Wearable Driver Behavior Monitoring for Portable Insurance Scoring
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Solution Overview
Problem
Conventional vehicle operator monitoring systems are not portable, require installation in vehicles, lack comprehensive data collection when the operator is not driving, and fail to efficiently classify combinations of operator, vehicle, and environmental data due to high computational demands.
Innovation Solution
A system using wearable personal monitoring devices like smartwatches and smartphones to collect and classify vehicle operator behavior data independently of the vehicle, incorporating GPS, sensors, and algorithms to determine insurance qualifications, considering operator behavior both during and outside of driving.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional monitoring devices are installed in the vehicle, then vehicle operation data can be collected, but the system becomes non-portable and cannot be easily transferred between vehicles
Solution Approach 1:
The monitoring system is extracted from the vehicle and placed on a portable device that the operator carries personally. This allows the system to collect data without being installed in the vehicle, making it portable and transferable between vehicles while maintaining data collection capabilities.
Solution Approach 2:
A portable monitoring device serves as an intermediary between the operator and the vehicle. It collects data about the operator's behavior and vehicle operation without requiring installation in the vehicle, thus resolving the contradiction between reliable data collection and portability.
2Loss of information
If comprehensive classification of all combinations of operator behavior, vehicle behavior, geographic details and environment details is performed, then comprehensive insurance determination is achieved, but extremely high computational power is required
Solution Approach 1:
The classification system is divided into multiple independent modules, each handling specific aspects of data analysis (operator behavior, vehicle behavior, geographic details, environmental factors). This segmentation allows comprehensive classification to be performed through coordinated simple operations rather than requiring extremely high computational power for a single complex analysis.
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
Provides comprehensive data collection and classification of operator, vehicle, and environmental data without vehicle installation, enabling efficient determination of insurance qualifications based on comprehensive behavioral patterns.
Implementation Method 1
The sensors include a health and fitness sensor, an accelerometer, and a gyroscope
Implementation Method 2
The sensors include a health and fitness sensor, an accelerometer, and a gyroscope
Implementation Method 3
wherein the personal monitoring device provides functions including a Global Positioning System (GPS) function
Data Source
AI summary
System for determining qualification for insurance, cost of insurance or combinations thereof for a motor vehicle operator. At least one personal monitoring device monitors and communicates information about an operator of the motor vehicle, including at least driving data collected when the operator is operating the motor vehicle without receiving such driving data from vehicle sensors, calculated or derived based on data solely collected by the personal monitoring device without receiving such data from vehicle sensors, or combinations thereof. Application software on the device interfaces with the personal monitoring device hardware for monitoring and communicating, being activated and deactivated based on trigger events. At least one control system collects, processes and communicates at least a portion of the information collected and/or derived by the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof. At least one algorithm determines qualification for insurance, cost of insurance or combinations thereof for the operator based on at least a portion of the information collected by the personal monitoring device.