Driving trip and pattern analysis

A method comprising:

• receiving, from a plurality of sensors arranged on a first vehicle and by a driving analysis server, vehicle data corresponding to at least a first driving trip by the first vehicle;
• performing, by the driving analysis server, an analysis of the received vehicle data and determining one or more risk assessment values corresponding to the first driving trip, wherein determining the risk assessment values comprises:
• determining a source location of the first driving trip;
• determining a first destination of the first driving trip the first destination being the first destination to which the first vehicle will travel from the determined source location;
• determining a first set of risk factors for evaluation based on the determined first destination;
• determining one or more driving risk assessment values for risk factors of the first set of risk factors, the one or more driving risk assessment values corresponding to driving the first vehicle to or from the first destination during the first driving trip;
• determining a second set of risk factors for evaluation based on parking the first vehicle at the first destination, the second set of risk factors being different from the first set of risk factors;
• determining one or more parking risk assessment values for risk factors of the second set of risk factors, the one or more parking risk assessment values corresponding to parking the first vehicle at the first destination during the first driving trip;
• determining a second destination of the first driving trip;
• determining a third set of risk factors for evaluation based on the determined second destination of the first driving trip, the third set of risk factors being different from the first and second sets of risk factors;
• determining one or more driving risk assessment values for risk factors of the third set of risk factors, the one or more driving risk assessment values being associated with driving the vehicle to or from the second destination during the first driving trip;
• determining one or more parking risk assessment values associated with parking the first vehicle at the second destination during the first driving trip, the parking risk assessment value being based on the second set of risk factors;
• and
• calculating, by the driving analysis server, a driver score for the first vehicle or a first driver of the first vehicle, based on the risk assessment values corresponding to the one or more driving trips.

A driving analysis system comprising a first vehicle on-board data recording system and a driving analysis server:

• wherein the first vehicle on-board data recording system comprises:
• one or more vehicle operation sensors configured to record vehicle operation data at the first vehicle;
• one or more global positioning system (GPS) devices configured to record location data at the first vehicle;
• and
• one or more telematics devices configured to transmit the vehicle operation data and the location data from the first vehicle to the driving analysis server,
• wherein the driving analysis server comprises a processor and a memory unit storing computer-executable instructions, which when executed by the processor, cause the driving analysis server to:
• receive vehicle data from the first vehicle on-board data recording system, the vehicle data corresponding to at least a first driving trip by the first vehicle;
• perform an analysis of the received vehicle data and determine one or more risk assessment values corresponding to the first driving trip, wherein determining the risk assessment values comprises:
• determining a source location of the first driving trip;
• determining a first destination of the first driving trip, the first destination being the first destination to which the first vehicle will travel from the determined source location;
• determining a first set of risk factors for evaluation based on the determined first destination;
• determining one or more driving risk assessment values for risk factors of the first set of risk factors, the one or more driving risk assessment values being associated with driving the first vehicle to or from the first destination during the first driving trip;
• determining a second set of risk factors for evaluation based on parking the first vehicle at the first destination, the second set of risk factors being different from the first set of risk factors;
• determining one or more parking risk assessment values for risk factors of the second set of risk factors, the one or more parking risk assessment values being associated with parking the first vehicle at the first destination during the first driving trip;
• determining a second destination of the first driving trip;
• determining a third set of risk factors for evaluation based on the determined second destination of the first driving trip, the third set of risk factors being different from the first and second sets of risk factors;
• determining one or more driving risk assessment values for risk factors of the third set of risk factors, the one or more driving risk assessment values being associated with driving the vehicle to or from the second destination during the first driving trip;
• determining one or more parking risk assessment values associated with parking the first vehicle at the second destination during the first driving trip, the parking risk assessment value being based on the second set of risk factors;
• and
• calculate a driver score for the first vehicle or a first driver of the first vehicle, based at least on the driving risk assessment values and the parking risk assessment values corresponding to the first driving trip.