SYSTEMS AND METHODS FOR ALLOCATING VEHICLE COSTS BETWEEN VEHICLE USERS USING PRE-PAID ACCOUNTS

1 . A vehicle cost allocation (VCA) computing device for managing payment of vehicle costs for a plurality of vehicle drivers of a shared vehicle, the VCA computing device comprising:

a memory; and

a processor, wherein the processor is programmed to:

retrieve, from the memory, vehicle policies associated with the shared vehicle having the plurality of vehicle drivers associated therewith, wherein the vehicle policies define cost-sharing rules for distributing the vehicle costs among the plurality of vehicle drivers for the shared vehicle;

receive vehicle usage data for a plurality of trips over an initial period of time and, subsequently, over a predetermined interval of time, the vehicle usage data indicative of usage of the shared vehicle by each of the plurality of vehicle drivers during the initial period of time and the predetermined interval of time, the vehicle usage data generated by sensors included within (i) the shared vehicle or (ii) one or more user computing devices of the plurality of vehicle drivers;

generate, based upon the received vehicle usage data for the initial period of time, a driver profile for each of the plurality of vehicle drivers, each driver profile including driving characteristics associated with each respective vehicle driver while driving the shared vehicle;

identify, based upon each driver profile and the received vehicle usage data for the predetermined period of time, which vehicle driver of the plurality of vehicle drivers is driving the shared vehicle for each of the plurality of trips over the predetermined interval of time;

apply the retrieved cost-sharing rules defined in the vehicle policies to the received vehicle usage data to determine a respective portion of a total vehicle cost to be allocated to each identified vehicle driver, the total vehicle cost associated with the shared vehicle over the predetermined interval of time and including sub-costs owed to different payees, the sub-costs including at least one of a total insurance cost, a total maintenance cost, and a prepaid cost associated with a prepaying one of the vehicle drivers;

cause display, on an interactive user interface at the one or more user computing devices, of a respective pseudo-bill for each corresponding one of the plurality of vehicle drivers, the pseudo-bill including the respective portion of the total vehicle cost and respective portions of the sub-costs allocated to the corresponding identified vehicle driver;

access, from the memory, payor financial account information associated with each identified vehicle driver to identify a respective pre-paid account for each identified vehicle driver; and

transmit, for each identified vehicle driver, payment instructions to a respective payor financial institution associated with each respective pre-paid account, the payment instructions causing the respective payor financial institution to automatically transfer funds corresponding to each of the sub-costs to respective payee financial institutions associated with the different payees.

2 . The VCA computing device of claim 1 , wherein the processor is further programmed to:

identify a first segment of the total vehicle cost, the first segment independent of the sub-costs and equally associated with the plurality of vehicle drivers;

access a joint pre-paid account associated with the plurality of vehicle drivers; and

transmit instructions to a financial institution associated with the joint pre-paid account to withdraw funds corresponding to the first segment of the total vehicle cost.

3 . (canceled)

4 . The VCA computing device of claim 1 , wherein the vehicle usage data includes biometric data, and wherein the processor is further configured to identify which vehicle driver is driving the shared vehicle for each of the plurality of trips during the initial period of time by processing the biometric data.

5 . The VCA computing device of claim 1 , wherein the processor is further configured to identify which vehicle driver is driving the shared vehicle during the initial period of time by detecting the one or more user computing devices paired with a vehicle computing device associated with the shared vehicle during each of the plurality of trips.

6 . The VCA computing device of claim 1 , wherein the vehicle usage data includes sensor data received from the one or more user computing devices within the shared vehicle during the plurality of trips, and wherein the processor is further configured to identify which vehicle driver is driving the shared vehicle for each of the plurality of trips during the initial period of time by processing the sensor data.

7 . (canceled)

8 . (canceled)

9 . The VCA computing device of claim 1 , wherein the vehicle usage data includes telematics data collected by the sensors for the plurality of trips, and wherein the processor is further configured to identify which vehicle driver is driving the shared vehicle for each of the plurality of trips during the initial period of time by processing the telematics data.

10 . The VCA computing device of claim 1 , wherein one of the sub-costs to be allocated to each identified vehicle driver is a usage-based insurance cost associated with a specific driver, a specific autonomous vehicle, or a specific trip.

11 . A computer-implemented method for managing payment of vehicle costs for a plurality of vehicle drivers of a shared vehicle, the method implemented using a vehicle cost allocation (VCA) computing device, the VCA computing device including a processor and a memory, the method comprising:

retrieving, from the memory, vehicle policies associated with the shared vehicle having the plurality of vehicle drivers associated therewith, wherein the vehicle policies define cost-sharing rules for distributing the vehicle costs among the plurality of vehicle drivers for the shared vehicle;

receiving vehicle usage data for a plurality of trips over an initial period of time and, subsequently, over a predetermined interval of time, the vehicle usage data indicative of usage of the shared vehicle by each of the plurality of vehicle drivers during the initial period of time and the predetermined interval of time, the vehicle usage data generated by sensors included within (i) the shared vehicle or (ii) one or more user computing devices of the plurality of vehicle drivers;

generating, based upon the received vehicle usage data for the initial period of time, a driver profile for each of the plurality of vehicle drivers, each driver profile including driving characteristics associated with each respective vehicle driver while driving the shared vehicle;

identifying, based upon each driver profile and the received vehicle usage data for the predetermined period of time, which vehicle driver of the plurality of vehicle drivers is driving the shared vehicle for each of the plurality of trips over the predetermined interval of time;

applying the retrieved cost-sharing rules defined in the vehicle policies to the received vehicle usage data to determine a respective portion of a total vehicle cost to be allocated to each identified vehicle driver, the total vehicle cost associated with the shared vehicle over the predetermined interval of time and including sub-costs owed to different payees, the sub-costs including at least one of a total insurance cost, a total maintenance cost, and a prepaid cost associated with a prepaying one of the vehicle drivers;

causing display, on an interactive user interface at the one or more user computing devices, of a respective pseudo-bill for each corresponding one of the plurality of vehicle drivers, the pseudo-bill including the respective portion of the total vehicle cost and respective portions of the sub-costs allocated to the corresponding identified vehicle driver;

accessing, from the memory, payor financial account information associated with each identified vehicle driver; and

transmitting, for each identified vehicle driver, payment instructions to a respective payor financial institution associated with each respective pre-paid account, the payment instructions causing the respective payor financial institution to automatically transfer funds corresponding to each of the sub-costs to respective payee financial institutions associated with the different payees.

12 . (canceled)

13 . The computer-implemented method of claim 11 ,

further comprising, via the processor:

identifying a first segment of the total vehicle cost, the first segment independent of the sub-costs and equally associated with the plurality of vehicle drivers;

accessing a joint pre-paid account associated with the plurality of vehicle drivers; and

transmitting instructions to a financial institution associated with the joint pre-paid account to withdraw funds corresponding to the first segment of the total vehicle cost.

14 . The computer-implemented method of claim 11 , wherein the vehicle usage data includes biometric data, and wherein the method further comprises, via the processor, identifying which vehicle driver is driving the shared vehicle for each of the plurality of trips during the initial period of time by processing the biometric data.

15 . The computer-implemented method of claim 11 , further comprising, via the processor, identifying which vehicle driver is driving the shared vehicle during the initial period of time by detecting the one or more user computing devices paired with a vehicle computing device associated with the shared vehicle during each of the plurality of trips.

16 . The computer-implemented method of claim 11 , wherein the vehicle usage data includes sensor data received from the one or more user computing devices within the shared vehicle during the plurality of trips, and wherein the method further comprises, via the processor, identifying which vehicle driver is driving the shared vehicle for each of the plurality of trips during the initial period of time by processing the sensor data.

17 . (canceled)

18 . (canceled)

19 . The computer-implemented method of claim 11 , wherein the vehicle usage data includes telematics data collected by the sensors for the plurality of trips, and wherein the method further comprises, via the processor, identifying which vehicle driver is driving the shared vehicle for each of the plurality of trips during the initial period of time by processing the telematics data.

20 . The computer-implemented method of claim 11 , wherein one of the sub-costs to be allocated to each identified vehicle driver is a usage-based insurance cost associated with at least one of a specific driver, a specific autonomous vehicle, and a specific trip.

21 . The VCA computing device of claim 1 , wherein the processor is further programmed to determine a risk level associated with each identified vehicle driver, and wherein the respective portion of the total vehicle cost allocated to each identified vehicle driver is based upon the risk level determined for each identified vehicle driver.

22 . (canceled)

23 . The VCA computing device of claim 1 , wherein the processor is further programmed to generate the driver profile using machine learning functionality.

24 . The VCA computing device of claim 1 , wherein the processor is further programmed to maintain the driver profile using machine learning functionality.

25 . The VCA computing device of claim 1 , wherein the processor is further programmed to receive, from the one or more user computing devices, a plurality of confirmation messages each confirming a vehicle driver of the plurality of vehicle drivers for one or more of the plurality of trips during the initial period of time.