Systems and methods for generating user offerings responsive to telematics data

A computer-implemented method for processing vehicle-based telematics data, the method implemented by a user analytics computing device including at least one processor in communication with a memory device, the method comprising:

• generating a driver profile of a driver based at least in part upon historical telematics data associated with a plurality of historical trips taken by the driver using a vehicle;
• generating a contextualized driver profile by synthesizing the driver profile and contextual data associated with an environment in which the vehicle travelled during the plurality of historical trips;
• based upon the contextualized driver profile, generating a user offering including an indication of driving behavior of the driver affecting the driver profile;
• causing to be displayed, on a user computing device associated with the driver, the user offering including displaying the indication of driving behavior of the driver, a recommendation including at least one of (i) one or more alternate forms of transportation for the driver to incorporate when the driver takes trips or (ii) how to improve the driving behavior, and an incentive if the recommendation is implemented;
• and
• after the user offering is displayed:
• determining whether the recommendation has been implemented by analyzing current telematics data associated with current trips taken by the driver using the vehicle;
• and
• in response to determining that the recommendation has been implemented, transmitting, to the user computing device, a confirmation message indicating that the driver has earned the incentive.

At least one non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, when executed by a user analytics computing device having at least one processor in communication with at least one memory device, the computer-executable instructions cause the at least one processor to:

• generate a driver profile of a driver based at least in part upon historical telematics data associated with a plurality of historical trips taken by the driver using a vehicle;
• generate a contextualized driver profile by synthesizing the driver profile and contextual data associated with an environment in which the vehicle travelled during the plurality of historical trips;
• based upon the contextualized driver profile, generate a user offering including an indication of driving behavior of the driver affecting the driver profile;
• cause to be displayed, on a user computing device associated with the driver, the user offering including displaying the indication of driving behavior of the driver, a recommendation including at least one of (i) one or more alternate forms of transportation for the driver to incorporate when the driver takes trips or (ii) how to improve the driving behavior, and an incentive if the recommendation is implemented;
• and
• after the user offering is displayed:
• determine whether the recommendation has been implemented by analyzing current telematics data associated with current trips taken by the driver using the vehicle;
• and
• in response to determining that the recommendation has been implemented, transmit, to the user computing device, a confirmation message indicating that the driver has earned the incentive.