Systems and methods to identify and profile a vehicle operator

A computer device for assessing risk associated with a driver of a vehicle, the computer device comprising:

• one or more processors;
• and one or more memories coupled to the one or more processors;
• wherein the one or more memories include computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to:
• receive, via a network interface, a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle;
• determine the driver from a plurality of drivers based on the plurality of risk variables, the determination of the driver including:
• clustering the plurality of risk variables into a plurality of groups of risk variables;
• associating at least one of the plurality of groups of risk variables with the driver;
• and
• develop a risk profile for the driver based on the associated groups of risk variables, wherein developing a risk profile for the driver includes:
• determining a risk corresponding to at least some of the associated groups of risk variables, and
• generating a risk index, the risk index being a collective measure of risk corresponding to the driver and the risk index being based on the risk corresponding to the associated groups of risk variables;
• wherein the plurality of risk variables includes at least two of the following risk variables:
• measurements of driver behavior, driving times, driving environment measurements, motions sensor data, images of drivers, audio data, biometric sensor data, or geographic location data.

A computer readable storage medium

• comprising non-transitory computer readable instructions stored thereon for assessing risk associated with a driver of a vehicle, the instructions, when executed on one or more processors, cause the one or more processors to:
• receive, via a network interface, a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle;
• determine the driver from a plurality of drivers based on the plurality of risk variables, the determination of the driver including:
• clustering the plurality of risk variables into a plurality of groups of risk variables;
• associating at least one of the plurality of groups of risk variables with the driver;
• and
• develop a risk profile for the driver based on the associated groups of risk variables, wherein developing a risk profile for the driver includes:
• determining a risk corresponding to at least some of the associated groups of risk variables, and
• generating a risk index, the risk index being a collective measure of risk corresponding to the driver and the risk index being based on the risk corresponding to the associated groups of risk variables;
• wherein the plurality of risk variables includes at least two of the following risk variables:
• measurements of driver behavior, driving times, driving environment measurements, motions sensor data, images of drivers, audio data, biometric sensor data, or geographic location data.