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Computer software consulting; Consulting services in the field of design, selection, implementation and use of computer hardware and software systems for others; Information technology consulting services; Information technology integration services; Planning, analysis, design, testing and implementation of computer systems for others; Outsource service providers in the field of information technology; Managed service provider (MSP), application service provider (ASP), and Software as a Service (SaaS) services featuring software for use in monitoring vehicle usage and collecting information on vehicle usage and driving behavior, for use in integrating with an electronic wireless vehicle sensor that monitors performance and operation of the vehicle, for collecting data, manipulating data, monitoring data, encrypting data, storing data, aggregating data, analyzing data, data reporting and data analytics for use in the field of driver behavior, driver risk management, improving driver safety and reducing risky driving behavior, for the collection, analysis, storage, management, manipulation, and processing of multi-source information and data, for data analytics and predictive analytics, for monitoring factors affecting driving behavior, for calculating driver scores, and for providing feedback and information related to driving to users, for monitoring telematics, for collecting, analyzing, managing, and storing driver behavior data related to driver and vehicle, and for use to determine incentive rewards, points, and carbon credits, for improving driver behavior through gamification and reward, namely, calculating scores based on driving behavior, aggregating driving patterns, monitoring driver distraction, collision detection, displaying routes, and for sending and receiving electronic messages and visual display information, for user authentication and authorization, biometric recognition, relative to vehicle usage and vehicle driving behavior, for monitoring telematics, for collecting, analyzing, managing, and storing driver behavior data related to driver and vehicle to determine and calculate risk to price insurance and provide insurance rates, for insurance rating and insurance product configuration, and for calculating insurance product price quotation