Usage-based Insurance Using IoT Platform

被引：0

作者：

Lertpunyavuttikul, Puntavut ^{[1
]}

Chuenprasertsuk, Pinyarat ^{[1
]}

Glomglome, Sorayut ^{[1
]}

机构：

[1] King Mongkuts Inst Technol Ladkrabang, Fac Engn, Dept Comp Engn, Bangkok, Thailand

来源：

2017 21ST INTERNATIONAL COMPUTER SCIENCE AND ENGINEERING CONFERENCE (ICSEC 2017) | 2017年

关键词：

Telematics; Harsh Braking; Car Insurance; Usage-based Insurance; Internet of Things Platform;

D O I：

暂无

中图分类号：

TP39 [计算机的应用];

学科分类号：

081203 ; 0835 ;

摘要：

The premium of car insurance is normally calculated based on statistics i.e. car and driver information. Drivers who have the same age range pay equivalent premiums regardless of their driving behavior. We propose the usage-based insurance (UBI) system that takes driver behaviors into account. Locations and vehicle speed obtained from smartphones while driving are sent to the Internet of things platform for live monitoring and data storing. Stored data are later used to calculate driver behaviors i.e. annual distance and the frequency of harsh braking. The premium discount of 30% maximum will be awarded to drivers who have annual distance and the number of harsh braking less than predetermined thresholds.

引用

页码：286 / 289

页数：4

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