Transmitting Geographical Risk Rating To Insurance Company Server To Determine Insurance Cost On The Server: Technical

This is an example case which involves a mixture of technical and non-technical features.  Here are the practical takeaways from the decision T 2486/16 of 12.1.2021 of Technical Board of Appeal 3.4.03:

Key takeaways

A non-technical aspect of the distinguishing feature(s) can be considered as part of the framework of the technical problem to be solved, in accordance with  T 641/00 ( COMVIK, see points 1 and 2 of the Headnote).

The invention

This European patent application concerns a method and device for recording driving characteristics utilized to monitor and compile vehicle usage data and diagnosing device condition for determining an insurance premium.

Some vehicle insurance currently determines price based upon information gathered by in-vehicle sensors that indicate where the vehicle was driven, how fast the vehicle was driven, times of day and days of the week, etc.