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: A system and method for calculating expected out of pocket health care costs for a user during a set period of time is presented. The system relies on statistical data about health services utilization in combination with data about the user to estimate the expected usage. The system utilizes machine learning techniques to predict utilization of healthcare services based on user health status data. This information in combination with expected costs to deliver the specific services expected to be used provides the basis for calculating costs.

Abstract: An aerial image system may generate images of structures providing views that might otherwise be difficult to obtain. These images may be used to determine various characteristics of the structure, which may then be processed for a variety of tasks including product marketing, claim processing and post-claim analysis. The images may be analyzed by the aerial image system or by a ground-based processing system to determine the structural characteristics such as roof age, roof type and roof pitch. In some examples, image analysis techniques such as edge detection and contrast determination may assist in determining the requisite data. Additionally or alternatively, the processing system may direct or control one or more image capture devices to obtain desired images.

Abstract: A method including determining a first bid for a healthcare plan and a second bid for the healthcare plan. A bid-pricing tool is configured to utilize one or more first components to determine the first bid and one or more second components to determine the second bid, respectively. A bid difference between the first bid and the second bid includes at least a monetary difference in premiums paid by members of the first bid for the healthcare plan and members of the second bid for the healthcare plan. One or more third components are determined based at least in part on the bid difference to determine a third bid for the healthcare plan. A second bid difference is determined between at least one of the first bid and the third bid or the second bid and the third bid.

Abstract: Systems and methods for autonomous program management include a device which may transmit data to a client in response to a first request from the client. The data may include a response to the first request and a copy of data available to the device corresponding to the first request or the client. The device may receive a second request including the copy of data from the client. The device may determine that the second request is from an autonomous program rather than a user of the client based on the copy of data from the second request. The device may block at least one subsequent request from the client in response to the determination that the second request is from an autonomous program.

Abstract: A terminal device according to one aspect of an embodiment includes a storage, an acquisition unit, a selection unit, and a transmitting unit. The storage stores therein imaging data captured from a moving body. The acquisition unit acquires a transmitting request for imaging data transmitted from an external device on the basis of positional information on the moving body. The selection unit selects, from among the imaging data stored in the storage, target data that is imaging data corresponding to the transmitting request acquired by the acquisition unit. The transmitting unit transmits the target data selected by the selection unit.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the state of the traffic light at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation.

Abstract: An exemplary embodiment of the present invention provides an economic development system, which enables individuals within a community to efficiently identify and express their interests in one or more economic propositions. The economic development system comprises an application which allows users to uniquely interface with the one or more economic propositions. Users of the economic development system are able to efficiently identify and express support or disapprove for one or more economic propositions. A plurality of engagement mechanisms is provided by the economic development system to assist users in democratizing their interests. The economic development system also allows for crowdfunding of economic propositions and further provides valuable statistical data which can be utilized by developers, business owners, and local municipalities to implement one or more economic propositions.

Abstract: A system includes a client instance hosted by a datacenter, wherein the client instance is generated for one or more client networks. The system performs operations comprising generating a graphical user interface, receiving, via the graphical user interface, an input adjusting the selected time period, and updating the graphical user interface in real time in response to the received input. The graphical user interface includes a timeline that spans an entirety of an incident dataset, a selected time period, wherein the selected time period is a portion of the timeline, a plot of incident data from the incident dataset over the selected time period, and a plurality of calculated metrics based on the incident data during the selected time period.

Abstract: Disclosed herein are a drowsy-driving prevention method and a drowsy-driving prevention system that execute artificial intelligence (AI) algorithms and/or machine learning algorithms in a 5G environment connected for Internet of Things in order to control a stimulation unit and a measurement unit. The drowsy-driving prevention method may include a stimulating step, a measuring step, and a determining step. A stimulation unit outputs a stimulus in order to stimulate a sensory organ of a driver, and then a measurement unit measures a biometric signal of the driver from the time when the stimulus is outputted. Upon determining that the biometric signal of the driver is not a response to the stimulus, the stimulation unit may output the stimulus again.

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to generate Usage-Based Insurance quotes for a vehicle tracked over its lifecycle according to a Vehicle Identification Number (VIN), or other vehicle identifier. A mileage report stored on the shared ledger may be searched according to the vehicle's VIN and a Usage-Based Insurance quote may be generated based upon the mileage report. Periodic updates to the mileage report may be broadcast to the blockchain in transactions that updated the shared ledger. An estimated vehicle usage may be determined based upon the cryptographic proof of the blockchain and a Usage-Based Insurance quote generated thereon.

Abstract: An evaluation system includes: an acquisition unit that acquires an image acquired by imaging an exterior of a vehicle; and an evaluation unit that derives and assigns an evaluation point for evaluating social credibility of a vehicle occupant of the vehicle on the basis of the image acquired by the acquisition unit.

Abstract: A system for predicting and interpreting bad driving behavior of a vehicle includes a first edge computing device that can acquire spatial-temporal data for the vehicle from one or more sensors that are part of traffic infrastructure. The first edge computing device includes a processor and instructions executable by the processor that execute unsupervised deep learning methods on the data from the sensors to cluster the data into segments and integrate a language model with the deep learning method to output the bad driving behavior in a natural language. The instructions further include normalizing the data, processing the data with a first artificial neural network (ANN) to output a first vector, processing the clustered data segments with a second ANN to output a second vector, concatenating the vectors into a single vector, and processing the single vector with a third ANN to output a predicted bad driving behavior of the vehicle.

Abstract: A method for determining vehicle insurance costs includes receiving a starting location and a destination location for a trip using a vehicle. One or more routes for the vehicle from the starting location to the destination location are received. A cost of insurance is determined for each of the one or more routes for the trip. The cost of insurance for each of the one or more routes for the trip is displayed. A selected route from the one or more routes is received. Operation of the vehicle for the trip is enabled along the selected route.

Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, wherein the information is received via a single processing of an instrument. A balance for the transaction is automatically determined based on a coverage plan associated with the information from the instrument and services associated with the transaction. Upon detecting selection of an account for the balance, an amount from the account is allocated for the balance and is provided to complete the transaction.

Abstract: A refund tracking (RT) computing device including a processor and a memory in communication with the processor is provided. The RT computing device is configured to receive historical transaction data from a payment network or a merchant data source, the historical transaction data received in different formats, parse data fields from the historical transaction data, store the parsed data fields for each of the transactions in a respective harmonized refund data structure in a database, receive current transaction data for a current transaction from a merchant computing device, retrieve at least one harmonized refund data structure from the database, determine a refund risk score based on comparing the current transaction data to the at least one harmonized refund data structure, and transmit the refund risk score to the merchant terminal.

Abstract: A method, a system, and a computer-readable storage medium for blockchain-based data processing are provided. The method comprises: by a node device of a service acceptance platform, receiving service processing application data of a target user; generating a first shared service processing result and a first private service processing result with respect to a target service data processing entity; sending a first transaction to a blockchain for the first transaction to be recorded in a distributed database of the blockchain upon verification of the first transaction by a plurality of node devices associated with the blockchain according to a consensus mechanism; and sending the first private service processing result to the node device of the target service data processing entity, for the node device of the target service data processing entity to generate a second service processing result.

Abstract: Method and system for validating a plurality of policies. For example, a computer-implemented method includes receiving a plurality of policies, each policy of the plurality of policies associated with a policy lifecycle including one or more validation actions, each validation action of the one or more validation actions being associated with an action time; mapping the one or more validation actions associated with each policy of the plurality of policies on a common timeline of a shared clock; and determining the plurality of validation times based at least in part upon the action time associated with each validation action of the one or more validation actions by at least one of: minimizing the amount of validation times of the plurality of validation times; and maximizing the amount of validation actions contained within each validation time of the plurality of validation times on average across the plurality of validation threads.

Abstract: Systems and methods are provided for receiving location data for a first location and a second location and generating a plurality of candidate routes to travel from the first location to the second location, based on the location data, each candidate route comprising a plurality of segments.

Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.

Abstract: Provided are a method and an apparatus for controlling vehicle operations, and a computer device. The method includes: acquiring current running status information of an in-vehicle component and current user operating behavior information sent by a first vehicle; determining a current running status score of the first vehicle according to the current running status information of the in-vehicle component and the current user operating behavior information from the first vehicle; and generating an operation strategy for the first vehicle according to the current running status score of the first vehicle.

Abstract: A position determining system includes a surveillance and monitoring special purpose computer, one or more sensors in electrical communication with the surveillance and monitoring special purpose computer, one or more surveillance cameras in electrical communication with the surveillance and monitoring special purpose computer, the surveillance and monitoring special purpose computer receiving from the one or more sensors positional data about an asset and assembling and forwarding instructions to the one or more surveillance cameras in electrical communication with the surveillance and monitoring special purpose computer, the instructions requesting specific surveillance to be undertaken by the one or more surveillance cameras; and a processor in electrical communication with the surveillance and monitoring special purpose computer that determines if additional data is required about the asset and when additional data is required, assembling and forwarding instructions regarding an action.

Abstract: Certain aspects of the present disclosure provide techniques for hierarchical optimization including: receiving a request to optimize a primary objective; determining a set of stages to optimize the primary objective; for each respective stage of the set of stages: determining an objective function; when the respective stage is the first stage to be processed: determining values of a set of variable inputs to the respective stage and an output of the objective function; when the respective stage is not the first stage: updating a set of fixed inputs to the respective stage by including the variable inputs to one or more previously processed stages and their corresponding values to the set of fixed inputs to the respective stage; determining values of the set of variable inputs to the respective stage and output of the objective function for the respective stage; providing a final output for display on a display device.

Abstract: Systems including one or more sensors, coupled to a vehicle, may detect sensor information and provide the sensor information to another computing device for processing. The processing may include analyzing the sensor information to identify one or more risk objects, such as animals, pedestrians, potholes, etc. The processing may further include generating a three-dimensional (3D) risk map, which may be displayed to a passenger in the vehicle. The 3D risk map may illustrate the one or more risk objects as one or more point clouds, respectively, within a virtual world representation of the vehicle's surroundings. Such a display may be used to alert drivers to possible risks while driving. In case of an accident, the 3D risk map may also be leveraged by insurance providers to process insurance claims and to notify customers that an insurance claim has been established.

Abstract: Systems and methods for creating and using risk profiles for management of a fleet of vehicles are disclosed. The risk profiles characterize values representing likelihoods of occurrences of vehicle events, based on previously detected vehicle events. Exemplary implementations may: obtain vehicle event information for vehicle events that have been detected by the fleet of vehicles; aggregate the vehicle event information for multiple ones of the events to create one or more of a first risk profile, a second risk profile and/or a third risk profile; obtain a point of origin for and a target destination of a particular vehicle; determine a set of routes from the point of origin to the target destination; determine individual values representing likelihoods of occurrences of vehicle events along individual routes in the set of routes; select the first route from the set of routes; and provide the selected first route to the particular vehicle.

Abstract: A weather guidance system is configured to guide a weather event having occurred around a user during moving, and includes: a guided event acquiring unit configured to acquire a guided event being a weather event previously guided to the user; and a guidance control unit configured to determine that when a new event being a new weather event having occurred around the user is acquired, the new event that is identical in weather type to the guided event and that has an occurrence region without overlapping with that of the guided event is guided, and the new event that is identical in weather type to the guided event and that has an occurrence region overlapping with that of the guided event is not to be guided.

Abstract: Methods and systems for analyzing vehicle operation data associated with a temporary or periodic usage of a vehicle by a driver. In aspects, the driver may associate with an electronic device within the vehicle that may record or collect the vehicle operation data. After the vehicle operation has concluded, the vehicle operation data may be analyzed to assess a performance of the driver during operation of the vehicle, whereby the performance may be influenced by positive or negative driving events. Based on the performance of the driver, a profile or account of the user may be processed accordingly such that the user may be incentivized to modify certain driving behaviors.

Abstract: A system for use in a vehicle, the system comprising one or more sensors, one or more processors operatively coupled to the one or more sensors, and a memory including instructions, which when executed by the one or more processors, cause the one or more processors to perform a method. The method comprising capturing a current point cloud with the one or more sensors, determining an estimated location and an estimated heading of the vehicle, selecting one or more point clouds based on the estimated location and heading of the vehicle, simplifying the current point cloud and the one or more point clouds, correlating the current point cloud to the one or more point clouds, and determining an updated estimate of the location of the vehicle based on correlation between the current point cloud and the one or more point clouds.

Abstract: The present disclosure provides generally for methods and systems relating to relocation estimates. According to the present disclosure, sales representatives and prospective customers may have access to the relocation estimate system to see how a quote is being generated and what the resource allocation was. These parties may make suggestions or ask questions about how a quote was generated. These parties may correct or update a quote based on needs not known during an initial walkthrough. Based on information input by a user, the relocation estimate system may provide a quote in real-time.

Abstract: In order to improve the development, design and/or deployment of the complex embedded or the cyber-physical systems and in particular the complex software architectures being included and/or used therein of the different technical domains it is proposed a sophisticated expertise or tool-significant Measure Recommendation System. This Measure Recommendation System, particularly formed by the Computer-Program-Product, is tailored to determine and provide appropriate measures to effectively improve the decision-making process during the design, development and/or deployment of the systems of the different technical domains by automatically providing Measure Determining Vectors.

Abstract: A system and method simulates conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: A method includes accessing a first dataset including aerial imagery data, accessing a second dataset including property boundary data, and identifying property boundaries associated with a geographic area. A plurality of artificial-intelligence (AI) models are applied to the datasets to identify and compute information of interest. Based on the first dataset and constrained by the property boundaries, a building detection model can be applied to identify a building footprint, and a tree detection model can be applied to identify one or more trees. An estimated distance can be determined between each of the trees and a nearest portion of the building footprint as separation data, which can be compared to a defensible space guideline to determine a defensible space adherence score. A wildfire risk map can be generated, including the defensible space adherence score associated with the geographic area.

Abstract: A computer-implemented method for determining a reward associated with one or more transactions of a user may comprise obtaining travel data of the user via a device associated with the user, wherein the travel data includes travel dates of the user; obtaining, via one or more processors, exchange rate data based on the travel data of the user; determining, via the one or more processors, a value of the reward associated with the one or more transactions of the user during the travel dates based on the exchange rate data; transmitting, to the user, a notification indicative of the reward associated with the one or more transactions; and causing the reward associated with the one or more transactions to be directed to a financial account associated with the user.

Abstract: Automated systems and methods for implementing and managing the submission, quote, proposal and binding stages (i.e., placement process) for securing insurance coverage.

Abstract: A deceased notification system utilizing hub and spoke architecture to facilitate notifications to multiple organizations. By having all disparate and disjointed company deceased notification processes and their corresponding required documentation self-contained in one system, the invention provides a means for those settling estates to utilize a “hub and spoke” model to provide deceased notifications, whereby they register someone's death at the hub, and have the system proactively push deceased notifications to all pertinent organizations at the earliest time. This will save all parties time, provide quicker notifications to prevent deceased identity theft, as well as the stoppage of charges for services that are no longer needed, by the decedent.

Abstract: A method for determining national crop yields during the growing season is provided. In an embodiment, a server computer system receives agricultural data records for a particular year that represent covariate data values related to plants at a specific geo-location at a specific time. The system aggregates the records to create geo-specific time series for a geo-location over a specified time. The system creates aggregated time series from a subset of the geo-specific time series. The system selects a representative feature from the aggregated time series and creates a covariate matrix for each specific geographic area in computer memory. The system determines a specific state crop yield for a specific year using linear regression to calculate the specific state crop yield from the covariate matrix. The system determines a national crop yield for the specific year using the sum of the state crop yields for the specific year nationally adjusted.

Abstract: A driver assist analysis system includes a processing system and a database that stores vehicle data, vehicle operational data, vehicle accident data, and environmental data related to the configuration and operation of a plurality of vehicles with driver assist systems or features. The driver assist analysis system also includes one or more analysis engines that execute on the processing system to determine one or more driving anomalies (e.g., accidents or poor driving operation) based on the vehicle operational data, and that correlate or determine a relationship between the driving anomalies and the operation of the driver assist systems or features. The driver assist analysis system then determines an effectiveness of operation of one or more of the driver assist systems or features as a statistical measure based on the determined relationship and the driver assist analysis system notifies a user or receiver, such as a manufacturer or an insurance company of the statistical measure.

Abstract: The present disclosure provides a computer-implemented method and system for onboarding users for financial institutions using virtual reality and augmented reality. The computer-implemented method and system corresponds to a visualization based onboarding system. The visualization based onboarding system collects a first set of data. The visualization based onboarding system obtains a second set of data. The visualization based onboarding system receives a third set of data. The visualization based onboarding system maps the first set of data associated with one or more institution environment essentials, the second set of data associated with a plurality of architectural information, and the third set of data associated with a plurality of financial services. The visualization based onboarding system creates a virtual reality and augmented reality model.

Abstract: A DI recovery management system generates a plurality of ranked claimant records and recovery scores. A predictive machine learning model inputs disability income claim data and disability income claimant data into an event history model utilizing discrete-time survival analysis in conjunction with a gradient boosting machine learning model. The claim termination event is one of a plurality of preselected recovery events that indicate that a claimant has achieved return to work capacity. Claimant data used in modeling includes diagnosis data representative of workplace disability duration guidelines. The predictive machine learning model is continually trained using updated disability income claims data. The training procedure transforms claimant records extracted from a DI claims database into a longitudinal format that includes multiple person-year records corresponding to each claimant record.

Abstract: An acquisition unit acquires at least one of first information and second information. A notification unit provides warning information to the driver, the warning information being generated based on at least one of the first information and the second information acquired and indicating a possibility of an increase in an insurance premium of an insurance applied to the driver. An reception unit receives acceptance of the provided warning information from the driver. A processor determines to transmit the acceptance by the driver of the possibility of an increase in the insurance premium to an insurance company server when the acceptance is received and determines to transmit at least one of the first information and the second information to the insurance company server when acceptance is not received.

Abstract: A location associated with an on-demand electric vehicle is determined dynamically during a ride to be associated with one or more restrictions. Configuration data is used to enforce the one or more restrictions with respect to operation of the on-demand electric vehicle in connection with the ride.

Abstract: Systems and methods for automatically determining, in near real-time, whether a vehicular incident has occurred and for automatically assessing whether the driver of a specific vehicle contributed to that incident. Data related to a specific vehicle is gathered by at least one sensor. The data is then transmitted to a data processing unit, which uses an incident detection module to determine whether an incident occurred. The system may verify that conclusion by sending a message to the vehicle occupant(s). The system may also take actions in response to the incident. If an incident has occurred, the data processing unit can use the vehicle-related data, as well as external data, to assess the contribution of the vehicle's driver. The system may comprise one or more neural networks. The system may also comprise a database for storing the vehicle-related data.

Abstract: Systems and apparatuses for generating surface dimension outputs are provided. The system may collect an image from a mobile device. The system may analyze the image to determine whether they comprise one or more standardized reference objects. Based on analysis of the image and the one or more standardized reference objects, the system may determine a surface dimension output. The system may determine one or more settlement outputs and one or more repair outputs for the driver based on the surface dimension output.

Abstract: A new design strategy based upon finite state machine models is used to develop a policy administration system. The policy administration system comprises a plurality of finite state machined-based households, each of which is defined by a set of states represented by data that describe or relate to various policies associated with each household, a set of events represented by transactions that operate on the data, and/or a set of transition functions represented by transaction logics and/or product rules that govern how the transactions are processed. In this manner, each finite state machine-based household becomes a type of self-contained policy administration system that may be executed and managed concurrently. Each policy may be an insurance policy, such as an auto, home, life, renters, personal articles, or health insurance policy. Each finite state machine-based or virtual household may facilitate managing, updating, or generating insurance policies for the household and/or household members.

Abstract: In particular, systems and methods for facilitating the purchase of health-related items such as durable medical equipment are provided. In one embodiment, a method comprises: responsive to a selection of a health-related product input by a user, automatically determining if the health-related product is a qualified healthcare expense; calculating an out-of-pocket cost to the user of the healthcare product based on a health insurance plan of the user; and generating a coupon for the health-related product that discounts a retail cost of the health-related product to the out-of-pocket cost responsive to a merchant accepting the coupon. In this way, a healthcare consumer may utilize their healthcare insurance benefits to purchase health-related products such as durable medical equipment from retail merchants.

Abstract: Systems and methods are disclosed for identifying high risk parking lots. High risk parking lots may be, for example, parking lots that pose a higher than average risk of collisions and/or theft. Auto insurance claim data may be analyzed to identify hazardous areas. A virtual navigation of roads within the hazardous area may be identified. Public parking lots within the virtual navigation map may be defined, with each public parking lot determined as either in a hazardous area or not. A vehicle may be determined to be approaching or parking in a parking lot in a hazardous area, and a nearby public parking lot not associated with the hazardous area may be selected instead. A route from a current position to the nearby public parking lot may be generated, and the vehicle may be routed to the nearby public parking lot. As a result, collisions and thefts may be reduced.

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 system to provide an automated risk relationship resource allocation tool via back-end application computer server of an enterprise. A resource allocation data store may contain electronic records representing requested resource allocations between the enterprise and a plurality of entities. The server may receive an indication of a selected requested resource allocation and retrieve, from the resource allocation data store, the electronic record associated with the selected requested resource allocation. The server may execute a machine learning algorithm to generate an overall score for the selected requested resource allocation and generate a request health index via an analytic model for the entity associated with the selected requested resource allocation. The system may then support a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing resource allocation data including the overall score and the request health index.

Abstract: One or more devices in a driving data analysis system may be configured to receive and execute a driving data analysis software application. One or more servers may provide a driving data analysis software application to various driving data analysis devices, such as mobile user devices and/or on-board vehicle systems. The driving data analysis devices may be configured to execute the driving data analysis software application, to receive/collect various driving data, analyze the driving data, and determine eligibility for one or more insurance offers based on the analysis of the driving data. For insurance offers based on driving data, insurance offer vouchers may be generated by the driving data analysis device and transmitted to an insurance provider server to redeem the insurance offer.