Abstract: A server abstracted messaging system interfaces to networking services such as SMS, UDP and IP, using internally implemented protocols or third-party tools. All connections, disconnections, errors or intricacies in service decoding are abstracted by the messaging system. To interface to an LBS device, the messaging system uses a special language to communicate with that device, leaving the actual translation of the command to the device until the very end, thereby abstracting the communication to the device by any application. All new commands for the LBS device are implemented in the abstracted language.

Abstract: A method, system, and apparatus related to mobile device regulation through a diagnostic device of a vehicle to minimize vehicular accidents are disclosed. In one aspect, a method of mobile device regulation involves accessing a diagnostic device of the vehicle, generating a local area wireless network through the diagnostic device of the vehicle and determining that a mobile device located in an interior portion of the vehicle is a controlled mobile device. Also, the method involves controlling a functionality of at least one of the mobile device and the controlled mobile device based on a criterion stored in a database of an administration server. The method may also include establishing a communication with the mobile device located in the interior portion of the vehicle. The method involves associating a level of control that corresponds with the controlled mobile device described in the database of the administration server.

Abstract: A server abstracted messaging system interfaces to networking services such as SMS, UDP and IP, using internally implemented protocols or third-party tools. All connections, disconnections, errors or intricacies in service decoding are abstracted by the messaging system. To interface to an LBS device, the messaging system uses a special language to communicate with that device, leaving the actual translation of the command to the device until the very end, thereby abstracting the communication to the device by any application. All new commands for the LBS device are implemented in the abstracted language.

Abstract: A method, apparatus and system related to an application of a value data to a profile of a vehicle based on a location of the vehicle is disclosed. According to one embodiment, a method of an administrative server includes processing a location data of a vehicle having an onboard location device, matching the location data to a value data based on a location lookup table, and applying the value data to a profile of the vehicle. The method may include applying a credit and/or a debit, based on the value data, to an account (e.g., a financial account, a non-financial account) of a user associated with the vehicle according to a predetermined policy of an administrator. The method may also include modifying the value data to a modified value data depending on a meta-data such as a time of day, a date, and/or a vehicle type/model.

Abstract: A method includes receiving, at a tracking server, geospatial location data of a vehicle at various points in time from a transmitter installed in the vehicle. The vehicle is associated with a borrower in a loan agreement or a lease agreement with a lending institution. The method also includes permitting a financial entity server associated with the lending institution access to the geospatial location data at the tracking server upon the vehicle exceeding one or more threshold parameter(s) related to the geospatial location data stored thereat and/or the borrower exceeding a threshold parameter related to the loan agreement or the lease agreement stored at the financial entity server.

Abstract: A method comprising determining that a transaction associated with a purchase of a fuel of a vehicle equipped with a geospatial positioning device is associated with a unique identifier of a fuel card is disclosed. The method may comprise comparing a present geospatial location of the vehicle with a situs where the transaction associated with the purchase of the fuel of the vehicle is determined when a distance between the vehicle and the situs where the transaction associated with the purchase of the fuel of the vehicle occurs is within a threshold limit. The method may also comprise generating an alert communication to a party based on a transgression of the vehicle from the threshold limit.

Abstract: A method includes receiving, at a tracking server, geospatial location data of a vehicle at various points in time from a transmitter installed therein. The vehicle is associated with a borrower in a loan agreement or a lease agreement with a lending institution with regard to an asset. The method also includes determining a location of the vehicle and a pattern of usage thereof based on the geospatial location data received, permitting a financial entity server associated with the lending institution access to the location of the vehicle and the pattern of usage thereof, and determining an event based on the location of the vehicle and the pattern of usage thereof. Further, the method includes generating, through the tracking server, a risk score associated with a security interest in the asset and/or a loan/lease portfolio related to the asset based on a risk scoring methodology implemented therein.

Abstract: A method of associating a geospatial boundary area with a vehicle, determining that the vehicle has transgressed the geospatial boundary area, and generating an alert communication to a party having a security interest in at least one of the vehicle and an ancillary collateral based on the transgression is disclosed. Also disclosed is the comparison of geospatial 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.

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: An emergency-use-only cellular phone provides for contacting and establishing full-duplex voice communication with emergency personnel at either a public emergency response service or a private roadside assistance service. The phone automatically places a cellular call to the public emergency response service with a single press of a first activation button, and to the private roadside assistance service with a single press of a second activation button. When either activation button is pressed, the following functions are initiated: (1) electrical power from a power supply is provided to a cellular transmitter and receiver, (2) the cellular receiver is activated to search for an available channel from among A or B cellular system channels, (3) an emergency telephone number corresponding to the selected service is accessed from memory, and (4) the cellular transmitter is activated to establish communication with the selected emergency response service.

Abstract: A telemetry system for a downhole tool positionable in a wellbore penetrating a subterranean formation is provided. The telemetry system includes a telemetry tool engageable within the downhole tool. The telemetry tool including a telemetry unit, the unit being interchangeable between a mud pulse telemetry unit and an electromagnetic telemetry unit.

Abstract: The invention provides an asset location tracking system for tracking the position of a mobile asset, such as an automobile, boat or airplane. The tracking system includes a mobile unit for installation in the mobile asset. The mobile unit includes a position locating unit, such as a GPS unit, for generating position information indicative of the position of the mobile asset, and a wireless transmitter, such as a cellular transmitter, for wirelessly transmitting the position information. The tracking system also includes a central processing system that includes a wireless receiver, such as a cellular receiver, for receiving the position information transmitted by the wireless transmitter. The central processing system also includes a processor for operating on the position information to format it to be accessible at a network address on a global communication network such as the Internet.

Abstract: An electrical circuit for a downhole tool may include a battery, a load electrically connected to the battery, and at least one switch electrically connected in series with the battery and to the load. The at least one switch may be configured to close when a tool temperature exceeds a selected temperature.

Abstract: A portable emergency communication device includes a first receiver for receiving location determination signals from the global positioning satellite (GPS) system, and a second receiver for receiving incoming signals from a subscriber-based satellite radio system, such as the Sirius or XM satellite radio service providers. The device includes a transmitter for transmitting outgoing signals to a search and rescue satellite system, such as the Cospas-Sarsat satellite system. The incoming signals are encoded with preprogrammed queries and prompts that are displayed on a display device on the emergency communication device. The outgoing signals are encoded with location coordinates of the device and preprogrammed messages that respond to queries encoded in the incoming signals.