Automated consumer to business electronic marketplace system

[0001] This application is a continuation of U.S. patent application Ser. No. 12/041,290 filed Mar. 3, 2008, which is a continuation-in-part application of U.S. application Ser. No. 10/825,967, filed Apr. 16, 2004, issuing Mar. 4, 2008 as U.S. Pat. No. 7,339,483 which claims the benefit of U.S. Provisional Application No. 60/463,380 filed Apr. 16, 2003, and is also a continuation-in-part application of U.S. application Ser. No. 10/690,459, filed Oct. 20, 2003, now abandoned, which is a continuation of U.S. application Ser. No. 09/638,177, filed Aug. 11, 2000, now abandoned, each of which are incorporated by reference.

[0002] The present invention is related generally to a system and method for monitoring various types of information relating to the operation of vehicles, building systems, or monitoring of other personnel or environments, and reporting such information anonymously to an electronic marketplace. Based on said anonymous information, appropriate vehicle-related product and service offerings from selected suppliers are identified, analyzed, and reported back to said vehicles' owners, who can then make purchase decisions through the electronic marketplace. The invention also includes a system and method for presenting the vehicles' drivers with vehicle insurance alternatives, at the start of each vehicle operation, allowing selection of the most appropriate alternative for each trip. The invention further provides a system and method for communicating information consistent with the driver's insurance choice to the insurance company providing vehicle insurance coverage in effect at the time of the selection. The invention is also directed to providing a user with alternatives to other products or services, depending upon the environment or application, such as alternative suppliers of home or business insurance products, building systems, energy suppliers or many other similar applications.

[0003] After market vehicle equipment, vehicle insurance, and other vehicle-related services are usually sought out by vehicle owners interested in such products. The owner must research the specific costs related to such products and choose the products based on their driving needs. Insurance costs are generally a result of the characteristics of a vehicle, the vehicle's drivers and their driving histories. Prices for insurance products are usually sold on a yearly basis and are determined by a profile of the drivers, their driving records, and characteristics of the vehicle at the time that the policy is purchased. Prices are a function of the drivers' genders and ages, where they live, work, and park the vehicle and the number of miles the vehicle is driven on a daily basis. All of these factors contribute to the calculation of an insurance rate for a yearly term. In most cases, the rates are not variable for changes in these conditions during the year term of the policy.

[0004] It is also a common practice for insurance companies to offer discounts on vehicle insurance premiums for a vehicle which has optional factory-installed or after market products that are believed to promote safer operation of the vehicle and/or offer greater protection for the driver and other vehicle occupants, or even the vehicle itself. Examples of such products are ABS brakes, which are believed to reduce the number and severity of accidents, and vehicle security systems, which reduce the potential for vehicle theft. In the cases of such products, the presence of the product, once properly-installed on the vehicle, is generally enough evidence to support that it will function to provide the added benefits which warrant the discount offered in vehicle insurance premiums.

[0005] Recently, some products have been introduced for vehicles, and others are being prepared for introduction, which promote safer vehicle operation, but which can be utilized at the driver's discretion. These types of products offer significant potential for improving safety, but since there is no prior knowledge or assurance of how many such products will be utilized, it is difficult to justify offering vehicle insurance premium reductions for their purchase. Examples of such products already introduced into the market are navigation systems, heavy-vehicle forward collision warning systems, and heavy-vehicle lane-change collision warning systems. Other products announced for market introduction are heavy-vehicle lane-departure warning systems, and being prepared for heavy-vehicle product introduction are drowsy- and/or inattentive-driver monitoring systems. For various reasons, such products are often introduced first for heavy vehicles for commercial use, but are expected to be also offered later for light vehicles for commercial and personal use.

[0006] As such safety-related products only function at the driver's discretion, the utilization is difficult to assess. Attempts to account for this problem have been set forth in U.S. Pat. Nos. 5,797,134 and 6,064,970, entitled “Motor Vehicle Monitoring System for Determining a Cost of Insurance”. The inventions taught by these two patents provide for capturing data relating to vehicle operations and using such data to determine the appropriate vehicle insurance premium.

[0007] A problem with such an operation is found in the requirement to have the relevant data captured and reported to the insurance company's central computers. There are concerns about potential loss of privacy due to having such data captured and communicated to another party. A further problem can exist if the owner decides not to surrender that type of information from time to time, or if other people are allowed to drive his vehicle who might object to having otherwise-private information about their location and driving habits captured and transmitted to the insurance company.

[0008] In other developments relevant to the current invention, a number of insurance companies have developed Internet web sites through which consumers can provide relevant information and receive quotes for insurance policies, including automotive insurance. According to the story “Not the Agents of Change” on page 225 of the Jun. 13, 2000 issue of the magazine “Business 2.0”, Progressive Casualty Insurance Company launched the first auto insurance company Website in mid 1997, and at present is receiving 630,000 unique visitors nationwide. In addition to the traditional vehicle insurers utilizing traditional agents that are now beginning to also market their products through their own web sites, at least one company has been formed without traditional agents to market its own insurance products exclusively through its Internet web site eCoverage.com (eCoverage P&C Insurance Services, Inc.).

[0009] There are now also a number of electronic marketplaces accessible as web pages through the Internet, some of which allow consumers to comparison-shop for various products and services offered to them by businesses, sometimes called “consumer-to-business” or C2B sites, since it is the consumer who takes the initiative to utilize such sites to evaluate alternative business products. The attraction of a C2B marketplace to many consumers, compared with Internet web sites belonging to a single business, is the availability of alternatives from a central, presumably neutral, source. Various protections are claimed for protecting the privacy of information provided by the consumer in order to receive an analysis of suitable alternative product or service choices.

[0010] Some existing C2B sites offer insurance products, including automotive insurance. Based on information supplied on-line by the consumer on his and other intended drivers' profiles, driving records, and vehicles to be covered, comparisons are generally made between alternative companies' vehicle insurance policies and an analysis is provided on-line to the consumer. In some cases the consumer can choose to purchase a desired insurance policy through the C2B site, and in other cases either is directed to contact an appropriate agent or has the necessary information forwarded to an agent, who in turn contacts the consumer to arrange the sale. Examples of such C2B sites offering automotive insurance and their owners are InsureMarket.com (Intuit Inc.'s Quicken Insurance site), InsWeb.com (InsWeb Corporation), Einsure.com (E-INSURE Services, Inc.), and IAC.com (Insurance Answer Center, Inc.).

[0011] At present, even considering the existing methods and systems art, a problem remains in providing automotive insurance with premiums based in part on vehicle-operation related data captured by systems on the vehicle. A vehicle's owner currently has no convenient way of selectively capturing data relating to operation of their vehicle, to identify potential savings in vehicle insurance premiums. This is a smaller problem for premiums based solely on vehicle usage, since most drivers can estimate how much a vehicle is driven, where it is generally driven, and at what times. Such information can be provided via a web site or to a traditional agent, and estimated premiums calculated. However, the potential exists for premiums to also be based on the way the car is driven, both in absolute terms (frequency of hard-braking ABS events, high accelerations, sudden swerves, etc.) and relative to other vehicles (tailgating, high-speed approaches to other vehicles), relative to the roadway (difficulty staying within lane), and/or the driver's ability to stay alert and attentive to the driving task. These types of information are easily identified and can be captured from existing ABS systems, collision warning systems, lane-keeping and road-departure warning systems, drowsy- and/or inattentive-driver monitoring systems, and the like, but such data are not generally available directly to the vehicle owner. Further, the owner's or other driver's ability to estimate such data accurately is very unlikely. For these reasons, the present art does not provide a convenient approach for capturing such relevant data and providing the vehicle owner with vehicle insurance alternatives based on the current vehicle's configuration. Likewise, the present art does not provide a convenient approach for providing the vehicle owner with vehicle insurance alternatives based on the addition of various after market vehicle products capable of capturing vehicle-operation related information which may be reported to an insurance company for vehicle insurance premium discounts.

[0012] Similarly, in other environments, such as the home or place of business, it would be advantageous to provide the ability to monitor the user or environment to allow the capture of data, which can be communicated to an electronic marketplace to calculate the cost of related products or services to the user within such an environment.

[0013] The present invention provides a system and a method to address these problems in the art through systems and methods which allow effective capturing of vehicle configuration and operational data for determining possible vehicle insurance premium discounts, without the associated problems noted above. The system may comprise a device for monitoring data concerning vehicle operation, driver status, and/or external environment (such as vehicle position relative to other vehicles, obstacles, other vehicles speeds, distances, accelerations, directions of travel or the like, boundaries of a lane or roadway or the like). A communication system for making such information anonymously available to an electronic marketplace is provided, and based upon the information, a system by which the electronic marketplace identifies appropriate vehicle equipment or services offered by various suppliers may be provided. The electronic marketplace communicates such analysis back to the vehicle owner, and a system by which the vehicle owner can select such vehicle equipment or services for purchase based on the communicated analysis is provided. There may also be provided a system by which a vehicle driver can select at the beginning of each trip among vehicle insurance alternatives involving the capture and reporting of various vehicle operation related data offered by the automotive insurance policy previously purchased by the vehicle owner. A similar approach may be provided for other environments, such as the home, office, other places of business or the like, where a user, other people or the environment may be monitored, data captured and products or services related to the user, others or the environment correlated and communicated in a similar fashion.

[0014] It is an object of the present invention to provide systems and methods for monitoring information about a vehicle's operation and driver status, such as usage of various equipment installed on the vehicle, frequency of hard-braking, high accelerations, ABS engagement, sudden swerves, tailgating, high-speed approaches to other vehicles, difficulty staying within lane, and the driver's state of alertness and/or attentiveness to the driving task.

[0015] It is a further object of the present invention to provide systems and methods for transmitting such data to an electronic marketplace, such as an Internet web site, without identifying or allowing the identification of the particular vehicle, its driver, or its owner.

[0016] It is another object of the present invention that such data be used for providing pricing information regarding various equipment and services judged suitable due to the vehicle's current configuration, which information is communicated to the vehicle's owner while maintaining his anonymity allowing the vehicle's owner to select equipment or services for purchase if desired.

[0017] A further object of the invention is to allow such data to be used in relation to insurance on the driver him/herself that relates to safety, or other driver characteristics, such as life insurance, disability insurance or the like.

[0018] It is another object of the present invention to allow a driver to select the features of the vehicle, driver, vehicle operation, and/or external environment which are monitored during a particular trip and made available for various analysis and reports to the vehicle owner and optionally to an insurance company for vehicle insurance purposes. All generated data can also be captured for anonymous reporting to the Web site for aggregation with other vehicles' data for statistical purposes—for insurance purposes as well as others, such as compiling overall driving safety statistics.

[0026] In the following detailed description of the preferred embodiments of the present invention, reference is made to the accompanying drawings which, in conjunction with this detailed description, illustrate and describe a system and method for vehicle monitoring. It should be recognized that the systems, methods and other aspects of the invention can also be used in other situations or environments as the vehicle monitoring system described herein, and the invention is not to be limited to any particular application or environment.

[0027] Turning now to FIG. 1, there is shown a system and method according to an embodiment of the invention, to facilitate acquisition and communication of data to and from a vehicle, providing the ability to monitor and use driving conditions of the vehicle and/or driver characteristics, to provide the basis for policy-premium adjustments related to insuring the vehicle. These adjustments could be discounts provided for electing specific monitoring options, or adjustments based on analysis of the data monitored and communicated to the insurance company providing vehicle insurance to the vehicle. While such adjustments could be discounts or surcharges based on the analysis of data captured and analyzed through the electronic marketplace for such purposes, in a preferred embodiment the data and/or their analysis are only provided to the insurance company for policy premium adjustments if a discount is available. In such cases when analysis through the electronic marketplace shows that no discount from the current vehicle insurer is available, no data would be transmitted to the insurer and the normal policy premium would be charged for the relevant period. Data is selectively communicated to and from the vehicle to allow the vehicle owner the option of providing data to insurance companies, allowing the insurance company to more accurately assess safety of operation of the vehicle or other parameters relating to insurance coverage. Such data may be anonymously provided to a central source, where it may be analyzed using criteria as set forth by various insurance companies, allowing an accurate assessment of premiums which may be available for various insurance policies. As the analysis is based upon actual driving conditions and operator characteristics, the vehicle owner may facilitate controlling insurance costs, and such information may also be used for actual purposes to provide valuable resources for evaluating characteristics of insurance coverage. The data acquired and utilized in the present invention depends in part upon what types of systems may be associated with a particular vehicle for generating desired data. Systems and devices to generate desirable data may be of a variety of different types, and may either be provided as original equipment on the vehicle, or as aftermarket products installed on the vehicle. As merely examples of systems and devices which may be useful to generate desirable data, adaptive cruise control systems, such as produced by Delphi Delco Electronics Systems, can be used to capture data relating to information sensed by a radar system, relating to vehicle operation. Similarly, vehicle collision warning systems would produce similar information useful for analysis of vehicle operation. General characteristics of vehicle operation available from other vehicle systems could also could be monitored, which may include vehicle speed, use of safety belts, braking characteristics, acceleration characteristics, miles driven, time and length of vehicle operation, initiation of ABS, airbag or other safety systems, as well as other data which may be helpful to evaluate operation of the vehicle. Further, using a system for identifying the location of vehicle, such as GPS or cellular networks, allow evaluation of the types of roads on which the vehicle is driven, where the vehicle is parked and the like, to evaluate possible risk of accident or theft. Other data which may also be desirable include data regarding the status of the vehicle operator. For example, alertness of the driver may be monitored, or other characteristics, such as cell phone use, smoking or the like. Based upon the foregoing, it should be understood that any systems or method of evaluating vehicle operation, operator status or other desirable information related to insuring the vehicle, evaluating warranty claims or insurance claims, or for other purposes, may be captured or used in accordance with the systems and method of the present invention. Thus, although the description of the embodiment herein relates to data and evaluation for purposes of insurance coverage, other uses are contemplated, and are within the scope of the invention.

[0028] In FIG. 1, an exemplary system and method will be described with reference to a single vehicle, although it should be understood that any number of vehicles can be incorporated into the system, regardless of geographic location. A vehicle 10 equipped with at least one system or device which will generate data to be captured relating to at least one of the group of vehicle operation, vehicle operator status, vehicle operator characteristics, vehicle location, times of operation/parking, other vehicles, or roadway features. A data generating system 12 is thus shown schematically as such a system or device, and may be of any variety of configurations and/or characteristics to generate any of the data as described. The at least one system 12 is coupled to a communication system 14 adapted to receive generated data, process said data if necessary, and transmit such data from the vehicle. The communication system 14 is able to transmit and receive information in any suitable format, and through any suitable communications system. In the embodiment shown, wireless communication from the vehicle 10 via the communications system 14 is provided through any suitable wireless network. Alternatively, cellular or other systems may be utilized if desired, as long as such systems provide transmission and receipt of information for purposes of the invention. As shown in FIG. 1, communication system 14 may transmit data via a transmitter 16 to a central facility, such as an electronic marketplace, for instance web site 20. The electronic marketplace site 20 may in turn be located on a computerized information network, such as the Internet. The Website 20 may be operated by a wireless application service provider (“WASP”), to allow wireless communication to the site 20. In the embodiments shown, communication from system 14 to site 20 is performed anonymously to maintain privacy of the information relative to a particular vehicle owner or operation of a vehicle. Also connected to the Website 20, may be one or more insurance companies 22 and/or service or product suppliers 24, and/or information from such companies 22 or suppliers 24 may be integrated into Website 20. The Website 20 may allow a user to interface with the insurance companies 22 and/or service providers 24 through pages on site 20, or hyperlinks to other appropriate sites. The vehicle owner may also communicate with the Website via a home computer 26 or the like.

[0029] As mentioned previously, and with reference to FIG. 2, the communication system 14 may be supplied with data generated by one or more systems or devices to monitor various aspects of the vehicle operation and/or driver status or behavior. As merely examples, the driver's behavior 30, steering function 32, brake function 34, engine function 36, tires 38, the location of the vehicle 40, the driver status 42, external environment data 43 (such as vehicle position relative to other vehicles, obstacles, other vehicles speeds, distances, accelerations, directions of travel or the like, boundaries of a lane or roadway or the like), and other data 44. External environment data may be captured by outward-looking sensors on adaptive cruise control, collision warning, lane departure warning, and other such systems.

[0030] Turning now to FIG. 3, the system and methods of the invention according to this embodiment will be described in more detail. The data generated by the one or more systems relating to vehicle operation/driver status or driver behavior are aggregated as vehicle/driver data 50 and coupled to the communication system 14. This data is then transmitted to the Website 20 at 52. The vehicle/driver data may be transferred to the Website at predetermined intervals, such as weekly, and in this embodiment, such transmission is anonymous. The anonymous vehicle/drive data may then be aggregated with other such data transmitted by other vehicles, and forwarded to the member insurance companies or other organizations at 54, which may be useful for actuarial purposes or other statistical purposes. Because the data is preferably anonymous as well as aggregated, the insurance company cannot judge at this point a proposed insurance policy and premium pricing for an individual vehicle owner. The vehicle/driver data is also analyzed at 56, which in the embodiment shown is performed at the Website 20 with resident resources used in association with the Website 20. In an embodiment of the invention, the Website 20 may be provided with information from member insurance companies 22, relating to each of their calculations for proposing insurance coverage to a customer. Such analysis will include providing policy premium adjustments based upon the actual operation of the vehicle, driver status or driver behavior as determined from the vehicle/driver data. As the systems and devices which generate data for an individual vehicle may vary to a great extent, any proposed insurance coverage and analysis of the vehicle/driver data is performed specifically on the vehicle/driver data available for a particular vehicle. Alternatively, the vehicle/driver data may be forwarded or transmitted to a member insurance company 22, where an analysis of the data may be performed and returned to the Website 20. Under either embodiment, an analysis of the vehicle/driver data will allow generation of a report which will indicate to the vehicle owner information to allow the owner to potentially purchase insurance products and/or other products or services which may enhance the ability of the driver to receive discounts on their vehicle insurance. The vehicle/driver data analysis report is thus transmitted to the vehicle owner at 58, which again may be performed at predetermined timed intervals corresponding to receipt of the data. It should be understood that although transmission of the data and report is discussed as being performed at intervals, it should be understood that continuous transmission of data is possible, with reports generated accordingly. In an embodiment of the invention, the vehicle/driver data analysis report may be transmitted back to the communication system 14, still in anonymous form, and from the communication system 14 may in turn be retransmitted to the vehicle owner such as by electronic mail to the vehicle owner's computer at 60. Other possible methods of communicating the vehicle/driver data analysis report to the vehicle at 58 are also contemplated. In this way, the vehicle owner will be able to review possible discounts available from one or more insurance companies based upon the actual vehicle/driver data transmitted from the communication system 14. If a vehicle owner has an existing relationship with an insurance company, the vehicle owner may desire that the vehicle/driver data analysis be forwarded to the insurance company to receive a specified discount. For example, the vehicle owner may contact the Website 20 and issue instructions that the vehicle/driver data as well as analysis report be forwarded to their insurance company.

[0031] It is also an advantage of the system and methods according to the invention that a vehicle owner can use the invention to determine what types of discounts or premiums may be available based upon actual vehicle/driver data. The system can be used without transmitting data to the insurance company, and thus the vehicle owner can selectively forward data when a discount is available, but may withhold such information if no discount would be generated. It should also be apparent, that if no discount would be available, this may indicate problems in the analysis relating to vehicle operation, driver status or driver behavior, which may motivate the vehicle owner to correct any such problems and thereby receive appropriate discounts. It is also contemplated in the invention, that the communication system 14 may be selectively operated by the vehicle driver so as to capture and transmit data only when desired. Regardless of the ability to use the system to reduce insurance costs in this application, a vehicle owner could use the system to receive driving analysis reports, indicating any unsafe operation of the vehicle or the like, to assist the driver in becoming safer and more aware of risks in driving.

[0032] The vehicle owner may maintain control over use of the systems or methods, and any such information is maintained anonymous by the Website 20.

[0033] It should also be recognized that if the vehicle owner does not have a computer or other access to electronic mail or the like, the Website may allow a user to communicate via a telephone, using an interactive voice recognition system (IVR) or the like. An IVR system will allow a user to use a touch-tone keypad as an input device for providing or receiving information to the Website.

[0034] Also based upon a vehicle owner using the system and methods according to the invention, the Website may provide an interface for making purchase decisions with respect to insurance products, services or other products, as well as accessing other information and services provided by the Website. Tuning to FIG. 4, an example of a home web page 60 may provide an initial interface with a vehicle owner or other registered user, or as the interface to a potential new user to allow registration. The page 60 may include a number of interface buttons generally depicted at 62, which increase the user's efficiency in traversing the Website. The graphical interface provided by the Website may provide features in the menu bar 62, such as a home button 64 to return the user to the welcome page 60 from another location in the site. A supplier button 66 may be provided to refer the user more information regarding suppliers of products or services which may relate to the function of the Website 20. An insurance company's button 68 may similarly provide the user with additional information regarding member insurance companies. In addition, the menu bar 62 may include various general information or services to the customer, by means of a customer service button 70, a what's new button 72, a tutorial button 74 as well as a site map 76. The welcome page 60 may also include hypertext links 78 to link the user to other sites on the global information system relating to products or services which may be of interest. As with other Internet sites, advertising banners 80 or other marketing or informational material may be provided on the site. There may also be provided on the welcome page 60 an interface to allow a registered user to enter a user name and password at 82 and 84, to allow access to more particular information relating to this user. If a user forgets his or her password, a link 86 may be provided to allow the user to submit information wherein the Website will communicate the user's password to allow them to access the site. For other users, a registration interface 88 may be provided, which will transfer the user to a registration page 90 as shown in FIG. 5. On the registration page 90, a user will be prompted to input various basic information, such as name 91, address 92, age 93, sex 94, other drivers 95 or any additional information which may be helpful to initially evaluate insurance products for the user. Similarly, vehicle information is also submitted by the user, which may include, but is not limited to type and model of the vehicle at 96, model year 97, safety equipment or systems or other vehicle or driver monitoring equipment 98 or any other vehicle information which may be desired. Initial registration may also request driver information, such as but not limited to violations or citations issued to a driver at 99 and any insurance claims filed at 100, and the driver license number and state at 107. The user may also be prompted to identify the types of insurance coverage which may be desired, relating to liability insurance 101, uninsured motorist insurance 102, comprehensive insurance 103, collision insurance 104, as well as liability limits desired in the insurance policy, and deductible ranges at 105 and 106. Although various information has been depicted in FIG. 5, it should be recognized that any additional information which may be desired can be obtained similarly.

[0035] In an embodiment of the invention, once the user has registered via an interface such as FIG. 5, or via an IVR system using a telephone, the user profile data will allow the Website 20 to evaluate the user generally under various member insurance company criteria. As shown in FIG. 6, once user profile information is entered at 110, a user name and password may be issued at 112. Based upon the user profile information entered, a report of insurance policies and premium ranges based upon the information may be issued to the user at 114. Upon acceptance by the user, an evaluation system may be forwarded to the user an initial evaluation period at 116, which will allow a user to evaluate the system and its potential advantages without any commitment. As at least a part of the evaluation system, a communication system will be installed in the vehicle at 118 to allow transmission of the vehicle/driver data to the Website as previously described. At 120, the vehicle/driver data is communicated to the Website for the initial evaluation period, and a vehicle/driver data analysis report issued to the vehicle owner at 122. Again, the report issued at 122, will allow the user to evaluate particular discounts which may be available based upon particular data generating systems or products installed in their vehicle, such as adaptive cruise control, collision warning systems, collision avoidance systems, lane changing warning systems, GPS systems, a driver alertness monitor, or any other systems or products as previously mentioned. Based upon the vehicle/driver data analysis report issued at 122, the vehicle owner may then subscribe to the Website and purchase additional products which may provide other discounts accordingly at 124. Upon subscribing to the system, operation of the system with respect to this particular vehicle owner commences as previously described. Also, due to the anonymous nature of the communication to/from the vehicle owner and supplier(s), the supplier(s) could perform market research activities through the user interface.

[0036] As previously mentioned, the communication system of the invention may also be configured by the user to allow predetermined reporting options for a particular use of the vehicle. The CS 14 may be configured to show the reporting options selected from the previous trip and use these as defaults, or may default to full privacy or any other reporting option configured by the driver. The CU display unit preferably includes a user interface mechanism such as a touch screen or keyboard by which a driver can select specified options for a current trip. The system may offer various levels of reporting, for instance, the driver may choose to have full privacy and have no information reported for a current trip. In the alternative, the driver may choose to have specific aspects of the information reported and keep others private. For instance, the driver may choose to have a location monitored and reported, while keeping the visual driver monitor private. Upon starting the vehicle, the driver may have a specified time interval in which to change the reporting options, or else the CS 14 reverts to the default options. A display unit may show the driver choices for reporting and near each choice, a percentage discount which is available for each reporting option may be shown. For example, suppose that the driver's current insurance policy rate is $100/month. On a particular trip the display unit shows potential discounts of 5% for location reporting, a 2% for driver state reporting, and a 3% for vehicle operation reporting. The driver can select the options he wishes to use for that particular trip, through the user interface. The CS monitors overall relevant data for the trip and transmits those to the web site 20. Based on the driver's selection, only data related to the selections made for that trip are made available for reports to the vehicle owner and/or insurance company currently providing vehicle insurance for vehicle 10. However, all available data may be provided anonymously and aggregated for use by member insurance companies 22 or other organizations for statistical purposes.

[0037] As another alternative, the CS 14, if supplied with data from GPS equipment, may be used to monitor the vehicle's location on a particular path. The present system may use the GPS link with the CS to notify the driver of any unusual objects in a path. For example, the CS may be able to alert a driver using an audio or visual signal able of an object such as a fallen tree blocking the road ahead. Additionally, the CS may be able to provide the driver with more specific information, for example, may alert the driver that the fallen tree is 500 feet ahead. Further, another potential function may allow the CS to use the driver's current speed and road conditions to calculate the distance from the object which the driver needs to begin braking in order to stop safely. The driver may be notified by a signal such as “BEGIN BRAKING NOW” or a similar command. Further, the communication of this information to the electronic marketplace will allow insurance companies to adjust policy rates accordingly if the driver consistently travels on a very safe or very dangerous path. Additionally, suppliers may offer various safety products based on conditions usually encountered by the vehicle.

[0038] Further, the CS may include systems for monitoring driver behavior, such as auditory, visual, odor or other monitoring of the driver, vehicle environment or external environment. The monitoring can record the driver's behavior when operating the vehicle. Thus for example, unsafe driving practices can be reported. However, other safety benefits can be gained from such a system. For example, if a driver becomes fatigued and starts to fall asleep while driving, the CU may issue an audible warning to awaken the driver to avert danger. As examples of other safety benefits, the driver can be alerted by the CU when guidelines relating to safe operation of the vehicle are in danger of being violated, thus permitting the driver to modify operation of the vehicle to stay within guidelines and thus operate more safely. For such guidelines associated with automotive insurance offering discounts for safe vehicle operation according to those guidelines, this also helps the driver avoid vehicle operations that could result in loss of automotive insurance premium discounts or possibly result in surcharges to automotive insurance premiums. Other guidelines relating to safe vehicle operation may be provided by other parties such as the vehicle owner, in which case alerts by the CU will help drivers of the vehicle to avoid driving practices that are considered dangerous by the vehicle owner or other party providing such guidelines.

[0039] In addition, the CS monitoring of various vehicle systems may serve to alert the driver of potential maintenance problems. For example, if the vehicle has worn brake pads, the communication of this information to the electronic marketplace allows various product and service suppliers to alert the driver of prices for the purchase and/or installation of new brake pads. This example is not intended to limit the scope of the invention in any way. It is contemplated that this feature of the present invention could apply to any maintenance related products or services.

[0040] In the present invention, the driver may also be offered products or services based on information provided anonymously to various suppliers. The driver may request to view this information or the display unit may be configured to ask the driver whether he would like to view such information on a periodic basis. This information may be sent back to the vehicle's CS or transmitted electronically to a location specified by the driver.

[0041] The CU display unit may include a user interface mechanism such as a touch screen or keyboard by which a driver can select specified options for a current trip. The system may offer various levels of reporting, for instance, the driver may choose to have full privacy and have no information reported for a current trip. In the alternative, the driver may choose to have specific aspects of the vehicle reported and keep others private.

[0042] It is further contemplated by the present invention that the CS may offer other services and features valuable to the driver. For example, the CS may have a timing device. Near a driver's mealtime, the CS may indicate this fact to a driver and based on the driver's location also indicate places where the driver may eat, such as restaurants. The indicator may first divide the available options by category, such as fast food, full service, etc. and then show specific restaurants in the chosen category. The CS may further provide specific food items at a particular location chosen by the driver. By way of another example, on lengthy trips, the CS may be supplied with data from a drive monitor to note the driver's behavior and indicate nearby lodgings if the driver appears fatigued or if nighttime is approaching and the driver has been driving for an extended period.

[0043] There are studies underway in the industry that evaluate the effects of collision warning systems and/or adaptive cruise control systems on drivers, usually conducted with the cooperation of commercial trucking fleets and commercially-available collision warning and/or adaptive cruise control products, such as the Eaton VORAD collision warning and adaptive cruise control products (EVT-200 and EVT-300 models). The approach used in many cases is to install the collision warning system on a vehicle but initially not have the driver display unit (DDU) functioning. Then, during some “baseline” period, the system captures the driving behavior exhibited by the driver and since no alerts or warnings of any type are being provided to the driver by the system during the baseline period, such captured data is used to represent the normal driving habits of that particular driver. Then, after the baseline period ends, the DDU is made to function normally, giving various types of collision warning alerts to the driver as governed by the logic within the collision warning and/or adaptive cruise control system. In the case of the Eaton VORAD systems, for example some EVT-300 systems which were installed at the factory also have the ability to operate as adaptive cruise control systems, which function is trademarked “SMARTCRUISE” by Eaton VORAD. After the DDU and (in cases where it exists) the SMARTCRUISE or adaptive cruise control function are “turned on”, the same driver's driving habits are captured for some “CWS-active” period. By analyzing not only each individual driver's altered driving behavior, but also that of various groups of drivers (long-haul, short-haul, etc.), results are then reported on the usual effects on driver behavior of having such collision warning/adaptive cruise control systems installed on the types of vehicles driven in the study.

[0044] In the present invention, the above can be used to provide the following method to provide information to drivers considering the purchase of vehicle insurance whose premiums are adjusted based on driving behavior, as determined through analysis of captured data from the vehicle. (Two issued U.S. patents assigned to Progressive Insurance Company describe a method which provides such adjustments to the vehicle insurance premiums.) The present invention can provide a benefit to customers who wish to evaluate the possible advantages of such vehicle insurance whose premiums are adjusted based on captured vehicle data, which have not yet purchased particular equipment that would, if on the vehicle, be able to provide the type of vehicle data on which insurance premium adjustments could be based. For example, a truck fleet interested in heavy vehicle insurance offering discounts for allowing data to be captured from a collision warning system, such as the EVT-300, would have difficulty, if the fleet does not yet have such systems installed on its vehicles, due to the fact that the collision warning system is relatively expensive and its installation and/or removal requires a number of labor hours and expense. As a result, there is a “chicken and egg” problem—if the fleet had collision warning systems installed on its trucks, then the present invention allows estimates to be provided to the fleet owners of likely insurance premiums, based on the captured data from the vehicles. However, because insurance companies have not yet started offering such insurance that adjusts premiums based on captured data, it is usually the case that only self-insured truck fleets have purchased collision warning systems, since they benefit directly and immediately from the improved safety, lower accident rates, and resulting lower costs. Other fleets which are not self insured (the vast majority of North American truck fleets are not), however, have seldom purchased the collision warning system, at least in part due to the fact that no insurance premium discounts are offered until their accident experience improves, and then it is uncertain when and how much the discount will be. As a result of this uncertainty and delay of any financial return, there is little incentive to purchase such collision warning systems. So the result is that the truck fleets that would benefit from insurance based on a model such as set forth in the Progressive patents do not already have collision warning systems installed, and the fleets that have them installed are mostly self-insured fleets, which are already benefiting from the lower accident rates and will see no further financial benefit from the Progressive-type insurance (since they are self-insured).

[0045] To address this “chicken and egg” issue, the present invention provides a method to alleviate this problem. For convenience, a Class 8 heavy truck is used in the following embodiment as an example, and components of an Eaton VORAD EVT-300 Collision Warning System are also used. Any type vehicle and any type collision warning or adaptive cruise control system utilizing forward-looking sensors with radar, laser, or other technologies are contemplated as alternative embodiments.

[0046] For a Class 8 heavy truck with no collision warning system yet installed, but whose owners wish to evaluate potential advantages of Progressive-type vehicle insurance (per their U.S.-patented inventions) with the present invention as previously described, the following steps are taken:

• • [0047] 1) Offer the following evaluation program to the owner of a Class 8 truck which has no collision warning systems currently installed, on a free or low-cost basis during the evaluation period.
  • [0048] 2) Attach an EVT-300 “smart sensor” Antenna Assembly as instructed by the Eaton VORAD EVT-300 installation instructions, to the front of the truck.
  • [0049] 3) Do not install the EVT-300 Central Processing Unit or any other components of the EVT-300 system.
  • [0050] 4) Mount the device according to the present invention in the truck as described to provide services to the truck owner.
  • [0051] 5) Attach a cable between the device mounted in step 4 and the smart sensor, such cable having been designed to fit the connectors on the EVT-300 smart sensor and the connector designed into the in-vehicle device for that purpose. Instructions for modifying a standard cable and standard connectors to function properly with the smart sensor are given in the EVT-300 VORAD Serial bus (VBUS) Specification, Abridged, dated Jan. 9, 1999.
  • [0052] 6) Have driver operate the vehicle with the in-vehicle device operating, which will in turn power the EVT-300 smart sensor and cause it to operate normally, as if it were communicating with the EVT-300 Central Processing Unit. Software commands to accomplish such operations are given in the EVT-300 VORAD Serial bus (VBUS) Specification, Abridged, dated Jan. 9, 1999.
  • [0053] 7) Data are captured and communicated to the central location as described in the present invention.
  • [0054] 8) However, since the captured data describe the driver's normal driving habits rather than his/her driving habits with the benefit of collision warning alerts and/or adaptive cruise control operation (as would be the case in the invention described previously), the results provided to the truck owner for each insurance company's “Progressive-style” insurance basing discounts on captured driving information are the following:
    • [0055] Monthly insurance premium adjustment based on driving as described by captured data, without benefit of collision warning system alerts or adaptive cruise control operation
    • [0056] Based on results of industry analyses from studies such as those described above, for changes in driver behavior from “baseline” with no collision warning alerts, to “CWS-active” experience with full EVT-300 collision warning system installed and DDU activated, an estimate is provided of the changes that would likely be experienced in driver behavior with such full system installed, as well as an estimate of the insurance premium adjustment that would apply to such changed driving behavior
    • [0057] Similarly, based on similar industry analyses for changes in driving behavior between “baseline” and “SMARTCRUISE or adaptive cruise control-onboard-and-available” driving periods, an estimate is provided of the changes that would likely be experienced in driver behavior from the “baseline” period to driving with both collision warning activated and SMARTCRUISE or adaptive cruise control active and available whenever the driver chooses cruise control, as well as an estimate of the insurance premium adjustment that would apply to such changed driving behavior.
  • [0058] 9) Then the truck owner has three choices:
    • [0059] 1) Decline all insurance alternatives identified, and have the evaluation system components removed from the truck and returned to its owner, in which case there is no charge if a free evaluation was provided, or there is whatever small charge that was agreed upon before the evaluation period, if that was the arrangement.
    • [0060] 2) Choose one of the insurance alternatives which does not include having a full EVT-300 collision warning system installed, and leave the hardware already installed on the truck for the evaluation in place. It will then perform to capture driving information about the vehicle, as described in the embodiments of the present invention, but the driver will not receive any collision warning alerts or any adaptive cruise control operation.
    • [0061] 3) Choose one of the insurance alternatives which does include having a full EVT-300 collision warning system installed, leave the hardware already installed on the vehicle, but purchase and have installed the additional components desired for the EVT-300 collision warning system (most likely from the normal distribution channels for the EVT-300 systems, unless other arrangements are made between Eaton VORAD and the provider of the service described herein). The in-vehicle device will then capture and provide vehicle data according to the embodiments of the present invention as previously described.

[0062] It is believed that this approach can solve the “chicken and egg” situation described above, which would otherwise be expected to inhibit the consideration of the types of insurance described in Progressive Insurance's U.S. patents, as well as inhibit the effective use of the present invention as previously described. This is largely due to the fact that, as opposed to the complete EVT-300 and other similar systems, the retrofit installation of the forward-looking “smart sensor” is significantly less expensive and labor intensive than installing the complete EVT-300 system, making it more cost-feasible to offer the alternatives described above. In addition, the insight that the Progressive-type insurance could offer advantages even to truck fleets that do not wish to have actual collision warning alerts and/or adaptive cruise control provided to their drivers, with only the “smart sensor” installed. Finally, since the normal distribution channel for EVT-300 systems is through the heavy vehicle OEM dealers, then smart sensors would be available for purchase from them; however, since the installed equipment is not providing collision warning functionality, it may be possible that direct purchases of the smart sensors from Eaton VORAD would be permitted under their distribution agreements with the heavy truck OEM companies (who may have exclusive rights to sell complete EVT-300 systems, but may not have exclusive rights to sell individual components that are not being used to replace components in a full collision warning system, or even to build up full collision warning systems for sale).

[0063] In further aspects of the invention, there are also provided systems to facilitate safe operation of a vehicle. In this regard, the following concepts are provided.

• • [0064] 1) Driver Interface for Advanced Driver Assistance System (ADAS)
    • [0065] 1) The concept is to use a touch-screen display, with the provision that the driver acknowledge having received an alert by touching the screen. The screen will be positioned very close to the driver's normal line-of-sight while driving, both so that visual alerts can be easily and quickly seen with minimal driver distraction, and so that the act of reaching and touching the display likewise requires minimal effort and potential distraction. A combination of audible and visual display options are planned, with the common response required by the driver of reaching and touching the display to acknowledge receipt of the alert.
    • [0066] 2) One preferred embodiment would have the alert continue while the situation generating the alert is present, even if the driver acknowledges it by touching the screen, but would alter the alert in some way after such acknowledgement. For example, identification of a stationary object believed to be in the vehicle's path and earlier than a collision warning system will generate its own alert, a tone and a flashing icon showing the rear view of a car in red would be generated. If the driver does not acknowledge the alert, it proceeds to another level of alert, and so forth, until such time as the alert is no longer appropriate (either the situation has passed or an associated collision warning system begins giving its own alert). However, with the driver's acknowledgement by touching the screen, the alert changes to a non-flashing icon with no associated audible alert.
    • [0067] 3) This is especially appropriate for “situation awareness” alerts that may not necessarily involve danger, but at least indicate unusual situations ahead about which the driver should be aware. Information regarding a system for providing “situation awareness” and other aspects is set forth in the applicants co-pending U.S. patent application Ser. No. 09/633,127 and pending provisional Ser. No. 60/337,827, which is hereby incorporated by reference. If there is danger, then the drive can immediately start taking action by steering, brake, and/or accelerator actions. Upon detection of any of these actions, the system will also modify its alert strategy, with a preferred embodiment being similar to that from the driver acknowledging receipt by touching the display, i.e. that audible alerts will be suppressed and any visual icons will be non-flashing. In all cases, an indication that the driver is aware of the situation is used to remove potential distractions like audible alerts and flashing displays, to minimize potential distractions to the driver when immediate attention may be needed to take action due to the detected situation. At the same time, lacking an indication that the alert has been noticed, the system can proceed with an alert strategy intended to help assure that the driver is aware of the alert, even if no action is taken about it.
    • [0068] 4) In the case of alerts that do not involve actual danger, this approach of “silencing” the alert with a simple touch of the display should minimize any potential “false alarm” issues that the driver might otherwise develop. This is based on the idea that the simple act of touching a display within easy view and reach is preferable to hearing and seeing alerts for a greater period of time that are apply only to “nice to know” situations, rather than dangerous ones. An example is that of a vehicle that is parked in an adjacent emergency lane ahead, but which does not pose a potential collision threat unless someone at the vehicle steps into the active lanes.

[0069] Regarding 1) Driver Interface for Advanced Driver Assistance System (ADAS), a slightly different implementation is to substitute a touch pad for driver acknowledgements that is separate from the display, with the functionality the same as earlier described. This would permit easier driver interaction in the case that the optimal position for the display to be mounted is not convenient for the driver to reach, such as requiring the driver to lean forward. The touch pad would be mounted closer to the driver, perhaps on the dash very near the steering wheel but somewhat off to the side, where it can be easily reached by a momentary action of removing one hand from the steering wheel and tapping the touch pad on the upper surface of the dash nearby, and then resuming the normal driving position of the hand back on the steering wheel.

[0070] 2) Implementation of Stop-and-Go Adaptive Cruise Control Using Road Geometry Database

[0071] The concept of stop-and-go ACC is well understood in the Intelligent Transportation Systems industry, including the use of road geometry databases combined with accurate vehicle positioning. However, the following implementation provides enhancements to this.

[0072] The vehicle would need the following: a) an adaptive cruise control system, with the forward-looking sensor most likely utilizing radar (although a laser or other sensors may be used); b) a vehicle positioning capability, in which higher degrees of accuracy will provide better performance; and c) a road-geometry database containing so-called “extended data” (the phrase used in the European IN-ARTE program, in which Navigation Technologies was a participant).

[0073] There are several levels of operation contemplated, comprising a) non-ACC warning only; b) stop-and-go ACC'; and c) enhanced stop-and-go ACC. They are as follows. In ALL cases, the driver is charged with the ultimate responsibility for maintaining safe operation of the vehicle, and can override any active system with accelerator and/or brake activation.

[0074] a) Non-ACC Warning Only

[0075] While driving, the vehicle operator is given “in-vehicle signing” types of alerts about: current and up-coming road attributes such as speed limits, stop signs, intersections (especially if real-time information is available to identify the status of signalized intersections when the vehicle will likely arrive there) and exceptions to those conditions such as exceeding speed limit, speed too fast for present or upcoming road conditions (curves, fog, icy patches, slower speed limit ahead, planned exist ahead, etc.). (NOTE: In addition to early alerts due to detected stationary objects and/or slow-moving vehicles, I also plan to offer these types of alerts to the driver with the ROADRisk™ Early Alert System, as we recently discussed.)

[0076] b) Stop-and-Go ACC

[0077] This implementation goes beyond “standard” ACC that responds only to moving vehicles to maintain appropriate following distances, while cutting out at low speeds (generally when conventional cruise control would), and utilizing very limited deceleration capabilities of the vehicle. Stop-and-Go ACC, on the other hand, takes into account stationary objects in the vehicle's path as well as moving vehicles, and continues to operate all the way down to a complete stop. Then, when traffic ahead permits, it starts the vehicle moving again, but keeps it positioned away from the closest object ahead. It may not have full deceleration capability, however, and instead might alert the driver if such a situation presents itself (perhaps in addition to exerting the maximum deceleration authority that it has). (Note: A system with full emergency-braking authority is classified as a collision avoidance system.)

[0078] c) Enhanced Stop-and-Go ACC

[0079] This system performs like Stop-and-Go ACC, but with the following enhancements. The basic concept is that it takes into account the vehicle's position and the enhanced-data road geometry database to be aware of the current speed limit, upcoming speed limit, upcoming curves, upcoming intersections, and upcoming stop signs (as well as other dynamic attributes, if available, such as visual conditions like rain or fog, road conditions like ice, etc.).

[0080] With that knowledge, the vehicle's ACC set speed is adjusted and/or braking is utilized (if adjustments to the ACC set speed would not suffice) in order to: 1) slow the vehicle and bring it to a complete stop at a stop sign; 2) slow the vehicle temporarily as appropriate when approaching curves, planned highway exits, etc.; 3) slow the vehicle appropriately while under non-ideal driving conditions such as heavy rain, fog, snow, icy road surface, etc.; 4) alert the driver when approaching a signalized intersection and decrease speed somewhat, until the intersection is passed; and 5) begin slowing and come to a stop at a signalized intersection where a known route plan shows that a turn is planned (and activate in advance the appropriate turn signal, if possible).

[0081] Since the driver is always able to overrule the ACC system (whether ACC, Stop-and-Go ACC, or Enhanced Stop-and-Go ACC), the driver's involvement in the above situations is: 1) starting off again from a stop sign; 2) allowing the system to slow the vehicle in these situations, or simply overriding by using the accelerator (which may be appropriate for lane changes, change in plans where to exit, etc.); 3) allowing the system to slow the vehicle in these situations, or simply overriding by using the accelerator (which may be appropriate for passing purposes, mistaken road condition reports, etc.); 4) look ahead to the intersection and begin braking if needed to turn or stop due to the signal turning yellow or red; and 5) look ahead to the intersection and take command of the vehicle with accelerator or brake pedal activation, either of which turns control over to the driver until the intersection is passed, or else simply allow the vehicle to come to a stop (with the turn signal activated automatically, if possible) before taking responsibility for accelerating and turning when appropriate.

[0082] All of these concepts can be incorporated into the system, which may be referred to product, the ROADRisk™ Early Alert System, designed for heavy vehicles and targeted to those with Eaton VORAD Collision Warning Systems, with optional ADAS-type functionality using road geometry data files with extended data describing speed limits, stop sign and traffic signal locations, etc., and which will optionally use real-time updates about roadway conditions available through wireless connections to the vehicle.

[0083] Regarding 2) Implementation of Stop-and-Go Adaptive Cruise Control Using Road Geometry Database, another implementation of c) Enhanced Stop-and-Go ACC with respect to signalized intersections is to have the vehicle not only slow, but also come gradually to a stop just short of the intersection if the driver does not take actions to assume responsibility for driving through the intersection. Just as described previously, by using the accelerator and/or the brake, the driver takes control of the vehicle and stops as he/she wishes, drives through the intersection at whatever speed the driver feels appropriate, or turns at the intersection. Once past the intersection, the system will resume its operation unless the driver continues to utilize the accelerator and/or brake to override the system. This implementation is less convenient to the driver, but has the added fail-safe protection that if the driver takes no action, the vehicle will not risk driving through the signalized intersection when the signal status would recommend otherwise (red and in some cases yellow).

[0084] In an alternative embodiment, the systems and methods of the invention may be used in differing applications or environments. As merely another example of this, as with the vehicle monitoring environment described above, the invention may be applicable to monitor home or building systems and operation. In such an application, for example to monitor power usage in a facility, a communications unit can be installed to monitor at least one data element relating to power usage, for example use of electricity or natural gas at the facility. Information relating to the at least one data element can then be communicated to an electronic marketplace, and based upon the at least one data element, correlation can be made to at least one product or service, and the cost thereof, which may be of interest to the user. Information relating to the product or service can then be communicated to the user and/or the at least one supplier for similar purposes of tailoring a good or service to a user and the particular environment. In the example of monitoring power usage, the information relating to total usage, times of usage, types of uses, or other information relating to a particular users circumstances and environment can be monitored and correlated to products or services which may be of interest. As power companies in many locations are being deregulated, alternative vendors or suppliers of alternative energy sources may be interested in offering discounts based upon a particular customers usage patterns and needs, similar to the vehicle monitoring embodiment described above. All the same aspects of the invention as decried herein may be useful for this or other users or environments. For example, similar to power usage, such systems and methods may be used to monitor other systems, such as heating-A/C systems, security systems or any other application where information is captured and communicated according to the invention.

[0085] In another example of the invention used in differing applications or environments, as with the vehicle monitoring environment described above, the invention may be applicable to monitor individual user environments where information is captured and communicated according to the invention, such as by using a mobile device. In one embodiment, the mobile device performs the functions in FIG. 1 of communication system 14 and transmitter 16, and is carried to vehicle 10 by the vehicle driver or a passenger. In this case, the user environment is substantially identical to that described for the vehicle monitoring environment described above, and the information generated in vehicle 10 by data generating system 12 is communicated to a central facility, such as an electronic marketplace, for instance web site 20. In a one embodiment of the invention, the mobile device is a cellular telephone with transmitter 16 communicating with a central facility 20 over a wireless cellular data communications link. In another embodiment of the invention, the mobile device may also have a Bluetooth short-range wireless transmitter/receiver for receiving information from data generating system 12 through a communications signal provided by a Bluetooth short-range wireless transmitter/receiver installed in vehicle 10.

[0086] In another example of the invention, the use of a mobile device is applicable to monitoring individual user environments. In this embodiment, the mobile device operates separately from vehicle 10 shown in FIG. 1. In this embodiment, the mobile device itself may contain data generating system 12 or receives information from data generating system 12 which is not installed in a vehicle.

[0087] In yet another embodiment of this example of the invention, referring to FIG. 1, the mobile device operating separately from vehicle 10 is a cellular telephone and may contain communication system 14 and transmitter 16, and data generating system 12 is a system providing location information of the cellular telephone. This system can, for example, be a GPS receiver installed in the cellular telephone, a GPS receiver located nearby and transmitting location information to the cellular telephone, or a system utilizing the cellular telephone network to determine the cellular telephone's location and transmitting that location data via cellular communications to the cellular telephone. With that location data transmitted to the electronic marketplace at central facility 20, products and services from suppliers 24 can be identified which are convenient to the user based on the user's location, along with normal prices and discounts that may be available for a limited time within which the user can likely take advantage of them. In this embodiment of the invention, the cellular telephone may provide a substitute for user terminal 26 shown in FIG. 1, and the user receives information communicated to the cellular telephone from the electronic marketplace 20 on the identified products, services, and their pricing. Depending on user preference, this can be done by user sign-in to the electronic marketplace web site 20, by text message automatically sent by the electronic marketplace 20 to the user cell phone, or by an automated telephone call placed by the electronic marketplace 20 to the user cell phone. To avoid unwanted communications, the user may be given the ability via the web site shown in FIG. 4 to register preferences for days of week, times of day and types of products and services for which communications are desired, along with choice of text message or telephone call if automatic notifications are desired.

[0088] In yet another embodiment of the invention, a telematic system having a display unit is applicable to monitoring individual user environments. In one embodiment, the telematic system provides compatibility and interoperability with personal identifiers, such as retinal scanning devices and fingerprint scanning devices, and hand-held remote entry devices such as a key fob. In this embodiment, the telematic system operates separately from vehicle 10 shown in FIG. 1. In this embodiment, the telematic system itself may contain data generating system 12 or receives information from data generating system 12 which is not installed in a vehicle.

[0089] In another embodiment of the invention, when users register at the electronic marketplace 20 as shown in FIG. 4, they may also be given the ability to create affinity groups of users, or join existing affinity groups created by other users. Each may have its affinity group name, for example “Friends_of_Bob”, assigned by the affinity group creator, along with a password which may be required by other users in order to join that affinity group. In this way, users can create various affinity groups and invite friends and associates to join them by providing those friends and associates with those affinity groups' names and passwords. After registering as users of the electronic marketplace 20 via access to the web site shown in FIG. 4, they can then join those affinity groups by selecting them and providing the correct passwords. The purpose of the affinity groups is to help users easily identify products and services which match not only their own preferences for days of week, times of day and types of products and services, but also match those of other members of affinity groups to which they belong. After reviewing the selection of products and services that are provided to them from the electronic marketplace along with the affinity groups to which they belong and the number of members for which the preferences also match for each product or service, each user can indicate purchase intentions for those goods and services on the selected list. In the case of location-based, time-sensitive products and services, such as choice of a restaurant for a meal, users also indicate preferred time and day when they give purchase intentions. In that way, as the time for the occasion approaches, a user can make a final decision based on the likelihood of meeting friends and associates at a particular restaurant based on the number of members of the various affinity groups to which the user belongs who are indicating their intentions to arrive at the restaurant at acceptable times. The opportunity to purchase or make reservations may also be made available, in which case previous total numbers of purchases or reservations for each product or service on the list for each identified affinity group may also be shown, further helping a user identify products and services which have been popular with members of affinity groups of which the user is a member. In addition, any users making purchase or reservations through the electronic marketplace may be given the opportunity to later provide satisfaction ratings and/or commentary that can be automatically provided for review, further assisting users in choosing products and services which have been purchased and liked or disliked, by members of various affinity groups. Although restaurant selection is given for illustration, this example is not intended to limit the scope of the invention in any way. It is contemplated that this feature of the present invention could apply to any products or services. It is also contemplated that this feature of the present invention can also be accessed on web site 20 via a home computer or other non-mobile user terminal 26 as shown in FIG. 1, and that the location of the home computer or other non-mobile user terminal 26 can be utilized as described above, whether automatically determined by GPS receiver, by on-line approaches utilizing assigned Internet Protocol address, or by any other means. It is also contemplated that the user can plan future events for some expected location using any device to access web site 20, either mobile or non-mobile, by selecting a point on a map displayed on map, by entering the names of a city or town, state or region, and country, or by entering approximate geographic coordinates such as latitude and longitude.

[0090] In another embodiment of the invention, the use of a mobile device is applicable to monitor individual user environments. In this embodiment, with the mobile device capable of operating entirely separately from vehicle 10 shown in FIG. 1 and containing data generating system 12, the data generating system may provide location data of the mobile device, possibly along with other data. This may be provided by a GPS receiver built into the mobile device, by a GPS receiver located nearby and communicating its location data to the mobile device, or else by other means deploying a communications network utilized by the mobile device and communicating the estimated mobile device location to it over that communications network. In this configuration, personal safety and security services can be provided to the user based on location data communicated from the mobile device to the central facility 20 as shown in FIG. 1. Various safety and security guidelines based on location, time, and other factors can be stored at the central facility 20 and used to determine the likely safety/security status of the user. In the event that any guideline is violated, then a communication from central facility 20 to a designated party is automatically initiated. Such responsible party could for example be the user, a family member of the user, a security monitoring firm, or appropriate law enforcement authorities.

[0091] In still another embodiment of the invention, the mobile device is a cellular telephone that may include Bluetooth short-range wireless communications and an operating system such as Microsoft Mobile, Symbian or Linux. The data generating system 12 may be a Bluetooth GPS receiver, and the operating instructions to carry out the methods of the invention required by the cell phone are contained in a software application program loaded into the cellular telephone. The safety/security guidelines may be established by or for the user at the central facility 20 through choices offered via an entry form and selected by the user or user's responsible party after registering and logging on to the central facility web site as shown in FIG. 4. The entry form will resemble the one shown in FIG. 5, with the difference being that choices related to the user's safety and security will be offered, rather than data for identifying optimum automotive insurance policies as shown in FIG. 5. Examples of such choices are maximum time lapse since any last communication, maximum time lapse since last communication containing location data, permitted location boundaries according to time of day and day of week, maximum travel speed or a variety of other choices and or criteria. The software running on the cellular telephone may attempt to communicate its position, along with possible additional data, via the telephone's cellular data communications to the central facility 20 on a known periodic basis, where it will be analyzed according to the personal safety and security guidelines established for that user, such as those mentioned above. Along with each guideline, the appropriate contact party or series of contact parties may be identified, along with the preferred means of contact, such as e-mail, text message, automated telephone call, etc. As long as none of the guidelines are violated, then no contacts are made. However, whenever at least one guideline is violated, including the failure to receive a communication within the selected maximum period of time, then the indicated contact or series of contacts are automatically made. As another aspect of the invention, an alert may be generated by the software running in the user's cellular telephone whenever it can be determined that a selected safety or security guideline is nearing the point of being violated, so that if the user is safe and secure, then action can be initiated on the cellular telephone in advance of the time that the guideline violation would otherwise occur and one or more contacts would have been automatically initiated by the central facility 20 as instructed previously by the user or a responsible party. This invention could be deployed in many examples, some of which are by parents for children having cellular telephones, by family members for elderly relatives living by themselves, by young adults at college or living by themselves who want their remote families or proper local contacts to learn quickly if some type of personal safety or security issue may occur, or by employees whose companies do not want to constantly monitor the employees but who do want to be alerted quickly whenever any potential personal safety or security issues may exist or when appropriate company guidelines are being violated.

[0092] The following description of a Driver-Friendly Vehicle System is offered as an example of the invention exhibiting many of the embodiments described above.

• • [0093] 1. A vehicle has ability to communicate to the Internet, either via onboard wireless or through later connection via Bluetooth to a mobile device or via WiFi/WiMax when within range
  • [0094] 2. Vehicle owner uses central-facility web site via PC or mobile device to establish allowed boundaries for the vehicle for given day-of-week and time-of-day choices
    • [0095] a. Center point chosen by address or by map and radius
    • [0096] b. Boxed-in area chosen by clicking on map on screen
    • [0097] c. Maximum speed (or if available, excess speed over posted speed limits)
  • [0098] 3. The parameters in #2 are set for any number of parties who would be in the vehicle, with “Unknown” being required, and some other potential choices shown
    • [0099] a. Insurance Company monitored/usage based insurance profile
    • [0100] b. Unknown (likely assigned by owner with tightest boundaries)
    • [0101] c. Family Teenage Driver #1
    • [0102] d. Family Teenage Driver #2
    • [0103] e. Spouse
    • [0104] f. Self
  • [0105] 4. A telematics system in vehicle utilizes the “Unknown” profile unless it can be determined that one or more owner-authorized parties are present in vehicle. (This may be done many ways, but the most convenient is likely via software downloaded on the authorized parties' cell phones which can communicate with the vehicle telematics system, in one example via short-range wireless such as Bluetooth, and transmit encrypted information identifying the presence of those authorized parties' cell phones.) If multiple authorized parties are present, then all are noted and the least restrictive of those profiles are used by the system. To maintain any profile other than “Unknown”, a reconnection is required to confirm continued presence at regular intervals whenever the vehicle is moving.
  • [0106] 5. Using the selected profile, the telematics system will provide in-car warning in time to prevent a violation of the currently-active profile's space/time boundaries with reasonable driving habits. Likewise, any mobile device with software that supplied an authorized party's profile to the vehicle will also generate a similar alert (in case the party is away from the vehicle but still nearby).
  • [0107] 6. If in spite of the warning, the space/time profile currently active is violated, then a communication is sent to the designated party with details of the vehicle's location and ID of the profile currently active. This communication can be chosen by the vehicle owner or other designated party to be an e-mail, a text message, a phone call, an entry on a web page which to which the owner or other designated party has User ID/Password privilege, or some combination.
  • [0108] 7. The designated party can also choose to have the information automatically sent to one or more third parties in any of several scenarios. This could be a spouse if the authorized party IDs in the vehicle did not include the spouse, or a security firm if neither the owner nor spouse responds in a particular time. Example scenarios are
    • [0109] a. No acknowledged receipt by him/her of the message within a chosen time
    • [0110] b. Vehicle location exceeding some maximum boundaries
    • [0111] c. Both a) and b)
  • [0112] If the Insurance Company Monitored/Usage Based Insurance profile is present, it is because the vehicle owner is either evaluating such insurance or already has the vehicle insured using such insurance. In that case, alerts such as identified above will be generated in the vehicle to help the driver avoid crossing thresholds in an insurance company system that will raise insurance premiums (or lose potential discounts) as well as notify via the mobile device when such thresholds regarding location versus time-of-day are about to be exceeded and result in lost insurance premium discounts (or premium increases).

[0113] Although the present invention is described above in detail, the same is by way of illustration and example only and is not to be taken as a limitation on the present invention.