Abstract: Disclosed are a method and/or a system of insurance rate optimization through driver behavior which includes a computer server of the driver monitoring environment to determine if a newly insured driver operating a private vehicle is adhering to a set of parameters set by an entity i.e. a driving school, an insurance provider and/or a family member of the newly insured driver. The system assigns a credit to the newly insured driver when it adheres to the set of parameters. The newly insured driver is monitored by the entity. A metadata is generated which includes a behavioral trait of the newly insured driver and an insurance rate is set through the insurance provider based on an adherence to the set of parameters set by the entity.

Abstract: Disclosed are a method, a device and/or a system of an operator benefits and rewards through sensory tracking of a vehicle. In one aspect, a method includes associating a private vehicle with an individual. A behavior of the individual is monitored when the individual is operating the private vehicle. The method includes determining whether the individual is adhering to a set of parameters set by an entity. Information is presented to the individual that they have earned a credit towards a benefit based on operating of the private vehicle. The entity may be permitted to configure the set of parameters and set a weight to each of the set of parameters. A punitive measure may be provided when the set of parameters is violated. A curfew range may be set on the private vehicle such that a movement of the private vehicle is limited to the curfew range.

Abstract: Disclosed are a method and/or a system of insurance rate optimization through driver behavior which includes a computer server of the driver monitoring environment to determine if a newly insured driver operating a private vehicle is adhering to a set of parameters set by an entity i.e. a driving school, an insurance provider and/or a family member of the newly insured driver. The system assigns a credit to the newly insured driver when it adheres to the set of parameters. The newly insured driver is monitored by the entity. A metadata is generated which includes a behavioral trait of the newly insured driver and an insurance rate is set through the insurance provider based on an adherence to the set of parameters set by the entity.

Abstract: Disclosed are methods, devices, and systems to assess the performance of a fleet driver using a geospatial tracking device. In one embodiment, a method is disclosed comprising determining a baseline travel time of a fleet vehicle traveling a fleet route from a departure location to an arrival location; obtaining a dispatch estimated travel time of the fleet vehicle traveling the fleet route from a dispatcher; obtaining a driver estimated travel time of the fleet vehicle; determining an actual travel time of the fleet vehicle traveling the fleet route through a geospatial tracking device; and generating a driver performance score of the driver of the fleet vehicle for a duration of the fleet route based on the baseline travel time, the dispatch estimated travel time, the driver estimated travel time, and/or the actual travel time.

Abstract: A system including a search engine, an advertiser server, and a user computer. The search engine server has a first computer-readable medium containing information for a search provider's web page. The advertiser server is coupled to the search engine server and has a second computer-readable medium containing information for an advertiser's web page. The user computer is coupled to the search engine and the advertiser's server, and the user computer having a monitor that is configured to display web pages. The search provider's web page, when displayed on the monitor, includes ads with each ad including a link to an advertiser's web page. An advertiser is an entity whose ad is displayed on the search provider's web page. A position of each ad on the search provider's web page is dependent upon whether the search provider is due payment from the advertiser.