Abstract: A computer-implemented method for analyzing a vehicle trip is presented. The method may include obtaining a wireless communication address of a vehicle of an insured driver. One or more processors may determine whether the wireless communication address corresponds to one of one or more known vehicles associated with an insured driver. Responsive to determining that the wireless communication address corresponds to one of the one or more known vehicles associated with the insured driver, the one or more processors may collect a plurality of vehicle telematics data during the vehicle trip. The one or more processors may also analyze the plurality of vehicle telematics data to determine at least one driving behavior of the insured driver.

Abstract: A computer system for generating an insurance policy for a user includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.

Abstract: A system for analyzing the environment of a vehicle i) receives a plurality of data from at least one sensor associated with a vehicle, such that the plurality of data includes at least one environmental condition at a location; (ii) analyzes the plurality of data to determine the at least one environmental condition at the location; (iii) determines a condition of a building at the location based upon the at least one environmental condition; (iv) determines an insurance product for the building based upon the determined condition associated with the building; and (v) generates an insurance quote for the insurance product. As a result, the speed and accuracy of insurance providers learning about potential clients and the conditions of the potential client's property and needs is increased.

Abstract: Systems and methods for identifying a condition associated with an individual in a home environment are provided. Sensors associated with the home environment detect data, which is captured and analyzed by a local or remote processor to identify the condition. In some instances, the sensors are configured to capture data indicative of electricity use by devices associated with the home environment, including, e.g., which devices are using electricity, what date/time electricity is used by each device, how long each device uses electricity, and/or the power source for the electricity used by each device. The processor analyzes the captured data to identify any abnormalities or anomalies, and, based upon any identified abnormalities or anomalies, the processor determines a condition (e.g., a medical condition) associated with an individual in the home environment. The processor generates and transmits a notification indicating the condition associated with the individual to a caregiver of the individual.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: A method and system for improving damage assessment by automatic measurement of virtual objects within an augmented reality (AR) representation of a physical environment are disclosed. A user interacts with a mobile computing device to position and resize virtual objects within a virtual space corresponding to a physical environment, which is presented to the user as an AR environment generated by the mobile computing device. The virtual objects are positioned and sized to match damaged physical objects within the physical environment. The sizes of the physical objects are automatically determined using the virtual sizes of the virtual objects, which physical sizes are further used to determine the extent of damage.

Abstract: Described herein are techniques to facilitate vehicular incident reenactment using three-dimensional (3D) representations. The techniques include presenting an image including 3D representations of one vehicle and one non-vehicular object related to a vehicular incident. The operations further include providing a message that requests manipulation of the 3D representations to reenact the vehicular incident. The operations further include receiving input and generating a 3D reenactment of the vehicular incident that includes the 3D representations of the at least one vehicle and at least one non-vehicular object.

Abstract: Test cases written to test a software application can be dynamically distributed among different sets of test cases that can be executed simultaneously in different parallel threads, thereby speeding up testing relative to executing the test cases sequentially in a single thread. To avoid database conflicts that may occur when different test cases in different parallel threads attempt to access the same database simultaneously, testing of the software application can be performed in association with a record-locking database that locks database records individually instead of locking entire database tables or locking data structures that are larger than individual records. Locking individual database records can reduce and/or eliminate the chances that a test case in one parallel thread will be unable to access a record in the database because another test case in another parallel thread is simultaneously accessing the same database.

Abstract: Methods and systems for maintaining a distributed ledger and/or blockchain of transactions and/or events pertaining to autonomous vehicles and/or smart contracts are provided. One or more processors may monitor one or more sensors associated with an autonomous vehicle. Based upon the outputs of the sensors, a change in condition of the autonomous vehicle may be detected. The condition may relate to operation, or an operational state of the vehicle and/or a condition associated with a smart contract. The processors may generate a transaction describing the detected change in the condition of the vehicle. The transaction may be transmitted to an enforcement server. As a result, an up-to-date ledger of autonomous vehicle and/or smart contract transactions and/or events may be maintained.

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim such as sending data to a smart contract deployed on the shared ledger. The parties to the subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.

Abstract: A receipt capture tool residing on a customer mobile device may be initiated when a customer completes an in-store or online purchase. The receipt capture tool may prompt the customer to capture an image of a receipt detailing a purchase and an item (e.g., product or service) purchased. For instance, the photo of a physical receipt may be taken by the mobile device, or an electronic receipt or email detailing the purchasing transmitted from a physical merchant or online merchant server may be stored. Receipt information may be extracted and saved with other information pertinent to the item purchased, including warranty information. If the customer needs to return or repair the item purchased at a future date, the receipt and warranty information may be subsequently accessed via their mobile device. The receipt and warranty information may also be stored in a searchable database to facilitate easy retrieval by the customer.

Abstract: A computer system for automatically allocating periodic maintenance contributions to a maintenance savings account based upon vehicle telematics data includes a processor and a computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a vehicle, telematics data associated with a vehicle component; (ii) determining a replacement cycle associated with the vehicle component; (iii) determining a replacement cost of the vehicle component; (iv) calculating a plurality of periodic maintenance contributions to a maintenance savings account, the maintenance savings account associated with the vehicle owner and designated to receive the plurality of periodic maintenance contributions; and (v) automatically transferring the plurality of periodic maintenance contributions from a primary account associated with the user to the maintenance savings account.

Abstract: A sump pump system may detect and utilize motion or acceleration of water in sump basins when implementing control of sump pumps. To detect the motion or acceleration, the sump pump system may utilize a sensor that is configured to detect motion or acceleration, such as an accelerometer or gyroscope. The sump pump system may identify a water level in a sump basin based on the detected motion or acceleration, which may be compared to a reading or expected signal from the sump pump system's “typical” sensor (e.g., float switch) that is used to detect one or more water levels. In this manner, the sump pump system may detect a malfunctioning level sensor that is used by the pump to detect high-water and low-water marks at which the sump pump activates and deactivates, respectively.

Abstract: Techniques for collecting, synchronizing, and displaying various types of data relating to a road segment enable, via one or more local or remote processors, servers, transceivers, and/or sensors, (i) enhanced and contextualized analysis of vehicle events by way of synchronizing different data types, relating to a monitored road segment, collected via various different types of data sources; (ii) enhanced and contextualized analysis of filed insurance claims pertaining to a vehicle incident at a road segment; (iii) advantageous machine learning techniques for predicting a level of risk assumed for a given vehicle event or a given road segment; (iv) techniques for accounting for region-specific driver profiles when controlling autonomous vehicles; and/or (v) improved techniques for providing a GUI to display collected data in a meaningful and contextualized manner.

Abstract: A computer-implemented method for generating an indication of whether a vehicle crash has occurred is presented. It may be determined whether data output by a base sensor(s) of a mobile computing device indicates that a vehicle crash condition has occurred. An additional sensor(s) of the mobile computing device may begin outputting additional sensor data when the data output by the base sensor(s) indicates that the vehicle crash condition has occurred. The additional sensor(s) may be caused to output the additional sensor data for an amount of time after the additional sensor(s) begins outputting the additional sensor data. An indication of whether a crash of a vehicle has occurred may be generated based on the additional sensor data output by the additional sensor(s) for the amount of time after the additional sensor(s) begins outputting the additional sensor data.

Abstract: A method and system may use computer vision techniques and machine learning analysis to automatically identify a user's biometric characteristics. A user's client computing device may capture a video of the user. Feature data and movement data may be extracted from the video and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.

Abstract: The present embodiments may relate to secondary systems that verify potential fraud or the absence thereof. Artificial intelligence and/or chatbots may be employed to verify veracity of statements used in connection with insurance or loan applications, and/or insurance claims. For instance, a veracity analyzer (VA) computing device includes a processor in communication with a memory device, and may be configured to: (1) generate at least one model by analyzing a plurality of historical statements to identify a plurality of reference indicators correlating to inaccuracy of a historical statement; (2) receive a data stream corresponding to a current statement; (3) parse the data stream using the at least one model to identify at least one candidate indicator included in the current statement matching at least one of the plurality of reference indicators; and/or (4) flag, in response to identifying the at least one candidate indicator, the current statement as potentially false.

Abstract: Method and system for detecting vehicle occupant actions are disclosed. For example, the method includes receiving, by one or more processors, previously classified image data from a previously classified image database, the previously classified image data representing driver postures that are rotated and scaled to be standardized for a range of different drivers and different locations of a vehicle interior sensor within a given vehicle, wherein the previously classified image data is representative of previously classified vehicle occupant actions; receiving, by the one or more processors, current image data from the vehicle interior sensor subsequent to the vehicle interior sensor being registered within the given vehicle, wherein the current image data is representative of current vehicle occupant actions; and determining, by the one or more processors, a vehicle occupant action based at least in part upon a comparison of the current image data and the previously classified image data.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a home or other structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the home. Electrical activity may be correlated with respective electrical devices to build an electrical profile associated with the structure. In response to a claimed damage to the structure or to electric devices therein, some electrical activity may be compared to the electrical profile to determine whether the damage occurred voluntarily or involuntarily.

Abstract: Systems and methods for predictive data analytics are provided. A method comprises generating a guided user interface (GUI) that guides one or more user operations on the user interface including: obtaining, from a database, a dataset including a plurality of data objects; determining one or more characteristics associated with a first data object of the plurality of data objects; identifying a subset of the dataset based at least in part on the one or more characteristics; selecting at least one machine learning algorithm; and training a machine learning (ML) model with respect to the first data object using the subset of the dataset and the at least one machine learning algorithm to generate a trained ML model; implementing the trained ML model with respect to the first data object in a cloud server to enable distributing the trained ML model to a plurality of client device via a network.