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Personalized Driving Data for Insurance Discounts & Public Benefits

Award Information
Agency: Department of Transportation
Branch: N/A
Contract: DTRT57-14-C-10035
Agency Tracking Number: 141FH2019
Amount: $149,979.00
Phase: Phase I
Program: SBIR
Solicitation Topic Code: 141FH2
Solicitation Number: DTRT5714RSBIR1
Solicitation Year: 2014
Award Year: 2014
Award Start Date (Proposal Award Date): 2014-08-05
Award End Date (Contract End Date): 2015-03-05
Small Business Information
8840 Stanford Blvd., suite 3500, Columbia, MD, 21045-
DUNS: 25443412
HUBZone Owned: N
Woman Owned: N
Socially and Economically Disadvantaged: N
Principal Investigator
 Hillol Kargupta
 (410) 290-0146
Business Contact
 Kakali Sarkar
Title: Chief Operating Officer
Phone: (410) 290-0146
Research Institution
This proposal suggests research on developing the next generation of consumer experience for Usage Based Insurance (UBI) in an increasingly socially connected world while addressing the need to protect privacy. It will enhance Agnik’s current consumer and UBI products through the following innovations:  Collective Incentives and Game Theory: Explore the problem of risk modeling and underwriting from a social perspective using a game theoretic analytical framework in order to design loyalty programs for drivers.  Pattern Preserving Encryption: Explore privacy-protecting data analytics algorithms for blending “pattern-preserving cryptography” with data analytics so that driver data can be analyzed without having to access raw privacy-sensitive location or driving data.  Reducing Cost and Enhancing the UBI Experience: In addition to supporting Agnik’s existing OBD-II dongle-based solutions, Agnik and Harman International will collaborate to integrate the Agnik Onboard software with Harman Infotainment system built into the head-unit of many vehicles. This will eliminate the additional cost of aftermarket OBDII dongles. The project will also explore integration with Harman’s iOnRoad smartphone App for improving consumer experience and enhanced actuarial calculations. The proposed research will be performed by Agnik and Harman International. Supporting letters from Liberty Mutual and American Family Insurance Companies are enclosed.

* Information listed above is at the time of submission. *

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