From physical to cyber: Escalating protection for personalized auto insurance

Le Guan, Jun Xu, Shuai Wang, Xinyu Xing, Lin Lin, Heqing Huang, Peng Liu, Wenke Lee

Research output: Chapter in Book/Report/Conference proceedingConference contribution

7 Scopus citations

Abstract

Nowadays, auto insurance companies set personalized insurance rate based on data gathered directly from their customers' cars. In this paper, we show such a personalized insurance mechanism-wildly adopted by many auto insurance companies-is vulnerable to exploit. In particular, we demonstrate that an adversary can leverage o-The-shelf hardware to manipulate the data to the device that collects drivers' habits for insurance rate customization and obtain a fraudulent insurance discount. In response to this type of attack, we also propose a defense mechanism that escalates the protection for insurers' data collection. The main idea of this mechanism is to augment the insurer's data collection device with the ability to gather unforgeable data acquired from the physical world, and then leverage these data to identify manipulated data points. Our defense mechanism leveraged a statistical model built on unmanipulated data and is robust to manipulation methods that are not foreseen previously. We have implemented this defense mechanism as a proof-of-concept prototype and tested its effectiveness in the real world. Our evaluation shows that our defense mechanism exhibits a false positive rate of 0.032 and a false negative rate of 0.013.

Original languageEnglish (US)
Title of host publicationProceedings of the 14th ACM Conference on Embedded Networked Sensor Systems, SenSys 2016
PublisherAssociation for Computing Machinery, Inc
Pages42-55
Number of pages14
ISBN (Electronic)9781450342636
DOIs
StatePublished - Nov 14 2016
Event14th ACM Conference on Embedded Networked Sensor Systems, SenSys 2016 - Stanford, United States
Duration: Nov 14 2016Nov 16 2016

Publication series

NameProceedings of the 14th ACM Conference on Embedded Networked Sensor Systems, SenSys 2016

Other

Other14th ACM Conference on Embedded Networked Sensor Systems, SenSys 2016
CountryUnited States
CityStanford
Period11/14/1611/16/16

All Science Journal Classification (ASJC) codes

  • Hardware and Architecture
  • Computer Networks and Communications
  • Control and Systems Engineering
  • Electrical and Electronic Engineering

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  • Cite this

    Guan, L., Xu, J., Wang, S., Xing, X., Lin, L., Huang, H., Liu, P., & Lee, W. (2016). From physical to cyber: Escalating protection for personalized auto insurance. In Proceedings of the 14th ACM Conference on Embedded Networked Sensor Systems, SenSys 2016 (pp. 42-55). (Proceedings of the 14th ACM Conference on Embedded Networked Sensor Systems, SenSys 2016). Association for Computing Machinery, Inc. https://doi.org/10.1145/2994551.2994573