Abstract: A smart ring includes a housing configured to be worn by a user. The smart ring also can include sensors and a processor. The processor can perform a first authentication operation by collecting body movement representing a candidate movement. The first authentication operation can include comparing the candidate movement to a known authentication movement and when the candidate movement is determined to correspond to the known authentication movement, generating a first signal. The processor also can perform a second authentication operation which can include detecting contact between the smart ring and a component external to the smart ring. The second authentication operation further can include generating a second signal indicating that the candidate has been authenticated as the known user. The processor further can cause the second device to grant the candidate access to the resource when the second device receives the first and second signals. Other embodiments are disclosed.

Abstract: Systems and methods for analyzing documentation for assessing potential fraudulent user submissions are provided. According to certain aspects, a server computer may receive an initial set of documentation descriptive of damage to a property asset, and may analyze the initial set of documentation to determine whether additional documentation is needed. The server computer may initiate a communication channel with a user device via which the additional documentation may be submitted, and the server computer may similarly analyze the additional documentation to determine a likelihood of fraud. The server computer may process the user submission accordingly.

Abstract: A method for predicting risk exposure can include receiving a set of data collected via a smart ring. The method also can include analyzing, via a trained machine learning (ML) model, the set of data collected via the smart ring to determine whether the set of data collected via the smart ring (a) represents an impairment pattern or (b) correlates to a high-risk pattern, wherein at least one of the impairment pattern or the high-risk pattern correlates to a risk exposure. The method for predicting risk exposure further can include generating a notification to alert a user of the risk exposure. Other embodiments are disclosed.

Abstract: A computer-implemented method of modeling a vehicle in a virtual environment includes receiving one or more operation characteristics of the vehicle. The method also includes receiving operation data associated with operation of the vehicle and updating the one or more operation characteristics based upon at least a portion of the operation data. The method further includes processing one or more virtual movements for a virtual vehicle to undertake in a virtual trip and transmitting for displaying, in a user interface, the virtual trip for the virtual vehicle based on the one or more virtual movements. Other embodiments are disclosed.

Abstract: A system comprising one or more processors and one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform operations: building, using a machine learning algorithm, a transit model based at least in part upon telematics data associated with a user; generating, based at least in part upon the transit model, a dynamic transit route for the user; calculating, based at least in part upon the telematics data associated with the user, a potential benefit comprising an amount of fuel cost savings for the user, reduced travel time for the user, insurance savings, or environmental pollution reduction for the user; generating a notification comprising the dynamic transit route and the potential benefit; and transmitting the notification to a mobile device of the user. Other embodiments are described.

Abstract: A ring can include a housing. The housing can include a first power source configured to be charged by a second power source removably positioned adjacent to the housing. The housing also can include a component. The component can be configured to draw energy from the first power source. The component also can sense a physical phenomenon external to the housing. The component further can send communication signals to a communication device. Other embodiments are disclosed.

Abstract: A computer-implemented method for generating one or more virtual characters, the computer-implemented method including determining, by a computing device, one or more first real-world driving characteristics comprising a first real-world focus skill based at least in part upon first real-world telematics data; determining, by the computing device, one or more first virtual driving characteristics comprising a first virtual focus skill based at least in part upon the one or more first real-world driving characteristics; generating, by the computing device, a first virtual character; presenting, by the computing device, the first virtual character in a virtual game; generating, by the computing device, a second virtual character associated with one or more second virtual driving characteristics; and presenting, by the computing device, the second virtual character in a virtual game. Other embodiments are described.

Abstract: A computer-implemented method of generating a scenic route including: receiving, by one or more processors, a user request from a user for directions from an origin location to a destination location; identifying, by the one or more processors, one or more route segments of one or more routes between the origin location and the destination location based on at least telemetry data and point of interest (POI) data; determining, by the one or more processors, one or more respective scenic views proximate to the one or more respective scenic points; receiving, by the one or more processors, a selection of at least one of the one or more respective scenic views; and transmitting, by the one or more processors, navigation directions to the user for at least one route of the one or more routes. Other embodiments are described.

Abstract: A method for predicting risk exposure includes receiving a particular set of data acquired via a sensor. The method for predicting risk exposure further can include analyzing, via a machine learning (ML) model, the particular set of data. The analyzing can include determining that the particular set of data represents a particular light exposure pattern corresponding to a light exposure pattern correlated with a risk pattern. The ML model can be trained with a first set of data and a second set of data to identify a correlation between the light exposure pattern and the risk pattern. The method for predicting risk exposure also can include predicting a risk exposure for a user based on the particular set of data. The method for predicting risk exposure also can include providing a notice indicating the risk exposure.

Abstract: A gate-based vehicle image capture system for analyzing vehicle image data is presented. The system may include a portable imaging gate apparatus configured to capture vehicle image data of a vehicle. The portable imaging gate apparatus may include a plurality of imaging assemblies positioned at a plurality of viewing angles. The system may further include an external processing server configured to receive the vehicle image data from the portable imaging gate apparatus. The external processing server may also analyze the vehicle image data to identify a plurality of vehicle features, and determine a first vehicle feature from the plurality of vehicle features. The first vehicle feature may be related to a vehicle incident. The system may also include a provider server configured to receive the first vehicle feature from the external processing server, and update an aspect of a risk evaluation based on the first vehicle feature.

Abstract: A system comprising one or more processors and one or more non-transitory computer-readable media storing computing instructions that cause the one or more processors to perform operations: receiving first real-world geolocation data, generating one or more first virtual encounters based at least in part upon the first real-world telematics data and the first real-world geolocation data; generating one or more second virtual encounters based at least in part upon the first real-world environmental data and the first real-world geolocation data; providing a first virtual map; providing a first virtual character associated with the first real-world user; and simulating the first virtual map and the first virtual character in a virtual game, simulating at least one of (i) the one or more first virtual encounters or (ii) the one or more second virtual encounters for the first virtual map and for the first virtual character. Other embodiments are described.

Abstract: A smart ring includes a housing configured to be worn by a user. The smart ring can further include a power source disposed within the housing. The smart ring also can include a charging circuit disposed within the housing. The charging circuit can include a harvesting element configured to charge the power source. The harvesting element can be configured to convert mechanical energy to electrical energy. The smart ring also can include a device at least partially disposed within the housing. The device can be configured to draw energy from the power source. Other embodiments are disclosed.

Abstract: A smart ring device includes a ring band having a plurality of surfaces. The plurality of surfaces can include an inner surface and an outer surface opposite to the inner surface. The inner surface can be configured to contact a user when the ring band is worn by the user. The smart ring device further can include a processor disposed within the ring band. The processor can be configured to determine an indication of one or more driving conditions. The smart ring device also can be communicatively coupled to the processor. The smart ring device also can be configured to receive an input from the user. The processor further can be configured to cause the smart ring device to provide, to the user of the smart ring device, an output including the indication of the one or more driving conditions. Other embodiments are disclosed.

Abstract: An apparatus including one or more cameras, a deposit region, one or more processors, and one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform certain operations. The operations include receiving image data of one or more items inserted into the deposit region by a user, the image data captured by the one or more cameras when the one or more items are in the deposit region. The operations also include classifying the one or more items as one or more types based at least on the image data. The operations additionally include determining a compensation offer based at least on the one or more types of the one or more items. The operations further include presenting the compensation offer to the user. The operations additionally include, when the user accepts the compensation offer, compensating the user according to the compensation offer.

Abstract: The present embodiments may relate to determining an actual driver of a vehicle based upon telematics data. For instance, a driver identification (DI) computing device may be configured to: (1) receive a first plurality of measurements captured at a first user device during a trip taken by a vehicle; (2) receive a second plurality of measurements captured at a second user device during the trip; (3) determine, based upon the measurements, that the user devices are within the vehicle during the trip; (4) calculate a respective enhanced geographic location measurement for each of the measurements based upon the measurements; (5) determine, based upon the enhanced geographic location measurements, a predicted position of the second user device relative to the first user device; and (6) identify, from among the user devices, a driver user device based upon the predicted position of the second user device relative to the first user device.

Abstract: Method, system, device, and non-transitory computer-readable medium for match evaluation. In some examples, a computer-implemented method includes: collecting a first set of operator data during a first time period prior to user acquisition; collecting a second set of operator data during a second time period after user acquisition; determining a first set of telematics inferences including an predicted profitability; determining a second set of telematics inferences including an actual profitability; determining and continually updating one or more match evaluations based at least in part upon one or more differences between the first set of telematics inferences and the second set of telematics inferences; and modifying the one or more predictive models based at least in part upon the one or more match evaluations.

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 a light emitting diode (LED) display disposed on at least one of the plurality of surfaces, and configured to present information indicative of the one or more driving conditions.

Abstract: A system comprising one or more processors and one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform operations: comparing, by an electronic device, at least one parameter of a set of telematics data associated with a vehicle and at least one additional parameter of an additional set of telematics data associated with one or more other vehicles within a threshold distance of the vehicle to determine a difference between the at least one parameter and the at least one additional parameter; and displaying, by the electronic device, the difference to the operator of the vehicle to notify the operator of the vehicle about the difference. Other embodiments are described.

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: Method and system for generating a hybrid epoch score and driver feedback for a user. In some examples, a computer-implemented method comprises: generating a first epoch score based at least in part upon first telematics data from a first epoch associated with the user; generating a second epoch score based at least in part upon second telematics data from a second epoch associated with the user; generating a third epoch score based at least in part upon the first epoch score and the second epoch score; generating a driver feedback based at least in part upon the third epoch score; and facilitating a presentation of the driver feedback to the user via a display.