" Patent Application No. 17/850,258 expands the dataset of “Big Data” to include many of the external elements that affect driving behavior including weather conditions, population density, and vehicle condition. Whether driving in high-density traffic or at high speeds over the expressway, the data is normalized across a relatively large sample to eliminate gross errors and create a consistent and accurate driver profile based on actuarial metrics. With programmable weighting of driving events such as speed, sudden-braking, harsh-turns, traffic flow, and vehicle profiling, a “DTS” or weighted score is created and updated real-time or over an extended period-of-time in accordance with actuarial standards. "
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