WO2015181583A1 - Procédé de gestion d'un programme de récompenses accordées à des conducteurs, et système associé - Google Patents

Procédé de gestion d'un programme de récompenses accordées à des conducteurs, et système associé Download PDF

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Publication number
WO2015181583A1
WO2015181583A1 PCT/IB2014/061845 IB2014061845W WO2015181583A1 WO 2015181583 A1 WO2015181583 A1 WO 2015181583A1 IB 2014061845 W IB2014061845 W IB 2014061845W WO 2015181583 A1 WO2015181583 A1 WO 2015181583A1
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WO
WIPO (PCT)
Prior art keywords
driver
vehicle
programme
compliance
points
Prior art date
Application number
PCT/IB2014/061845
Other languages
English (en)
Inventor
Allan QUINN
Jenny WEWEGE
Jo-Anne Julia FRASER
Nirodh Rabichand KISSUN
Original Assignee
Discovery Limited
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 Discovery Limited filed Critical Discovery Limited
Priority to PCT/IB2014/061845 priority Critical patent/WO2015181583A1/fr
Publication of WO2015181583A1 publication Critical patent/WO2015181583A1/fr

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Classifications

    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067—Enterprise or organisation modelling

Definitions

  • the present invention relates to a method of managing a driver rewards programme and a system therefor.
  • the present invention seeks to address by providing a rewards programme around vehicle ownership and a system therefor.
  • a method of managing a driver rewards programme including: receiving data including information relating to the compliance of a driver in at least one programme area related to motor vehicle driver behaviours and storing the data in a database; awarding points to the driver wherein the points allocated are related to the compliance of the driver in the at least one programme area; and using the points allocated to determine a financing model for the driver to purchase a motor vehicle wherein the financing model is based on the points allocated to the driver so that the better the driver compliance in the at least one programme area the better the financing model for the driver.
  • the points allocated may be used to award a driver status, wherein the driver status is used to determine the financing model.
  • the financing model may be the better the driver status the larger the trade in value the driver will obtain for their existing vehicle.
  • the plurality of programme areas may include at least some of vehicle maintenance, driver education, vehicle insurance claims and driving performance.
  • the plurality of programme areas may include all of vehicle maintenance, driver education, vehicle insurance claims and driving performance.
  • the programme area of vehicle maintenance includes one or more of servicing the vehicle, checking the vehicle and checking the vehicles tyres.
  • the programme area of driver education includes one or more of a driving course, a driver assessment, a periodic driver quiz and a carbon footprint calculation.
  • the programme area of vehicle insurance claims includes the number of claim free years.
  • the programme area of driving score includes monitoring the manner in which the motor vehicle is driven.
  • a system for managing a driver rewards programme including: a receiving module for receiving data relating to the compliance of a driver in a plurality of programme areas related to motor vehicle driver behaviours; a calculation module to award points to the driver wherein the points allocated are related to the compliance of the driver in the programme areas; and a rewards module to use the points allocated to determine a financing mode! for the driver to purchase a motor vehicle wherein the financing model is based on the points allocated to the driver so that the better the driver compliance in the at least one programme area the better the financing model for the driver.
  • the calculation module may use the points allocated to determine a driver status, wherein the driver status is used to determine the financing model.
  • the financing model may be the better the driver status the larger the trade in value the driver will obtain for their existing vehicle.
  • the plurality of programme areas includes at least some of vehicle maintenance, driver education, vehicle insurance claims and driving performance. in another example, the plurality of programme areas includes all of vehicle maintenance, driver education, vehicle insurance claims and driving performance.
  • the programme area of vehicle maintenance may include one or more of servicing the vehicle, checking the vehicle and checking the vehicles tyres.
  • Te programme area of driver education may include one or more of a driving course, a driver assessment, a periodic driver quiz and a carbon footprint calculation.
  • the programme area of vehicle insurance claims may include the number of claim free years.
  • the programme area of driving score may include monitoring the manner in which the motor vehicle is driven.
  • system may further include: the receiving module obtains driver data from a device associated with a motor vehicle; and the analysing module analyses the data to determine the manner in which the motor vehicle has been driven for a past period.
  • FIG. 1 is a block diagram illustrating an example system to implement the methodologies described herein;
  • FIG. 2 illustrates an example system environment in which the embodiment is implemented.
  • Figure 3 is a block diagram illustrating an example embodiment method.
  • the present invention relates to a method of managing a driver rewards programme and a system therefor.
  • an information processing system 10 may include a server 12 that includes a number of modules to implement the present invention.
  • modules described below may be implemented by a machine-readable medium embodying instructions which, when executed by a machine, cause the machine to perform any of the methods described above.
  • modules may be implemented using firmware programmed specifically to execute the method described herein.
  • the modules illustrated could be located on one or more servers operated by one or more institutions. It will also be appreciated that in any of these cases the modules form a physical apparatus with physical modules specifically for executing the steps of the method described herein.
  • the server 12 includes a receiving module 14 to receive the data and to write the data to a memory 16.
  • the memory 16 is typically in the form of a database associated with the server 12.
  • the receiving module 14 receives compliance data containing information relating to the compliance of a driver in at least one programme area typically in a plurality of programme areas related to motor vehicle driver behaviour.
  • the compliance data is stored in the database 16.
  • An analysing module 18 analyses the compliance data to determine driver behaviour. This will be described in more detail below.
  • a calculation module 20 awards points to the driver wherein the points allocated are related to the compliance of the driver in one or more of the programme areas. An example of this is described below.
  • the points allocated are used by a rewards module 22 to determine a financing model for the driver to purchase a motor vehicle wherein the financing model is based on the points allocated to the driver so that the better the driver compliance in the at least one programme area the better the financing model for the driver.
  • the plurality of programme areas includes at least some of vehicle maintenance, driver education, vehicle insurance claims, premium payments, policy updates and driving performance.
  • the plurality of programme areas includes all of the abovementioned programme areas.
  • the programme area of vehicle maintenance includes one or more of servicing the vehicle, checking the vehicle and checking the vehicles tyres.
  • servicing the vehicle means that the driver has taken the vehicle to a mechanical workshop for a periodic service to ensure that the vehicle is in good working order.
  • oil and other lubricants are changed, brake pads are changed if required and any other mechanical faults that have arisen in the past period are fixed.
  • the programme area of checking the vehicle entails taking the vehicle to an authorised centre were a number of checks on the different parts of the vehicle are conducted to ensure that the vehicle is in good working order. If anything is found to be not correct, the driver will be instructed to take the vehicle to a workshop for fixing and may be awarded further points for this step.
  • New vehicles may be exempt from the service check for the first year and the insured person will be awarded these points on submission of proof that the vehicle is within its first year since its first registration.
  • Checking the vehicle tyres entails either having the tyres checked as part of the above-mentioned checking of the vehicle or alternatively, taking the vehicle to a specialist tyre centre to have the tyres checked.
  • an interface is created between the server 12 and checking centre via the communications network 24 so that the checking centre can confirm the results of the check.
  • the party doing the checking or servicing will capture data relating to the vehicle and/or driver and periodically transmit this data to the receiving module 14.
  • the programme area of driver education includes one or more of a driving course, a driver assessment, a periodic driver quiz and a carbon footprint calculation.
  • Driving courses are attended by drivers to improve their driving skills and particularly to learn so-called defensive driving skills.
  • a driver assessment is conducted in one example embodiment by an assessor taking the driver in the vehicle onto the road and assessing the driving skills and habits of the driver.
  • the driver is given an assessment score.
  • the driver assessment is an online questionnaire designed to highlight certain risks relating to a driver.
  • the questionnaire includes two sections namely. 'Driving habits' and 'State of Vehicle'. For example a question of whether one uses a cellular telephone to send messages while driving will be asked. At the end of the questionnaire (approximately 20 questions) the driver will receive feedback explaining their risk and suggesting ways to mitigate their risks. Based on the answers received a calculation will be performed to consider the driver's risk relative to an average driver. The results can be illustrated to the driver on two risk bars. One illustrates how risky the driver's habits are, and one illustrates risks relating to the state of the drivers vehicle.
  • a third risk bar may also be included illustrating a combined risk score.
  • the questionnaire may include educational information to address specific areas such as how to drive in wet weather or what to do in the event of an accident.
  • the format will be a paragraph followed by a question relating to the paragraph
  • the driver will typically use a user interface device in the form of a computer with a screen on which is displayed a template for the driver to capture answers to questions put to them.
  • the answers are captured and transmitted to the server 12.
  • the server 12 accesses driver information stored in the database 16 and obtains the driver's e-mail address.
  • An e-mail is then sent to the retrieved e-mail address.
  • a template is displayed to them asking them the relevant questions with options to select various scores.
  • a driver will send the e-mail back to the server 12 via a communications network and the receiving module 16. These will be received and written to the database.
  • the programme area of premium payments relates to the quantum and frequency with which the premium payments are made and if they are made on time or not and the programme area of policy updates relates to whether or not the insured person is updating their policy to accurately reflect what is being insured by the insured person.
  • the programme area of vehicle insurance claims includes the number of claim free years. No fault claims where the driver was not at fault typically will not be calculated as a claim for this.
  • the programme area of driving score includes monitoring the manner in which the motor vehicle is driven. in one example embodiment this is implemented using data received from a telematics device 26 associated with the vehicle 28 which is the vehicle that is insured on the insurance policy. It will be appreciated that in one example the telemetry device 12 will be installed in the motor vehicle either at the time of production or retro-fitted.
  • a motor vehicle 28 is fitted with the telemetry device 26.
  • the telemetry device 26 is used to monitor a number of aspects of the use of the motor vehicle.
  • the device monitors the speed at which the vehicle is travelling and can therefore calculate average speed and maximum and minimum speeds, for example.
  • the device is able to determine if speed limits on a particular road have been exceeded.
  • the device is also able to determine braking habits of the driver either using the GPS functionality or by using an accelerometer or having one or more sensors connected to the vehicle or to a deceleration detection device, for example.
  • the device is also typically able to detect the distance travelled and if the driver has driven the vehicle for a long time period without a break. ln addition, the times of the day that the vehicle is being driven can be captured as night time driving is statistically more dangerous than day time driving, especially weekend late night driving.
  • the device will have the ability to detect the driver's use of the vehicle including braking, indicating, cornering and accelerating to name a few examples. Thus it could be determined when the vehicle turns without indicating, for example. in any event, the data from the device is transmitted to the server 12 over a communication network 30.
  • the data could be transmitted via a communication network 30 as illustrated in the accompanying drawing.
  • This communication network could be any suitable kind of communication network such as a mobile communication network, a wireless communication network, a satellite communication network or a combination of these to name but a few examples.
  • the device 26 could be connected to another intermediate device which downloads the data and transmits the data via the communication network 30 to the server 12.
  • One example of this could be connecting the device 26 to a USB port of a computer and downloading the data to the computer, which data is then transmitted over the Internet to the server 2.
  • the data is transmitted over a mobile phone network using the short message service (SMS) protocol.
  • SMS short message service
  • the data could be transmitted at any suitable time to the server.
  • the data could be transmitted in real time or near real time or could be transmitted periodically such as daily, weekly or monthly to name a few examples.
  • the server 12 Once the server 12 receives the data it will analyse the data to determine the manner in which the motor vehicle has been driven for a past predetermined period.
  • analysing module 18 accesses the memory 16 and retrieves the data stored therein.
  • the retrieved data is then used to determine a driving score. For example, the driver starts on a higher number of points which is reduced for each driving infraction, such as each harsh braking, speeding or late night driving instance as can be predetermined by the system managers.
  • the number of points is used to determine a driver status.
  • An example driver status is as follows:
  • the way in which the points are allocated and driver status determined could be varied.
  • the status wiil be determined periodically, for example every month.
  • Defensive driving courses need to be completed every 3 years or any other specified period to earn points and if a defensive driving course has been completed in the past 3 years then the relevant points will be added to the driver score for the present month.
  • the driver status and individual driver telematic scores are communicated to the principle drivers via the communication network 24 as well as the policy holder where the policy holder is different to the driver. in addition, reminders are sent out when a roadworthy check or tyre check is required via the communication network 24.
  • the rewards module 22 determines a financing mode! for the driver to purchase a motor vehicle wherein the financing model is based on the points allocated to the driver so that the better the driver compliance in the at least one programme area the better the financing model for the driver.
  • the driver is able to trade their vehicle back to a dealer after a predetermined amount of time (for example 3 years) and depending on their driver status and vehicle's condition earn on top of their trade-in value a 15% Cashback. If the driver decides he would !ike to trade in his car as well as finance a new car, the cashback will be doubled to 30% on top of his trade in price.
  • the system is able to determine whether a car has been looked after by its owner and hence for drivers on high statuses a higher value can be offered when it is traded in compared to the market rate, which can result in taking depreciation out of the market.
  • a write off accelerator can be provided to the driver for good driver behaviours.
  • Insurers write off a vehicle that has been in an accident if the damage exceeds 70% of the vehicles value, with the Write Off Accelerator, the driver will have the option to write off their vehicle if the damage exceeds 25% of the vehicle value, effectively allowing the driver to sett!e any outstanding ioans and buy a new car.

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Abstract

Un programme de récompenses accordées à des conducteurs consiste à recevoir des données comprenant des informations relatives à la conformité d'un conducteur dans quelques zones de programme relatives aux comportements d'un conducteur de véhicule à moteur. Ces zones de programme peuvent comprendre l'entretien du véhicule, la formation du conducteur, les déclarations de sinistre du véhicule et les performance de conduite. Des points sont ensuite attribués au conducteur d'après la conformité du conducteur dans les zones de programme et les points sont utilisés pour déterminer un modèle de financement permettant au conducteur d'acheter un véhicule à moteur. Plus la conformité du conducteur dans les zones de programme est importante, meilleur sera le modèle de financement pour le conducteur. Dans un exemple, plus la conformité du conducteur est importante, plus la valeur de reprise obtenue par le conducteur pour son véhicule existant sera élevée.
PCT/IB2014/061845 2014-05-30 2014-05-30 Procédé de gestion d'un programme de récompenses accordées à des conducteurs, et système associé WO2015181583A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IB2014/061845 WO2015181583A1 (fr) 2014-05-30 2014-05-30 Procédé de gestion d'un programme de récompenses accordées à des conducteurs, et système associé

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114187489A (zh) * 2021-12-14 2022-03-15 中国平安财产保险股份有限公司 车辆异常驾驶风险检测方法、装置、电子设备及存储介质
US11900330B1 (en) 2019-10-18 2024-02-13 State Farm Mutual Automobile Insurance Company Vehicle telematics systems and methods

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080270519A1 (en) * 2004-05-12 2008-10-30 Hans Ekdahl Method in a Communication Network for Distributing Vehicle Driving Information and System Implementing the Method
US7571128B1 (en) * 2006-01-26 2009-08-04 Ford Motor Company Multi-vehicle incentive program
US20130085819A1 (en) * 2010-04-14 2013-04-04 Discovery Holdings Limited Method of managing a driver rewards programme and a system therefor

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080270519A1 (en) * 2004-05-12 2008-10-30 Hans Ekdahl Method in a Communication Network for Distributing Vehicle Driving Information and System Implementing the Method
US7571128B1 (en) * 2006-01-26 2009-08-04 Ford Motor Company Multi-vehicle incentive program
US20130085819A1 (en) * 2010-04-14 2013-04-04 Discovery Holdings Limited Method of managing a driver rewards programme and a system therefor

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11900330B1 (en) 2019-10-18 2024-02-13 State Farm Mutual Automobile Insurance Company Vehicle telematics systems and methods
CN114187489A (zh) * 2021-12-14 2022-03-15 中国平安财产保险股份有限公司 车辆异常驾驶风险检测方法、装置、电子设备及存储介质
CN114187489B (zh) * 2021-12-14 2024-04-30 中国平安财产保险股份有限公司 车辆异常驾驶风险检测方法、装置、电子设备及存储介质

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