Abstract: A credit score prediction (CSP) computing device comprising at least one processor in communication with a memory device. The at least one processor can be configured to receive current user data and current vehicle telematics data associated with a first user. The at least one processor further can be configured to apply a model, as trained, to the current user data and the current vehicle telematics data to predict a credit score associated with the first user. The model can be trained using a training dataset. The at least one processor also can be configured to determine a probability of error associated with the credit score, as predicted, based upon a number of records in the current vehicle telematics data. The probability of error can be lower when the number of records in the current vehicle telematics data is higher.

Abstract: A smart waste bin for waste management is provided. The smart waste bin may include a plurality of cameras, a deposit container, a plurality of waste receptacles, and a computing device including at least one processor in communication with at least one memory device. The processor may be configured to: (i) receive image data of items inserted into the deposit container by a user, the image data captured by a camera of the plurality of cameras, (ii) receive user data associated with the user, (iii) classify the one or more items based upon the image data, (iv) sort the one or more items into the corresponding waste receptacle of the plurality of waste receptacles based upon the classification, (v) determine an assigned value of the one or more items based upon the classification, and (vi) compensate the user based upon the assigned value of the one or more items.

Abstract: A user's credit score is determined based at least in part upon collected telematics data and user data associated with the user. A credit score prediction model is created using training datasets of historical data including demographics data, driver profile data, and established credit scores. The credit score prediction model is then used to predict credit scores for users without formal credit scores. A user's credit score is predicted based at least in part upon a driver profile built using telematics data, among other factors.

Abstract: A user's credit score is determined based at least in part upon collected telematics data and user data associated with the user. A credit score prediction model is created using training datasets of historical data including demographics data, driver profile data, and established credit scores. The credit score prediction model is then used to predict credit scores for users without formal credit scores. A user's credit score is predicted based at least in part upon a driver profile built using telematics data, among other factors.

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 smart waste bin for waste management is provided. The smart waste bin may include a plurality of cameras, a deposit container, a plurality of waste receptacles, and a computing device including at least one processor in communication with at least one memory device. The processor may be configured to: (i) receive image data of items inserted into the deposit container by a user, the image data captured by a camera of the plurality of cameras, (ii) receive user data associated with the user, (iii) classify the one or more items based upon the image data, (iv) sort the one or more items into the corresponding waste receptacle of the plurality of waste receptacles based upon the classification, (v) determine an assigned value of the one or more items based upon the classification, and (vi) compensate the user based upon the assigned value of the one or more items.

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: An exchange-traded note (ETN) having a plurality of ETN shares is generated and issued. Each ETN share of the ETN is issued having an initial share price. Buy orders are received to buy one or more ETN shares. The ETN tracks a plurality of internal and external indexes. The ETN share price fluctuates in accordance with the performance of the indexes. Data of the ETN is stored on a memory device and implemented as part of a blockchain architecture. Stored ETN data are updated periodically in response to a change of the plurality of internal and external indexes. An insurance premium cost is based at least in part upon the ETN share price.

Abstract: A smart contract computing device may be provided. A processor may be configured to: (1) receive a plurality of deposits from a plurality of user computing devices; (2) store the plurality of deposits in a blockchain structure including, for each user computing device, a user identifier and a current amount; (3) receive, from at least one user computing device of the plurality of user computing devices, a proposal message for a decentralized insurance policy, the proposal message including a price amount, a coverage amount, a payout condition, and a specified data source; (4) receive, from at least one user computing device of the plurality of user computing devices, a response message for the decentralized insurance policy; and/or (5) generate, in response to receiving the response message, a smart contract in the blockchain structure including at least one buyer user identifier, at least one seller user identifier, the coverage amount, the payout condition, and the specified data source.