| CPC G06Q 30/0204 (2013.01) [B60W 40/09 (2013.01); G06F 11/3013 (2013.01); G06F 11/3089 (2013.01); G06F 21/6245 (2013.01); G06N 5/04 (2013.01); G06Q 30/0201 (2013.01); G06Q 30/0202 (2013.01); G06Q 30/0203 (2013.01); G06Q 30/0251 (2013.01); G06Q 30/0631 (2013.01); G06Q 30/08 (2013.01); G07C 5/06 (2013.01); G07C 5/08 (2013.01); G07C 5/12 (2013.01)] | 14 Claims |
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1. A computer-implemented method for data management, the computer-implemented method comprising:
collecting a plurality of personal data sets associated with a plurality of vehicle operators continually;
collecting a plurality of sensor data sets associated with the plurality of vehicle operators continually via one or more sensing modules; and
for each vehicle operator of the plurality of vehicle operators:
generating and continually updating an operator profile including a personal data set associated with the vehicle operator from the plurality of personal data sets;
determining and continually updating one or more telematics inferences based at least in part upon a sensor data set associated with the vehicle operator from the plurality of sensor data sets;
generating and continually updating a data profile including the one or more telematics inferences associated with the vehicle operator;
receiving one or more access policies associated with the data profile from one or more marketplace suppliers; and
listing and continually updating the data profile onto a telematics marketplace of marketplace participants that includes marketplace consumers and the one or more marketplace suppliers according to the one or more access policies such that only the marketplace consumers having one or more consumer classifications satisfying the one or more access policies can access the data profile,
wherein, the one or more access policies include:
allowing full access to the data profile upon determining a target market of a marketplace consumer of the marketplace consumers is not on a list of precluded markets,
allowing the full access to the data profile upon determining a target industry of the marketplace consumer is not on a list of precluded industries, or
allowing the full access to the data profile upon determining a target use of the marketplace consumer is not on a list of precluded uses,
wherein at least one of the allowing the full access to the data profile includes:
allowing access to one or more primary telematics inferences and one or more secondary telematics inferences,
wherein the one or more primary telematics inferences include:
an overall score, profitability score, a reliability score, a financial stability score, a financial reliability score, a demographic score, a mobility score, a predicted risk score, a predicted costs score, a predicted retention score, or a payment reliability score, and
wherein the one or more secondary telematics inferences include:
a market-specific profitability score, a market-specific reliability score, a market-specific financial stability score, a market-specific financial reliability score, a market-specific demographic score, a market-specific mobility score, a market-specific predicted risk score, a market-specific predicted costs score, a market-specific predicted retention score, a market-specific payment reliability score, an industry-specific profitability score, an industry-specific reliability score, an industry-specific financial stability score, an industry-specific financial reliability score, an industry-specific demographic score, an industry-specific mobility score, an industry-specific predicted risk score, an industry-specific predicted costs score, an industry-specific predicted retention score, an industry-specific payment reliability score, a use-specific profitability score, a use-specific reliability score, a use-specific financial stability score, a use-specific financial reliability score, a use-specific demographic score, a use-specific mobility score, a use-specific predicted risk score, a use-specific predicted costs score, a use-specific predicted retention score, or a use-specific payment reliability score.
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