Methods, systems, and apparatuses for using a vehicle identification profile to determine whether a vehicle has been stolen

Abstract

Provided are methods, systems, and apparatuses for determining driver behavior based on vehicle operating parameters, adjusting insurance premiums accordingly, and preventing fraudulent manipulation of the methods, systems, and apparatuses.

1 - 47 . (canceled) 
     
     
         48 . A method for detecting that a vehicle has been stolen, comprising:
 retrieving, over a predetermined period, by a telematics device coupled to a data bus of the vehicle, data corresponding to at least one vehicle parameter;   evaluating the data corresponding to the at least one vehicle parameter retrieved over the predetermined period;   generating, by the telematics device, a vehicle identification profile based on the evaluating of the data retrieved over the predetermined period;   storing the vehicle identification profile to a memory of the telematics device;   comparing current retrieved vehicle data with the stored vehicle identification profile;   determining, by the telematics device, whether a driver not associated with the vehicle drove the vehicle when the current retrieved vehicle data was retrieved if the current retrieved vehicle data does not substantially match one, or more, stored vehicle identification profile, or profiles; and   performing a fraud action if a driver not associated with the vehicle was driving the vehicle when the current retrieved vehicle data was retrieved.   
     
     
         49 . The method of  claim 48 , wherein the vehicle parameter comprises one or more of vehicle operating parameters, a vehicle identification number (VIN), or combinations thereof. 
     
     
         50 . The method of  claim 48 , wherein performing a fraud action comprises reporting the results of the comparison to a central monitoring station. 
     
     
         51 . The method of  claim 50 , wherein performing a fraud action comprises sending an alert from the central monitoring station to an interested party, wherein an interested party includes the owner of the vehicle. 
     
     
         52 . A telematics device configured to perform the steps of a method for detecting a stolen vehicle, the method comprising:
 retrieving, over a predetermined period, data corresponding to at least one vehicle parameter;   evaluating the data corresponding to the at least one vehicle parameter retrieved over the predetermined period;   generating a vehicle identification profile based on the evaluating of the data retrieved over the predetermined period;   storing the vehicle identification profile to a memory of the telematics device;   comparing current retrieved vehicle data with the stored vehicle identification profile;   determining whether a driver not associated with the vehicle drove the vehicle when the current retrieved vehicle data was retrieved if the current retrieved vehicle data does not substantially match one, or more, stored vehicle identification profile, or profiles; and   performing a fraud action if a driver not associated with the vehicle was driving the vehicle when the current retrieved vehicle data was retrieved.   
     
     
         53 . The telematics device of  claim 52 , wherein the vehicle parameter comprises one or more of vehicle operating parameters, a vehicle identification number (VIN), or combinations thereof. 
     
     
         54 . The telemtatics device of  claim 52 , wherein performing a fraud action comprises reporting the results of the comparison to a central monitoring station. 
     
     
         55 . The telematics device of  claim 52 , wherein performing a fraud action comprises sending an alert from the central monitoring station to an interested party. 
     
     
         56 . A computer system configured to perform the steps of a method for detecting a stolen vehicle, the method comprising:
 receiving, by the computer system, data corresponding to at least one vehicle parameter from a telematics device coupled to a vehicle bus, wherein the telematics device retrieved the data over a predetermined period;   evaluating the data corresponding to the at least one vehicle parameter retrieved by the telematics device over the predetermined period;   generating, by the computer system, a vehicle identification profile based on the evaluating of the data that the telematics device retrieved over the predetermined period;   storing the vehicle identification profile to a memory;   comparing current received vehicle data with the stored vehicle identification profile;   determining, by the computer system, whether a driver not associated with the vehicle drove the vehicle when the current received vehicle data was retrieved by the telematics device if the current received vehicle data does not substantially match one, or more, stored vehicle identification profile, or profiles; and   performing a fraud action if the current received vehicle data does not substantially match the one, or more, stored vehicle identification profile, or profiles.   
     
     
         57 . The computer system of  claim 56 , wherein the vehicle parameter comprises one or more of vehicle operating parameters, a vehicle identification number (VIN), or combinations thereof. 
     
     
         58 . The computer system of  claim 56 , wherein performing a fraud action comprises sending an alert from the computer system to an interested party.