Abstract: A system including 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: analyzing telematics data and device interaction data to determine vehicle driving instances in which a user interacts with a mobile device during a vehicle trip for a vehicle; and the device interaction data is generated when the user interacts with the mobile device during the vehicle trip for the vehicle; receiving positioning data associated with one or more positions of the mobile device within the vehicle during the vehicle trip for the vehicle; and identifying whether the user interacting with the mobile device is a driver of the vehicle based at least in part upon the positioning data and the vehicle driving instances. Other embodiments are disclosed.

Abstract: A smart ring includes a body. The body includes a first part including at least a part of a sensor unit. The body also can include a second part including at least a part of an output unit and removably connected to the first part of the body. The body can further include a first pair of removable portions. The first pair of removable portions can include a first removable portion connected to the first part of the body. The first pair of removable portions also can include a second removable portion connected to the second part of the body. The first removable portion can be removable from the body. The second removable portion can be removable from the body. Other embodiments are disclosed.

Abstract: A computer-implemented method can include receiving personal data associated with a user. The method also can include predicting, by a trained predictive possession model, a set of items owned by the user based at least in part upon the personal data associated with the user. The trained predictive possession model is configured to extract data associated with the set of items from the personal data. The method additionally can include assigning, by the trained predictive possession model, a predicted value for each item of the set of items. The method further can include causing information indicative of an item of the set of items and the predicted value for the item to be displayed on a user device of the user. The method additionally can include receiving an adjusted value for the item in the set of items. The method further can include causing the trained predictive possession model to be updated based on the adjusted value for the item. Other embodiments are described.

Abstract: The described systems and methods determine a driver's fitness to safely operate a moving vehicle based at least in part upon observed UVB exposure patterns, where the driver's UVB exposure levels may serve as a proxy for vitamin D levels in that driver's body. A smart ring, wearable on a user's finger, continuously monitors user's exposure to UVB light. This UVB exposure data, representing UVB exposure patterns, can be utilized, in combination with driving data, to train a machine learning model, which will predict the user's level of risk exposure based at least in part upon observed UVB exposure patterns. The user can be warned of this risk to prevent them from driving or to encourage them to get more sunlight exposure before driving. In some instances, the disclosed smart ring system may interact with the user's vehicle to prevent it from starting while exposed to high risk due to deteriorated psychological or physiological conditions stemming from insufficient UVB exposure.

Abstract: Systems and methods for performing multi-factor authentication using a smart ring are disclosed. An exemplary method includes performing a first authentication operation by: collecting, by sensors, gestural data representing a candidate gesture corresponding to ring movement; comparing the candidate gesture to an authentication gesture for a known user; when the candidate gesture matches the authentication gesture, generating a first signal indicating that a particular user has been identified and authenticated as the known user; and transmitting the first signal to a second device, wherein the second device controls access to a resource. The method also includes performing a second authentication operation by detecting contact between the ring and an external component; and generating and transmitting a second signal in response to detecting the contact, and when the second device receives the first and the second signals, causing the second device to grant the particular user access to the resource.

Abstract: Method and system for generating a hazard alert. In some examples, a computer-implemented method includes: receiving prior telematics data indicative of the operation of a vehicle by a user during one or more prior trips in a prior epoch; receiving recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch; generating a prior epoch score based at least in part upon the prior telematics data; generating a partial current epoch score based at least in part upon the recent telematics data; generating a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score; identifying, based at least in part upon the hybrid current epoch score, one or more behavioral changes of the first group user at one or more locations.

Abstract: Method and system for determining which household members should be included as additional drivers. For example, the method includes receiving individual and household data associated with a first user, determining first characteristics of the first user, retrieving individual and household data associated with second users possessing second characteristics, selecting one or more of the second users to be included as third users based on comparing the second characteristics of the second users to the first characteristics of the first user, retrieving insurance data of the third users, using a machine learning model to determine probabilities that members of the first user's household should be included as additional drivers based on the insurance data of the third users, generating an insurance quote on a vehicle associated with the first user based on the probabilities, and displaying the insurance quote.

Abstract: The present embodiments may relate to generating dynamic transit routes based at least in part upon telematics data of users. For instance, a transit analysis (TA) computing device may be configured to: (1) receive telematics data from the plurality of user mobile devices, each user mobile device of the plurality of user mobile devices corresponding to one user identifier of a plurality of user identifiers; (2) build, for each user identifier of the plurality of user identifiers, a transit model; (3) generate, for each user identifier of the plurality of user identifiers, based at least in part upon the transit model associated with the user identifier, one or more transit predictions; and/or (4) generate, based at least in part upon the one or more transit predictions, for each user identifier of the plurality of user identifiers, a dynamic transit route.

Abstract: Method, system, device, and non-transitory computer-readable medium for predicting trip data. In one aspect, a computer-implemented method includes: obtaining a first set of trip data associated with a first set of vehicular trips operated by a vehicle operator during a first time period, the first set of trip data including a first set of telematics data and a first set of travel conditions; obtaining a second set of travel conditions associated with a second set of vehicular trips associated with a second time period separate from the first time period; and determining a second set of telematics data associated with a target vehicular trip based at least in part upon the first set of telematics data, the first set of travel conditions, and the second set of travel conditions.

Abstract: A smart ring is configured harvest mechanical energy using piezoelectricity. The smart ring includes a ring-shaped housing, a power source disposed within the ring-shaped housing, and a charging circuit. The charging circuit includes a piezoelectric harvesting element, and is configured to charge the power source when user motion causes a mechanical deformation in the piezoelectric harvesting element. The smart ring further includes a component, disposed within the ring-shaped housing and configured to draw energy from the power source, and further configured to perform at least one of: i) sense a physical phenomenon external to the ring-shaped housing, ii) send communication signals to a communication device external to the ring-shaped housing, or iii) implement a user interface.

Abstract: A system for communicating 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 is representative of information indicative of one or more driving conditions to be communicated to the driver. The smart ring also includes a haptic module disposed at least partially within the ring band, and the module being configured to communicate information indicative of the one or more driving conditions.

Abstract: Method and system for generating virtual encounters.

Abstract: Method and system for generating a hybrid epoch score and driver feedback for a user. In some examples, a computer-implemented method includes: receiving prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch; receiving recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch; generating a prior epoch score based at least in part upon the prior telematics data; generating a partial current epoch score based at least in part upon the recent telematics data; generating a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score; generating a driver feedback based at least in part upon the hybrid current epoch score; and presenting the driver feedback to the user via a display.

Abstract: A smart ring charging system comprises a charging source integrated into an object, the object configured to be held by a user wearing a smart ring. The smart ring may include a ring-shaped housing and a power source disposed within or at the ring-shaped housing and configured to receive energy from the charging source while the user is wearing the smart ring and holding the object. A controller may be disposed within or at the ring-shaped housing, or at the object with the charger and configured to estimate a charging rate at which the power source receives the energy from the charging source. The system may further include one or more indicators configured to indicate the charging rate.

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 for a user. In some examples, a computer-implemented method includes: receiving, from at least one of a mobile device associated with the user and a server, prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch; receiving, from the mobile device, recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch; generating a prior epoch score based at least in part upon the prior telematics data; generating a partial current epoch score based at least in part upon the recent telematics data; and generating a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score.

Abstract: Method and system for generating virtual experiences. For example, the method includes receiving first real-world telematics data associated with a first real-world user, determining first real-world driving characteristics based upon the first real-world telematics data, generating first virtual experiences based upon the first real-world driving characteristics, presenting the first virtual experiences in a virtual game, receiving second real-world telematics data associated with a second real-world user, determining second real-world driving characteristics based upon the second real-world telematics data, generating second virtual experiences based upon the second real-world driving characteristics, and presenting the second virtual experiences in the virtual game, where the first virtual experiences are different from the second virtual experiences.

Abstract: A smart ring charging system comprises a charging source integrated into an object, the object configured to be held by a user wearing a smart ring. The smart ring may include a ring-shaped housing and a power source disposed within or at the ring-shaped housing and configured to receive energy from the charging source while the user is wearing the smart ring and holding the object. A controller may be disposed within or at the ring-shaped housing, or at the object with the charger and configured to estimate a charging rate at which the power source receives the energy from the charging source. The system may further include one or more indicators configured to indicate the charging rate.

Abstract: A distracted driving analysis system for identifying distracted driving events is provided. The system includes a processor in communication with a memory device, and the processor is programmed to: (i) receive labeled training data, the labeled training data including driving event records (a) each labeled as an actual distracted driving event or a passenger event and (b) including phone usage by a user that occurred within a time period of a driving event, (ii) identify common features of the actual distracted driving events and the passenger events by processing the training data using a supervised machine learning algorithm, (iii) generate a trained model based at least in part upon the identified common features, (iv) process a new driving event, (v) assign the new driving event based at least in part upon features of the new driving event, and/or (vi) determine whether the new driving event is an actual distracted driving event or a passenger event.

Abstract: Method and system for generating a hybrid epoch score for a user. In some examples, a computer-implemented method includes: receiving, from at least one of a mobile device associated with the user and a server, prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch; receiving, from the mobile device, recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch; generating a prior epoch score based at least in part upon the prior telematics data; generating a partial current epoch score based at least in part upon the recent telematics data; and generating a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score.