Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze acceleration data corresponding to driving data, analyze the acceleration data, and determine driving patterns and associated drivers based on the data. Acceleration data may be collected by one or more mobile devices, such as smartphones, tablet computers, and/or on-board vehicle systems. Drivers associated with driving trips may be identified based on the acceleration data collected by the mobile devices. In some cases, driving patterns may be determined based on the acceleration data before and after stopping points during driving trips, and the driving patterns may be compared to a set of previously stored driving patterns associated with various different drivers.

Abstract: Aspects of the disclosure relate to a multi-computer processing system for compliance monitoring and control. A computing platform having at least one processor, a communication interface, and memory may receive hygiene-related information from one or more data sources. In addition, the one or more data sources includes one or more sensors for capturing the hygiene-related information. Subsequently, the computing platform may analyze the hygiene-related information received from the one or more of data sources and generate a hygiene compliance score. In addition, the hygiene compliance score may indicate an extent to which the hygiene-related information matches a plurality of guidelines. Then, the computing platform may store the hygiene-related information in a database and output the hygiene compliance score in response to a request.

Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

Abstract: Systems and methods provide customizable insurance according to consumer preferences and attributes. An enhanced attributes analysis server may analyze the attributes of a consumer and match these attributes with attributes of current customers of an entity managing the server. The insurance products/plans preferred by the matched customers may then be used to present insurance options to the consumer. In addition, the server may further customize insurance options based on answers to questions that relate to the consumer's specific situation. Further still, the consumer's social network may be used to understand insurance products/plans that may be preferred by the consumer.

Abstract: Methods, computer-readable media, software, and apparatuses may determine source code keywords via analysis of a source code file, map the source code keywords to test keywords, based on a similarity between the source code keywords and the test keywords, wherein the test keywords are associated with test cases, and cause execution of one or more of the test cases. Artificial intelligence driven testing utilizes artificial intelligence in analysis of source code and may automatically select and perform tests on the source code based on results of the analysis.

Abstract: A system, includes at least one processor and memory storing instructions that, when executed by the at least one processor, cause the system to perform operations. The operations include receiving, from a sensor associated with an object, sensor data; determining, based on the sensor data, a damage model indicating a severity of one or more damage elements; determining, based on the sensor data, scene data identifying a geographic location; and generating, by at least one machine classifier, event interpretation data for each of the one or more damage elements, wherein the event interpretation data is based on the sensor data, the damage model, and the scene data.

Abstract: Methods, computer-readable media, software, and apparatuses may assist a consumer m unsubscribing from unwanted mailing list traffic and email based relationships. A consumer's discovered accounts and subscriptions may be listed and displayed to the consumer. For each identified account or subscription, an unsubscribe and deletion action may be determined and automated for the consumer.

Abstract: Systems and methods in accordance with embodiments of the invention can proactively determine if an individual is likely in need of roadside assistance. Information can be collected from the individual's phone, including the person's location, the type of road, ambient noise, and/or motion of nearby objects. If it is determined that the individual likely needs roadside assistance, the system can proactively contact the individual to see if roadside assistance is desired, and if so, initiates roadside assistance. The system also can provide helpful information, such as safety information, and/or automatically contact other individuals to alert them of the roadside event and the location of the individual.

Abstract: Methods, computer-readable media, systems, and apparatuses for determining a safest road segment for traveling between two locations are provided. In some cases, a road segment safety rating may be determined for a plurality of road segments between the two locations based on historical data associated with the road segments and/or based on driving behavior data of an operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle may be compared to the safest route. If the actual route of travel is different from the determined safest route, the operator may be notified that an award may be earned when the determined safest route is traveled. If the actual route of travel is determined to be safer than the determined safest route, an award may be earned.

Abstract: A central claims adjuster control unit associated with an entity may oversee the assignment of claims cases to claims adjusters. The control unit may designate that a threshold number of cases may be assigned to certain claims adjusters. When new claims cases arrive, the control unit may monitor the workload of each of the claims adjusters and the threshold value assigned to any of the claims adjusters before assigning the case to one of the adjusters. If no adjuster is available, the control unit may store the case(s) in a memory until one of the adjusters becomes available. An additional feature of the control unit includes a user interface for modifying information about claims adjusters, including whether or not a threshold value is associated with them, the value of any associated threshold, and the reassignment of cases from one adjuster to another.

Abstract: Methods, computer-readable media, software, and apparatuses may retrieve, from a computing device at a vehicle, driving data, and determine, based on the driving data, a range of time when a driver of the vehicle has a low likelihood of accessing a web resource over a network. An online activity may be detected for an account associated with the driver. In some aspects, a time of the online activity may be compared to the range of time. Based upon a determination that the time of the online activity is within the range of time, a potentially unauthorized activity may be identified. In some aspects, in response to the potentially unauthorized activity, one or more steps may be triggered to protect the driver from the potentially unauthorized activity.

Abstract: A claim-based capitation model is proposed for handling vehicle repair insurance claims. Rather than determining a detailed estimate of the expected actual cost of repair, the estimate may be determined using a simpler model. For example, the insurance company and a repair facility may agree to following a predictive payment model in which the insurance company pays a fixed predicted capitated amount of money for each repair claim, regardless of the amount of repair work that will be needed. Alternatively, the insurance company may pre-pay a fixed capitated amount for a predicted number of future insurance claims.

Abstract: Methods, computer-readable media, software, and apparatuses may assist a user in automatically updating their personal information across a plurality of entities which have previously stored the user's personal information.

Abstract: Aspects of the disclosure relate to using machine learning algorithms to analyze vehicle operational data associated with a vehicle accident. In some instances, an accident assessment server may receive data indicating that a vehicle was involved in an accident. The accident assessment server may compare the data with other known data, based on machine learning algorithms, to identify whether the accident resulted in a total loss. Responsive to determining that the accident resulted in the total loss, the accident assessment server may request further information regarding the vehicle and may identify a baseline value range for the vehicle. The accident assessment server may request updated information from the owner of the vehicle, identify, based on the updated information, a final value of the vehicle, and may pay the owner of the vehicle an amount corresponding to the final value if the final value is within the baseline value range.

Abstract: An intelligent prediction system includes one or more processors, one or more memory components, and machine-readable instructions that cause the intelligent prediction system to: receive text data comprising a plurality of speaker turn segments of a transcription of a conversation, each speaker turn segment of the plurality of speaker turn segments representative of a turn in the conversation, the plurality of speaker turn segments collectively representative of the conversation up to a point of time, generate a point in time bind probability based on a speaker turn segment bind probability of a speaker turn segment at the point in time and memory data associated with the plurality of segments up to the point in time, and generate a speaker turn segment impact score at the point in time by subtracting an immediately preceding point in time bind probability from the point in time bind probability.

Abstract: The disclosure relates generally to an in-vehicle feedback system, and more particularly, to an in-vehicle device with a display or graphical interface that collects driving data and provides feedback based on the driving data. The system may comprise an in-vehicle device that includes a graphical user interface and a processor and a data collection device wirelessly connected to the in-vehicle device. The in-vehicle device may be configured to receive vehicle telematics data from the data collection device and the processor may process the telematics data in real time and cause the telematics data to be displayed on the graphical user interface. The graphical user interface may include a speed display and an acceleration display.

Abstract: Systems and methods provide for an automated system for determining whether claims related to an insured item should proceed to an arbitrating body. A virtual assistant (also referred to herein as an “arbitration assessment assistant”) installed in a computing device (e.g., computer, laptop, tablet computer, mobile phone, etc.) may be responsible for managing and assisting an insurance representative (e.g., an insurance adjuster, subrogation representative, etc.) in determining liability and fault relating to a claim, conducting a subrogation process, and ultimately determining whether the claim should be submitted for arbitration. In one or more aspects discussed, herein the process may be fully automated.

Abstract: A risk management system that includes an internet of things (IoT) integrated logic engine connected to IoT-capable sensors and devices and autonomous entity sensors and devices. The logic engine processes and analyzes in real-time the data from the plurality of IoT-capable sensors and the autonomous entity sensors. The logic engine further identifies novel patterns and pre-defined data patterns in the data from the plurality of IoT-capable sensors and the autonomous entity sensors to determine that a risk is occurring or imminent. The logic engine further sends real-time notifications to a set of subscribers of the risk management system about the risk that is occurring or imminent and provide inter-device communications to provide real-time warnings between one or more of the plurality of sensor-enabled devices and the autonomous entity devices.

Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to analyze driving data, determine driving behaviors, and determine whether a collision is imminent or has occurred using vehicle-to-vehicle (V2V) communications. Determination of whether a collision has occurred may be based on X-axis, Y-axis, and Z-axis positional data from two vehicles. Driving data from multiple vehicles may be collected by vehicle sensors or other vehicle-based systems, transmitted using V2V communications, and then analyzed and compared to determine various driving behaviors by the drivers of the vehicles.

Abstract: Exhaustive driving analytical methods, systems, are apparatuses are described. The methods, systems, are apparatuses relate to utilizing partially available data associated with driver and/or driving behaviors to determine safety factors, identify times to react to events, and contextual information regarding the events. The methods, systems, and apparatuses described herein may determine, based on a systematic model, reactions and reaction times, compare the vehicle behavior (or lack thereof) to the modeled reactions and reaction times, and determine safety factors and instructions based on the comparison.