SYSTEMS AND METHODS FOR ALLOCATING VEHICLE COSTS BETWEEN VEHICLE USERS BY DETERMINING A VEHICLE DRIVER

1 . A server computing device for detecting, from among a plurality of vehicle users of a vehicle, a driver for a trip, wherein a plurality of user computing devices are associated with the plurality of vehicle users, each of the plurality of user computing devices configured to pair with a vehicle computing device of the vehicle to form a wireless connection, the server computing device comprising a memory and a processor, the processor in communication with the vehicle and with the plurality of user computing devices, wherein the processor is programmed to:

in response to a pairing of the vehicle computing device with a plurality of occupant user computing devices from the plurality of user computing devices, generate a trip report identifying a plurality of occupants from the plurality of vehicle users, the plurality of occupants associated with the plurality of occupant user computing devices;

receive, from a first application executing on the vehicle computing device, first trip telematics data captured using first sensors of the vehicle;

receive, from a plurality of second applications executing on the plurality of occupant user computing devices, second telematics data captured using second sensors of the plurality of occupant user computing devices;

retrieve, for each of the plurality of occupants identified in the trip report, a historical driver profile including respective driving characteristics for the corresponding occupant;

identify one of the plurality of occupants as the driver for the trip by comparing the retrieved historical driver profiles to the corresponding first and second trip telematics data for the trip, wherein the corresponding first and second trip telematics data for the trip is processed using machine learning techniques executed by the processor;

in response to identifying the driver for the trip, cause one of the plurality of second applications that is executing on a first of the user computing devices associated with the identified driver to display a prompt requesting confirmation that the identified driver was in fact the driver;

receive, from the one of the plurality of second applications that is executing on the first user computing device, an indication of the confirmation; and

in response to receiving the indication of the confirmation, update the historical driver profile associated with the determined driver of the trip with the first and second trip telematics data for the trip using the machine learning techniques executed by the processor.

2 - 3 . (canceled)

4 . The server computing device of claim 1 , wherein the processor is further configured to confirm which vehicle user of the plurality of occupants is the driver for the trip by processing biometric data associated with the trip.

5 - 7 . (canceled)

8 . The server computing device of claim 1 , wherein the processor is further configured to confirm which vehicle user of the plurality of occupants is the driver for the trip by determining which key of a plurality of keys is associated with operation of the vehicle during the trip, wherein each key of the plurality of keys is associated with a respective vehicle user of the plurality of vehicle users.

9 - 10 . (canceled)

11 . A computer-implemented method for detecting, from among a plurality of vehicle users of a vehicle, a driver for a trip, wherein a plurality of user computing devices are associated with the plurality of vehicle users, each of the plurality of user computing devices configured to pair with a vehicle computing device of the vehicle to form a wireless connection, the method implemented using a server computing device including a processor and a memory, the processor in communication with the vehicle and with the plurality of user computing devices, the computer-implemented method comprising:

in response to a pairing of the vehicle computing device with a plurality of occupant user computing devices from the plurality of user computing devices, generating, by the server computing device, a trip report identifying a plurality of occupants from the plurality of vehicle users, the plurality of occupants associated with the plurality of occupant user computing devices;

receiving, by the server computing device from a first application executing on the vehicle computing device, first trip telematics data captured using first sensors of the vehicle;

receiving, by the server computing device from a plurality of second applications executing on the plurality of occupant user computing devices, second telematics data captured using second sensors of the plurality of occupant user computing devices;

retrieving, by the server computing device, for each of the plurality of occupants identified in the trip report, a historical driver profile including respective driving characteristics for the corresponding occupant;

identifying, by the server computing device, one of the plurality of occupants as the driver for the trip by comparing the retrieved historical driver profiles to the corresponding first and second trip telematics data for the trip, wherein the corresponding first and second trip telematics data for the trip is processed using machine learning techniques executed by the processor;

in response to identifying the driver for the trip, causing, by the server computing device, one of the plurality of second applications that is executing on a first of the user computing devices associated with the identified driver to display a prompt requesting confirmation that the identified was in fact the driver;

receiving, by the server computing device, from the one of the plurality of second applications that is executing on the first user computing device, an indication of the confirmation; and

in response to receiving the indication of the confirmation, updating, by the server computing device, the historical driver profile associated with the determined driver of the trip with the first and second trip telematics data for the trip using the machine learning techniques executed by the processor.

12 - 13 . (canceled)

14 . The computer-implemented method of claim 11 , further comprising confirming, by the server computing device, which vehicle user of the plurality of occupants is the driver for the trip by processing biometric data associated with the trip.

15 - 17 . (canceled)

18 . The computer-implemented method of claim 11 , further comprising confirming, by the server computing device, which vehicle user of the plurality of occupants is the driver for the trip by determining which key of a plurality of keys is associated with operation of the vehicle during the trip, wherein each key of the plurality of keys is associated with a respective vehicle user of the plurality of vehicle users.

19 - 20 . (canceled)

21 . The server computing device of claim 1 , wherein the processor is further configured to:

retrieve insurance policy information associated with the driver;

retrieve one or more vehicle policies provided by the plurality of vehicle users;

determine an insurance cost associated with the trip based at least in part upon the insurance policy information and the one or more vehicle policies; and

allocate the insurance cost between the plurality of occupants by transmitting a notification to a corresponding user computing device of each occupant including the corresponding allocated insurance cost, wherein the notification is displayed within a vehicle cost tracking software application executed on the corresponding user computing device.

22 . The server computing device of claim 4 , wherein the vehicle includes a biometric sensor configured to generate the biometric data.

23 . The server computing device of claim 1 , wherein the first sensors of the vehicle and the second sensors of the user computing devices each include an accelerometer configured to generate acceleration data, and wherein the first and second trip telematics data each include the acceleration data.

24 . The server computing device of claim 1 , wherein the processor is further configured to:

receive, from the first application executing on the vehicle computing device, a paired device record including a record of when each of the user computing devices are paired with the vehicle; and

retrieve the second trip telematics data from the plurality of second applications respectively executing on the user computing devices identified in the paired device record.

25 . The computer-implemented method of claim 11 , further comprising:

retrieving, by the server computing device, insurance policy information associated with the driver;

retrieving, by the server computing device, one or more vehicle policies provided by the plurality of vehicle users;

determining, by the server computing device, an insurance cost associated with the trip based at least in part upon the insurance policy information and the one or more vehicle policies; and

allocating, by the server computing device, the insurance cost between the plurality of occupants by transmitting a notification to a corresponding application of the plurality of second applications that is executing on a corresponding user computing device of each vehicle user including the corresponding allocated insurance cost.

26 . The computer-implemented method of claim 14 , wherein the vehicle includes a biometric sensor configured to generate the biometric data.

27 . The computer-implemented method of claim 11 , wherein the first sensors of the vehicle and the second sensors of the user computing devices each include an accelerometer configured to generate acceleration data, and wherein the first and second trip telematics data each include the acceleration data.

28 . The computer-implemented method of claim 11 , further comprising:

receiving, by the server computing device, from the first application executing on the vehicle computing device, a paired device record including a record of when each of the user computing devices are paired with the vehicle; and

retrieving, by the server computing device, the second trip telematics data from the plurality of second applications respectively executing on the user computing devices identified in the paired device record.

29 . The server computing device of claim 21 , wherein the processor is further programmed to:

determine one or more other vehicle costs associated with the trip; and

allocate the one or more other vehicle costs based at least in part upon the one or more vehicle policies.

30 . The server computing device of claim 29 , wherein the processor is further programmed to:

allocate a first portion of the one or more vehicle costs to the driver; and

allocate a second portion, the second portion greater that the first portion, of the one or more other vehicle costs to each other vehicle user of the plurality of occupants.

31 . The server computing device of claim 21 , wherein the insurance cost is a usage-based insurance cost associated with a specific driver, a specific autonomous vehicle, or a specific trip.

32 . The computer-implemented method of claim 25 , further comprising:

determining, by the server computing device, one or more other vehicle costs associated with the trip; and

allocating, by the server computing device, the one or more other vehicle costs based at least in part upon the one or more vehicle policies.

33 . The computer-implemented method of claim 32 , further comprising:

allocating, by the server computing device, a first portion of the one or more vehicle costs to the driver; and

allocating, by the server computing device, a second portion, the second portion greater that the first portion, of the one or more other vehicle costs to each other vehicle user of the plurality of occupants.

34 . The computer-implemented method of claim 25 , wherein the insurance cost is a usage-based insurance cost associated with a specific driver, a specific autonomous vehicle, or a specific trip.