Methods, systems, and apparatuses for determining driver behavior
View Patent ↗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.
1. A method for fraud detection, comprising:
retrieving, over a predetermined period, by a telematics device coupled to a vehicle's data bus, 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 the device has been fraudulently coupled to a vehicle bus by determining if the current retrieved vehicle data substantially matches the stored vehicle identification profile; and
performing a fraud action if the current retrieved vehicle data does not substantially match the stored vehicle identification profile.
2. The method of claim 1 , wherein the vehicle parameter comprises one or more vehicle operating parameters, a vehicle identification number (VIN), and combinations thereof.
3. The method of claim 1 , wherein performing a fraud action comprises reporting the results of the comparison to a central monitoring station.
4. The method of claim 3 , wherein performing a fraud action comprises terminating monitoring at the central monitoring station.
5. A telematics device configured to perform the steps of a method for fraud detection, the method comprising:
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 the device has been fraudulently coupled to a vehicle bus by determining if the current retrieved vehicle data substantially matches the stored vehicle identification profile; and
performing a fraud action if the current retrieved vehicle data does not substantially match the stored vehicle identification profile.
6. The telematics device of claim 5 , wherein the vehicle parameter comprises one or more vehicle operating parameters, a vehicle identification number (VIN), and combinations thereof.
7. The telemtatics device of claim 5 , wherein performing a fraud action comprises reporting the results of the comparison to a central monitoring station.
8. The telematics device of claim 7 , wherein performing a fraud action comprises terminating monitoring at the central monitoring station.
9. A computer system configured to perform the steps of a method for fraud detection, the method comprising:
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 the telematics device has been fraudulently coupled to a vehicle bus by determining if the current received vehicle data substantially matches the stored vehicle identification profile; and
performing a fraud action if the current retrieved vehicle data does not substantially match the stored vehicle identification profile.
10. The computer system of claim 9 , wherein the vehicle parameter comprises one or more vehicle operating parameters, a vehicle identification number (VIN), and combinations thereof.
11. The computer system of claim 9 , wherein performing a fraud action comprises terminating monitoring.