System and method for driver risk assessment through continuous performance monitoring

A driver risk assessment system, comprising:

• a trip sensor for determining the commencement and cessation of a driving trip for a driver in a vehicle;
• at least one data collection device associated with said vehicle, said data collection device configured to collect vehicle speed, acceleration and turn data;
• a central server computing device receiving continuously from one or more said data collection devices, said central server computing device comprising a processor and a data storage system, said central server computing device configured to:
• continuously record sensor data from said one or more data collection devices responsive to said trip sensor;
• parse said continuously recorded sensor data into data blocks of predetermined length of recorded time;
• analyze the sensor data of each said parsed data block and responsively assigning a data block risk score thereto;
• group said parsed data blocks into trip groups of predetermined length of time;
• analyze the cumulative sensor data of each said trip group and responsively assigning a trip group risk score thereto;
• analyze the trip group risk scores for the period between a trip commencement and a trip cessation and responsively assigning a trip risk score thereto;
• and
• a transmitter for transmitting said data block risk scores, said trip group risk scores and said trip risk scores;
• a first communications conduit between said one or more data collection devices and said central server computing device;
• and
• a data display device in communication with said central server computing device via a second communications communications conduit, whereby said data display device receives said data block risk scores, said trip group risk scores and said trip risk scores via transmitted by said central serving computing device.

A method of evaluating the performance of a driver driving a vehicle, the method being implemented in a programmed computer system comprising a processor, a data storage system, a data receiver and a data transmitter, the method comprising the steps of:

• receiving a trip commencement signal indicating that a driver and vehicle have commenced a driving trip;
• continuously receiving sensor data representing the physical behavior of the vehicle that the driver is driving;
• parsing said continuously received sensor data into data blocks of predetermined length of recorded time;
• analyzing the sensor data of each said parsed data block and responsively assigning a data block risk score thereto;
• grouping said parsed data blocks into trip groups of predetermined length of time;
• analyzing the cumulative sensor data of each said trip group and responsively assigning a trip group risk score thereto;
• receiving a trip cessation signal indicating that said driver and vehicle have concluded said driving trip;
• and
• analyzing the trip group risk scores for the period between said trip commencement and said trip cessation and responsively assigning a trip risk score thereto.