Whether you look at what the statistics, it is clear that things are being entered every aspect of personal and private life. Although there are many benefits of this growth, but it also brings new risks. A very important question is, when there is a problem of who is responsible for it?
Perhaps the biggest problem lies in personalized marketing and pricing strategies based on Internet of Things data. Insurance company has long been committed to finding the best way to take advantage of the Internet of Things data , last year I wrote a homeowners insurance company is how things started to use sensors to reduce losses caused by the floods. The possibility of insurance companies bid for consumer companies are studying: this business based on the level of risk of the smart home data revealed.
But the greatest progress occurs in the field of auto insurance. Many car insurance companies allow customers may already installed tracking device on the vehicle, if the data to prove their good driving habits you can get the insurance discount.
◈ Further reading: Insurance companies finally have a good way to take advantage of smart home Internet of ThingsUBI rise of auto insurance
UBI (usage-based insurance-based Insurance used) auto insurance is a kind of "pay" business risk can be assessed by tracking the speed, location, and other factors and calculate auto insurance premiums. By 2020, an estimated 50 million American drivers will be added to UBI auto insurance project.
Not surprisingly, insurance companies favor a plus for UBI auto insurance, auto insurance because UBI can help them more accurately calculate risk. In fact, AIG Ireland has been trying to make the country less than 25 years old driver UBI mandatory auto insurance . And it was identified as the driver of good driving habits naturally be happy to save a fee. Of course there are dissenting voices, the majority from privacy advocates, and will therefore pay more groups.
He broke down what happens?
But there is a more worrying potential problem: When the data networking equipment was provided by an error, or a problem in the transmission process what happens? Because while there is automated, error checking, and so on, or will inevitably be some failures occur occasionally.
Unfortunately, this is not a theoretical one day give careful driver accidentally deducted a few dollars more than the issue premium. This is already a reality will bring serious consequences. Like the insurance industry is still not clear who should want to "own" the data customer-facing things produced by the device , we do not know who will be responsible for issues arising from these data.
Computer "failure" is said to have led to the Hertz rental car was erroneously reported as stolen (although in this case it is not a question of things on a strict sense), and lead to innocent car were arrested and detained. The results of it? Criminal charges, years of lawsuits and public accusations. Very strong public accusations.
We are very easy to imagine a number of similar cases, such as a sensor of things broke down, and then reported that a speeding car, but in fact was not speeding. Think of it as the court of trouble it, or think about how your insurance company at loggerheads over.
(Of course, there is another side to this issue: consumers may find a way to tamper with data on their physical networking equipment, in order to obtain lower rates or transfer of responsibility for the accident we also no feasible way to deal with. This problem . )
Whether government regulation is necessary
Taking into account the potential impact of these issues, as well as companies involved indifferent to address these issues, we seem to have reason to suspect that the need for government intervention.
This could be US Rep. Bob Latta (Ohio Republican) reintroduced SMART IOT (Internet of Things status of modern applications, research and trends) bill a motive behind it. The proposed by a bipartisan working group of things Latta and US Rep. Peter Welch (Vermont, Democratic Party) led by the bill , last fall by the United States House of Representatives, the US Senate but was rejected. US Department of Commerce need to study the situation of the networking industry, and to report to the US House of Representatives Energy and Commerce and the US Senate Commerce Committee two years later.
Latta said in a statement that "due to the economic impact is expected to be trillions of dollars, we need to consider the policies of things brought about by the opportunities and challenges .SMART IoT bill will make it easier for people to understand the US government was practices of networking policy, areas for improvement, as well as US federal policy affecting how cutting-edge technology research and invention. "
The study was welcomed, but the bill may not even be through. Even if passed, things could be enormous waiting period of two years, the US government still can not keep up.
Author: Fredric Paul topics: lujun9972 Translator: chen Ni- proof: wxy
This article from the LCTT original compiler, Linux China is proud