Automated consumer to business electronic marketplace system

Abstract

An automated consumer to business electronic marketplace system is presented, wherein various aspects of user status, user behavior or operation of a vehicle associated with user are monitored and reported to an electronic marketplace. Suppliers of insurance products and other suppliers of automobile or personal products or services may offer users prices for products or services based on the data reported. The system may further allow the user to choose monitoring and reporting options based on discounts offered for certain reporting options.

1 . A method of offering products or services to a user comprising the steps of:
 providing a supplier database in an electronic marketplace, said supplier database comprising at least one supplier;   monitoring at least one data element relating to a user or environment;   selectively transmitting said at least one data element to an electronic marketplace;   correlating said at least one data element to at least one supplier found in said supplier database;   calculating at least a cost of at least one related product or service using said at least one data element and generating information related to said product or service, and   communicating said information to said user or said at least one supplier, wherein said communicating said information to said user deploys wireless communications to a mobile communications device.   
     
     
         2 . The method of  claim 1 , further comprising the step of the at least one supplier offering said at least one product or service at said cost to said user through said electronic marketplace. 
     
     
         3 . The method of  claim 1 , wherein said at least one data element is selected from the group consisting of GPS location data and cellular location data. 
     
     
         4 . The method of  claim 1 , wherein said step of calculating is performed by a system within said electronic marketplace. 
     
     
         5 . The method of  claim 1 , wherein said step of calculating is performed by said at least one supplier, with said at least one data element communicated to said at least one supplier. 
     
     
         6 . The method of  claim 1 , further comprising the step of recording said at least one data element in a computer readable storage medium to create a database of said data elements. 
     
     
         7 . The method of  claim 1 , wherein the step of transmitting said at least one data element is selectively implemented by the user. 
     
     
         8 . The method of  claim 1 , further comprising the step of transmitting selected portions of said data and selected portions of said information to said at least one supplier. 
     
     
         9 . The method of  claim 1 , wherein the step of transmitting comprises transmitting all data to said electronic marketplace and said step of communicating relates to only selected portions of said information. 
     
     
         10 . The method of  claim 1 , further comprising the step of transmitting all portions of said data to said electronic marketplace for creating an aggregated database. 
     
     
         11 . The method of  claim 10 , wherein the step of transmitting all portions of said data is performed anonymously. 
     
     
         12 . The method of  claim 1 , wherein the step of offering said at least one related product or service at said calculated cost to said user is performed anonymously. 
     
     
         13 . The method of  claim 1 , wherein the step of transmitting said at least one data element is performed anonymously. 
     
     
         14 . The method of  claim 1  wherein said at least one related product or service is selected from the group consisting of vehicle insurance, life insurance, disability insurance or combinations thereof. 
     
     
         15 . The method of  claim 1 , wherein the step of calculating utilizes analysis of said at least one data element under guidelines provided by said at least one supplier. 
     
     
         16 . The method of  claim 1 , further comprising the step of communicating information relating to said at least one data element to said user. 
     
     
         17 . The method of  claim 1 , further comprising the step of providing a communications system in a vehicle, wherein said step of communicating uses said communications system. 
     
     
         18 . The method of  claim 16 , further comprising the step of providing a communications system in a vehicle, wherein said step of communicating information relating to said at least one data element uses said communications system. 
     
     
         19 . The method of  claim 18 , wherein the step of communicating includes warning said user of unsafe operation of said vehicle. 
     
     
         20 . The method of  claim 17 , wherein said at least one data element includes vehicle location information, and said step of communicating comprises communicating information on a product or service based upon the location of said vehicle. 
     
     
         21 . The method of  claim 19 , wherein said warning said user of unsafe operation of said vehicle is based on approaching limits of operation under which a discount to an automobile insurance premium could be lost if a policy from an insurance company offering such discount were in effect, or if a surcharge could be added to an automobile insurance premium if a policy from an insurance company requiring such surcharge were in effect. 
     
     
         22 . The method of  claim 19 , wherein said warning said user of unsafe operation of said vehicle is based on approaching limits of operation under guidelines established by owner of said vehicle. 
     
     
         23 . The method of  claim 16 , further comprising the step of providing a communications system in a portable device, wherein said step of communicating information relating to said at least one data element uses said communications system. 
     
     
         24 . The method of  claim 23 , wherein the step of communicating includes warning said user of unsafe operation of a vehicle associated with said user. 
     
     
         25 . The method of  claim 24 , wherein said warning said user of unsafe operation of said vehicle is based on approaching limits of operation under which a discount to an automobile insurance premium could be lost if a policy from an insurance company offering such discount were in effect, or if a surcharge could be added to an automobile insurance premium if a policy from an insurance company requiring such surcharge were in effect. 
     
     
         26 . The method of  claim 24 , wherein said warning said user of unsafe operation of said vehicle is based on approaching limits of operation under guidelines provided by employer of said user. 
     
     
         27 . The method of  claim 24 , wherein said warning said user of unsafe operation of said vehicle is based on approaching limits of operation under guidelines provided by parent of said user or by other member of said user's family. 
     
     
         28 . The method of  claim 23 , wherein the step of communicating includes warning said user of potentially unsafe personal conditions. 
     
     
         29 . The method of  claim 28 , wherein said warning said user of potentially unsafe personal conditions is based on approaching limits of guidelines provided by employer of said user. 
     
     
         30 . The method of  claim 28 , wherein said warning said user of potentially unsafe personal conditions is based on approaching limits of guidelines provided by parent of said user or by other member of said user's family.