智能汽车保险：高分辨率，动态，隐私驱动，远程信息处理保险
Smart Auto Insurance: High Resolution, Dynamic, Privacy-Driven, Telematic Insurance
摘要：
在许多方面，数据驱动的解决问题的方法是证据支持决策的圣杯。使用第一方经验数据来分析行为并建立预测，使我们能够基于特定个体进行深入分析，并减少我们对概括的依赖。现代移动和嵌入式设备提供了丰富的传感器和收集和跟踪个性化数据的手段。将这些资产应用于保险领域（这在本质上是一种统计支持的努力）当然不是什么新鲜事;然而，以隐私驱动和安全的方式这样做并不是实施者的中心焦点。现有的数据驱动保险技术需要对数据跟踪机构（即保险公司）有一定程度的信任，以防止滥用、错误处理或过度收集用户数据。智能合约和区块链技术为我们提供了重新平衡这些系统的机会，使区块链本身成为保险公司和被保险人都可以信赖的可信代理人。我们提出了一个“智能汽车保险”系统，最大限度地减少数据共享，同时为双方提供生活质量的改善。此外，我们使用一个简单的博弈论的论点表明，使用这样的系统的客户端是disincentivized从敌对行为。
英文摘要：
Data driven approaches to problem solving are, in many regards, the holy grail of evidence backed decision making. Using first-party empirical data to analyze behavior and establish predictions yields us the ability to base in-depth analyses on particular individuals and reduce our dependence on generalizations. Modern mobile and embedded devices provide a wealth of sensors and means for collecting and tracking individualized data. Applying these assets to the realm of insurance (which is a statistically backed endeavor at heart) is certainly nothing new; yet doing so in a way that is privacy-driven and secure has not been a central focus of implementers. Existing data-driven insurance technologies require a certain level of trust in the data tracking agency (i.e. insurer) to not misuse, mishandle, or over-collect user data. Smart contracts and blockchain technology provide us an opportunity to re-balance these systems such that the blockchain itself is a trusted agent which both insurers and the insured can confide in. We propose a "Smart Auto Insurance" system that minimizes data sharing while simultaneously providing quality-of-life improvements to both sides. Furthermore, we use a simple game theoretical argument to show that the clients using such a system are disincentivized from behaving adversarially.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
