| CPC G06Q 30/0207 (2013.01) [B60W 40/09 (2013.01); G06Q 10/06393 (2013.01); G06Q 40/08 (2013.01); G06Q 50/40 (2024.01); G06V 20/597 (2022.01); G07C 5/008 (2013.01)] | 20 Claims |
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1. A driver scoring (DS) computing device for implementing a driver safety incentive program, the DS computing device including at least one processor in communication with at least one memory, the at least one processor configured to:
store a merchant profile for each merchant of a plurality of merchants within the at least one memory, wherein the merchant profiles include one or more merchant incentives being offered by each merchant;
store a driver profile associated with a driver of a vehicle within the at least one memory, wherein the stored driver profile includes data received from a vehicle controller of the vehicle, a payment processor configured to authorize payment transactions and settle funds between financial institutions that are members of an interchange network, and a user computing device associated with the driver;
associate a payment account ID with the stored driver profile, wherein the payment account ID corresponds to a payment account of the driver;
communicate with the vehicle controller, the payment processor, and the user computing device;
activate an application on the user computing device, wherein the application is configured to monitor usage of the user computing device while the user computing device is inside the vehicle;
receive, from the vehicle controller, sensor data generated by a plurality of sensors during usage of the vehicle throughout a trip of the vehicle, the plurality of sensors coupled to the vehicle and in communication with the vehicle controller;
identify, based on the sensor data, the driver of the vehicle;
receive, from the application on the user computing device, usage data reporting the monitored usage of the user computing device throughout the trip;
determine, based on the usage data, that a state of the user computing device is one of active or inactive at a plurality of times throughout the trip;
identify, based on the sensor data, an end of the trip;
in response to identifying the end of the trip, calculate a score based on the state of the user computing device at the plurality of times throughout the trip;
using the payment account ID associated with the stored driver profile, retrieve historical payment transaction data of the identified driver and the associated payment account ID from the payment processor, wherein the historical payment transaction data is associated with the payment transactions initiated by the identified driver and processed by the payment processor, and wherein the historical payment transaction data includes merchant identifiers corresponding to the plurality of merchants;
analyze the historical payment transaction data and user input preferences to generate a list of preferred merchants for the driver, the list of preferred merchants including at least one merchant recently transacted with by the driver and associated with one of the merchant identifiers included in the historical payment transaction data received from the payment processor;
store the list of preferred merchants for the driver in the at least one memory;
compare the list of preferred merchants for the driver to the merchant profiles to identify a selected merchant from the list of preferred merchants stored in the at least one memory for providing the one or more merchant incentives to the driver;
input into an incentive model the score calculated for the driver, the selected merchant, and the historical payment transaction data to identify a selected incentive of the one or more merchant incentives offered by the selected merchant to be provided to the driver for the score achieved by the driver; and
in response to identifying the selected incentive, cause the application on the user computing device to notify the driver of the vehicle of the selected incentive to be provided to the driver by the selected merchant.
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