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: 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 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 gate-based vehicle image capture system for analyzing vehicle image data is presented. The system may include a portable imaging gate apparatus configured to capture vehicle image data of a vehicle. The portable imaging gate apparatus may include a plurality of imaging assemblies positioned at a plurality of viewing angles. The system may further include an external processing server configured to receive the vehicle image data from the portable imaging gate apparatus. The external processing server may also analyze the vehicle image data to identify a plurality of vehicle features, and determine a first vehicle feature from the plurality of vehicle features. The first vehicle feature may be related to a vehicle incident. The system may also include a provider server configured to receive the first vehicle feature from the external processing server, and update an aspect of a risk evaluation based on the first vehicle feature.

Abstract: A computer system for providing enhanced user help customized to a particular user based upon artificial intelligence includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) generating a form-fillable webpage; (ii) providing the form-fillable webpage to a client device for display to a user; (iii) analyzing a user interaction with the form-fillable webpage; and (iv) providing, in response to the analyzing, customized help data to the user in the form-fillable webpage.

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

Abstract: A method and system is provided for providing local business-based recommendations or search results to visitors. In response to a request for a digital map of a geographic area, the system determines whether a user is familiar with the geographic area based on the user's location history. In response to determining that the user is unfamiliar with the geographic area and therefore is a visitor of the geographic area, the system provides recommendations, suggestions, or search results to the user which includes local businesses which are of interest to the user. The local businesses may include local businesses which are related to a geographic search query provided by the user, or may include local businesses recommended by the system according to the time of day, time of year, events within the geographic area such as events stored in the user's virtual calendar, reviews of the local businesses, etc.

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: 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 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: 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: An electronic device for displaying targeted messages on a surface of a vehicle is presented. The device includes a transceiver, one or more memories and processors, and an electronic display disposed on the surface. The electronic display displays a targeted message for a set of individuals associated with an environment of the vehicle. The one or more processors may detect environmental data associated with the environment of the vehicle, and generate demographic data from the environmental data. The generated demographic data may be indicative of at least one individual of the set of individuals. Further, the one or more processors may transmit the demographic data to an external processing server, which determines the targeted message from the demographic data. Finally, the one or more processors may receive the targeted message from the external processing server, and display the targeted message on the electronic display.

Abstract: A gate-based vehicle image capture system for analyzing vehicle image data is presented. The system may include a portable imaging gate apparatus configured to capture vehicle image data of a vehicle. The portable imaging gate apparatus may include a plurality of imaging assemblies positioned at a plurality of viewing angles. The system may further include an external processing server configured to receive the vehicle image data from the portable imaging gate apparatus. The external processing server may also analyze the vehicle image data to identify a plurality of vehicle features, and determine a first vehicle feature from the plurality of vehicle features. The first vehicle feature may be related to a vehicle incident. The system may also include a provider server configured to receive the first vehicle feature from the external processing server, and update an aspect of a risk evaluation based on the first vehicle feature.

Abstract: Systems and methods of utilizing badging for driver risk assessment are provided. Vehicle telematics data (e.g., speed data, acceleration data, braking data, cornering data, following distance data, turn signal data, seatbelt use data) associated with a vehicle operator may be analyzed. Based on the analysis, a trend of safe operation of the vehicle may be identified (e.g., based on a number of vehicle trips and/or a number of consecutive vehicle trips in which the vehicle telematics data indicates safe operation of the vehicle, a frequency of vehicle trips in which the vehicle telematics data indicates safe operation of the vehicle, a comparison to other drivers, etc.) A digital certificate indicating the trend of safe operation of the vehicle may be associated with the vehicle operator. In response to a third-party query regarding the vehicle operator, the digital certificate associated with the vehicle operator may be displayed to the third party.

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 method and system is provided for providing local business-based recommendations or search results to visitors. In response to a request for a digital map of a geographic area, the system determines whether a user is familiar with the geographic area based on the user's location history. In response to determining that the user is unfamiliar with the geographic area and therefore is a visitor of the geographic area, the system provides recommendations, suggestions, or search results to the user which includes local businesses which are of interest to the user. The local businesses may include local businesses which are related to a geographic search query provided by the user, or may include local businesses recommended by the system according to the time of day, time of year, events within the geographic area such as events stored in the user's virtual calendar, reviews of the local businesses, etc.

Abstract: A data structure representing the state of courier assignments is described. For each courier assignment, the data structure contains: information identifying a destination location for the courier assignment; information identifying a drop-off protocol specified for the courier assignment, the drop-off protocol specifying a sequence of steps; and, for each of at least some of the steps of the identified drop-off protocol, a representation of compliance evidence collected with respect to the step of the courier assignment. The contents of the data structure are usable to present collected compliance evidence for steps of the drop-off protocol specified for courier assignments among the plurality of courier assignments, either contemporaneously or at later times.

Abstract: Method and system for improving fuel consumption efficiency. For example, the method includes collecting user driving data for one or more vehicle trips made by a user between a particular pair of origination and destination points, analyzing the user driving data to determine one or more user driving features of a user driving behavior for the particular pair of origination and destination points, comparing the one or more user driving features with one or more desired driving features of a desired driving behavior for the particular pair of origination and destination points, determining a performance feedback based at least in part on the comparison, and providing the performance feedback to the user to improve a user fuel consumption efficiency for the particular pair of origination and destination points.