic parking
US11954482B2 (en) 2014-11-13 2024-04-09 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US10431018B1 (en) 2014-11-13 2019-10-01 State Farm Mutual Automobile Insurance Company Autonomous vehicle operating status assessment
US11247670B1 (en) 2014-11-13 2022-02-15 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US10940866B1 (en) 2014-11-13 2021-03-09 State Farm Mutual Automobile Insurance Company Autonomous vehicle operating status assessment
US10416670B1 (en) 2014-11-13 2019-09-17 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US11173918B1 (en) 2014-11-13 2021-11-16 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US11175660B1 (en) 2014-11-13 2021-11-16 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US10943303B1 (en) 2014-11-13 2021-03-09 State Farm Mutual Automobile Insurance Company Autonomous vehicle operating style and mode monitoring
US10157423B1 (en) 2014-11-13 2018-12-18 State Farm Mutual Automobile Insurance Company Autonomous vehicle operating style and mode monitoring
US11720968B1 (en) 2014-11-13 2023-08-08 State Farm Mutual Automobile Insurance Company Autonomous vehicle insurance based upon usage
US11726763B2 (en) 2014-11-13 2023-08-15 State Farm Mutual Automobile Insurance Company Autonomous vehicle automatic parking
US11740885B1 (en) 2014-11-13 2023-08-29 State Farm Mutual Automobile Insurance Company Autonomous vehicle software version assessment
US11748085B2 (en) 2014-11-13 2023-09-05 State Farm Mutual Automobile Insurance Company Autonomous vehicle operator identification
US11127290B1 (en) 2014-11-13 2021-09-21 State Farm Mutual Automobile Insurance Company Autonomous vehicle infrastructure communication device
US10007263B1 (en) 2014-11-13 2018-06-26 State Farm Mutual Automobile Insurance Company Autonomous vehicle accident and emergency response
US10915965B1 (en) 2014-11-13 2021-02-09 State Farm Mutual Automobile Insurance Company Autonomous vehicle insurance based upon usage
US11532187B1 (en) 2014-11-13 2022-12-20 State Farm Mutual Automobile Insurance Company Autonomous vehicle operating status assessment
US10166994B1 (en) 2014-11-13 2019-01-01 State Farm Mutual Automobile Insurance Company Autonomous vehicle operating status assessment
US11645064B2 (en) 2014-11-13 2023-05-09 State Farm Mutual Automobile Insurance Company Autonomous vehicle accident and emergency response
US9946531B1 (en) 2014-11-13 2018-04-17 State Farm Mutual Automobile Insurance Company Autonomous vehicle software version assessment
US11500377B1 (en) 2014-11-13 2022-11-15 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US10831204B1 (en) 2014-11-13 2020-11-10 State Farm Mutual Automobile Insurance Company Autonomous vehicle automatic parking
US11494175B2 (en) 2014-11-13 2022-11-08 State Farm Mutual Automobile Insurance Company Autonomous vehicle operating status assessment
US10241509B1 (en) 2014-11-13 2019-03-26 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US11977874B2 (en) 2014-11-13 2024-05-07 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US10353694B1 (en) 2014-11-13 2019-07-16 State Farm Mutual Automobile Insurance Company Autonomous vehicle software version assessment
US10246097B1 (en) 2014-11-13 2019-04-02 State Farm Mutual Automobile Insurance Company Autonomous vehicle operator identification
US10266180B1 (en) 2014-11-13 2019-04-23 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US11014567B1 (en) 2014-11-13 2021-05-25 State Farm Mutual Automobile Insurance Company Autonomous vehicle operator identification
US10824144B1 (en) 2014-11-13 2020-11-03 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US10824415B1 (en) 2014-11-13 2020-11-03 State Farm Automobile Insurance Company Autonomous vehicle software version assessment
US10821971B1 (en) 2014-11-13 2020-11-03 State Farm Mutual Automobile Insurance Company Autonomous vehicle automatic parking
US10336321B1 (en) 2014-11-13 2019-07-02 State Farm Mutual Automobile Insurance Company Autonomous vehicle control assessment and selection
US11948199B2 (en) 2015-01-28 2024-04-02 Arity International Limited Interactive dashboard display
US10817950B1 (en) 2015-01-28 2020-10-27 Arity International Limited Usage-based policies
US9569799B2 (en) 2015-01-28 2017-02-14 Allstate Insurance Company Risk unit based policies
US10776877B2 (en) 2015-01-28 2020-09-15 Arity International Limited Risk unit based policies
US9390452B1 (en) 2015-01-28 2016-07-12 Allstate Insurance Company Risk unit based policies
US11645721B1 (en) 2015-01-28 2023-05-09 Arity International Limited Usage-based policies
US9569798B2 (en) 2015-01-28 2017-02-14 Allstate Insurance Company Risk unit based policies
US10719880B2 (en) 2015-01-28 2020-07-21 Arity International Limited Risk unit based policies
US10586288B2 (en) 2015-01-28 2020-03-10 Arity International Limited Risk unit based policies
US10861100B2 (en) 2015-01-28 2020-12-08 Arity International Limited Risk unit based policies
US10846799B2 (en) 2015-01-28 2020-11-24 Arity International Limited Interactive dashboard display
US11651438B2 (en) 2015-01-28 2023-05-16 Arity International Limited Risk unit based policies
US10475128B2 (en) 2015-01-28 2019-11-12 Arity International Limited Risk unit based policies
US9361599B1 (en) * 2015-01-28 2016-06-07 Allstate Insurance Company Risk unit based policies
US10163350B1 (en) 2015-08-28 2018-12-25 State Farm Mutual Automobile Insurance Company Vehicular driver warnings
US11107365B1 (en) 2015-08-28 2021-08-31 State Farm Mutual Automobile Insurance Company Vehicular driver evaluation
US9805601B1 (en) 2015-08-28 2017-10-31 State Farm Mutual Automobile Insurance Company Vehicular traffic alerts for avoidance of abnormal traffic conditions
US10977945B1 (en) 2015-08-28 2021-04-13 State Farm Mutual Automobile Insurance Company Vehicular driver warnings
US9868394B1 (en) 2015-08-28 2018-01-16 State Farm Mutual Automobile Insurance Company Vehicular warnings based upon pedestrian or cyclist presence
US9870649B1 (en) 2015-08-28 2018-01-16 State Farm Mutual Automobile Insurance Company Shared vehicle usage, monitoring and feedback
US10019901B1 (en) 2015-08-28 2018-07-10 State Farm Mutual Automobile Insurance Company Vehicular traffic alerts for avoidance of abnormal traffic conditions
US10026237B1 (en) 2015-08-28 2018-07-17 State Farm Mutual Automobile Insurance Company Shared vehicle usage, monitoring and feedback
US10106083B1 (en) 2015-08-28 2018-10-23 State Farm Mutual Automobile Insurance Company Vehicular warnings based upon pedestrian or cyclist presence
US10769954B1 (en) 2015-08-28 2020-09-08 State Farm Mutual Automobile Insurance Company Vehicular driver warnings
US10242513B1 (en) 2015-08-28 2019-03-26 State Farm Mutual Automobile Insurance Company Shared vehicle usage, monitoring and feedback
US10325491B1 (en) 2015-08-28 2019-06-18 State Farm Mutual Automobile Insurance Company Vehicular traffic alerts for avoidance of abnormal traffic conditions
US11450206B1 (en) 2015-08-28 2022-09-20 State Farm Mutual Automobile Insurance Company Vehicular traffic alerts for avoidance of abnormal traffic conditions
US10748419B1 (en) 2015-08-28 2020-08-18 State Farm Mutual Automobile Insurance Company Vehicular traffic alerts for avoidance of abnormal traffic conditions
US10343605B1 (en) 2015-08-28 2019-07-09 State Farm Mutual Automotive Insurance Company Vehicular warning based upon pedestrian or cyclist presence
US10950065B1 (en) 2015-08-28 2021-03-16 State Farm Mutual Automobile Insurance Company Shared vehicle usage, monitoring and feedback
US11348193B1 (en) 2016-01-22 2022-05-31 State Farm Mutual Automobile Insurance Company Component damage and salvage assessment
US11526167B1 (en) 2016-01-22 2022-12-13 State Farm Mutual Automobile Insurance Company Autonomous vehicle component maintenance and repair
US10679497B1 (en) 2016-01-22 2020-06-09 State Farm Mutual Automobile Insurance Company Autonomous vehicle application
US11119477B1 (en) 2016-01-22 2021-09-14 State Farm Mutual Automobile Insurance Company Anomalous condition detection and response for autonomous vehicles
US10545024B1 (en) 2016-01-22 2020-01-28 State Farm Mutual Automobile Insurance Company Autonomous vehicle trip routing
US11124186B1 (en) 2016-01-22 2021-09-21 State Farm Mutual Automobile Insurance Company Autonomous vehicle control signal
US10503168B1 (en) 2016-01-22 2019-12-10 State Farm Mutual Automotive Insurance Company Autonomous vehicle retrieval
US11126184B1 (en) 2016-01-22 2021-09-21 State Farm Mutual Automobile Insurance Company Autonomous vehicle parking
US10493936B1 (en) 2016-01-22 2019-12-03 State Farm Mutual Automobile Insurance Company Detecting and responding to autonomous vehicle collisions
US10482226B1 (en) 2016-01-22 2019-11-19 State Farm Mutual Automobile Insurance Company System and method for autonomous vehicle sharing using facial recognition
US11181930B1 (en) 2016-01-22 2021-11-23 State Farm Mutual Automobile Insurance Company Method and system for enhancing the functionality of a vehicle
US11189112B1 (en) 2016-01-22 2021-11-30 State Farm Mutual Automobile Insurance Company Autonomous vehicle sensor malfunction detection
US11242051B1 (en) 2016-01-22 2022-02-08 State Farm Mutual Automobile Insurance Company Autonomous vehicle action communications
US10469282B1 (en) 2016-01-22 2019-11-05 State Farm Mutual Automobile Insurance Company Detecting and responding to autonomous environment incidents
US10395332B1 (en) 2016-01-22 2019-08-27 State Farm Mutual Automobile Insurance Company Coordinated autonomous vehicle automatic area scanning
US10386192B1 (en) 2016-01-22 2019-08-20 State Farm Mutual Automobile Insurance Company Autonomous vehicle routing
US10386845B1 (en) 2016-01-22 2019-08-20 State Farm Mutual Automobile Insurance Company Autonomous vehicle parking
US10691126B1 (en) 2016-01-22 2020-06-23 State Farm Mutual Automobile Insurance Company Autonomous vehicle refueling
US10384678B1 (en) 2016-01-22 2019-08-20 State Farm Mutual Automobile Insurance Company Autonomous vehicle action communications
US11062414B1 (en) 2016-01-22 2021-07-13 State Farm Mutual Automobile Insurance Company System and method for autonomous vehicle ride sharing using facial recognition
US11441916B1 (en) 2016-01-22 2022-09-13 State Farm Mutual Automobile Insurance Company Autonomous vehicle trip routing
US10747234B1 (en) 2016-01-22 2020-08-18 State Farm Mutual Automobile Insurance Company Method and system for enhancing the functionality of a vehicle
US10324463B1 (en) 2016-01-22 2019-06-18 State Farm Mutual Automobile Insurance Company Autonomous vehicle operation adjustment based upon route
US11022978B1 (en) 2016-01-22 2021-06-01 State Farm Mutual Automobile Insurance Company Autonomous vehicle routing during emergencies
US11513521B1 (en) 2016-01-22 2022-11-29 State Farm Mutual Automobile Insurance Copmany Autonomous vehicle refueling
US10579070B1 (en) 2016-01-22 2020-03-03 State Farm Mutual Automobile Insurance Company Method and system for repairing a malfunctioning autonomous vehicle
US10308246B1 (en) 2016-01-22 2019-06-04 State Farm Mutual Automobile Insurance Company Autonomous vehicle signal control
US10295363B1 (en) 2016-01-22 2019-05-21 State Farm Mutual Automobile Insurance Company Autonomous operation suitability assessment and mapping
US10249109B1 (en) 2016-01-22 2019-04-02 State Farm Mutual Automobile Insurance Company Autonomous vehicle sensor malfunction detection
US11600177B1 (en) 2016-01-22 2023-03-07 State Farm Mutual Automobile Insurance Company Autonomous vehicle application
US11625802B1 (en) 2016-01-22 2023-04-11 State Farm Mutual Automobile Insurance Company Coordinated autonomous vehicle automatic area scanning
US11016504B1 (en) 2016-01-22 2021-05-25 State Farm Mutual Automobile Insurance Company Method and system for repairing a malfunctioning autonomous vehicle
US10185327B1 (en) 2016-01-22 2019-01-22 State Farm Mutual Automobile Insurance Company Autonomous vehicle path coordination
US10168703B1 (en) 2016-01-22 2019-01-01 State Farm Mutual Automobile Insurance Company Autonomous vehicle component malfunction impact assessment
US10156848B1 (en) 2016-01-22 2018-12-18 State Farm Mutual Automobile Insurance Company Autonomous vehicle routing during emergencies
US10134278B1 (en) 2016-01-22 2018-11-20 State Farm Mutual Automobile Insurance Company Autonomous vehicle application
US11656978B1 (en) 2016-01-22 2023-05-23 State Farm Mutual Automobile Insurance Company Virtual testing of autonomous environment control system
US11015942B1 (en) 2016-01-22 2021-05-25 State Farm Mutual Automobile Insurance Company Autonomous vehicle routing
US11682244B1 (en) 2016-01-22 2023-06-20 State Farm Mutual Automobile Insurance Company Smart home sensor malfunction detection
US10086782B1 (en) 2016-01-22 2018-10-02 State Farm Mutual Automobile Insurance Company Autonomous vehicle damage and salvage assessment
US11719545B2 (en) 2016-01-22 2023-08-08 Hyundai Motor Company Autonomous vehicle component damage and salvage assessment
US10065517B1 (en) 2016-01-22 2018-09-04 State Farm Mutual Automobile Insurance Company Autonomous electric vehicle charging
US10042359B1 (en) 2016-01-22 2018-08-07 State Farm Mutual Automobile Insurance Company Autonomous vehicle refueling
US10802477B1 (en) 2016-01-22 2020-10-13 State Farm Mutual Automobile Insurance Company Virtual testing of autonomous environment control system
US10818105B1 (en) 2016-01-22 2020-10-27 State Farm Mutual Automobile Insurance Company Sensor malfunction detection
US9940834B1 (en) 2016-01-22 2018-04-10 State Farm Mutual Automobile Insurance Company Autonomous vehicle application
US11879742B2 (en) 2016-01-22 2024-01-23 State Farm Mutual Automobile Insurance Company Autonomous vehicle application
US11920938B2 (en) 2016-01-22 2024-03-05 Hyundai Motor Company Autonomous electric vehicle charging
US10824145B1 (en) 2016-01-22 2020-11-03 State Farm Mutual Automobile Insurance Company Autonomous vehicle component maintenance and repair
US10829063B1 (en) 2016-01-22 2020-11-10 State Farm Mutual Automobile Insurance Company Autonomous vehicle damage and salvage assessment
US10828999B1 (en) 2016-01-22 2020-11-10 State Farm Mutual Automobile Insurance Company Autonomous electric vehicle charging

Also Published As

Publication number Publication date
FR2936631A1 (en) 2010-04-02
FR2936631B1 (en) 2011-03-25

Similar Documents

Publication Publication Date Title
WO2010034909A1 (en) Method and device for authenticating transmitted data related to the use of a vehicle and/or to the behaviour of the driver thereof
JP7475521B2 (en) Automatic driver identification
CN109844793B (en) OEM line assembly system based on intelligent and remote information processing and corresponding method thereof
US8117049B2 (en) Methods, systems, and apparatuses for determining driver behavior
US10445758B1 (en) Providing rewards based on driving behaviors detected by a mobile computing device
KR20200005726A (en) Power and Communication Modes in Digital Vehicle License Plates
WO2017190595A1 (en) Vehicle data processing method, apparatus, and terminal device
FR2914080A1 (en) SYSTEM AND METHOD FOR MANAGING DATA FROM AND TO A MOTOR VEHICLE.
JP2007213324A (en) Driving evaluation support system and method for calculating driving evaluation data
EP3138179A1 (en) Method and device for monitoring the electrical battery of a vehicle
EP1118965A1 (en) Controlling apparatus of a road vehicle and onboard electronic system comprising such a device
WO2023186371A1 (en) Method and system for estimating the remaining useful life of tyres for transport vehicles on the basis of telematic data
FR3056002B1 (en) METHOD FOR ANALYZING DATA OF VEHICLE COMPONENTS
EP3760506A1 (en) Method for characterising the state of a road
EP3635690B1 (en) Device for recording movement data, corresponding method and program
US20200302702A1 (en) Identifying a driving mode of an autonomous vehicle
WO2023186372A1 (en) System and method allowing acoustic detection of the phases of a mining-truck cycle
FR2712106A1 (en) Recording device of the type intended to be placed on an automobile road vehicle
WO2020144241A1 (en) Identifying a vehicle at standstill and the location of same
US20230267773A1 (en) Verifying mobile telematics with vehicle information
FR2905024A1 (en) Mobile e.g. vehicle, displacement analyzing device for e.g. defining functionalities of vehicle, has communication unit transferring data towards receiver to parameter remote device and to warn user, when static threshold is attained
EP2562518B1 (en) Device and method for evaluating the driving of a vehicle.
EP4312177A1 (en) Vehicle identification number modeling for telematics
FR3139652A1 (en) Vehicle journey tracking
FR3132781A3 (en) Vehicle monitoring device.

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 09748825

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 09748825

Country of ref document: EP

Kind code of ref document: A1