CN106855965A - A kind of driving run-length data based on motor vehicle assesses the method that it drives risk - Google Patents
A kind of driving run-length data based on motor vehicle assesses the method that it drives risk Download PDFInfo
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- CN106855965A CN106855965A CN201610675922.1A CN201610675922A CN106855965A CN 106855965 A CN106855965 A CN 106855965A CN 201610675922 A CN201610675922 A CN 201610675922A CN 106855965 A CN106855965 A CN 106855965A
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- driving
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- motor vehicle
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The method that its driver drives risk is assessed the invention discloses a kind of driving run-length data based on motor vehicle, by the driving run-length data that driver is obtained as one or more vehicle intelligent hardware of sensor being deployed in motor vehicle, it includes the position of motor vehicle, and corresponding position is comprehensively taken into account from people/from row/from car/from the behavior expression of driving of environmental factor, by such drivings run-length data for obtaining and the characteristic information that electronic map information obtains described driving risk factors correlation is merged.It is of the invention directly to drive the characteristic information that run-length data extracts risk factors correlation with driver, and based on driving methods of risk assessment proposed by the present invention, the factor or the factor that will likely be caused the accident are showed in the form of driver's risk score, driver and insurance company can intuitively carry out risk score analysis and judgement drives risk, so as to the purpose for reaching optimization driving habit, advocate economic driving, civilization trip, reduce accident rate.
Description
Technical field
The present invention relates to a kind of appraisal procedure, specifically a kind of driving run-length data based on motor vehicle assesses its driver
(driver of the present invention can be drive robot or automatic/semi-automatic steering device) operating motor vehicles drive risk
Method.
Background technology
At present, the traditional insurance products of car insurance in the market, when insurance premium is calculated, only considered part " from car "
Factor, such as automobile model, discharge capacity these Static State Indexes.Some Hesperian insurance products, when insurance premium is calculated, remove
Consider outside " from the car " factor of part, it is also contemplated that part " from people " factor, such as age, sex, professional these Static State Indexes.
Certain areas, such as China, " from people " factor for actually taking this kind of static state into account are meaningless, because the actual people for driving, can be through
Often change.
Meanwhile, the innovation insurance based on UBI (Usage Based Insurance/User Behavior Insurance)
Product has occurred, and these products are mainly based upon the driving range number of the motor vehicle of car owner to calculate its insurance premium.These
Product only considered the factor of part " from row " when premium is calculated.
The content of the invention
Its driver (institute of the present invention is assessed it is an object of the invention to provide a kind of driving run-length data based on motor vehicle
It can be drive robot or automatic/semi-automatic steering device to state driver) drive risk method, to solve above-mentioned background
The problem proposed in technology.
To achieve the above object, the present invention provides following technical scheme：
A kind of driving run-length data based on motor vehicle assesses its driver, and (driver of the present invention can be driving machine
Device people or automatic/semi-automatic steering device) drive the motor vehicle driving risk method, by being deployed in motor vehicle
The driving run-length data of driver is obtained as one or more vehicle intelligent hardware of sensor, it includes the position of motor vehicle
Put, and corresponding position is comprehensively taken into account from people/from row/from car/from the behavior expression of driving of environmental factor, such as direction, speed,
Acceleration, traveling lane etc..By such drivings run-length data for obtaining and merge electronic map information obtain described in driving
The related characteristic information of risk factors.
As further scheme of the invention：The stroke of motor vehicle can be one section of continuous stroke in a period of time,
It can also be the set of the multiple different stroke in a period of time.
As further scheme of the invention：To drive run-length data and its related characteristic information as input,
And electronic map information is merged, and calculate each individual event of the trip and drive risk factors scoring, then each individual event risk factors are carried out
Comprehensive analysis obtains the integrated risk scoring of whole stroke.
As further scheme of the invention：Based on the run-length data and the related characteristic information of respective risk factors,
Calculate correspondence individual event and drive risk factors scoring, then each individual event risk factors are weighted and averagely obtain whole stroke
Integrated risk scores.
As further scheme of the invention：Based on the run-length data and comprehensive other risk factors features of multiple letter
Breath, calculates correspondence individual event and drives risk factors scoring, then each individual event risk factors is weighted and averagely obtain whole row
The integrated risk scoring of journey.
Compared with prior art, the beneficial effects of the invention are as follows：It is of the invention directly to drive run-length data extraction with driver
The related characteristic information of risk factors, and based on driving methods of risk assessment proposed by the present invention, it would be possible to cause the accident because
Element or the factor are showed in the form of driver's risk score, and driver and insurance company can intuitively according to risk score
Analysis and judgement drive risk, so as to the mesh for reaching optimization driving habit, advocate economic driving, civilization trip, reduce accident rate
's.
Additionally, the method for the present invention extracts the related characteristic information of risk factors by driving run-length data, take into account from people/
From row/from car/carry out risk assessment from the combined influence of the factor of environment, including take field when non-car owner drives its motor vehicle into account
Scape！
Brief description of the drawings
Fig. 1 is that the driving run-length data based on motor vehicle assesses the method that its driver drives the driving risk of the motor vehicle
Flow chart.
Fig. 2 is that the driving run-length data based on motor vehicle assesses the method that its driver drives the driving risk of the motor vehicle
The flow chart of middle first embodiment；
Fig. 3 is that the driving run-length data based on motor vehicle assesses the method that its driver drives the driving risk of the motor vehicle
The flow chart of middle second embodiment.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
Fig. 1~3 are referred to, in the embodiment of the present invention, a kind of driving run-length data based on motor vehicle assesses its driver
The method for driving the motor vehicle driving risk, by one or more vehicle intelligents as sensor being deployed in motor vehicle
Hardware obtains the driving run-length data of driver, and it includes position of motor vehicle, and corresponding position comprehensively take into account from people/
From row/from car/from the behavior expression of driving of environmental factor, such as direction, speed, acceleration, traveling lane.By so acquisition
Driving run-length data and merge the characteristic information that electronic map information obtains described drivings risk factors correlation；Motor vehicle
Stroke can be the collection of one section of continuous stroke in a period of time, or the multiple different stroke in a period of time
Close；To drive run-length data and its related characteristic information as input, and electronic map information is merged, calculate the trip each
Individual event drives risk factors scoring, and the integrated risk that then each individual event risk factors are carried out with the comprehensive analysis whole stroke of acquisition is commented
Point.
Operation principle of the invention is：Driving run-length data of the present invention based on motor vehicle assesses its driver and drives the machine
The method of the driving risk of motor-car, by one or more vehicle intelligent hardware as sensor for being deployed in motor vehicle come
Obtain driver driving run-length data, it include motor vehicle position, and corresponding position comprehensively take into account from people/from row/
From car/from the behavior expression of driving of environmental factor, such as direction, speed, acceleration, traveling lane.By driving for such acquisition
Sail run-length data and merge electronic map information and obtain the related characteristic information of described driving risk factors；The stroke of motor vehicle
It can be the set of one section of continuous stroke in a period of time, or the multiple different stroke in a period of time；With
Run-length data and its related characteristic information are driven as input, and merges electronic map information, calculate each individual event of the trip
Risk factors scoring is driven, then each individual event risk factors are carried out with the integrated risk scoring that comprehensive analysis obtains whole stroke.
The computing formula of the related characteristic information of risk factors：
Fi=gi (Qi, T, M)
Wherein, Fi is i-th characteristic information of risk factors correlation；G i are the corresponding mapping functions of this feature information；Qi
It is corresponding parameter vector, is obtained by experiment or by sample learning；T is corresponding run-length data set；M is map
Data acquisition system.
Individual event drives the computing formula of risk factors scoring：
Si=fi (Pi, F, M)
Wherein, Si is that i-th individual event drives risk factors scoring；F i are the corresponding mapping functions of the individual event；Pi is correspondence
Parameter vector, obtained by experiment or by sample learning；F drives the related characteristic information vector of risk factors；M is
Map datum set.
The computing formula of the integrated risk scoring of whole stroke：
ST=ft (S, W)
Wherein, the integrated risk scoring of the whole strokes of ST, ft is corresponding mapping function；S be each individual event drive risk because
Element scoring vector；W is corresponding parameter vector, is obtained by experiment or by sample learning.
Below by several embodiments, the present invention will be described
Embodiment 1：The characteristic information extracted from the driving run-length data of driver is included but is not limited to：
Hypervelocity behavior；Zig zag, anxious acceleration behavior；Anxious deceleration behavior；Night running feature；Features of regional environment；Traveling
Duration characteristics；Distance travelled feature.Based on above-mentioned run-length data and the related characteristic information of respective risk factors, calculate following
Correspondence individual event drives risk factors scoring：
A) speed scoring Ss, its corresponding weight is Ws；
B) anxious to accelerate scoring Sa, its corresponding weight is Wa；
C) the anxious scoring Sd that slows down, its corresponding weight is Wd；
D) zig zag scoring Su, its corresponding weight is Wu；
E) night running scoring Sn, its corresponding weight is Wn；
F) regional environment scoring Sr, its corresponding weight is Wr；
G) traveling duration scoring St, its corresponding weight is Wt；
H) distance travelled scoring Sm, its corresponding weight is Wm；
All weights meet：
∑ Wi=1
Then each individual event risk factors are weighted with the integrated risk scoring for averagely obtaining whole stroke.
Embodiment 2：The characteristic information extracted from the driving run-length data of driver is included but is not limited to：Hypervelocity behavior；It is anxious
Turn, suddenly accelerate behavior；Anxious deceleration behavior；Night running feature；Features of regional environment；Traveling duration characteristics；Distance travelled is special
Levy.Based on above-mentioned run-length data and comprehensive other risk factors characteristic informations of multiple, calculate following each individual events drive risks because
Element scoring：
A) speed scoring Ss, such as it is contemplated that risk factors characteristic information e), f), g), h) in one or more come comprehensive
Calculate；Its corresponding weight is Ws；
B) it is anxious to accelerate scoring Sa, such as it is contemplated that risk factors characteristic information e), f), g), h) in one or more come comprehensive
It is total to calculate；Its corresponding weight is Wa；
C) the anxious scoring Sd that slows down, such as it is contemplated that risk factors characteristic information e), f), g), h) in one or more come comprehensive
It is total to calculate；Its corresponding weight is Wd；
D) zig zag scoring Su, such as it is contemplated that risk factors characteristic information e), f), g), h) in one or more come comprehensive
It is total to calculate；Its corresponding weight is Wu；
E) night running scoring Sn, such as it is contemplated that risk factors characteristic information a), b), c), d) in one or more come
COMPREHENSIVE CALCULATING；Its corresponding weight is Wn；
F) regional environment scoring Sr, such as it is contemplated that risk factors characteristic information a), b), c), d) in one or more come
COMPREHENSIVE CALCULATING；Its corresponding weight is Wr；
G) traveling duration scoring St, such as it is contemplated that risk factors characteristic information a), b), c), d) in one or more come
COMPREHENSIVE CALCULATING；Its corresponding weight is Wt；
H) distance travelled scoring Sm, such as it is contemplated that risk factors characteristic information a), b), c), d) in one or more come
COMPREHENSIVE CALCULATING；Its corresponding weight is Wm；
All weights meet：
∑ Wi=1
Then each individual event risk factors are weighted with the integrated risk scoring for averagely obtaining whole stroke.
It is obvious to a person skilled in the art that the invention is not restricted to the details of above-mentioned one exemplary embodiment, Er Qie
In the case of without departing substantially from spirit or essential attributes of the invention, the present invention can be in other specific forms realized.Therefore, no matter
From the point of view of which point, embodiment all should be regarded as exemplary, and be nonrestrictive, the scope of the present invention is by appended power
Profit requires to be limited rather than described above, it is intended that all in the implication and scope of the equivalency of claim by falling
Change is included in the present invention.Any reference in claim should not be considered as the claim involved by limitation.
Moreover, it will be appreciated that although the present specification is described in terms of embodiments, not each implementation method is only wrapped
Containing an independent technical scheme, this narrating mode of specification is only that for clarity, those skilled in the art should
Specification an as entirety, the technical scheme in each embodiment can also be formed into those skilled in the art through appropriately combined
May be appreciated other embodiment.
Claims (5)
1. a kind of driving run-length data based on motor vehicle assesses the method that its driver drives risk, it is characterised in that pass through
The driving run-length data that driver is obtained as one or more vehicle intelligent hardware of sensor in motor vehicle is deployed in,
It includes position of motor vehicle, and corresponding position is comprehensively taken into account from people/from row/from car/from the behavior of driving of environmental factor
Performance, by such drivings run-length data for obtaining and merges electronic map information and obtains described driving risk factors correlation
Characteristic information.
2. the driving run-length data based on motor vehicle according to claim 1 assesses the method that its driver drives risk,
Characterized in that, the stroke of motor vehicle can be a period of time in one section of continuous stroke, or for a period of time in
The set of multiple different strokes.
3. the driving run-length data based on motor vehicle according to claim 1 assesses the method that its driver drives risk,
Characterized in that, to drive run-length data and its related characteristic information as input, and electronic map information is merged, calculate
Each individual event of the trip drives risk factors scoring, then each individual event risk factors is carried out with comprehensive analysis and obtains the comprehensive of whole stroke
Close risk score.
4. the driving run-length data based on motor vehicle according to claim 3 assesses the method that its driver drives risk,
Characterized in that, based on the run-length data and the related characteristic information of respective risk factors, calculating correspondence individual event and driving wind
Then each individual event risk factors are weighted the integrated risk scoring for averagely obtaining whole stroke by dangerous factor scores.
5. the driving run-length data based on motor vehicle according to claim 3 assesses the method that its driver drives risk,
Characterized in that, based on the run-length data and comprehensive other risk factors characteristic informations of multiple, calculating correspondence individual event and driving
Risk factors are scored, and then each individual event risk factors are weighted with the integrated risk scoring for averagely obtaining whole stroke.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610675922.1A CN106855965A (en) | 2016-08-16 | 2016-08-16 | A kind of driving run-length data based on motor vehicle assesses the method that it drives risk |
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| CN201610675922.1A CN106855965A (en) | 2016-08-16 | 2016-08-16 | A kind of driving run-length data based on motor vehicle assesses the method that it drives risk |
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| CN107437147A (en) * | 2017-08-02 | 2017-12-05 | 辽宁友邦网络科技有限公司 | Reduce the vehicle travel risk dynamic assessment method and its system of freight logistics scene |
| CN107918826A (en) * | 2017-11-13 | 2018-04-17 | 北京航空航天大学 | The driver's evaluation and dispatching method that a kind of driving environment perceives |
| CN108196525A (en) * | 2017-12-27 | 2018-06-22 | 卡斯柯信号有限公司 | The operational safety risk dynamic analysing method of Train Running Control System for High Speed |
| CN108257032A (en) * | 2017-12-14 | 2018-07-06 | 民太安财产保险公估股份有限公司 | One kind is used for insurance subject methods of risk assessment and system |
| CN108320232A (en) * | 2018-02-02 | 2018-07-24 | 斑马网络技术有限公司 | Insurance coverage of driving a vehicle generates system and method |
| CN108492053A (en) * | 2018-04-11 | 2018-09-04 | 北京汽车研究总院有限公司 | The training of driver's risk evaluation model, methods of risk assessment and device |
| CN108510400A (en) * | 2017-09-19 | 2018-09-07 | 腾讯科技（深圳）有限公司 | Automobile insurance information processing method and processing device, server and readable storage medium storing program for executing |
| CN109754595A (en) * | 2017-11-01 | 2019-05-14 | 阿里巴巴集团控股有限公司 | Appraisal procedure, device and the interface equipment of vehicle risk |
| CN110287703A (en) * | 2019-06-10 | 2019-09-27 | 百度在线网络技术（北京）有限公司 | The method and device of vehicle safety risk supervision |
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| CN107437147A (en) * | 2017-08-02 | 2017-12-05 | 辽宁友邦网络科技有限公司 | Reduce the vehicle travel risk dynamic assessment method and its system of freight logistics scene |
| CN108510400A (en) * | 2017-09-19 | 2018-09-07 | 腾讯科技（深圳）有限公司 | Automobile insurance information processing method and processing device, server and readable storage medium storing program for executing |
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| CN109754595A (en) * | 2017-11-01 | 2019-05-14 | 阿里巴巴集团控股有限公司 | Appraisal procedure, device and the interface equipment of vehicle risk |
| CN109754595B (en) * | 2017-11-01 | 2022-02-01 | 阿里巴巴集团控股有限公司 | Vehicle risk assessment method and device and interface equipment |
| CN107918826B (en) * | 2017-11-13 | 2021-09-28 | 北京航空航天大学 | Driver evaluation and scheduling method for driving environment perception |
| CN107918826A (en) * | 2017-11-13 | 2018-04-17 | 北京航空航天大学 | The driver's evaluation and dispatching method that a kind of driving environment perceives |
| CN108257032A (en) * | 2017-12-14 | 2018-07-06 | 民太安财产保险公估股份有限公司 | One kind is used for insurance subject methods of risk assessment and system |
| CN108196525A (en) * | 2017-12-27 | 2018-06-22 | 卡斯柯信号有限公司 | The operational safety risk dynamic analysing method of Train Running Control System for High Speed |
| CN108196525B (en) * | 2017-12-27 | 2019-11-12 | 卡斯柯信号有限公司 | The operational safety risk dynamic analysing method of Train Running Control System for High Speed |
| CN108320232A (en) * | 2018-02-02 | 2018-07-24 | 斑马网络技术有限公司 | Insurance coverage of driving a vehicle generates system and method |
| CN108492053A (en) * | 2018-04-11 | 2018-09-04 | 北京汽车研究总院有限公司 | The training of driver's risk evaluation model, methods of risk assessment and device |
| CN110287703A (en) * | 2019-06-10 | 2019-09-27 | 百度在线网络技术（北京）有限公司 | The method and device of vehicle safety risk supervision |
| CN111489058A (en) * | 2020-03-17 | 2020-08-04 | 吉利汽车研究院（宁波）有限公司 | Civilized driving guiding method, guiding system, vehicle and cloud server |
| CN111612334A (en) * | 2020-05-20 | 2020-09-01 | 上海评驾科技有限公司 | Driving behavior risk rating judgment method based on Internet of vehicles data |
| CN113052363A (en) * | 2021-02-19 | 2021-06-29 | 北京华油信通科技有限公司 | Comprehensive optimization method and system for dangerous chemical road transportation scheme |
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Application publication date: 20170616 |