Efficient implementation of electronic data collection assisted vehicle insurance schemes

摘要

A system and method is provided for reporting positioning data of a vehicle to a central server. A class of vehicle insurance schemes relies on data received from electronic on-board devices in a client's vehicle - these are generally known as "Pay-As-You-Drive" insurance schemes. Related on-board devices up to now have been built as all-in-one units and closed systems. The present invention utilizes to full extent possible synergies between a client's mobile terminal and an on board device which implements positioning and data storage functionalities. Reporting of positioning data to a central server is achieved by establishing a local connection from the onboard device to the mobile terminal, transmitting stored positioning data and utilizing the processing, interface and communication facilities of the mobile terminal. Furthermore, the invention describes preprocessing of positioning data in the mobile terminal and an efficient billing scheme updating process utilizing a central accident database matching parameters derived from reported vehicle positioning data with accident data.