Vehicle Driving Evaluation Data Accumulation and Insurance Premium Adjustment
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Solution Overview
Problem
Current systems lack the ability to effectively evaluate and assess the driving techniques of other automobile drivers, leading to potential safety issues and inaccurate insurance premium calculations, particularly for telematics insurance, where drivers engaging in safe maneuvers like sudden braking may face high premiums due to misinterpretation.
Innovation Solution
An information processing apparatus and system that allows for the evaluation of another vehicle's driving by inputting and transmitting evaluation information, which is then stored and analyzed to provide feedback and adjust insurance premiums based on the evaluation data.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If driving characteristics data is collected from sensors to calculate insurance premiums, then insurance premium calculation is enabled, but drivers performing safe maneuvers like sudden braking may face high premiums due to misinterpretation of their driving behavior
Solution Approach 1:
The system collects evaluation information from drivers about other drivers' safety driving behaviors and feeds this feedback into the insurance premium calculation system. This allows the system to understand contextual reasons for sudden braking or other safety maneuvers, enabling more accurate and fair premium calculations that distinguish between dangerous and protective driving actions.
Solution Approach 2:
The evaluation information from other drivers acts as an intermediary that provides context about the driving situation. This intermediary data allows the system to interpret sensor data more accurately by understanding whether sudden braking was caused by danger avoidance or dangerous driving, thus resolving the contradiction between measurement precision and calculation fairness.
2Measurement precision
If evaluation information from other vehicles is collected and analyzed, then driving safety assessment is improved, but system complexity increases
Solution Approach 1:
The information processing apparatus performs multiple functions: collecting evaluation information, storing it in a database, analyzing the data, and using it for insurance premium calculations. By making the system multi-functional, the patent reduces the need for separate dedicated systems for each function, thereby managing complexity while improving measurement precision.
Solution Approach 2:
The system uses evaluation information from other drivers to automatically adjust insurance premiums, eliminating the need for manual intervention or complex external verification processes. This self-service approach simplifies the overall system architecture while maintaining high accuracy in driving safety assessment.
Data Source
AI summary
A configuration is realized that enables to acquire and accumulate driving evaluation data of another car from a vehicle and evaluate driving of a driver of each vehicle. Vehicle information, driver information, and location information are transmitted from a vehicle-side information processing apparatus to an information management apparatus, and in addition, evaluation information regarding driving of the other vehicle is transmitted to the information management apparatus. The information management apparatus receives the vehicle information, the driver information, and the location information from the vehicle and stores the received information in a database and receives evaluation information and time information, driver information, and the like at the time of evaluation. By matching processing on the data stored in the database and the data received together with the evaluation information, an evaluation target vehicle and a driver are specified, stored in an evaluation information database, and analysis processing based on the stored data is executed, and the analysis result is provided to the driver and the like.