Abstract: A method of geospatial data based assessment driver behavior to improve driver safety and efficiency is disclosed. A method of a server device may comprise determining that a telemetry data is associated with a vehicle communicatively coupled with the server device and comparing the telemetry data with a driver objective data. A variance between the telemetry data and the driver objective data may then be determined. A performance score may be generated upon comparison of the variance to a threshold limit and/or the driver objective data. The performance score may be published along with other performance scores of other drivers in other vehicles also communicatively coupled with the server device to a reporting dashboard module. Elements of game theory may be implemented to create a team driving challenge and/or a driver performance program to generate the performance score to improve driver safety and efficiency for commercial fleets.

Abstract: A method of associating a geospatial boundary area with a vehicle currently having a security interest, determining that the vehicle currently having the security interest has transgressed the geospatial boundary area, and generating an alert communication to a party having the security interest in the vehicle based on the transgression is disclosed. Also disclosed is the comparison of geo spatial data received from a transmitter installed within the vehicle with a predetermined event specified by a lender or provider and dynamically generated using the geospatial data, to make a determination of a predictive indicator of default, delinquency, or loss of value of an asset.

Abstract: A method of geospatial data based assessment of a vehicular security interest in a vehicular loan portfolio is disclosed. The method may involve permitting a party having a vehicular security interest and/or a party interested in acquiring the vehicular security interest and/or a vehicular loan portfolio access to dynamically determined vehicle location and pattern of usage information associable with the vehicle through a geospatial positioning device within the vehicle. A risk scoring methodology may be developed that may contribute to the assessment of the financial value of the vehicular security interest and/or the vehicular loan portfolio when there is a match between an event and the location and pattern of usage information associable with the vehicle. Subsequently, a risk score associated with the vehicular security interest and/or the vehicular loan portfolio based on the risk scoring methodology may be generated.