本文分析了基于智能手机的UBI方案数据采集算法,解决了如何通过智能手机内置的传感器判断机动车行驶方向的加速度,并从风险评估的角度构建了整个急加减速事件判断规则框架。通过实际数据验证了算法的高效性、科学性,并可作为手机UBI方案的核心逻辑。本文的分析有助于精算师更深刻地理解车联网数据,并推动相关车险产品的创新。 This paper analyzes the UBI scheme data acquisition algorithm based on smart phone, which solves the problem of how to judge the acceleration of the vehicle in the direction of vehicle movement through the built-in sensor of the smart phone, and constructs the whole judgment framework of emergency acceleration and deceleration events from the perspective of risk assessment. The actual data shows that the algorithm is efficient and scientific, and can be used as the core logic of UBI solution. The analysis in this paper will help actuary to understand the data of car networking more deeply and promote the innovation of auto insurance products.