How to use SafetyNex V2.1 for Insurance applications, and for
Automotive applications (ADAS & autonomous vehicle)
INTRODUCTION: Description of 2.1 SafetyNex
SafetyNex is a software module proposed by the French company NEXYAD. This module aims to match the driving style (acceleration, vehicle speed) with the danger characteristics of infrastructure.
SafetyNex development started in 2001 and benefited from three national collaborative research programs (PREDIT and FUI) that allowed NEXYAD modeling expertise of road equipment notation accident-prone infrastructure.
Indeed, the accident-prone nature of a local infrastructure, cannot be deduced from statistical studies on this local element, for the simple reason that accidents are rare events.A driver has one accident every 70 000 km.
To investigate the accident, the experts of the equipment mainly use two methods:
. aggregated statistics at national and European level : it provides large numbers of accidents and thus make statistics relevant. But heterogeneous infrastructure through Europe makes it difficult to project results on a local infrastructure that has its own characteristics, sometimes far from the average characteristic in France or Europe.
. the observation of “near misses” or « almost accident » as they are numerous : most potential accidents can be nearly avoided by drivers. Experts of infrastructure developed observatories for those danger situations and it brings useful information.
From these elements, the experts of the infrastructure have published a set of rules for predicting accidents, based on characteristics, the accident-prone characters of a piece of infrastructure.
For example, a bend may be accident-prone if its radius greatly shortens in its middle (curve which closes), but a “normal” curve may become dangerous if it comes after a long distance of straight line (this is called “break out on the pathway “).
NEXYAD integrated all these rules in SafetyNex and has made numerous tests on real world to validate the efficiency of scoring danger.
SafetyNex V2.1 reads on-board navigation map that gives infrastructure characteristics , downstream of the vehicle, and then SafetyNex scores the relevancy of the driving style, knowing the shape of the road ahead and other important things (pedestrian pathway, …).
Note: in a higher version (already being tested), SafetyNex may also reflect the presence of other users on the road (cars, trucks, bicycles, motorcycles, pedestrians …) by coupling it to RoadNex (road detection by camera), and ObstaNex (obstacles detection by camera).
But this version will require to have appropriate computing power to process videos. The Moore law lets us think i twill be easy and cheap in 2 or 3 years.
For now, we think that adaptation of the driving type with infrastructure characteristics meets a real issue and SafetyNex V2.1 is the only available (and for sale) module in the world for performing this function.
The output computed by SafetyNex is the road safety risk, between 0 and 100%, at every moment.
It is possible to use SafetyNex in real time to alert the driver.
It also may be used off-line, aggregating the risk : SafetyNex used to complete big data with revelant variables to study the road safety risk, in a statistical way.
SafetyNex is available in three types of running environments:
. PC under Windows or Linux
. Electronic device of an Automotive Tier One Company, for the new vehicles and aftermarket
SafetyNex V2.1 FOR USE OF INSURANCE
Insurance Companies have several ways to use SafetyNex V2.1:
. free distribution of the SafetyNex App for smartphones to all their customers :
In this case, the business model is to seek partners who want to reduce their cost of acquiring customers online.
In fact, when you divide the advertising budget of a major retailer (Amazon, Fnac, Darty, …) by the number of purchases, there are about 30 euros (cost of a customer).
The idea of NEXYAD then is to propose a serious game that “gives” points to drivers who behave well.
These points are converted into “coupons” with one or more distributors. The drivers will go on the website in order to validate coupons by purchasing products. In doing so (spotted digitally with flash code …), the distributor will give back 15 euros : 7,5 euros for the cupons, and 7,5 euros for the Insurance Company that distributed the NEXYAD App to their millions of customers. The insurer therefore makes money and share revenue with NEXYAD and its technology partners.
This solution is particularly interesting for several reasons:
. the insurance company earns money directly on millions of purchases.
. drivers do their best to earn coupons, and therefore change their driving behavior to achieve it.
The insurer therefore modifies in a sustainable way the driving style, and contributes to the decline in the number of accidents. The Communications Department of the the Insurance company may use this fact for communicating it to the public.
. the largest distributors lower their customers acquisition costs and they can then lower their advertising budget
. the driver improves self safety, and is able to purchase more.
. distribution in an electronic device :
The electronic device has the advantage of being still operational without driver intervention.
This solution is particularly interesting for business fleets, and allows to quickly and efficiently initiate a type of pricing system “pay how you drive” that may be seen as an extension of the bonus / malus system, but with a predictive power.
. constitution of big data for actuaries:
Risk can be recorded onboard, or in aggregate, giving statisticians a new variable for more accuracy on pricing.
SafetyNex V2.1 FOR USE IN ADAS AND AUTONOMOUS CAR APPLICATIONS
The road safety risk measurement is of course interesting for automotive applications :
. SafetyNex read the shape of infrastructure downstream of the vehicle (electronic horizon), and can therefore help to choose which types of sensors are relevant.
. SafetyNex can estimate the maximum distance targetable by sensors (radar, camera, …) depending on the shape of the infrastructure (turn, climb, …)
. During a delegation of driving, the robot drives the vehicle and then SafetyNex V2.1 can estimate the road safety related to the automatic driving.
The road safety score can be used in several ways:
. Off-line: the engineers who design and develop driving delegation system uses the risk score of SafetyNex V2.1 as a feedback, and try to minimize it by successive tests.
. On-line: the risk score is used by the decision-making system to generate actions that lead to the lowest possible risk.
SafetyNex V2.1 is now available and NEXYAD is currently working on deployment opportunities worldwide at the beginning of 2016.
This module is unique and has a direct effect, if properly used, on road safety.
For more information: firstname.lastname@example.org
DEMO WITH SOUND IN URBAN TRAFFIC
Put the sound on for this demo with vocal explanations :