System and method for automated analytics of user activity

A computer-implemented method implemented by an analytics computing device including at least one processor in communication with a memory device, said computer-implemented method comprising:

• receiving, by the analytics computing device, dynamic data corresponding to activity of a user, the dynamic data including telematics data generated by a user device associated with the user;
• generating, by the analytics computing device, a plurality of analytics values based upon the dynamic data by applying at least one artificial intelligence (AI) model to the dynamic data;
• generating, by the analytics computing device, an analytics vector for the user by inputting each of the plurality of analytics values into a respective data field of the analytics vector, the analytics vector being in a standardized data format;
• retrieving, by the analytics computing device, at least one rule set of a plurality of rules sets for the user, wherein the at least one rule set relates to at least one of scoring and pricing usage-based insurance (UBI) policies;
• and
• inputting, by the analytics computing device, the analytics vector into the at least one rule set to calculate at least one price for a UBI policy of the user.

A non-transitory computer-readable media having computer-executable instructions embodied thereon, wherein when executed by an analytics computing device including at least one processor in communication with a memory device, the computer-executable instructions cause the processor to:

• receive dynamic data corresponding to activity of a user, the dynamic data including telematics data generated by a user device associated with the user;
• generate a plurality of analytics values based upon dynamic data by applying at least one artificial intelligence (AI) model to the dynamic data;
• generate an analytics vector for the user by inputting each of the plurality of analytics values into a respective data field of the analytics vector, the analytics vector being in a standardized data format;
• retrieve at least one rule set of a plurality of rules sets for the user, wherein the at least one rule set relates to at least one of scoring and pricing usage-based insurance (UBI) policies;
• and
• input the analytics vector into the at least one rule set to calculate at least one price for a UBI policy of the user.