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: Method and system for validating a plurality of policies. For example, a computer-implemented method includes receiving a plurality of policies, each policy of the plurality of policies associated with a policy lifecycle including one or more validation actions, each validation action of the one or more validation actions being associated with an action time; mapping the one or more validation actions associated with each policy of the plurality of policies on a common timeline of a shared clock; and determining the plurality of validation times based at least in part upon the action time associated with each validation action of the one or more validation actions by at least one of: minimizing the amount of validation times of the plurality of validation times; and maximizing the amount of validation actions contained within each validation time of the plurality of validation times on average across the plurality of validation threads.

Abstract: A method and system is provided for identifying local businesses visited by a user. Location and movement data for a user is analyzed to identify points of interest (POIs) visited by a user, and POIs which were not visited while the user travelled to the visited POIs. The POIs are categorized as corresponding to local businesses or national/global businesses, and local business metrics are generated according to frequencies in which the user visits local businesses and/or passes over national/global businesses in favor of local businesses. Then the local business metrics are presented on the user's client computing device along with a heat map indicating frequencies in which the user visited businesses within a geographic area, and/or a cool map indicating frequencies in which the user passed by businesses within the geographic area.

Abstract: A computer-implemented method for improving compression of predictive models includes generating an unlabeled simulated data set by expanding an initial data set, and generating a labeled data set by predicting the unlabeled, simulated data set using a complex model to output a plurality of labels. The method also includes training a relatively simple neural network using the labeled data set.

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 video analytics based image verification system for obtaining initial vehicle profiles is presented. The system may include an external processing server that receives a location of a vehicle and proximate traffic information to determine whether it is safe for a user to obtain an initial vehicle profile. The external processing server may further determine first and second profile features from video data indicative of the vehicle. The external processing server may compare the second profile feature to an image verification indicator to generate an image verification score. A provider server may receive the first profile feature and the image verification score from the external processing server, and update a risk evaluation to include the initial vehicle profile if the image verification score is above an image verification threshold.

Abstract: Systems and methods of generating scenic routes and safe parking locations near scenic points are provided. Based at least in part upon a driver indication of a preference for a scenic route from an origin location to a destination location, a mobile device application may generate a scenic route by selecting route segments between the origin location and the destination location associated with a large number of scenic points. Scenic points may be identified based at least in part upon historical driver telemetry data and POI data. For instance, if historical telemetry data indicates that a large number of drivers stop briefly at a location not known to be near a POI, that location may be a scenic location (e.g., a location where drivers frequently leave their vehicles to take photos). Additionally, safe parking locations near each scenic point may be identified based at least in part upon historical vehicle damage data, and navigation directions to safe parking locations may be provided.

Abstract: Method and system for determining a status of a mobile device of a user are disclosed. For example, the method includes receiving first sensor data at a first time from an application installed on a mobile device of a user, determining a first location of the mobile device, immediately subsequent to receiving the first sensor data at the first time, receiving second sensor data at a second time from the application, the second time following the first time by a time interval, determining a second location of the mobile device, determining a distance between the first location and the second location, determining whether the distance corresponding to the time interval exceeds a predetermined threshold, and determining whether a trip log indicative of at least one trip during the time interval is received from the application.

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 device for facilitating event processing is presented. The device includes a transceiver, one or more memories including an event processing model, and one or more processors. The processors retrieve a new event from an application programming interface (API). The processors then parse the new event to determine a parsed event and store the parsed event in the memories. After determining the presence or absence of an additional new event via the API, the processors transmit a notification for display to a user indicating the parsed event and prompting a user to process the parsed event, resulting in either a successful or a failure processing signal. Responsive to receiving a failure processing signal, the processors schedule a subsequent notification for transmission to the user device according to an event processing model by using an exponential back-off and a random jitter.

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 system serializing and deserializing models configured to (i) store a first model, wherein the first model includes a plurality of functionalities; (ii) generate a human-readable document based on the first model, wherein the human-readable document describes the first model; (iii) generate a second model based on the human-readable document, wherein the second model includes the plurality of functionalities; and (iv) perform at least one execution of the second model.

Abstract: A method and system is provided for providing local business-based recommendations or search results to visitors. In response to a request for a digital map of a geographic area, the system determines whether a user is familiar with the geographic area based on the user's location history. In response to determining that the user is unfamiliar with the geographic area and therefore is a visitor of the geographic area, the system provides recommendations, suggestions, or search results to the user which includes local businesses which are of interest to the user. The local businesses may include local businesses which are related to a geographic search query provided by the user, or may include local businesses recommended by the system according to the time of day, time of year, events within the geographic area such as events stored in the user's virtual calendar, reviews of the local businesses, etc.

Abstract: Method and system for verifying a reliability of sensor data received from a mobile device of a user are disclosed. For example, the method includes receiving first sensor data collected and/or generated by one or more sensors of the mobile device from an application installed on a mobile device of a user at a first time, receiving second sensor data collected and/or generated by the one or more sensors of the mobile device from the application at a second time, determining whether the mobile device is in a vehicle that the user is driving during a time interval based at least upon the first sensor data and the second sensor data, and in response to the mobile device not being in the vehicle that the user is driving during the time interval, transmitting a notification to the mobile device indicating that the application does not work properly.

Abstract: A telematics data marketplace (TDM) computing device including a processor in communication with a memory device is provided. The processor may be configured to: (i) receive registration data from a provider, wherein the registration data includes desired user data sets and an associated purchase price, (ii) retrieve, from the memory device, user data associated with a plurality of users, wherein the user data includes at least telematics data, (iii) match the provider to one or more users of the plurality of users based upon the user data associated with the users matching the desired user data sets of the provider, (iv) prompt the matched users to allow the provider access to the user data for the purchase price, (v) transmit the user data of the matched users to the provider, and (vi) provide the matched users with a reward corresponding to the purchase price of the desired user data set.

Abstract: A design solution for classifying users as potential drivers traveling in a vehicle based upon a combination of real-time data gathered during a shared trip and historical data. Data gathered include overlapping time and distance of users to be classified as potential drivers. Shared trip scenarios include two or more users share a complete trip from beginning to end; two or more users share the beginning of a trip where at least one user is dropped off and the other user continues driving; two or more users share the end of a trip where at least one user is picked up during the shared trip; and one user picks up another user during a trip to thereby create a shared trip and drop off the other user to a different location before heading to a final location.

Abstract: Systems and methods for generating and communicating challenges that are intended to improve driving behavior are provided. According to certain aspects, a backend server may receive vehicle data describing the vehicle's operation or the vehicle operator from sensors or an electronic device. The backend server may compare target parameters and the vehicle data and, optionally, data from an external information source, to determine differences and calculate risk. The backend server may transmit challenges to the electronic device, and may generate a comparison factor and process an account of a the vehicle operator based on updated vehicle data received from the electronic device.

Abstract: Systems and methods of utilizing badging for driver risk assessment are provided. Vehicle telematics data (e.g., speed data, acceleration data, braking data, cornering data, following distance data, turn signal data, seatbelt use data) associated with a vehicle operator may be analyzed. Based on the analysis, a trend of safe operation of the vehicle may be identified (e.g., based on a number of vehicle trips and/or a number of consecutive vehicle trips in which the vehicle telematics data indicates safe operation of the vehicle, a frequency of vehicle trips in which the vehicle telematics data indicates safe operation of the vehicle, a comparison to other drivers, etc.) A digital certificate indicating the trend of safe operation of the vehicle may be associated with the vehicle operator. In response to a third-party query regarding the vehicle operator, the digital certificate associated with the vehicle operator may be displayed to the third party.

Abstract: Method and system for validating a plurality of policies. For example, a computer-implemented method includes receiving a plurality of policies, each policy of the plurality of policies associated with a policy lifecycle including one or more validation actions, each validation action of the one or more validation actions being associated with an action time; mapping the one or more validation actions associated with each policy of the plurality of policies on a common timeline of a shared clock; and determining the plurality of validation times based at least in part upon the action time associated with each validation action of the one or more validation actions by at least one of: minimizing the amount of validation times of the plurality of validation times; and maximizing the amount of validation actions contained within each validation time of the plurality of validation times on average across the plurality of validation threads.

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.