Data analytics engine for dynamic network-based resource-sharing

A machine learning system automatically to generate a policy for a user of a shared vehicle, the system comprising:

• a plurality of data sources;
• a data pipeline, communicatively coupled to the plurality of data sources, to:
• access the plurality of data sources and retrieve a plurality of data items associated with a user and a shared vehicle, the user not being the owner of the shared vehicle;
• extract a plurality of features from the plurality of data items;
• construct a feature vector representing the plurality of features;
• using a machine learner, generating a classification associated with the user based on the feature vector;
• and
• generate the policy for the user based on the classification, the policy insuring the vehicle for a limited duration.

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to:

• receive, by a computing system from a client device, image data including a machine code;
• decode, using at least one processor, the machine code to identify a user associated with the client device;
• retrieve, using the at least one processor, a plurality of data sources associated with the user and a shared vehicle associated with the user;
• extract, using the at least one processor, a plurality of features from the plurality of data sources;
• build a feature vector representing the plurality of features;
• inputting the feature vector into a machine learner to generate a classification of the user;
• and
• generate, using the at least one processor, a policy for the user based on the classification of the user,
• wherein the user is not an owner of the shared vehicle, and the policy insures the user for a limited duration.

A computing apparatus, the computing apparatus comprising:

• a processor;
• and
• a memory storing instructions that, when executed by the processor, configure the apparatus to:
• receive, by a computing system from a client device, image data including a machine code;
• decode, using at least one processor, the machine code to identify a user associated with the client device;
• retrieve, using the at least one processor, a plurality of data sources associated with the user and a shared vehicle associated with the user;
• extract, using the at least one processor, a plurality of features from the plurality of data sources;
• build a feature vector representing the plurality of features;
• inputting the feature vector into a machine learner to generate a classification of the user;
• and
• generate, using the at least one processor, a policy for the user based on the classification of the user,
• wherein the user is not an owner of the shared vehicle, and the policy insures the user for a limited duration.