The present invention relates to a
system,
server, device, and method for calculating
risk assessment indicators, wherein a wearable
image analysis device worn by a user of a means of transportation or mounted to be synchronized with the user's
gaze direction, or an image-based
risk assessment device linked with a vehicle camera,
black box, vehicle-mounted ADAS camera,
mobile device, on-board unit (OBU), vehicle-to-everything (V2X) terminal, etc., identifies a driving context from a front image, location information, sensor information, or vehicle status information, determines a risk event according to differential
safety standards for each context and outputs a warning, and measures response data including whether to return to a
normal state, the time required for return, the number of warning repetitions, the duration of ignoring, and the amount of behavioral change based on the time of warning output or the time of risk event confirmation. The above
system generates
risk assessment indicators, behavior-based safety scores, or premium rate calculation factors by cumulatively analyzing risk
event data and response data, and reflects warning responsiveness independently of the frequency of risk event occurrences. Furthermore, it can enhance the precision and fairness of risk assessment by utilizing warning-free driving indicators,
Time to Collision (TTC) correction models, multimodal dynamic weights,
adverse weather preprocessing, individual baseline correction, and user-level continuous responsiveness profiles. In addition, the present invention can reduce data tampering and personal information
exposure through the calculation of complete indicators within the device, the output of interaction data packets,
verification of event packet integrity based on a Trusted Execution Environment (TEE), dual trajectory cross-
verification, and on-device anonymization, and depending on the embodiment, it can also be applied to the calculation of risk assessment indicators based on wearable devices, mobile devices, or automotive devices.