Abstract: The described methods and systems decrease instances of distracted driving, encourage more frequent use of vehicle tracking services, and generally improve the risk profile of a driver and vehicle. These benefits are achieved by way of a vehicle computer system that incentivizes users to place mobile devices in a do-not-disturb (DND) mode and to activate vehicle tracking services. The vehicle computer system encourages these behaviors by enabling content delivery for devices within the vehicle based on the status of the mobile device(s) and the status of the vehicle tracking service(s).

Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.

Abstract: A system and methods relate to, inter alia, aggregating geolocation data and auxiliary data associated with a plurality of driving activities. The system and methods may further identify the plurality of driving activities that have common geolocation data points based on a geolocation threshold. The system and methods may further determine, from among the identified plurality of driving activities, one or more designated driving activities based on an auxiliary threshold. The system and methods may further generate the neighborhood map that includes the one or more designated driving activities. The system and methods may further transmit a visual representation of, or electronic message detailing, the neighborhood map to a mobile device of a user for display, or otherwise causing the neighborhood map to be displayed to the user.

Abstract: The described methods and systems decrease instances of distracted driving, encourage more frequent use of vehicle tracking services, and generally improve the risk profile of a driver and vehicle. These benefits are achieved by way of a vehicle computer system that incentivizes users to place mobile devices in a do-not-disturb (DND) mode and to activate vehicle tracking services. The vehicle computer system encourages these behaviors by enabling content delivery for devices within the vehicle based on the status of the mobile device(s) and the status of the vehicle tracking service(s). Specifically, the content delivery may comprise data for providing a gamified user interface within the vehicle.

Abstract: A system for analyzing wireless telematics data to determine that a vehicle is engaged in an extended period of travel and prompt additional devices within the vehicle regarding the extended period of travel. The system may comprise a telematics server and a plurality of mobile applications to be implemented on a plurality of telematics devices belonging to a plurality of users. The plurality of telematics devices transmit telematics data to the telematics server. The data is analyzed and the telematics server transmits an indication to the telematics devices, causing the mobile applications to execute in a driver application mode or passenger application mode. Messages containing notifications to change drivers or pull over are sent to the telematics devices.

Abstract: Method and system for determining a status of an application previously installed on a mobile device of a user are disclosed. For example, the method includes determining that an application has been installed on a mobile device of a user, determining whether the sensor data is received from the application at least once during a predetermined time interval, determining that the application does not work properly on the mobile device of the user in response to the sensor data being not received at least once during the predetermined time interval, and transmitting a notification to the mobile device indicating that the application does not work properly.

Abstract: Telematics systems and methods are described for generating interactive animated guided user interfaces (GUIs). A telematics cloud platform is configured to receive vehicular telematics data from a telematics device onboard a vehicle. A GUI value compression component determines, based on the vehicular telematics data, a plurality of GUI position values and a plurality of corresponding GUI time values. A geospatial animation app receives the plurality of GUI position values and the plurality of corresponding GUI time values. The geospatial animation app implements an interactive animated GUI that renders a plurality of geospatial graphics or graphical routes on a geographic area map via a display device. The geospatial graphics or graphical routes are rendered to have different visual forms based on differences between respective GUI position values and corresponding GUI time values.

Abstract: A smart ring is configured harvest mechanical energy using piezoelectricity. The smart ring includes a ring-shaped housing, a power source disposed within the ring-shaped housing, and a charging circuit. The charging circuit includes a piezoelectric harvesting element, and is configured to charge the power source when user motion causes a mechanical deformation in the piezoelectric harvesting element. The smart ring further includes a component, disposed within the ring-shaped housing and configured to draw energy from the power source, and further configured to perform at least one of: i) sense a physical phenomenon external to the ring-shaped housing, ii) send communication signals to a communication device external to the ring-shaped housing, or iii) implement a user interface.

Abstract: A distributed ledger operated by a group of network participants according to a set of consensus rules stores vehicle condition data and generated vehicle condition reports, The vehicle condition data may be received directly from a vehicle or an associated mobile device and the vehicle condition report may be accessed by an authorized user.

Abstract: A computer system for providing reimbursement controls to insurance policies is provided. The computer system may include a processor in communication with a memory device.

Abstract: Systems and methods for generating calm or quiet routes are provided. When a user requests navigation directions and indicates a preference for a calm route, a plurality of routes between the origin location and the destination location requested by the user may be identified. Historical sensor data (e.g., including heart rate data, exterior vehicle noise level data, accelerometer data) and traffic data associated with route segments of each of the routes may be analyzed to identify indications of calmness associated with each route segment. Current traffic data associated with the route segments may be analyzed to assign a traffic score representing a level of congestion along the segment and corresponding to a level of insurance risk associated with traversing the segment. Based at least in part upon the indications of calmness and the traffic score associated with each route segment, a route may be selected and presented to the user.

Abstract: A computing system for generating a list of possessions associated with a user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to receive image data, analyze the image data to identify at least one possession, update a user profile to include the identified at least one possession, determine additional information is needed to accurately estimate a value associated with the at least one possession, generate and transmit an additional information prompt to a user computing device, receive, from the user computing device, the additional information, estimate, using the additional information, the value associated with the at least one possession, and update the user profile to include the estimated value associated with the at least one possession stored in association with the at least one possession.

Abstract: Systems and methods for facilitating virtual operation of a virtual vehicle within a virtual environment are disclosed. According to aspects, a computing device may access a data model indicative of real-life operation of a real-life vehicle by a real-life operator and, based on the data model, generate a set of virtual vehicle movements that are reflective of a performance of the real-life operation of the real-life vehicle by the real-life operator. The computing device may display, in a user interface, the virtual vehicle undertaking the set of virtual vehicle movements such that the real-life operator may review the virtual movements and potentially be motivated to improve his/her real-life vehicle operation.

Abstract: A computer system for creating driving tournaments for users including a processor in communication with a memory device is provided. The processor may be programmed to: i) receive user data associated with a plurality of users, ii) generate, based at least in part upon the received user data, a driving profile including driving characteristics of each user, iii) match users based at least in part upon the driving profiles of the users, wherein a match occurs when driving characteristics of the driving profiles are substantially similar, iv) create a driving tournament for the matched one or more users, v) receive current vehicle telematics data and current mobile device data associated with the matched one or more users, and vi) determine, after the predetermined time period has ended, a winner of the driving tournament.

Abstract: A system for communicating information indicative of driving conditions, to a driver, using a smart ring are disclosed. An exemplary system includes a smart ring with a ring band having a plurality of surfaces including an inner surface, an outer surface, a first side surface, and a second side surface. The system further includes a processor, configured to obtain data from a communication module within the ring band, or from one or more sensors disposed within the ring band. The obtained data is representative of information indicative of one or more driving conditions to be communicated to the driver. The smart ring also includes a haptic module disposed at least partially within the ring band, and the module being configured to communicate information indicative of the one or more driving conditions.

Abstract: Systems and methods for reducing vehicle collisions based on driver risk groups are provided. A plurality of vehicle operators may be classified into a driver risk group based on one or more attributes (e.g., location, workplace, school, demographic, hobby, interest, etc.) shared by the plurality of vehicle operators. Vehicle sensor data (e.g., speed data, acceleration data, braking data, cornering data, following distance data, turn signal data, seatbelt use data, etc.) associated with each of the plurality of vehicle operators of the driver risk group may be analyzed. Based on the analysis of the vehicle sensor data, one or more indicia of safe driving behavior associated with the driver risk group may be identified. In response to a third-party query regarding a vehicle operator in the driver risk group, an indication of the safe driving behavior associated with the driver risk group may be provided to the third party.

Abstract: Systems and methods for providing continuous safe-driver training safely are provided. A safe-driving challenge may be presented to an operator of a vehicle. Data captured by sensors associated with the vehicle may be analyzed to determine whether the operator of the vehicle has completed the safe-driving challenge. Based on a determination that the operator of the vehicle has completed the safe-driving challenge, a notification may be provided to the operator (e.g., indicating to the operator that he or she has successfully completed the challenge). A processor may randomly select whether a reward is to be provided to the operator of the vehicle based on the determination that the operator of the vehicle has completed the safe-driving challenge. Moreover, if a reward is to be provided to the operator of the vehicle, a processor may randomly select a type of reward to be provided to the operator of the vehicle.

Abstract: Methods and systems for improving vehicular safety by utilizing uplift modeling techniques to improve a driving tip treatment generation model are provided. According to embodiments, a tip server can analyze telematics data associated with operation of one or more vehicles to determine that a driving tip should be provided to a driver of a vehicle. The tip server then utilize a treatment generation model to determine a treatment for how to provide the driving tip in a manner optimized for the particular driver. The tip server can analyze additional telematics data to determine an effectiveness of the driving tip and to update the treatment generation model in accordance with uplift modeling techniques.

Abstract: Systems, methods, and techniques for assessing driver safety based on noise levels or sounds associated with the interior of a vehicle are provided. Noise levels or sounds associated with the interior of a vehicle over a first interval of time may be compared to indications of vehicle motion over the first interval of time to identify noise levels or sounds at times when the indications of vehicle motion indicate unsafe driving. The identified noise levels or sounds may be analyzed to determine noise levels, sources, and/or characteristics of sounds associated with unsafe driving. Noise levels or sounds associated with the interior of the vehicle over a second interval of time may be analyzed to determine instances in which the noise levels, sources, and/or characteristics of sounds associated with unsafe driving occur over the second interval of time. Alerts may be generated for vehicle operators based on the determined instances.

Abstract: A system for displaying information indicative of driving conditions, to a driver, using a smart ring are disclosed. An exemplary system includes a smart ring with a ring band having a plurality of surfaces including an inner surface, an outer surface, a first side surface, and a second side surface. The system further includes a processor, configured to obtain data from a communication module within the ring band, or from one or more sensors disposed within the ring band. The obtained data are representative of information indicative of one or more driving conditions to be displayed to the driver. The smart ring also includes an electronic ink (e-ink) display disposed on at least one of the plurality of surfaces, and configured to present information indicative of the one or more driving conditions.