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WO2010095119A1 - Dispositif de surveillance du comportement de conduite d'un véhicule, et système et procédé pour déterminer une prime d'assurance - Google Patents

Dispositif de surveillance du comportement de conduite d'un véhicule, et système et procédé pour déterminer une prime d'assurance Download PDF

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Publication number
WO2010095119A1
WO2010095119A1 PCT/IB2010/050785 IB2010050785W WO2010095119A1 WO 2010095119 A1 WO2010095119 A1 WO 2010095119A1 IB 2010050785 W IB2010050785 W IB 2010050785W WO 2010095119 A1 WO2010095119 A1 WO 2010095119A1
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WO
WIPO (PCT)
Prior art keywords
vehicle
acceleration
data
controller
immediately preceding
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/IB2010/050785
Other languages
English (en)
Inventor
Hans Georg Wilhelm Du Plessis
Johan Rudolf Van Der Merwe
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
INNFRONT CONNEXION Pty Ltd
Original Assignee
INNFRONT CONNEXION Pty Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by INNFRONT CONNEXION Pty Ltd filed Critical INNFRONT CONNEXION Pty Ltd
Publication of WO2010095119A1 publication Critical patent/WO2010095119A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station
    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/20—Monitoring the location of vehicles belonging to a group, e.g. fleet of vehicles, countable or determined number of vehicles

Definitions

  • This invention relates to a driving behaviour monitoring device and system and a method of determining an insurance premium for a vehicle.
  • determining insurance premiums for land going vehicles involve gathering relevant personal and historical data from the applicant for insurance. This data is then classified according to broad classes for which insurance rates are assigned, based on the experience of the insurer. Factors deemed relevant to the risk level classification are: the car's brand, year of manufacture, model and value; the driver's age, gender, marital status, driving record, accident history and place of residence; the type of losses covered such as, liability, comprehensive, accident damage, theft cover, hail damage and excesses. It is believed that these traditional risk classes are outdated and that premiums paid by many customers are not a true reflection of the insurer's exposure to loss. Risk is not only determined by the aforementioned features of the driver, but factors such as where, when and how the vehicle is driven, are very relevant. Furthermore, currently available systems and methods of determining premiums provide little incentive to drivers to improve their driving behaviour. OBJECT OF THE INVENTION
  • a device for monitoring vehicle driving behaviour comprising: a controller comprising a processor; a position determining module for determining position data relating to the device connected to the controller; an acceleration module for generating a signal representative of acceleration of the device connected to the controller; the acceleration module being configured to generate a signal relating to acceleration of the device in a first direction and acceleration of the device in a second direction, which is transverse to the first direction, without receiving electronic signals from externally of the device; and the controller being configured to process the data received from the position determining module and the signal received from the acceleration module and sequentially to compile as the vehicle travels along a road data packets comprising at least position data and acceleration data; and a communications module connected to the controller for intermittently forwarding the data packets to a remote station.
  • the position determining module may comprise a GPS device or the like.
  • the aforementioned first and second directions are preferably mutually orthogonal and the acceleration module may comprise an accelerometer.
  • the accelerometer may be a G-force detector.
  • the G-force detector may utilize heat convection transfer and may have no proof mass. It will be appreciated that the detector does not require input reference electrical signals, such as signals from satellites or beacons, to generate the signal relating to acceleration of the device.
  • the first direction may be in the direction of travel and the second direction may be orthogonal thereto, and substantially parallel to a general plane of the road.
  • the communications module may comprise a wireless transmitter.
  • the transmitter may utilize a cellular infrastructure to transmit the packets to the central station.
  • the transmitter may comprise a gprs and/or 3G modem.
  • the position determining module and the acceleration module may be configured continually or intermittently, typically periodically to determine present position data and signals relating to acceleration of the device, respectively.
  • the controller may be configured to compile and to cause the communications module intermittently, typically periodically to transmit the data packets.
  • the packets may be transmitted at any suitable interval between successive packets. In some embodiments, an interval of about 300s may be suitable.
  • Each packet may have a suitable length and in some embodiments, a length of 1 s is suitable.
  • Each packet may comprise data relating to: a device identification (ID) number, position of the vehicle comprising latitude data and longitude data, real time, average vehicle speed since immediately preceding packet transmission, maximum vehicle speed since immediately preceding packet transmission, vehicle position of that maximum speed, minimum vehicle speed since immediately preceding packet transmission, vehicle position of that minimum vehicle speed, maximum vehicle acceleration in the first direction since immediately preceding packet transmission, vehicle position of that maximum vehicle acceleration, minimum vehicle acceleration in the first direction since immediately preceding packet transmission, vehicle position of that minimum vehicle acceleration, maximum vehicle acceleration in the second direction since immediately preceding packet transmission, vehicle position of that maximum vehicle acceleration, minimum vehicle acceleration in the second direction since immediately preceding packet transmission and vehicle position of that minimum vehicle acceleration.
  • ID device identification
  • the invention also includes within its scope a system for monitoring the manner in which vehicles are driven (or exposure to risk) for a plurality of vehicles, the system comprising a central processing station; a device for monitoring vehicle driving behaviour as herein defined and/or described on each of the vehicles; and a communications infrastructure for forwarding the data packets from each vehicle to the central station.
  • the central station may be connected to a geographical information system (GIS).
  • GIS geographical information system
  • a processor at the central station may apply a computerized vehicle behaviour model to the data, to classify vehicle behaviour at points along a route followed.
  • the method of determining an insurance premium for a vehicle comprises the steps of: utilizing a vehicle driving behaviour monitoring device on-board the vehicle; intermittently receiving from the device packets of data relating to the vehicle driving behaviour at a plurality of positions along a route followed by the vehicle; and for each position, computing a classification into one of a plurality of classes relating to the risk at said position.
  • figure 1 is a high level block diagram of a vehicle driving behaviour monitoring system
  • figure 2 is a high level block diagram of a vehicle mountable vehicle driving behaviour monitoring device according to the invention
  • figure 3 is a time diagram of data packets periodically transmitted by the device in figure 2
  • figure 4 is a data map of one data packet
  • figure 5 is a diagram of a route followed by a driver of a vehicle and classification by the system of the driving behaviour at the spaced positions along the route, based on the data received from the device.
  • a vehicle driving behaviour monitoring system is generally designated by the reference numeral 10 in figure 1 .
  • the system comprises at least one device 1 2 (best shown in figure 2) for monitoring vehicle driving behaviour.
  • the device 12 is permanently mounted on a land going host vehicle 14.
  • the device comprises a controller 1 6 comprising a processor, a position determining module, such as a GPS device 18 for determining position data relating to the device 1 2 connected to the controller, an acceleration module, such as an accelerometer 20 for generating a signal relating to acceleration of the device 1 2 connected to the controller.
  • the accelerometer is configured to generate a signal relating to acceleration of the device in a first direction (the x-direction shown in figure 1 ) and acceleration of the device in a second direction (the y- direction shown in figure 1 ) without reference to electronic signals from externally of the device.
  • the controller 16 is configured to process the data received from the GPS 18 and the signals received from the accelerometer 20 and sequentially to compile data packets (shown in figures 3 and 4) comprising at least position data and acceleration data as the vehicle travels along the road.
  • the device 12 further comprises a communications module 22 connected to the controller 16 for intermittently transmitting the data packets for reception by a remote central processing station 24 (shown in figure 1 ).
  • the device 1 2 further comprises a sensor 26 connected to the controller 16 and which sensor is sensitive to a voltage level of a power supply to the device, typically a battery of the vehicle.
  • the accelerometer 20 is preferably a G-force detector.
  • the G-force detector may utilize heat convection transfer and may have no proof mass. It will be appreciated that the detector does not require input electrical signals, more particularly reference signals, such as signals from satellites or beacons, to generate the signal relating to acceleration of the device.
  • the system 10 shown in figure 1 further comprises a communications infrastructure, such as a cellular wireless infrastructure 28 for forwarding the data packets from each vehicle to the central processing station 24.
  • a communications infrastructure such as a cellular wireless infrastructure 28 for forwarding the data packets from each vehicle to the central processing station 24.
  • the communications module 22 of the device 1 2 may comprise a gprs and/or 3G modem.
  • the infrastructure 28 preferably comprises an existing cellphone or mobile phone infrastructure.
  • the central station 24 may be connected to a geographical information system (GIS) 30.
  • GIS geographical information system
  • a processor at the central station 24 may apply a computerized vehicle driving behaviour model 32 to the data, to classify vehicle driving behaviour at positions or regions along a route followed, as will hereinafter be described.
  • the central station may also be connected to one or more vehicle registration databases 34. The connection to the vehicle registration databases enables the central processing station to relate device ID data to vehicle registration numbers and thereby to identify a vehicle carrying a device 1 2, by the ID data transmitted by the device 12, as will also hereinafter be described.
  • the GPS device and G-force detector are continually generating data relating to position of the device and acceleration of the device respectively.
  • the G-force device is configured to generate a first signal relating to acceleration in the first or x-direction (that is the direction wherein the vehicle carrying the device 12 is travelling) and a second signal relating to acceleration in the second direction or y-direction (that is orthogonal to the first direction), and in a plane substantially parallel to a general plane of the road.
  • the controller 16 of the device is configured to utilize this and other data to compile intermittently, typically periodically and hence at each of spaced locations Pn m to Pn+m along the road 36, data packets comprising data as hereinafter set out more fully.
  • Packet PPm, PP n and PP ⁇ + i are associated with positions Pn- 1, Pn and Pn+i along the road 36 respectively.
  • each packet comprises data relating to:
  • ID Device ID
  • V n average speed since immediately preceding packet transmission
  • Vmax maximum speed since immediately preceding packet transmission
  • the device 12 through the G-force detector 20 is sensitive to acceleration in the travelling direction, including positive acceleration and negative acceleration (that is braking and impact, for example in the case of a collision) as well as acceleration in the second and transverse direction which could be a result of, amongst others, swerving of the host vehicle 14.
  • the inputs from the GIS 30 could be used in conjunction with the data received from the device 12, to provide data relating to location attributes, such as: area where the vehicle is being driven, to distinguish between highly populated regions, populated regions and sparsely populated regions; hotspots, such as high accident incident regions as opposed to average accident incident regions and low accident incident regions; and road type, to distinguish between national roads, motorways, regional roads, other roads and tracks.
  • the data relating to average speed, maximum and minimum speeds and maximum and minimum accelerations provide an indication of how the vehicle is being driven and when linked to the data relating to position, it may be determined how the vehicle is being driven where. In a typical system, distinction may be made between manners of driving comprising: careful, assertive, bold and reckless.
  • the aforementioned real time data tn provides a time dimension to the data.
  • k classes In a typical manageable system and method there may be 1 680 different classes (or different levels of exposure to risk).
  • class one (1 ) may represent a minimum or zero risk and class 1680 a maximum legal risk.
  • Different example classes associated with positions along road 36 are illustrated in figure 5.
  • Each class is associated with a respective "pure premium" representative of the risk associated with the class. Pure premium is the premium that needs to be charged for each unit of exposure in a class so that all losses legitimately incurred for in that class are fully funded.
  • a period premium for the vehicle may have, as a contributing factor, the sum of the pure premiums of the classes computed by the central processing station for the period.
  • the pure premium for a vehicle journey A to B referred to hereinbefore is equal the total of all classes' pure premium for that journey.
  • Pure premium for a period x is equal to the total of all classes' pure premiums for period x.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Traffic Control Systems (AREA)

Abstract

Un dispositif (12) destiné à surveiller le comportement de conduite d'un véhicule comprend: un contrôleur (16) qui comprend un processeur et un module de détermination de position (18) destiné à déterminer des données de position se rapportant au dispositif. Le dispositif comprend en outre un accéléromètre (20) destiné à générer un signal représentatif de l'accélération du dispositif. L'accéléromètre est configuré de manière à générer un signal qui se rapporte à l'accélération du dispositif dans une première direction et à l'accélération du dispositif dans une seconde direction transversale par rapport à la première direction. Le contrôleur est configuré de façon à traiter les données reçues du module de détermination de position et le signal reçu de l'accéléromètre, et de façon à compiler de manière séquentielle, pendant que le véhicule circule sur une route, des paquets de données comprenant au moins des données de position et des données d'accélération. Un module de communications (22) est connecté au contrôleur de façon à transmettre par intermittence les paquets de données à une station distante.
PCT/IB2010/050785 2009-02-23 2010-02-23 Dispositif de surveillance du comportement de conduite d'un véhicule, et système et procédé pour déterminer une prime d'assurance Ceased WO2010095119A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA2009/01272 2009-02-23
ZA200901272 2009-02-23

Publications (1)

Publication Number Publication Date
WO2010095119A1 true WO2010095119A1 (fr) 2010-08-26

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PCT/IB2010/050785 Ceased WO2010095119A1 (fr) 2009-02-23 2010-02-23 Dispositif de surveillance du comportement de conduite d'un véhicule, et système et procédé pour déterminer une prime d'assurance

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WO (1) WO2010095119A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102419909A (zh) * 2011-08-19 2012-04-18 哈尔滨功成科技创业投资有限公司 高速公路车辆无线监控系统
US20140297067A1 (en) * 2012-08-02 2014-10-02 Benjamin Malay Vehicle control system
US10449967B1 (en) 2016-03-01 2019-10-22 Allstate Insurance Company Vehicle to vehicle telematics
US10565593B1 (en) 2015-06-11 2020-02-18 Allstate Insurance Company System and method for accumulation and maintenance of money in a vehicle maintenance savings account
US10915964B1 (en) 2015-03-03 2021-02-09 Allstate Insurance Company System and method for providing vehicle services based on driving behaviors

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040153362A1 (en) * 1996-01-29 2004-08-05 Progressive Casualty Insurance Company Monitoring system for determining and communicating a cost of insurance
WO2005073926A1 (fr) * 2004-01-29 2005-08-11 Intelligent Mechatronic Systems Inc. Enregistrement et rapport de caracteristiques de conduite de vehicule
EP1968029A2 (fr) * 2007-03-06 2008-09-10 Meta System S.p.A. Système et procédé pour détecter des moyens d'utilisation d'un véhicule, particulièrement pour des applications dans le domaine des assurances

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040153362A1 (en) * 1996-01-29 2004-08-05 Progressive Casualty Insurance Company Monitoring system for determining and communicating a cost of insurance
WO2005073926A1 (fr) * 2004-01-29 2005-08-11 Intelligent Mechatronic Systems Inc. Enregistrement et rapport de caracteristiques de conduite de vehicule
EP1968029A2 (fr) * 2007-03-06 2008-09-10 Meta System S.p.A. Système et procédé pour détecter des moyens d'utilisation d'un véhicule, particulièrement pour des applications dans le domaine des assurances

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102419909A (zh) * 2011-08-19 2012-04-18 哈尔滨功成科技创业投资有限公司 高速公路车辆无线监控系统
US20140297067A1 (en) * 2012-08-02 2014-10-02 Benjamin Malay Vehicle control system
US9518821B2 (en) * 2012-08-02 2016-12-13 Benjamin Malay Vehicle control system
US10571931B2 (en) 2012-08-02 2020-02-25 Ares Aerosystems Corporation Vehicle control system
US10915964B1 (en) 2015-03-03 2021-02-09 Allstate Insurance Company System and method for providing vehicle services based on driving behaviors
US10565593B1 (en) 2015-06-11 2020-02-18 Allstate Insurance Company System and method for accumulation and maintenance of money in a vehicle maintenance savings account
US11023898B1 (en) 2015-06-11 2021-06-01 Allstate Insurance Company System and method for accumulation and maintenance of money in a vehicle maintenance savings account
US11295312B1 (en) 2015-06-11 2022-04-05 Allstate Insurance Company System and method for accumulation and maintenance of money in a vehicle maintenance savings account
US12367496B2 (en) 2015-06-11 2025-07-22 Allstate Insurance Company System and method for accumulation and maintenance of money in a vehicle maintenance savings account
US10449967B1 (en) 2016-03-01 2019-10-22 Allstate Insurance Company Vehicle to vehicle telematics
US11242064B1 (en) 2016-03-01 2022-02-08 Allstate Insurance Company Vehicle to vehicle telematics
US11891071B2 (en) 2016-03-01 2024-02-06 Allstate Insurance Company Vehicle to vehicle telematics

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