Systems and methods for generating and updating an inventory of personal possessions of a user for insurance purposes

    公开(公告)号:US11861722B2

    公开(公告)日:2024-01-02

    申请号:US16793810

    申请日:2020-02-18

    申请人: BlueOwl, LLC

    摘要: A computing system for generating a list of items predicted to be associated with a candidate user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to generate a predictive possession model, receive personal data associated with the candidate user, predict a first set of items owned by the candidate user, assign a value and a range of predesignated values for each item included in the first set of items, cause the first set of items and their corresponding values to be displayed on a user device of the candidate user, and prompt the candidate user to input confirmation data including one of a confirmation that the first set of items accurately describes a set of actual items possessed by the candidate user and a confirmation that the values corresponding to the first set of items are satisfactory.

    PROJECTION SYSTEM FOR SMART RING VISUAL OUTPUT

    公开(公告)号:US20230376113A1

    公开(公告)日:2023-11-23

    申请号:US18229393

    申请日:2023-08-02

    申请人: BlueOwl, LLC

    摘要: 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.

    Systems and methods for identifying distracted driving events using common features

    公开(公告)号:US11810198B2

    公开(公告)日:2023-11-07

    申请号:US16883403

    申请日:2020-05-26

    申请人: BlueOwl, LLC

    摘要: A distracted driving analysis system for identifying distracted driving events is provided. The system includes a processor in communication with a memory device, and the processor is programmed to: (i) receive labeled training data, the labeled training data including driving event records (a) each labeled as an actual distracted driving event or a passenger event and (b) including phone usage by a user that occurred within a time period of a driving event, (ii) identify common features of the actual distracted driving events and the passenger events by processing the training data using a supervised machine learning algorithm, (iii) generate a trained model based at least in part upon the identified common features, (iv) process a new driving event, (v) assign the new driving event based at least in part upon features of the new driving event, and/or (vi) determine whether the new driving event is an actual distracted driving event or a passenger event.

    SYSTEMS AND METHODS FOR PROVIDING VEHICLE INSURANCE DISCOUNTS BASED ON USER SELECTION OF DISCOUNT VALUES

    公开(公告)号:US20230306524A1

    公开(公告)日:2023-09-28

    申请号:US17695587

    申请日:2022-03-15

    申请人: BlueOwl, LLC

    IPC分类号: G06Q40/08 G06Q30/02

    CPC分类号: G06Q40/08 G06Q30/0207

    摘要: Method and system for providing vehicle insurance discounts. For example, the method includes receiving a first discount value determined by a user for an insurance policy of a vehicle, generating statistical data associated with the first discount value, presenting the statistical data to the user, applying the first discount value to the insurance policy for a predetermined period of time, collecting driving data associated with trips made by the vehicle during the predetermined period of time, analyzing the driving data to determine a second discount value for the insurance policy, and after the predetermined period of time, replacing the first discount value with the second discount value and applying the second discount value to the insurance policy.

    Systems and methods for identifying distracted driving events using unsupervised clustering

    公开(公告)号:US11738759B2

    公开(公告)日:2023-08-29

    申请号:US18051647

    申请日:2022-11-01

    申请人: BlueOwl, LLC

    IPC分类号: B60W40/09 G06N20/00 G06Q40/08

    摘要: A distracted driving analysis system for identifying distracted driving events is provided. The system includes a processor in communication with a memory device programmed to: (i) receive driving event records including phone usage by a user that occurred within a time period of a driving event, (ii) divide the driving event records into at least two clusters based at least in part upon common features of one or more driving event records of the plurality of driving event records by processing the driving event records using an unsupervised machine learning algorithm, (iii) generate a trained model based at least in part upon the at least two clusters including cluster labels, (iv) process a new driving event using the trained model, (v) assign the new driving event to one of the at least two clusters using the trained model, and (vi) based at least in part upon the cluster labels for the assigned cluster, determine whether the new driving event is an actual distracted driving event or a passenger event.

    SYSTEMS AND METHODS FOR PRESENTING SHARED IN-GAME OBJECTIVES IN VIRTUAL GAMES

    公开(公告)号:US20230256343A1

    公开(公告)日:2023-08-17

    申请号:US18304520

    申请日:2023-04-21

    申请人: BlueOwl, LLC

    摘要: Method and system for presenting in-game objectives in a virtual game. For example, the method includes determining first real-world driving characteristics based upon first real-world telematics data of a first real-world user, determining second real-world driving characteristics based upon second real-world telematics data of a second real-world user, generating a shared virtual map based upon the first real-world driving characteristics and the second real-world driving characteristics, generating a shared in-game objective based upon the shared virtual map, presenting the shared in-game objective to a first virtual character associated with the first real-world driving characteristics of the first real-world user and a second virtual character associated with the second real-world driving characteristics of the second real-world user, and allowing the first virtual character and the second virtual character to accomplish the shared in-game objective in the shared virtual map.

    SYSTEMS AND METHODS FOR GENERATING AN INVENTORY OF PERSONAL POSSESSIONS OF A USER FOR INSURANCE PURPOSES

    公开(公告)号:US20230186236A1

    公开(公告)日:2023-06-15

    申请号:US18166690

    申请日:2023-02-09

    申请人: BlueOwl, LLC

    摘要: A computing system for generating a list of possessions associated with a user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to receive image data, analyze the image data to identify at least one possession, update a user profile to include the identified at least one possession, determine additional information is needed to accurately estimate a value associated with the at least one possession, generate and transmit an additional information prompt to a user computing device, receive, from the user computing device, the additional information, estimate, using the additional information, the value associated with the at least one possession, and update the user profile to include the estimated value associated with the at least one possession stored in association with the at least one possession.

    MANAGING VEHICLE OPERATOR PROFILES BASED ON TELEMATICS INFERENCES VIA A TELEMATICS MARKETPLACE WITH CONTROLLED ACCESS

    公开(公告)号:US20230120395A1

    公开(公告)日:2023-04-20

    申请号:US18065996

    申请日:2022-12-14

    申请人: BlueOwl, LLC

    IPC分类号: G06F21/62

    摘要: Method, system, device, and non-transitory computer-readable medium for data management. In some examples, a computer-implemented method includes: collecting a plurality of personal data sets continually; collecting a plurality of sensor data sets continually via one or more sensing modules, and generating and continually updating an operator profile, determining and continually updating one or more telematics interferences; generating and continually updating a data profile; and receiving one or more access policies associated with the data profile; and listing and continually updating the data profile onto a telematics marketplace according to the one or more access policies such that only marketplace consumers having one or more consumer classifications satisfying the one or more access polices can access the data profile.