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: A computer system for assessing sound to analyze a user's sleep includes a processor configured to perform operations including: (i) storing sample sound data associated with a plurality of sample sleep events, the sample sound data including a plurality of sample characteristics each respectively associated with at least one sample sleep event of the plurality of sample sleep events; (ii) receiving, from a client device, subject sound data collected during a sleep interval; (iii) analyzing, using a machine learning algorithm, the subject sound data collected during the sleep interval; (iv) identifying, based upon the analyzing, a subject characteristic associated with the subject sound data; (v) comparing the subject characteristic with the plurality of sample characteristics; and (vi) determining, based upon the comparing, whether the subject characteristic substantially matches at least one sample characteristic to identify one or more subject sleep events occurring during the sleep interval.

Abstract: Method, system, device, and non-transitory computer-readable medium for adjusting a dynamic discount. In one aspect, a computer-implemented method includes: receiving an enrollment request from a user associated with a vehicle for a vehicle insurance policy; issuing an initial discount to the user for the vehicle insurance policy at a first time; collecting trip data associated with a set of vehicular trips operated by the user with the vehicle, the trip data including telematics data and travel condition data; and dynamically updating the initial discount based at least in part upon the trip data as trip data are collected.

Abstract: The described systems and methods determine a driver's fitness to safely operate a moving vehicle based at least in part upon observed impairment patterns. A smart ring, wearable on a user's finger, continuously monitors impairment levels. This impairment data, representing impairment 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 impairment patterns. The user can be warned of this risk to prevent them from driving or to encourage them to delay driving. In some instances, the disclosed smart ring system may interact with the user's vehicle to prevent it from starting while the user is in a state of impairment induced by substance intoxication.

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: 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 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 generating virtual encounters.

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 maps. 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 first real-world geolocation characteristics based upon first real-world geolocation data of the first real-world user, generating a first virtual map based upon the first real-world driving characteristics and the first real-world geolocation characteristics, presenting the first virtual map in a virtual game, determining second real-world driving characteristics based upon second real-world telematics data of a second real-world user, determining second real-world geolocation characteristics based upon second real-world geolocation data of the second real-world user, generating a second virtual map based upon the second real-world driving characteristics and the second real-world geolocation characteristics, and presenting the second virtual map in the virtual game.

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 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 computing system for generating a list of items predicted to be associated with a candidate user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to generate a predictive possession model, receive personal data associated with the candidate user, predict a first set of items owned by the candidate user, assign a value and a range of predesignated values for each item included in the first set of items, cause the first set of items and their corresponding values to be displayed on a user device of the candidate user, and prompt the candidate user to input confirmation data including one of a confirmation that the first set of items accurately describes a set of actual items possessed by the candidate user and a confirmation that the values corresponding to the first set of items are satisfactory.

Abstract: Method and system for determining a total amount of carbon emissions of an individual are disclosed. For example, the method includes collecting, by a computing device, one or more individual telematics data associated with a user during a predetermined time duration, generating, by the computing device, first lifestyle data indicative of one or more lifestyle activities engaged by the user based at least in part upon the one or more individual telematics data, and estimating, by the computing device, a total amount of carbon emissions associated with the user during the predetermined time duration based at least in part upon the first lifestyle data.

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: Method and system for generating tree imagery. For example, the method includes receiving an identification number associated with a tree, determining a first set of image rendering settings for generating an image of the tree based upon the identification number, receiving metadata associated with the tree, determining a second set of second image rendering settings for generating the image of the tree based upon the metadata, and generating the image of the tree based upon the first set of image rendering settings and the second set of image rendering settings.

Abstract: Method and system for reducing carbon emissions by recommending one or more alternative forms of transportation are disclosed. For example, the method includes collecting user data for a trip made by a user using a form of transportation between a first origination point and a first destination point, determining an amount of carbon emissions generated by the trip based upon the user data related to the form of transportation, determining one or more alternative forms of transportation between the first origination point and first destination point, determining a composite score associated with each alternative form of transportation, the composite score representing a likelihood of acceptance of the respective alternative form of transportation by the user, and selecting a recommended alternative form of transportation from the one or more alternative forms of transportation based at least in part on the composite score associated with each alternative form of transportation.

Abstract: Method and system for providing renewing carbon offsets for a driving period of a user. For example, the method includes collecting driving data for vehicle trips made by the 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 the driving period of the user, determining an amount of total carbon emission of the user for the driving period, 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 second time following the first time by one or more years.

Abstract: Method and system for determining a historical amount of carbon emissions produced by a vehicle of a driver are disclosed. For example, the method includes receiving, by the computing device, a vehicle information including a number of miles that the driver has driven the vehicle during a first time duration, collecting, by the computing device, telematics data for one or more trips made by the driver with the vehicle during a second time duration, and determining, by the computing device, the historical amount of carbon emissions produced by the vehicle during the first time duration based at least in part upon the number of miles during the first time duration and the telematics data during the second time duration.

Abstract: Method and system for validating planting of trees. For example, the method includes receiving a first image depicting a tree, receiving a second image depicting an environment where the tree is to be planted, receiving a third image depicting the tree having been planted in the environment, selecting and encoding a first patch of the first image that depicts the tree, selecting and encoding a second patch of the second image that depicts the environment, selecting and encoding a third patch of the third image that depicts both the tree and the environment, and comparing the encoded patches to determine whether the tree has been planted in the environment.