System and method for providing a score for a used vehicle

A vehicle scoring system for generating a vehicle risk assessment score, comprising:

• a vehicle data store configured to store historical vehicle information for a plurality of vehicles, the historical vehicle information including at least one of historical vehicle accident data, historical vehicle ownership data, or historical vehicle events data;
• a vehicle score server comprising one or more processors programmed to execute instructions that cause at least one processor of the one or more processors to:
• receive a request from an interface operated by a user at a remote computing device, the request including a vehicle request indicator data package corresponding to a vehicle;
• automatically process the vehicle request indicator data package to automatically determine a unique identifier data set associated with the vehicle;
• initiate an electronic request to the vehicle data store using the unique identifier data set to request a first set of historical vehicle data that corresponds to the vehicle associated with the unique identifier data set;
• access the first set of historical vehicle data;
• apply one or more risk filters to the first set of historical vehicle data to generate risk factors that represent relative risk associated with the vehicle;
• assign a value to at least one of the risk factors;
• weight values of the vehicle-related data, wherein weighting is determined by a predetermined risk model applied to the retrieved data stored in the data storage module;
• generate a vehicle history score for the vehicle based on the plurality of factors and the weighted values of the vehicle-related data, wherein the vehicle history score corresponds, at least in part, to a relative risk associated with the vehicle;
• and
• generate an electronic data packet or transmission from the computer system to the remote computing device through a communication link, the electronic data packet including an electronic indication of the vehicle score and configured to cause the interface to render the electronic indication on a display device of the remote computing device, the electronic indication of the vehicle score including a numerical value within a numerical range having a high threshold and a low threshold, the numerical value indicative of the vehicle score of the vehicle.

A computer-implemented method for generating a vehicle risk assessment score, the method comprising:

• storing, in a vehicle data store, historical vehicle information for a plurality of vehicles, the historical vehicle information including at least one of historical vehicle accident data, historical vehicle ownership data, or historical vehicle events data;
• receiving a request from an interface operated by a user at a remote computing device, the request including a vehicle request indicator data package corresponding to a vehicle;
• automatically processing the vehicle request indicator data package to automatically determine a unique identifier data set associated with the vehicle;
• initiating an electronic request to the vehicle data store using the unique identifier data set to request a first set of historical vehicle data that corresponds to the vehicle associated with the unique identifier data set;
• accessing the first set of historical vehicle data;
• applying one or more risk filters to the first set of historical vehicle data to generate risk factors that represent relative risk associated with the vehicle;
• assigning a value to at least one of the risk factors;
• weighting values of the vehicle-related data, wherein weighting is determined by a predetermined risk model applied to the retrieved data stored in the data storage module;
• generating a vehicle history score for the vehicle based on the plurality of factors and the weighted values of the vehicle-related data, wherein the vehicle history score corresponds, at least in part, to a relative risk associated with the vehicle;
• and
• generating an electronic data packet or transmission from the computer system to the remote computing device through a communication link, the electronic data packet including an electronic indication of the vehicle score and configured to cause the interface to render the electronic indication on a display device of the remote computing device, the electronic indication of the vehicle score including a numerical value within a numerical range having a high threshold and a low threshold, the numerical value indicative of the vehicle score of the vehicle.

Non-transitory, computer-readable storage media storing computer-executable instructions that, when executed by a computer system, configure the computer system to perform operations comprising:

• storing, in a vehicle data store of the computer system, historical vehicle information for a plurality of vehicles, the historical vehicle information including at least one of historical vehicle accident data, historical vehicle ownership data, or historical vehicle events data;
• receiving a request from an interface operated by a user at a remote computing device, the request including a vehicle request indicator data package corresponding to a vehicle;
• automatically processing the vehicle request indicator data package to automatically determine a unique identifier data set associated with the vehicle;
• initiating an electronic request to the vehicle data store using the unique identifier data set to request a first set of historical vehicle data that corresponds to the vehicle associated with the unique identifier data set;
• accessing the first set of historical vehicle data;
• applying one or more risk filters to the first set of historical vehicle data to generate risk factors that represent relative risk associated with the vehicle;
• assigning a value to at least one of the risk factors;
• weighting values of the vehicle-related data, wherein weighting is determined by a predetermined risk model applied to the retrieved data stored in the data storage module;
• generating a vehicle history score for the vehicle based on the plurality of factors and the weighted values of the vehicle-related data, wherein the vehicle history score corresponds, at least in part, to a relative risk associated with the vehicle;
• and
• generating an electronic data packet or transmission from the computer system to the remote computing device through a communication link, the electronic data packet including an electronic indication of the vehicle score and configured to cause the interface to render the electronic indication on a display device of the remote computing device, the electronic indication of the vehicle score including a numerical value within a numerical range having a high threshold and a low threshold, the numerical value indicative of the vehicle score of the vehicle.