Telematics based on handset movement within a moving vehicle

1. A method comprising:

periodically receiving, by a processor, signal data indicative of a position of a wireless communication device relative to at least three RFID nodes located in the vehicle;

analyzing, by the processor and relative to the at least three RFID nodes, the signal data to determine one or more parameters comprising an amplitude, a phase, an angle of reception, and an elapsed time;

determining, by the processor and by applying a triangulation technique to the one or more parameters, a position of the wireless communication device in the vehicle;

based on a determination that the position of the wireless communication device corresponds to a position indicative of an occurrence of a risk event, categorizing, by the processor, the driver of the vehicle into a risk category; and

displaying, to the driver and based on the risk category, an estimated insurance premium discount.

2. The method of claim 1 , wherein the data is generated by way of the wireless communication device transmitting a signal to each of the at least three RFID nodes.

3. The method of claim 1 , wherein each of the at least three RFID nodes comprise a processor and a memory.

4. The method of claim 1 , wherein the position of the wireless communication device corresponds to a height of the driver seated in the vehicle, and the risk event corresponds to the driver speaking while the wireless communication device is placed on an ear of the driver.

5. The method of claim 1 , wherein the position of the wireless communication device corresponds to low height in the vehicle, and the risk event corresponds to the wireless communication device being located at a safe position.

6. The method of claim 1 , wherein insurance premium discounts are provided to an insured of the vehicle if the risk category indicates that the driver is associated with a good risk.

7. The method of claim 1 , wherein alerts are transmitted to the wireless communication device if the position changes irregularly over time.

8. The method of claim 1 , wherein an insurance premium of an insured is increased if the risk category indicates that the driver is associated with a bad risk.

9. The method of claim 1 , further comprising: attaching an RFID tag to the wireless communication device.

10. The method of claim 1 , further comprising: affixing a fourth RFID node inside the vehicle, wherein the four RFID nodes are symmetrically attached to the vehicle.

11. A method involving a plurality of localization devices attached to a vehicle, the method comprising:

determining, by a processor, that a wireless communication device in use in the vehicle is transmitting a signal to each of the plurality of localization devices, wherein the signal comprises one or more of an amplitude, a phase, an angle of reception, and an elapsed time, and wherein each of the plurality of localization devices process the signal by applying a triangulation technique to determine a position of the wireless communication device relative to the plurality of localization devices over time;

determining, by the processor, that the position of the wireless communication device relative to the plurality of localization devices corresponds to a plurality of positions indicative of an occurrence of a risk event; and

categorizing, by the processor and based on the plurality of positions, the driver into a risk category.

12. The method of claim 11 , wherein the plurality of localization devices comprise an electromagnetic transceiver.

13. The method of claim 11 , wherein the plurality of positions correspond to a height of the driver seated in the vehicle, and the risk event corresponds to the driver speaking while the wireless communication device is placed on an ear of the driver.

14. The method of claim 11 , wherein insurance premium discounts are provided to an insured of the vehicle if the risk category indicates that the driver is associated with a good risk.

15. The method of claim 11 , wherein an electromagnetic transceiver is attached to the wireless communication device.

16. The method of claim 11 , wherein the signal comprises a Bluetooth Low Energy (BLE) signal.

17. The method of claim 11 , wherein the at least three localization devices comprises four localization devices that are attached to said vehicle symmetrically.

18. A method performed by a risk assessment module communicatively coupled with: (i) a plurality of localization devices attached to a vehicle; (ii) a wireless communication device configured to transmit a signal to the plurality of localization devices, wherein each of the plurality of localization devices processes the signal to determine position data of the wireless communication device relative to the plurality of localization devices attached to the vehicle over time; and (iii) a telematics processing module of a computing device configured to determine that the vehicle is in motion; wherein the method comprises:

analyzing the position data of the wireless communication device inside the vehicle to determine one or more parameters comprising an amplitude, a phase, an angle of reception, and an elapsed time;

determining, by applying a triangulation technique to the one or more parameters, a range of positions of the wireless communication device in the vehicle;

determining a probability that the range of positions is indicative of an occurrence of a risk event; and

categorizing the driver into a risk category based on the probability.

19. The method of claim 18 , wherein the occurrence is based on the position data indicating that the range of positions is indicative of a height corresponding to a head of the driver.

20. The method of claim 18 , wherein the signal comprises a Bluetooth signal.