Abstract: A computing device includes a processing circuit and a data storage medium. The processing circuit is programmed to receive first vehicle usage data associated with a first user and second vehicle usage data associated with a second user. The processing device can identify a first pattern associated with the first vehicle usage data, identify a second pattern associated with the second vehicle usage data, and determine whether the first pattern is complementary to the second pattern.

Abstract: A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants.

Abstract: A system includes a processor configured to receive a message included with a digital radio signal. The processor is also configured to examine a message header to determine if the message is intended for receipt at a receiving vehicle. The processor is further configured to discard the message if not intended for receipt at the receiving vehicle. Also, the processor is configured to process the message if intended for receipt at the receiving vehicle and deliver the processed message to a vehicle occupant.

Abstract: A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants.

Abstract: Risk-based method for assessing an automotive finance company's equity adequacy wherein sources of creditor protection comprises equity, reserves, net deferred tax liability in the event of an overall loss, future tax liability and lifetime profits. Potential unexpected worst-case losses for each of a plurality of exposures is estimated with 99.9% confidence and compared with the company's creditor protection to demonstrate the company's equity adequacy.

Abstract: Risk-based method for assessing an automotive finance company's equity adequacy wherein sources of creditor protection comprises equity, reserves, net deferred tax liability in the event of an overall loss, future tax liability and lifetime profits. Potential unexpected worst-case losses for each of a plurality of exposures is estimated with 99.9% confidence and compared with the company's creditor protection to demonstrate the company's equity adequacy.