Systems and methods for managing vehicle operator profiles based on telematics inferences via an auction telematics marketplace with conditional bidding

A computer system, the computer system comprising:

• one or more processors;
• and
• a memory storing instructions that, upon execution by the one or more processors, cause the computer system to perform one or more processes including:
• collecting a plurality of telematics data sets for a plurality of users associated with a plurality of marketplace participants via a software development kit (SDK) commonly installed on:
• (1) one or more mobile devices of the plurality of users, (2) one or more third-party applications installed on the one or more mobile devices of the plurality of users, and (3) one or more on-board computers of one or more automobiles of the plurality of users, wherein the plurality of users include a plurality of vehicle operators, wherein, when the SDK is installed on multiple third-party applications installed on a same mobile device, a single copy of a telematics data collection program is run while other telematics collection programs are suspended to save processing power and reduce redundancy, and wherein the collecting of the plurality of telematics data sets for the plurality of users associated with the plurality of marketplace participants via the SDK comprises:
• continually collecting a plurality of personal data sets associated with the plurality of vehicle operators, wherein the plurality of vehicle operators are associated with the plurality of marketplace participants;
• continually collecting a plurality of sensor data sets associated with the plurality of vehicle operators via one or more sensors when each of the one or more sensors has collected a predetermined threshold amount of respective sensor measurements, wherein the one or more sensors include at least one of a Global Positioning Systems (GPS) sensor, an accelerometer, and a gyroscope, wherein the one or more sensors collect the plurality of sensor data sets, and wherein the plurality of sensor data sets comprise at least one of location sensor data, orientation sensor data, acceleration sensor data, or velocity sensor data;
• for each respective vehicle operator of the plurality of vehicle operators associated with the plurality of marketplace participants:
• producing, by the SDK, a uniformed output of a telematics data set of the plurality of telematics data sets in a standardized format, wherein the telematics data set in the standardized format includes a sensor data set of the plurality of sensor data sets in the standardized format;
• generating and continually updating a respective operator profile including a personal data set associated with the respective vehicle operator;
• determining and continually updating one or more respective telematics inferences in a standardized data format based at least in part upon the sensor data set associated with the respective vehicle operator by providing the sensor data set associated with the respective vehicle operator to a machine learning model, wherein the machine learning model is trained to generate the one or more respective telematics inferences, wherein the machine learning model is trained using telematics data and historic loss ratios associated with a set of vehicle operators, and wherein the machine learning model has a plurality of weights and biases that correspond to each type of sensor data of the sensor data set associated with the respective vehicle operator;
• generating and continually updating a respective data profile including the one or more respective telematics inferences associated with the respective vehicle operator;
• and
• listing and continually updating the respective data profile onto a telematics marketplace to be accessible by the plurality of marketplace participants;
• automatically receiving, from a plurality of bidders of the plurality of marketplace participants, a plurality of conditional bids for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators, each conditional bid of the plurality of conditional bids including one or more conditional payments and one or more payment conditions;
• automatically determining, based at least in part upon the plurality of conditional bids, a winning bid and a marketplace participant of the plurality of marketplace participants that is an associated winning bidder;
• and
• digitally transmitting the target operator profile to the associated winning bidder, wherein the target operator profile includes the one or more respective telematics inferences in the standardized data format.

A non-transitory computer-readable medium storing instructions, the instructions upon execution by one or more processors of a computing system, cause the computing system to perform one or more processes including:

• collecting a plurality of telematics data sets for a plurality of users associated with a plurality of marketplace participants via a software development kit (SDK) commonly installed on:
• (1) one or more mobile devices of the plurality of users, (2) one or more third-party applications installed on the one or more mobile devices of the plurality of users, and (3) one or more on-board computers of one or more automobiles of the plurality of users, wherein the plurality of users include a plurality of vehicle operators, wherein, when the SDK is installed on multiple third-party applications installed on a same mobile device, a single copy of a telematics data collection program is run while other telematics collection programs are suspended to save processing power and reduce redundancy, and wherein the collecting of the plurality of telematics data sets for the plurality of users associated with the plurality of marketplace participants via the SDK comprises:
• continually collecting a plurality of personal data sets associated with the plurality of vehicle operators, wherein the plurality of vehicle operators are associated with the plurality of marketplace participants;
• continually collecting a plurality of sensor data sets associated with the plurality of vehicle operators via one or more sensors when each of the one or more sensors has collected a predetermined threshold amount of respective sensor measurements, wherein the one or more sensors include a Global Positioning Systems (GPS) sensor, an accelerometer, and a gyroscope, wherein the one or more sensors collect the plurality of sensor data sets, and wherein the plurality of sensor data sets comprise at least one of location sensor data, orientation sensor data, acceleration sensor data, or velocity sensor data;
• for each respective vehicle operator of the plurality of vehicle operators associated with the plurality of marketplace participants:
• producing, by the SDK, a uniformed output of a telematics data set of the plurality of telematics data sets in a standardized format, wherein the telematics data set in the standardized format includes a sensor data set of the plurality of sensor data sets in the standardized format;
• generating and continually updating a respective operator profile including a personal data set associated with the respective vehicle operator;
• determining and continually updating one or more respective telematics inferences in a standardized data format based at least in part upon the sensor data set associated with the respective vehicle operator by providing the sensor data set associated with the respective vehicle operator to a machine learning model, wherein the machine learning model is trained to generate the one or more respective telematics inferences, wherein the machine learning model is trained using telematics data and historic loss ratios associated with a set of vehicle operators, and wherein the machine learning model has a plurality of weights and biases that correspond to each type of sensor data of the sensor data set associated with the respective vehicle operator;
• generating and continually updating a respective data profile including the one or more respective telematics inferences associated with the respective vehicle operator;
• and
• listing and continually updating the respective data profile onto a telematics marketplace to be accessible by the plurality of marketplace participants;
• automatically receiving, from a plurality of bidders of the plurality of marketplace participants, a plurality of conditional bids for a target operator profile associated with a target data profile selected from listed data profiles of the plurality of vehicle operators, each conditional bid of the plurality of conditional bids including one or more conditional payments and one or more payment conditions;
• automatically determining, based at least in part upon the plurality of conditional bids, a winning bid and a marketplace participant of the plurality of marketplace participants that is an associated winning bidder;
• and
• digitally transmitting the target operator profile to the associated winning bidder, wherein the target operator profile includes the one or more respective telematics inferences in the standardized data format.