MANAGING VEHICLE OPERATOR PROFILES BASED ON PRIMARY AND SECONDARY TELEMATICS INFERENCES VIA A TELEMATICS MARKETPLACE

1 . A computer-implemented method for data management, the computer-implemented method comprising:

collecting a plurality of personal data sets associated with a plurality of vehicle operators continually;

collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules,

for each vehicle operator of the plurality of vehicle operators:

generating and continually updating an operator profile including the personal data set associated with the vehicle operator;

determining and continually updating one or more primary telematics inferences based at least in part upon the sensor data set and the personal data set associated with the vehicle operator;

generating and continually updating a data profile including the one or more primary telematics inferences associated with the vehicle operator; and

listing and continually updating the data profile onto a telematics marketplace to be accessible by a plurality of marketplace participants;

receiving, from a requesting party of the plurality of marketplace participants, a supplemental information request for a first set of operator profiles associated with a first group of vehicle operators of the plurality of vehicle operators;

for each vehicle operator of the first group of vehicle operators in response to the supplemental information request:

determining and continually updating one or more secondary telematics inferences based at least in part upon the sensor data set associated with the vehicle operator; and

updating the data profile including the one or more secondary telematics inferences associated with the vehicle operator continually;

receiving, from the requesting party, a profile information request for a second set of operator profiles associated with a second group of vehicle operators of the first group of vehicle operators; and

transmitting, in response to at least the profile information request, operator profiles of the second group of vehicle operators to the requesting parts.

2 . The computer-implemented method of claim 1 , wherein, the one or more primary telematics inferences includes an overall score, profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs score, a predicted retention score, or a payment reliability score.

3 . The computer-implemented method of claim 1 , wherein, the one or more secondary telematics inferences includes a period-specific profitability score, a period-specific reliability score, a period-specific financial stability score, a period-specific financial reliability score, a period-specific demographic score, a period-specific mobility score, a period-specific predicted rid; score, a period-specific predicted costs score, a period-specific predicted retention score, or a period-specific payment reliability score

4 . The computer-implemented method of claim 1 , wherein, the one or more secondary telematics inferences includes an industry-specific profitability score, an industry-specific reliability score, an industry-specific financial stability score, an industry-specific financial reliability score, an industry-specific demographic score, an industry-specific mobility score, an industry-specific predicted risk score, an industry-specific predicted costs score, an industry-specific predicted retention score, or an industry-specific payment reliability score.

5 . The computer-implemented method of claim 1 , wherein, the one or more secondary telematics inferences includes a use-specific profitability scorn, a use-specific reliability score, a use-specific financial stability score, a use-specific financial reliability score, a use-specific demographic score, a use-specific mobility score, a use-specific predicted risk score, a use-specific predicted costs score, a use-specific predicted retention score, or a use-specific payment reliability score.

6 . The computer-implemented method of claim 1 , wherein, the transmitting the operator profiles includes:

transmitting, in response to at least the profile information request and receipt of a payment, operator profiles of the second group of vehicle operators to the requesting party.

7 . The computer-implemented method of claim 1 , wherein:

the one or more sensing modules includes a common module used by a plurality of mobile applications;

the common module is a software module or a common hardware module; and

each vehicle operator uses at least one mobile application of the plurality of mobile applications.

8 . The computer-implemented method of claim 7 , wherein, the plurality of mobile applications includes a system software application, an entertainment software application, a gaming software application, a navigation software application, or an environment software application.

9 . The computer-implemented method of claim 1 , wherein, the personal data set includes vehicle operator-answered questionnaire data, application-usage data, device-usage data, internet-browsing data, or government data.

10 . A computing system for data management, the computing system comprising:

one or more processors; and

a memory storing instructions that, upon execution by the one or more processors, cause the computing system to perform one or more processes including:

collecting a plurality of personal data sets associated with a plurality of vehicle operators continually;

collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more serving modules;

for each vehicle operator of the plurality of vehicle operators:

generating and continually updating an operator profile including tire personal data set associated with the vehicle operator;

determining and continually updating one or more primary telematics inferences based at least in part upon the sensor data set and the personal data set associated with the vehicle operator;

generating and continually updating a data profile including the one or more primary telematics inferences associated with the vehicle operator; and

listing and continually updating the data profile onto a telematics marketplace to be accessible by a plurality of marketplace participants;

receiving, from a requesting party of the plurality of marketplace participants, a supplemental information request for a first set of operator profiles associated with a first group of vehicle operators of the plurality of vehicle operators;

for each vehicle operator of the first group of vehicle operators in response to the supplemental information request:

determining and continually updating one or more secondary telematics inferences based at least in part upon the sensor data set associated with the vehicle operator; and

updating the data profile including the one or more secondary telematics inferences associated with the vehicle operator continually;

receiving, from the requesting party, a profile information request for a second set of operator profiles associated with a second group of vehicle operators of the first group of vehicle operators; and

transmitting, in response to at lead the profile information request, operator profiles of the second group of vehicle operators to the requesting party.

11 . The computer system of claim 10 , wherein, the one or more primary telematics inferences includes an overall score, a profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs score, a predicted retention score, or a payment reliability score.

12 . The computer system of claim 10 , wherein, the one or more secondary telematics inferences includes a period-specific profitability score, a period-specific reliability score, a period-specific financial stability score, a period-specific financial reliability score, a period-specific demographic score, a period-specific mobility score, a period-specific predicted risk score, a period-specific predicted costs score, a period-specific predicted retention score, or a period-specific payment reliability score. 13 . The computer system of claim 10 , wherein, the one or more secondary telematics inferences includes an industry-specific profitability score, an industry-specific reliability scone, an industry-specific financial stability score, an industry-specific financial reliability score, an industry-specific demographic score, an industry-specific mobility score, an industry-specific predicted risk score, an industry-specific predicted costs score, an industry-specific predicted retention score, or an industry-specific payment reliability score.

14 . The computer system of claim 10 , wherein, the one or more secondary telematics inferences includes a use-specific profitability score, a use-specific reliability score, a use-specific financial stability score, a use-specific financial reliability score, a use-specific demographic score, a use-specific mobility score, a use-specific predicted risk score, a use-specific predicted costs score, a use-specific predicted retention score, or a use-specific payment reliability score.

15 . The computer system of claim 10 , wherein, the transmitting the operator profiles includes.

transmitting, in response to at least the profile information request and receipt of a payment, operator profiles of the second group of vehicle operators to the requesting party.

16 . The computer system of claim 10 , wherein

the one or more sensing modules includes a common module used by a plurality of mobile applications;

the common module is a software module or a common hardware module; and

each vehicle operator uses at least erne mobile application of the plurality of mobile applications.

17 . The computer system of claim 16 , wherein, the plurality of mobile applications includes a system software application, an entertainment software application, a gaming software application, a navigation software application, or an environment software application

18 . The computer system of claim 10 , wherein, the personal data set includes vehicle operator-answered questionnaire data, application-usage data, device-usage data, internet browsing data, or government data.

19 . A non-transitory computer-readable medium storing instructions for data management, the instructions upon execution by one or more processors of a computing system, cause the computing system to perform one or more processes including:

collecting a plurality of personal data sets associated with a plurality of vehicle operators continually;

collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules;

for each vehicle operator of the plurality of vehicle operators:

generating and continually updating an operator profile including the personal data set associated with the vehicle operator;

determining and continually updating one or more primary telematics inferences based at least in part upon the sensor data set and the personal data set associated with the vehicle operator;

generating and continually updating a data profile including the one or more primary telematics inferences associated with the vehicle operator; and

listing and continually updating the data profile onto a telematics marketplace to be accessible by a plurality of marketplace participants;

receiving, front a requesting party of the plurality of marketplace participants, a supplemental information request for a first set of operator profiles associated with a first group of vehicle operators of the plurality of vehicle operators;

for each vehicle operator of the first group of vehicle operators in response to the supplemental information request:

determining and continually updating one or more secondary telematics inferences based at least in part upon the sensor data set associated with the vehicle operator, and

updating the data profile including the one or more secondary telematics inferences associated with the vehicle operator continually;

receiving, from the requesting party, a profile information request for a second set of operator profiles associated with a second group of vehicle operators of the first group of vehicle operators; and

transmitting, in response to at least the profile information request, operator profiles of the second group of vehicle operators to the requesting party.

20 . The non-transitory computer-readable medium of claim 19 , wherein, the one or more primary telematics inferences includes an overall score, a profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs sore, a predicted retention score, or a payment reliability score.