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 vehicle owner 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 selected from the group consisting of an operating state of a vehicle, status of the driver, motion of the vehicle, location of vehicle, an action of said driver or combinations thereof; 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 vehicle owner or said at least one supplier, wherein said monitoring and transmitting is performed by a cellular telephone utilized by said vehicle driver. 
     
     
         2 . A method of offering products or services to a vehicle owner 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 selected from the group consisting of an operating state of a vehicle, status of the driver, motion of the vehicle, location of vehicle, an action of said driver or combinations thereof; 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 vehicle owner or said at least one supplier, wherein said monitoring and transmitting is performed by a telematics system associated with the vehicle. 
     
     
         3 . A method of offering products or services to a person 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 selected from the group consisting of a status of the person, external environment of the person, location of the person, an action of said person or combinations thereof; 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 person or said at least one supplier.