Vehicle monitoring system

A system that monitors vehicle data transferred among components that is used to determine one or more levels of risk or is used to determine a cost of insurance comprising:

• an in-vehicle monitor that filters data by selectively polling one or more in-vehicle controllers that transmit vehicle data related to a level of risk in operating the vehicle, the selected vehicle data is acquired at a predetermined interval or upon an event;
• a processor programmed to store the selected vehicle data in an in-vehicle memory, the memory retains relationship data that links the selected vehicle data to a vehicle identifier and a wireless network;
• a wireless transceiver configured to encrypt and encode the relationship data and the selected vehicle data and transmit the encoded data through a mobile communication network that provides access to a distributed network;
• and
• a dynamic memory allocation processor that allocates a portion of the memory to retain a copy of a legacy version of firmware that comprises input/output instructions when an updated firmware is transferred to the in-vehicle memory through the mobile communication network, the dynamic memory allocation processor de-allocates the portion of the in-vehicle memory when an error-free version of the updated firmware is stored or installed in the system or when a copy of the legacy version of the firmware is restored.

A system that monitors vehicle data transferred among components that is used to determine one or more levels of risk or is used to determine a cost of insurance comprising:

• an in-vehicle monitor that filters data by selectively polling one or more in-vehicle controllers that transmit vehicle data related to a level of risk in operating the vehicle, the selected vehicle data is acquired at a predetermined interval or upon an event;
• a processor programmed to store the selected vehicle data in an in-vehicle memory, the memory retains relationship data that links the selected vehicle data to a vehicle identifier and a wireless network;
• and
• a wireless transceiver configured to encrypt and encode the relationship data and the selected vehicle data and transmit the encoded data through a mobile communication network that provides access to a distributed network;
• where the wireless transceiver is compliant with two or more multiple packet architectures that are automatically detected and one or more multiple packet architectures that are automatically selected when a series of signals that acknowledge that a communication or transfer of information may occur are received by the wireless transceiver.

A system that monitors vehicle data transferred among components that is used to determine one or more levels of risk or is used to determine a cost of insurance comprising:

• an in-vehicle monitor that filters data by selectively polling one or more in-vehicle controllers that transmit vehicle data related to a level of risk in operating the vehicle, the selected vehicle data is acquired at a predetermined interval or upon an event;
• a processor programmed to store the selected vehicle data in an in-vehicle memory, the memory retains relationship data that links the selected vehicle data to a vehicle identifier and a wireless network;
• and
• a wireless transceiver configured to encrypt and encode the relationship data and the selected vehicle data and transmit the encoded data through a mobile communication network that provides access to a distributed network;
• where the wireless transceiver is responsive to an internal event-driven request to transfer the selected vehicle data and the selected relationship data retained in the in-vehicle memory to a remote server when the wireless service provider indicates an available channel capacity to transfer the selected vehicle data and the selected relationship data across the mobile communication network within a predetermined time period.

A system that monitors vehicle data transferred among components that is used to determine one or more levels of risk or is used to determine a cost of insurance comprising:

• an in-vehicle monitor that filters data by selectively polling one or more in-vehicle controllers that transmit vehicle data related to a level of risk in operating the vehicle, the selected vehicle data is acquired at a predetermined interval or upon an event;
• a processor programmed to store the selected vehicle data in an in-vehicle memory, the memory retains relationship data that links the selected vehicle data to a vehicle identifier and a wireless network;
• and
• a wireless transceiver configured to encrypt and encode the relationship data and the selected vehicle data and transmit the encoded data through a mobile communication network that provides access to a distributed network;
• where the wireless transceiver comprises a single-chip cellular baseband processor;
• where the single-chip cellular baseband processor comprises integrated interface drivers that enable auxiliary components comprising loudspeakers, display, and memory modules to connect directly to the single-chip.