| CPC G07C 5/04 (2013.01) [G07C 5/008 (2013.01); G07C 5/0808 (2013.01); H04W 4/02 (2013.01); H04W 4/029 (2018.02); H04W 4/40 (2018.02); G06Q 40/08 (2013.01)] | 20 Claims |

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1. A computer-implemented method for determining whether or not a user of a mobile device is a driver of a vehicle, the method comprising:
receiving telematics data and device interaction data collected by the mobile device during one or more vehicle trip segments, the one or more vehicle trip segments being made by the driver of the vehicle;
analyzing the telematics data to determine one or more first driving events of a predetermined type during the one or more vehicle trip segments, wherein the predetermined type comprises driving events that include at least one of changing lanes, making turns, accelerations above an acceleration threshold level, deaccelerations above a deceleration threshold level, passing another vehicle, entering a highway ramp, exiting the highway ramp, or transiting through a roundabout;
determining one or more second driving events of the predetermined type during which the user interacts with the mobile device by correlating the telematics data and the device interaction data, the one or more second driving events being selected from the one or more first driving events;
calculating a ratio of a number of the one or more second driving events to the number of the one or more first driving events;
determining whether or not the user of the mobile device is the driver of the vehicle during the one or more vehicle trip segments by comparing the ratio to a predetermined threshold; and
when the user of the mobile device is determined to be the driver of the vehicle during the one or more vehicle trip segments by comparing the ratio to the predetermined threshold, transmitting an instruction to a remote server, the instruction comprising a determination that the user of the mobile device is the driver of the vehicle.
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