Abstract: Aspects of the present disclosure are directed to systems and methods for authenticating a user requesting access to a computing resource based on telematics data. A system may include a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device, and a server computer. The server computer may receive telematics data of a user associated with the vehicle from the telematics device, store the telematics data in memory, receive a request to authenticate the user, generate one or more questions for authenticating the user based on the telematics data, transmit the one or more questions for presentation to the user, receive one or more answers to the one or more questions from the mobile device, and transmit, to the mobile device, an indication of whether the user is authenticated based on the one or more answers.

Abstract: Systems and methods for processing insurance claims are provided. A notice of loss associated with a damaged item and damage information describing the damage may be received. Repair cost data may be retrieved based on the damage information received. A repair cost model may be configured based on the damage information and the repair cost data and used to generate a repair cost for repairing the damaged item. A non-negotiable payment amount may be selected based on the repair cost generated and included in a work order along with the damage information. The work order may be transmitted to a repair service provider that accepted the terms of the work order. Feedback may be received from the repair service provider that indicates an actual cost to repair the damaged item, and the repair cost data may be updated based on the feedback received.

Abstract: Systems and computer-implemented methods for estimating a cost to repair a damaged item are provided. In some example implementations, an indication identifying a portion of the damaged item is received. A series of images are selected that depict increasing degrees of damage to a reference item at the portion identified, and the series of images are provided for presentation. An indication is received that identifies one of the images in the series of images that has been selected as best representing the damage to the portion of the damaged item identified. An estimated cost to repair the damaged item is generated based, at least in part, on the image selected.

Abstract: Aspects of the present disclosure are directed to systems and methods for authenticating a user requesting access to a computing resource based on telematics data. A system may include a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device, and a server computer. The server computer may receive telematics data of a user associated with the vehicle from the telematics device, store the telematics data in memory, receive a request to authenticate the user, generate one or more questions for authenticating the user based on the telematics data, transmit the one or more questions for presentation to the user, receive one or more answers to the one or more questions from the mobile device, and transmit, to the mobile device, an indication of whether the user is authenticated based on the one or more answers.

Abstract: Aspects of the present disclosure are directed to systems and methods for authenticating a user requesting access to a computing resource based on telematics data. A system may include a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device, and a server computer. The server computer may receive telematics data of a user associated with the vehicle from the telematics device, store the telematics data in memory, receive a request to authenticate the user, generate one or more questions for authenticating the user based on the telematics data, transmit the one or more questions for presentation to the user, receive one or more answers to the one or more questions from the mobile device, and transmit, to the mobile device, an indication of whether the user is authenticated based on the one or more answers.

Abstract: Systems and methods provide customizable insurance according to consumer preferences. Demand simulators may be used to guide the creation of optimized packages of features, which consumers may select from to form an insurance product appropriate for their particular needs. Packages may be formed with a particular appeal to consumers with common characteristics. In addition, methods are provided for selling insurance products formed through an optimization process and providing corresponding insurance services.