Electronics of Usage Based Insurance Device Considerations Mike - - PowerPoint PPT Presentation

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Electronics of Usage Based Insurance Device Considerations Mike - - PowerPoint PPT Presentation

Aug 18, 2023 47 likes •287 views

Electronics of Usage Based Insurance Device Considerations Mike Carroll VP Sales-Telematics Danlaw Inc Agenda Danlaw DNA Corporate Overview p Automotive Telematics 101 The Basics What data is available from the

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SLIDE 1

Electronics of Usage Based Insurance “Device Considerations”

Mike Carroll – VP Sales-Telematics Danlaw Inc

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SLIDE 2

Agenda

  • Danlaw DNA – Corporate Overview

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  • Automotive Telematics 101 – The Basics
  • What data is available from the car
  • OBDII Device Considerations
  • Data Transmission
  • Best Practices
  • Automotive Telematics 201 – The Road less Travelled
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SLIDE 3

Insurance Telematics Growing

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SLIDE 4

Vehicle Telematics

How it works: How it works:

Wireless/Cell lar Wireless/Cell lar GPS GPS Wireless/Cellular Wireless/Cellular Data Center Data Center OBDII DataLogger or OEM OBDII DataLogger or OEM End End-

  • User

User-

  • Apps

Apps

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SLIDE 5

m2m Value Chain

CLIENT END USERS CARRIER GATEWAY SERVICES CLIENT DEVICE H/W

in in

LOGGER DEPLOY

value chai value chai ing blocks ing blocks M2m M2m Build Build

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SLIDE 6

Typical OBD DataLogger

Accelerometer Accelerometer Internal GPS Antenna Internal GPS Antenna OBDII OBDII – – J1962 Connector J1962 Connector Internal Cellular Antenna Internal Cellular Antenna Weight: 53.8 grams/1.9 ounces Weight: 53.8 grams/1.9 ounces Weight: 53.8 grams/1.9 ounces Weight: 53.8 grams/1.9 ounces

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SLIDE 7

Additional Device Features Friend or Foe? Friend or Foe?

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SLIDE 8

Simple Self-Installation

Find the OBDII Port usually located in the driver’s Step 1 Insert the DataLogger Step 2 Find the OBDII Port usually located in the driver s side foot well under the steering column Insert the DataLogger into the OBDII Port

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SLIDE 9

OBD: 1996-Present

What, Where, When, Why, How and How Many

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SLIDE 10

How can a “standard” not be standard?

Protocol Name Speed Used by

Vehicle Protocol Support

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ISO 9141 10.4 Kbits/second most Asian and European manufacturers J1850 PWM (Pulse Width Modulation) 41.6 Kbits/second Ford, Mazda J1850 VPW (Cl II) J1850 VPW (Class II) (Variable Pulse Width) 10.4 & 41.6 Kbits/second primarily older model GMs ISO 14230 KWP2000 100 Kbits/second Older Chrysler ISO 15765 250 & 500 Kbits/second All major OEMs by 2008 CAN (Controller Area Network) 11bit & 29bit identifier addressing Varies by application

GMLAN (GM), FNOS (Ford)

Ford, GM, DCX, European & Asian OEMs

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SLIDE 11

Common Logger Parameters

Feature Example Installs via OBDII

◙

Installs via OBDII

◙

Unit ID

◙

VIN

◙

ODO*

◙

Vehicle Speed

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Trip Start/End

◙

Connect Event

◙

Disconnect Event

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GPS - LAT/LON/ALT

◙

RPM

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Throttle Position

◙

Battery Voltage

◙

E T I Member

  • Par

tner

Coolant Temp

◙

MIL Status

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Othe r OBDII and Non OBDII data c an be c olle c te d on a c ustom basis * ODO is pr

  • vide d as long as the ODO output is pr
  • vide d by the OE

M

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SLIDE 12

Data Transport & Firmware Updates

  • Cellular
  • GSM vs. CDMA
  • TCP vs. UDP
  • SMS
  • SMS
  • Bluetooth

Wifi

  • Wifi
  • USB
  • FOTA vs. Fixture
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SLIDE 13

Transport Certifications

  • FCC Certification: PTCRB
  • Carrier Certifications:
  • AT&T
  • Rogers
  • Sprint
  • T-Mobile
  • Verizon
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SLIDE 14

Physical & Electrical Testing

  • Bump test occasional EN 60068‐2‐29:1993

y g

p 9 993

  • Random vibration 5Hz to 200Hz 8 Hours
  • Power Temperature Cycling 35 Cycles ‐40 to +85

Th l Sh k EN 6 68 ii

  • Thermal Shock EN 60068‐2‐14: 1999xii
  • Free fall ‐ EN 60068‐2‐32:1993xxii
  • EMC ‐ ESD SAE J551/15

EMC ESD SAE J551/15

  • Sleep State Current Consumption
  • Functional Validation – As per customer requirements
  • Independent Customer Testing
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SLIDE 15

Data Transmission

Wh l i d th H i Why less is more and other Heresies

  • Give me ALL the data
  • Data Compression
  • Event Thresholds
  • Event Thresholds
  • Summary Reporting
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SLIDE 16

Detour Ahead

Wh i d ? Where is my data?

  • Compatible Vehicle?
  • Device Shipped?
  • Installed?

Installed?

  • Provisioned on Cell carrier?
  • Pointed at correct server?
  • Correct firmware?

F ti i d i ?

  • Functioning device?
  • Activated in Gateway?
  • Cell coverage?
  • Mapped to DB?

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  • Output from Scoring Alg?
  • Pushed to Data Warehouse?
  • Insurance or Consumer Facing App working?
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SLIDE 17

Vehicle M2M Challenges g

Wireless:

Certifications: PTCRB & FCC & Wireless Carrier Certifications Data Plans, Roaming Rules, FOTA g BlueTooth, WiFi, Zigbee, DSRC for device‐to‐device communications

Vehicle Compatibility:

250 illi & i k th d ith 35 000 i Y /M k /M d l 250 million cars, suvs & pickups on the road with over 35,000 unique Year/Make/Models Hybrid Vehicles, Future Vehicles & Future Protocols (FlexRay, etc.) Truck and Heavy Duty Vehicle Protocol (1708 & 1939)

D t I t it Data Integrity:

GPS Data Quality, OBD Data Capture Functional/Proprietary Message Data support (ODO, VIN, etc.)

Integration & Website Issues:

Integration of Device Data with backend Applications IT Infrastructure, Backend & website to display the data

Automotive OEM vs. Aftermarket Lifecycles 9.5 vs. 2.5 years

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SLIDE 18

Just when you thought it was safe to get back in the car

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SLIDE 19

Best Practices from 15 projects

  • Reducing Risk: Trusted Partners
  • Reducing Risk: Trusted Partners
  • Setting Expectations
  • Phased Rollouts
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SLIDE 20

Critical Task Items

  • Critical Data Elements
  • Trip Report Summary
  • Trip Definition
  • LBS services
  • IT Systems Integration
  • Single Sign‐On Strategy

Actuary Actuary

  • Trip Definition
  • Data Frequency
  • Data Format

Integration Integration

  • Wireless Data Billing

Order Fulfillment Order Fulfillment Fulfillment Fulfillment Marketing Marketing

  • Branding
  • Enclosure Logo/Color
  • Unit Provisioning
  • SIM, VIN, Unit ID

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  • Packaging
  • Website Colors/Logos/look & feel

, ,

  • Username/Password
  • Shipping (FEDEX, UPS…)
  • Opt‐Out Strategy & RMA
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SLIDE 21

Vehicle Telematics Vertical Markets

INSURANCE AUTOMOTIVE FLEET LEASING/ LOANS TRUCK/HEAVY EQUIPMENT TRAFFIC CONTROL OEM –TIER1 ENGINEERING ROADSIDE ASSIST PAYD Teen Safety High Risk Diagnostics Mileage Maintenance High Risk Immobilizer Buy‐Pay Here Mileage Maintenance Diagnostics ITS Road Tolling Congestion Mgt Data Recording Trouble Shooting Service Systems Towing Diagnostics Door Unlock g Crash Detect Theft Recovery Break in Detect g Dispatch Track & Trace Fuel Use/Econ Track & Trace Diagnostics g Dispatch Track & Trace Fuel Use/Econ g g VII y Track & Trace ECU FOTA LBS E‐Call/E‐911 Crash Detect V2V Pay Go Break‐in Detect Fuel Use/Econ Road Tax Emissions Fuel Use/Econ Road Tax Service Hours Crash Detect Recovery Pay‐Go Emissions

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SLIDE 22

The Road less Traveled

O t ≠ O li ti

  • One port ≠ One application
  • Who else wants to take a byte out of your data?

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SLIDE 23
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SLIDE 24
  • Mike Carroll

Questions?

  • Mike Carroll
  • mikec@danlawinc.com
  • 248‐705‐5732
  • Thanks for your time
  • Thanks for your time…..

From your friends at Danlaw