Abstract: Method and system for detecting potential fraudulent activities in vehicle insurance claims. For example, the method includes receiving, from a mobile computing device, a claim request comprising claims data, receiving, from the mobile computing device, a digital file comprising first images of a vehicle involved in an accident supporting the claim request, extracting metadata from the first images, comparing the metadata with the claims data, generating an assessment of the claim request based at least in part upon the comparing, and displaying the assessment of the claim request via a user interface.

Abstract: A video analytics based image verification system for obtaining initial vehicle profiles is presented. The system may include an external processing server that receives a location of a vehicle and proximate traffic information to determine whether it is safe for a user to obtain an initial vehicle profile. The external processing server may further determine first and second profile features from video data indicative of the vehicle. The external processing server may compare the second profile feature to an image verification indicator to generate an image verification score. A provider server may receive the first profile feature and the image verification score from the external processing server, and update a risk evaluation to include the initial vehicle profile if the image verification score is above an image verification threshold.

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: Systems and methods of automatically controlling a user's data footprint are provided. Data associated with a user may be analyzed to determine an action the user is preparing to take. Based on the analysis, a potential risk associated with the action the user is preparing to take may be identified. The potential risk associated with the action the user is preparing to take may be, for example, a data security risk, a data privacy risk, a physical risk, a risk of damage to property, and/or a financial risk. A notification indicating the potential risk associated with the action the user is preparing to take may be provided to the user. The notification may include one or more suggestions for mitigating the potential risk associated with the action the user is preparing to take.

Abstract: A video analytics based image verification system for obtaining initial vehicle profiles is presented. The system may include an external processing server that receives a location of a vehicle and proximate traffic information to determine whether it is safe for a user to obtain an initial vehicle profile. The external processing server may further determine first and second profile features from video data indicative of the vehicle. The external processing server may compare the second profile feature to an image verification indicator to generate an image verification score. A provider server may receive the first profile feature and the image verification score from the external processing server, and update a risk evaluation to include the initial vehicle profile if the image verification score is above an image verification threshold.

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 analyzing documentation for assessing potential fraudulent user submissions are provided. According to certain aspects, a server computer may receive an initial set of documentation descriptive of damage to a property asset, and may analyze the initial set of documentation to determine whether additional documentation is needed. The server computer may initiate a communication channel with a user device via which the additional documentation may be submitted, and the server computer may similarly analyze the additional documentation to determine a likelihood of fraud. The server computer may process the user submission accordingly.

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 distributed ledger operated by a group of network participants according to a set of consensus rules stores vehicle condition data and generated vehicle condition reports. The vehicle condition data may be received directly from a vehicle or an associated mobile device and the vehicle condition report may be accessed by an authorized user.

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: Systems and methods for analyzing documentation for assessing potential fraudulent user submissions are provided. According to certain aspects, a server computer may receive an initial set of documentation descriptive of damage to a property asset, and may analyze the initial set of documentation to determine whether additional documentation is needed. The server computer may initiate a communication channel with a user device via which the additional documentation may be submitted, and the server computer may similarly analyze the additional documentation to determine a likelihood of fraud. The server computer may process the user submission accordingly.

Abstract: Systems and methods for facilitating virtual operation of a virtual vehicle within a virtual environment are disclosed. According to aspects, a computing device may access a data model indicative of real-life operation of a real-life vehicle by a real-life operator and, based on the data model, generate a set of virtual vehicle movements that are reflective of a performance of the real-life operation of the real-life vehicle by the real-life operator. The computing device may display, in a user interface, the virtual vehicle undertaking the set of virtual vehicle movements such that the real-life operator may review the virtual movements and potentially be motivated to improve his/her real-life vehicle operation.

Abstract: Systems and methods for reducing vehicle collisions based on driver risk groups are provided. A plurality of vehicle operators may be classified into a driver risk group based on one or more attributes (e.g., location, workplace, school, demographic, hobby, interest, etc.) shared by the plurality of vehicle operators. Vehicle sensor data (e.g., speed data, acceleration data, braking data, cornering data, following distance data, turn signal data, seatbelt use data, etc.) associated with each of the plurality of vehicle operators of the driver risk group may be analyzed. Based on the analysis of the vehicle sensor data, one or more indicia of safe driving behavior associated with the driver risk group may be identified. In response to a third-party query regarding a vehicle operator in the driver risk group, an indication of the safe driving behavior associated with the driver risk group may be provided to the third party.

Abstract: Systems and methods for providing continuous safe-driver training safely are provided. A safe-driving challenge may be presented to an operator of a vehicle. Data captured by sensors associated with the vehicle may be analyzed to determine whether the operator of the vehicle has completed the safe-driving challenge. Based on a determination that the operator of the vehicle has completed the safe-driving challenge, a notification may be provided to the operator (e.g., indicating to the operator that he or she has successfully completed the challenge). A processor may randomly select whether a reward is to be provided to the operator of the vehicle based on the determination that the operator of the vehicle has completed the safe-driving challenge. Moreover, if a reward is to be provided to the operator of the vehicle, a processor may randomly select a type of reward to be provided to the operator of the vehicle.

Abstract: A method and system may present indications of driver performance metrics on a user interface of a client device based on vehicle data for a user collected over a time interval. The driver performance metrics may include scores for each of several telemetry factors, such as braking, speeding, acceleration, and maneuvers. The user interface may also include indications of levels of safe driving behavior and corresponding driver performance metric ranges for reaching such levels. The indications of the driver performance metrics for the user may be placed in respective positions within the driver performance metric ranges. When the user reaches one of the levels of safe driving behavior based on the driver performance metrics, the user may be provided with a benefit corresponding to the level.

Abstract: A computer-implemented method for providing feedback to drivers of vehicles is disclosed. The method comprises receiving an image corresponding to a vehicle indicating driving behavior data associated with a user, The driving behavior data are indicative of wear and tear on the vehicle or fuel efficiency for the vehicle and the driving behavior data indicative of an impact associated with the user on longevity of the vehicle. Based at least in part upon analyzing the image and determining a driving performance metric associated with the user feedback associated with the user is generated and provided to a mobile device associated with the user for presentation at the mobile device.

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: Methods and systems for improving vehicular safety by utilizing uplift modeling techniques to improve a driving tip treatment generation model are provided. According to embodiments, a tip server can analyze telematics data associated with operation of one or more vehicles to determine that a driving tip should be provided to a driver of a vehicle. The tip server then utilize a treatment generation model to determine a treatment for how to provide the driving tip in a manner optimized for the particular driver. The tip server can analyze additional telematics data to determine an effectiveness of the driving tip and to update the treatment generation model in accordance with uplift modeling techniques.