{"id":"https://openalex.org/W3169866630","doi":"https://doi.org/10.1155/2021/6784026","title":"Individual Driver Crash Risk Classification Based on IoV Data and Offline Consumer Behavior Data","display_name":"Individual Driver Crash Risk Classification Based on IoV Data and Offline Consumer Behavior Data","publication_year":2021,"publication_date":"2021-06-12","ids":{"openalex":"https://openalex.org/W3169866630","doi":"https://doi.org/10.1155/2021/6784026","mag":"3169866630"},"language":"en","primary_location":{"id":"doi:10.1155/2021/6784026","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/6784026","pdf_url":"https://downloads.hindawi.com/journals/misy/2021/6784026.pdf","source":{"id":"https://openalex.org/S152111507","display_name":"Mobile Information Systems","issn_l":"1574-017X","issn":["1574-017X","1875-905X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Mobile Information Systems","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://downloads.hindawi.com/journals/misy/2021/6784026.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5101465789","display_name":"Xuemei Zhao","orcid":"https://orcid.org/0000-0001-9249-9010"},"institutions":[{"id":"https://openalex.org/I181679659","display_name":"Shanghai University of Finance and Economics","ror":"https://ror.org/00wtvfq62","country_code":"CN","type":"education","lineage":["https://openalex.org/I181679659"]},{"id":"https://openalex.org/I4210097214","display_name":"Shandong Management University","ror":"https://ror.org/00vzprm14","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210097214"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Xuemei Zhao","raw_affiliation_strings":["School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai 200433, China","Shandong Management University, Jinan, Shandong 250357, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai 200433, China","institution_ids":["https://openalex.org/I181679659"]},{"raw_affiliation_string":"Shandong Management University, Jinan, Shandong 250357, China","institution_ids":["https://openalex.org/I4210097214"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5102026365","display_name":"Ting Lu","orcid":"https://orcid.org/0000-0001-5478-3678"},"institutions":[{"id":"https://openalex.org/I181679659","display_name":"Shanghai University of Finance and Economics","ror":"https://ror.org/00wtvfq62","country_code":"CN","type":"education","lineage":["https://openalex.org/I181679659"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Ting Lu","raw_affiliation_strings":["School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai 200433, China"],"raw_orcid":"https://orcid.org/0000-0001-5478-3678","affiliations":[{"raw_affiliation_string":"School of Information Management and Engineering, Shanghai University of Finance and Economics, Shanghai 200433, China","institution_ids":["https://openalex.org/I181679659"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5020738602","display_name":"Yonghui Dai","orcid":"https://orcid.org/0000-0002-3307-4968"},"institutions":[{"id":"https://openalex.org/I905225518","display_name":"Shanghai University of International Business and Economics","ror":"https://ror.org/031t68441","country_code":"CN","type":"education","lineage":["https://openalex.org/I905225518"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yonghui Dai","raw_affiliation_strings":["School of Management, Shanghai University of International Business and Economics, Shanghai 201620, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Management, Shanghai University of International Business and Economics, Shanghai 201620, China","institution_ids":["https://openalex.org/I905225518"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5102026365"],"corresponding_institution_ids":["https://openalex.org/I181679659"],"apc_list":{"value":2550,"currency":"USD","value_usd":2550},"apc_paid":{"value":2550,"currency":"USD","value_usd":2550},"fwci":0.7264,"has_fulltext":true,"cited_by_count":7,"citation_normalized_percentile":{"value":0.67095019,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":98},"biblio":{"volume":"2021","issue":null,"first_page":"1","last_page":"10"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10370","display_name":"Traffic and Road Safety","score":0.9890000224113464,"subfield":{"id":"https://openalex.org/subfields/2213","display_name":"Safety, Risk, Reliability and Quality"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T10370","display_name":"Traffic and Road Safety","score":0.9890000224113464,"subfield":{"id":"https://openalex.org/subfields/2213","display_name":"Safety, Risk, Reliability and Quality"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.9764000177383423,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11099","display_name":"Autonomous Vehicle Technology and Safety","score":0.9603000283241272,"subfield":{"id":"https://openalex.org/subfields/2203","display_name":"Automotive Engineering"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.784878134727478},{"id":"https://openalex.org/keywords/online-and-offline","display_name":"Online and offline","score":0.5872248411178589},{"id":"https://openalex.org/keywords/random-forest","display_name":"Random forest","score":0.436257541179657},{"id":"https://openalex.org/keywords/risk-management","display_name":"Risk management","score":0.42677274346351624},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.407478004693985},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.31892645359039307},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.15250423550605774},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.13477659225463867}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.784878134727478},{"id":"https://openalex.org/C2780102126","wikidata":"https://www.wikidata.org/wiki/Q10928179","display_name":"Online and offline","level":2,"score":0.5872248411178589},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.436257541179657},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.42677274346351624},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.407478004693985},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.31892645359039307},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.15250423550605774},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.13477659225463867},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1155/2021/6784026","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/6784026","pdf_url":"https://downloads.hindawi.com/journals/misy/2021/6784026.pdf","source":{"id":"https://openalex.org/S152111507","display_name":"Mobile Information Systems","issn_l":"1574-017X","issn":["1574-017X","1875-905X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Mobile Information Systems","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:768d47f5bd4e4e5595821639ca492845","is_oa":false,"landing_page_url":"https://doaj.org/article/768d47f5bd4e4e5595821639ca492845","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Mobile Information Systems, Vol 2021 (2021)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1155/2021/6784026","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/6784026","pdf_url":"https://downloads.hindawi.com/journals/misy/2021/6784026.pdf","source":{"id":"https://openalex.org/S152111507","display_name":"Mobile Information Systems","issn_l":"1574-017X","issn":["1574-017X","1875-905X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Mobile Information Systems","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[{"id":"https://openalex.org/G4298162232","display_name":null,"funder_award_id":"20BJY180","funder_id":"https://openalex.org/F4320327557","funder_display_name":"National Office for Philosophy and Social Sciences"},{"id":"https://openalex.org/G5921390914","display_name":null,"funder_award_id":"20BJY180","funder_id":"https://openalex.org/F4320324781","funder_display_name":"Shanghai University of Finance and Economics"},{"id":"https://openalex.org/G7788673365","display_name":null,"funder_award_id":"CXJJ-2017-418","funder_id":"https://openalex.org/F4320324781","funder_display_name":"Shanghai University of Finance and Economics"},{"id":"https://openalex.org/G7984062422","display_name":null,"funder_award_id":"CXJJ-2017-418","funder_id":"https://openalex.org/F4320327557","funder_display_name":"National Office for Philosophy and Social Sciences"}],"funders":[{"id":"https://openalex.org/F4320324781","display_name":"Shanghai University of Finance and Economics","ror":"https://ror.org/00wtvfq62"},{"id":"https://openalex.org/F4320327557","display_name":"National Office for Philosophy and Social Sciences","ror":"https://ror.org/04m0ms912"}],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3169866630.pdf","grobid_xml":"https://content.openalex.org/works/W3169866630.grobid-xml"},"referenced_works_count":58,"referenced_works":["https://openalex.org/W116278252","https://openalex.org/W1459970050","https://openalex.org/W1588001529","https://openalex.org/W1966694297","https://openalex.org/W1972997465","https://openalex.org/W1973934431","https://openalex.org/W1983628226","https://openalex.org/W1985791000","https://openalex.org/W1993626219","https://openalex.org/W1998328025","https://openalex.org/W2006303015","https://openalex.org/W2008982283","https://openalex.org/W2011730299","https://openalex.org/W2031533523","https://openalex.org/W2038194220","https://openalex.org/W2047150210","https://openalex.org/W2052392041","https://openalex.org/W2070011824","https://openalex.org/W2073067026","https://openalex.org/W2073537988","https://openalex.org/W2087347434","https://openalex.org/W2111619626","https://openalex.org/W2117481573","https://openalex.org/W2117738223","https://openalex.org/W2157825442","https://openalex.org/W2210233451","https://openalex.org/W2212765426","https://openalex.org/W2288349164","https://openalex.org/W2336713873","https://openalex.org/W2554310451","https://openalex.org/W2554630140","https://openalex.org/W2584176441","https://openalex.org/W2608634440","https://openalex.org/W2617284765","https://openalex.org/W2618757996","https://openalex.org/W2734357356","https://openalex.org/W2737130455","https://openalex.org/W2766189887","https://openalex.org/W2783509777","https://openalex.org/W2799522612","https://openalex.org/W2911964244","https://openalex.org/W2941193446","https://openalex.org/W2946900845","https://openalex.org/W2952805814","https://openalex.org/W2971717062","https://openalex.org/W2991181945","https://openalex.org/W2997352570","https://openalex.org/W3043890802","https://openalex.org/W3107871314","https://openalex.org/W3109013100","https://openalex.org/W3111855148","https://openalex.org/W3112552342","https://openalex.org/W3112856749","https://openalex.org/W3123100403","https://openalex.org/W3123479729","https://openalex.org/W3125686817","https://openalex.org/W3126174111","https://openalex.org/W4229726281"],"related_works":["https://openalex.org/W3193043704","https://openalex.org/W4386259002","https://openalex.org/W1546989560","https://openalex.org/W3171520305","https://openalex.org/W1924178503","https://openalex.org/W3135126032","https://openalex.org/W4308716060","https://openalex.org/W4280648719","https://openalex.org/W4386937079","https://openalex.org/W4394984040"],"abstract_inverted_index":{"With":[0],"the":[1,22,25,46,58,71,80,112,131,141,150,157],"development":[2,47],"of":[3,36,48,60,73,82,134,143,159],"big":[4],"data":[5,94,109,118,148],"technologies,":[6],"usage-based":[7],"insurance":[8,15,66,173],"(UBI)":[9],"has":[10,44,52],"received":[11],"considerable":[12],"attention":[13],"from":[14,34,120],"companies.":[16],"UBI":[17,176],"products":[18],"focus":[19],"on":[20,111,175],"identifying":[21],"relationship":[23],"between":[24],"individual":[26],"driver\u2019s":[27,83],"risk":[28,62,152],"and":[29,91,101,114,145,179],"online":[30,144],"channel":[31,76,147],"behavior":[32,108,117,162],"variables":[33,77,163],"Internet":[35],"Vehicles":[37],"(IoV)":[38],"data.":[39],"Although":[40],"omnichannel":[41],"information":[42],"integration":[43],"promoted":[45],"many":[49],"industries,":[50],"it":[51],"not":[53],"been":[54],"used":[55],"to":[56,130],"improve":[57],"accuracy":[59],"driver":[61],"classification":[63,81,132],"models":[64],"in":[65,78,164],"industries.":[67],"This":[68],"paper":[69],"investigates":[70],"role":[72],"combining":[74],"different":[75,93,151,165],"improving":[79],"risk.":[84,135],"Specifically,":[85],"several":[86],"models,":[87],"including":[88],"logistic":[89],"regression":[90],"three":[92],"mining":[95],"techniques":[96],"(neural":[97],"networks,":[98],"random":[99],"forests,":[100],"support":[102],"vector":[103],"machines),":[104],"augmented":[105],"with":[106],"driving":[107],"based":[110],"IoV":[113],"offline":[115,146,160],"consumer":[116,161],"collected":[119],"4S":[121],"(Sale,":[122],"Spare":[123],"part,":[124],"Service,":[125],"Survey)":[126],"dealers,":[127],"are":[128],"applied":[129],"model":[133],"The":[136],"empirical":[137],"results":[138,154],"show":[139],"that":[140],"inclusion":[142],"improves":[149],"assessments;":[153],"also":[155],"demonstrate":[156],"importance":[158],"models.":[166],"These":[167],"insights":[168],"have":[169],"important":[170],"implications":[171],"for":[172],"companies":[174],"pricing":[177],"strategy":[178],"cost":[180],"management.":[181]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":1}],"updated_date":"2026-07-23T08:03:31.855105","created_date":"2025-10-10T00:00:00"}