Smartphone-Based Measurement Systems for Road Vehicle Traffic Monitoring and Usage-Based Insurance

Abstract

Abstract-A framework is presented to deploy a smartphonebased measurement system for road vehicle traffic monitoring and usage based insurance. Through the aid of a hierarchical model to modularize the description, the functionality is described as spanning from sensor-level functionality and technical specification, up to the top-most business model. The designer of a complex measurement system has to consider the full picture from low-level sensing, actuating, and wireless data transfer to the top-most level including enticements for the individual smartphone owners; the end-users who are the actual measurement probes. The measurement system provides two data streams -a primary stream to support road vehicle traffic monitoring, and a secondary stream to support the usage based insurance program. The former activity has a clear value for a society and its inhabitants, as it may reduce congestion and environmental impacts. The latter data stream drives the business model and parts of the revenue streams which ensure the funding of the total measurement system, and create value for the end-users, service provider and the insurance company. Besides the presented framework, outcome from a measurement campaign is presented, including road vehicle traffic monitoring (primary data stream) and a commercial pilot of usage based insurance based on the driver profiles (secondary data stream). The measurement system is believed to be sustainable, thanks to the incitements offered to the individual end-users, in terms of a favorable pricing for the insurance premium. The measurement campaign itself is believed to have an interest in its own right, as it includes smartphone probing of road traffic with a number of probes in the vicinity of the current state-of-the art, given by the Berkeley Mobile Millennium Project. During the 10 month run of the project, some 4,500 driving hours / 250,000 km of road vehicle traffic data was collected. Index Terms-Complex

The Light and Dark Side of The Black Box: Sensor-Based Technology in the Automotive Industry

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“…In particular, after reviewing how IS research and related disciplines have studied sensor-based technologies, we delve into the emergent pay-as-you-drive (PAYD) business model, which several automotive insurance companies worldwide have now adopted. In the PAYD approach, insurance pricing is at least partially based on policyholders' actual driving behaviors (e.g., mileage driven, average speeds, takeoff and braking behavior) as captured by sensor devices (Händel, Ohlsson, Ohlsson, Skog, & Nygren, 2014;Parry, 2005). This IT-enabled business model has significant strategic implications, such as allowing drivers to self-select themselves as "good" drivers (i.e., drivers who believe they could benefit from a premium discount because they will "look good" when their driving data is monitored) and providing new services that leverage a vehicle's sensor-based technologies.…”

An IoTbased Smart Architecture for Traffic Management System

“…A smartphone based measurement system for road traffic monitoring and usage-based insurance was introduced by Handel et al [16].A parking guidance and information system (PGI) is designed to help the user in finding the parking lot more easily with the help of PARC system [17].E. I. Vlahogianni et al [18] designed logical flow based on data i.e.…”

Electronic Toll Collection Systems and their Interoperability: The State of Art

“…This technology requires . the use of: a GNSS OBU that records the vehicle´s movements by downloading satellite time-stamped location, mobile data communications equipment, and a back office (Jordán et al, 2003) (Händel et al, 2014). The most significant strengths of GNSS technology are its limited need for roadside equipment and its flexibility.…”

“…Opportunities may come from emerging technologies, such as Cooperative Vehicle Information Systems (CVIS), an information-sharing platform for intelligent transportation system organization (Ding, 2014), and Communications Access for Land Mobile (CALM) areas, which provide wireless communications; applications such as telematics for vehicle and driver management, eCall (Ingenico, 2013) (Öörni and Korhonen, 2014) (Pascale et al, 2015) or usage-based insurance (UBI), under which insurance fees could be determined based on driving behaviour (Händel et al, 2014); and communication technology at 5.9 GHz (Mcnew, 2010) (Ansari et al, 2013), among others. Substantial advances are also expected in payment methods.…”