System and method for determining a change of a customary vehicle driver

A system for electronically determining a residual value of a vehicle that is associated with a vehicle driver of the vehicle, comprising:

• a processor and a memory storing instructions which are executed by the processor and cause the processor to:
• electronically receive and store vehicle sensor data from the vehicle for at least one predetermined period of time to a vehicle trip log stored upon an electronic storage unit of the vehicle, wherein the vehicle sensor data includes vehicle dynamic data associated with each trip of the vehicle and vehicle location data associated with a plurality of geo-positional locations of the vehicle;
• electronically access the vehicle trip log to analyze the stored vehicle sensor data to determine a vehicle dynamic data pattern, wherein the vehicle dynamic data pattern pertains to vehicle dynamics that are captured during different phases of driving of the vehicle that are based on an environment in which the vehicle is driven;
• electronically determine driving trends that are respectively expressed during different phases of driving of the vehicle for a plurality of vehicle dynamic categories and electronically aggregate driving trend data points that are associated with the driving trends to output the vehicle dynamic data pattern that is associated with a current driver of the vehicle, wherein the current driver of the vehicle includes a first driver or an additional driver;
• electronically access a map database that is stored upon the electronic storage unit of the vehicle and is updated with locational attributes that are associated with a second plurality of geo-positional locations, wherein the map database is updated with the locational attributes through a connection to at least one third-party that provides the locational attributes to update the map database;
• electronically query the map database with the vehicle location data that is determined from the vehicle sensor data to determine a vehicle locational data pattern that is associated with the current driver of the vehicle that includes the locational attributes associated with the plurality of geo-positional locations of the vehicle, wherein the locational attributes include crime statistics, environmental data, and point-of-interest data that pertain to the plurality of geo-positional locations of the vehicle during the at least one predetermined period of time to calculate at least one of:
• a residual depreciation and a residual appreciation of the vehicle for the at least one predetermined period of time;
• electronically determine a vehicle driving pattern that is associated with the current driver of the vehicle, wherein the vehicle dynamic data pattern and the vehicle locational data pattern that are associated with the current driver of the vehicle are retrieved and data points that are captured during at least one particular timeframe are aggregated to determine and output the vehicle driving pattern that is associated with the current driver of the vehicle;
• electronically determine a dynamic based residual value of the vehicle that is based on vehicle dynamic operation of the vehicle during the at least one predetermined period of time;
• electronically determine residual values of the vehicle that apply to respective points in time during a lifecycle of the vehicle and are specifically associated with the first driver and the additional driver, wherein the residual values of the vehicle are determined based on an aggregation of the dynamic based residual value and at least one of:
• the residual depreciation of the vehicle and the residual appreciation of the vehicle;
• execute electronically processed instructions to present a human machine interface to enable electronic creation of a driver profile as an electronic data file that is associated with the current driver of the vehicle;
• execute electronically processed instructions to electronically populate the driver profile with vehicle settings data;
• compare real time vehicle sensor data with the vehicle driving pattern;
• electronically execute the electronic data file;
• and
• electronically control the at least one vehicle system to electronically execute vehicle settings associated with the current driver of the vehicle based on the comparison of the real time vehicle sensor data with the vehicle driving pattern.

A non-transitory computer readable storage medium storing instructions that when executed by a processor, cause the processor to perform a method, the method comprising:

• electronically receiving and storing vehicle sensor data from a vehicle for at least one predetermined period of time to a vehicle trip log stored upon an electronic storage unit of the vehicle, wherein the vehicle sensor data includes vehicle dynamic data associated with each trip of the vehicle and vehicle location data associated with a plurality of geo-positional locations of the vehicle,
• electronically accessing the vehicle trip log to analyze the stored vehicle sensor data to determine a vehicle dynamic data pattern, wherein the vehicle dynamic data pattern pertains to vehicle dynamics that are captured during different phases of driving of the vehicle that are based on an environment in which the vehicle is driven;
• electronically determining driving trends that are respectively expressed during different phases of driving of the vehicle for a plurality of vehicle dynamic categories and electronically aggregating driving trend data points that are associated with the driving trends to output the vehicle dynamic data pattern that is associated with a current driver of the vehicle, wherein the current driver of the vehicle includes a first driver or an additional driver;
• electronically accessing a map database that is stored upon the electronic storage unit of the vehicle and is updated with locational attributes that are associated with a second plurality of geo-positional locations, wherein the map database is updated with the locational attributes through a connection to at least one third-party that provides the locational attributes to update the map database;
• electronically querying the map database with the vehicle location data that is determined from the vehicle sensor data to determine a vehicle locational data pattern that is associated with the current driver of the vehicle that includes the locational attributes associated with the plurality of geo-positional locations of the vehicle, wherein the locational attributes include crime statistics, environmental data, and point-of-interest data that pertain to the plurality of geo-positional locations of the vehicle during the at least one predetermined period of time to calculate at least one of:
• a residual depreciation and a residual appreciation of the vehicle for the at least one predetermined period of time;
• electronically determining a vehicle driving pattern that is associated with the current driver of the vehicle, wherein the vehicle dynamic data pattern and the vehicle locational data pattern that are associated with the current driver of the vehicle are retrieved and data points that are captured during at least one particular timeframe are aggregated to determine and output the vehicle driving pattern that is associated with the current driver of the vehicle;
• electronically determining a dynamic based residual value of the vehicle that is based on vehicle dynamic operation of the vehicle during the at least one predetermined period of time;
• electronically determining residual values of the vehicle that apply to respective points in time during a lifecycle of the vehicle and are specifically associated with the first driver and the additional driver, wherein the residual values of the vehicle are determined based on an aggregation of the dynamic based residual value and at least one of:
• the residual depreciation of the vehicle and the residual appreciation of the vehicle;
• executing electronically processed instructions to present a human machine interface to enable electronic creation of a driver profile as an electronic data file that is associated with the current driver of the vehicle;
• executing electronically processed instructions to electronically populate the driver profile with vehicle settings data;
• comparing real time vehicle sensor data with the vehicle driving pattern;
• electronically executing the electronic data file;
• and
• electronically controlling at least one vehicle system to electronically execute vehicle settings associated with the current driver of the vehicle based on the comparison of the real time vehicle sensor data with the vehicle driving pattern.