Method and system for providing feedback based on driving behavior

1. A method comprising:

communicating, by way of a wireless cellular network, between an identification module coupled within a vehicle and an operations center remote from the vehicle;

determining an indication of driving behavior of a driver in the vehicle, the determining by:

detecting, by the identification module, a wireless cellular signal transmitted from a mobile device associated with the driver wherein the mobile device is different from the identification module;

identifying the driver in the vehicle by way of the detected wireless cellular signal;

collecting data, by a monitoring module coupled to the vehicle, related to the driving behavior of the driver;

issuing an alert to a third party, the alert providing the indication of driving behavior of the driver, wherein an interest rate of a vehicle loan currently issued to the driver is adjusted based on the alert.

2. The method of claim 1 further comprising displaying the alert to the driver.

3. The method of claim 2 wherein displaying the alert further comprises displaying the alert by way of at least one selected from the group consisting of: an alert sent to a smartphone application; a visual alert sent to a navigation system coupled to the vehicle; and an alert sent to a heads-up display (HUD) coupled to the vehicle.

4. The method of claim 1 wherein collecting data further comprises collecting at least one selected from the group consisting of: location of the vehicle; speed of the vehicle; acceleration of the vehicle; deceleration of the vehicle; turn signal usage of the vehicle; and seat belt usage of the vehicle.

5. The method of claim 1 further comprising:

receiving, by a Global Positioning Receiver, Global Positioning System signals;

creating, by the Global Positioning Receiver, location information based on the Global Positioning System signals; and

monitoring the movement of the vehicle based, at least in part, on the location information.

6. The method of claim 1 further comprising:

monitoring the movement of the vehicle based on movement detected by a three-axis accelerometer associated with the vehicle.

7. A method comprising:

communicating, by way of a wireless cellular network, between an identification module coupled within a vehicle and an operations center remote from the vehicle;

determining an indication of driving behavior of a driver, the determining by:

identifying, by the identification module, the driver in a vehicle by way of a wireless cellular signal transmitted from a mobile device associated with the driver;

detecting movement of the vehicle;

collecting data related to the driving behavior of the driver; and

issuing an alert comprising the indication of driving behavior of the driver,

wherein an interest rate of a vehicle loan currently issued to the driver is adjusted based on the alert.

8. A system comprising:

an onboard device comprising:

a processor;

a global positioning system receiver coupled to the processor;

a wireless interface coupled to the processor;

a memory coupled to the processor, the memory storing a program that, when executed by the processor, causes the processor to:

identify a driver in a vehicle by way of a wireless cellular signal transmitted from a mobile device associated with the driver, wherein the mobile device is different from the onboard device;

detect a movement of the vehicle;

collect data related to the driving behavior of the driver; and

issue an alert related to the driving behavior of the driver, wherein an interest rate of a vehicle loan currently issued to the driver is adjusted based on the alert.

9. The system of claim 8 wherein when the processor issues the alert, the program further causes the processor to issue the alert to the driver.

10. The system of claim 8 wherein when the processor issues the alert, the program further causes the processor to issue the alert to a third party.

11. The system of claim 8 wherein when the processor collects, the program further causes the processor to collect data related to at least one selected from the group comprising: location of the vehicle; speed of the vehicle; acceleration of the vehicle; deceleration of the vehicle; turn signal usage of the vehicle; and seat belt usage of the vehicle.

12. The method of claim 8 wherein when the processor detects, the program further causes the processor to detect based on Global Positioning System signals received.

13. The method of claim 8 further comprising:

a three-axis accelerometer coupled to the processor;

wherein when the processor detects, the program further causes the processor to detect based on movement detected by the three-axis accelerometer.

14. The method of claim 1 further comprising:

receiving information from an individual, corresponding to configuring a set of boundaries, the configuration related to determining the indication of driving behavior and relating to issuing the alert.

15. The method of claim 7 further comprising:

receiving information from an individual, corresponding to configuring a set of boundaries, the configuration related to determining the indication of driving behavior and relating to issuing the alert.

16. The system of claim 8 wherein when the processor collects data, the data is collected based on a configuration determined by the driver.

17. The method of claim 1 wherein issuing the alert to the third party further comprises issuing the alert to a financing company in real-time as the driver drives.

18. A system comprising:

a processor;

a wireless interface coupled to the processor;

a memory coupled to the processor, the memory storing a program that, when executed by the processor, causes the processor to:

receive an identity of a driver from an onboard device coupled to a vehicle;

receive data collected by the onboard device coupled to the vehicle, the data related to the driving behavior of the driver; and

issue an alert to a third party that causes an adjustment to an interest rate of a vehicle loan currently issued to the driver, wherein the alert is based on the data collected related to the driving behavior of the driver.

19. The method of claim 1 wherein a frequency of alerts issued determines at least one selected from the group consisting of: an interest rate; a loan premium; and a deductible amount.

20. The method of claim 1 , wherein the operations center is remotely located from the vehicle.

21. The method of claim 1 , wherein collecting data related to the driving behavior of the driver comprises collecting data related to at least one selected from the group comprising: location of the vehicle; speed of the vehicle; acceleration of the vehicle; deceleration of the vehicle; turn signal usage of the vehicle; and seat belt usage of the vehicle.

22. The method of claim 18 , wherein receive data collected by the onboard device further comprises data received in real-time as the driver drives.