Methods, systems, and apparatuses for using a vehicle identification profile to determine whether a vehicle has been stolen
4 Assignments
0 Petitions
Accused Products
Abstract
Provided are methods, systems, and apparatuses for determining driver behavior based on vehicle operating parameters, adjusting insurance premiums accordingly, and preventing fraudulent manipulation of the methods, systems, and apparatuses.
11 Citations
58 Claims
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1-47. -47. (canceled)
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48. A method for detecting that a vehicle has been stolen, comprising:
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retrieving, over a predetermined period, by a telematics device coupled to a data bus of the vehicle, data corresponding to at least one vehicle parameter; evaluating the data corresponding to the at least one vehicle parameter retrieved over the predetermined period; generating, by the telematics device, a vehicle identification profile based on the evaluating of the data retrieved over the predetermined period; storing the vehicle identification profile to a memory of the telematics device; comparing current retrieved vehicle data with the stored vehicle identification profile; determining, by the telematics device, whether a driver not associated with the vehicle drove the vehicle when the current retrieved vehicle data was retrieved if the current retrieved vehicle data does not substantially match one, or more, stored vehicle identification profile, or profiles; and performing a fraud action if a driver not associated with the vehicle was driving the vehicle when the current retrieved vehicle data was retrieved. - View Dependent Claims (49, 50, 51)
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52. A telematics device configured to perform the steps of a method for detecting a stolen vehicle, the method comprising:
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retrieving, over a predetermined period, data corresponding to at least one vehicle parameter; evaluating the data corresponding to the at least one vehicle parameter retrieved over the predetermined period; generating a vehicle identification profile based on the evaluating of the data retrieved over the predetermined period; storing the vehicle identification profile to a memory of the telematics device; comparing current retrieved vehicle data with the stored vehicle identification profile; determining whether a driver not associated with the vehicle drove the vehicle when the current retrieved vehicle data was retrieved if the current retrieved vehicle data does not substantially match one, or more, stored vehicle identification profile, or profiles; and performing a fraud action if a driver not associated with the vehicle was driving the vehicle when the current retrieved vehicle data was retrieved. - View Dependent Claims (53, 54, 55)
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56. A computer system configured to perform the steps of a method for detecting a stolen vehicle, the method comprising:
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receiving, by the computer system, data corresponding to at least one vehicle parameter from a telematics device coupled to a vehicle bus, wherein the telematics device retrieved the data over a predetermined period; evaluating the data corresponding to the at least one vehicle parameter retrieved by the telematics device over the predetermined period; generating, by the computer system, a vehicle identification profile based on the evaluating of the data that the telematics device retrieved over the predetermined period; storing the vehicle identification profile to a memory; comparing current received vehicle data with the stored vehicle identification profile; determining, by the computer system, whether a driver not associated with the vehicle drove the vehicle when the current received vehicle data was retrieved by the telematics device if the current received vehicle data does not substantially match one, or more, stored vehicle identification profile, or profiles; and performing a fraud action if the current received vehicle data does not substantially match the one, or more, stored vehicle identification profile, or profiles. - View Dependent Claims (57, 58)
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Specification