Abstract: Method and system for providing vehicle insurance discounts. For example, the method includes receiving a first discount value determined by a user for an insurance policy of a vehicle, applying the first discount value to the insurance policy for a predetermined period of time, collecting driving data associated with trips made by the vehicle during the predetermined period of time, determining a driving behavior of the user based on analyzing the driving data, presenting to the user whether the driving behavior is indicative of the first discount value, analyzing the driving data to determine a second discount value for the insurance policy, and after the predetermined period of time, replacing the first discount value with the second discount value and applying the second discount value to the insurance policy.

Abstract: Method and system for granting in-game resources for a telematics-based game.

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: 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: 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: Method and system for providing vehicle insurance discounts. For example, the method includes presenting questions to a user, receiving first responses to the questions, determining a first discount value for an insurance policy of a vehicle based upon the first responses, presenting the first discount value, receiving second responses to the questions, determining a second discount value based upon the second responses, determining an initial discount value based at least in part upon the first discount value and the second discount value, applying the initial discount value to the insurance policy for a predetermined period of time, collecting driving data associated with trips made by the vehicle during the predetermined period of time, analyzing the driving data to determine a third discount value, and after the predetermined period of time, replacing the initial discount value with the third discount value and applying the third discount value to the insurance policy.

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 projector module 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 whether a user of a mobile device is a vehicle driver. For example, the method includes receiving telematics data and device interaction data generated by the mobile device during a vehicle trip, analyzing the telematics data and the device interaction data to determine driving instances in which the user interacts with the mobile device during the vehicle trip, determining whether the user of the mobile device is the driver of the vehicle during the vehicle trip based on the driving instances by using a classification technique, receiving positioning data associated with the mobile device within the vehicle during the vehicle trip, and validating the classification technique based on the positioning data and whether the user of the mobile device is determined to be the driver of the vehicle.

Abstract: Method and system for providing vehicle insurance discounts. For example, the method includes receiving a first discount value determined by a user for an insurance policy of a vehicle, generating statistical data associated with the first discount value, presenting the statistical data to the user, applying the first discount value to the insurance policy for a predetermined period of time, collecting driving data associated with trips made by the vehicle during the predetermined period of time, analyzing the driving data to determine a second discount value for the insurance policy, and after the predetermined period of time, replacing the first discount value with the second discount value and applying the second discount value to the insurance policy.

Abstract: A system and method for analyzing risk and providing risk mitigation instructions. The system receives analyzes sensor data and other data corresponding to a user to determine a test group. The system uses the test group to determine a risk score, and, subsequently, a risk mitigation strategy. Machine learning techniques are implemented to refine how the test group, risk score, and mitigation are each selected.

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 for displaying contextually-sensitive braking information on a surface of a vehicle is presented. The system may include a transceiver, one or more memories, an electronic display disposed on the surface, and one or more processors. The one or more processors may be configured to detect a braking event of the vehicle, wherein the braking event has an associated braking force. The one or more processors may compare the braking force to a predetermined threshold braking force to determine whether the braking force exceeds the threshold braking force. The one or more processors may further cause the electronic display to display a braking indication having an intensity that is proportional to the braking force, wherein the braking indication may include a braking rationale corresponding to the braking event in response to determining that the braking force exceeds the threshold braking force.

Abstract: A system and method captures various gestures or movements made by a driver of a vehicle while driving. Based on the captured gestures or movements, the system and method determines driver gesture behaviors which relate to the driver's driving behaviors. The system and method then performs risk assessment by correlating the driver gesture behaviors with potential recognizable losses involving the driver and/or vehicle. Based on the risk assessment, the system and method assigns ratings for the driver which may be used for insurance rating purposes.

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: A distracted driving analysis system for identifying distracted driving events is provided. The system includes a processor in communication with a memory device programmed to: (i) receive driving event records including phone usage by a user that occurred within a time period of a driving event, (ii) divide the driving event records into at least two clusters based at least in part upon common features of one or more driving event records of the plurality of driving event records by processing the driving event records using an unsupervised machine learning algorithm, (iii) generate a trained model based at least in part upon the at least two clusters including cluster labels, (iv) process a new driving event using the trained model, (v) assign the new driving event to one of the at least two clusters using the trained model, and (vi) based at least in part upon the cluster labels for the assigned cluster, determine whether the new driving event is an actual distracted driving event or a passenger event.

Abstract: Method and system for presenting in-game objectives in a virtual game. For example, the method includes determining first real-world driving characteristics based upon first real-world telematics data of a first real-world user, determining second real-world driving characteristics based upon second real-world telematics data of a second real-world user, generating a shared virtual map based upon the first real-world driving characteristics and the second real-world driving characteristics, generating a shared in-game objective based upon the shared virtual map, presenting the shared in-game objective to a first virtual character associated with the first real-world driving characteristics of the first real-world user and a second virtual character associated with the second real-world driving characteristics of the second real-world user, and allowing the first virtual character and the second virtual character to accomplish the shared in-game objective in the shared virtual map.

Abstract: Method and system for training a virtual character of a telematics-based game. In some examples, a computer-implemented method includes: determining, based at least in part upon telematics data, a plurality of skill points associated with a plurality of real skills exhibited by the user during the one or more real trips; training a virtual character by at least updating, based at least in part upon the plurality of skill points, the plurality of virtual ratings; generating, based at least in part upon the character profile, one or more virtual occurrences to be encountered by the virtual character; determining, based at least in part upon the updated plurality of virtual ratings, one or more outcomes associated with the one or more virtual occurrences; updating the character profile by at least applying the one or more virtual occurrences based on the associated one or more outcomes to the virtual character.

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: Method and system for determining a status of an application previously installed on a mobile device of a user are disclosed. For example, the method includes determining that an application has been installed on a mobile device of a user, determining whether the sensor data is received from the application at least once during a predetermined time interval, determining that the application does not work properly on the mobile device of the user in response to the sensor data being not received at least once during the predetermined time interval, and transmitting a notification to the mobile device indicating that the application does not work properly.

Abstract: Method and system for generating a hybrid epoch score for a user using edge-computing. In some examples, a computer-implemented method includes: retrieving, from at least one of an edge-computing device 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; collecting, using one or more sensors of the edge-computing 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, using the edge-computing device, a prior epoch score based at least in part upon the prior telematics data; generating, using the edge-computing device, a partial current epoch score based at least in part upon the recent telematics data; and generating, using the edge-computing device, a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score.