CLIAMS:WE CLAIM:

1. A method for generating a driving profile of a user, the method comprising:
receiving one or more values corresponding to a plurality of variables, wherein the plurality of variables are associated with driving of a vehicle;
computing one or more safety scores for the plurality of variables based on the one or more values, wherein the one or more safety scores are computed for a trip completed by the user, and completion of the trip is based on one or more conditions ,
and wherein the computing comprises reducing a pre-defined score of a variable of the plurality of variables by a factor, wherein the factor is based on the one or more values;
aggregating the one or more safety scores to determine a cumulative safety score for the trip;
determining a driving level of the user based on the cumulative safety score, thereby generating the driving profile of the user,
wherein the receiving, the computing, the reducing, the aggregating and the determining are performed by a processor using programmed instructions stored in a memory.

2. The method of claim 1, wherein the plurality of variables comprises an acceleration, a braking, a cornering, an over-speeding, or a time of drive, or a combination thereof.

3. The method of claim 1, wherein the one or more values are received from one or more sensors, or from third party sources in real-time, or a combination thereof.

4. The method of claim 3, wherein the one or more sensors comprise at least one of an accelerometer, a gyroscope, a compass, a MicroElectroMechanical System (MEMS) sensor, a Global Positioning System (GPS) sensor, a Wi-Fi access point sensor, or a cell tower triangulation sensor.

5. The method of claim 1, further comprising providing driving tips and driving advice to the user based on the one or more safety scores.

6. The method of claim 1, wherein the one or more conditions comprises a distance covered by the trip or a time taken for completing the trip is within a pre-determined range, a speed of the vehicle is less than a pre-determined threshold speed and a time for which the speed of the vehicle is less than the pre-determined threshold speed is greater than a pre-determined threshold time, the speed of the vehicle is below a pre-determined threshold speed, a distance covered by the trip is more than a pre-determined threshold distance, or a time taken for completing the trip is less than a pre-determined threshold time, unavailability of GPS signals for a pre-determined threshold time, or a combination thereof.

7. The method of claim 1, wherein the aggregating further comprises computing an average of the one or more safety scores.

8. The method of claim 1, wherein the aggregating further comprises computing a weighted average of the one or more safety scores.

9. The method of claim 1, wherein the driving level comprises a beginner level, an explorer level, an advanced level, or an expert level.

10. The method of claim 1, wherein the driving profile of the user is used to generate an insurance quote for the user, to generate a usage based insurance premium, or assess risk of the user.

11. A system for generating a driving profile of a user, the system comprising:
a processor;
a memory coupled to the processor, wherein the processor is capable of executing a plurality of modules stored in the memory, and wherein the plurality of modules comprising:
a receiving module configured to receive one or more values corresponding to a plurality of variables, wherein the plurality of variables are associated with driving of a vehicle;
a computing module configured to compute one or more safety scores for the plurality of variables based on the one or more values, wherein the one or more safety scores are computed for a trip completed by the user, and completion of the trip is based on one or more conditions,
and wherein the computing module comprises a reducing module configured to reduce a pre-defined score of a variable of the plurality of variables by a factor, wherein the factor is based on the one or more values;
an aggregating module configured to aggregate the one or more safety scores to determine a cumulative safety score for the trip; and
a determining module configured to determine a driving level of the user based on the cumulative safety score, thereby generating the driving profile of the user.

12. The system of claim 11, wherein the plurality of variables comprises an acceleration, a braking, a cornering, an over-speeding, or a time of drive, or a combination thereof.

13. The system of claim 11, wherein the one or more values are received from one or more sensors or from third party sources in real-time, or a combination thereof.

14. The system of claim 13, wherein the one or more sensors comprise at least one of an accelerometer, a gyroscope, a compass, a MicroElectroMechanical System (MEMS) sensor, a Global Positioning System (GPS) sensor, a Wi-Fi access point sensor, or a cell tower triangulation sensor.

15. The system of claim 11, wherein the system is further configured to provide driving tips and driving advice to the user based on the one or more safety scores.

16. The system of claim 11, wherein the one or more conditions comprise a distance covered by the trip or a time taken for completing the trip is within a pre-determined range, a speed of the vehicle is less than a pre-determined threshold speed and a time for which the speed of the vehicle is less than the pre-determined threshold speed is greater than a pre-determined threshold time, the speed of the vehicle is below a pre-determined threshold speed, a distance covered by the trip is more than a pre-determined threshold distance, or a time taken for completing the trip is less than a pre-determined threshold time, unavailability of GPS signals for a pre-determined threshold time, or a combination thereof.

17. The system of claim 11, wherein the aggregating module is further configured to compute an average of the one or more safety scores.

18. The system of claim 11, wherein the aggregating module is further configured to compute a weighted average of the one or more safety scores.

19. The system of claim 11, wherein the driving level comprises a beginner level, an explorer level, an advanced level, or an expert level.

20. The system of claim 11, wherein the driving profile of the user is used to generate an insurance quote for the user, to generate a usage based insurance premium, or assess risk of the user.

21. A computer program product having embodied thereon a computer program for generating a driving profile of a user, the computer program product comprising:
a program code for receiving one or more values corresponding to a plurality of variables, wherein the plurality of variables are associated with driving of a vehicle;
a program code for computing one or more safety scores for the plurality of variables based on the one or more values, wherein the one or more safety scores are computed for a trip completed by the user, and completion of the trip is based on one or more conditions.;
and wherein the program code for computing comprises a program code for reducing a pre-defined score of a variable of the plurality of variables by a factor, wherein the factor is based on the one or more values;
a program code for aggregating the one or more safety scores to determine a cumulative safety score for the trip; and
a program code for determining a driving level of the user based on the cumulative safety score, thereby generating the driving profile of the user. ,TagSPECI:FORM 2
THE PATENTS ACT, 1970
(39 of 1970)
&
THE PATENT RULES, 2003
COMPLETE SPECIFICATION
(See Section 10 and Rule 13)

Title of invention:
A SYSTEM AND METHOD FOR GENERATING A DRIVING PROFILE OF A USER

Applicant
Tata Consultancy Services Limited
A Company Incorporated in India under The Companies Act, 1956
Having address:
Nirmal Building, 9th Floor,
Nariman Point, Mumbai 400021,
Maharashtra, India

The following specification particularly describes the invention and the manner in which it is to be performed.

CROSS-REFERENCE TO RELATED APPLICATIONS AND PRIORITY
[001] The present application does not claim priority from any patent application.

TECHNICAL FIELD
[002] The present subject matter described herein, in general, relates to driving data monitoring, and more particularly to a system(s) and a method(s) for generating a driving profile of a user based on the driving data.

BACKGROUND
[003] Today, assessing risk of a driver is of utmost importance. The risk assessed depends on various factors. The factors may comprise a speed of the vehicle, acceleration of the vehicle, location of the vehicle, weather, or time of drive. Also, in order to compute the risk associated with the driver, behaviour of the driver while driving the vehicle has to be monitored.
[004] The risk assessed over a significant period may be further used by insurance companies to arrive at an appropriate insurance quote for the driver, or to generate a usage based insurance model. In order to compute the appropriate insurance quote, a driving profile of the driver needs to be generated. There exist many products which compute the driving profile of the driver based on the risk assessed. The products, essentially evaluate the risk associated with the driver by continuously recording data associated with the factors. The data is further used to assess the risk.
[005] Assessing the risk using the data recorded is a computationally complex task as the amount of the data recorded may be huge and the data may continuously vary. Moreover, the factors to be considered for assessing the risk may differ according to the driving conditions.
SUMMARY
[006] This summary is provided to introduce aspects related to systems and methods for generating a driving profile of a user and the aspects are further described below in the detailed description. This summary is not intended to identify essential features of the claimed subject matter nor is it intended for use in determining or limiting the scope of the claimed subject matter.
[007] In one implementation, a method for generating the driving profile of the user is disclosed. The method comprises receiving one or more values corresponding to a plurality of variables, wherein the plurality of variables are associated with driving of a vehicle. The method further comprises computing one or more safety scores for the plurality of variables based on the one or more values, wherein the one or more safety scores are computed for a trip completed by the user, and completion of the trip is based on one or more conditions. Further, the computing comprises reducing a pre-defined score of a variable of the plurality of variables by a factor, wherein the factor is based on the one or more values. The method further comprises aggregating the one or more safety scores to determine a cumulative safety score for the trip and determining a driving level of the user based on the cumulative safety score, thereby generating the driving profile of the user. The receiving, the computing, the reducing, the aggregating and the determining are performed by a processor using programmed instructions stored in a memory.
[008] In one implementation, a system for generating the driving profile of the user is disclosed. The system comprises a processor and a memory coupled to the processor. The processor is capable of executing a plurality of modules stored in the memory. The plurality of modules comprises a receiving module configured to receive one or more values corresponding to a plurality of variables, wherein the plurality of variables are associated with driving of a vehicle. The plurality of modules further comprises a computing module configured to compute one or more safety scores for the plurality of variables based on the one or more values, wherein the one or more safety scores are computed for a trip completed by the user, and completion of the trip is based on one or more conditions. Further, the computing module comprises a reducing module configured to reduce a pre-defined score of a variable of the plurality of variables by a factor, wherein the factor is based on the one or more values. The plurality of modules further comprises an aggregating module configured to aggregate the one or more safety scores to determine a cumulative safety score for the trip and a determining module configured to determine a driving level of the user based on the cumulative safety score, thereby generating the driving profile of the user.
[009] In one implementation, a computer program product having embodied thereon a computer program for generating the driving profile of the user is disclosed. The computer program product comprises a program code for receiving one or more values corresponding to a plurality of variables, wherein the plurality of variables are associated with driving of a vehicle. The computer program product further comprises a program code for computing one or more safety scores for the plurality of variables based on the one or more values, wherein the one or more safety scores are computed for a trip completed by the user, and completion of the trip is based on one or more conditions. The program code for computing comprises a program code for reducing a pre-defined score of a variable of the plurality of variables by a factor, wherein the factor is based on the one or more values. The computer program product further comprises a program code for aggregating the one or more safety scores to determine a cumulative safety score for the trip and a program code for determining a driving level of the user based on the cumulative safety score, thereby generating the driving profile of the user.

BRIEF DESCRIPTION OF THE DRAWINGS
[0010] The detailed description is described with reference to the accompanying figures. In the figures, the left-most digit(s) of a reference number identifies the figure in which the reference number first appears. The same numbers are used throughout the drawings to refer like features and components.
[0011] Figure 1 illustrates a network implementation of a system for generating a driving profile of a user is shown, in accordance with an embodiment of the present subject matter.
[0012] Figure 2 illustrates the system, in accordance with an embodiment of the present subject matter.
[0013] Figure 3 illustrates a method for computation of an acceleration safety score, in accordance with an exemplary embodiment of the present subject matter.
[0014] Figure 4 illustrates a method for computation of a braking safety score, in accordance with an exemplary embodiment of the present subject matter.
[0015] Figure 5 illustrates a method for generating a driving profile of a user, in accordance with an embodiment of the present subject matter.

DETAILED DESCRIPTION
[0016] Systems and methods for generating a driving profile of a user are described. At first, one or more values corresponding to a plurality of variables are received from one or more sensors, or from third party sources in real-time. The plurality of variables comprises acceleration, braking, cornering, over-speeding, a distance travelled, a distance travelled within a time interval, or time of drive. The one or more sensors comprise an accelerometer, a gyroscope, or a Global Positioning System (GPS) sensor.
[0017] Further, using the one or more values, one or more safety scores are computed for the plurality of variables. The one or more safety scores are computed for a trip completed by the user. The trip is completed when one or more conditions are fulfilled. The one or more conditions comprise a distance covered by the trip or a time taken for completing the trip is within a pre-determined range, a speed of the vehicle is less than a pre-determined threshold speed and a time for which the speed of the vehicle is less than the pre-determined threshold speed is greater than a pre-determined threshold time, the speed of the vehicle is below a pre-determined threshold speed, a distance covered by the trip is more than a pre-determined threshold distance, or a time taken for completing the trip is less than a pre-determined threshold time, or a combination thereof . Subsequently, the one or more safety scores are aggregated to determine a cumulative safety score for the trip. Further, a driving level of the user is determined based on the cumulative safety score. The driving level of the user represents the driving profile of the user.
[0018] While aspects of described system and method for generating a driving profile of a user may be implemented in any number of different computing systems, environments, and/or configurations, the embodiments are described in the context of the following exemplary system.
[0019] Referring now to Figure 1, a network implementation 100 of a system 102 for generating a driving profile of a user is illustrated, in accordance with an embodiment of the present subject matter. In one embodiment, the system 102 provides for generating the driving profile of the user based on a driving level of the user. The driving level of the user comprises a beginner level, an explorer level, an advanced level, or an expert level. In order to determine the driving level of the user, initially, the system 102 receives one or more values corresponding to a plurality of variables. One or more safety scores are further computed by the system 102 based on the one or more values, on completion of a trip. The one or more safety scores are further aggregated to determine a cumulative safety score for the trip. The driving level of the user is determined based on the cumulative safety score.
[0020] Although the present subject matter is explained considering that the system 102 is implemented on a server, it may be understood that the system 102 may also be implemented in a variety of computing systems, such as a laptop computer, a desktop computer, a notebook, a workstation, a mainframe computer, a server, a network server, a portable electronic device and the like. In one implementation, the system 102 may be implemented in a cloud-based environment. It will be understood that the system 102 may be accessed by multiple users through one or more user devices 104-1, 104-2…104-N, collectively referred to as user devices 104 hereinafter, or applications residing on the user devices 104. Examples of the user devices 104 may include, but are not limited to, a portable computer, a personal digital assistant, a handheld device, and a workstation. The user devices 104 are communicatively coupled to the system 102 through a network 106.
[0021] In one implementation, the network 106 may be a wireless network, a wired network or a combination thereof. The network 106 can be implemented as one of the different types of networks, such as intranet, local area network (LAN), wide area network (WAN), the internet, and the like. The network 106 may either be a dedicated network or a shared network. The shared network represents an association of the different types of networks that use a variety of protocols, for example, Hypertext Transfer Protocol (HTTP), Transmission Control Protocol/Internet Protocol (TCP/IP), Wireless Application Protocol (WAP), and the like, to communicate with one another. Further the network 106 may include a variety of network devices, including routers, bridges, servers, computing devices, storage devices, and the like.
[0022] Referring now to Figure 2, the system 102 is illustrated in accordance with an embodiment of the present subject matter. In one embodiment, the system 102 may include at least one processor 202, an input/output (I/O) interface 204, and a memory 206. The at least one processor 202 may be implemented as one or more microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, state machines, logic circuitries, and/or any devices that manipulate signals based on operational instructions. Among other capabilities, the at least one processor 202 is configured to fetch and execute computer-readable instructions stored in the memory 206.
[0023] The I/O interface 204 may include a variety of software and hardware interfaces, for example, a web interface, a graphical user interface, and the like. The I/O interface 204 may allow the system 102 to interact with a user directly or through the client devices 104. Further, the I/O interface 204 may enable the system 102 to communicate with other computing devices, such as web servers and external data servers (not shown). The I/O interface 204 can facilitate multiple communications within a wide variety of networks and protocol types, including wired networks, for example, LAN, cable, etc., and wireless networks, such as WLAN, cellular, or satellite. The I/O interface 204 may include one or more ports for connecting a number of devices to one another or to another server.
[0024] The memory 206 may include any computer-readable medium or computer program product known in the art including, for example, volatile memory, such as static random access memory (SRAM) and dynamic random access memory (DRAM), and/or non-volatile memory, such as read only memory (ROM), erasable programmable ROM, flash memories, hard disks, optical disks, and magnetic tapes. The memory 206 may include modules 208 and data 210.
[0025] The modules 208 include routines, programs, objects, components, data structures, etc., which perform particular tasks, functions or implement particular abstract data types. In one implementation, the modules 208 may include a receiving module 212, a computing module 214, a reducing module 216, an aggregating module 218, a determining module 220 and other modules 222. The other modules 222 may include programs or coded instructions that supplement applications and functions of the system 102.
[0026] The data 210, amongst other things, serves as a repository for storing data processed, received, and generated by one or more of the modules 208. The data 210 may also include a system database 224, and other data 226. The other data 226 may include data generated as a result of the execution of one or more modules in the other module 222.
[0027] In one implementation, at first, a user may use the client device 104 to access the system 102 via the I/O interface 204. The user may register him using the I/O interface 204 in order to use the system 102. The working of the system 102 may be explained in detail in Figures 3 and 4 explained below. The system 102 may be used for generating a driving profile of a user. In order to generate the driving profile of the user, the system 102, at first, receives one or more values corresponding to a plurality of variables. Specifically, in the present implementation, the one or more values may be received by the receiving module 204.
[0028] In one implementation, the receiving module 212 may be configured to receive the one or more values corresponding to the plurality of variables from one or more sensors, or from third party sources in real-time, or a combination thereof. The plurality of variables are associated with driving of a vehicle. The plurality of variables comprise acceleration, braking, cornering, over-speeding, or time of drive, or a combination thereof. By way of a specific example, the one or more values may be in Mph/second for a variable, the acceleration. Similarly, the one or more values for the variable, the over speeding may be in terms of a speeding duration, a speed limit, and a speed of the vehicle. The speed limit may be received from third party sources in real-time. Further, the speed limit may vary based on a route opted by the user. By way of a specific example, the third party sources may comprise a database providing the speed limit for the route opted by the user for driving the vehicle.
[0029] In another implementation, when the one or more values may not be received from the third party sources, then the one or more values may be received from the system database 224. For example, when the system 102 is unable to connect to the third party sources to receive the speed limit, then the speed limit may be received from data stored in the system database 224.
[0030] Similarly, the one or more values for the time of drive may be expressed in terms of a distance covered by the vehicle during night, a pre-defined time range, and a day of drive. By way of a specific example, the one or more values may be number of miles driven between 11:00 p.m. to 5:00 a.m. Further, the one or more sensors may comprise at least one of an accelerometer, a gyroscope, a compass, a MicroElectroMechanical System (MEMS) sensor, a Global Positioning System (GPS) sensor, a Wi-Fi access point sensor, or a cell tower triangulation sensor.
[0031] In one embodiment of the system 102, the one or more sensors may be present in the portable electronic device. The portable electronic device may comprise a cellular phone, a tablet computer, a Personal Digital Assistant (PDA) device, a smart-phone, a Portable Navigation Device (PND), a wireless device, a mobile device, a handheld device, a mobile route guidance device, or a portable audio/video player, and the like. The one or more sensors record the one or more values corresponding to the plurality of variables. The one or more values recorded are further received by the receiving module 212.
[0032] Further, the system 102 comprises the computing module 214 configured to compute one or more safety scores for the plurality of variables based on the one or more values. Further, the computing module 214 comprises the reducing module 216 configured to reduce a pre-defined score of a variable of the plurality of variables by a factor. The factor is based on the one or more values. Further, the one or more safety scores may be computed for the trip completed by the user. Completion of the trip is based on one or more conditions. The one or more conditions comprise a distance covered by the trip or a time taken for completing the trip is within a pre-determined range, a speed of the vehicle is less than a pre-determined threshold speed and a time for which the speed of the vehicle is less than the pre-determined threshold speed is greater than a pre-determined threshold time, the speed of the vehicle is below a pre-determined threshold speed, a distance covered by the trip is more than a pre-determined threshold distance, or a time taken for completing the trip is less than a pre-determined threshold time, or a combination thereof.
[0033] By way of a specific example, when the distance exceeds 300 meters or the time exceeds 2 minutes, and when the distance is below 300 miles or the time is below 4 hours the trip may be considered as completed. Also, the trip should have atleast two location coordinates with good GPS accuracy. By way of another example, when the speed of the vehicle is less than 5 miles/hour for 20 minutes then the trip may be considered as completed. Further, the trip may be completed when the speed of the vehicle is less than 5 miles/hour, or the distance covered by the trip is less than 300 meters, or the time taken for completing the trip is less than 4 hours, or a combination thereof.
[0034] In one implementation, the one or more conditions may comprise a loss of connection of the system 102 with the vehicle for a pre-determined threshold time. By way of a specific example, consider that the system 102 is implemented in the portable electronic device. The portable electronic device may be connected to the vehicle through a Bluetooth device. The one or more values in this case may be received from the one or more sensors installed in the vehicle. The portable electronic device may receive the one or more values only when the Bluetooth device of the vehicle is connected with the portable electronic device. Thus, when the Bluetooth device of the vehicle is not connected with the portable electronic device, then the trip may be considered to be completed.
[0035] In another implementation, when the system 102 is implemented in the portable electronic device, the one or more conditions may comprise low battery or unavailability of GPS signals for a pre-determined threshold time. For example, when the GPS signal may not be received by the portable electronic for 20 minutes, then the trip may be completed. Further, the one or more conditions may also comprise change in time set in the portable electronic device. For example, when the user changes the time set in the portable electronic device, the trip may be completed. The data recorded by the one or more sensors till the completion of the trip may be used further for computation of the one or more safety scores.
[0036] Thus, the one or more safety scores for the trip may be computed only when the one or more conditions may be fulfilled. Unless the one or more conditions are fulfilled, the one or more safety scores may not be computed. As a result, computational power of the processor is saved due to omission of unnecessary computation of the one or more safety scores.
[0037] In one implementation, the one or more safety scores may comprise an acceleration safety score corresponding to the acceleration, a braking safety score corresponding to the braking, an overspeeding safety score corresponding to the overspeeding, a cornering safety score corresponding to the cornering and a time of drive safety score corresponding to the time of drive.
[0038] Referring to Figure 3, in an exemplary embodiment, computation of the acceleration safety score by the computing module 214 is described. By way of a specific example, the pre-defined score may be considered as 100. In a first step (302), an acceleration count within pre-defined acceleration ranges may be computed. The acceleration count may be computed as soon as the one or more values are recorded by the one or more sensors. For example, the pre-defined acceleration ranges may be 8.1-9.0 Mph/second, 9.1-10 Mph/second, 10.1-11.0 Mph/second and >11.0 Mph/second. The trip for which the value for the acceleration does not fall within the pre-defined acceleration ranges may receive the acceleration safety score of 100 (step 304 and step 306). Further (step 306 and step 308); the pre-defined score of value 100 may be reduced by the factor. The factor may be computed based on the acceleration count within the pre-defined acceleration ranges.

Pre-defined Acceleration Ranges % Reduction in the acceleration safety score
8.1-9.0 Mph/second X1 % per count
9.1-10 Mph/second X2 % per count
10.1-11.0 Mph/second X3 % per count
>11.0 Mph/second X4 % per count
Table 1

X1 X2 X3 X4
1 X11 X12 X13 X14
>1 & =2 X21 X22 X23 X24
>2 & <=4 X31 X32 X34 X35
>4 X41 X42 X43 X44
Table 2
[0039] Referring to the Table 1, X1, X2, X3 and X4 represents the percentage reduction in the acceleration safety score per acceleration count in the pre-defined acceleration ranges. Further, referring to the Table 2, the factor may be computed based on the acceleration count. When the acceleration count is 1, X11, X12, X13, X14 would be equal to X1, X2, X3 and X4. Similarly, when the acceleration count is greater than 1, X21 to X44 would be multiplied with X1, X2, X3 or X4. Thus, the acceleration safety score may be computed by reducing the pre-defined score of 100.
[0040] In another implementation, the acceleration safety score may be further multiplied with a plurality of factors. The plurality of factors may be computed based on weather, location, and time of the day. Optionally, the percentage reduction of the acceleration safety score may be computed for each incremental increase in the acceleration count in a corresponding level.
[0041] Referring to Figure 4, in an exemplary embodiment, computation of the braking safety score by the computing module 214 is described. By way of a specific example, the pre-defined score may be 100. In a first step (402), a braking count may be computed for a number of brakes within a braking category. The braking category may be defined using pre-defined deceleration ranges. For example, the pre-defined deceleration ranges may be, -8.1- -9.0 Mph/second, -9.1--10.0 Mph/second, -10.1--11 Mph/second and <-11.0 Mph/second. The trip for which the braking count is zero within the braking category may receive the braking safety score of 100 (step 404 and step 406). Further (step 406 and step 408), when the breaking count is not zero, the pre-defined score of value 100 may be reduced by the factor. The factor may be computed based on the braking count within the braking category.
Braking Category % Reduction in the braking safety score
-8.1--9.0 Mph/second Y1
-9.1--10.0 Mph/second Y2
-10.1--11 Mph/second Y3
<-11 Mph/second Y4
Table 3

Y1 Y2 Y3 Y4
1 Y11 Y12 Y13 Y14
>1 & = 2. Y21 Y22 Y23 Y24
>2 & <=4 Y31 Y32 Y33 Y34
>4 & <= 6 Y41 Y42 Y43 Y44
>6 Y51 Y52 Y53 Y54
Table 4
[0042] Referring to Table 3, the factor for reducing the pre-defined score of 100 may be Y1, Y2, Y3, and Y4 based on the braking count within the pre-defined deceleration ranges. Further, referring to Table 4, the factor may be multiplied by 1 when the braking count is 1. Y1, Y2, Y3, Y4 is equal to Y11, Y12, Y13, and Y14 as the braking count is equal to 1. Y21 to Y54 represents the factor for the braking count greater than 1, which will be multiplied with the corresponding Y1 to Y4, based on the braking count for the trip. Thus, the braking safety score may be computed by reducing the pre-defined score of 100.
[0043] In another implementation, the braking safety score may be further multiplied with a plurality of factors. The plurality of factors may be computed based on weather, location, time of the day, or a combination thereof. Optionally, the percentage reduction of the braking safety score may be computed for each incremental increase in the braking count in a corresponding level.
[0044] Further, the over speeding safety score may be computed based on a speeding duration and a speeding count. In order to compute the over speeding safety score, the speed limit of the route and the speed of the vehicle may be compared. By way of a specific example, the pre-defined score may be 100. The overspeeding safety score may be reduced based on the speeding duration and the speed of the vehicle above the speed limit. The factor for reducing the pre-defined score of 100 may be computed based on a percentage by which the speed of the vehicle exceeds the speed limit. The speed limit may be a maximum speed limit set for the route.

Speed limit (S is the route’s speed limit) Reduction Factor (S1 < S2 < S3 < S4)
<=S 1
>S & <= S+10 S1
>S+10 &<=S+20 S2
>S+20 &<=S+50 S3
>S+50 S4
Table 5

<10% >10%& <=30% >30 &%<=50% >50%
>S & <= S+10 S11 S12 S13 S14
>S+10 &<=S+20 S21 S22 S23 S23
>S+20 &<=S+50 S31 S32 S33 S34
>S+50 S41 S42 S43 S44
Table 6
[0045] Referring to the Table 5, S+10 refers to the speed of the vehicle above the speed limit by 10 mph. Similarly, S+20 and S+50 refers to the speed of the vehicle above the speed limit by 20 mph and 50 mph. S1, S2, S3 and S4 are the factors by which the pre-defined score may be reduced. Referring to the Table 6, the factors S1, S2, S3 and S4 may be respectively multiplied with the factor corresponding to the percentage of miles in the trip which were driven above the speed limit. The factors S11 to S44 are the factors greater than 1. The factors S11 to S44 may be multiplied with the corresponding factors S1 to S4 to compute the overspeeding safety score.
[0046] In another implementation, the over speeding safety score may be further multiplied with a plurality of factors. The plurality of factors may be computed based on weather, location, and time of the day. Optionally, the percentage reduction of the overspeeding safety score may be computed for each incremental increase in an overspeeding count in a corresponding level.
[0047] Further, the cornering safety score may be computed based on a number of cornering events and a cornering level. By way of a specific example, the pre-defined score may be 100. The pre-defined score of 100 may be reduced based on the number of the cornering events. When only the cornering events are recorded, irrespective of the cornering level, the cornering safety score may be reduced by the factor for every cornering event. Further, by way of a specific example, the cornering level may be level 1, level 2, level 3 or level 4. Each of the cornering level may be associated with a percentage reduction value. The percentage reduction value may be the factor used for computing the cornering safety score.

Cornering Level Reduction % (C11 & <=3 C21 C22 C23 C24
>3 & <5 C31 C32 C33 C34
>5 C41 C42 C43 C44
Table 8
[0048] Referring to Table 7, the percentage reduction value C1, C2, C3 and C4 for a single cornering event in level 1 to level 4 is disclosed. Referring to Table 8, percentage reduction value may be multiplied by a number greater than 1 for multiple cornering events. C11, C12, C13 and C14 are equal to C11, C12, C13 and C14 as the cornering event is one. C21 to C44 represents cornering events greater than 1, which may be multiplied with the reduction percentage values C1 to C4 respectively to reduce the pre-defined cornering score. Thus, a resulting value is the cornering safety score.
[0049] In another implementation, the cornering safety score may be further multiplied with a plurality of factors. The plurality of factors may be computed based on weather, location, and time of the day. Optionally, the percentage reduction of the cornering safety score may be computed for each incremental increase in the cornering event in a corresponding level.
[0050] Further, the time of drive safety score may be computed based on the time of drive, the day of drive and the miles driven during the night. At first, the pre-defined score may be set to 100. Further, when there are no miles driven during a pre-defined time range in the night, the time of drive safety score may be 100. Further, the time of drive safety score may be reduced based on the number of miles driven during the pre-defined time range. By way of a specific example, the pre-defined time range may be 11 p.m. to 5 a.m. The factor for reducing the pre-defined score of 100 may be computed based on the number of miles driven, the day of drive and the time of drive.

Miles Driven (Configurable) % reduction (N113 and <10 N12
>10 and <20 N13
>20 N14
Table 9

Miles Driven (Configurable) % reduction (N113 and <10 N22
>10 and <20 N33
>20 N44
Table 10
[0051] Referring to Table 9, the factor for reducing the pre-defined score of 100 for the miles driven during the pre-defined time range on a weekday is disclosed. Further, referring to Table 10, the factor for reducing the pre-defined score of 100 for the miles driven during the pre-defined time range on a weekend is disclosed. The time of drive score may be further reduced by a defined value for every additional mile after 20 miles.
[0052] The system 102 further comprises of the aggregating module 218 configured to aggregate the one or more safety scores to determine a cumulative safety score for the trip. In one implementation, the aggregating module 218 may be further configured to compute an average of the one or more safety scores to determine the cumulative safety score. In another implementation, the aggregating module 218 may be further configured to compute a weighted average of the one or more safety scores to determine the cumulative safety score. The cumulative safety score may be determined on a scale of 100. The cumulative safety score represents an overall safety of the trip corresponding to the plurality of variables.
[0053] In one implementation of the system 102, the system may be further configured to provide driving tips and driving advice to the user based on the one or more safety scores. The driving tips based on the one or more safety scores may help the user in improving the one or more safety scores for future trips. For example, when the acceleration safety score of the user is 50, the user may be provided with a tip to reduce the speed of the vehicle to a specific value. By way of another example, when the braking score is low, the user may receive the driving advice regarding improvement in braking habits of the user.
[0054] In one implementation, the driving tips and the driving advice may be displayed on the user interface of the system 102. For example, when the system 102 is implemented in the portable electronic device, the driving tips may be displayed on a screen of the portable electronic device.
[0055] The system 102 further comprises the determining module 220 configured to determine a driving level of the user based on the cumulative safety score. The driving level may comprise a beginner level, an explorer level, an advanced level, and an expert level. The driving level of the user represents the driving profile of the user. The user has to achieve a pre-defined cumulative safety score in order to move up each driving level. Each of the driving level has a pre-defined cumulative safety score, which the user has to achieve in order to complete the driving level.
[0056] In another implementation of the system 102, the determining module 220 may be further configured to award badges to the user. A badge may be awarded to the user when the user completes a safe trip. The safe trip may be defined based on the safety score for each variable. The threshold value for each safety score of the one or more safety scores for each variable may be pre-defined. Similarly, badges may be awarded for each safety score of the one or more safety scores. For example, an acceleration badge may be awarded if the user continuously achieves 5 consecutive safe trips. The safe trip in this case may be defined when value of the acceleration is not within the pre-defined acceleration ranges. Thus, for consecutive 5 trips, the value of the acceleration should not be within the pre-defined acceleration ranges. Similarly, a braking badge, a cornering badge, an over speeding badge, or a safe miles badge may be awarded to the user based on the safety score for each of the plurality of variables.
[0057] In one implementation, the user has to achieve a pre-defined number of badges for each of the plurality of variables for moving up the driving level. In another implementation, the user may have to achieve the pre-defined cumulative safety score along with the badges to move up the driving level.
[0058] In one implementation of the system 102, the driving profile of the user may be used to generate an insurance quote for the user, to generate a usage based insurance premium or assess risk of the user. The driving level of the user represents a level of safety ensured by the user while driving the vehicle. The beginner level being a lowest driving level and the expert level being a highest driving level. An insurance company may use the driving level, the cumulative safety score or the driving profile of the user to generate an insurance quote for the user. In another implementation, the insurance company may generate one or more quotes for the user based on the driving level, the cumulative safety score or the driving profile of the user. In another implementation, the user may be provided with multiple insurance products based on cumulative safety scores for multiple trips.
[0059] Referring now to Figure 5, a method 500 for generating a driving profile of a user is shown, in accordance with an embodiment of the present subject matter. The method 500 may be described in the general context of computer executable instructions. Generally, computer executable instructions can include routines, programs, objects, components, data structures, procedures, modules, functions, etc., that perform particular functions or implement particular abstract data types. The method 500 may also be practiced in a distributed computing environment where functions are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, computer executable instructions may be located in both local and remote computer storage media, including memory storage devices.
[0060] The order in which the method 500 is described is not intended to be construed as a limitation, and any number of the described method blocks can be combined in any order to implement the method 500 or alternate methods. Additionally, individual blocks may be deleted from the method 500 without departing from the spirit and scope of the subject matter described herein. Furthermore, the method can be implemented in any suitable hardware, software, firmware, or combination thereof. However, for ease of explanation, in the embodiments described below, the method 500 may be considered to be implemented in the above described system 102.
[0061] At block 502, one or more values corresponding to a plurality of variables may be received. In one implementation, the one or more values may be received by the receiving module 212.
[0062] At block 504, one or more safety scores for the plurality of variables based on the one or more values may be computed. In one implementation, the one or more safety scores for the plurality of variables may be computed by the computing module 214.
[0063] At block 506, a pre-defined score of a variable of the plurality of variables may be reduced by a factor. In one implementation, the pre-defined score of the variable may be reduced by the reducing module 214.
[0064] At block 508, the one or more safety scores may be aggregated to determine a cumulative safety score. In one implementation, the one or more safety scores may be aggregated by the aggregating module 216.
[0065] At block 510, a driving level of the user based on the cumulative safety score may be determined. In one implementation, the driving level of the user may be determined by the determining module 218.
[0066] Although implementations for methods and systems for generating a driving profile of a user have been described in language specific to structural features and/or methods, it is to be understood that the appended claims are not necessarily limited to the specific features or methods described. Rather, the specific features and methods are disclosed as examples of implementations for generating a driving profile of a user.