Abstract: Method and system for offering carbon offset rewards corresponding to users. For example, the method includes detecting actions attributable to a user, determining a level of mindful driving and additional characteristics of the user based upon the attributable actions, determining the user's quality based upon the level of mindful driving and additional characteristics, determining a level of carbon offset reward based upon the user's quality, and offering an amount of carbon offset reward to the user based upon the level of carbon offset reward, 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: Method and system for generating a personalized landing page for a user are disclosed. For example, the method includes receiving, by a computing device, one or more user data associated with the user, the one or more user data including one or more telematics data of the user, determining, by the computing device, one or more user interface features based at least in part upon the one or more user data, and generating, by the computing device, a personalized landing page customized for the user using the one or more user interface features to increase an effectiveness of the personalized landing page.

Abstract: Method and system for providing carbon offset sources. For example, the method includes determining an amount of total carbon emission of a user, receiving a desired percentage of carbon offset, determining a total number of carbon offset units corresponding to a predetermined carbon offset source, providing multiple carbon offset sources, receiving a respective number of carbon offset units corresponding to the predetermined carbon offset source for each of the multiple carbon offset sources, determining a respective cost for each of the multiple carbon offset sources, and providing a total amount of cost based upon the respective cost for each of the multiple carbon offset sources, where a total of the respective number of carbon offset units is equal to the total number of carbon offset units.

Abstract: A computer system for evaluating the communication performance of an autonomous vehicle is provided. The vehicle may have a vehicle controller including at least one processor in communication with at least one memory device. The processor may be programmed to receive, from a standard data transmission location network device, an evaluation data packet. The processor may be programmed to decode the evaluation data packet and initiate a diagnostic test of the vehicle based upon the decoded evaluation data packet. The processor may also be programmed to record measurements of the vehicle during the diagnostic test, and transmit the measurements to the standard data transmission location network device.

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 an electronic ink (e-ink) 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: 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: A method and system is provided for identifying local businesses visited by a user. Location and movement data for a user is analyzed to identify points of interest (POIs) visited by a user, and POIs which were not visited while the user travelled to the visited POIs. The POIs are categorized as corresponding to local businesses or national/global businesses, and local business metrics are generated according to frequencies in which the user visits local businesses and/or passes over national/global businesses in favor of local businesses. Then the local business metrics are presented on the user's client computing device along with a heat map indicating frequencies in which the user visited businesses within a geographic area, and/or a cool map indicating frequencies in which the user passed by businesses within the geographic area.

Abstract: A computing system including a processor in communication with a memory device for generating a predicted one or more values of personal property items associated with a candidate user enrolling in an insurance policy may be provided.

Abstract: A computer system for determining personalized loss event valuations is provided. The computer system includes one processor in communication with at least one memory device, and the at least one processor is programmed to: (i) receive user data from the user computer device, wherein the user data include data related to a user's personal information and personal property, (ii) utilize a trained machine learning model to determine a first loss valuation associated with a first loss event based at least in part upon the user data, (iii) utilize the trained machine learning model to determine a second loss valuation associated with a second loss event based at least in part upon the user data, wherein the first loss event and the second loss event are different loss events, and/or (iv) generate a loss event policy that includes the first loss valuation and the second loss valuation.

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: 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: An electronic device for providing incentive-based messages on a surface of a vehicle is presented. The device comprises a transceiver; one or more memories; and one or more processors interfacing with the transceiver, the one or more memories, and the electronic display. The one or more processors is configured to obtain a set of vehicle profile data corresponding to the vehicle, and determine a set of user devices configured to receive a notification corresponding to an incentive-based message. The processors also determine an incentive-based message based at least in part upon the vehicle profile data and the set of user devices, and transmit the incentive-based message to the vehicle and the notification to the set of user devices. The processors also cause an electronic display disposed on the surface to display the incentive-based message for viewing by a set of individuals associated with the set of user devices.

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: 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 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, each driving event record including phone usage by a user, wherein a driving event record is labeled as an actual distracted driving event or a passenger event, (ii) divide the driving event records into at least two clusters based at least in part upon common features and the labels of each driving event record by processing the plurality of driving event records with a semi-supervised machine learning algorithm, (iii) generate a trained model based at least in part upon the at least two clusters, (iv) process a new driving event using the trained model, (v) assign the new driving event to one of the clusters using the trained model, and/or (vi) determine whether the new driving event is an actual distracted driving event or a passenger event.

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: 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 light emitting diode (LED) 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: 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: 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: Method and system for generating virtual encounters.