Creditor alert when a vehicle enters an impound lot

Abstract

A method, a device and a system of creditor alert when a vehicle enters an impound lot are disclosed. In one aspect, a vehicle includes a vehicle having a tracking device to determine a present geospatial location of the vehicle, a network, a tracking server to periodically receive the present geospatial location of the vehicle through the network, and an impound alerting server communicatively coupled with a tracking server to determine whether the vehicle is within a boundary of an impound lot, and to generate an alert to a creditor device when the vehicle is within the boundary of the impound lot beyond a threshold amount of time. A database may be communicatively coupled with the impound alerting server. The database may have stored within a set of records comprising address information of a number of impound lot boundaries and/or associated meta data.

What is claimed is: 
     
         1 . A system, comprising:
 a vehicle having a tracking device to determine a present geospatial location of the vehicle;   a network;   a tracking server to periodically receive the present geospatial location of the vehicle through the network; and   an impound alerting server communicatively coupled with a tracking server to determine whether the vehicle is within a boundary of an impound lot, and to generate an alert to a creditor device when the vehicle is within the boundary of the impound lot beyond a threshold amount of time.   
     
     
         2 . The system of  claim 1  further comprising:
 a database communicatively coupled with the impound alerting server having a set of records comprising address information of a plurality of impound lot boundaries and associated meta data, and 
 wherein the associated meta data include at least one of a lot name data, a lot address data, a lot contact information data, a lot phone number data, an hours of operation data, a towing fee data, a daily incurring impound lot fee data, a total incurred impound lot fee data, and a contact person data. 
 
     
     
         3 . The system of  claim 2 :
 wherein the tracking server to associate the impound alerting server and the vehicle with the creditor device, and   wherein the tracking server to verify a set of geospatial coordinates associated with a current location of the vehicle.   
     
     
         4 . The system of  claim 3 :
 wherein the tracking server to compare the current location of the vehicle with a set of geospatial locations of surrounding impound lots that are geocoded through the impound alerting server, and   wherein the tracking server to create a time stamp associated with an entry date and entry time of the vehicle entering the impound lot.   
     
     
         5 . The system of  claim 4 :
 wherein the impound alerting server to determine a type of the impound lot,   wherein the impound alerting server to communicate the type of the impound lot to the creditor device, and   wherein the type of the impound lot is at least one of a police lot, a tow lot, a public impound lot, and a private lot.   
     
     
         6 . The system of  claim 5 :
 wherein the impound alerting server to communicate the associated meta data to the creditor device based on the type of the impound lot.   
     
     
         7 . The system of  claim 6  wherein the creditor device to match a loan payment status with an owner of the vehicle. 
     
     
         8 . A method of a tracking server comprising:
 determining that a tracking device is installed in the vehicle;   associating the tracking device with a creditor using a processor and a memory;   verifying a set of geospatial coordinates associated with a current location of the vehicle;   comparing the current location of the vehicle with a set of geospatial locations of surrounding impound lots;   creating a time stamp associated with an entry date and an entry time of the vehicle entering an impound lot based on a geospatial location of the impound lot; and   generating an alert message communicable to the creditor associated with the vehicle entering the impound lot.   
     
     
         9 . The method of  claim 8  further comprising:
 determining that the tracking device is positioned in an internally inconspicuous location in which the tracking device is not readily visible to an occupant of the vehicle; 
 determining that the tracking device is coupled to a power source, such that the tracking device is operable to determine a location of the vehicle and transmit location information to the creditor; and 
 disabling a motor of the vehicle if motion is detected for at least one of a removal and a disablement of the tracking device. 
 
     
     
         10 . The method of  claim 9  further comprising:
 generating a first alert message if the tracking device is disabled in the vehicle; 
 communicating the first alert message to the creditor; 
 generating a second alert message if the vehicle enters the impound lot; and 
 communicate the second alert message to the creditor; 
 generating a disablement pushpin based on the first alert message; 
 generating an impound pushpin based on the second alert message; 
 placing the disablement pushpin and the impound pushpin in a map view of the tracking server; and 
 providing the creditor access to the map view based on authenticated access credentials. 
 
     
     
         11 . The method of  claim 10  further comprising:
 verifying through a network associated with the tracking server that the second alert message associated with the vehicle entering the impound lot is trusted; and 
 permitting the creditor and the impound lot to bi-directionally communicate through the tracking server to verify that the vehicle is in the impound lot and to verify an event data related to the vehicle entering the impound lot. 
 
     
     
         12 . The method of  claim 11  further comprising:
 reminding automatically the creditor of at least one of the first alert message and the second alert message after a predetermined threshold number of days that the vehicle remains in the impound lot; 
 triggering a verification of a loan status of the vehicle; and 
 providing the event data comprising at least one of the vehicle data, an impound lot data, and a government data associated with at least one of the vehicle, a debtor, and a driver of the vehicle at a time of impoundment. 
 
     
     
         13 . The method of  claim 12  further comprising:
 verifying to the creditor at least one of the loan status comprising of a loan balance, a loan payment due date, a most recent loan payment, a loan payment history, a related loan by the vehicle loan debtor, and related loan information; 
 generating to the creditor at least one of the vehicle data comprising of a year, a make, a model and a color of the vehicle, an associated vehicle loan consumer name, the vehicle loan consumer contact information; 
 providing to the creditor at least one of the impound lot data comprising of an impound lot address data, a contact person data, a contact information data, an hours of operation data, a towing fee data, a daily incurring impound lot fee data, a total incurred impound lot fee data; and 
 automatically provide for the creditor at least one of the government data comprising of a vehicle code violation, a vehicle citation ticket number, a vehicle citation penalty, a driver citation ticket number, a policy activity associated with the driver, and the policy activity associated with the debtor. 
 
     
     
         14 . The method of  claim 13  further comprising:
 populating a priority chart when multiple vehicles associated with the creditor are in the impound lots based on at least one of the threshold number of days that the vehicle is in the impound lot, a car payment history, a vehicle value, a net equity in the vehicle, a type of impound lot location, an impound lot fee associated with the vehicle; and 
 assigning a score within a predetermined scoring system to each vehicle in the impound lot based on the vehicle summary data; and 
 generating a decision tree,
 wherein, the vehicle loan creditor actions are recommended, based on the score of the vehicle, to perform at least one of dialing to the vehicle loan consumer through a one-button dialer containing the consumer's telephone information to communicate with the consumer, communicating with a person associated with the vehicle loan consumer if the vehicle loan consumer cannot be reached, dispatching a recovery agent to inspect the vehicle in the impound lot to assess its condition, and retrieving the vehicle out of the impound lot. 
 
 
     
     
         15 . The method of  claim 14  further comprising:
 geocoding a set of impound lot addresses each associated with a vehicle owner in a neighborhood surrounding the data processing system; 
 prepopulating the set of impound lot addresses each associated with the vehicle owner; and 
 generating a map view to simultaneously provide the current locations of vehicles associated with the vehicle loan creditor in relation to their surrounding impound lots. 
 
     
     
         16 . A system, comprising:
 a vehicle having a tracking device to determine a present geospatial location of the vehicle;   a network;   a tracking server to periodically receive the present geospatial location of the vehicle through the network; and   an impound alerting server communicatively coupled with a tracking server to determine whether the vehicle is within a boundary of an impound lot, and to generate an alert to a creditor device when the vehicle is within the boundary of the impound lot beyond a threshold amount of time,   wherein the impound alerting server to communicate the associated meta data to the creditor device based on the type of the impound lot, and   wherein the creditor device to match a loan payment status with an owner of the vehicle.   
     
     
         17 . The system of  claim 16  further comprising:
 a database communicatively coupled with the impound alerting server having a set of records comprising address information of a plurality of impound lot boundaries and associated meta data, and 
 wherein the associated meta data include at least one of a lot name data, a lot address data, a lot contact information data, a lot phone number data, an hours of operation data, a towing fee data, a daily incurring impound lot fee data, a total incurred impound lot fee data, and a contact person data. 
 
     
     
         18 . The system of  claim 17 :
 wherein the tracking server to associate the impound alerting server and the vehicle with the creditor device, and   wherein the tracking server to verify a set of geospatial coordinates associated with a current location of the vehicle.   
     
     
         19 . The system of  claim 18 :
 wherein the tracking server to compare the current location of the vehicle with a set of geospatial locations of surrounding impound lots that are geocoded through the impound alerting server, and   wherein the tracking server to create a time stamp associated with an entry date and entry time of the vehicle entering the impound lot.   
     
     
         20 . The system of  claim 19 :
 wherein the impound alerting server to determine a type of the impound lot,   wherein the impound alerting server to communicate the type of the impound lot to the creditor device, and   wherein the type of the impound lot is at least one of a police lot, a tow lot, a public impound lot, and a private lot.