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 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 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: 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, 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.