Istituto di Scienza e Tecnologie dell'Informazione     
Nanni M., Trasarti R., Monreale A., Grossi V., Pedreschi D. Driving profiles computation and monitoring for car insurance CRM. In: ACM Transactions on Intelligent Systems and Technology (TIST), vol. 8 (1) article n. 14. ACM, 2016.
Customer segmentation is one of the most traditional and valued tasks in customer relationship management (CRM). In this article, we explore the problem in the context of the car insurance industry, where the mobility behavior of customers plays a key role: Different mobility needs, driving habits, and skills imply also different requirements (level of coverage provided by the insurance) and risks (of accidents). In the present work, we describe a methodology to extract several indicators describing the driving profile of customers, and we provide a clustering-oriented instantiation of the segmentation problem based on such indicators. Then, we consider the availability of a continuous flow of fresh mobility data sent by the circulating vehicles, aiming at keeping our segments constantly up to date. We tackle a major scalability issue that emerges in this context when the number of customers is large-namely, the communication bottleneck-by proposing and implementing a sophisticated distributed monitoring solution that reduces communications between vehicles and company servers to the essential. We validate the framework on a large database of real mobility data coming from GPS devices on private cars. Finally, we analyze the privacy risks that the proposed approach might involve for the users, providing and evaluating a countermeasure based on data perturbation.
URL: http://dl.acm.org/citation.cfm?id=2912148
DOI: 10.1145/2912148
Subject Segmentation
Driving profiles
Distributed clustering
H.2.8 DATABASE MANAGEMENT. Database Applications. Data Mining

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