Scalable Backend System for Smartphone-Based Telematics and Driver Scoring

The client is a leading telematics organization primarily serving fleet operators with external device-based solutions. They face challenges in offering cost-effective, scalable, and user-friendly telematics services to individual policyholders due to the limitations of physical device installation. There is a need to develop a new backend platform capable of collecting and analyzing heterogeneous trip data from smartphones to support Usage-Based Insurance models.

A large telematics solution provider aiming to expand into individual driver monitoring and Usage-Based Insurance markets through a smartphone-based platform.

• Design and implement a fully scalable, reliable backend infrastructure for collecting and processing trip data from smartphones.
• Develop algorithms to evaluate and score individual driving skills based on heterogeneous data inputs such as GPS, accelerometer, weather, and road conditions.
• Enable real-time detection of hazardous driving events such as speeding and harsh acceleration.
• Support rapid deployment and iteration of features, including user engagement enhancements like gamification and safety tips.
• Ensure the system can efficiently handle over 100,000 users per year with hundreds of requests per second, maintaining high performance and reliability.
• Facilitate customizable client-specific features to increase user engagement and data utilization for diverse insurance partners.

• Data ingestion layer for collecting real-time GPS, accelerometer, weather, and road data from smartphones.
• Processing algorithms for detecting hazardous events such as speeding and harsh accelerations.
• Driver scoring engine that evaluates trips based on various safety and skill metrics.
• User engagement modules including social features, gamification, badge collection, and safety tips.
• Robust deployment pipeline supporting multiple production releases and updates.
• High concurrency support to process hundreds of requests per second with scalable infrastructure.

• Mobile device sensors (GPS, accelerometer)
• Weather data APIs
• Road condition and map data services
• Client-specific user engagement platforms

• System must support over 100,000 active users annually.
• Handle hundreds of requests per second with minimal latency.
• Ensure data privacy and security compliance.
• Design for high availability and fault tolerance.
• System should allow rapid feature deployment and iterative updates.

The new telematics backend aims to enable the client to support a large-scale smartphone-based driver monitoring platform, attracting multiple insurance partners. Targeting an initial user base of over 100,000 users annually, the system is expected to process hundreds of requests per second with high reliability. This will facilitate the development of Usage-Based Insurance offerings, improve driver safety scoring, enhance user engagement through gamification and social features, and ultimately expand market share in individual telematics services.