Abstract: The following relates generally to implementing a medical data non-fungible token (NFT). In some embodiments, one or more processors receive medical data of a plurality of users, and store the medical data of the plurality of users in a first storage location in a medical data database. The one or more processors may then detect a request to purchase a data feed for one or more types of medical data, and identify medical data corresponding to the request in the medical data database. The one or more processors may then store the identified medical data in a second storage location, and mint a medical data NFT that indicates the second storage location.

Abstract: The following relates generally to creating a backup of data and/or settings of a smart device. In some embodiments, one or more processors receive the data and/or settings of the smart device. The one or more processors may then mint a non-fungible token (NFT) that references a link to a data storage area. The data storage area may store: (i) an identification of the smart device, and/or (ii) the received data and/or settings of the smart device. The following also relates generally to providing a warranty of an item. In some embodiments, one or more processors detect an indication of a sale. The one or more processors may then mint a warranty non-fungible token (NFT) that: (a) is owned by the owner of the item, (b) identifies the item, and (c) identifies warranty information of the item.

Abstract: The following relates generally to creating a backup of data and/or settings of a smart device. In some embodiments, one or more processors receive the data and/or settings of the smart device. The one or more processors may then mint a non-fungible token (NFT) that references a link to a data storage area. The data storage area may store: (i) an identification of the smart device, and/or (ii) the received data and/or settings of the smart device. The following also relates generally to providing a warranty of an item. In some embodiments, one or more processors detect an indication of a sale. The one or more processors may then mint a warranty non-fungible token (NFT) that: (a) is owned by the owner of the item, (b) identifies the item, and (c) identifies warranty information of the item.

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: A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.

Abstract: The following relates generally to assisting with repair of a physical item. In some embodiments, one or more processors: receive an indication of an insurance claim including an indication of a physical item to be repaired; determine a set of potential repair options for the physical item to be repaired; build a virtual model of the physical item to be repaired; and present, in the virtual environment: (i) the set of potential repair options, (ii) the physical item to be repaired, and/or (iii) a repaired version of the physical item to be repaired.

Abstract: A method includes training artificial neural network models; analyzing first data to determine vehicle imperatives; and generating a respective action value by analyzing actions using the of trained artificial neural network models. A non-transitory computer readable medium containing program instructions that when executed, cause a computer system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models. A computing system includes: a processor; and a memory having stored thereon computer-executable instructions that, when executed by the one or more processors, cause the computing system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models.

Abstract: The following relates generally to updating an inventory of insured items. In some embodiments, one or more processors: identify a digital wallet of non-fungible tokens (NFTs) configured to store NFTs that correspond to insured items associated with an individual; detect a request to add a NFT corresponding to an insured item to the digital wallet; update the digital wallet to include the NFT; and display a virtual representation of the insured items of the NFTs of the digital wallet.

Abstract: The following relates generally to providing insurance for a non-fungible token (NFT). For example, an NFT may represent ownership of a digital asset, such as an image and/or video. However, NFTs are sometimes lost (e.g., due to hacking, data corruption, etc.), and it thus may be wise to purchase insurance for the NFT. As such, in some embodiments, one or more processors: receive a request to purchase insurance for an NFT; determine an insurance premium for the NFT; and send an insurance quote including the determined insurance premium.

Abstract: The following relates generally to assisting with replacement of a physical item. In some embodiments, one or more processors: receive an indication of an insurance claim including an indication of a physical item to be replaced; determine a set of potential replacement items for the physical item to be replaced; retrieve virtual data of the set of potential replacement items; and present, in a virtual environment, the set of potential replacement items to a user.

Abstract: The following relates generally to providing insurance for one or more virtual items in a virtual environment. In some embodiments, an insurance server receives a request for insurance for one or more virtual items from a customer. The insurance server then obtains information associated with the one or more virtual items from a virtual environment server, and determines an insurance premium based upon the received information. The following also relates generally to providing backups of virtual items. In some embodiments, a backup server creates backups of virtual items by writing data associated with the virtual item to a data store. The virtual items may be fungible or non-fungible. In some embodiments, the virtual items are periodically backed up.

Abstract: The following relates generally to providing insurance for one or more virtual items in a virtual environment. In some embodiments, an insurance server receives a request for insurance for one or more virtual items from a customer. The insurance server then obtains information associated with the one or more virtual items from a virtual environment server, and determines an insurance premium based upon the received information. The following also relates generally to providing backups of virtual items. In some embodiments, a backup server creates backups of virtual items by writing data associated with the virtual item to a data store. The virtual items may be fungible or non-fungible. In some embodiments, the virtual items are periodically backed up.

Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. For each driving behavior, a corresponding state of an environment of the rented vehicle when the driving behavior occurred is determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the corresponding state(s) of the environment of the rented vehicle.

Abstract: The following relates generally to providing a virtual insurance kiosk within a virtual environment. In some embodiments, an insurance server receives authentication credentials of a user device attempting to interact with the virtual insurance kiosk. The insurance server may authenticate the user device and establish a secure connection to the user device. The insurance server may then provide an insurance service to the user device. The following also relates generally to providing a secure virtual mall within a virtual environment. In some embodiments, a mall server receives authentication credentials from a user device and/or a vender server. The mall server may then authenticate the user to establish secure connection(s) to the user device and/or vender server. The mall server may process transactions between the user device and vender server, such as by underwriting insurance products related to the transactions.

Abstract: The following relates generally to providing a virtual insurance kiosk within a virtual environment. In some embodiments, an insurance server receives authentication credentials of a user device attempting to interact with the virtual insurance kiosk. The insurance server may authenticate the user device and establish a secure connection to the user device. The insurance server may then provide an insurance service to the user device. The following also relates generally to providing a secure virtual mall within a virtual environment. In some embodiments, a mall server receives authentication credentials from a user device and/or a vender server. The mall server may then authenticate the user to establish secure connection(s) to the user device and/or vender server. The mall server may process transactions between the user device and vender server, such as by underwriting insurance products related to the transactions.

Abstract: Embodiments described herein generate a first set of prompts, the first set of prompts configured to prompt a vehicle owner for a first set of answers used to learn preferred vehicle renter characteristics; receive the first set of answers; generate, based upon the first set of answers, a second set of prompts, the second set of prompts configured to prompt the owner for a second set of answers used to learn additional preferred vehicle renter characteristics; receive the second set of answers; predict user preference value(s) of a profile of the owner based upon the second set of answers, wherein the user preference value(s) define criteria for sharing a vehicle associated with the profile with vehicle renters who satisfy the criteria; apply the criteria to potential vehicle renters; and cause an indication of the vehicle to be displayed only to the potential vehicle renters who satisfy the criteria.

Abstract: Embodiments described herein, inter alia, receive telematics data collected over a period of time, wherein the telematics data is indicative of operation of a vehicle by a potential renter during the period of time; identify, upon analyzing the telematics data, driving behavior(s) of the renter during the period of time; determine, for each driving behavior, a corresponding state of an environment of the vehicle when the driving behavior occurred; determine renter eligibility value(s) for the renter based on the driving behavior(s) and the corresponding state of an environment of the vehicle; compare the renter eligibility value(s) to user preference value(s) of a profile of a vehicle owner, wherein the user preference value(s) define one or more criteria for vehicle renters with whom the vehicle can be shared; and cause an indication of the vehicle associated with the profile to be displayed only if the renter satisfies the criteria.

Abstract: A user analytics computing device for processing vehicle-based telematics data and generating user offerings responsive to the vehicle-based telematics data includes at least one processor in communication with a memory device. The processor is programmed to: (i) receive, from a vehicle computing device, telematics data associated with a plurality of trips taken by a first driver using a first vehicle, (ii) generate a driver profile of the first driver based at least in part upon the telematics data, (iii) access, from the memory device, contextual data associated with an environment in which the first vehicle travelled during the plurality of trips, (iv) synthesize the driver profile and the contextual data to generate a contextualized driver profile, (v) based upon the contextualized driver profile, generate a user offering to influence the driver profile, and (vi) transmit the user offering to a user computing device associated with the first driver.

Abstract: Described herein are methods and systems for generating and applying vehicle maintenance models to vehicle telematics data. A vehicle telematics analytics (VTA) computing device is configured to receive vehicle telematics data associated with operation of a subject vehicle, and apply the received vehicle telematics data to a vehicle maintenance model to determine whether the operation of the subject vehicle is better or worse than standard operation of like vehicles. The VTA computing device may adjust a maintenance cost and/or determine if a user of the vehicle is eligible for a reward based upon this determination. The VTA computing device is configured to transmit an itemized report to the user including the adjusted maintenance cost and/or the reward as well as one or more other vehicle costs.

Abstract: A method includes training artificial neural network models; analyzing first data to determine vehicle imperatives; and generating a respective action value by analyzing actions using the of trained artificial neural network models. A non-transitory computer readable medium containing program instructions that when executed, cause a computer system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models. A computing system includes: a processor; and a memory having stored thereon computer-executable instructions that, when executed by the one or more processors, cause the computing system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models.