Telematics / Usage‑Based (Motor) — Host‑to‑Host Integration

Purpose of Host‑to‑Host

Ingest trip and event data from smartphones, OBD‑II dongles, BLE beacons, OEM APIs.
Compute driver/vehicle risk scores and exposure for usage‑based pricing and rewards.
Trigger FNOL, emergency assistance, and fraud checks from crash detection.

Core Data Objects

Device/App: id, platform, pairing (vehicle/driver), consent, firmware/app version
Trip: start/stop time/geo, distance, duration, context (night/rain), exposure units
Events: acceleration, harsh brake, cornering, speeding, phone‑use, crash
Scores: driver score, trip score, trend, confidence, band
Pricing Inputs: miles/km driven, behavior factors, contexts, vehicle attributes
Claims Hooks: crash signal, severity estimate, last location, photos, tele‑FNOL token
Events: devicePaired, tripStarted, eventIngested, scoreUpdated, crashDetected

Example API Endpoints

POST /devices/register
Register device/app; attach to policy/vehicle/driver

POST /trips/ingest
Upload trip summary with GPS trace hash

POST /events/ingest
Upload driving events and sensor metrics

POST /score/driver
Compute driver score & band with explanations

POST /pricing/ubi
Return usage‑based premium deltas & discounts

POST /claims/fnol-from-telematics
Create FNOL from crash signal (with consent)

POST /alerts
Create safety alerts and recommendations

POST /callbacks/status
Async updates to PAS/Claims/CRM

Sample Trip Ingestion

POST /trips/ingest
{
  "deviceId":"OBD-88F21",
  "driverId":"DRV-1021",
  "vehicle":{"plate":"B1234XYZ","vin":"MHKGN58F..."},
  "start":"2025-08-14T07:21:00+07:00",
  "end":"2025-08-14T07:53:00+07:00",
  "distanceKm": 21.3,
  "context":{"night":false,"rain":true,"urban":true},
  "hash":"sha256:..."
}

Sample Driver Score

POST /score/driver
{
  "driverId":"DRV-1021",
  "windowDays": 30,
  "features":{"harshBrakes": 7, "overSpeedMins": 14, "phoneUseMins": 6, "nightKm": 12.4}
}
-- RESPONSE --
{
  "score": 0.78,
  "band": "MEDIUM",
  "reasons": ["Speeding at night","Phone use during trip"],
  "discountPct": 3.5
}

Reference Flows

Onboarding & Consent

Customer pairs device/app → /devices/register
Consent scopes stored; device health monitored
Welcome journey + safe‑driving tips

Streaming Ingestion

Trips/events posted to /trips/ingest & /events/ingest
Scores updated; alerts pushed to customer app
Exposure fed to Rating/PAS for UBI pricing

Crash → Tele‑FNOL

Crash detected → severity estimate & last location
Consent check → /claims/fnol-from-telematics
Tow/assistance dispatched; claim opened

Rewards & Coaching

Monthly review → /score/driver results
Discounts/vouchers offered for safe behavior
Insights shared via notifications & email

Security & Controls

mTLS for server‑to‑server; OAuth2/OIDC for app users; short‑TTL tokens.
PII minimization; location privacy (precision throttling, consented sharing).
Signed payloads; anti‑replay; device attestation where supported.
Idempotency keys and rate limiting for ingestion endpoints.

Monitoring & Audit

Ingestion success/latency; device online rate; sensor drift.
Score distribution & drift; discount cost vs loss ratio impact.
Crash‑to‑FNOL conversion; false‑positive/negative checks.

What You Get

OpenAPI + Mobile SDKs (iOS/Android) and OBD/BLE reference adapters.
Scoring templates & notebooks; pricing mapping to Rating/PAS.
Tele‑FNOL workflows and assistance integration.
Dashboards for ingestion, scoring, rewards, and claims triggers.
Annual maintenance incl. change requests; on‑prem or cloud.