Vehicle terminal and calculation server for calculating safe driving index based on longitudinal acceleration

A vehicle terminal comprising:

• one or more processors;
• and
• a storage medium storing computer-readable instructions that, when executed by the one or more processors, enable the one or more processors to:
• collect driving information of a vehicle,
• calculate a separate safe driving index for each indicator of a set of insurance-related indicators including one of or any combination of rapid acceleration, rapid deceleration, late-night driving, and a sudden lane change based on the collected driving information, and
• transmit, to a server, the calculated separate safe driving index for each indicator at preset intervals,
• wherein a total safe driving index is calculated based on the calculated separate safe driving index for each indicator,
• wherein a first separate safe driving index of the rapid acceleration and a second separate safe driving index of the rapid deceleration are calculated based on a longitudinal acceleration of the vehicle, and
• wherein the instructions enable the one or more processors to, in response to the indicator being the sudden lane change, calculate a third separate safe driving index of the sudden lane change based on an average vehicle speed, a steering angular speed, and a yaw rate.

A server comprising:

• one or more processors;
• and
• a storage medium storing computer-readable instructions that, when executed by the one or more processors, enable the one or more processors to:
• receive, from a vehicle terminal, a separate safe driving index for each indicator of a set of insurance-related indicators including one of or any combination of rapid acceleration, rapid deceleration, late-night driving, and a sudden lane change, at a first preset period, wherein the separate safe driving index for each indicator is calculated based on driving information of a vehicle, and
• calculate a total safe driving index based on the received separate safe driving indexes for the set of insurance-related indicators, at a second preset period, and
• wherein a first separate safe driving index of the rapid acceleration and a second separate safe driving index of the rapid deceleration are calculated based on a longitudinal acceleration of the vehicle.