Mobile Sensor Accident Detection for Context-Rich Claims Reporting
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Solution Overview
Problem
Existing systems lack efficient methods for reporting specific trip driving behavior data associated with vehicle incidents and insurance claims, leading to lengthy claim processes and inadequate fraud detection.
Innovation Solution
Utilizing mobile devices equipped with sensors and processors to collect and analyze driving data, including GPS and accelerometer data, to detect vehicle accidents and generate accident reports, which are then transmitted to a server for claims processing and fraud analysis.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If external devices are integrated with vehicles to track driving behavior, then driving data collection capability is improved, but device complexity increases
Solution Approach 1:
The patent uses mobile devices as intermediary components that connect to the vehicle's computer system. Instead of integrating complex tracking systems directly into the vehicle, the mobile device acts as a mediator that collects driving behavior data through the vehicle's existing computer system, thereby improving measurement precision without significantly increasing overall device complexity
Solution Approach 2:
The mobile device performs multiple functions: it tracks driving behavior, detects accidents, collects GPS location data, and communicates with both the vehicle's computer system and remote servers. This multi-functionality consolidates what would otherwise require multiple separate devices into a single universal platform
2Reliability
If comprehensive driving data is collected and transmitted to servers, then fraud detection capability is improved, but loss of time in data transmission and processing increases
Solution Approach 1:
The system continuously collects and stores driving behavior data in advance during normal operation. When an accident occurs, this pre-collected data is immediately available for transmission and analysis, eliminating the need to gather information after the incident and thereby reducing claims processing time while maintaining comprehensive fraud detection capability
Solution Approach 2:
The system establishes continuous two-way communication between mobile devices, vehicle computer systems, and remote servers. Driving data is transmitted to servers for analysis, and the system provides feedback by detecting accidents and automatically initiating claims processes, creating an efficient closed-loop system that reduces processing delays
3Measurement precision
If mobile devices are used to collect and analyze driving data, then accident detection accuracy is improved, but device complexity increases
Solution Approach 1:
The accident detection functionality is segmented into distinct modules within the mobile device: GPS location tracking, accelerometer-based impact detection, data analysis algorithms, and communication interfaces. This segmentation allows each component to be optimized independently while working together to achieve high accident detection accuracy without overwhelming device complexity
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Facilitates faster insurance claim processing, improves fraud detection, and enhances the accuracy of claim analysis by providing critical accident contextual information.
Implementation Method 1
A GPS receiver (110) may be included which collects location information
Implementation Method 2
An accelerometer (112) may be included which collects information related to motion and acceleration
Data Source
AI summary
A system for reporting accident data includes: a mobile device having a plurality of sensors; a memory; and a processor coupled to the memory. The processor is configured to perform operations including: operating the plurality of sensors to collect driving data; receiving the driving data collected over a plurality of time intervals from at least one of the plurality of sensors in the mobile device of a user during a trip in a vehicle, assigning the driving data to the trip; receiving input indicating the trip is associated with an accident, wherein the input includes additional data associated with the accident; transmitting the driving data assigned to the trip associated with the accident; and transmitting the additional data associated with the accident.