SYSTEMS AND METHODS FOR ALLOCATING VEHICLE COSTS BETWEEN VEHICLE USERS USING PRE-PAID ACCOUNTS

摘要

Vehicle costs may be allocated between users of a vehicle, including autonomous vehicles. A vehicle cost allocation (VCA) computing device receives vehicle telematics data associated with trips performed by vehicle users using a vehicle. The VCA computing device is also configured to determine one or more vehicle costs associated with the trip based upon the vehicle telematics data. The vehicle costs may include usage-based or trip-based insurance. The VCA computing device is also configured to determine a respective portion of the vehicle cost to each of the one or more vehicle users, access a respective pre-paid account associated with each vehicle user, and transmit instructions to a respective financial institution associated with each pre-paid account to withdraw funds corresponding to the respective portion of the total vehicle cost.