Transportation analytics systems and methods using a mobility device embedded within a vehicle

A computer-implemented method for transportation analytics performed by a transportation analytics (TA) computing device including at least one processor in communication with at least one memory device, a user mobile device corresponding to a user and configured to be communicatively linked to a transportation device, and at least one transportation network computing device associated with a transportation network, said computer-implemented method comprising:

• receiving, by the TA computing device from the user mobile device, a request to initiate a trip using a mobile application executing on the user mobile device;
• receiving, by the TA computing device, from the user mobile device used to initiate the trip, in response to the trip being initiated, telematics data corresponding to a trip taken by the user as a rider using the mobile application executing on the user mobile device, the telematics data generated using at least one sensor onboard the user mobile device, the telematics data including data identifying a vehicle of a plurality of vehicles of the transportation network used for the initiated trip;
• storing, by the TA computing device, for each of a plurality of trips including the initiated trip, telematics data in a database in association with a trip identifier and a timestamp, wherein at least one of the plurality of trips correspond to rides taken by the user using the transportation device;
• periodically performing, by the TA computing device, a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period;
• periodically calculating, by the TA computing device, in response to identifying the telematics data for the corresponding time period, based upon the identified telematics data, a premium amount for the corresponding time period for an insurance policy covering the user using the transportation network;
• and
• transferring, by the TA computing device, in response to calculating the premium amount, the premium amount from a transportation network account associated with the transportation network using the transportation network computing device to an insurer account associated with an insurer providing the insurance policy.

At least one non-transitory computer-readable media having computer-executable instructions embodied thereon, wherein when executed by a transportation analytics (TA) computing device including at least one processor in communication with at least one memory device, a user mobile device corresponding to a user and configured to be communicatively linked to a transportation device, and at least one transportation network computing device associated with a transportation network, the computer-executable instructions cause the at least one processor to:

• receive, from the user mobile device, a request to initiate a trip using a mobile application executing on the user mobile device;
• receive, from the user mobile device used to initiate the trip, in response to the trip being initiated, telematics data corresponding to a trip taken by the user as a rider using the mobile application executing on the user mobile device, the telematics data generated using at least one sensor onboard the user mobile device, the telematics data including data identifying a vehicle of a plurality of vehicles of the transportation network used for the initiated trip;
• store, for each of a plurality of trips including the initiated trip, telematics data in a database in association with a trip identifier and a timestamp, wherein at least one of the plurality of trips correspond to rides taken by the user using the transportation device;
• periodically perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period;
• periodically calculate, in response to identifying the telematics data, based upon the identified telematics data for the corresponding time period, a premium amount for the corresponding time period for an insurance policy covering the user using the transportation network;
• and
• transfer, in response to calculating the premium amount, the premium amount from a transportation network account associated with the transportation network using the transportation network computing device to an insurer account associated with an insurer providing the insurance policy.