Systems and methods for determining a risk score using machine learning based at least in part upon collected sensor data

1. A computer-implemented method for providing risk analysis and mitigation, the method comprising:

receiving, by one or more processors, sensor data indicative of one or more physical measurements corresponding to a user;

receiving, by the one or more processors, demographic data corresponding to the user;

analyzing, by the one or more processors, the sensor data and the demographic data to determine a pattern of behavior of the user;

selecting a test group corresponding to the user based at least in part upon the pattern of behavior, wherein the test group includes a plurality of subjects associated with the pattern of behavior of the user;

applying, by the one or more processors, a trained risk analyzer machine learning model configured to output a risk score based at least in part upon the test group; and

determining, by the one or more processors, a user risk score of the user based at least in part upon the test group.

2. The computer-implemented method of claim 1 , wherein the pattern of behavior includes one or more parameters of behavior, and wherein the one or more parameters of behavior includes at least one selected from a group consisting of a location, a type of location, a type of activity, a time, a time-of-day, and a time duration.

3. The computer-implemented method of claim 1 , wherein the trained risk analyzer machine learning model is trained using data that include a plurality of test groups or one or more feedbacks associated with the test group.

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

generating, by the one or more processors, a risk mitigation strategy based at least in part upon the user risk score;

wherein the risk mitigation strategy includes a series of communications to be sent to the user periodically, and

wherein each communication of the series of communications is selected from a plurality of communications.

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

upon completing the generating the risk mitigation strategy, determining, a new risk score for the user.

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

training, by the one or more processors, a mitigation machine learning model configured to output the risk mitigation strategy,

wherein the training the mitigation machine learning model includes applying mitigation training data that includes: (i) the plurality of communications, (ii) the user risk score, and (iii) mitigation initialization data.

7. The computer-implemented method of claim 1 , wherein the sensor data include at least one selected from a group consisting of: GPS data, accelerometer data, raw gyroscope data, and heartrate data.

8. The computer-implemented method of claim 1 , where the user risk score comprises at least one selected from a group consisting of illness, accident, injury, death, mental health, and exposure.

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

receiving, periodically by the one or more processors, feedback corresponding to the test group, wherein the feedback includes insurance claims data and health data.

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

training, by the one or more processors, a test group machine learning model configured to output the test group based at least in part upon the pattern of behavior,

wherein training the test group machine learning model includes applying test group training data that include: (i) test group initialization data (ii) a plurality of sensor data corresponding to the plurality of subjects, (iii) a plurality of demographic data corresponding to the plurality of subjects, and (iv) the feedback.

11. A system for providing risk analysis and mitigation, the system compromising:

one or more memories including instructions stored thereon; and

one or more processors configured to execute the instructions and configured to:

receive sensor data indicative of one or more physical measurements corresponding to a user;

receive demographic data corresponding to the user;

analyze the sensor data and the demographic data to determine a pattern of behavior of the user;

select a test group corresponding to the user based at least in part upon the pattern of behavior, wherein the test group includes a plurality of subjects associated with the pattern of behavior of the user;

applying a trained risk analyzer machine learning model configured to output a risk score based at least in part upon the test group; and

determine a user risk score of the user based at least in part upon the test group.

12. The system of claim 11 , wherein the pattern of behavior includes one or more parameters of behavior, and wherein the one or more parameters of behavior includes at least one selected from a group consisting of: a location, a type of location, a type of activity, a time, a time-of-day, and a time duration.

13. The system of claim 11 , wherein the trained risk analyzer machine learning model is trained using data that include a plurality of test groups or one or more feedbacks associated with the test group.

14. The system of claim 11 , wherein the one or more processors are further configured to:

generate a risk mitigation strategy based at least in part upon the user risk score,

wherein the risk mitigation strategy includes a series of communications to be sent to the user periodically, and

wherein each communication of the series of communications is selected from a plurality of communications.

15. The system of claim 14 , wherein the one or more processors are further configured to:

upon completion of the generation of the risk mitigation strategy, determine a new risk score for the user.

16. The system of claim 14 , wherein the one or more processors are further configured to:

train a mitigation machine learning model configured to output the risk mitigation strategy,

wherein to train the mitigation machine learning model includes to apply mitigation training data that include: (i) the plurality of communications, (ii) the risk score, and (iii) mitigation initialization data.

17. The system of claim 11 , wherein the sensor data include at least one selected from a group consisting of: GPS data, accelerometer data, raw gyroscope data, and heartrate data.

18. The system of claim 11 , wherein the one or more processors are further configured to:

receive, periodically, feedback corresponding to the test group,

wherein the feedback includes insurance claims data and health data.

19. The system of claim 18 , wherein the one or more processors are further configured to:

train a test group machine learning model configured to output the test group based at least in part upon the pattern of behavior,

wherein to train the test group machine learning model includes to apply test group training data that include: (i) test group initialization data (ii) a plurality of sensor data corresponding to the plurality of subjects, (iii) a plurality of demographic data corresponding to the plurality of subjects, and (iv) the feedback.

20. A tangible computer-readable medium including non-transitory computer readable instructions stored thereon for providing risk analysis and mitigation, the non-transitory computer readable instructions when executed cause one or more processors to:

receive, sensor data indicative of one or more physical measurements corresponding to a user;

receive demographic data corresponding to the user;

analyze the sensor data and the demographic data to determine a pattern of behavior of the user;

select a test group corresponding to the user based at least in part upon the pattern of behavior, wherein the test group includes a plurality of subjects associated with the pattern of behavior of the user;

apply a trained risk analyzer machine learning model configured to output a risk score based at least in part upon the test group; and

determine a user risk score of the user based at least in part upon the test group.

21. The tangible computer-readable medium of claim 20 , wherein the pattern of behavior includes one or more parameters of behavior, and wherein the one or more parameters of behavior includes at least one selected from a group consisting of a location, a type of location, a type of activity, a time, a time-of-day, and a time duration.

22. A system for providing risk analysis and mitigation, the system compromising:

a means for storing data thereon; and

a means for performing operations comprising:

receiving sensor data indicative of one or more physical measurements corresponding to a user;

receiving demographic data corresponding to the user;

analyzing the sensor data and the demographic data to determine a pattern of behavior of the user;

selecting a test group corresponding to the user based at least in part upon the pattern of behavior, wherein the test group includes a plurality of subjects associated with the pattern of behavior of the user;

applying a trained risk analyzer machine learning model configured to output a risk score based at least in part upon the test group; and

determine a user risk score of the user based at least in part upon the test group.