Telematics Trip Matching Using Time-Shifted Speed Data
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Solution Overview
Problem
Insurance companies face challenges in determining which telematics data from multiple devices is associated with the same trip, as existing methods fail to accurately differentiate between data from different trips, leading to potential double counting and inaccurate insurance rate calculations.
Innovation Solution
A system and method that compares time-stamped speed data from multiple devices, using an algorithm to determine if data streams are associated with the same trip by calculating a match score based on speed differences and adjusting for clock synchronization issues, allowing for identification of matching trip segments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Quantity of substance
If multiple data collection devices are used to gather telematics data, then data quantity and coverage are improved, but data quality and accuracy deteriorate due to difficulty in differentiating trips from different devices
Solution Approach 1:
The system compares speed data from multiple devices with time stamps and provides feedback through match scores to determine whether data streams represent the same trip. This feedback mechanism enables automatic identification and elimination of duplicate trip records, resolving the contradiction between collecting data from multiple devices and maintaining accurate trip differentiation.
Solution Approach 2:
The patent introduces an intermediary algorithm that acts as a mediator between raw telematics data and final insurance rate calculations. This intermediary process compares speed profiles, analyzes time stamp correlations, and determines trip matching, thereby enabling accurate differentiation of trips across multiple devices without sacrificing data quantity.
2Ease of operation
If existing methods are used to process telematics data, then processing simplicity is maintained, but data quality deteriorates leading to double counting and inaccurate rate calculations
Solution Approach 1:
The system performs self-service by automatically comparing speed data, analyzing time stamp correlations, and identifying matching trips without requiring manual intervention. The algorithm autonomously calculates match scores and determines whether data streams represent the same trip, maintaining processing simplicity while significantly improving insurance rate accuracy through automated duplicate detection.
Data Source
AI summary
Each of multiple vehicle data collection devices are configured to collect data streams associated with operation of a vehicle. The data streams include time-stamped speed data. A transmitter is configured to transmit the data streams. An analytics server is configured to receive the data streams transmitted by the transmitter and to process the data. In connection with the processing, data streams with at least one common time stamp are identified. The time-stamped speed for one of the data streams at a first time interval is compared to the time-stamped speed for another of the identified plurality of data streams at a second time interval, where the second time interval comprises the first time interval plus an additional time increment. Based on the comparison, it is determined whether the two of the plurality of data streams are associated with a same trip or a different trip.