Motor vehicle operating data collection and analysis

Abstract

A method and apparatus for collecting and evaluating powered vehicle operation utilizing on-board diagnostic components and location determining components or systems. The invention creates one or more databases whereby identifiable behavior or evaluative characteristics can be analyzed or categorized. The evaluation can include predicting likely future events. The database can be correlated or evaluated with other databases for a wide variety of uses.

1 . A database comprising time marked vehicle operation data recorded at regular intervals that can be correlated to at least one other data point.  
   
   
       2 . The database of  claim 1  used for evaluating a road.  
   
   
       3 . The database of  claim 1  used for evaluating a vehicle.  
   
   
       4 . A method of evaluating at least one individual comprising evaluating a first database of time marked data recorded at regular intervals of vehicle operation and at least one other data point.  
   
   
       5 . The method of  claim 4  wherein the evaluation is for predicting a future event.  
   
   
       6 . The method of  claim 4  wherein the future event comprises an insurance risk.  
   
   
       7 . The method of  claim 4  wherein the future event comprises a purchase of a good or a service.  
   
   
       8 . The method of  claim 4  wherein the future event comprises a payment.  
   
   
       9 . The method of  claim 4  wherein the future event is behavior.  
   
   
       10 . An evaluation of the method of  claim 4 .  
   
   
       11 . A method of evaluating at least one road comprising a first database comprising regularly recorded time marked data of operation of at least one vehicle.  
   
   
       12 . The method of  claim 11  further comprising data of at least one driver.  
   
   
       13 . The method of  claim 11  further comprising data of at least one trip.  
   
   
       14 . The method of  claim 11  wherein the database comprises data of vehicle location.  
   
   
       15 . The method of  claim 11  further comprising correlating at least one road to at least one other road.  
   
   
       16 . The method of  claim 11  further comprising the evaluating the first database with at least one other data point.  
   
   
       17 . An evaluation of the method of  claim 11 .  
   
   
       18 . A method of evaluating a vehicle comprising a first database comprising regularly recorded time marked data of operation of at least one vehicle.  
   
   
       19 . The method of  claim 18  further comprising correlating the first database to at least one other data point.  
   
   
       20 . An evaluation of the method of  claim 18.