CN105894383A - Internet-of-Things-based system and method for insuring against fire hazards - Google Patents
Internet-of-Things-based system and method for insuring against fire hazards Download PDFInfo
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- CN105894383A CN105894383A CN201510267418.3A CN201510267418A CN105894383A CN 105894383 A CN105894383 A CN 105894383A CN 201510267418 A CN201510267418 A CN 201510267418A CN 105894383 A CN105894383 A CN 105894383A
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Abstract
The invention discloses an Internet-of-Things-based system for insuring against fire hazards. The system comprises a fire-fighting device monitoring terminal and a data processing terminal, wherein the fire-fighting device monitoring terminal is used for obtaining fire-fighting device working condition data, subjecting the working condition data to logical judgment and obtaining a determining result of whether a fire-fighting device is in normal operation; the data processing terminal is used for determining a fire hazard insurance level. According to the Internet-of-Things-based system for insuring against the fire hazards, an Internet-of-Things system is used for monitoring fire-fighting device working condition of an insured unit, an insurance level is determined according to a fire-fighting device working condition monitoring result, basis can be provided for insurance buying, and the Internet-of-Things-based system for insuring against the fire hazards can be associated with claims settlement; according to real time operation condition and maintaining condition of the fire-fighting device of a social unit, a fire hazard insurance seeking method and a compensation amount can be scientifically and reasonably determined, the insured unit can be urged to actively assume fire-fighting and fire protection responsibility, and therefore effects on protection of lives and properties of people and improvement of fire safety awareness of the whole people by fire hazard insurance can be fully exerted.
Description
Technical field
The present invention relates to the monitoring field of a kind of fire-fighting equipment facility based on Internet of Things, special type relates to a kind of base
Fire in Internet of Things is insured system and method.
Background technology
Along with the fast development of China's economy, urban track traffic, skyscraper, hotel, hotel, write
The building such as building is increasing, and the building once breaking out of fire that these functions are complicated will be to people's life and wealth
Produce safety and bring heavy losses, bring greatly negative effect and financial burden the most also to country and society's unit.
In order to reduce above-mentioned loss, introducing fire insurance and share fire damage, it is disaster-stricken that fire insurance also becomes protection
One of most important means of the masses.
In existing insurance model, typically directly provide and crowded place, emphasis fire prevention unit are carried out fire
Calamity is insured, and the intervention of insurance company has blindness, does not has to implement more omnidistance monitoring and i.e. assume responsibility for fire
The Claims Resolution responsibility of loss；The operation of fire fighting device is then long-term and real-time.Society for breaking out of fire
Unit whether can ensure that the normal of fire fighting device links, if fulfil security against fire main body responsibilities and obligations etc. and ask
Topic is left in the basket, although this simple fire insurance insure and Claims Resolution method has shared the loss that fire causes,
And it is unfavorable for strengthening the consciousness taking precautions against fire of society's unit, even result in fire incident and still can occur.Even,
Fire-fighting main body unit also can be made owing to having fire insurance to ignore the duty of care of fire control facility.
Accordingly, it would be desirable to the duty of the fire fighting device of unit of insuring is monitored, and with insure and settle a claim
Association, i.e. according to the society real-time running state of unit fire fighting device, maintaining situation, science, rationally
Formulate the method for insuring of fire insurance and amount for which loss settled, promote unit active undertaking security against fire duty of insuring
Appoint, thus give full play to fire insurance to ensureing life property safety of people, strengthening the whole people and disappear safe meaning
The effect known.
Summary of the invention
In view of this, it is an object of the invention to provide a kind of fire based on Internet of Things and insure system and method, right
The duty of the fire fighting device of unit of insuring is monitored, and associates with insuring and settling a claim, i.e. according to society
The real-time running state of unit fire fighting device, maintaining situation, scientific and rational formulation fire insurance
Method of insuring and amount for which loss settled, promote unit active undertaking security against fire responsibility of insuring, thus give full play to
Fire insurance is to ensureing life property safety of people, strengthening the whole people and disappear the effect of safety consciousness.
The fire based on Internet of Things of the present invention is insured system, including:
Fire fighting device monitoring terminal, it is possible to for obtaining the operating state data of fire fighting device, to this work shape
State data carry out logical judgment and obtain the result that fire fighting device is the most abnormal；
Data processing terminal, the logical judgment result that network reception fire fighting device monitoring terminal transmits, and according to
This logical judgment result determines that fire is insured grade；
Or, including:
Fire fighting device monitoring terminal, it is possible to for obtaining the operating state data of fire fighting device；
Data processing terminal, network receives the operating state data that fire fighting device monitoring terminal transmits, to this work
Carry out logical judgment as status data and obtain the result that fire fighting device is the most abnormal, and tie according to this logical judgment
Fruit determines that fire is insured grade.
Further, fire fighting device monitoring terminal includes:
Groups of sensor elements, including multiple detector units, the plurality of detector unit is correspondingly arranged in fire-fighting respectively
Facility needs the project of detection, needs the operating state data of the project of detection for correspondence detection fire fighting device；
Control unit, for receiving the operating state data that groups of sensor elements transmits, to this operating state data
Carry out the result that logical judgment fire fighting device is the most abnormal；Or, for receiving the work that groups of sensor elements transmits
Make status data；
Transmission unit, logical judgment result control unit carried out or operating state data transmit to data
Processing terminal.
Further, data processing terminal is terminal server, has a fire fighting device monitoring software module, and by
According to the logical judgment result of fire fighting device monitoring terminal, this fire fighting device monitoring software module determines that fire is insured
Grade；
Or, whether the operating state data of fire control facility to obtain fire fighting device abnormal if carrying out logical judgment
As a result, and according to this logical judgment result determine that fire is insured grade；
Further, groups of sensor elements includes automatic fire alarm system working state detection units, fire water-supply
Working state of system detector unit, fire-fighting smoke exhaust system working state detection units and the fire isolation facility detection that disappears
Unit；
Further, control unit is for receiving the operating state data that groups of sensor elements transmits, to this work shape
State data carry out logical judgment and obtain the result that fire fighting device is the most abnormal, by this logical judgment result and work
It is sent to transmission unit as status data；
Further, fire fighting device monitoring terminal also has output unit, and this output unit at least includes dress of reporting to the police
Put.
The invention also discloses a kind of fire based on Internet of Things to insure Claims Resolution method, comprise the following steps:
A. the operating state data of each project of fire fighting device is obtained；
B. the operating state data to each project of step a carries out logical judgment, obtains operating state data
The most abnormal result；
C. determine, according to the logical judgment result in step b, the grade that fire is insured.
Further, in step a, each project of described fire fighting device at least include automatic fire alarm system,
Fire supply system, fire-fighting smoke exhaust system and the fire isolation facility that disappears；
Further, described operating state data includes the running status of each project of fire fighting device, regular maintenance
Maintenance state and each project of fire fighting device are the most complete；In step b, also by operating state data and logic
Judged result generates statistical report form and stores；
Further, logical judgment is operating state data and the storage of each project of fire fighting device by acquisition
The duty normal data of each project of fire fighting device contrasts and obtains the knot that operating state data is the most abnormal
Really；Also including step d, the grade insured according to fire determines Claims Resolution grade, and determines amount for which loss settled.
Beneficial effects of the present invention: the fire based on Internet of Things of the present invention is insured system and method, utilizes thing
The duty of the fire fighting device of unit of insuring is monitored by networked system, and according to the fire-fighting of monitoring gained
The duty result of facility, determines the grade insured, and for offer foundation of insuring, can close with Claims Resolution meanwhile
Connection；I.e. according to the society real-time running state of unit fire fighting device, maintaining situation, scientific and rational
Formulate method of insuring and the amount for which loss settled of fire insurance, promote unit active undertaking security against fire responsibility of insuring,
Thus give full play to fire insurance to ensureing life property safety of people, strengthening the whole people and disappear safety consciousness
Effect.
Accompanying drawing explanation
The invention will be further described with embodiment below in conjunction with the accompanying drawings.
Fig. 1 is present system theory diagram；
Fig. 2 is the method program block diagram of the present invention.
Detailed description of the invention
Fig. 1 is present system theory diagram, as shown in the figure: the fire based on Internet of Things of the present embodiment is thrown
Insurance system, including:
Fire fighting device monitoring terminal, it is possible to for obtaining the operating state data of fire fighting device, to this work shape
State data carry out logical judgment and obtain the result that fire fighting device is the most abnormal；Fire fighting device monitoring terminal general with
Fire fighting device is correspondingly arranged, and can be multiple disparity items corresponding respectively to same fire fighting device or data,
Also can concentrate preservation and process, the general equipment using sensor or sensing equipment combination to have CPU, use
In obtaining many item data of fire fighting device and carrying out logical judgment；
Data processing terminal, the logical judgment result that network reception fire fighting device monitoring terminal transmits, and according to
This logical judgment result determines that fire is insured grade；Network can be to be the form such as wireless, wired, at this no longer
Repeat；Fire grade of insuring refers to duty according to fire fighting device and is formed and insure, do not insure and how
The grade insured, is determined according to different environment and different insurance systems；
Logical judgment refers to be contrasted with the standard first set by detection data result, is used for determining fire-fighting
The duty of facility the most normally, whether periodic maintenance maintenance etc..
Certainly, logical judgment also can be carried out in data processing terminal, and structure now is basic with said structure
Identical, i.e. include:
Fire fighting device monitoring terminal, it is possible to for obtaining the operating state data of fire fighting device；
Data processing terminal, network receives the operating state data that fire fighting device monitoring terminal transmits, to this work
Carry out logical judgment as status data and obtain the result that fire fighting device is the most abnormal, and tie according to this logical judgment
Fruit determines that fire is insured grade.
In the present embodiment, fire fighting device monitoring terminal includes:
Groups of sensor elements, including multiple detector units, the plurality of detector unit is correspondingly arranged in fire-fighting respectively
Facility needs the project of detection, needs the operating state data of the project of detection for correspondence detection fire fighting device；
The project needing detection refers to same set of fire fighting device and has different ingredients, and each ingredient is equal
Need detection, the normal use of the whole fire fighting device of guarantee；Detector unit uses according to different projects
Different structures, such as sensor obtain hydraulic signal, and temperature sensor obtains the ambient temperature before and after fire
Signals etc., do not repeat them here；
Control unit, for receiving the operating state data that groups of sensor elements transmits, to this operating state data
Carry out the result that logical judgment fire fighting device is the most abnormal；Control unit can use single chip computer architecture, carries out letter
Single logical judgment and storage work, can be one or more according to the different control units that needs, with many
Signal transmission relation is formed between individual detector unit；
Certainly, if logical judgment process is at data processing terminal, then control unit is used only for receiving detection
Operating state data that unit group transmits also stores and transmission, does not has self-respect at this and repeats；
Transmission unit, logical judgment result control unit carried out or operating state data transmit to data
Processing terminal, transmission unit refers generally to web-transporting device here, does not repeats them here；Detector unit and control
Form signal by Internet of Things between unit processed, data are transmitted, and formed comprehensively, monitor on a large scale.
In the present embodiment, data processing terminal is terminal server, can be to comprise multiple terminal as required
The big data terminal server group of server, terminal server and fire fighting device or fire fighting device monitoring terminal
Can have corresponding relation, there is bigger capacity and arithmetic speed；Terminal server has fire fighting device monitoring
Software module, and tied according to the logical judgment of fire fighting device monitoring terminal by this fire fighting device monitoring software module
Fruit determines that fire is insured grade；The effect of software is finally to determine, according to logical judgment result, grade of insuring, and
Grade of insuring has corresponding relation with logical judgment result, does not repeats them here.
Certainly, when logical judgment is carried out at data processing terminal, then there is terminal server fire control facility
Operating state data carries out logical judgment and obtains the result that fire fighting device is the most abnormal, and according to this logical judgment
Result determines that fire is insured grade；
In the present embodiment, groups of sensor elements includes that automatic fire alarm system working state detection units (includes
Electrical equipment etc. need to realize the environment of automatic fire alarm), fire supply system working state detection units, fire-fighting
Smoke evacuation system working state detection units and the fire isolation facility detector unit that disappears；Each detector unit above-mentioned due to
The data gathered are respectively from each project different types of data of fire fighting device, thus can use as required
Different equipment, such as temperature, Smoke Sensor, pressure transducer or video sensing, infrared sensing etc.,
Do not repeat them here.
In the present embodiment, control unit is for receiving the operating state data that groups of sensor elements transmits, to this work
Carry out logical judgment as status data and obtain the result that fire fighting device is whether abnormal, by this logical judgment result with
And operating state data is sent to transmission unit；Control unit can form corresponding relation with groups of sensor elements, also
Whole data acquisition, logical judgment and transmission can be completed by a control unit, can set voluntarily as required
Fixed, do not repeat them here.
In the present embodiment, fire fighting device monitoring terminal also has output unit, and this output unit at least includes report
Alarm device, certainly, output unit also can comprise the printing at scene, video frequency output etc., and alarm device refers to
The duty of fire fighting device occurs implementing under abnormal condition to report to the police, and reminds staff to process, it is to avoid impact
Insure or fire occur time occur danger.
The invention also discloses a kind of fire based on Internet of Things to insure Claims Resolution method, comprise the following steps:
A. the operating state data of each project of fire fighting device is obtained；By the aforementioned detector unit in the present embodiment
Complete；
B. the operating state data to each project of step a carries out logical judgment, obtains operating state data
The most abnormal result；Completed by aforesaid fire fighting device monitoring terminal or data processing terminal；
C. determine, according to the logical judgment result in step b, the grade that fire is insured.
In the present invention, logical judgment result and determining according to logical judgment result insures grade by being installed on
Fire fighting device monitoring terminal is or/and data processing terminal software sets realization as required, such as:
Forming fire fighting device duty statistical report form collection by the data transmitted, this report set is according to fire-fighting
Facility monitoring terminal gather fire fighting device operating state data generate fire fighting device duty statistical table,
Fire fighting device fault statistics table, fire fighting device health analysis table, fire fighting device hidden danger sequencing table etc. are constituted；Disappear
Anti-facility staff statistic report set be fire control facility on a time period running status (normal operating conditions,
Abnormal failure state, maintaining state) add up, draw and normally work at certain anti-facility of time internal diabetes
Time, abnormal failure time and the summation of maintaining time, calculate abnormal failure time and normal work simultaneously
Make the data such as the percentage ratio of time, maintaining time and normal percent on time, for the throwing of fire insurance
Protect and Claims Resolution provides objective, data supporting accurately；
Grade of insuring is determined according to the above results:
Such as: set of algorithms of insuring and settle a claim includes insure algorithm and Claims Resolution algorithm.
A. insure algorithm: fire property insurance Insuring way calculate include personal injury, house, machinery equipment,
Instrument and meter, raw material, semi-finished product and product are insured, if fire-fighting facility operation is in good condition in 1 year
(in can setting 1 year, the serviceability rate time reaches more than 95%), and non-breaking out of fire, then Second Year insurance expenses exists
Preferential 10% (can arrange flexibly according to demand for insurance) on last year benchmark fee basis；Fire-fighting in 1 year
Facility operation is in good condition, and non-breaking out of fire, then the 3rd year insurance expenses is on last year benchmark fee basis
Preferential 20%；1 year and more than 3 years fire fighting device running statuses good, and there is not fire
Calamity, then the 3rd year insurance expenses is on last year benchmark fee basis preferential 30%；(being shown in Table 1)
Table 1 is insured algorithm table
B. settle a claim algorithm: the conventional Claims Resolution in fire danger algorithm is:
Amount for which loss settled=(insured amount/insurance value) * actual loss
If fire fighting device running status excellent (in such as 1 year, the serviceability rate time reaches more than 95%) breaking out of fire,
Fully settle a claim by amount for which loss settled；If fire fighting device running status is good, (in 1 year, the serviceability rate row time reaches 85%
Breaking out of fire above), by 90% Claims Resolution of amount for which loss settled；If fire fighting device running status is general (in 1 year
The serviceability rate row time reaches more than 75%) breaking out of fire, by 80% Claims Resolution of amount for which loss settled；If fire fighting device runs
General (in 1 year, the serviceability rate row time reaches less than the 60%) breaking out of fire of state, by 70% Claims Resolution of amount for which loss settled.
Table 2 is settled a claim algorithm table
Above-mentioned calculation is only for example, and can carry out the flexible reason without deviating from the present invention according to different needs
Opinion basis；The present invention monitors based on data by fire fighting device Internet of Things objective, real, the fire drawn
Insure algorithm and the Claims Resolution algorithm of insurance, can according to society's unit fulfil security against fire responsibility to insured amount and
Claims Resolution carries out reasonable disposition, may advantageously facilitate society's unit and strengthens security against fire consciousness, reduces disaster hidden-trouble,
To ensureing that life property safety of people plays positive effect.
In the present embodiment, in step a, each project of described fire fighting device at least includes automatic fire alarm system
System, fire supply system, fire-fighting smoke exhaust system and the fire isolation facility that disappears；
In the present embodiment, described operating state data includes the running status of each project of fire fighting device, daily
Maintaining state and each project of fire fighting device are the most complete；In step b, also by operating state data and
Logical judgment result generates statistical report form and stores；The duty of acquisition is drawn after carrying out logical judgment
Data have exception, then send warning and preserve.
In the present embodiment, logical judgment is operating state data and the storage of each project of fire fighting device by acquisition
It is the most abnormal that the duty normal data of each project of fire fighting device deposited contrasts and obtain operating state data
Result；Also including step d, when fire occurs, the grade insured according to fire determines Claims Resolution grade,
And determine amount for which loss settled；Concrete Claims Resolution citing such as aforementioned table 2.
Finally illustrate, above example only in order to technical scheme to be described and unrestricted, although
With reference to preferred embodiment, the present invention is described in detail, it will be understood by those within the art that,
Technical scheme can be modified or equivalent, without deviating from technical solution of the present invention
Objective and scope, it all should be contained in the middle of scope of the presently claimed invention.
Claims (10)
1. a fire based on Internet of Things is insured system, it is characterised in that: including:
Fire fighting device monitoring terminal, it is possible to for obtaining the operating state data of fire fighting device, to this work shape
State data carry out logical judgment and obtain the result that fire fighting device is the most abnormal；
Data processing terminal, the logical judgment result that network reception fire fighting device monitoring terminal transmits, and according to
This logical judgment result determines that fire is insured grade；
Or, including:
Fire fighting device monitoring terminal, it is possible to for obtaining the operating state data of fire fighting device；
Data processing terminal, network receives the operating state data that fire fighting device monitoring terminal transmits, to this work
Carry out logical judgment as status data and obtain the result that fire fighting device is the most abnormal, and tie according to this logical judgment
Fruit determines that fire is insured grade.
Fire based on Internet of Things the most according to claim 1 is insured system, it is characterised in that: fire-fighting
Facility monitoring terminal includes:
Groups of sensor elements, including multiple detector units, the plurality of detector unit is correspondingly arranged in fire-fighting respectively
Facility needs the project of detection, needs detection purpose operating state data for correspondence detection fire fighting device；
Control unit, for receiving the operating state data that groups of sensor elements transmits, to this operating state data
Carry out the result that logical judgment fire fighting device is the most abnormal；Or, for receiving the work that groups of sensor elements transmits
Make status data；
Transmission unit, logical judgment result control unit carried out or operating state data transmit to data
Processing terminal.
Fire based on Internet of Things the most according to claim 1 is insured system, it is characterised in that: data
Processing terminal is terminal server, has fire fighting device monitoring software module, and soft by the monitoring of this fire fighting device
According to the logical judgment result of fire fighting device monitoring terminal, part module determines that fire is insured grade；
Or, whether the operating state data of fire control facility to obtain fire fighting device abnormal if carrying out logical judgment
As a result, and according to this logical judgment result determine that fire is insured grade.
Fire based on Internet of Things the most according to claim 2 is insured system, it is characterised in that: detection
Unit group includes that automatic fire alarm system working state detection units, fire supply system duty detect
Unit, fire-fighting smoke exhaust system working state detection units and the fire isolation facility detector unit that disappears.
Fire based on Internet of Things the most according to claim 2 is insured system, it is characterised in that: control
Unit, for receiving the operating state data that groups of sensor elements transmits, carries out logic to this operating state data and sentences
The result that disconnected acquisition fire fighting device is the most abnormal, is sent to this logical judgment result and operating state data
Transmission unit.
Fire based on Internet of Things the most according to claim 1 is insured system, it is characterised in that: fire-fighting
Facility monitoring terminal also has output unit, and this output unit at least includes alarm device.
7. a fire based on Internet of Things is insured Claims Resolution method, it is characterised in that: comprise the following steps:
A. the operating state data of each project of fire fighting device is obtained；
B. the operating state data to each project of step a carries out logical judgment, obtains operating state data
The most abnormal result；
C. determine, according to the logical judgment result in step b, the grade that fire is insured.
The most according to claim 7 build fire based on Internet of Things and insure Claims Resolution method, it is characterised in that:
In step a, each project of described fire fighting device at least include automatic fire alarm system, fire supply system,
Fire-fighting smoke exhaust system and the fire isolation facility that disappears.
Fire based on Internet of Things the most according to claim 7 is insured Claims Resolution method, it is characterised in that:
Described operating state data includes the running status of each project of fire fighting device, daily maintenance state and disappears
Each project of anti-facility is the most complete；In step b, also operating state data and logical judgment result are generated
Statistical report form stores.
Fire based on Internet of Things the most according to claim 7 is insured Claims Resolution method, it is characterised in that:
Logical judgment be operating state data and the storage by each project of fire fighting device obtained fire fighting device each
The duty normal data of project contrasts and obtains the result that operating state data is the most abnormal；Also include step
Rapid d, the grade insured according to fire determines Claims Resolution grade, and determines amount for which loss settled.
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| CN107146357A (en) * | 2017-07-14 | 2017-09-08 | 重庆和航科技股份有限公司 | Fire based on Internet of Things in advance, thing neutralize retroactive method and monitoring system afterwards |
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| CN109949168A (en) * | 2019-02-28 | 2019-06-28 | 中科云创(厦门)科技有限公司 | Data processing method and device applied to property insurance |
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Application publication date: 20160824 |