Cloud-based vehicular telematics systems and methods for generating hybrid epoch driver predictions

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

• a data receiving module configured to:
• receive prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch representing a first period of time associated with a first time unit;
• and
• receive, from a mobile device, recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch representing a second period of time associated with a second time unit, the first time unit being the same as the second time unit;
• and
• an epoch score generating module configured to:
• generate a prior epoch score based at least in part upon the prior telematics data;
• generate a partial current epoch score based at least in part upon the recent telematics data;
• and
• generate a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score.

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

• receiving prior telematics data indicative of the operation of a vehicle by the user during one or more prior trips in a prior epoch representing a first period of time associated with a first time unit;
• receiving, from a mobile device, recent telematics data indicative of the operation of the vehicle by the user during one or more recent trips in a current epoch representing a second period of time associated with a second time unit, the first time unit being the same as the second time unit;
• generating a prior epoch score based at least in part upon the prior telematics data;
• generating a partial current epoch score based at least in part upon the recent telematics data;
• and
• generating a hybrid current epoch score based at least in part upon the prior epoch score and the partial current epoch score.