?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.relation=http%3A%2F%2Fmiis.maths.ox.ac.uk%2Fmiis%2F708%2F&rft.title=Functional+Data+Privacy+Algorithms+for+User+Based+Insurance&rft.creator=Spelman%2C+T.&rft.creator=Wood%2C+D.&rft.creator=Whittaker%2C+Robert&rft.creator=Kubiak%2C+M.&rft.subject=Retail&rft.description=By+monitoring+each+driver%E2%80%99s+driving+characteristics+individually%2C+car+in-+surance+premiums+can+be+set+to+directly+reflect+that+driver%E2%80%99s+risk.+Since+such+premiums+tend+to+be+cheaper%2C+their+uptake+has+increased+in+recent+years%2C+even+outside+the+original+market+of+young+drivers.+However%2C+a+lot+of+data+(including+GPS)+is+collected+about+each+car+journey+in+order+to+judge+the+driver%E2%80%99s+ability+which+raises+privacy+issues%2C+with+a+particular+concern+being+that+every+car+journey+can+be+reconstructed+from+that+data.+We+looked+at+what+to+change+(or+remove)+from+the+collected+data+so+that+driver%E2%80%99s+journeys+couldn%E2%80%99t+be+reconstructed%2C+while+retaining+as+much+information+about+each+driver+as+possible+so+the+insurance+com-+pany+can+still+study+a+driver%E2%80%99s+charcateristics+and+potentially+use+the+bulk+data+for+testing+new+methods+in+future.%0D%0A%0D%0AControl+F1+does+not+want+to+use+private+key+cryptography+for+customer+relation+reasons.+We+have+deduced+that+GPS+data+would+have+to+be+deleted+to+retain+privacy%2C+however+a+quick+experiment+and+a+literature+review+suggests+using+heading+and+distance+travelled+data+would+still+be+sufficient+to+reconstruct+journeys.%0D%0A%0D%0AWe+considered+deleting+GPS+data+and+time+data+and+then+randomising+all+the+data+points+of+a+journey.+This+removes+most+of+the+information+about+the+journey+but+the+%E2%80%9Destimated+journey+vector%E2%80%9D+constructed+from+the+bearing+and+distance+data+will+still+be+retained.+The+journey+vector+most+accurately+matched+the+actual+GPS+calculated+journey+vector+for+longer+journeys+and+non-circular+journeys.+Also%2C+particularly+for+longer+journeys%2C+it+can+be+used+to+identify+similar+journeys+e.g.+someone%E2%80%99s+commute.%0D%0A%0D%0ACars+slow+down+at+junctions+and+traffic+lights+so+data+points+are+more+commonly+taken+just+before+a+turn.+This+effects+the+accuracy+of+the+bearing+and+distance+data.+We+studied+the+error+in+the+%E2%80%9Dlocal+estimated+journey+vector%E2%80%9D+caused+by+a+junction.+We+suspect+distance+errors+grow+faster+than+bearing+errors%2C+which+agrees+with+the+analysed+data.&rft.date=2015-03&rft.type=Study+Group+Report&rft.type=NonPeerReviewed&rft.format=application%2Fpdf&rft.language=en&rft.identifier=http%3A%2F%2Fmiis.maths.ox.ac.uk%2Fmiis%2F708%2F1%2FControlF1.pdf&rft.identifier=++Spelman%2C+T.+and+Wood%2C+D.+and+Whittaker%2C+Robert+and+Kubiak%2C+M.++(2015)+Functional+Data+Privacy+Algorithms+for+User+Based+Insurance.++%5BStudy+Group+Report%5D+++++