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-[#]: collector: (lujun9972)
-[#]: translator: (chen-ni)
-[#]: reviewer: ( )
-[#]: publisher: ( )
-[#]: url: ( )
-[#]: subject: (When IoT systems fail: The risk of having bad IoT data)
-[#]: via: (https://www.networkworld.com/article/3396230/when-iot-systems-fail-the-risk-of-having-bad-iot-data.html)
-[#]: author: (Fredric Paul https://www.networkworld.com/author/Fredric-Paul/)
-
-When IoT systems fail: The risk of having bad IoT data
-======
-As the use of internet of things (IoT) devices grows, the data they generate can lead to significant savings for consumers and new opportunities for businesses. But what happens when errors inevitably crop up?
-![Oonal / Getty Images][1]
-
-No matter what numbers you look at, it’s clear that the internet of things (IoT) continues to worm its way into more and more areas of personal and private life. That growth brings many benefits, but it also poses new risks. A big question is who takes responsibility when things go wrong.
-
-Perhaps the biggest issue surrounds the use of IoT-generated data to personalize the offering and pricing of various products and services. [Insurance companies have long struggled with how best to use IoT data][2], but last year I wrote about how IoT sensors are beginning to be used to help home insurers reduce water damage losses. And some companies are looking into the potential for insurers to bid for consumers: business based on the risks (or lack thereof) revealed by their smart-home data.
-
-But some of the biggest progress has come in the area of automobile insurance, where many automobile insurers already let customers install tracking devices in their cars in exchange for discounts for demonstrating safe-driving habits.
-
-**[ Also read:[Finally, a smart way for insurers to leverage IoT in smart homes][3] ]**
-
-### **The rise of usage-based insurance**
-
-Called usage-based insurance (UBI), this “pay-as-you-drive” approach tracks speed, location, and other factors to assess risk and calculate auto insurance premiums. An estimated [50 million U.S. drivers][4] will have enrolled in UBI programs by 2020.
-
-Not surprisingly, insurers love UBI because it helps them calculate their risks more precisely. In fact, [AIG Ireland is trying to get the country to require UBI for drivers under 25][5]. And demonstrably safe drivers are also often happy save some money. There has been pushback, of course, mostly from privacy advocates and groups who might have to pay more under this model.
-
-### **What happens when something goes wrong?**
-
-But there’s another, more worrisome, potential issue: What happens when the data provided by the IoT device is wrong or gets garbled somewhere along the way? Because despite all the automation, error-checking, and so on, occasional errors inevitably slip through the cracks.
-
-Unfortunately, this isn’t just an academic concern that might someday accidentally cost some careful drivers a few extra bucks on their insurance. It’s already a real-world problem with serious consequences. And just like [the insurance industry still hasn’t figured out who should “own” data generated by customer-facing IoT devices][6], it’s not clear who would take responsibility for dealing with problems with that data.
-
-Though not strictly an IoT issue, computer “glitches” allegedly led to Hertz rental cars erroneously being reported stolen and innocent renters being arrested and detained. The result? Criminal charges, years of litigation, and finger pointing. Lots and lots of finger pointing.
-
-With that in mind, it’s easy to imagine, for example, an IoT sensor getting confused and indicating that a car was speeding even while safely under the speed limit. Think of the hassles of trying to fight _that_ in court, or arguing with your insurance company over it.
-
-(Of course, there’s also the flip side of this problem: Consumers may find ways to hack the data shared by their IoT devices to fraudulently qualify for lower rates or deflect blame for an incident. There’s no real plan in place to deal with _that_ , either.)
-
-### **Studying the need for government regulation**
-
-Given the potential impacts of these issues, and the apparent lack of interest in dealing with them from the many companies involved, it seems legitimate to wonder if government intervention is warranted.
-
-That could be one motivation behind the [reintroduction of the SMART (State of Modern Application, Research, and Trends of) IoT Act][7] by Rep. Bob Latta (R-Ohio). [The bill][8], stemming from a bipartisan IoT working group helmed by Latta and Rep. Peter Welch (D-Vt.), passed the House last fall but failed in the Senate. It would require the Commerce Department to study the state of the IoT industry and report back to the House Energy & Commerce and Senate Commerce Committee in two years.
-
-In a statement, Latta said, “With a projected economic impact in the trillions of dollars, we need to look at the policies, opportunities, and challenges that IoT presents. The SMART IoT Act will make it easier to understand what the government is doing on IoT policy, what it can do better, and how federal policies can impact the research and discovery of cutting-edge technologies.”
-
-The research is welcome, but the bill may not even pass. Even it does, with its two-year wait time, the IoT will likely evolve too fast for the government to keep up.
-
-Join the Network World communities on [Facebook][9] and [LinkedIn][10] to comment on topics that are top of mind.
-
---------------------------------------------------------------------------------
-
-via: https://www.networkworld.com/article/3396230/when-iot-systems-fail-the-risk-of-having-bad-iot-data.html
-
-作者：[Fredric Paul][a]
-选题：[lujun9972][b]
-译者：[译者ID](https://github.com/译者ID)
-校对：[校对者ID](https://github.com/校对者ID)
-
-本文由 [LCTT](https://github.com/LCTT/TranslateProject) 原创编译，[Linux中国](https://linux.cn/) 荣誉推出
-
-[a]: https://www.networkworld.com/author/Fredric-Paul/
-[b]: https://github.com/lujun9972
-[1]: https://images.idgesg.net/images/article/2018/08/cloud_connected_smart_cars_by_oonal_gettyimages-692819426_1200x800-100767788-large.jpg
-[2]: https://www.networkworld.com/article/3264655/most-insurance-carriers-not-ready-to-use-iot-data.html
-[3]: https://www.networkworld.com/article/3296706/finally-a-smart-way-for-insurers-to-leverage-iot-in-smart-homes.html
-[4]: https://www.businessinsider.com/iot-is-changing-the-auto-insurance-industry-2015-8
-[5]: https://www.iotforall.com/iot-data-is-disrupting-the-insurance-industry/
-[6]: https://www.sas.com/en_us/insights/articles/big-data/5-challenges-for-iot-in-insurance-industry.html
-[7]: https://www.multichannel.com/news/latta-re-ups-smart-iot-act
-[8]: https://latta.house.gov/uploadedfiles/smart_iot_116th.pdf
-[9]: https://www.facebook.com/NetworkWorld/
-[10]: https://www.linkedin.com/company/network-world
diff --git a/translated/talk/20190520 When IoT systems fail- The risk of having bad IoT data.md b/translated/talk/20190520 When IoT systems fail- The risk of having bad IoT data.md
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--- /dev/null
+++ b/translated/talk/20190520 When IoT systems fail- The risk of having bad IoT data.md	
@@ -0,0 +1,77 @@
+[#]: collector: (lujun9972)
+[#]: translator: (chen-ni)
+[#]: reviewer: ( )
+[#]: publisher: ( )
+[#]: url: ( )
+[#]: subject: (When IoT systems fail: The risk of having bad IoT data)
+[#]: via: (https://www.networkworld.com/article/3396230/when-iot-systems-fail-the-risk-of-having-bad-iot-data.html)
+[#]: author: (Fredric Paul https://www.networkworld.com/author/Fredric-Paul/)
+
+当物联网系统出现故障：使用低质量物联网数据的风险
+======
+
+伴随着物联网设备使用量的增长，这些设备产生的数据可以让消费者节约巨大的开支，也给商家带来新的机遇。但是当故障不可避免地出现的时候，会发生什么呢？
+![Oonal / Getty Images][1]
+
+你可以去看任何统计数字，很明显物联网正在走进个人生活和私人生活的方方面面。这种增长虽然有不少好处，但是也带来了新的风险。一个很重要的问题是，出现问题的时候谁来负责呢？
+
+也许最大的问题出在基于物联网数据进行的个性化营销以及定价策略上。[保险公司长期以来致力于寻找利用物联网数据的最佳方式][2]，我去年写过家庭财产保险公司是如何开始利用物联网传感器减少水灾带来的损失的。一些公司正在研究保险公司向消费者竞标的可能性，这种业务基于智能家居数据所揭示的风险的高低。
+
+但是最大的进步出现在汽车保险领域。许多汽车保险公司已经可以让客户在车辆上安装追踪设备，如果数据证明他们的驾驶习惯良好就可以获取保险折扣。
+
+**[ 延伸阅读:[保险公司终于有了一个利用智能家居物联网的好办法][3] ]**
+
+### **UBI 车险的崛起**
+
+UBI（基于使用的保险）车险是一种“按需付费”的业务，可以通过追踪速度、位置，以及其他因素来评估风险并计算车险保费。到2020年，预计有[5000万美国司机][4]会加入到 UBI 车险的项目中。
+
+不出所料，保险公司对 UBI 车险青睐有加，因为 UBI 车险可以帮助他们更加精确地计算风险。事实上，[AIG 爱尔兰已经在尝试让国家向 25 岁以下的司机强制推行 UBI 车险][5]。并且，被认定为驾驶习惯良好的司机自然也很乐意节省一笔费用。当然也有反对的声音了，大多数是来自于隐私权倡导者，以及会因此支付更多费用的群体。
+
+### **出了故障会发生什么？**
+
+但是还有一个更加令人担忧的潜在问题：当物联网设备提供的数据有错误，或者在传输过程中出了问题会发生什么？因为尽管有自动化程序，错误检查等等，还是不可避免地会偶尔发生一些故障。
+
+不幸的是，这并不是一个理论上某天会给谨慎的司机不小心多扣几块钱保费的问题。这已经是一个会带来严重后果的现实问题。就像[保险行业仍然没有想清楚谁应该“拥有”面向客户的物联网设备产生的数据][6]一样，我们也不清楚谁将对这些数据所带来的问题负责。
+
+计算机"故障"据说曾导致赫兹的租车被误报为被盗（虽然在这个例子中这并不是一个严格意义上的物联网问题），并且导致无辜的租车人被逮捕并扣留。结果呢？刑事指控，多年的诉讼官司，以及舆论的指责。非常强烈的舆论指责。
+
+我们非常容易想象一些类似的情况，比如说一个物联网传感器出了故障，然后报告说某辆车超速了，然而事实上并没有超速。想想为这件事打官司的麻烦吧，或者想想和你的保险公司如何争执不下。
+
+（当然，这个问题还有另外一面：消费者可能会想办法篡改他们的物联网设备上的数据，以获得更低的费率或者转移事故责任。我们同样也没有可行的办法来应对 _这个问题_ 。）
+
+### **政府监管是否有必要**
+
+考虑到这些问题的潜在影响，以及所涉及公司对处理这些问题的无动于衷，我们似乎有理由猜想政府干预的必要性。
+
+这可能是众议员 Bob Latta（俄亥俄州，共和党）[重新引入 SMART IOT（物联网现代应用、研究及趋势的现状）法案][7]背后的一个动机。这项由 Latta 和众议员 Peter Welch（佛蒙特州，民主党）领导的两党合作物联网工作组提出的[法案][8]，于去年秋天通过众议院，但被参议院驳回了。商务部需要研究物联网行业的状况，并在两年后向众议院能源与商业部和参议院商务委员会报告。
+
+Latta 在一份声明中表示，“由于预计会有数万亿美元的经济影响，我们需要考虑物联网所带来的的政策，机遇和挑战。SMART IoT 法案会让人们更容易理解政府在物联网政策上的做法、可以改进的地方，以及联邦政策如何影响尖端技术的研究和发明。”
+
+这项研究受到了欢迎，但该法案甚至可能不会被通过。即便通过了，物联网在两年的等待时间里也可能会翻天覆地，让政府还是无法跟上。
+
+加入 Network World 的[Facebook 社区][9] 和 [LinkedIn 社区][10]，参与最前沿话题的讨论。
+
+
+--------------------------------------------------------------------------------
+
+via: https://www.networkworld.com/article/3396230/when-iot-systems-fail-the-risk-of-having-bad-iot-data.html
+
+作者：[Fredric Paul][a]
+选题：[lujun9972][b]
+译者：[chen-ni](https://github.com/chen-ni)
+校对：[校对者ID](https://github.com/校对者ID)
+
+本文由 [LCTT](https://github.com/LCTT/TranslateProject) 原创编译，[Linux中国](https://linux.cn/) 荣誉推出
+
+[a]: https://www.networkworld.com/author/Fredric-Paul/
+[b]: https://github.com/lujun9972
+[1]: https://images.idgesg.net/images/article/2018/08/cloud_connected_smart_cars_by_oonal_gettyimages-692819426_1200x800-100767788-large.jpg
+[2]: https://www.networkworld.com/article/3264655/most-insurance-carriers-not-ready-to-use-iot-data.html
+[3]: https://www.networkworld.com/article/3296706/finally-a-smart-way-for-insurers-to-leverage-iot-in-smart-homes.html
+[4]: https://www.businessinsider.com/iot-is-changing-the-auto-insurance-industry-2015-8
+[5]: https://www.iotforall.com/iot-data-is-disrupting-the-insurance-industry/
+[6]: https://www.sas.com/en_us/insights/articles/big-data/5-challenges-for-iot-in-insurance-industry.html
+[7]: https://www.multichannel.com/news/latta-re-ups-smart-iot-act
+[8]: https://latta.house.gov/uploadedfiles/smart_iot_116th.pdf
+[9]: https://www.facebook.com/NetworkWorld/
+[10]: https://www.linkedin.com/company/network-world