Abstract: Provided is a system and method for classifying and identifying a driver using driving performance data. The system comprises one or more devices in electronic communication with a network, the one or more devices including one or more sensors for obtaining driving performance data associated with operation of a vehicle by a driver, and a driving signature engine in electronic communication with the one or more devices, the driving signature engine designating at least one data channel for obtaining driving performance data, processing the driving performance data obtained from the data channel to determine code words, determining a driving signature according to the code words, and identifying or classifying the driver according to the determined driving signature.

Abstract: A system for analyzing driving performance data is provided. The system and method include one or more devices in electronic communication with a network, the one or more devices including one or more sensors for obtaining raw data associated with operation of a vehicle by a driver. A driving performance engine in electronic communication with the device, the driving performance engine generates one or more granular driving events by defining values of one or more driving parameters by associating the one or more driving parameters to the raw data, compares the one or more granular driving events with one or more similar previous driving events of the driver or other drivers having similar driving parameters and values thereof, normalizes the one or more granular driving events of the driver based on the comparison, and processes the one or more granular driving events using the driving performance engine and one or more statistical models to calculate a performance or risk value for the driver.

Abstract: A system and method for detecting driving performance data is provided. The system and method include a mobile device in electronic communication with a network and one or more sensors for measuring at least one parameter associated with operation of a vehicle. A driving performance engine in electronic communication with the mobile device. The driving performance engine verifies the vehicle and a driver of the vehicle, detects vehicle movement by comparing sensor data obtained by the mobile device with a predefined set of rules, records driving performance data, transmits the driving performance data anonymously to an insurance provider computer system, and receives insurance cost information from the insurance provider computer system based on the driving performance data.