Automated consumer to business electronic marketplace system
First Claim
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1. A method of offering products or services to a vehicle owner comprising the steps of providing a supplier database in an electronic marketplace, said supplier database comprising at least one supplier;
- monitoring at least one data element selected from the group consisting of an operating state of a vehicle, status of the driver, external environment of the vehicle, location of vehicle, an action of said driver or combinations thereof;
selectively transmitting said at least one data element to an electronic marketplace;
correlating said at least one data element to at least one supplier found in said supplier database;
calculating at least a cost of at least one related product or service using said at least one data element and generating information related to said product or service, and communicating said information to said vehicle owner or said at least one supplier.
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Abstract
An automotive consumer to business electronic marketplace system is presented, wherein various aspects of vehicle operation, driver status or driver behavior are monitored and reported to an electronic marketplace. Suppliers of insurance products and other suppliers of automobile products or services may offer vehicle owners prices for products or services based on the data reported. The system may further allow the driver to choose monitoring and reporting options based on discounts offered for certain reporting options.
154 Citations
31 Claims
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1. A method of offering products or services to a vehicle owner comprising the steps of providing a supplier database in an electronic marketplace, said supplier database comprising at least one supplier;
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monitoring at least one data element selected from the group consisting of an operating state of a vehicle, status of the driver, external environment of the vehicle, location of vehicle, an action of said driver or combinations thereof;
selectively transmitting said at least one data element to an electronic marketplace;
correlating said at least one data element to at least one supplier found in said supplier database;
calculating at least a cost of at least one related product or service using said at least one data element and generating information related to said product or service, and communicating said information to said vehicle owner or said at least one supplier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A method of monitoring operation of a vehicle or its driver comprising the steps of communicating at least one data element from at least one data generating system associated with said vehicle to a service provider, said at least one data element selected from the group consisting of an operating state of a vehicle, status of the driver, location of vehicle, an action of said driver during a selected period, external environment or communications thereof;
generating information relating to an operating state of a vehicle, the status of the driver, location of vehicle or an action of said driver during a selected period and communicating said information to the owner of said vehicle. - View Dependent Claims (25, 26)
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27. A method of offering insurance products to a vehicle owner comprising the steps of communicating at least one data element from at least one data generating system associated with said vehicle to an electronic marketplace, said at least one data element selected from the group consisting of an operating state of a vehicle, status of the driver, location of vehicle or an action of said driver during a selected period, external environment or combinations thereof;
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wherein said at least one data element is used to analyze projected insurance premiums by at least one entity offering vehicle insurance, based upon said at least one data element, communicating information relating to at least said projected insurance premiums to the owner of said vehicle. - View Dependent Claims (28, 29)
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30. A system for offering products or services to a vehicle owner comprising a communications system in association with said vehicle;
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said communications system being coupled to at least one data generating system associated with said vehicle to receive at least one data element selected from the group consisting of an operating state of a vehicle, status of the driver, location of vehicle, an action of said driver during a selected period, external environment or combinations thereof;
said communications system operated to selectively transmit said at least one data element from said communications system to a processing system, said processing system generating information relating to a product or service using said at least one data element, wherein said information is selectively communicated to the owner of said vehicle or at least one supplier of said product or service.
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31. A method of offering products or services to a user comprising the steps of:
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providing a supplier database in an electronic marketplace, said supplier database comprising at least one supplier;
monitoring at least one data element relating to a user or environment;
selectively transmitting said at least one data element to an electronic marketplace;
correlating said at least one data element to at least one supplier found in said supplier database;
calculating at least a cost of at least one related product or service using said at least one data element and generating information related to said product or service, and communicating said information to said user or said at least one supplier.
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Specification