Cross-Vehicle Driver Profiling for Fairer Risk Assessment
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Solution Overview
Problem
Current systems fail to effectively collect and utilize operational metrics across multiple vehicle types to provide personalized benefits to drivers, leading to inaccurate risk assessments and unfair treatment of young operators, who are often subjected to high insurance and rental rates without sufficient data.
Innovation Solution
A method that generates an aggregated vehicle operation score by monitoring and combining operational metrics from various vehicle types, allowing for tailored pricing and personalized services by integrating data across multiple mobility platforms, including owned and rented vehicles, using artificial intelligence to implement remedial actions based on the score.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If operational metrics are collected across multiple vehicle types, then measurement precision of driver behavior assessment is improved, but device complexity increases
Solution Approach 1:
The patent combines operational metrics from multiple vehicle types (rental vehicles, personal vehicles, commercial vehicles) into a unified driver profile. The system merges data from different sources and vehicle categories to create a comprehensive aggregated score that accurately reflects overall driver behavior, resolving the contradiction by integrating diverse data streams rather than treating them separately
Solution Approach 2:
The system implements a universal monitoring framework that functions across multiple vehicle types and operational contexts. The same monitoring infrastructure and scoring methodology are applied universally to rental vehicles, personal vehicles, and commercial vehicles, enabling consistent driver assessment without requiring separate complex systems for each vehicle category
2Reliability
If aggregated vehicle operation scores are generated across multiple vehicle types, then reliability of risk assessment is improved, but loss of information increases due to data integration challenges
Solution Approach 1:
The patent segments the driver assessment into distinct vehicle-type-specific scores (rental vehicle score, personal vehicle score, commercial vehicle score) while maintaining the ability to aggregate them. This segmentation preserves the unique characteristics and operational context of each vehicle type, preventing information loss during integration while still enabling comprehensive risk assessment through the aggregated score
3Productivity
If personalized services and pricing are implemented based on driver behavior, then productivity of insurance and rental services is improved, but object-generated harmful factors increase due to potential unfair treatment of young operators
Solution Approach 1:
The system performs preliminary monitoring and data collection across all vehicle types before finalizing risk assessments and pricing decisions. By continuously gathering operational metrics and building comprehensive driver profiles over time, the system ensures that young operators are evaluated on their actual demonstrated behavior rather than assumptions, allowing them to benefit from personalized pricing once sufficient data is accumulated
Solution Approach 2:
The patent implements a feedback mechanism where drivers receive information about their aggregated scores and behavior patterns. This transparency allows young operators to understand how their driving behavior across different vehicle types affects their risk assessment, enabling them to improve their scores through better driving habits and ultimately receive fairer pricing as they accumulate positive operational data
Data Source
AI summary
Methods, computer-readable media, and apparatuses for using an aggregated vehicle operation score to implement a remedial action are disclosed. In one example, a processing system including at least one processor may identify a first type of a vehicle to be operated by a driver, monitor operational metrics of the vehicle while the vehicle is being operated by the driver during a journey, generate a first vehicle operation score for the journey, generate an aggregated vehicle operation score based at least on: the first vehicle operation score and a second vehicle operation score for a second type of a vehicle previously operated by the driver, wherein the first type is distinct from the second type, and execute at least one remedial action based on the aggregated vehicle operation score.