AUTOMATED CONSUMER TO BUSINESS ELECTRONIC MARKETPLACE SYSTEM
First Claim
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 the cost, or percentage discount or surcharge of the 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, andcommunicating said information to said vehicle owner, said at least one supplier, or another supplier.
1 Assignment
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Accused Products
Abstract
An automated consumer to business electronic marketplace system is presented, wherein various aspects of user status, user behavior or operation of a vehicle associated with user are monitored and reported to an electronic marketplace. Suppliers of insurance products and other suppliers of automobile or personal products or services may offer users prices for products or services based on the data reported. The system may further allow the user to choose monitoring and reporting options based on discounts offered for certain reporting options.
36 Citations
20 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 the cost, or percentage discount or surcharge of the 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, said at least one supplier, or another supplier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification