• US 20120209634A1
  • Filed: 02/17/2012
  • Published: 08/16/2012
  • Est. Priority Date: 01/29/1996
  • Status: Active Grant
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First Claim
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1. A system that monitors vehicle data transferred among components that is used to determine one or more levels of risk or is used to determine a cost of insurance comprising:

  • an in-vehicle monitor that filters data by selectively polling one or more in-vehicle controllers that transmit vehicle data related to a level of risk in operating the vehicle, the selected vehicle data is acquired at a predetermined interval or upon an event;

    a processor programmed to store the selected vehicle data in an in-vehicle memory, the memory retains relationship data that links the selected vehicle data to a vehicle identifier and a wireless network; and

    a wireless transceiver configured to encrypt and encode the relationship data and the selected vehicle data and transmit the encoded data through a mobile communication network that provides access to a distributed network.

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