CLOUD-BASED VEHICULAR TELEMATICS SYSTEMS AND METHODS FOR GENERATING HYBRID EPOCH DRIVER PREDICTIONS USING EDGE-COMPUTING

1 . A computer-implemented method for generating a hybrid epoch score for a user using edge-computing, the method comprising:

retrieving, by an edge-computing device, prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch;

collecting, using one or more sensors of the edge-computing device, recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch;

generating, using the edge-computing device, a prior epoch score based at least in part upon the prior telematics data;

generating, using the edge-computing device, a partial current epoch score based at least in part upon the recent telematics data;

generating, using the edge-computing device, a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score;

determining, using the edge-computing device, a comparison result by at least comparing the hybrid current epoch score of the user to hybrid current epoch scores of one or more related users; and

presenting the comparison result to the user via a display associated with the edge-computing device.

2 . The computer-implemented method of claim 1 , wherein:

the prior epoch is associated with a prior epoch time;

the one or more recent trips is associated with a recent driving time and an elapsed time, the recent driving time being the amount of time the vehicle was under operation in the current epoch, the elapsed time being the amount of time that has passed in the current epoch; and

the generating the hybrid current epoch score includes:

determining, using the edge-computing device, a remaining time of the current epoch as the prior epoch time minus the elapsed time; and

determining, using the edge-computing device, the hybrid current epoch score based at least in part upon adding:

the prior epoch score multiplied by the remaining time; and

the partial current epoch score multiplied by the recent driving time.

3 . The computer-implemented method of claim 1 , wherein:

the current epoch is associated with a plurality of time segments;

each recent trip of the plurality of recent trips is associated with one or more time segments of the plurality of time segments;

the generating the partial current epoch score includes:

assigning, using the edge-computing device, each segment of the plurality of time segments with the prior epoch score;

generating, for each recent trip of the plurality of recent trips using the edge-computing device, a partial current epoch score based at least in part upon the recent telematics data; and

updating, for each recent trip of the plurality of recent trips using the edge-computing device, the associated one or more time segments with the associated partial current epoch score; and

the generating the hybrid current epoch score includes generating, using the edge-computing device, the hybrid current epoch score based at least in part upon:

the partial current epoch score for each segment of the plurality of time segments that was updated; and

the prior epoch score for each segment of the plurality of time segments that was not updated.

4 . The computer-implemented method of claim 1 , further comprising

retrieving, from at least one of the edge-computing device and the server, historic telematics data indicative of the operation of the vehicle by the user during one or more historic trips in one or more historic epochs; and

determining, using the edge-computing device, a historic epoch time based at least in part upon the historic telematics data, the historic epoch time being the average total time of a historic epoch of the one or more historic epochs;

wherein:

the one or more recent trips is associated with a recent driving time and an elapsed time, the recent driving time being the amount of time the vehicle was under operation in the current epoch, the elapsed time being the amount of time that has passed in the current epoch;

the generating the hybrid current epoch score includes:

determining, using the edge-computing device, a remaining time of the current epoch as the historic epoch time minus the elapsed time; and

determining, using the edge-computing device, the hybrid current epoch score based at least in part upon adding:

the partial current epoch score multiplied by a ratio of the elapsed time to a time historically driven per epoch; and

the prior epoch score multiplied by a ratio of the remaining time to the time historically driven per epoch.

5 . The computer-implemented method of claim 1 , wherein:

the prior telematics data include:

prior qualitative data indicative of one or more prior driving behaviors of the user during the one or more prior trips; and

prior quantitative data indicative of a prior driving time in the prior epoch; the recent telematics data include:

recent qualitative data indicative of one or more recent driving behaviors of the user during the one or more recent trips; and

recent quantitative data indicative of a recent driving time in the current epoch;

the generating the prior epoch score includes generating, using the edge-computing device, the prior epoch score based at least in part upon the prior qualitative data and the prior quantitative data;

the generating the partial current epoch score includes generating, using the edge-computing device, the partial current epoch score based at least in part upon the recent qualitative data and the recent quantitative data; and

the generating the hybrid current epoch score includes generating, using the edge-computing device, the hybrid current epoch score based at least in part upon the prior qualitative data, the prior quantitative data, the recent qualitative data, and the recent quantitative data.

6 . The computer-implemented method of claim 1 , wherein the:

collecting the recent telematics data includes collecting, using one or more sensors of the edge-computing device, the recent telematics data at least one of in real-time, in near real-time, and/or continuously;

generating the partial current epoch score includes generating, using the edge-computing device, the partial current epoch score at least one of in real-time, in near real-time, and/or continuously; and

generating the hybrid current epoch score includes generating, using the edge-computing device, the hybrid current epoch score at least one of in real-time, in near real-time, and/or continuously.

7 . The computer-implemented method of claim 1 , further comprising:

retrieving third-party information associated with at least one of the one or more prior trips and the one or more recent trips;

wherein at least one of the:

generating the prior epoch score includes generating, using the edge-computing device, the prior epoch score based at least in part upon the prior telematics data and the third-party information; and

generating the partial current epoch score includes generating, using the edge-computing device, the partial current epoch score based at least in part upon the recent telematics data and the third-party information.

8 . The computer-implemented method of claim 1 , further comprising:

presenting the hybrid current epoch score to the user via a display associated with the edge-computing device.

9 . The computer-implemented method of claim 1 , further comprising:

determining, using the edge-computing device, a rate or discount for an associated product or an associated service based at least in part upon the hybrid current epoch score; and

presenting the rate or discount to the user via a display associated with the edge-computing device.

10 . (canceled)

11 . The computer-implemented method of claim 1 , further comprising:

detecting, using the one or more sensors associated with the edge-computing device, whether the vehicle is being operated by the user; and

collecting, in response to detecting that the vehicle is being operated by the user, telematics data using the one or more sensors.

12 . The computer-implemented method of claim 1 , wherein at least one of the:

generating the prior epoch score includes generating, using a neural network of the edge-computing device, the prior epoch score based at least in part upon the prior telematics data;

generating the partial current epoch score includes generating, using a neural network of the edge-computing device, the partial current epoch score based at least in part upon the recent telematics data; and

generating the hybrid current epoch score includes generating, using a neural network of the edge-computing device, the hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score.

13 . A system for generating a hybrid epoch score for a user, the system comprising:

a data retrieving module configured to:

retrieve, by an edge-computing device and a server, prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch;

a data collecting module configured to:

collect, using one or more sensors of the edge-computing device, recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch; and

an epoch score generating module configured to:

generate, using the edge-computing device, a prior epoch score based at least in part upon the prior telematics data;

generate, using the edge-computing device, a partial current epoch score based at least in part upon the recent telematics data;

generate, using the edge-computing device, a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score;

determining, using the edge-computing device, a comparison result by at least comparing the hybrid current epoch score of the user to hybrid current epoch scores of one or more related users; and

presenting the comparison result to the user via a display associated with the edge-computing device.

14 . The system of claim 13 , wherein:

the prior epoch is associated with a prior epoch time;

the one or more recent trips is associated with a recent driving time and an elapsed time, the recent driving time being the amount of time the vehicle was under operation in the current epoch, the elapsed time being the amount of time that has passed in the current epoch; and

the epoch score generating module is configured to generate the hybrid current epoch score by at least:

determining, using the edge-computing device, a remaining time of the current epoch as the prior epoch time minus the elapsed time; and

determining, using the edge-computing device, the hybrid current epoch score based at least in part upon adding:

the prior epoch score multiplied by the remaining time; and

the partial current epoch score multiplied by the recent driving time.

15 . The system of claim 13 , wherein:

the current epoch is associated with a plurality of time segments;

each recent trip of the plurality of recent trips is associated with one or more time segments of the plurality of time segments;

the epoch score generating module is configured to:

generate the partial current epoch score by at least:

assigning, using the edge-computing device, each segment of the plurality of time segments with the prior epoch score;

generating, for each recent trip of the plurality of recent trips using the edge-computing device, a partial current epoch score based at least in part upon the recent telematics data; and

updating, for each recent trip of the plurality of recent trips using the edge-computing device, the associated one or more time segments with the associated partial current epoch score; and

generate, using the edge-computing device, the hybrid current epoch score based at least in part upon:

the partial current epoch score for each segment of the plurality of time segments that was updated; and

the prior epoch score for each segment of the plurality of time segments that was not updated.

16 . The system of claim 13 , wherein:

the data retrieving module is further configured to retrieve, from at least one of the edge-computing device and the server, historic telematics data indicative of the operation of the vehicle by the user during one or more historic trips in one or more historic epochs;

the one or more recent trips is associated with a recent driving time and an elapsed time, the recent driving time being the amount of time the vehicle was under operation in the current epoch, the elapsed time being the amount of time that has passed in the current epoch; and

the epoch score generating module is configured to:

determine, using the edge-computing device, a historic epoch time based at least in part upon the historic telematics data, the historic epoch time being the average total time of a historic epoch of the one or more historic epochs;

generate, using the edge-computing device, the hybrid current epoch score by at least:

determining, using the edge-computing device, a remaining time of the current epoch as the historic epoch time minus the elapsed time; and

determining, using the edge-computing device, the hybrid current epoch score based at least in part upon adding:

the partial current epoch score multiplied by a ratio of the elapsed time to a time historically driven per epoch; and

the prior epoch score multiplied by a ratio of the remaining time to the time historically driven per epoch.

17 . A non-transitory computer-readable medium with instructions stored thereon, that upon execution by a processor, causes the processor to perform:

retrieving, by an edge-computing device, prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch;

collecting, using one or more sensors of the edge-computing device, recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch;

generating, using the edge-computing device, a prior epoch score based at least in part upon the prior telematics data;

generating, using the edge-computing device, a partial current epoch score based at least in part upon the recent telematics data;

generating, using the edge-computing device, a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score;

determining, using the edge-computing device, a comparison result by at least comparing the hybrid current epoch score of the user to hybrid current epoch scores of one or more related users; and

presenting the comparison result to the user via a display associated with the edge-computing device.

18 . The non-transitory computer-readable medium of claim 17 , wherein:

the prior epoch is associated with a prior epoch time;

the one or more recent trips is associated with a recent driving time and an elapsed time, the recent driving time being the amount of time the vehicle was under operation in the current epoch, the elapsed time being the amount of time that has passed in the current epoch; and

the generating the hybrid current epoch score includes:

determining, using the edge-computing device, a remaining time of the current epoch as the prior epoch time minus the elapsed time; and

determining, using the edge-computing device, the hybrid current epoch score based at least in part upon adding:

the prior epoch score multiplied by the remaining time; and

the partial current epoch score multiplied by the recent driving time.

19 . The non-transitory computer-readable medium of claim 17 , wherein:

the current epoch is associated with a plurality of time segments;

each recent trip of the plurality of recent trips is associated with one or more time segments of the plurality of time segments;

the generating the partial current epoch score includes:

assigning, using the edge-computing device, each segment of the plurality of time segments with the prior epoch score;

generating, for each recent trip of the plurality of recent trips using the edge-computing device, a partial current epoch score based at least in part upon the recent telematics data; and

updating, for each recent trip of the plurality of recent trips using the edge-computing device, the associated one or more time segments with the associated partial current epoch score; and

the generating the hybrid current epoch score includes generating, using the edge-computing device, the hybrid current epoch score based at least in part upon:

the partial current epoch score for each segment of the plurality of time segments that was updated; and

the prior epoch score for each segment of the plurality of time segments that was not updated.

20 . The non-transitory computer-readable medium of claim 17 , that upon execution of the processor, further causes the processor to perform:

retrieving, from at least one of the edge-computing device and the server, historic telematics data indicative of the operation of the vehicle by the user during one or more historic trips in one or more historic epochs; and

determining, using the edge-computing device, a historic epoch time based at least in part upon the historic telematics data, the historic epoch time being the average total time of a historic epoch of the one or more historic epochs;

wherein:

the one or more recent trips is associated with a recent driving time and an elapsed time, the recent driving time being the amount of time the vehicle was under operation in the current epoch, the elapsed time being the amount of time that has passed in the current epoch;

the generating the hybrid current epoch score includes:

determining, using the edge-computing device, a remaining time of the current epoch as the historic epoch time minus the elapsed time; and

determining, using the edge-computing device, the hybrid current epoch score based at least in part upon adding:

the partial current epoch score multiplied by a ratio of the elapsed time to a time historically driven per epoch; and

the prior epoch score multiplied by a ratio of the remaining time to the time historically driven per epoch.