CN102436629A - Method for providing car insurance underwriting for car on basis of OBD (on-board diagnostics) technology - Google Patents
Method for providing car insurance underwriting for car on basis of OBD (on-board diagnostics) technology Download PDFInfo
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- CN102436629A CN102436629A CN2011101306449A CN201110130644A CN102436629A CN 102436629 A CN102436629 A CN 102436629A CN 2011101306449 A CN2011101306449 A CN 2011101306449A CN 201110130644 A CN201110130644 A CN 201110130644A CN 102436629 A CN102436629 A CN 102436629A
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Abstract
The invention relates to a method for providing car insurance underwriting for a car on the basis of an OBD (on-board diagnostics) technology. The method comprises the following steps: OBD terminal equipment transmits the acquired car data into a server system; after processing and calculation or analysis, the server system divides car data information into car fault data, car driving data and driving behavior data and displays the three types of information on a platform of an insurance enterprise in the form of data, report and icons; and an underwriting person analyzes the information, makes the information into visual data, and provides a policy scheme taking the visual data as basis for car users. The method utilizes the OBD as a data acquisition means, has the advantages of timeliness, objective and real data and easy standardized processing of the system, and can greatly improve the efficiency of management and processing of insurance services. In addition, the acquired data comprises key car-insurance underwriting support data such as driving data, driving behavior, fault information and the like of the users, and the data is continuously stored so as to have positive significance for continuous tracking evaluation of insured clients.
Description
Technical field
The present invention relates to the OBD technical field, especially a kind ofly for automobile vehicle insurance nuclear guarantor is provided method based on the OBD technology.
Background technology
Vehicle insurance nuclear is protected and according to the various situation and the factor of vehicle its hazard level is carried out comprehensive assessment, and selects the suitable condition of accepting insurance according to different hazard level, makes dangerous homogeneous, thereby improves the quality of accepting insurance, and guarantees the vehicle insurance effectiveness of operation.Present stage, the vehicle insurance nuclear of China was protected present situation in general, and level is not high, and professional not strong, standardization level is low, and content is simple, can not effectively examine guarantor's work and provide support, and particularly is embodied on the data problem.It is to be the basis with the historical data that nuclear is protected; And present stage industry do not have that the car data of a cover perfect and reasonable is collected, arrangement and the method analyzed; Thereby cause insurance business can not judge accurately whether a certain target can lose, and the formed loss probability distribution of the historical experience data that can only accumulate according to the observation to a large amount of random occurrences is predicted to the target risk level.Do not have enough historical datas to do support, increased the difficulty that nuclear guarantor standard is set up, reduced the science of nuclear guarantor work, make its subjectivity, the random increasing.
Summary of the invention
To the weak point that exists in the problems referred to above, thereby the present invention provides a kind of the analysis to what user vehicle was processed concrete declaration form through the car data that the OBD terminal device is collected for automobile vehicle insurance nuclear guarantor to be provided method based on the OBD technology.
For realizing above-mentioned purpose, the present invention provides a kind of and examines guarantor's method based on the OBD technology for automobile provides vehicle insurance, may further comprise the steps:
101, the OBD terminal device is transferred to the car data that collects in the server system;
102, server system is presented on the platform of insurance business after with information processing;
103, the underwriter analyzes the back and concrete declaration form is offered user vehicle above-mentioned information.
In step 101, the OBD terminal device, is transferred to the car data information that collects server system and handles to the address gateway that sets in advance through the wireless data communication technical transmission after the empirical tests.
In step 102; Server system is preserved respectively and analysis and arrangement the car data information of obtaining; After treated calculating of server system or the parsing, car data information is divided into vehicle failure data, running car data and driving behavior data also the form of above-mentioned three kinds of information with data, form, icon is presented on the platform of insurance business.
In step 103; The underwriter is through analyzing the fault data in automobile past; Running data and driving behavior data; Condition of the vehicle that comes nuclear is protected and driver go and the dangerous risk that possibly cause is accurately assessed, and process according to above-mentioned data then to have visual data and be the declaration form scheme of foundation and offer the user with it.
In step 101, the gatherer process of OBD terminal device is behind automotive ignition, to begin to gather relevant car data information through interface according to agreement, behind automobile flameout, finishes.
, step 101 needs registration user vehicle and vehicle relevant information before implementing, and also need be on vehicle with the OBD installing terminal equipment.
The vehicle relevant information comprises the necessary information of VIN sign indicating number, automobile model, time buying, current total kilometrage number and vehicle.
Said OBD installing terminal equipment is on the standard OBD of automobile interface, and the OBD interface is positioned at the below of pilothouse.
In said OBD terminal device, wireless communication module is installed.
Compared with prior art, the present invention has the following advantages:
The present invention provides a kind of and for automobile vehicle insurance nuclear guarantor is provided method based on the OBD technology, and the OBD terminal device is transferred to the car data that collects in the server system; After treated calculating of server system or the parsing, car data information is divided into vehicle failure data, running car data and driving behavior data also the form of above-mentioned three kinds of information with data, form, icon is presented on the platform of insurance business; Process after the underwriter analyzes above-mentioned information and have visual data and be the declaration form scheme of foundation and offer user vehicle with it., the OBD terminal device also needs registration user vehicle and vehicle relevant information earlier before will gathering car data, and need be with the OBD installing terminal equipment on vehicle, the OBD terminal device is gathered automobile by the relevant information between igniting back to the flame-out back.The present invention utilizes OBD as obtaining the data means, have simple, convenient, in time, data objective reality, system be easy to the advantage of standardization, can greatly promote insurance business management and treatment effeciency.In addition, the data of being obtained comprise user's data of driving a vehicle, driving behavior, and crucial vehicle insurance nuclear such as failure message is protected and is supported data, and data continue to preserve, and for insured client's lasting tracking evaluation positive effect is arranged.
Description of drawings
Fig. 1 is a process flow diagram of the present invention;
Fig. 2 is the embodiment process flow diagram of Fig. 1.
Embodiment
As shown in Figure 1, the present invention provides a kind of and examines guarantor's method based on the OBD technology for automobile provides vehicle insurance, may further comprise the steps:
As shown in Figure 2, the present invention provides a kind of and examines guarantor's method based on the OBD technology for automobile provides vehicle insurance, specifically may further comprise the steps:
The present invention provides a kind of efficient collection driving data, car condition data, driver's driving behavior data through the OBD technology, and preserves and put in order the method that becomes vehicle insurance nuclear guarantor's foundation and support.The present invention utilizes the OBD terminal device to gather automobile various data in use, and is technological through wireless data communication, is transferred to server system and preserves, analyzes and arrangement, finally offers the professional use of insurance business through the insurance management platform.The vehicle identification code of the data based automobile of OBD is as basis of characterization.Preserve, analyze, put in order through the server data system, protect according to using as vehicle insurance nuclear for the insurance business platform.In protecting for vehicle insurance nuclear as fault data, the driving states data of automobile and driver's the driving behavior data of the automobile of the key effect of assess, efficient, complete, the reliable treatment of the method ability.
Only the above person is merely preferred embodiment of the present invention, is familiar with the professional person of this skill such as. and after understanding technological means of the present invention, natural energy changes under instruction of the present invention according to the needs of reality.Therefore all equal variation and modifications of doing according to claim of the present invention once should still belong in the scope that patent of the present invention contains.
Claims (9)
- One kind based on the OBD technology for automobile provides vehicle insurance nuclear guarantor method, it is characterized in that, may further comprise the steps:101, the OBD terminal device is transferred to the car data that collects in the server system;102, server system is presented on the platform of insurance business after with information processing;103, the underwriter analyzes the back and concrete declaration form is offered user vehicle above-mentioned information.
- 2. as claimed in claim 1ly a kind ofly for automobile vehicle insurance nuclear guarantor is provided method based on the OBD technology; It is characterized in that; In step 101; The OBD terminal device, is transferred to the car data information that collects server system and handles to the address gateway that sets in advance through the wireless data communication technical transmission after the empirical tests.
- 3. as claimed in claim 1ly a kind ofly for automobile vehicle insurance nuclear guarantor is provided method based on the OBD technology; It is characterized in that; In step 102; Server system is preserved respectively and analysis and arrangement the car data information of obtaining, and server system is divided into vehicle failure data, running car data and driving behavior data with car data information and also the form of above-mentioned three kinds of information with data, form, icon is presented on the platform of insurance business after treated calculating or resolving.
- 4. as claimed in claim 1ly a kind ofly for automobile vehicle insurance nuclear guarantor is provided method based on the OBD technology; It is characterized in that; In step 103, the underwriter is through analyzing the fault data in automobile past, running data and driving behavior data; Condition of the vehicle that comes nuclear is protected and driver go and the dangerous risk that possibly cause is accurately assessed, and process according to above-mentioned data then to have visual data and be the declaration form scheme of foundation and offer the user with it.
- 5. as claimed in claim 1ly a kind ofly for automobile vehicle insurance nuclear guarantor is provided method based on the OBD technology; It is characterized in that; In step 101, the gatherer process of OBD terminal device is behind automotive ignition, to begin to gather relevant car data information through interface according to agreement, behind automobile flameout, finishes.
- 6. as claimed in claim 1 a kind of based on the OBD technology for automobile provides vehicle insurance nuclear guarantor method, it is characterized in that, before step 101 is implemented, need registration user vehicle and vehicle relevant information, also need be on vehicle with the OBD installing terminal equipment.
- 7. as claimed in claim 6 a kind of based on the OBD technology for automobile provides vehicle insurance nuclear guarantor method, it is characterized in that the vehicle relevant information comprises the necessary information of VIN sign indicating number, automobile model, time buying, current total kilometrage number and vehicle.
- 8. as claimed in claim 6 a kind of based on the OBD technology for automobile provides vehicle insurance nuclear guarantor method, it is characterized in that said OBD installing terminal equipment is on the standard OBD of automobile interface, the OBD interface is positioned at the below of pilothouse.
- As in the claim 1 to 8 any one described a kind of based on the OBD technology for automobile provides vehicle insurance nuclear guarantor method, it is characterized in that, in said OBD terminal device, wireless communication module is installed.
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CN2011101306449A CN102436629A (en) | 2011-05-18 | 2011-05-18 | Method for providing car insurance underwriting for car on basis of OBD (on-board diagnostics) technology |
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CN2011101306449A CN102436629A (en) | 2011-05-18 | 2011-05-18 | Method for providing car insurance underwriting for car on basis of OBD (on-board diagnostics) technology |
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Cited By (19)
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CN102938781A (en) * | 2012-10-29 | 2013-02-20 | 北京开元智信通软件有限公司 | Vehicle information long-distance detecting method, system and device |
CN103092189A (en) * | 2012-12-28 | 2013-05-08 | 深圳市元征科技股份有限公司 | Method and system of identifying vehicle cheating insurance action and vehicle-mounted terminal |
CN103770644A (en) * | 2014-01-20 | 2014-05-07 | 深圳市元征科技股份有限公司 | Method and system for obtaining data of driving activities |
CN103810636A (en) * | 2012-11-13 | 2014-05-21 | 腾讯科技(深圳)有限公司 | Method and device for processing car insurance participation information and car insurance participation information processing platform |
CN104092736A (en) * | 2014-06-25 | 2014-10-08 | 国信彩石(北京)科技股份有限公司 | Vehicle networking device, server and system, scoring method and data collection method |
CN104112302A (en) * | 2014-06-23 | 2014-10-22 | 深圳市一体数科科技有限公司 | Vehicle insurance determination method and system based on vehicle driving state |
CN105359193A (en) * | 2013-05-31 | 2016-02-24 | 通腾远程信息公司 | Wireless communication devices |
CN105657074A (en) * | 2016-03-31 | 2016-06-08 | 大连楼兰科技股份有限公司 | Method and device for performing monitoring and data analysis on on-board equipment |
CN105679125A (en) * | 2016-04-19 | 2016-06-15 | 奇瑞汽车股份有限公司 | Vehicle-mounted driving skill evaluating and automatic teaching system |
CN105929815A (en) * | 2016-05-30 | 2016-09-07 | 长安大学 | Large-scale vehicle real-time monitoring and diagnosis, remote service and comprehensive processing method |
CN106097715A (en) * | 2016-08-03 | 2016-11-09 | 深圳市永兴元科技有限公司 | Vehicle insurance surveys auxiliary terminal, system and its implementation |
CN106228641A (en) * | 2016-09-18 | 2016-12-14 | 华南理工大学 | A kind of automatic safe detecting system for coach and method |
CN106445586A (en) * | 2016-08-31 | 2017-02-22 | 惠州华熙制造科技有限公司 | Method for vehicle-mounted device to automatically configure files |
CN108241730A (en) * | 2017-10-12 | 2018-07-03 | 平安科技(深圳)有限公司 | Core protects test method, application server and computer readable storage medium |
CN108322900A (en) * | 2018-01-24 | 2018-07-24 | 杭州砺玛物联网科技有限公司 | A kind of engineering truck data transmission method and system based on 4G networks |
CN108416648A (en) * | 2018-02-02 | 2018-08-17 | 斑马网络技术有限公司 | Declaration form based on vehicle condition generates system, vehicle leasing device and declaration form generation method and vehicle leasing method |
WO2019041439A1 (en) * | 2017-08-28 | 2019-03-07 | 平安科技(深圳)有限公司 | Underwriting difficulty prediction method and device, computer equipment and storage medium |
CN110648426A (en) * | 2019-08-30 | 2020-01-03 | 上海能塔智能科技有限公司 | Vehicle registration method and device, storage medium and terminal |
WO2020186413A1 (en) * | 2019-03-18 | 2020-09-24 | 深圳市元征科技股份有限公司 | Automobile diagnostic report evaluation method and system, electronic device, and computer medium |
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CN102044014A (en) * | 2010-09-10 | 2011-05-04 | 深圳市航天星网通讯有限公司 | Method for providing guarantee delay service for automobile based on OBD (On-Board Diagnostics) technology |
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CN1428695A (en) * | 2001-12-24 | 2003-07-09 | 英业达股份有限公司 | Executor board-reading system controlled by patent and its method |
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Cited By (26)
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CN102938781A (en) * | 2012-10-29 | 2013-02-20 | 北京开元智信通软件有限公司 | Vehicle information long-distance detecting method, system and device |
CN103810636A (en) * | 2012-11-13 | 2014-05-21 | 腾讯科技(深圳)有限公司 | Method and device for processing car insurance participation information and car insurance participation information processing platform |
CN103092189A (en) * | 2012-12-28 | 2013-05-08 | 深圳市元征科技股份有限公司 | Method and system of identifying vehicle cheating insurance action and vehicle-mounted terminal |
CN105359193B (en) * | 2013-05-31 | 2018-05-04 | 通腾远程信息公司 | Radio communication device |
US10339727B2 (en) | 2013-05-31 | 2019-07-02 | Tomtom Telematics B.V. | Wireless communication devices |
US9754426B2 (en) | 2013-05-31 | 2017-09-05 | Tomtom Telematics B.V. | Wireless communication devices |
CN105359193A (en) * | 2013-05-31 | 2016-02-24 | 通腾远程信息公司 | Wireless communication devices |
CN105474274A (en) * | 2013-05-31 | 2016-04-06 | 通腾远程信息公司 | Wireless communication devices |
CN103770644A (en) * | 2014-01-20 | 2014-05-07 | 深圳市元征科技股份有限公司 | Method and system for obtaining data of driving activities |
CN104112302B (en) * | 2014-06-23 | 2015-07-08 | 深圳市一体数科科技有限公司 | Vehicle insurance determination method and system based on vehicle driving state |
CN104112302A (en) * | 2014-06-23 | 2014-10-22 | 深圳市一体数科科技有限公司 | Vehicle insurance determination method and system based on vehicle driving state |
CN104092736A (en) * | 2014-06-25 | 2014-10-08 | 国信彩石(北京)科技股份有限公司 | Vehicle networking device, server and system, scoring method and data collection method |
CN105657074A (en) * | 2016-03-31 | 2016-06-08 | 大连楼兰科技股份有限公司 | Method and device for performing monitoring and data analysis on on-board equipment |
CN105679125A (en) * | 2016-04-19 | 2016-06-15 | 奇瑞汽车股份有限公司 | Vehicle-mounted driving skill evaluating and automatic teaching system |
CN105929815A (en) * | 2016-05-30 | 2016-09-07 | 长安大学 | Large-scale vehicle real-time monitoring and diagnosis, remote service and comprehensive processing method |
CN106097715A (en) * | 2016-08-03 | 2016-11-09 | 深圳市永兴元科技有限公司 | Vehicle insurance surveys auxiliary terminal, system and its implementation |
CN106445586A (en) * | 2016-08-31 | 2017-02-22 | 惠州华熙制造科技有限公司 | Method for vehicle-mounted device to automatically configure files |
CN106228641A (en) * | 2016-09-18 | 2016-12-14 | 华南理工大学 | A kind of automatic safe detecting system for coach and method |
WO2019041439A1 (en) * | 2017-08-28 | 2019-03-07 | 平安科技(深圳)有限公司 | Underwriting difficulty prediction method and device, computer equipment and storage medium |
CN108241730A (en) * | 2017-10-12 | 2018-07-03 | 平安科技(深圳)有限公司 | Core protects test method, application server and computer readable storage medium |
WO2019071956A1 (en) * | 2017-10-12 | 2019-04-18 | 平安科技(深圳)有限公司 | Underwriting testing method, application server and computer readable storage medium |
CN108322900A (en) * | 2018-01-24 | 2018-07-24 | 杭州砺玛物联网科技有限公司 | A kind of engineering truck data transmission method and system based on 4G networks |
CN108416648A (en) * | 2018-02-02 | 2018-08-17 | 斑马网络技术有限公司 | Declaration form based on vehicle condition generates system, vehicle leasing device and declaration form generation method and vehicle leasing method |
WO2020186413A1 (en) * | 2019-03-18 | 2020-09-24 | 深圳市元征科技股份有限公司 | Automobile diagnostic report evaluation method and system, electronic device, and computer medium |
CN110648426A (en) * | 2019-08-30 | 2020-01-03 | 上海能塔智能科技有限公司 | Vehicle registration method and device, storage medium and terminal |
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Application publication date: 20120502 |