Abstract: Systems, methods, and techniques for determining optimal safe driving behaviors and optimal safety thresholds of the various parameters for particular routes are disclosed. Historical driver data for a plurality of drivers operating vehicles over various routes during different contextual situations and/or different combinations of conditions along the routes is analyzed to determine respective, relative weightings/contributions of various parameters towards driving safety. Data indicative of a particular driver's behavior along a particular route during a particular set of conditions or contexts is obtained and compared to the analysis results to thereby determine or assess the driver's safety performance. The driver's safety performance may be evaluated in real-time, e.g.

Abstract: Computing systems and methods of visually creating and visually analyzing proposed insurance or reinsurance constructs by providing an overall insurance or reinsurance structure creation and analysis system that includes an insurance/reinsurance visual design structure interface displayed to a user on a design construction user interface display presented to a user via a display of a user computing device having a user input device and the display having a plurality of coverage layer types visually illustrated on the design construction user interface display outside of a graphical diagram. The graphic diagram depicts at least one rectangular-shaped coverage structure layer that creates a proposed insurance or reinsurance construct and corresponds to one of the plurality of coverage layer types visually illustrated on the design construction user interface display outside of the graphical diagram.

Abstract: Aspects of the disclosure generally relate to monitoring and/or sensing of one or more home devices from one or more homes. In particular, various aspects described herein relate to receiving data from one or more sensors associated with one or more home devices from one or more homes and using the data to determine insurance rates or premiums, discounts, incentives, and the like. Further, aspects of the disclosure relate to computer hardware and software. In particular, one or more aspects of the disclosure relate to the connected home or smart home market (i.e. connected devices and systems within or related to the home) which is rapidly evolving and growing.

Abstract: Disclosed herein is a traveling-based insurance rating system comprising a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device associated with a passenger of the vehicle, and a server computer comprising hardware, including a processor and memory. The server computer may receive driving data of a driver of the vehicle from the one or more sensors via the telematics device. The server computer may then identify one or more values of the driving data to be within one or more predetermined ranges and classify the driving data as a trip of the passenger. Based on the driving data from the trip, the server computer may determine one or more driving behaviors of the driver, calculate an insurance rating for the passenger of the vehicle based on the one or more driving behaviors of the driver, and transmit the insurance rating to the mobile device.

Abstract: A computer-implemented method for tracking a user includes: configuring a client device for entering: a starting point for a trip, a destination, mode of transportation, and indication of starting the trip; configuring the server for identifying a preferred route based upon: a distance of the trip, a crime rate of areas between the starting point and destination, and the mode of transportation; configuring the server for calculating an allotted time for the trip; configuring the client device for continuously transmitting its location to the server; configuring the server for continuously monitoring the location of the client device; configuring the client device for selectively transmitting an alarm message to the server when the client device deviates beyond a threshold amount from the preferred route or the allotted time for the trip; and configuring the server for notifying a family member and local police when the panic alarm message is received.

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 clinical documentation improvement (CDI) smart scoring method may include predicting, via per-condition diagnosis machine learning (ML) models and based on clinical evidence received by a system, a probability that a medical condition is under-documented and, via per-condition documentation ML models and based on documentation received by the system, a probability that a medical condition is over-documented. The under- and over-documentation scores are combined in view of special indicators and queryability factors, which can also be evaluated using ML query prediction models, to generate an initial CDI score. This CDI score can be further adjusted, if necessary or desired, to account for factors such as length of stay, payer, patient location, CDI review timing, etc. The final CDI score can be used to prioritize patient cases for review by CDI specialists to quickly and efficiently identify meaningful CDI opportunities.

Abstract: Systems and methods are provided for integrating damage evidence with appraisal management system to create a unified user experience for improving a virtual damage appraisal process. The system may display a curated collection of evidence providing an overview of the vehicle and sections of a vehicle damaged during an adverse incident. A user may select a damaged section from a plurality of damaged sections to view damage evidence determined by machine learning algorithms to best reflect the selected damaged section may be displayed. The damage evidence may be displayed concurrently with vehicle part selection and repair line editing functionality in a configurable graphical user interface (GUI) of a virtual appraisal application. Additionally, the system may generate set of recommendations for repairing or replacing the damaged parts in the selected section. The user may add the recommendations to a repair estimate as repair estimate lines.

Abstract: An example operation may include one or more of identifying a data record to be included in a blockchain, creating a group of smart contracts to enable access to the data record to data consumers with access to the blockchain, determining the group of smart contracts have been registered by one or more blockchain peers, and storing the group of smart contracts on the blockchain.

Abstract: A system includes: a first camera configured to capture first images of a driver on a driver's seat within a passenger cabin of the vehicle; a second camera configured to capture second images in front of the vehicle; a driver module configured to determine a driver and a present rank of the driver; a module configured to detect a condition based on at least one of (a) a first image, (b) a second image, and (c) a parameter measured by a sensor; a reinforcement module configured to: display the present rank within the passenger cabin; generate an output within the passenger cabin in response to the detection of the condition; when no conditions are detected, increment a rank period of the driver; selectively increase the present rank of the driver; and generate an alert within the passenger cabin in response to the increasing of the present rank.

Abstract: Methods, apparatus, systems, computing devices, computing entities, and/or the like for programmatically prioritizing a data processing queue are provided. An example method may include retrieving a plurality of data objects in the data processing queue, generating a base data table based at least in part on the plurality of data objects, determining a predictive data model based at least in part on the base data table, and adjusting a queue order of the plurality of data objects in the data processing queue based at least in part on a risk score calculated by the predictive data model.

Abstract: A technique for assessing a landscape condition of a property is provided that determines landscape condition for an individual property or properties of interest using image data from one or more unmanned aerial vehicles. Based on the image data, a control system may generate a landscape condition output, such as an alert for a property owner or control signals for damage mitigation devices.

Abstract: To automatically streamline a vehicle claims process after a vehicle is damaged in a crash, sensor data from a plurality of sensors may be received and analyzed to determine crash information and to detect a crash involving the vehicle. The crash information may be transmitted to a server device, which may determine a treatment complexity level based on the crash information. A client device may receive crash repair information from the server device, the crash repair information including the treatment complexity level, and display the crash repair information.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing smart vehicle data. The managed data may relate to a detected vehicle event, such as: a motion or position detected by a motion or position sensor as a GPS chip, an accelerometer, a compass, a speedometer, a gyroscope, etc.; braking detected by a braking sensor; turn input detected by a steering wheel sensor; wheel position detected by a wheel sensor; engine temperature detected by a temperature gauge; oil temperature detected by a temperature gauge; a seatbelt status detected by a seatbelt and/or seat sensor; etc.

Abstract: A mobility player system including memory and a processor is provided. The memory stores a trained AI model. The processor receives on-board diagnostic (OBD) data associated with a first vehicle registered with a first mobility provider. The processor receives occupant data, different from the OBD data, from plurality of sensors associated with the first vehicle. The processor determines a plurality of parameters based on the received OBD data and the received occupant data. The processor applies the trained AI model on the plurality of parameters. The processor determines one or more events related to the first vehicle, or related to an occupant of the first vehicle, based on the application of the trained AI model on the plurality of parameters. The processor transmits information about the determined one or more events to one or more nodes of a distributed ledger associated with a Mobility-as-a-Service (MaaS) network.

Abstract: Methods and systems for facilitating loss reporting and resolution are described. In some embodiments, a method includes identifying a bounded geographical area affected by a weather event potentially causing property losses to customers of an insurer. The weather event may have an intensity profile in the bounded geographical area. The method further includes generating a customer density profile in the bounded geographical area and predicting resource utilization based on the customer density profile and the weather event intensity profile in the bounded geographical area.

Abstract: Methods and systems for homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, or proximate to, a property as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.

Abstract: The present disclosure provides for systems and methods for substantially real-time adaptive report generation. An adaptive report system may comprise at least one query. The adaptive report system may comprise at least one voice control component. The adaptive report system may comprise at least one report. The adaptive report system may comprise one or more verifications. The adaptive report system may comprise at least one natural language processor. The adaptive report system may comprise at least one translated query. The adaptive report system may comprise at least one database query. The adaptive report system may comprise at least one database. When the at least one query at least partially comprises at least one audio signal, the at least one voice control component may convert the audio signal to text.

Abstract: The disclosure is directed to, among other things, systems and methods for remote storage of information associated with a node of a distributed ledger network. In some embodiments, the systems and methods described herein may involve providing, by a first node of a distributed ledger network of nodes and to a first server, first information associated with the first node, wherein the network of nodes includes a network of vehicles. The systems and methods may also involve receiving, by a ledger of the first node and from the first server, a pointer to the first information that is stored at the first server, wherein the pointer is stored in the ledger, and wherein the ledger is a distributed ledger included in all of the nodes of the network of nodes.

Abstract: A system including at least one processor programmed to identify, based on a policy to be enforced, one or more metadata symbols corresponding to an entity name; identify, from a target description describing a target system, an entity description matching the entity name, wherein the entity description describes an entity of the target system; and apply a metadata label to the entity of the target system, wherein the metadata label is based on the one or more metadata symbols corresponding to the entity name, as identified based on the policy.

Abstract: Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user, are generated, to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.

Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.

Abstract: Example methods, apparatus, and articles of manufacture to estimate costs of prescriptions are disclosed herein. An example computer-implemented method, executed by a processor, to estimate a cost of a prescription for a medication includes receiving, with a processor, a prescription for a medication for a patient, receiving, with the processor from an entity, a request for an estimated cost for the prescription, processing, with a machine learning model, the prescription to determine the estimated cost of the medication for the patient, and providing, with the processor, the estimated cost to the entity.

Abstract: Various examples are provided for data acquisition, processing, and output generation for use in analysis of a physical asset or a collection of physical assets of interest. In one example, a method includes providing a user information goal including user information for acquisition, processing, or output of data associated with a physical asset or collection of physical assets; and evaluating existing database information to determine whether all or part of the first user information goal can be substantially completed by retrieval and processing of an information set obtainable from existing database information. If the user information goal cannot substantially be completed using the information set, then a data acquisition plan configured to acquire data needed to substantially complete first user information goal can be generated. If the user information goal can be substantially completed using the information set, then the formation set can be processed to provide an output.

Abstract: A system includes an insurance claim processing circuit having instructions to receive an insurance claim payment request based on an insurance claim regarding an insured entity, evaluate the insurance claim payment request, receive a work progress indicator directly from a contractor device that is operated by a contractor and not the insured entity, the work progress indicator regarding a repair of an insured object associated with the insurance claim payment request, in response to determining a claim amount in the insurance claim payment request is above a predetermined threshold, generate and provide an authorization request including a request to confirm an identity of the contractor, and in response receiving a confirmation of the identity of the contractor, cause dispersal of an amount of funds based on the insurance claim payment request to the insured entity.

Abstract: Systems and methods provide for a computerized system for quoting home owners insurance and providing a more consultative way of delivering insurance quotes and insurance quote information. The system may present insurance consumers with an automated process of asking questions and receiving feedback. Based on the feedback, the system may provide insurance options and explanations of those options enabling consumers to make a decision that best fits their personal situation. For example, systems and methods are directed to determining and providing a deductible that fits a user based on the user's tolerance for risk and cash position. The system may also provide a description of the types of risks and damages that are covered by particular insurance coverages. The system may also provide an analysis of the insurance obtained by similarly situated individuals. The system may also provide descriptions of insurance features.

Abstract: The present solution is generally directed to dynamic state-driven centralized processing that manages remote procedure calls. In particular, the present solution can reduce the number of remote procedure calls by selecting and applying multiple processing scripts for a single electronic transaction based on a real-time condition, and provide dynamic-state-driven processing.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving input data for a plurality of identified data records; receiving a plurality of predetermined policy parameters associated with at least one logistics data provider of the plurality of logistics data providers; dynamically enriching the input data by aggregating current data, forecast data, and predictive data; calculating a respective risk probability value associated with each qualifying provider of the plurality of providers; generating a respective dynamic data model associated with each of the qualifying provider of the plurality of providers; dynamically determining a predetermined policy risk threshold in real time for the identified data record; automatically modifying the predetermined policy risk threshold in real time associated with the at least one qualified provider of the plurality of providers; and dynamically selecting a respective data point for each qualified provider of the pluralit

Abstract: At least some embodiments are directed to an exemplary computer-based electronic activity tracking system that detects activity patterns receiving data values that represent at least one electronic activity. The exemplary electronic activity tracking system includes a detector of unsecure electronic activities that identifies electronic activity patterns performed by a user or non-person entity. The detector of unsecure electronic activities utilizes unsupervised machine learning techniques to detect the electronic activity patterns. The detected electronic activity patterns correspond to unsecure or malicious electronic activities. The electronic activity tracking system outputs notifications indicative of identified unsecure or malicious activity patterns and identifies entities associated with such unsecure or malicious activity patterns. The exemplary electronic activity tracking system implements a graphical user interface operated from a client computing device.

Abstract: Methods and devices include identifying a plurality of target users for the digital therapeutic based on one or more target parameters, conducting outreach to one or more of the plurality of target users using an outreach medium, identifying an activation mechanism to optimize use of the digital therapeutic, and encouraging an engagement level of the digital therapeutic by one or more of the plurality of target users.

Abstract: Systems and methods for validating outputs from a machine learning model is disclosed. The machine learning model and a statistical model are executed to generate electronic documents in response to customer requests. A random sample of electronic documents generated from the machine learning model and the statistical model are then selected. A comparison is performed between the random sample of electronic documents generated from the machine learning model and the statistical model. The performance of the machine learning model is validated based on results of the comparison.

Abstract: A plurality of images may be analyzed to determine an object model. The object model may have a plurality of components, and each of the images may correspond with one or more of the components. Component condition information may be determined for one or more of the components based on the images. The component condition information may indicate damage incurred by the object portion corresponding with the component.

Abstract: A computer implemented method includes retrieving, via a computer network, an aerial image corresponding to a geographic location associated with a structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes identifying a first object data category corresponding to the first object, and determining objective and subjective data values descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the objective and subjective data values, and linking the one or more action items to a customer account that is associated with the geographic location.

Abstract: Systems and methods relate to, inter alia, calculating a collision risk index for an area based upon historical traffic data. The systems and methods may further generate a notification to automatically engage or disengage an autonomous, or semi-autonomous, vehicle control feature in a vehicle based upon the collision risk index for the area. The systems and methods may further transmit the notification to a device of the vehicle to facilitate automatically engaging or disengaging an autonomous, or semi-autonomous, vehicle control feature in the vehicle as the vehicle approaches the area. As a result, vehicle collisions may be reduced, and vehicle safety enhanced.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, vehicle operation safety may be enhanced. An environmental or weather condition (e.g., hail, storm, wind) may be identified that presents a hazard to an autonomous or semi-autonomous vehicle. With the customer's permission, when it is determined that the vehicle is parked in an unprotected location, a protected or covered location to park the vehicle may be identified, a route to that location may be determined, and the vehicle may be directed to travel automatically to the protected location under the operation of autonomous operation features. Insurance discounts or cost savings may be provided to risk averse insurance customers based upon the self-parking functionality that will reduce or mitigate damage to insured vehicles caused by adverse conditions, falling trees or power lines, hail, etc.

Abstract: A personalized advertisement and checkout system and method for generating personalized merchant advertisements to specific device users includes a communications network, an advertisement system, at least one merchant administrator operable by a respective merchant user, at least one partner system and at least one user device operable by a respective device user. Each of the advertisement system, the merchant administrator, the partner system and the user device includes a processor and a memory in communication with the processor. Each of the merchant administrator and the user device includes a display and a user interface, the user interface of the merchant administrator receiving input from the respective merchant user and the user interface of the user device receiving input from the respective device user. The advertisement system ranks merchant campaigns entered by the merchant users and generates a list of merchant offer advertisements that is displayed on the user device.

Abstract: Disclosed embodiments include systems, vehicles, and methods for ensuring an insurance policy is in place to cover use of a vehicle by an authorized user. In various embodiments, a computing device associated with the vehicle executes computer-executable instructions to determine an identity of a user seeking to operate the vehicle and whether an insurance policy associated with the vehicle covers operation of the vehicle by the user. Responsive to a determination that the user is not associated with the insurance policy covering the use of the vehicle, operation of the vehicle by the user is enabled in response to a further determination that the user is covered by an existing insurance policy associated with the user that provides coverage for the operation of the vehicle by the user and an on-demand insurance policy secured by the user that provides coverage for the operation of the vehicle by the user.

Abstract: A system and method for self-inspection of a vehicle is disclosed. The self-inspection may be performed by an application executed on a mobile device, with the application being configured to determine excessive wear and use. The mobile device may obtain images from a plurality of predetermined views of the vehicle, with damage input being determined for the plurality of predetermined views. In turn, a cost estimate may be output for repair or replacement due to the damage for each of the plurality of predetermined views as well as a total cost for repair or replacement, which may be dynamically updated as additional damage is input for the plurality of predetermined views.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for autonomous or semi-autonomous vehicles may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of an autonomous or semi-autonomous vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.

Abstract: Systems and methods for generating tree-based models with improved fairness are disclosed. The disclosed process generates a first tree-based machine learning model, which is preferably trained to predict if a financial loan will be repaid. The process also determines an accuracy of the first tree-based machine learning mode. In addition, the process determines a fairness of the first tree-based machine learning model. The fairness is preferably associated with at least one of gender, race, ethnicity, age, marital status, military status, sexual orientation, and disability status. The process then generates a second different tree-based machine learning model, which is preferably trained based on the accuracy of the first tree-based machine learning model and the fairness of the first tree-based machine learning model. The process then combines the first tree-based machine learning model and the second tree-based machine learning model to produce a gradient-boosted machine learning model.

Abstract: Systems and methods for providing a disposal recommendation for a vehicle are provided. The method includes generating a profile for a first vehicle, the first vehicle being an income generating vehicle and the first vehicle profile including at least age, mileage, and location of the first vehicle, receiving monitoring data of the first vehicle, and receiving sales data for second vehicles, the second vehicles corresponding to the profile. The method may further include generating predicted depreciation data of the first vehicle, based on the sales data and the monitoring data, generating a predicted profit data from the first vehicle, and providing a recommended disposal time for the first vehicle, based on the predicted depreciation data and the predicted profit data.

Abstract: Systems and methods for capturing digital image data associated with a property for an insurance quote are described. According to certain aspects, a mobile device may enable a user to capture digital image data and/or a video stream and other information of house features and characteristics that may be used to determine insurability and estimated replacement cost of the property. The mobile device may enable the user to capture the information at the property location, which may eliminate the need for a manual assessment or characterization of home features by a homeowner. A back-end server may receive the data, analyze the data to generate an insurance quote (and/or insurance application) for the property, and transmit the insurance quote (and/or application) to the mobile device for presentation to the user. The mobile device may enable the user to select terms, deductibles, limits, and/or coverages, and ultimately approve a homeowner's insurance policy.

Abstract: Systems and methods for utilizing machine learning to generate a trans-diagnostic classifier that is operative to concurrently diagnose a plurality of different mental health disorders using a single trans-diagnostic questionnaire that includes a plurality of questions (e.g., 17 questions). Machine learning techniques are used to process labeled training data to build statistical models that include trans-diagnostic item-level questions as features to create a screen to classify groups of subjects as either healthy or as possibly having a mental health disorder. A subset of questions are selected from the multiple self-administered mental health questionnaires and used to autonomously screen subjects across multiple mental health disorders without physician involvement, optionally remotely and repeatedly, in a short amount of time.

Abstract: According to some embodiments, a selection server is in communication with a potential communication device database and a currently participating device database, the potential communication device database storing information about communication devices associated with a transition from a first state to a second state, including at least one communication address associated with each communication device. The selection server may automatically identify a communication device as meeting a pre-determined criteria and copy information about the identified communication device from the potential communication device database to the currently participating device database.

Abstract: A processor-implemented method is disclosed. The method includes: obtaining sensor readings from sensors associated with a first home and a plurality of second homes; determining a set of prioritized maintenance items for the first home based on comparing sensor readings from sensors associated with the plurality of second homes to identify and rank maintenance items; detecting one or more maintenance events associated with one or more of the set of the prioritized maintenance items for the first home; and outputting a live home score for the first home based on detecting the one or more maintenance events.

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: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Abstract: A back-end application computer server may receive a request along with a descriptive term. A look-up process may be performed based on the descriptive term (and hidden terms) may establish a set of potential pre-determined descriptions. The user may select one of the potential descriptions, and a user identifier may be associated with the request. A series of dynamic information exchanges may then help assign a category to the user identifier. A partial set of initial request details may be received from a third-party device and the user may adjust and/or add details to create a complete set. A potential value may then be calculated for the request. An indication of the potential value may be transmitted to the user, and information about the user identifier may be transmitted to a user response terminal to facilitate communication between the user response terminal and the user.

Abstract: A method includes receiving a first set of images from an image capture device of a vehicle. The method also includes performing a first analysis of movement of biomechanical points of occupants of the vehicle in the first set of images. The method further includes receiving an indication that a traffic incident has occurred. The method also includes receiving a second set of images from the image capture device corresponding to when the traffic incident occurred. The method further includes performing a second analysis of movement of the biomechanical points of the occupants in the second set of images. The method also includes determining a likelihood of injury or a severity of injury to the occupants based on the first analysis of movement and the second analysis of movement.

Abstract: A method for providing smart auto rental estimatics to a user includes training a machine learning model to predict repair information, receiving a report, analyzing the report to identify a coverage, determining a vendor, receiving a chosen vendor, determining a branch, receiving a chosen branch, analyzing the report and a volume data using the trained machine learning model to determine loss information, calculating out-of-pockets, and transmitting the out-of-pockets to the user.