Abstract: Method and system for evaluating vehicle insurance claims. For example, the method includes collecting pre-accident images of a vehicle before one or more accidents, collecting telematics data of the vehicle during the one or more accidents, determining predicted post-accident images of the vehicle based upon the pre-accident images and the telematics data after the one or more accidents, receiving submitted post-accident images for vehicle insurance claims associated with the vehicle, comparing the predicted post-accident images with the submitted post-accident images, and determining whether frauds have been committed in the vehicle insurance claims based upon the comparison of the predicted post-accident images with the submitted post-accident images.

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

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: 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: 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: A computer system for providing reimbursement controls to insurance policies is provided. The computer system may include a processor in communication with a memory device.

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 smart ring includes a body including flexible material, a first part, a second part removably connected to the first part, and at least one pair of break-away portions disposed within the body separate from the first part and the second part. One or more of a battery, a charging unit, a processor unit, a user input unit, a communication unit, a memory unit, at least one sensor unit, an output unit or a user input unit is disposed in or on one of the first part and the second part. Each of the break-away portions of the pair of break-away portions is removable from the other break-away portion upon movement of one break-away portion in a direction away from the other break-away portion.

Abstract: A computing system for generating a list of possessions associated with a user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to receive image data, analyze the image data to identify at least one possession, update a user profile to include the identified at least one possession, determine additional information is needed to accurately estimate a value associated with the at least one possession, generate and transmit an additional information prompt to a user computing device, receive, from the user computing device, the additional information, estimate, using the additional information, the value associated with the at least one possession, and update the user profile to include the estimated value associated with the at least one possession stored in association with the at least one possession.

Abstract: Method and system for providing renewing carbon offsets. For example, the method includes collecting driving data for vehicle trips made by a user, analyzing the driving data to determine a level of mindful driving, determining a level of carbon offset reward based upon the level of mindful driving, determining an amount of total carbon emission of the user, and providing an amount of carbon offset reward based upon the level of carbon offset reward and the amount of total carbon emission, where the amount of carbon offset reward includes a first amount for planting a first set of trees at a first time and a second amount for planting a second set of trees at a second time with the first time preceding the second time by a time duration that is shorter than or equal to the lifespan of each of the first set of trees.

Abstract: The described systems and methods determine a driver's fitness to safely operate a moving vehicle based at least in part upon observed stress patterns. A smart ring, wearable on a user's finger, continuously monitors user's physiological and behavioral parameters indicative of being under stress. This stress data, representing stress 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 stress patterns. The user can be warned of this risk to prevent them from driving or to encourage them to use an appropriate stress coping strategy before or during 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 being under stress.

Abstract: A system for validating automated vehicle data transmission capabilities of a vehicle is provided. The system includes a vehicle data transmission diagnostics (VDTD) server in communication with the vehicle and a plurality of roadside evaluation units. The VDTD server includes at least one processor and at least one memory device, and is programmed to: (i) determine that a data latency risk evaluation (DLRE) should be performed for the vehicle, (ii) transmit a DLRE request to the vehicle, (iii) receive, from the vehicle, a response to the transmitted DLRE request including trip data, the trip data including a selected route to be taken by the vehicle, (iv) interrogate the plurality of roadside evaluation units based upon the received trip data, and (v) select, based upon the interrogation, one of the plurality of roadside evaluation units to be a data latency evaluation checkpoint for the vehicle during the upcoming trip.

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: Systems and methods for authenticating users using a smart ring are disclosed. An exemplary method includes collecting contact data indicating a sequence of taps of the smart ring while a user is wearing the ring, a tap corresponding to contact between the ring and a component and the sequence of taps corresponding to a candidate pattern. The method further includes performing an authentication operation by (i) comparing the candidate pattern to an authentication pattern for a known user to determine whether the candidate pattern matches the authentication pattern and (ii) when the candidate pattern matches the authentication pattern, authenticating the user by updating a record to indicate the user has been identified and authenticated as the known user. In response to the record indicating that the user has been authenticated, the method includes, transmitting a signal to a second device controlling access to the resource, and receiving access to the resource.

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: Systems and methods for performing biometric authentication using a smart ring are disclosed. An exemplary method includes collecting biometric data using sensors of a smart ring while a user is wearing the smart ring, wherein the biometric data includes a heartbeat pattern. The method further includes performing an authentication operation by (i) comparing the collected biometric data to a biometric signature for a known user to determine whether the biometric data matches the biometric signature, and (ii) when the biometric data matches the biometric signature, authenticating the user by updating a record to indicate that the user has been identified and authenticated as the known user. The method also includes, when the record indicates that the user has been identified and authenticated, digitally signing transaction data using a private cryptographic key stored on a memory of the smart ring.

Abstract: Method, system, device, and non-transitory computer-readable medium for data management. In some examples, a computer-implemented method includes: collecting a plurality of personal data sets and a plurality of sensor data sets; for each vehicle operator of the plurality of vehicle operators: generating and continually updating an operator profile, one or more telematics inferences, a data profile; and listing and continually updating the data profile onto a telematics marketplace; receiving a plurality of conditional bids for a target operator profile associated with a target data profile, each conditional bid of the plurality of conditional bids including one or more conditional payments and one or more payment conditions; determining, for each conditional bid of the plurality of conditional bids, a predicted bid-generated profit or a predicted bid-generated revenue; determining a winning bid and an associated winning bidder; and transmitting the target operator profile to the winning bidder.