CN106447496A - Car insurance policy automatic generating method, car, electronic equipment and insurance server - Google Patents
Car insurance policy automatic generating method, car, electronic equipment and insurance server Download PDFInfo
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- CN106447496A CN106447496A CN201510478567.4A CN201510478567A CN106447496A CN 106447496 A CN106447496 A CN 106447496A CN 201510478567 A CN201510478567 A CN 201510478567A CN 106447496 A CN106447496 A CN 106447496A
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- 238000006243 chemical reaction Methods 0.000 claims description 4
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- 238000007689 inspection Methods 0.000 claims 1
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- 238000006073 displacement reaction Methods 0.000 description 4
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- 238000010586 diagram Methods 0.000 description 2
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Abstract
A car insurance policy automatic generating method comprises the steps of acquiring driving data of a car, and analyzing user driving data of the car according to the acquired driving data; acquiring the driving data of the car in a previous insurance period, and determining a driving risk and a risk grade which correspond with the vehicle by means of the preset rule; determining a car insurance preference measure which corresponds with the car according to a mapping relationship between the risk grade and a car insurance policy measure; and automatically generating a car insurance policy in a current insurance period according to the determined car insurance preference measure. The invention further provides a car and electronic equipment which are suitable for the car insurance policy automatic generating method. The car insurance policy automatic generating method, the car, the electronic equipment and the insurance server have advantages of analyzing the driving data of a user, and setting the differentiated car insurance policy according to the driving data.
Description
Technical field
The present invention relates to insurance system field, particularly a kind of vehicle insurance declaration form side of automatically generating based on big data
Method, vehicle, electronic equipment and insurance server.
Background technology
In recent years, China's transportation industry flourishes, and resident's automobile pollution significantly rises, thereupon
Road traffic accident frequently occur, the rear-end impact of vehicle, rollover etc., the big portion of these vehicle accidents
Dividing is all as too high in speed, fatigue driving etc. because the dangerous driving behavior of driver leads to.
In order to reduce the economic loss that vehicle accident brings, general human pilot all can buy vehicle insurance.For
Have the driver of breakneck driving data, the probability that it has an accident is significantly larger than other drivers,
Therefore, it is necessary to this kind of driver is set with the vehicle insurance declaration form of differentiation.
Content of the invention
In view of the foregoing it is necessary to provide a kind of vehicle insurance declaration form automatic generation method, vehicle, electronic equipment
And insurance server, it can analyze the driving data of user, and is set for user according to this driving data
The vehicle insurance declaration form of differentiation.
A kind of vehicle insurance declaration form automatic generation method, the method includes：The driving data of collection vehicle, according to collection
Driving data analyze user's driving habit of described vehicle, determine and preserve the corresponding danger of described vehicle
Driving habit；After the declaration form receiving described vehicle generates instruction, the institute that an acquisition upper insurance cycle has deposited
State the dangerous driving custom data of vehicle, data is accustomed to according to the dangerous driving obtaining and utilizes default rule
Determine described vehicle corresponding driving risk class；According to default driving risk class and vehicle insurance preferential measure
Mapping relations, determine the corresponding first vehicle insurance preferential measure of described vehicle；And according to first determining
Vehicle insurance preferential measure, generates the current vehicle insurance declaration form insuring the cycle.
Preferably, described dangerous driving custom includes wide-angle break-in, significantly plus/minus speed, acceleration and deceleration
High conversion frequency and drive over the speed limit.
Preferably, the driving data of described vehicle include using speed detection unit, acceleration transducer and
Gyroscope in real time or taken at regular intervals vehicle linear movement in the process of moving speed data, acceleration
Rotational angular velocity data when data and deflection, inclination.
Preferably, after the described step determining the corresponding first vehicle insurance preferential measure of described vehicle, should
Method includes：Obtain be in danger number of times and/or the amount of money that is in danger of the described vehicle that an insurance cycle has deposited；Root
According to default be in danger number of times and/or the be in danger amount of money and the mapping relations of vehicle insurance preferential measure, determine described vehicle
Corresponding second vehicle insurance preferential measure；According to the first vehicle insurance preferential measure determined and the second vehicle insurance is preferential arranges
Apply, generate the current vehicle insurance declaration form insuring the cycle.
A kind of vehicle being applied to said method, this vehicle include driving data collecting unit, storage device with
And processor, wherein：Described driving data collecting unit, for gathering the driving data of described vehicle；Institute
State memory element, for rotational angular velocity number when storing the speed of described linear movement and deflection, tilting
According to further, described memory element is also stored with a vehicle insurance declaration form automatic creation system.Described process
Device, is used for calling and execute described vehicle insurance declaration form automatic creation system, to execute following steps：Using described
Driving data collecting unit gathers the driving data of described vehicle, according to the driving data of collection analyzes
User's driving habit of vehicle, determines and preserves described vehicle corresponding dangerous driving custom；Described receiving
After the declaration form of vehicle generates instruction, obtained the dangerous driving custom of the described vehicle that a upper insurance cycle has deposited
Using default rule, data, according to the dangerous driving custom data obtaining and determines that described vehicle is corresponding and drives
Sail risk class；According to the default mapping relations driving risk class and vehicle insurance preferential measure, determine institute
State the corresponding first vehicle insurance preferential measure of vehicle；And according to the first vehicle insurance preferential measure determined, generate and work as
The vehicle insurance declaration form in front insurance cycle.
Preferably, described driving data collecting unit includes speed detection unit, acceleration transducer and gyro
Instrument, wherein：Described speed detection unit is used for the i.e. speed per hour of vehicle according to the Rotating speed measring of vehicle tyre
Degree；Described acceleration transducer is used for the acceleration of measuring vehicle linear movement in the process of moving；Described
Rotational angular velocity data when gyroscope is used for measuring vehicle deflection in the process of moving, tilts.
A kind of electronic equipment being applied to said method, this electronic equipment includes radio communication unit, storage sets
Standby and processor, wherein：Described radio communication unit is led to for wirelessly being carried out data with vehicle
News；Described memory element, be stored with a vehicle insurance declaration form automatic creation system.Described processor, for adjusting
With and execute described vehicle insurance declaration form automatic creation system, to execute following steps：In the guarantor receiving a vehicle
After single generation instruction, obtain upper one of described vehicle storage from described vehicle by described radio communication unit
The dangerous driving custom data in insurance cycle, according to the dangerous driving custom data obtaining and using default rule
Then determine described vehicle corresponding driving risk class；Drive that risk class is preferential with vehicle insurance arranges according to default
The mapping relations applied, determine the corresponding first vehicle insurance preferential measure of described vehicle；And according to determining
One vehicle insurance preferential measure, generates the current vehicle insurance declaration form insuring the cycle.Wherein, number is accustomed in described dangerous driving
Generate as follows according to by described vehicle：Gather the driving number of described vehicle using driving data collecting unit
According to；Analyze user's driving habit of described vehicle according to the driving data of collection, determine and preserve described car
Corresponding dangerous driving custom.
A kind of insurance server being applied to said method, this insurance server includes radio communication unit, deposits
Storage equipment and processor, wherein：Described radio communication unit is used for wirelessly entering line number with vehicle
According to communication；Described memory element, be stored with a vehicle insurance declaration form automatic creation system.Described processor, uses
In calling and executing described vehicle insurance declaration form automatic creation system, to execute following steps：Receiving a vehicle
Declaration form generate instruction after, by described radio communication unit from described vehicle obtain described vehicle storage upper
The dangerous driving custom data in one insurance cycle, according to the dangerous driving custom data obtaining and using default
Rule determine described vehicle corresponding driving risk class；Excellent with vehicle insurance according to default driving risk class
The mapping relations of favour measure, determine the corresponding first vehicle insurance preferential measure of described vehicle；And according to determining
The first vehicle insurance preferential measure, generate the current vehicle insurance declaration form insuring the cycle.Wherein, described dangerous driving is practised
Used data is generated as follows by described vehicle：Gather driving of described vehicle using driving data collecting unit
Sail data；Analyze user's driving habit of described vehicle according to the driving data of collection, determine and preserve institute
State vehicle corresponding dangerous driving custom.
Preferably, described memory element be also stored with described vehicle upper one insurance the cycle be in danger number of times and/
Or the amount of money that is in danger, described processor calls and executes described vehicle insurance declaration form automatic creation system, as follows to execute
Step：After the declaration form receiving a vehicle generates instruction, by described radio communication unit from described vehicle
Obtained the dangerous driving custom data in a upper insurance cycle of described vehicle storage, the danger according to obtaining is driven
Sail custom data and determine described vehicle corresponding driving risk class using default rule；According to default
Drive the mapping relations of risk class and vehicle insurance preferential measure, determine that corresponding first vehicle insurance of described vehicle is excellent
Favour measure；Obtain be in danger number of times and/or the amount of money that is in danger of the described vehicle that an insurance cycle has deposited；According to
Default be in danger number of times and/or the be in danger amount of money and the mapping relations of vehicle insurance preferential measure, determine described vehicle pair
The the second vehicle insurance preferential measure answered；According to the first vehicle insurance preferential measure determined and the second vehicle insurance preferential measure,
Generate the current vehicle insurance declaration form insuring the cycle.
Using vehicle insurance declaration form automatic generation method of the present invention, vehicle, electronic equipment and insurance server,
The driving data of user can be analyzed using big data, and differentiation is set for user according to this driving data
Vehicle insurance declaration form.
Brief description
Fig. 1 is the hardware environment figure of vehicle insurance declaration form automatic creation system the first preferred embodiment of the present invention.
Fig. 2 is the hardware environment figure of vehicle insurance declaration form automatic creation system the second preferred embodiment of the present invention.
Fig. 3 is the hardware environment figure of vehicle insurance declaration form automatic creation system the 3rd of the present invention preferred embodiment.
Fig. 4 is the hardware environment figure of vehicle insurance declaration form automatic creation system the 4th of the present invention preferred embodiment.
Fig. 5 is the functional block diagram of vehicle insurance declaration form automatic creation system preferred embodiment of the present invention.
Fig. 6 is the method implementing procedure figure of vehicle insurance declaration form automatic generation method preferred embodiment of the present invention.
Mapping relations between the driving data of Fig. 7 citing user and driving risk and risk class.
The risk class of driving data of Fig. 8 citing user and the mapping relations of vehicle insurance preferential measure.
Specific embodiment
Refering to the hardware loop shown in Fig. 1, being vehicle insurance declaration form automatic creation system the first preferred embodiment of the present invention
Border figure.Vehicle insurance declaration form automatic creation system 10 described in the present embodiment can be installed and run on a vehicle 1,
In the car-mounted electronic device of this vehicle 1.
Described vehicle 1 further includes acceleration transducer 11, processor 14 and radio communication unit 15.
Additionally, described vehicle 1 also includes driving data collecting unit, such as include gyroscope 12, storage device 13 with
And speed detection unit 16.Described vehicle insurance declaration form automatic creation system 10, acceleration transducer 11, gyroscope
12nd, storage device 13, processor 14, radio communication unit 15 and speed detection unit 16 pass through data
Line communication connects.
Described acceleration transducer 11 can also be referred to as linear velocity trans, is used to Measuring Object, such as car
The sensor of 1 linear motion speed.Described gyroscope 12 can also be referred to as angular-rate sensor, uses
Carry out Measuring Object, such as the sensor of the rotational angular velocity in deflection, inclination of vehicle 1.
Described storage device 13 can be one or more non-volatile memory cells, such as ROM, EPROM
Or Flash Memory (flash memory cell) etc..Described storage device 13 can be built-in or be external in car
1.
Described processor 14 is arithmetic core (Core Unit) and the control core (Control Unit) of vehicle 1,
For explaining the instruction in vehicle 1 and processing the software data in vehicle 1.
This radio communication unit 15 can be connected with the communication of insurance server 2 wirelessly, with
Insurance server 2 carries out data exchange.Described wireless mode include bluetooth, WLAN, WiFi, zigbee,
CDMA, GSM, TD-SCDMA etc..
Described speed detection unit 16 is used for the i.e. speed per hour of vehicle 1 according to the Rotating speed measring of vehicle tyre
Degree.For example, described speed detection unit 16 can be electromagnetic sensor, this induction biography
Sensor is arranged on the non-rotating part (as knuckle or spindle nose) of wheel set, rotates with wheel
The gear ring made of permeability magnetic material relatively.When gear ring rotates relative to electromagnetic sensor, due to magnetic resistance
Change, alternating voltage signal motivated on electromagnetic sensor, the frequency of this alternating voltage with
Vehicle wheel rotational speed is directly proportional, and described alternating voltage signal is converted to the square wave of same frequency, then by measuring square wave
Frequency or cycle calculate vehicle wheel rotational speed, thus obtaining the current instant speed of vehicle 1.
Described vehicle insurance declaration form automatic creation system 10 includes the executable program code of computer, this program code
Can be stored in described storage device 13, under the execution of processor 14, realize following function：In real time
Or the driving data of taken at regular intervals vehicle 1, such as by acceleration transducer 11, gyroscope 12 and speed
Detector unit 16 is in real time or taken at regular intervals store the number of speed of vehicle 1 linear movement in the process of moving
According to, acceleration information, deflection, rotational angular velocity data when tilting, current instant speed etc., according to
The driving data of collection analyzes the dangerous driving custom of the user of vehicle 1, such as wide-angle break-in, significantly
Plus/minus speed, accelerate and slow down high conversion frequency, drive over the speed limit, determine upper one according to default rule
The driving risk of vehicle 1 described in the insurance cycle and risk class, and preferential according to this risk class and vehicle insurance
The mapping relations of measure, determine the corresponding vehicle insurance preferential measure of described vehicle 1, and arrange according to this vehicle insurance is preferential
Apply the vehicle insurance declaration form automatically generating vehicle 1 current period.
Wherein, described default rule is as shown in Figure 7.Here it should be noted that the driving shown in Fig. 7
Data and the rule driven between risk and risk class are simply schematic, and those skilled in the art can be arranged
Any suitable rule.As shown in fig. 7, when by gathering to acceleration transducer 11 and gyroscope 12
The speed data of the vehicle 1 arriving linear movement in the process of moving, rotational angular velocity when deflection, inclination
Data carries out big data analysis, and the driving data drawing vehicle 1 is for when often persistently running at high speed, then it is right
The driving risk answered is probably easily to produce to knock into the back, and risk class could be arranged to three-level；When analysis obtains
Driving data is often turned for vehicle 1 and is not slowed down, then its corresponding driving risk is possibly susceptible to turn on one's side,
Risk class could be arranged to two grades；When the driving data that analysis obtains continuously is driven a vehicle for a long time for vehicle 1,
Then its corresponding driving risk is probably easy fatigue driving, and risk class could be arranged to as one-level, etc..
This default rule is stated in storage device 13 described in being stored in advance in.
Further, described risk class is as shown in Figure 8 with the mapping relations of vehicle insurance preferential measure.Here should
This explanation, the risk class shown in Fig. 8 is simply schematic with the mapping relations of vehicle insurance preferential measure,
Those skilled in the art can arrange any suitable mapping.As shown in figure 8, when the risk class of vehicle 1 judges
During for one-level, its corresponding vehicle insurance preferential measure could be arranged to 1.5 times of a cycle insurance premium *；When
When the risk class of vehicle 1 is judged to two grades, its corresponding vehicle insurance preferential measure could be arranged to a week
1.2 times of extended insurance expense *；When the risk class of vehicle 1 is judged to three-level, corresponding vehicle insurance is preferential arranges for it
Apply and could be arranged to a cycle insurance premium；When the risk class of vehicle 1 is judged to level Four, it is right
The vehicle insurance preferential measure answered could be arranged to 0.8 times of a cycle insurance premium *, etc.；
In the present embodiment, can by the processor 14 of vehicle 1 to acceleration transducer 12, gyroscope 13 with
And vehicle 1 speed data of linear movement in the process of moving of speed detection unit 16 collection, acceleration,
Rotational angular velocity data when deflection, inclination, current instant speed carries out big data analysis, obtains user
Driving data, and after the judgement of the risk class completing vehicle 1, this risk class is passed through wireless telecommunications
Unit 15 sends insurance server 2 to, is executed the judgement of vehicle insurance preferential measure by insurance server 2, and
The generation of vehicle insurance declaration form.
Refering to the hardware loop shown in Fig. 2, being vehicle insurance declaration form automatic creation system the second preferred embodiment of the present invention
Border figure.
In the present embodiment, described acceleration transducer 11, gyroscope 12 and speed detection unit 16 can
To be arranged on vehicle 1, such as in the car-mounted electronic device of this vehicle 1, and vehicle insurance declaration form automatic creation system 10,
Storage device 13 and processor 14 can be installed in portable electric appts 3.Described portable
Electronic equipment 3 can be smart mobile phone, panel computer, notebook computer, the setting of Wearable electronics etc..Should
Portable electric appts 3 are located in vehicle 1.Additionally, vehicle 1 and portable electric appts 3 all include
Radio communication unit 15.Acceleration transducer 12 in vehicle 1, gyroscope 13 and speed detection unit
The vehicle 1 that 16 the collect speed data of linear movement in the process of moving, acceleration information, deflection,
Rotational angular velocity data during inclination, and current instant speed, can be passed by radio communication unit 15
To portable electric appts 3, to analyze the driving data of the user of vehicle 1, determine and this driving data pair
The driving risk answered and risk class, this risk class is sent to insurance clothes by radio communication unit 15
Business device 2, is executed the judgement of vehicle insurance preferential measure, and the generation of vehicle insurance declaration form by insurance server 2.
Refering to the hardware loop shown in Fig. 3, being vehicle insurance declaration form automatic creation system the 3rd of the present invention preferred embodiment
Border figure.
In the present embodiment, described vehicle insurance declaration form automatic creation system 10, acceleration transducer 11, gyroscope 12,
Storage device 13, processor 14 and radio communication unit 15 are installed in described portable electric appts 3
In, this portable electric appts 3 is located in vehicle 1.Further, described portable electric appts 3 are gone back
Including positioning unit 17.
Described positioning unit 17 can detect working as of portable electric appts 3 as a kind of speed detection unit
Front speed.In the present embodiment, described positioning unit 17 can send two framing signals to multiple aeronautical satellites,
Transmission interval time of two framing signals is preset value；Described positioning unit 17 receives from multiple aeronautical satellites
Feed back signal twice, and according to feeding back signal twice and determine direction of displacement and the displacement of portable electric appts 3
Amount, and according to determine direction of displacement, displacement, preset value transmission interval time, calculate described in just
Take the present speed of formula electronic equipment 3.
Now, by portable electric appts 3 processor 14 to acceleration transducer 11, gyroscope 12 with
And vehicle 1 speed data of linear movement in the process of moving of positioning unit 17 collection, acceleration information
Deflection, rotational angular velocity data when tilting, and current instant speed carries out big data analysis, obtains
After the driving data of user, and the judgement of the risk class completing vehicle 1, this risk class is passed through wireless
Communication unit 15 sends insurance server 2 to, is executed the judgement of vehicle insurance preferential measure by insurance server 2,
And the generation of vehicle insurance declaration form.
Refering to the hardware loop shown in Fig. 4, being vehicle insurance declaration form automatic creation system the 4th of the present invention preferred embodiment
Border figure.
In the present embodiment, described acceleration transducer 11, gyroscope 12 and speed detection unit 16 can
To be arranged on vehicle 1, such as in the car-mounted electronic device of this vehicle 1, and vehicle insurance declaration form automatic creation system 10,
Storage device 13 and processor 14 can be installed in described insurance server 2.Additionally, vehicle 1 with
And described insurance server 3 all includes radio communication unit 15.
Now, vehicle 1 pass through radio communication unit 15 by described travel during linear movement number of speed
According to, acceleration information, deflection, rotational angular velocity data when tilting, and current instant speed transmission
To insurance server 2, big data analysis is carried out to speed data by insurance server 2, obtain the driving of user
Data, and execute the risk class of vehicle 1 and the judgement of vehicle insurance preferential measure, and generate vehicle insurance declaration form.
Refering to the functional block diagram shown in Fig. 5, being vehicle insurance declaration form automatic creation system preferred embodiment of the present invention.
The program code of described vehicle insurance declaration form automatic creation system 10, according to its different function, can be divided into
Multiple functional modules.In the present embodiment, described vehicle insurance declaration form automatic creation system 10 can include analysis module
100th, acquisition module 101, determining module 102, matching module 103 and declaration form generation module 104.
Described analysis module 100 is according to acceleration transducer 11 and gyroscope 12 and speed detection unit
16 in real time or taken at regular intervals vehicle 1 linear movement in the process of moving speed data, accelerate the number of degrees
According to, deflection, tilt when rotational angular velocity data, and current instant speed, analysis obtains vehicle 1
User driving data.The driving data of described user potentially include wide-angle break-in, significantly plus/minus speed,
Acceleration and the high conversion frequency slowed down, hypervelocity etc..
Described acquisition module 101 is used for, after the declaration form receiving described vehicle 1 generates instruction, obtaining upper one
The driving data of the vehicle that the insurance cycle has deposited.In the present embodiment, described acceleration transducer 11 and gyro
Instrument 12, can record while the speed data of linear movement in the process of moving in phase collection vehicle 1 simultaneously
Acquisition time.A described upper insurance cycle can an above calendar year, calendar month or any setting week
Phase.
Described determining module 102 is used for the driving data according to a described upper insurance cycle vehicle, using pre-
If rule, determine driving risk and the risk class of user.Shown in Fig. 7, when the driving number of vehicle 1
According to during for often persistently running at high speed, then its corresponding driving risk is probably easily to produce to knock into the back, risk etc.
Level could be arranged to three-level；Often turn for vehicle 1 when driving data and do not slow down, then its corresponding driving wind
Danger is possibly susceptible to turn on one's side, and risk class could be arranged to two grades；When driving data for vehicle 1 long when
Between continuous when driving a vehicle, then its corresponding driving risk is probably easy fatigue driving, and risk class can be arranged
For one-level, etc..
Described matching module 103 is used for being closed with the mapping of vehicle insurance preferential measure according to default risk class of driving
System, determines the corresponding first vehicle insurance preferential measure of described vehicle 1.As shown in figure 8, the wind when vehicle 1
When dangerous grade is judged to one-level, its corresponding vehicle insurance preferential measure could be arranged to a cycle insurance premium
* 1.5 times；When the risk class of vehicle 1 is judged to two grades, its corresponding vehicle insurance preferential measure can be arranged
For 1.2 times of upper a cycle insurance premium *；When the risk class of vehicle 1 is judged to three-level, it is corresponding
Vehicle insurance preferential measure could be arranged to a cycle insurance premium；When the risk class of vehicle 1 is judged to four
During level, its corresponding vehicle insurance preferential measure could be arranged to 0.8 times of a cycle insurance premium *, etc.；
In the other embodiment of the present invention, described matching module 103 is determining described vehicle corresponding first
After the step of vehicle insurance preferential measure, it is additionally operable to obtain being in danger of the described vehicle that an insurance cycle deposited
Number of times and/or the amount of money that is in danger, according to reflecting of default be in danger number of times and/or the be in danger amount of money and vehicle insurance preferential measure
Penetrate relation, determine the corresponding second vehicle insurance preferential measure of described vehicle.
It is preferential that declaration form generation module 104 is used for the first vehicle insurance preferential measure and/or the second vehicle insurance determined by basis
Measure, automatically generates the current vehicle insurance declaration form insuring the cycle.
Implement stream refering to the method shown in Fig. 6, being vehicle insurance declaration form automatic generation method preferred embodiment of the present invention
Cheng Tu.Described in the present embodiment, vehicle insurance declaration form automatic generation method is not limited to step shown in flow chart, in addition
In step shown in flow chart, some steps can be omitted, the order between step can change.
Step S10, obtains the current instant speed of vehicle 1 in real time or periodically using speed detection unit 16,
And store, such as store in storage device 13.
Step S11, using acceleration transducer 11 in real time or linear movement when taken at regular intervals user drives
Speed data, acceleration information, using gyroscope 12 deflection in real time or when taken at regular intervals user drives, incline
Rotational angular velocity data when tiltedly, and store, such as store in storage device 13.
Step S12, analysis module 101 is analyzed to the data of above-mentioned storage, draws the driving data of user.
In the present embodiment, it is possible to use big data analytical tool, according to described acceleration transducer 11 and gyroscope
12 in real time or taken at regular intervals store the speed data of vehicle 1 linear movement in the process of moving, deflection,
Rotational angular velocity data during inclination, analyzes the driving data of the user of vehicle 1.
Step S13, acquisition module 101, after the declaration form receiving described vehicle generates instruction, obtains a upper guarantor
The driving data of the vehicle that the dangerous cycle has deposited.In the present embodiment, described acceleration transducer 11 and gyroscope
12 in phase collection vehicle 1 speed data of linear movement in the process of moving, accelerate the number of degrees, and deflection,
While rotational angular velocity data during inclination, acquisition time can be recorded simultaneously.A described upper insurance cycle can
The cycle of an above calendar year, calendar month or any setting.
Step S14, determining module 102 according to described upper one insurance cycle vehicle driving data, according to institute
State the driving data of an insurance cycle vehicle, using default rule, determine the driving risk of user with
And risk class.Shown in Fig. 7, when the driving data of vehicle 1 is often persistently to run at high speed, then it is right
The driving risk answered is probably easily to produce to knock into the back, and risk class could be arranged to three-level；When driving data is
Vehicle 1 is often turned and is not slowed down, then its corresponding driving risk is possibly susceptible to turn on one's side, risk class
Could be arranged to two grades；When driving data is continuously driven a vehicle for a long time for vehicle 1, then its corresponding driving wind
Danger is probably easy fatigue driving, and risk class could be arranged to one-level, etc..
Step S15, matching module 103 is closed with the mapping of vehicle insurance preferential measure according to default risk class of driving
System, determines the corresponding first vehicle insurance preferential measure of described vehicle.As shown in figure 8, the risk when vehicle 1
When grade is judged to one-level, its corresponding vehicle insurance preferential measure could be arranged to a cycle insurance premium
* 1.5 times；When the risk class of vehicle 1 is judged to two grades, its corresponding vehicle insurance preferential measure can be arranged
For 1.2 times of upper a cycle insurance premium *；When the risk class of vehicle 1 is judged to three-level, it is corresponding
Vehicle insurance preferential measure could be arranged to a cycle insurance premium；When the risk class of vehicle 1 is judged to four
During level, its corresponding vehicle insurance preferential measure could be arranged to 0.8 times of a cycle insurance premium *, etc.；
In the other embodiment of the present invention, in the step determining the corresponding first vehicle insurance preferential measure of described vehicle
After rapid, the method includes：Obtain the number of times and/or go out of being in danger of the described vehicle that an insurance cycle deposited
The dangerous amount of money；According to default be in danger number of times and/or the be in danger amount of money and the mapping relations of vehicle insurance preferential measure, determine
Go out the corresponding second vehicle insurance preferential measure of described vehicle；According to the first vehicle insurance preferential measure and second determined
Vehicle insurance preferential measure, generates the current vehicle insurance declaration form insuring the cycle.
Step S16, declaration form generation module 104 according to determined by the first vehicle insurance preferential measure and/the second vehicle insurance
Preferential measure, automatically generates the current vehicle insurance declaration form insuring the cycle.
It should be noted last that, above example only in order to technical scheme to be described and unrestricted,
Although being described in detail to the present invention with reference to preferred embodiment, those of ordinary skill in the art should manage
Solution, can modify to technical scheme or equivalent, without deviating from technical solution of the present invention
Spirit and scope.
Claims (9)
1. a kind of vehicle insurance declaration form automatic generation method is it is characterised in that the method includes：
The driving data of collection vehicle, drives according to the user that the driving data of collection analyzes described vehicle and practises
Used, determine and preserve described vehicle corresponding dangerous driving custom；
After the declaration form receiving described vehicle generates instruction, the described vehicle that an acquisition upper insurance cycle has deposited
Dangerous driving data, the dangerous driving custom data according to obtaining simultaneously determines described car using default rule
Corresponding driving risk class；
According to the default mapping relations driving risk class and vehicle insurance preferential measure, determine described vehicle pair
The the first vehicle insurance preferential measure answered；And
According to the first vehicle insurance preferential measure determined, generate the current vehicle insurance declaration form insuring the cycle.
2. the method for claim 1 is it is characterised in that described dangerous driving custom includes wide-angle change
To, significantly plus/minus speed, accelerate and slow down high conversion frequency and drive over the speed limit.
3. the method for claim 1 is it is characterised in that the driving data of described vehicle is included using speed
Degree detector unit, acceleration transducer and gyroscope in real time or taken at regular intervals vehicle in the process of moving
Instant speed, the speed data of linear movement, acceleration information and deflection, tilt when angle of rotation
Speed data.
4. the method for claim 1 is it is characterised in that determine described vehicle corresponding in described
After the step of one vehicle insurance preferential measure, the method includes：
Obtain be in danger number of times and/or the amount of money that is in danger of the described vehicle that an insurance cycle has deposited；
According to default be in danger number of times and/or the be in danger amount of money and the mapping relations of vehicle insurance preferential measure, determine institute
State the corresponding second vehicle insurance preferential measure of vehicle；
According to the first vehicle insurance preferential measure determined and the second vehicle insurance preferential measure, generate the current insurance cycle
Vehicle insurance declaration form.
5. a kind of vehicle being applied to Claims 1-4 any one methods described is it is characterised in that this vehicle
Including driving data collecting unit, storage device and processor, wherein：
Described driving data collecting unit, for gathering the driving data of described vehicle；
Described memory element, for storing the driving data of described driving data collecting unit collection, further
Ground, described memory element is also stored with a vehicle insurance declaration form automatic creation system；
Described processor, is used for calling and execute described vehicle insurance declaration form automatic creation system, to execute following step
Suddenly：
Gather the driving data of described vehicle using described driving data collecting unit, according to the driving number of collection
According to the user's driving habit analyzing described vehicle, determine and preserve described vehicle corresponding dangerous driving custom；
After the declaration form receiving described vehicle generates instruction, the described vehicle that an acquisition upper insurance cycle has deposited
Dangerous driving custom data, the dangerous driving custom data according to obtaining simultaneously determines institute using default rule
State vehicle corresponding driving risk class；
According to the default mapping relations driving risk class and vehicle insurance preferential measure, determine described vehicle pair
The the first vehicle insurance preferential measure answered；And
According to the first vehicle insurance preferential measure determined, generate the current vehicle insurance declaration form insuring the cycle.
6. vehicle as claimed in claim 5 is it is characterised in that described driving data collecting unit includes speed inspection
Survey unit, acceleration transducer and gyroscope, wherein：
Described speed detection unit is used for the instantaneous velocity of vehicle according to the Rotating speed measring of vehicle tyre；
Described acceleration transducer is used for the acceleration of measuring vehicle linear movement in the process of moving；
Rotational angular velocity data when described gyroscope is used for measuring vehicle deflection in the process of moving, tilts.
7. a kind of electronic equipment being applied to Claims 1-4 any one methods described is it is characterised in that this electricity
Sub- equipment includes radio communication unit, storage device and processor, wherein：
Described radio communication unit is used for wirelessly carrying out data communication with vehicle；
Described memory element, be stored with a vehicle insurance declaration form automatic creation system；
Described processor, is used for calling and execute described vehicle insurance declaration form automatic creation system, to execute following step
Suddenly：
After the declaration form receiving a vehicle generates instruction, obtained from described vehicle by described radio communication unit
Took the dangerous driving custom data in a upper insurance cycle of described vehicle storage, according to the dangerous driving obtaining
Custom data simultaneously determines described vehicle corresponding driving risk class using default rule；
According to the default mapping relations driving risk class and vehicle insurance preferential measure, determine described vehicle pair
The the first vehicle insurance preferential measure answered；And
According to the first vehicle insurance preferential measure determined, generate the current vehicle insurance declaration form insuring the cycle；
Wherein, described dangerous driving custom data is generated as follows by described vehicle：
Gather the driving data of described vehicle using driving data collecting unit；
Analyze user's driving habit of described vehicle according to the driving data of collection, determine and preserve described car
Corresponding dangerous driving custom.
8. a kind of insurance server being applied to Claims 1-4 any one methods described is it is characterised in that be somebody's turn to do
Insurance server includes radio communication unit, storage device and processor, wherein：
Described radio communication unit is used for wirelessly carrying out data communication with vehicle；
Described memory element, be stored with a vehicle insurance declaration form automatic creation system；
Described processor, is used for calling and execute described vehicle insurance declaration form automatic creation system, to execute following step
Suddenly：
After the declaration form receiving a vehicle generates instruction, obtained from described vehicle by described radio communication unit
Took the dangerous driving custom data in a upper insurance cycle of described vehicle storage, according to the dangerous driving obtaining
Custom data simultaneously determines described vehicle corresponding driving risk class using default rule；
According to the default mapping relations driving risk class and vehicle insurance preferential measure, determine described vehicle pair
The the first vehicle insurance preferential measure answered；And
According to the first vehicle insurance preferential measure determined, generate the current vehicle insurance declaration form insuring the cycle；
Wherein, described dangerous driving custom data is generated as follows by described vehicle：
Gather the driving data of described vehicle using driving data collecting unit；
Analyze user's driving habit of described vehicle according to the driving data of collection, determine and preserve described car
Corresponding dangerous driving custom.
9. insurance server as claimed in claim 8 it is characterised in that described memory element be also stored with described
In be in danger number of times and/or the amount of money that is in danger in upper one insurance cycle, described processor calls and executes described vehicle
Vehicle insurance declaration form automatic creation system, to execute following steps：
After the declaration form receiving a vehicle generates instruction, obtained from described vehicle by described radio communication unit
Took the dangerous driving custom data in a upper insurance cycle of described vehicle storage, according to the dangerous driving obtaining
Custom data simultaneously determines described vehicle corresponding driving risk class using default rule；
According to the default mapping relations driving risk class and vehicle insurance preferential measure, determine described vehicle pair
The the first vehicle insurance preferential measure answered；
Obtain be in danger number of times and/or the amount of money that is in danger of the described vehicle that an insurance cycle has deposited；
According to default be in danger number of times and/or the be in danger amount of money and the mapping relations of vehicle insurance preferential measure, determine institute
State the corresponding second vehicle insurance preferential measure of vehicle；
According to the first vehicle insurance preferential measure determined and the second vehicle insurance preferential measure, generate the current insurance cycle
Vehicle insurance declaration form.
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| CN201510478567.4A CN106447496A (en) | 2015-08-06 | 2015-08-06 | Car insurance policy automatic generating method, car, electronic equipment and insurance server |
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| CN110838070A (en) * | 2019-10-12 | 2020-02-25 | 中国平安财产保险股份有限公司 | Intelligent vehicle insurance claim settlement probability prediction method and device and computer readable storage medium |
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