Development of a Mobile App to improve the drivers' behavior exploiting a Gamification mechanism built on Blockchain

It is well known that auto Insurance Companies (ICs) use driving related data collected by continuously tracking the drivers’ behaviors to determine and adjust the auto premiums defining the Personalized Car Insurances. It is also well known that the majority of traffic incidents is due to human factors, especially to aggressive driving. However, the rules of Personalized Car Insurances, the evaluation model according to which auto premiums are calculated as well as the process through which the drivers’ behavior is detected by the ICs, are unknown. In this work, recognizing the importance of monitoring the drivers’ behavior and considering the necessity to overcome the limits of the actual Personalized Car insurances, a system based on a Blockchain solution and a Mobile App solution is proposed. Specifically the Mobile app is used to implement the process of detecting the drivers' behavior: at first raw data acquisition and transformation is executed; then a developed algorithm is implemented for analysing data with the aim to detect aggressive events; at the end, a kind of score is computed by implementing an Event-count based algorithm. The data considered to be relevant for classifying the drivers' behavior are then transferred and stored on the Blockchain platform. The blockchain solution describes a Gamification mechanism, which logic is defined by a developed Smart Contract: according to a final ranking, the drivers resulting to have the safest driving style will be awarded. The mutual contribution of these two system's components allows to monitor the drivers' behavior by relying on transparent processes and data, by preserving the privacy of sensitive and personal data, and by stimulating the drivers toward a safe driving style through a playful context.