Provided herein is a computer system for creating driving challenges for drivers. The computer system may include a processor in communication with a memory device, and the processor may be programmed to: (i) receive driving data associated with a driver, (ii) generate a first model that models the driving data associated with the driver, (iii) calculate a predicted driving score for the driver based at least in part upon the first model, (iv) generate a second model that predicts a confidence of the predicted driving score, (v) calculate a confidence value of the predicted driving score, wherein the confidence value is a squared error of the predicted driving score, and (vi) generate at least one driving challenge for the driver based at least in part upon the predicted driving score and the confidence value for that predicted driving score.

A computer-implemented method of updating an auto insurance policy is provided. The method may include (1) determining that a customer's mobile device has a Telematics Application (“App”) installed on it, the Telematics App configured to (i) receive telematics data associated with another vehicle via a wireless communication broadcast; (ii) determine a travel event from analysis of the telematics data received, and (iii) generate a corrective action based upon the telematics data received or travel event determined that alleviates the risk of vehicle collision. The method may also include (2) monitoring, with the customer's permission, an amount or percentage of usage of the Telematics App on the customer's mobile device while the customer is driving in an insured vehicle; and (3) adjusting an insurance policy premium or discount based upon usage of the Telematics App to facilitate rewarding risk-averse drivers and encourage usage of risk mitigation or prevention technology.

A computer-implemented method of updating an auto insurance policy is provided. The method may include (1) determining that a customer's mobile device has a Telematics Application (“App”) installed on it, the Telematics App configured to (i) receive telematics data associated with another vehicle via a wireless communication broadcast; (ii) determine a travel event from analysis of the telematics data received, and (iii) generate a corrective action based upon the telematics data received or travel event determined that alleviates the risk of vehicle collision. The method may also include (2) monitoring, with the customer's permission, an amount or percentage of usage of the Telematics App on the customer's mobile device while the customer is driving in an insured vehicle; and (3) adjusting an insurance policy premium or discount based upon usage of the Telematics App to facilitate rewarding risk-averse drivers and encourage usage of risk mitigation or prevention technology.

Apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score. More particularly, apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score based on hail data. The apparatuses, systems and methods may generate a probable roof loss confidence score. The apparatuses, systems and methods may generate verified probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance underwriting data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance claims data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance loss mitigation data based on probable roof loss confidence score data.

Apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score. More particularly, apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score based on hail data. The apparatuses, systems and methods may generate a probable roof loss confidence score. The apparatuses, systems and methods may generate verified probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance underwriting data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance claims data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance loss mitigation data based on probable roof loss confidence score data.

Aspects of the disclosure provide a computer-implemented method and system for the assignment of roadside assistance service providers such as tow trucks to distressed vehicles/drivers requiring roadside assistance. The methods and systems may include a roadside assistance service provider system with a collection module, an assignment module, and a feedback module. The collection module collects roadside assistance service provider information and historical statistics from real-world information and stores the information in a database that may then be analyzed using particular rules and formulas. The assignment module assigns particular roadside assistance service providers to particular distressed vehicles/drivers based on one or more characteristics. The feedback module may provide near real-time cues to the tow truck driver's mobile device, such as alerting when the amount of time spent on a task exceeds a predefined threshold, flagging high priority tasks/assignments, providing a step-by-step checklist for the repair.

Aspects of the disclosure provide a computer-implemented method and system for the assignment of roadside assistance service providers such as tow trucks to distressed vehicles/drivers requiring roadside assistance. The methods and systems may include a roadside assistance service provider system with a collection module, an assignment module, and a feedback module. The collection module collects roadside assistance service provider information and historical statistics from real-world information and stores the information in a database that may then be analyzed using particular rules and formulas. The assignment module assigns particular roadside assistance service providers to particular distressed vehicles/drivers based on one or more characteristics. The feedback module may provide near real-time cues to the tow truck driver's mobile device, such as alerting when the amount of time spent on a task exceeds a predefined threshold, flagging high priority tasks/assignments, providing a step-by-step checklist for the repair.

Systems, computer program products, and methods are described herein for the generating and tracking linked electronic digital certificates. The present invention may be configured to generate a first electronic digital certificate having first properties and being associated with a first artifact owned by a first group of users, store the first electronic digital certificate, and record first interests of the first group of users in the first electronic digital certificate. The present invention may be configured to receive a request from a second group of users to generate a second electronic digital certificate, where the request includes a subset of the first properties for generation in the second electronic digital certificate. The present invention may be configured to generate the second electronic digital certificate, record second interests of the second group of users in the second electronic digital certificate, and link the first interests and the second interests.

Systems, computer program products, and methods are described herein for the generating and tracking linked electronic digital certificates. The present invention may be configured to generate a first electronic digital certificate having first properties and being associated with a first artifact owned by a first group of users, store the first electronic digital certificate, and record first interests of the first group of users in the first electronic digital certificate. The present invention may be configured to receive a request from a second group of users to generate a second electronic digital certificate, where the request includes a subset of the first properties for generation in the second electronic digital certificate. The present invention may be configured to generate the second electronic digital certificate, record second interests of the second group of users in the second electronic digital certificate, and link the first interests and the second interests.

Systems and methods for complex process flow approval using distributed ledgers are disclosed. The method may include generating a process initiation message based on input from a second service provider or a user. The method may include recording the process initiation message on a first distributed ledger. The method may include monitoring the first distributed ledger for an indication of an approval event. The method may include generating a settlement event based on the indication of the approval event. The method may include recording the settlement event on the first distributed ledger. The method may include communicating a settlement event message to a second distributed ledger. The method may include generating a virtual payment instrument associated with the settlement event message, the indication of the approval event, and the process initiation message.