CN105160579B - A kind of car insurance charging method and system based on Internet of Things - Google Patents
A kind of car insurance charging method and system based on Internet of Things Download PDFInfo
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- CN105160579B CN105160579B CN201510556083.7A CN201510556083A CN105160579B CN 105160579 B CN105160579 B CN 105160579B CN 201510556083 A CN201510556083 A CN 201510556083A CN 105160579 B CN105160579 B CN 105160579B
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Abstract
The invention discloses a kind of car insurance charging method and system based on Internet of Things obtain a default mileage numerical value this method comprises: being based on car insurance remaining cost numerical value；Obtain the plan mileage numerical value of user input；Judge whether plan mileage numerical value is less than default mileage numerical value, obtains the first judging result；When the first judging result shows that planning mileage numerical value is less than default mileage numerical value, billing operation is carried out according to practical driving range numerical value；When the first judging result shows that planning mileage numerical value is not less than default mileage numerical value, carries out payment and remind operation.In this way, car insurance charging can be carried out in the light of actual conditions, charging mode is reasonable, improves user experience.
Description
Technical field
The present invention relates to internet of things field more particularly to a kind of car insurance charging method based on Internet of Things and it is
System.
Background technique
With the development of technology of Internet of things, intelligent production, intelligence are realized by technology of Internet of things in various industries field
Change management and intelligent Service etc., brings great convenience for the production and life of the people.Wherein, wisdom traffic is with wisdom
Theory, dialectical thinking are means, General Promotion traffic administration and service level using modern information technologies.Its prominent spy
Point be with the collection of information, processing, publication, exchange, analysis, using serving as theme, provide multifarious service for traffic participant.
In the prior art, automobile insurance, the usually simple side used by insurance type of vehicle and insure duration based accounting
Formula.
Present inventor at least exists in the prior art during realizing the embodiment of the present application technical solution
Following technical problem:
In actual use, the risk of car insurance is directly related to by the use state of Safety automobile, in period insured,
" using frequently, operating range is remote " automobile will increase certainly occur traffic accident risk, and " frequency of use is few, travel away from
From short " automobile the risk of traffic accident occurs will necessarily accordingly reduce, the risk that traffic accident occurs for the automobile that does not use is several
It is zero.Therefore, orthodox car insurance premium is unfair by type of vehicle and insurance duration charging at list price merely, and car insurance is answered
This calculates insurance premium according to actual service condition, just fair and reasonable in this way.
To sum up, the prior art technical problem unreasonable there are car insurance charging.
Summary of the invention
The embodiment of the present application provides a kind of car insurance charging method and system based on Internet of Things, solves the prior art
Present in the unreasonable technical problem of car insurance charging.
On the one hand the embodiment of the present application provides a kind of car insurance charging method based on Internet of Things, be applied to an automobile
Insure charge system, the system stores a car insurance remaining cost numerical value, which comprises is based on the car insurance
Remaining cost numerical value obtains a default mileage numerical value；Obtain the plan mileage numerical value of user input；Judge the plan mileage
Whether numerical value is less than the default mileage numerical value, obtains the first judging result；When first judging result shows the plan
When mileage numerical value is less than the default mileage numerical value, billing operation is carried out according to practical driving range numerical value；Sentence when described first
Break the result shows that carrying out payment when the plan mileage numerical value is not less than the default mileage numerical value and reminding operation.
Optionally, after one default mileage numerical value of the acquisition, the method also includes: obtain a payment mileage number
Value；Judge whether the default mileage numerical value is less than the payment mileage numerical value, generates the second judging result；Sentence when described second
Break the result shows that generating one to payment information when the default mileage numerical value is less than the payment mileage numerical value.
Optionally, when between car insurance expense numerical value and the practical driving range numerical value being in a functional relation, institute
It states and billing operation is carried out according to practical driving range numerical value, specifically include: after automobile starting, obtaining in the practical driving
Number of passes value；According to the practical driving range numerical value and the functional relation, the car insurance expense numerical value is obtained.
Optionally, the method also includes: when the practical driving range numerical value in a preset time range be more than one drive
When mileage threshold value, terminate the billing operation.
Optionally, it when exceeding the preset time range, carries out payment and reminds operation.
On the other hand, the embodiment of the present application also provides a kind of car insurance charge system, the system comprises: storage is single
Member, for storing a car insurance remaining cost numerical value；Obtaining unit, for being based on the car insurance remaining cost numerical value,
Obtain a default mileage numerical value；Receiving unit, for obtaining the plan mileage numerical value of user input；First judging unit is used
In judging whether the plan mileage numerical value is less than the default mileage numerical value, the first judging result is obtained；Charging Detail Record unit is used for
When first judging result shows that the plan mileage numerical value is less than the default mileage numerical value, according to practical driving range
Numerical value carries out billing operation；First reminding unit, for showing that the plan mileage numerical value is not small when first judging result
When the default mileage numerical value, carries out payment and remind operation.
Optionally, the system also includes the storage units, for storing a payment mileage numerical value；Second judgement is single
Member generates the second judging result for judging whether the default mileage numerical value is less than the payment mileage numerical value；It generates single
Member, for when second judging result show the default mileage numerical value be less than the payment mileage numerical value when, generation one to
Payment information.
Optionally, when between car insurance expense numerical value and the practical driving range numerical value being in a functional relation, institute
Charging Detail Record unit is stated to specifically include: detection module, for obtaining the practical driving range numerical value after automobile starting；It calculates
Module, for obtaining the car insurance expense numerical value according to the practical driving range numerical value and the functional relation.
Optionally, the system also includes processing units, for when the practical driving range number in a preset time range
When value is more than a driving range threshold value, terminate the billing operation.
Optionally, the system also includes the second reminding units, with first reminding unit identical or different, are used for
When exceeding the preset time range, carries out payment and remind operation.
One or more technical solutions provided in the embodiments of the present application have at least the following technical effects or advantages:
Based on the car insurance remaining cost numerical value, a default mileage numerical value is obtained；Obtain the plan of user input
Mileage numerical value；Judge whether the plan mileage numerical value is less than the default mileage numerical value, obtains the first judging result；When described
First judging result show the plan mileage numerical value be less than the default mileage numerical value when, according to practical driving range numerical value into
Row billing operation；When first judging result shows the plan mileage numerical value not less than the default mileage numerical value, into
Operation is reminded in row payment.The insurance that can be supplemented with money by the plan mileage calculation user that user inputs due to the method in the application
Whether expense is enough, when insurance premium is enough, carries out billing operation by the practical driving range number of automobile, and works as insurance premium
When inadequate, prompting operation is carried out, the unreasonable technology of car insurance charging existing in the prior art can be efficiently solved and asked
Topic, therefore in this way, car insurance charging can be carried out in the light of actual conditions, charging mode is reasonable, improves user experience.
Further, a payment mileage numerical value is obtained；Judge whether the default mileage numerical value is less than the payment mileage number
Value generates the second judging result；When second judging result shows that the default mileage numerical value is less than the payment mileage number
When value, one is generated to payment information.I.e. it is capable to be sent when car insurance remaining cost numerical value is close to a mileage value
To payment information to user terminal, user can be reminded to pay the fees in real time, further increase user experience.
Further, when between car insurance expense numerical value and the practical driving range numerical value being in a functional relation,
After automobile starting, the practical driving range numerical value is obtained；It is closed according to the practical driving range numerical value and the function
System, obtains the car insurance expense numerical value.That is, the automobile insurance deducted from car insurance remaining cost numerical value
For example it is incremented by relationship at certain functional relation with numerical value and practical driving range numerical value, realizes " using few, operating range is short "
The car insurance expense paid of automobile it is low, the car insurance expense that the automobile of " what is used is more, and operating range is long " is paid is higher,
Can it is fair, be precisely calculated car insurance expense numerical value, the safety of real-time guarantees user.
Also further, when the practical driving range numerical value in a preset time range is more than a driving range threshold value, knot
Shu Suoshu billing operation.That is, the automobile insurance paid in such as 1 year whithin a period of time has a upper limit
Value, the car insurance expense can't unlimitedly rise according to practical driving range numerical value, which can be according to practical need
It asks and is configured, such as be set as can reduce user according to the insurance premium of type of vehicle and insurance duration in the prior art
Financial burden.
Further, it when exceeding the preset time range, carries out payment and reminds operation.That is, when user pays
When the safe time received expires, payment prompting is carried out in time, further raising user experience.
Detailed description of the invention
Fig. 1 is the flow chart of the car insurance charging method based on Internet of Things in one embodiment of the application；
Fig. 2 is the architecture diagram of the car insurance charge system based on Internet of Things in one embodiment of the application.
Specific embodiment
The embodiment of the present application provides a kind of car insurance charging method and system based on Internet of Things, solves the prior art
Present in the unreasonable technical problem of car insurance charging.
The technical solution of one embodiment of the invention is to solve the problem above-mentioned, and general thought is as follows:
Based on car insurance remaining cost numerical value, a default mileage numerical value is obtained；Obtain the plan mileage of user input
Numerical value；Judge whether plan mileage numerical value is less than default mileage numerical value, obtains the first judging result；When the first judging result shows
When planning mileage numerical value less than default mileage numerical value, billing operation is carried out according to practical driving range numerical value；When the first judgement knot
When fruit shows that planning mileage numerical value is not less than default mileage numerical value, carries out payment and remind operation.Due to the method energy in the application
Whether enough insurance premiums supplemented with money by the plan mileage calculation user that user inputs are enough, when insurance premium is enough, pass through
The practical driving range number of automobile carries out billing operation, and when insurance premium is inadequate, prompting operation is carried out, can be efficiently solved
The unreasonable technical problem of car insurance charging existing in the prior art, therefore in this way, can be in the light of actual conditions
Car insurance charging is carried out, charging mode is reasonable, improves user experience.
In order to better understand the above technical scheme, in conjunction with appended figures and specific embodiments to upper
Technical solution is stated to be described in detail.
The car insurance charging method based on Internet of Things that the present embodiment provides a kind of is applied to a car insurance charging system
The storage unit of system, system stores a car insurance remaining cost numerical value.
In a particular application, storage unit can be local storage or cloud storage, and type of memory can be SRAM
(Static Random Access Memory, Static RAM), DRAM (Dynamic Random Access
Memory, dynamic RAM), (Synchronous Dynamic Random Access Memory, synchronizes dynamic SDRAM
State random access memory), (Erasable Programmable Read-Only Memory, erasable programmable is read-only to be deposited EPROM
Reservoir), (Electrically Erasable Programmable Read-Only Memory, electric erasable can be compiled EEPROM
Journey read-only memory) or flash memory, it just no longer illustrates one by one herein.
Fig. 1 is turned next to, the car insurance charging method based on Internet of Things a kind of in the embodiment of the present invention is carried out detailed
Thin description.
Step 101: being based on car insurance remaining cost numerical value, obtain a default mileage numerical value；
Step 102: obtaining the plan mileage numerical value of user input；
Step 103: judging whether plan mileage numerical value is less than default mileage numerical value, obtain the first judging result；
Step 104: when the first judging result shows that planning mileage numerical value is less than default mileage numerical value, according to practical driving
Mileage numerical value carries out billing operation；
Step 105: when the first judging result shows that planning mileage numerical value is not less than default mileage numerical value, carrying out payment and mention
It wakes up and operates.
Illustrate a kind of realization process of the car insurance charging method based on Internet of Things of the embodiment of the present application to become apparent from,
It below will be by taking Volkswagen be insured as an example, to the mistake of the car insurance charging method based on Internet of Things a kind of in the embodiment of the present application
Journey is explained in detail.
User A possesses a Volkswagen, is that the Volkswagen has purchased a automobile guarantor up to 1 year in insurance company B
Danger.Insurance company B is that the Volkswagen establishes car insurance an account C, user A 1000 yuan of advance payment in car insurance account C,
In addition, user A is also in mobile phone car insurance charge system application program downloaded and installed, the car insurance charge system application
Program can be used for real-time display Volkswagen insurance charge situation.
User A drives Volkswagen and travels 50km, by car insurance charge system Statistics Bar after automobile purchase insurance
Sailing the car insurance expense paid needed for 50km is 10 yuan, after deducting 10 yuan of car insurance expense, car insurance account C
Interior car insurance remaining cost is 990 yuan.
After car insurance charge system obtains 990 yuan of car insurance remaining cost, starts to execute step 101: be based on
Car insurance remaining cost numerical value obtains a default mileage numerical value.
Step 101 in the specific implementation process, such as: car insurance charge system is according to automobile actual travel mileage and institute
The relationship for the car insurance expense that need to be paid is calculated when car insurance remaining cost is 990 yuan, and automobile can also travel most
Big mileage is 4950km, i.e., default mileage numerical value is 4950km.
When user A needs to drive Volkswagen and leaves for a tourist attractions D, car insurance that user A is installed by mobile phone
Charge system application program is keyed in from current location in the plan mileage numerical value input frame of application program and reaches tourist attractions D
Plan mileage numerical value 100km, start step 102: obtain a user input plan mileage numerical value.
Step 102 in the specific implementation process, such as: when user A input plan mileage numerical value 100km after, automobile protect
Dangerous charge system obtains the plan mileage numerical value 100km of user A input.
Wherein, without successively executing sequence between step 101 and step 102, car insurance charge system can be first carried out
Step 102 executes step 101 again, and the application is with no restriction.
After car insurance charge system obtains plan mileage numerical value 100km and default mileage numerical value 4950km, start
It executes step 103: judging whether plan mileage numerical value is less than default mileage numerical value, obtain the first judging result.
Step 103 in the specific implementation process, such as: car insurance charge system judgement plan mileage numerical value 100km is
It is no to be less than default mileage numerical value 4950km, and generate the first judging result.When planning mileage numerical value less than default mileage numerical value,
The first judging result generated can show that plan mileage numerical value is less than default mileage numerical value；And when plan mileage numerical value be greater than or
When equal to default mileage numerical value, the first judging result of generation can show that plan mileage numerical value is not less than default mileage numerical value.
In the present embodiment, since plan mileage numerical value 100km is less than default mileage numerical value 4950km, so starting to execute
Step 104: when the first judging result shows that planning mileage numerical value is less than default mileage numerical value, according to practical driving range numerical value
Carry out billing operation.
Step 104 in the specific implementation process, such as: by step 103 generate the first judging result show in plan
Number of passes value 100km is less than default mileage numerical value 4950km, the operating range of car insurance charge system real-time detection Volkswagen
Practical driving range numerical value is obtained, and billing operation is carried out according to practical driving range numerical value.
In another embodiment of the application, it is assumed that after user A drives Volkswagen for a period of time, default mileage numerical value is
50km, since plan mileage numerical value 100km is greater than default mileage numerical value 50km, next, will start to execute step 105: when the
When one judging result shows that planning mileage numerical value is not less than default mileage numerical value, carries out payment and remind operation.
Step 105 in the specific implementation process, such as: by step 103 generate the first judging result show in plan
Number of passes value 100km is greater than default mileage numerical value 50km, and car insurance charge system generates a payment prompting message " dear use
Family, your car insurance account balance is insufficient, please continue and pay."
Certainly, in another embodiment of the application, it can also be other forms that operation is reminded in payment, such as generate a payment
Voice is reminded, sound-light alarm is carried out, payment is dialed and reminds phone etc., the application is with no restriction.
In the following, continue to continue to use an embodiment, in order to when car insurance remaining cost numerical value is close to a mileage value,
It sends to payment information to user terminal, user can be reminded to pay the fees in real time, further increase user experience, in step
After 101, one payment mileage numerical value of acquisition is further comprised the steps of:；Judge whether default mileage numerical value is less than payment mileage numerical value, it is raw
At the second judging result；When the second judging result shows that default mileage numerical value is less than payment mileage numerical value, one is generated wait pay the fees
Information.
In the specific implementation process, such as: one payment mileage numerical value of the storage unit of car insurance charge system storage
200km judges whether default mileage numerical value 50km is less than and pays when car insurance charge system obtains default mileage numerical value 50km
Take mileage numerical value 200km, and generates the second judging result.When default mileage numerical value is less than payment mileage numerical value, the of generation
Two judging results can show that default mileage numerical value is less than payment mileage numerical value；And when default mileage numerical value is greater than or equal to payment
When mileage numerical value, the second judging result of generation can show that default mileage numerical value not less than payment mileage numerical value.
Since default mileage numerical value 50km is less than payment mileage numerical value 200km, so the second judging result generated can
When showing that default mileage numerical value is less than payment mileage numerical value, at this moment, car insurance charge system generates " dear to payment information
User, for your love vehicle after driving 50km, car insurance account will be 0, please supplement with money in time."
In order to which the car insurance expense for realizing that the automobile of " using few, operating range is short " is paid is low, " what is used is more, row
Sail distance " the car insurance expense paid of automobile it is higher, can it is fair, be precisely calculated car insurance expense numerical value, it is real
When ensure the safety of user, when between car insurance expense numerical value and practical driving range numerical value in a functional relation, step
Billing operation is carried out according to practical driving range numerical value in 104, is specifically included: after automobile starting, obtaining practical drive
Mileage numerical value；According to practical driving range numerical value and functional relation, car insurance expense numerical value is obtained.
In the specific implementation process, such as: if practical driving range numerical value is denoted as X, car insurance expense numerical value is denoted as
Y, then functional relation between the two are as follows: Y=0.2*X.
After user A starts Volkswagen, the detection module of car insurance charge system such as speed probe starts
Detect turnning circle of Volkswagen during advance, car insurance charge system can be with according to turnning circle and tire circumference
Obtain practical driving range numerical value x1.
Next, car insurance charge system is passed through according to practical driving range numerical value x1 and functional relation Y=0.2*X
It calculates, obtains car insurance expense numerical value are as follows: y1=0.2*x1.
Certainly, in another embodiment of the application, other detection modules such as velocity sensor and timing can also be passed through
Device obtains practical driving range numerical value, and the application is with no restriction.
In order to make the automobile insurance paid in such as 1 year whithin a period of time that there is a upper limit value, so that automobile
Insurance premium can't unlimitedly rise according to practical driving range numerical value, mitigate user's financial burden, and the application further includes
Step: when the practical driving range numerical value in a preset time range is more than a driving range threshold value, terminate billing operation.
In the specific implementation process, such as: car insurance charge system protects automobile of the car insurance account C in 1 year
Dangerous expense upper limit value is set as 2000 yuan, that is to say, that out of, the time of user A purchase car insurance starts one-year age,
The car insurance expense that user A at most needs to pay is 2000 yuan.
Assuming that the time of user A purchase car insurance is on August 26th, 2015,2000 yuan of car insurance expense upper limit value,
So, car insurance charge system obtains preset time range are as follows: August on August 25th, 26 days 1 in 2015 is driven
Mileage threshold value 10000km.From car insurance charge system on August 26th, 2015, start the actual travel of accumulative Volkswagen away from
From.When car insurance charge system on June 20th, 2016 obtain Volkswagen actual distance traveled be 10000km when,
To in this period on the 25th of August in 2016 from June 21st, 2016, car insurance charge system no longer carries out billing operation.
Continue to continue to use an embodiment, when expiring for the safe time paid as user, carries out payment prompting in time, more
User experience is further increased, the application further comprises the steps of: when beyond preset time range, carries out payment and reminds operation.
At on August 26th, 2016, it is on August 26th, 2016 that car insurance charge system, which obtains system time, judges system
Whether it was later than preset time on August 25th, 2016, and generates third judging result within 2016 time August 26th, works as system time
When being later than preset time, the third judging result of generation can show that system time is later than preset time；And when system time is early
When preset time, the third judging result of generation can show that system time is not later than preset time.
It is later than preset time on August 25th, 2016 due to system time on August 26th, 2016, so the third judgement generated
The result shows that system time is later than preset time, car insurance charge system generate a payment prompting message " dear user, you
Car insurance have timed out the phase, please continue and pay."
Certainly, in another embodiment of the application, preset time range can be from June 21st, 2016 to 2016
August 20 days, operation is reminded to carry out payment to user in advance, it can also be other forms that operation is reminded in payment, such as generate one
Voice is reminded in payment, carries out sound-light alarm, is dialed payment and is reminded phone etc., the application is with no restriction.
Another embodiment of the present invention provides a kind of car insurance charge systems, for realizing in Fig. 1 and its specific embodiment
A kind of car insurance charging method based on Internet of Things, referring to FIG. 2, Fig. 2 is the embodiment of the present application car insurance charge system
Architecture diagram.
As shown in Fig. 2, a kind of car insurance charge system provided in this embodiment, system include: storage unit 201, use
In one car insurance remaining cost numerical value of storage；Obtaining unit 202 obtains one for being based on car insurance remaining cost numerical value
Default mileage numerical value；Receiving unit 203, for obtaining the plan mileage numerical value of user input；First judging unit 204 is used
In judging whether plan mileage numerical value is less than default mileage numerical value, the first judging result is obtained；Charging Detail Record unit 205, for when the
When one judging result shows that planning mileage numerical value is less than default mileage numerical value, charging behaviour is carried out according to practical driving range numerical value
Make；First reminding unit 206, for when the first judging result shows that planning mileage numerical value is not less than default mileage numerical value, into
Operation is reminded in row payment.
Wherein, system further include: storage unit 201, for storing a payment mileage numerical value；Second judgment unit is used for
Judge whether default mileage numerical value is less than payment mileage numerical value, generates the second judging result；Generation unit, for when the second judgement
The result shows that generating one to payment information when default mileage numerical value is less than payment mileage numerical value.
Wherein, when between car insurance expense numerical value and practical driving range numerical value being in a functional relation, Charging Detail Record unit
205 specifically include: detection module, for obtaining practical driving range numerical value after automobile starting；Computing module is used for root
Factually border driving range numerical value and functional relation obtain car insurance expense numerical value.
Wherein, system further include: processing unit, for being more than when the practical driving range numerical value in a preset time range
When one driving range threshold value, terminate billing operation.
Wherein, system further include: the second reminding unit, it is identical or different with the first reminding unit 206, for when beyond pre-
If when time range, carrying out payment and reminding operation.
Various change mode and specific example in method in previous embodiment are equally applicable to the automobile of the present embodiment
Insure charge system, passes through the detailed description of the aforementioned car insurance charging method to a kind of based on Internet of Things, art technology
Personnel are clear that the implementation method of car insurance charge system in the present embodiment, so in order to illustrate the succinct of book,
This will not be detailed here.
One or more technical solutions provided in the embodiments of the present application have at least the following technical effects or advantages:
Based on car insurance remaining cost numerical value, a default mileage numerical value is obtained；Obtain the plan mileage of user input
Numerical value；Judge whether plan mileage numerical value is less than default mileage numerical value, obtains the first judging result；When the first judging result shows
When planning mileage numerical value less than default mileage numerical value, billing operation is carried out according to practical driving range numerical value；When the first judgement knot
When fruit shows that planning mileage numerical value is not less than default mileage numerical value, carries out payment and remind operation.Due to the method energy in the application
Whether enough insurance premiums supplemented with money by the plan mileage calculation user that user inputs are enough, when insurance premium is enough, pass through
The practical driving range number of automobile carries out billing operation, and when insurance premium is inadequate, prompting operation is carried out, can be efficiently solved
The unreasonable technical problem of car insurance charging existing in the prior art, therefore in this way, can be in the light of actual conditions
Car insurance charging is carried out, charging mode is reasonable, improves user experience.
Further, a payment mileage numerical value is obtained；Judge whether default mileage numerical value is less than payment mileage numerical value, generates the
Two judging results；When the second judging result shows that default mileage numerical value is less than payment mileage numerical value, one is generated to payment information.
I.e. it is capable to send when car insurance remaining cost numerical value is close to a mileage value to payment information to user terminal, energy
It is enough to remind user to pay the fees in real time, further increase user experience.
Further, when between car insurance expense numerical value and practical driving range numerical value being in a functional relation, work as vapour
After vehicle starting, practical driving range numerical value is obtained；According to practical driving range numerical value and functional relation, automobile insurance is obtained
Use numerical value.That is, the car insurance expense numerical value deducted from car insurance remaining cost numerical value and practical driving range
Numerical value is for example incremented by relationship at certain functional relation, realizes the car insurance that the automobile of " using few, operating range is short " is paid
Expense is low, and the car insurance expense that the automobile of " what is used is more, and operating range is long " is paid is higher, can it is fair, be precisely calculated
Car insurance expense numerical value, the safety of real-time guarantees user.
Also further, when the practical driving range numerical value in a preset time range is more than a driving range threshold value, knot
Beam billing operation.That is, the automobile insurance paid in such as 1 year whithin a period of time has a upper limit value, it should
Car insurance expense can't unlimitedly rise according to practical driving range numerical value, which can carry out according to actual needs
Setting, such as be set as that it is negative to can reduce user's finance according to the insurance premium of type of vehicle and insurance duration in the prior art
Load.
Further, it when exceeding preset time range, carries out payment and reminds operation.That is, paid as user
When safe time expires, payment prompting is carried out in time, further raising user experience.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The shape for the computer program product implemented in usable storage medium (including but not limited to magnetic disk storage and optical memory etc.)
Formula.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (8)
1. a kind of car insurance charging method based on Internet of Things is applied to a car insurance charge system, which is characterized in that institute
It states system and stores a car insurance remaining cost numerical value, which comprises
Based on the car insurance remaining cost numerical value, a default mileage numerical value is obtained；
Obtain the plan mileage numerical value of user input；
Judge whether the plan mileage numerical value is less than the default mileage numerical value, obtains the first judging result；
When first judging result shows that the plan mileage numerical value is less than the default mileage numerical value, according to practical driving
Mileage numerical value carries out billing operation；
When first judging result shows the plan mileage numerical value not less than the default mileage numerical value, carries out payment and mention
It wakes up and operates；
After one default mileage numerical value of the acquisition, the method also includes:
Obtain a payment mileage numerical value；
Judge whether the default mileage numerical value is less than the payment mileage numerical value, generates the second judging result；
When second judging result shows that the default mileage numerical value is less than the payment mileage numerical value, one is generated wait pay the fees
Information.
2. the method as described in claim 1, which is characterized in that when car insurance expense numerical value and the practical driving range number
It is described that billing operation is carried out according to practical driving range numerical value when between value being in a functional relation, it specifically includes:
After automobile starting, the practical driving range numerical value is obtained；
According to the practical driving range numerical value and the functional relation, the car insurance expense numerical value is obtained.
3. method according to claim 1 or 2, which is characterized in that the method also includes:
When the practical driving range numerical value in a preset time range is more than a driving range threshold value, terminate the charging behaviour
Make.
4. method as claimed in claim 3, which is characterized in that the method also includes:
When exceeding the preset time range, carries out payment and remind operation.
5. a kind of car insurance charge system, which is characterized in that the system comprises:
Storage unit, for storing a car insurance remaining cost numerical value；
Obtaining unit obtains a default mileage numerical value for being based on the car insurance remaining cost numerical value；
Receiving unit, for obtaining the plan mileage numerical value of user input；
First judging unit obtains first and sentences for judging whether the plan mileage numerical value is less than the default mileage numerical value
Disconnected result；
Charging Detail Record unit, for showing that the plan mileage numerical value is less than the default mileage numerical value when first judging result
When, billing operation is carried out according to practical driving range numerical value；
First reminding unit, for showing the plan mileage numerical value not less than the default mileage when first judging result
When numerical value, carries out payment and remind operation；
The storage unit, for storing a payment mileage numerical value；
Second judgment unit generates second and sentences for judging whether the default mileage numerical value is less than the payment mileage numerical value
Disconnected result；
Generation unit, for showing that the default mileage numerical value is less than the payment mileage numerical value when second judging result
When, one is generated to payment information.
6. system as claimed in claim 5, which is characterized in that when car insurance expense numerical value and the practical driving range number
When between value being in a functional relation, the Charging Detail Record unit is specifically included:
Detection module, for obtaining the practical driving range numerical value after automobile starting；
Computing module, for obtaining the car insurance expense according to the practical driving range numerical value and the functional relation
Numerical value.
7. such as system described in claim 5 or 6, which is characterized in that the system also includes:
Processing unit, for tying when the practical driving range numerical value in a preset time range is more than a driving range threshold value
Shu Suoshu billing operation.
8. system as claimed in claim 7, which is characterized in that the system also includes:
Second reminding unit, it is identical or different with first reminding unit, it is used for when exceeding the preset time range, into
Operation is reminded in row payment.
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| CN201510556083.7A CN105160579B (en) | 2015-09-02 | 2015-09-02 | A kind of car insurance charging method and system based on Internet of Things |
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| CN201510556083.7A CN105160579B (en) | 2015-09-02 | 2015-09-02 | A kind of car insurance charging method and system based on Internet of Things |
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| CN105160579B true CN105160579B (en) | 2019-04-05 |
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| CN108062808A (en) * | 2017-12-29 | 2018-05-22 | 深圳市四维码科技有限公司 | A kind of vehicle driving state monitors system |
| CN108418886B (en) * | 2018-03-12 | 2023-07-18 | 北京汽车研究总院有限公司 | Vehicle control method, controller, cloud server and vehicle |
| CN109934725A (en) * | 2019-03-22 | 2019-06-25 | 宋捍强 | A kind of car insurance charging method, device, charge system and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100420302B1 (en) * | 2000-07-31 | 2004-03-03 | 주식회사 카포인트 | The insurance premium calculation method based on the driving distance and system thereof |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| KR100420302B1 (en) * | 2000-07-31 | 2004-03-03 | 주식회사 카포인트 | The insurance premium calculation method based on the driving distance and system thereof |
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