Abstract: Method and system for generating virtual encounters.

Abstract: Method and system for training a virtual character of a telematics-based game. In some examples, a computer-implemented method includes: initiating a virtual trip including virtual occurrences to be encountered by the virtual character; receiving, in real-time, telematics data associated with the real trip; determining, based on the telematics data, one or more real obstacles encountered by the user during the real trip; determining, based on the telematics data, one or more performances indicative of how proficient the user operated the real vehicle upon encountering the one or more real obstacles; determining, based on the one or more performances, one or more skill points associated with a plurality of real skills; training the virtual character by at least updating, based on the plurality of skill points, the plurality of virtual ratings; updating, based on the updated plurality of virtual ratings, the one or more outcomes.

Abstract: Method and system for updating a character profile of a virtual character of a telematics-based game. In some examples, a computer-implemented method includes: generating a virtual trip including one or more virtual occurrences with the associated one or more outcomes; presenting a trip success prediction, a predicted change in vehicle condition, a first user-selectable command, and a second user-selectable command to the user; upon receiving the user's selection of the first user-selectable command, updating the character profile by at least initiating the virtual trip with the virtual character; upon receiving the user's selection of the second user-selectable command: updating the one or more outcomes according to a predetermined adjustment; and updating the character profile by at least initiating the virtual trip with the virtual character based on the updated one or more outcomes.

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

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 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: 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 of generating scenic routes and safe parking locations near scenic points are provided. Based at least in part upon a driver indication of a preference for a scenic route from an origin location to a destination location, a mobile device application may generate a scenic route by selecting route segments between the origin location and the destination location associated with a large number of scenic points. Scenic points may be identified based at least in part upon historical driver telemetry data and POI data. For instance, if historical telemetry data indicates that a large number of drivers stop briefly at a location not known to be near a POI, that location may be a scenic location (e.g., a location where drivers frequently leave their vehicles to take photos). Additionally, safe parking locations near each scenic point may be identified based at least in part upon historical vehicle damage data, and navigation directions to safe parking locations may be provided.

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: 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: 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 smart ring charging system comprises one or more permanent magnets and a smart ring. 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 an induction coil, and is configured to charge the power source when user motion changes magnetic flux from the one or more permanent magnets through the induction coil. 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 one or more of the following operations: 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, and iii) implement a user interface.

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 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: Method and system for providing carbon offsets. For example, the method includes collecting mindful driving data for one or more vehicle trips made by a user, analyzing the mindful driving data to determine a level of mindful driving of the user, determining a level of carbon offset reward based at least in part upon the level of mindful driving of the user, determining an amount of total carbon emission of the user, and providing an amount of carbon offset reward based at least in part upon the level of carbon offset reward and the amount of total carbon emission.

Abstract: The present disclosure is directed to apparatuses, systems and methods for automatically classifying digital images of occupants inside a vehicle. More particularly, the present disclosure is directed to apparatuses, systems and methods for automatically classifying digital images of occupants inside a vehicle by comparing current image data to previously classified image data.

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: A system serializing and deserializing models configured to (i) store a first model, wherein the first model includes a plurality of functionalities; (ii) generate a human-readable document based on the first model, wherein the human-readable document describes the first model; (iii) generate a second model based on the human-readable document, wherein the second model includes the plurality of functionalities; and (iv) perform at least one execution of the second model.

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.