Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, with the customer's permission, it may be detected by sensors that an occupant of the autonomous or semi-autonomous vehicle is experiencing a medical emergency. A nearby medical facility may be determined based upon the vehicle location and the detected medical emergency. A route from the current vehicle location to the medical facility may be determined, and the autonomous or semi-autonomous vehicle may be automatically directed or routed to the medical facility. A message may also be generated and transmitted to the medical facility to alert them that a person in need of timely medical assistance is on the way. Life and auto insurance discounts may be generated for risk averse customers based upon their vehicles having the emergency response functionality.

Abstract: Apparatuses, systems and methods are provided for detecting various actions of a vehicle operator. More particularly, apparatuses, systems and methods are provided for detecting various actions of a vehicle operator based on digital image data.

Abstract: A system for isolating signals from individual vehicles. An array of sensors generates a plurality of time records. The time records are transformed into spectrogram structures, and for each time-frequency point in the spectrogram structures, a bearing is calculated, to form a movement structure. A Hough transform is used to fit a movement model to the movement structure, to form a Hough transform structure. Peaks in the Hough transform structure correspond to vehicles and their position in the Hough transform structure correspond to motion parameters, such as the velocity of the vehicle, and the time of closest approach of the vehicle to the array of acoustic sensors. A model of the motion of a vehicle is then used to associate, with the vehicle, points (e.g., structure elements in the spectrogram structures) from the data.

Abstract: Apparatuses, systems and methods are provided for determining vehicle operator risk. More particularly, apparatuses, systems and methods are provided for determining degrees of vehicle operator risk. A degree of vehicle operator risk may be based on digital image data.

Abstract: Apparatuses, systems and methods are provided for generating data representative of vehicle operator distractions. More particularly, apparatuses, systems and methods are provided for generating data representative of vehicle operator distractions based on vehicle interior image data.

Abstract: Apparatuses, systems and methods are provided for determining vehicle driver distractions. More particularly, apparatuses, systems and methods are provided for determining distractions associated with vehicle driving routes based on postures of vehicle occupants.

Abstract: A computer-implemented method of enhancing safe vehicle operation may include, one or more processors, (1) determining a preferred parking spot for an autonomous or semi-autonomous vehicle; (2) determining a route to the preferred parking spot from a driver drop off point; and (3) causing the autonomous or semi-autonomous vehicle to travel from the driver drop off point to the preferred parking spot following the route controlled by one or more autonomous operation features. The preferred parking spot may be a covered parking spot, a parking spot in a parking structure, or a parking spot in a residential garage. An autonomous vehicle owner may remotely direct the autonomous vehicle to autonomously return to the driver drop off point, such as via their mobile device. Insurance discounts may be provided to autonomous vehicle owners having the self-parking functionality that mitigates or prevents risk of damage to, or theft of, the vehicle.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. In certain aspects, with the customer's permission, a computer-implemented method for updating an autonomous operation feature may be provided. An indication of a software update associated with the autonomous operation feature may be received, and several autonomous or semi-autonomous vehicles having the feature may be identified. The update may be installed within the several vehicles, such as via wireless communication. Also, a change in a risk level associated with the update to the autonomous operation feature may be determined, and an insurance discount may be determined or adjusted.

Abstract: A three dimensional (3D) client application for web browsing is described. The 3D client is able to interpret 3D structure definitions and display 3D environments associated with various sets of websites. Each 3D environment is defined using a set of connecting grids. Each connecting grid defines spatial relationships among sets of websites associated with zones of the connecting grid. Each zone includes a set of 3D structures and is associated with a set of surrounding zones. As a user moves throughout the 3D environment, additional zones may be included in the 3D environment while some zones may be removed such that the user experiences a continuous expansive environment. A user is able to interact with multiple sets of websites included within the set of surrounding zones.

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is in an emotionally impaired state (e.g., aggressive or agitated) and presenting appropriate stimuli (e.g., music or sound recordings) to the vehicle operator when impairment is detected. The vehicle operator, the environment surrounding the vehicle, or forces acting on the vehicle may be monitored using a variety of sensors, including optical sensors, accelerometers, or biometric sensors (e.g., skin conductivity, heart rate, or voice modulation). When the vehicle operator is determined to be in an emotionally impaired state, stimuli are selected to improve the emotional state of the vehicle operator. The selection is based on sensor data and data regarding prior responses of the vehicle operator to various stimuli. After selection, the stimuli are presented to the vehicle operator while monitoring continues.

Abstract: Apparatuses, systems and methods are provided for determining when a vehicle operator is texting while driving. More particularly, apparatuses, systems and methods are provided for determining when a vehicle operator is texting while driving based on digital image data.

Abstract: Apparatuses, systems and methods are provided for determining when a vehicle occupant is using a mobile telephone. More particularly, apparatuses, systems and methods are provided for determining when a vehicle occupant is using a mobile telephone based on digital image data.

Abstract: The method, system, and computer-readable medium cause the monitoring of a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired and causes a mitigating response when an impairment is determined to exist. The vehicle operator, the environment surrounding the vehicle, or forces acting on the vehicle may be monitored using a variety of sensors, including optical sensors, accelerometers, or biometric sensors (e.g., skin conductivity, heart rate, or voice modulation). When the vehicle operator is determined to be impaired, an alert or other mitigating response is implemented, based on the sensor data. In some embodiments, mitigating actions may be taken to avoid vehicle operator impairment. In further embodiments, a training period may be used to generate a profile for the vehicle operator. In yet further embodiments, information regarding multiple types of impairments may be used to determine and implement an appropriate mitigating response.

Abstract: Systems and methods for assessing vehicle operation are provided. According to certain aspects, an electronic device may receive and analyze image data depicting an individual located within a vehicle. The electronic device may also access and compile vehicle operation data and operator data corresponding to a state or condition of the vehicle operator. The electronic device may identify, from the vehicle operator data, a set of close misses experienced by the vehicle, correlate the set of close misses with a state or condition of the vehicle operator, and attribute at least some of the close misses to the vehicle operator. A remote server may aggregate and compile corresponding data from a plurality of vehicles.

Abstract: The present disclosure is directed to apparatuses, systems and methods for acquiring images of occupants inside a vehicle. More particularly, the present disclosure is directed to apparatuses, systems and methods for acquiring images of occupants inside a vehicle using a vehicle in-cabin device that automatically determines a location of the device inside the vehicle.

Abstract: Acoustic touch detection (touch sensing) system architectures and methods can be used to detect an object touching a surface. Position of an object touching a surface can be determined using time-of-flight (TOF) bounding box techniques, or acoustic image reconstruction techniques, for example. Acoustic touch sensing can utilize transducers, such as piezoelectric transducers, to transmit ultrasonic waves along a surface and/or through the thickness of an electronic device. Location of the object can be determined, for example, based on the amount of time elapsing between the transmission of the wave and the detection of the reflected wave. An object in contact with the surface can interact with the transmitted wave causing attenuation, redirection and/or reflection of at least a portion of the transmitted wave. Portions of the transmitted wave energy after interaction with the object can be measured to determine the touch location of the object on the surface of the device.

Abstract: A method and apparatus of processing communications with end users are disclosed. One example method may include detecting a message or post on a website over the Internet that matches a monitoring company's keywords or rules and processing the message by parsing the message and performing a natural language interpretation of the message and processing the parsed message to determine the user's topic of interest. In response, the method may further provide generating a response to the message based on the user's requested objective and sending the response to the user acknowledging the user's topic of interest. Live agents may be notified to check the status of a message and continually override automated message responses to ensure the integrity of the responses.

Abstract: A method and apparatus of processing caller experiences is disclosed. One example method may include determining a call event type occurring during a call and assigning a weight to the call event type via a processing device. The method may also include calculating a caller experience metric value representing a caller's current call status responsive to determining the at least one call event type, the caller experience metric being a function of the current event type weight and a discounting variable that discounts a value of past events. The method may also provide comparing the caller experience metric to a predefined threshold value and determining whether to perform at least one of transferring the call to a live agent and switching from a current caller modality to a different caller modality.

Abstract: A system, method, and computer readable medium that facilitate user authentication via voice biometrics in a network system featuring interactive voice response system access is provided. The voice biometric authentication mechanisms alleviate identity theft occurring via specific interactive voice response transactions. A voice biometrics authentication system interfaces with an interactive network platform and may be hosted by a third party provider of voice biometric technologies.