01899nas a2200169   4500008004100000245007000041210006900111300001700180490000600197520138900203100001701592700002201609700001901631700002001650700002001670856003901690       2016                        eng d00aDriving Profiles Computation and Monitoring for Car Insurance CRM0 aDriving Profiles Computation and Monitoring for Car Insurance CR  a14:1–14:260 v83 aCustomer segmentation is one of the most traditional and valued tasks in customer relationship management (CRM). In this article, we explore the problem in the context of the car insurance industry, where the mobility behavior of customers plays a key role: Different mobility needs, driving habits, and skills imply also different requirements (level of coverage provided by the insurance) and risks (of accidents). In the present work, we describe a methodology to extract several indicators describing the driving profile of customers, and we provide a clustering-oriented instantiation of the segmentation problem based on such indicators. Then, we consider the availability of a continuous flow of fresh mobility data sent by the circulating vehicles, aiming at keeping our segments constantly up to date. We tackle a major scalability issue that emerges in this context when the number of customers is large-namely, the communication bottleneck-by proposing and implementing a sophisticated distributed monitoring solution that reduces communications between vehicles and company servers to the essential. We validate the framework on a large database of real mobility data coming from GPS devices on private cars. Finally, we analyze the privacy risks that the proposed approach might involve for the users, providing and evaluating a countermeasure based on data perturbation.1 aNanni, Mirco1 aTrasarti, Roberto1 aMonreale, Anna1 aGrossi, Valerio1 aPedreschi, Dino  uhttp://doi.acm.org/10.1145/2912148