Driver Safety Score Estimation via Transaction Data Analysis
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Solution Overview
Problem
Current methods for determining a driver's safety score in online on-demand transportation services are inefficient, relying on traditional interviews and questionnaires without a robust technology or algorithm, making it difficult to assess driving safety in a timely and comprehensive manner.
Innovation Solution
A system and method that utilize historical transportation service transaction data to extract relevant features, apply an estimation model to calculate a safety score, and offer contracts or insurance discounts based on this score, providing a more efficient and accurate assessment of a driver's safety.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional sample interviews and questionnaires are used to determine driving safety, then the implementation is simple and low-cost, but the timeliness and coverage are limited making it difficult to determine driving safety efficiently
Solution Approach 1:
The patent replaces the mechanical system of manual interviews and questionnaires with an automated electronic data processing system. The system automatically collects driving behavior data from terminals, processes it through servers using machine learning models, and generates safety scores without human intervention, thereby dramatically improving timeliness while managing complexity through automation.
Solution Approach 2:
The system enables self-service by automatically collecting driving data from the driver's terminal device during normal operations. The terminal device itself serves as the data collection instrument, continuously gathering driving behavior information without requiring separate assessment activities, thus improving efficiency while keeping the system relatively simple to implement.
2Productivity
If traditional sample interviews and questionnaires are used to determine driving safety, then the implementation is simple, but the coverage is limited
Solution Approach 1:
The system implements continuous data collection during normal driving operations rather than periodic assessments. The terminal device continuously monitors driving behavior parameters such as acceleration, braking, and route adherence, ensuring comprehensive coverage of driving safety throughout the entire operational period without interrupting service.
Solution Approach 2:
The system uses the existing terminal device for multiple purposes: it serves as both the service delivery platform and the safety assessment instrument. The same device that provides transportation services also collects driving behavior data, eliminating the need for separate assessment equipment and expanding coverage without proportionally increasing system complexity.
3Measurement precision
If machine learning estimation models are used to determine safety scores, then the accuracy and efficiency improve, but the system complexity increases
Solution Approach 1:
The system segments the safety assessment into distinct functional modules: data collection at the terminal, data transmission, server-side processing, model training, and safety score generation. This segmentation allows the complex machine learning model to be developed and maintained independently on the server while keeping the terminal device relatively simple, thereby improving accuracy without overwhelming system-wide complexity.
Data Source
AI summary
The present disclosure relates to a method and system for determining a safety score associated with driver. The method includes: obtaining, by at least one computer, historical transportation service transaction data associated with an identification of a target driver; extracting, by the at least one computer, at least one target feature based on the historical transportation service transaction data; obtaining, by the at least one computer, an estimation model for estimating a safety score that reflects a safety expectation of a driver during transportation services; determining, by the at least one computer, a safety score associated with the target driver based on the estimation model and the at least one target feature; and providing, by the at least one computer, an offer to enter a contract to the target driver based on the safety score.