Abstract: Asset Identification Trigged Geo-fencing. At least some of the example embodiments are methods including: coupling a tracking device to a vehicle being part of a dealer inventory, the vehicle having an identification number; associating the identification number with the tracking device; creating a geo-fence boundary containing a location of the vehicle; and sending a first message to a lien-holder indicating the vehicle has crossed the geo-fence boundary.

Abstract: Providing information to an occupant of a vehicle. At least some of the illustrative embodiments are methods including: identifying an occupant of a vehicle, the identifying creates an indicia of occupant identity; determining an identity of the vehicle, the determining creates an indicia of vehicle identity; tracking location of the vehicle when occupied by the occupant; and providing information to the occupant, the information selected based on the indicia of occupant identity, the indicia of vehicle identity, and/or the locations of vehicle when occupied by the occupant.

Abstract: Providing feedback based on driving behavior. At least some of the illustrative embodiments are methods including: determining an indication of driving behavior of a driver, the determining by: identifying the driver in a vehicle; detecting movement of the vehicle; collecting data related to the driving behavior of the driver; and issuing an alert related to the driving behavior of the driver for the purpose of providing feedback related to the driving behavior.

Abstract: Determining credit risk from driving behavior. At least some of the illustrative embodiments are methods including: determining an indication of credit risk related to a driving behavior of a driver in a vehicle, the determining by: detecting movement of the vehicle; collecting data related to the driving behavior of the driver; and creating the indication of credit risk for the driver.

Abstract: Activating geo-fence boundaries and collecting location data. At least some of the illustrative embodiments are methods including: activating a geo-fence for a pre-determined area responsive to an event related to a vehicle; receiving Global Positioning System (GPS) signals indicative of a location of the vehicle, the receiving by an onboard device coupled to the vehicle; detecting that the vehicle has crossed the geo-fence; creating a data set comprising data regarding locations of the vehicle with respect to the geo-fence; determining a parameter associated with an existing insurance policy based on the data set.

Abstract: Establishing geo-fence boundaries and collecting data. At least some of the illustrative embodiments are methods including: detecting a vehicle is located within a first political boundary; establishing a first geo-fence boundary for the vehicle corresponding to the first political boundary, the establishing responsive to detecting the vehicle is within the first political boundary; collecting data regarding the vehicle movement within the first geo-fence boundary; and detecting the vehicle has departed the first geo-fence boundary.

Abstract: Rule-based intoxicating substance testing associated with vehicles. At least some of the various embodiments are methods including: receiving a signal that a prospective driver intends to drive a vehicle; retrieving at least one previously stored rule regarding intoxicating substance testing associated the vehicle; retrieving data relevant to the rule; determining whether intoxicating substance testing is indicated by the rule; enabling the vehicle responsive to an indication that intoxicating substance testing is not indicated; and administering an intoxicating substance test to the prospective driver responsive to an indication that an intoxicating substance test is indicated. And if the intoxicating substance test is administered: enabling the vehicle responsive to the prospective driver passing the intoxicating substance test, the enabling by the onboard device; and disabling the vehicle responsive to the prospective driver failing the intoxicating substance test, the disabling by the onboard device.

Abstract: Establishing geo-fence Boundaries. At least some embodiments involve detecting a vehicle has been in a collision, establishing a geo-fence boundary for the vehicle responsive to the detecting, monitoring a movement of the vehicle with respect to the geo-fence boundary, and issuing an alert if movement of the vehicle outside the geo-fence boundary is indicative of improperly departing a scene of the collision.

Abstract: Rule-based intoxicating substance testing associated with vehicles. At least some of the various embodiments are methods including: receiving a signal that a prospective driver intends to drive a vehicle; retrieving at least one previously stored rule regarding intoxicating substance testing associated the vehicle; retrieving data relevant to the rule; determining whether intoxicating substance testing is indicated by the rule; enabling the vehicle responsive to an indication that intoxicating substance testing is not indicated; and administering an intoxicating substance test to the prospective driver responsive to an indication that an intoxicating substance test is indicated. And if the intoxicating substance test is administered: enabling the vehicle responsive to the prospective driver passing the intoxicating substance test, the enabling by the onboard device; and disabling the vehicle responsive to the prospective driver failing the intoxicating substance test, the disabling by the onboard device.

Abstract: Activating geo-fence boundaries and collecting location data. At least some of the illustrative embodiments are methods including: activating a geo-fence for a pre-determined area responsive to an event related to a vehicle; receiving Global Positioning System (GPS) signals indicative of a location of the vehicle, the receiving by an onboard device coupled to the vehicle; detecting that the vehicle has crossed the geo-fence; creating a data set comprising data regarding locations of the vehicle with respect to the geo-fence; determining a parameter associated with an existing insurance policy based on the data set.

Abstract: Increasing credit score of a borrower. At least some of the illustrative embodiments are methods including: accepting an application from a borrower, the application for a motor vehicle loan, and the application accepted by way of an electronic submission to a data center; determining that the borrower has an indicia of credit worthiness below a predetermined threshold, the determining by way of a computer system of the data center; offering the borrower a first loan with a requirement that a first motor vehicle purchased with the first loan comprise a first on-board device configured to provide location of the first motor vehicle; and if the borrower accepts tracking the loan payments made by the borrower, the tracking by way of a computer system; and reporting loan payments to a credit reporting agency, the reporting by way of a computer system.

Abstract: Providing information to an occupant of a vehicle. At least some of the illustrative embodiments are methods including: identifying an occupant of a vehicle, the identifying creates an indicia of occupant identity; determining an identity of the vehicle, the determining creates an indicia of vehicle identity; tracking location of the vehicle when occupied by the occupant; and providing information to the occupant, the information selected based on the indicia of occupant identity, the indicia of vehicle identity, and/or the locations of vehicle when occupied by the occupant.

Abstract: Establishing geo-fence boundaries and collecting data. At least some of the illustrative embodiments are methods including: detecting a vehicle is located within a first political boundary; establishing a first geo-fence boundary for the vehicle corresponding to the first political boundary, the establishing responsive to detecting the vehicle is within the first political boundary; collecting data regarding the vehicle movement within the first geo-fence boundary; and detecting the vehicle has departed the first geo-fence boundary.

Abstract: Rule-based intoxicating substance testing associated with vehicles. At least some of the various embodiments are methods including: receiving a signal that a prospective driver intends to drive a vehicle; retrieving at least one previously stored rule regarding intoxicating substance testing associated the vehicle; retrieving data relevant to the rule; determining whether intoxicating substance testing is indicated by the rule; enabling the vehicle responsive to an indication that intoxicating substance testing is not indicated; and administering an intoxicating substance test to the prospective driver responsive to an indication that an intoxicating substance test is indicated. And if the intoxicating substance test is administered: enabling the vehicle responsive to the prospective driver passing the intoxicating substance test, the enabling by the onboard device; and disabling the vehicle responsive to the prospective driver failing the intoxicating substance test, the disabling by the onboard device.

Abstract: Selectively enabling a vehicle by way of a portable wireless device. At least some of the illustrative embodiments are methods including: enabling a vehicle when a portable wireless device is communicatively coupled to an onboard device by way of a first communication network; sending an indication of location of the vehicle to a data center; and disabling the vehicle when the portable wireless device is no longer communicatively coupled to the onboard device. In some cases, the sending by: receiving global positioning system (GPS) signals by the portable wireless device; establishing that the portable wireless device is proximate to the vehicle; and sending an indication of location to the data center, the sending by the portable wireless device.

Abstract: An onboard starter-interrupt device uses a Personal Area Network (PAN) to facilitate communication between a wireless device (such as a cellular telephone or personal digital assistant (PDA)) and the onboard device (also referred to interchangeably as a vehicle control device or a payment enforcement device) installed on a vehicle. The PAN can be implemented using, for example, the well-known Bluetooth protocol. The use of a PAN avoids the need for a visible keypad or other input device installed in the vehicle. The interface with the PAN also facilitates direct communication (including voice communication) using an existing cell phone. The interface with the PAN further allows a user or administrator to configure the operation of the onboard device using input/output components of the wireless device.

Abstract: An onboard starter-interrupt device uses a Personal Area Network (PAN) to facilitate communication between a wireless device (such as a cellular telephone or personal digital assistant (PDA)) and the onboard device (also referred to interchangeably as a vehicle control device or a payment enforcement device) installed on a vehicle. The PAN can be implemented using, for example, the well-known Bluetooth protocol. The use of a PAN avoids the need for a visible keypad or other input device installed in the vehicle. The interface with the PAN also facilitates direct communication (including voice communication) using an existing cell phone. The interface with the PAN further allows a user or administrator to configure the operation of the onboard device using input/output components of the wireless device.

Abstract: An onboard starter-interrupt device incorporates Global Positioning System (GPS) functionality in addition to payment schedule enforcement functions. In response to certain events, and/or on a periodic basis, the onboard device transmits vehicle location data to an operations center. In one aspect, a “geo-fence”, or virtual boundary, can be defined; if the vehicle is driven outside the geo-fence, the location information is transmitted to the operations center and/or other action is taken. In response to receiving vehicle location data, the operations center can send a message to cause the onboard device to disable the vehicle, or to present a warning to the vehicle owner, or to notify a third party of the event and/or vehicle location, or any combination thereof.