CN106651589A - Vehicle insurance charging method based on body area network and apparatus thereof - Google Patents
Vehicle insurance charging method based on body area network and apparatus thereof Download PDFInfo
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- CN106651589A CN106651589A CN201611034479.6A CN201611034479A CN106651589A CN 106651589 A CN106651589 A CN 106651589A CN 201611034479 A CN201611034479 A CN 201611034479A CN 106651589 A CN106651589 A CN 106651589A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The invention discloses a vehicle insurance charging method based on a body area network and an apparatus thereof. The vehicle insurance charging method based on the body area network comprises the following steps of acquiring person information in a vehicle, wherein the information is collected by equipment in the body area network; acquiring vehicle information collected by a vehicle diagnosis system; and combining the person information in the vehicle and the vehicle information and analyzing, calculating and acquiring vehicle insurance data, and according to the vehicle insurance data, calculating vehicle insurance charges. By using the method and the apparatus, reasonable vehicle insurance charges based on person in the vehicle and the vehicle can be provided for an insurance company and a vehicle owner and a user experience is improved.
Description
Technical field
The present invention relates to car insurance technical field, more particularly to a kind of car insurance charging method based on body area network and
Device.
Background technology
At present, traditional car insurance industry primary concern is that vehicle factor, such as basis when vehicle insurance rate is determined
New car purchases valency, actual driving time, place, mileage, with reference to speed, anxious the information such as accelerate, brings to a halt and occur judging automobile
Collision or the probability of other accidents, so as to determining vehicle insurance charging.Traditional vehicle insurance charging method, only account for vehicle because
Element, but when vehicle occurs accident, vehicle, occupant, surrounding environment (road, weather) they are the relations for interacting, and are sent out
Make trouble thus after when settling a claim according only to vehicle factor come to judge car insurance charging be inaccurate, traditional car insurance charged party
Method cannot provide rationally accurately insurance charging to insurance company and car owner, reduce Consumer's Experience.
The content of the invention
The embodiment of the present invention provides a kind of car insurance charging method and device based on body area network, can be according to vehicle occupant
Member's information and information of vehicles provide more reasonable effectively vehicle insurance charging method for insurance company and car owner, improve Consumer's Experience.
In a first aspect, the invention provides a kind of car insurance charging method based on body area network, including：
Obtain occupant's information that the equipment in the body area network is gathered；
Obtain the information of vehicles that vehicle diagnosing system is gathered；
It is analyzed with reference to occupant's information, information of vehicles, calculates car insurance data, according to the car
Insurance data calculates car insurance charging.
Preferably, occupant's information includes driver information and Customer information,
Occupant's information that the equipment obtained in the body area network is gathered is specifically included：Obtain the body area network
In the driver information that gathered of equipment and Customer information；
Occupant's information, information of vehicles are analyzed and specifically include described in the combination：With reference to the driver information,
Customer information, information of vehicles are analyzed, and calculate car insurance data, calculate vehicle according to the car insurance data and protect
Dangerous charging.
Preferably, the information of vehicles includes at least one of vehicle essential information, vehicle traveling information.
Preferably, the driver information includes at least in physiological data, the driving behavior data of the driver
It is individual；
The Customer information includes the physiological data of passenger, takes at least one of behavioral data.
Preferably, also include after occupant's information, information of vehicles is obtained：
Judge whether the situation of current occupant or vehicle reaches according to occupant's information, information of vehicles pre-
If alarm conditions, if reaching default alarm conditions, to the occupant information is sent；
After the unit interval, occupant's information, the vehicle diagnostics system of the equipment collection in the body area network is obtained
The gathered information of vehicles of system；
Judge driver whether according to the information according to the occupant's information for obtaining again, information of vehicles
React, and car insurance data are calculated according to whether occupant reacts according to the information, according to
The car insurance data calculate an insurance charging.
Second aspect, the invention provides a kind of car insurance message accounting based on body area network, including：
First acquisition module, for obtaining the body area network in occupant's information for being gathered of equipment；
Second acquisition module, for obtaining the information of vehicles that vehicle diagnosing system is gathered；
Analysis module, for being analyzed with reference to occupant's information, information of vehicles, calculates car insurance number
According to according to car insurance data calculating car insurance charging.
Preferably, occupant's information includes driver information and Customer information,
First acquisition module is specifically for driver information and take advantage of that the equipment in the body area network that obtains is gathered
Objective information；
The analysis module with reference to the driver information, Customer information, information of vehicles specifically for being analyzed, meter
Calculation draws car insurance data, and according to the car insurance data car insurance charging is calculated.
Preferably, the information of vehicles includes at least one of vehicle essential information, vehicle traveling information.
Preferably, the driver information includes at least in physiological data, the driving behavior data of the driver
It is individual；
The Customer information includes the physiological data of passenger, takes at least one of behavioral data.
Preferably, described device also includes：
Judge module, for after occupant's information, information of vehicles is obtained, being believed according to the occupant
Breath, information of vehicles judge whether current occupant or the situation of vehicle reach default alarm conditions；
Reminding module, for when the situation of current occupant or vehicle reaches default alarm conditions, to described
Occupant sends information；
First acquisition module is additionally operable to, and information, unit are sent to the occupant in the reminding module
After time, the vehicle that occupant's information of the equipment collection in the acquisition body area network, the vehicle diagnosing system are gathered
Information；
The analysis module is additionally operable to, and according to the occupant's information for obtaining again, information of vehicles driver is judged
Whether reacted according to the information, and calculated according to whether occupant reacts according to the information
Go out car insurance data, according to the car insurance data car insurance charging is judged.
Implement the embodiment of the present invention, can be by occupant's information of the body area network collection to getting and vehicle diagnostics
The information of vehicles of system acquisition is analyzed, and calculates car insurance data, and according to the car insurance data vehicle is calculated
Insurance charging.Can be provided based on in-car for insurance company and car owner by the car insurance charging method based on body area network
Personnel, the rational vehicle insurance charging of vehicle, improve Consumer's Experience.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is a kind of structural representation of body area network provided in an embodiment of the present invention.
Fig. 2 is a kind of car insurance charging method based on body area network provided in an embodiment of the present invention.
Fig. 3 is another kind of car insurance charging method based on body area network provided in an embodiment of the present invention.
Fig. 4 is a kind of car insurance message accounting based on body area network provided in an embodiment of the present invention.
Fig. 5 is another kind of car insurance message accounting based on body area network provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
It should be noted that the term for using in embodiments of the present invention be only merely for description specific embodiment mesh
, and it is not intended to be limiting the present invention." one of singulative used in the embodiment of the present invention and appended claims
Kind ", " described " and " being somebody's turn to do " are also intended to include most forms, unless context clearly shows that other implications.It is also understood that this
Term "and/or" used herein is referred to and associated any or all possible group that lists project comprising one or more
Close.
The embodiment of the invention discloses a kind of car insurance charging method and device based on body area network.For the ease of to this
Invention is understood, the body area network in the embodiment of the present invention is described first.Refering to Fig. 1, Fig. 1 is that the embodiment of the present invention is carried
For a kind of body area network structural representation, the body area network is attached to a kind of network with human body, the body area network bag
Include：Communication equipment 110, BAN telegons 120.The communication equipment 110 is a set of compact removable, setting with communication function
It is standby, can be that the wearable device of sensor, or human peripheral (is for example worn on blood oxygen transducer, the watch of finger tip
Type blood glucose sensor, Wrist watch type sleep quality measuring instrument, sleep physiology detector, intelligent watch, Intelligent bracelet, intelligent glasses
Deng), or portable equipment (such as mobile phone, panel computer etc.), and inside of human body implantation equipment is (such as implantable
Identification component etc.).The communication equipment 110 can with monitored for prolonged periods of time and gather, record human body health signal, human action letter
Number, ambient signal or other kinds of signal, and the signal for collecting is converted into into digital information, be transferred to body area network
Interior other communication equipments are transferred to external network by BAN telegons.In FIG, only it is enumerated four kinds of communications to set
Standby, in a practical situation, the communication equipment in the body area network generally has multiple.
The BAN telegons 120 are the network managers of body area network, are also the gateway between body area network and external network,
The BAN telegons can be such that data are safely transmitted.Between the communication equipment 110, the communication equipment 110 and institute
State between BAN telegons by bluetooth, wifi, ZigBee or other wirelessly communicated.
In embodiments of the present invention, based on body area network described above can accurate acquisition to occupant's information, and then
Preferably determine car insurance charging.
Fig. 2 is referred to, Fig. 2 is a kind of stream of car insurance charging method based on body area network provided in an embodiment of the present invention
Cheng Tu, methods described can obtain occupant's information by body area network, and by vehicle diagnosing system information of vehicles is obtained, and tie
Close occupant's information, information of vehicles to be analyzed, calculate car insurance data, and according to the car insurance number
According to calculating car insurance charging.A kind of car insurance charging method based on body area network includes step S201-S204.
In step s 201, occupant's information that the equipment in the body area network is gathered is obtained.
In the present embodiment, specifically, occupant's information includes driver information and Customer information, described
Driver information includes at least one of physiological data, driving behavior data of the driver；The Customer information includes
The physiological data of passenger, take at least one of behavioral data.
Communication equipment in the body area network can gather the physiological data of driver, driving behavior data, the driving
Physiological data, the driving behavior data of person are all the key factors for affecting car insurance charging.The physiological data of the driver
Heart rate, blood pressure, body temperature, blood glucose value, internal alcohol content including driver etc., can by the physiological data of the driver
Judge the driving condition of driver.For example, if alcohol content is exceeded in driver's body, driver's drunk driving is illustrated；At driver
When fatigue state, corresponding physical signs also can change, and for example heart rate is gradually lowered with the time, and body temperature and respiratory rate are at any time
Between when being gradually increasing, illustrate that driver is in fatigue driving state；If driver's heart rate, body temperature etc. are abnormal, driver is illustrated
It is possible to occur in that sudden illness in driving procedure.Therefore, by user's physical signs for collecting body area network with just
Often the data of the physical signs under state are contrasted, and can effectively judge whether the driving condition of driver is normal, driver
Driving condition be normally whether the key factor for affecting car insurance charging.
Whether the driving behavior that the driving behavior data of the driver reflect driver is good and observe traffic rules and regulations.
In driving procedure, driver bows, being answered the call with hand belongs to bad steering behavior, increases the general of car accident generation
Rate.Communication equipment in the body area network can gather the action signal of driver, i.e. driving behavior data, according to the driving
Behavioral data may determine that whether driver bows in driving procedure, be answered the call with hand or other bad steering rows
For.
Communication equipment in the body area network can also gather the physiological data of passenger, take advantage of except gathering driver information
Sit behavioral data.In the case of having passenger in vehicle, the physiological situation of passenger and take behavior and can all have influence on driver
Physiological situation or the change of driving behavior, and then affect final car insurance charging.The physiological data of the passenger includes
The physical signs such as heart rate, blood pressure, body temperature, the blood glucose value of passenger, by the contrast with normal physiological index, it can be determined that Cheng Keshi
It is no sudden illness or other situations occur, and then judge whether to produce impact to car insurance charging；The body area network
The behavioral data of taking of the action signal of passenger, i.e. passenger can also be gathered, the passenger's takes behavioral data including passenger
Whether there is interference driver to drive the behavior of vehicle, including touching driver's body shape such as cause the driving condition of vehicle to be mutated
Condition.The physiological data of the passenger and take behavioral data all be affect car insurance charging key factor.
In step S202, the information of vehicles that vehicle diagnosing system is gathered is obtained.
Specifically, the vehicle diagnosing system can obtain the relevant information of vehicle, and the vehicle diagnosing system can be
OBD (On Board Diagnostic, onboard diagnostic system).The information of vehicles includes vehicle essential information, vehicle traveling letter
At least one of breath.The vehicle can be obtained including car speed, acceleration, acceleration by the vehicle diagnosing system
Etc. essential information, by the change of the vehicle essential information, it can be determined that driver whether have hypervelocity, bring to a halt, take a sudden turn,
The behaviors such as anxious acceleration.
The vehicle traveling information such as information such as vehicle position information, route or travel by vehicle is also obtained by vehicle diagnosing system
.The current driving conditions of vehicle may determine that by the vehicle position information, route or travel by vehicle etc., in different travelings
Under the conditions of vehicle occur accident probability it is different.For example, in high speed, national highway, urban road, backroad, rotary island, no signal lamp
On intersection there is the probability of accident and differ in vehicle, and no signal lamp intersection is evident as accident occurrence of location；And put down
The different landform such as original, mountain area, hills, He Hu, tunnel can also affect car accident probability of happening, such as knob, how curved
Dao Duopo roads, sight line is not good when driver goes up a slope, and accident easily occurs；Travel is construction, congestion, without central partition, passenger-cargo
Also car accident probability of happening had a great impact when mixed road；Driver is in familiar road and is unfamiliar with
Road also have a great impact, driver occur on familiar road accident probability be less than on strange road drive send out
Make trouble thus probability.Therefore, the vehicle traveling information for being obtained according to vehicle diagnosing system may determine that contingency occurrence probability, as
Key factor in insurance data is calculating insurance charging.
In step S203, it is analyzed with reference to occupant's information, information of vehicles, calculates car insurance number
According to.
Specifically, it is analyzed according to driver information, Customer information, information of vehicles, calculates car insurance data,
The car insurance data are the data related to car insurance charging, the data from above-mentioned driver information, Customer information,
Analyze in information of vehicles, calculate and.
In step S204, according to the car insurance data car insurance charging is calculated.
Above-mentioned to understand, a kind of car insurance charging method based on body area network in the embodiment of the present invention is by getting
Body area network collection occupant's information and vehicle diagnosing system collection information of vehicles be analyzed, calculate vehicle guarantor
Dangerous data, according to the car insurance data car insurance charging is calculated.By the car insurance charging based on body area network
Method can provide the rational vehicle insurance charging for being based on occupant, vehicle for insurance company and car owner, improve Consumer's Experience.
Refering to Fig. 3, Fig. 3 is another kind of car insurance charging method based on body area network provided in an embodiment of the present invention, institute
Method is stated including step S301-S306.It is understood that step S201-S202 shown in fig. 2 can also be applied to this
In step S302-S302 in embodiment, will not be described here.
In step S301, occupant's information that the equipment in the body area network is gathered is obtained.
In step s 302, the information of vehicles that vehicle diagnosing system is gathered is obtained.
In step S303, current occupant or vehicle are judged according to occupant's information, information of vehicles
Whether situation reaches default alarm conditions.
Specifically, occupant's information includes driver information and Customer information.The driver information includes driving
The person's of sailing physiological data and driving behavior data, the Customer information includes passenger's physiological data and takes behavioral data.The car
Information includes vehicle essential information and vehicle traveling information.
In the present embodiment, alarm conditions are default, in occupant's information, information of vehicles exception, are affected
Alarm conditions are reached in the case of safety, alcohol content is exceeded such as in driver's body, fatigue driving；In driving behavior data
Aspect, such as driver are answered the call with hand；Passenger has the behaviors such as touching driver's interference driving；Situations such as overspeed of vehicle.
In step s 304, if the situation of current occupant or vehicle reaches default alarm conditions, to described
Occupant sends information.
Specifically, when in the car the situation of personnel or vehicle is abnormal, information is sent to the occupant, so as to
Occupant makes corresponding measure, reduces the probability that accident occurs.
In step S305, after the information unit interval is sent, the equipment collection in the body area network is obtained again
Occupant's information, the information of vehicles that gathered of the vehicle diagnosing system.
In step S306, driver's whether root is judged according to the occupant's information for obtaining again, information of vehicles
React according to the information, and vehicle is calculated according to whether occupant reacts according to the information
Insurance data, according to the car insurance data car insurance charging is judged.
Specifically, after the information unit interval is sent to occupant, the equipment in the body area network is obtained again
The information of vehicles that occupant's information of collection, the vehicle diagnosing system are gathered, by the occupant for getting again letter
Whether breath, information of vehicles and occupant's information before, information of vehicles are contrasted, judge occupant according to the prompting
Information takes appropriate measures.For example, according to driver information learn that driver is answered the call with hand before, reach alarm bar
Whether part, to driver information is sent, and after the unit interval, driver information is obtained again, judge driver according to institute
State the hazardous act that information termination hand is answered the call.
It is also the important of car insurance charging that whether occupant makes according to the information and taking appropriate measures
Factor, therefore car insurance data are calculated according to whether occupant reacts according to the information, and according to
It is necessary that the car insurance data calculate car insurance charging.
Above-mentioned to understand, a kind of car insurance charging method based on body area network in the embodiment of the present invention is by getting
Body area network collection occupant's information and vehicle diagnosing system collection information of vehicles be analyzed, in the occupant
Or the situation of vehicle sends information when reaching alarm conditions to the occupant, and obtain again after the unit interval
Occupant's information and information of vehicles, judge whether occupant reacts according to information with this, and according to vehicle occupant
Whether member reacts according to information and calculates car insurance data, calculates vehicle according to the car insurance data and protects
Dangerous charging.Can be provided based on vehicle occupant for insurance company and car owner by the car insurance charging method based on body area network
Member, the rational vehicle insurance charging of vehicle, improve Consumer's Experience.
Refering to Fig. 4, Fig. 4 is a kind of car insurance method message accounting based on body area network provided in an embodiment of the present invention,
It is understood that each functional module of the device of the embodiment of the present invention can be in the embodiment of the method according to above-mentioned Fig. 2 side
Method is implemented, and it implements the associated description that process is referred to said method embodiment, will not be described here.Described device
400 include：
First acquisition module 410, for obtaining the body area network in occupant's information for being gathered of equipment.
Specifically, occupant's information includes driver information and Customer information, and the driver information includes institute
At least one of physiological data, driving behavior data of driver are stated, the Customer information includes the physiological data of passenger, takes advantage of
Sit at least one of behavioral data.
First acquisition module 410 is specifically for obtaining the driver information that the equipment in the body area network is gathered
And Customer information.
Second acquisition module 420, for obtaining the information of vehicles that vehicle diagnosing system is gathered.
Specifically, the information of vehicles includes at least one of vehicle essential information, vehicle traveling information.
Analysis module 430, for being analyzed with reference to occupant's information, information of vehicles, calculates vehicle guarantor
Dangerous data, according to the car insurance data car insurance charging is calculated.
Above-mentioned to understand, a kind of car insurance message accounting based on body area network in the embodiment of the present invention is by getting
Body area network collection occupant's information and vehicle diagnosing system collection information of vehicles be analyzed, calculate vehicle guarantor
Dangerous data, according to the car insurance data car insurance charging is calculated.By the car insurance charging based on body area network
Device can provide the rational vehicle insurance charging for being based on occupant, vehicle for insurance company and car owner, improve Consumer's Experience.
Refering to Fig. 5, Fig. 5 another kind of car insurance method message accountings based on body area network provided in an embodiment of the present invention.
It is understood that the first acquisition module 410, the second acquisition module 420, analysis module 430 shown in Fig. 4 can also be applied
The first acquisition module 510, the second acquisition module 520 in the embodiment of the present invention, analysis module 530.Additionally, the present invention is implemented
The function of each functional module of the device in example can be implemented according to the method in above-mentioned Fig. 3 embodiments of the method, its concrete reality
Existing process is referred to the associated description of said method embodiment, will not be described here.Described device includes：
First acquisition module 510, for obtaining the body area network in occupant's information for being gathered of equipment.
Second acquisition module 520, for obtaining the information of vehicles that vehicle diagnosing system is gathered.
Analysis module 530, for being analyzed with reference to occupant's information, information of vehicles, calculates vehicle guarantor
Dangerous data, according to the car insurance data car insurance charging is calculated.
Judge module 540, for after occupant's information, information of vehicles is obtained, according to the occupant
Information, information of vehicles judge whether current occupant or the situation of vehicle reach default alarm conditions；
Reminding module 550, for when the situation of current occupant or vehicle reaches default alarm conditions, to institute
State occupant and send information；
Specifically, information is sent to the occupant in the reminding module, after the unit interval, described first obtains
Delivery block 510 obtains again occupant's information of the equipment collection in the body area network, the vehicle diagnosing system and is gathered
Information of vehicles；The analysis module 530 judges that driver is according to the occupant's information for obtaining again, information of vehicles
It is no to be reacted according to the information, and calculate according to whether occupant reacts according to the information
Car insurance data, according to the car insurance data car insurance charging is judged.
Above-mentioned to understand, a kind of car insurance message accounting based on body area network in the embodiment of the present invention is by getting
Body area network collection occupant's information and vehicle diagnosing system collection information of vehicles be analyzed, in the occupant
Or the situation of vehicle sends information when reaching alarm conditions to the occupant, and obtain again after the unit interval
Occupant's information and information of vehicles, judge whether occupant reacts according to information with this, and according to vehicle occupant
Whether member reacts according to information and calculates car insurance data, calculates vehicle according to the car insurance data and protects
Dangerous charging.Can be provided based on vehicle occupant for insurance company and car owner by the car insurance message accounting based on body area network
Member, the rational vehicle insurance charging of vehicle, improve Consumer's Experience.
One of ordinary skill in the art will appreciate that realizing all or part of flow process in above-described embodiment method, can be
Related hardware is instructed to complete by computer program, described program can be stored in a computer read/write memory medium
In, the program is upon execution, it may include such as the flow process of the embodiment of above-mentioned each method.Wherein, described storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
Above disclosed is only a kind of preferred embodiment of the invention, can not limit the power of the present invention with this certainly
Sharp scope, one of ordinary skill in the art will appreciate that all or part of flow process of above-described embodiment is realized, and according to present invention power
Profit requires made equivalent variations, still falls within the covered scope of invention.
Claims (10)
1. a kind of car insurance charging method based on body area network, it is characterised in that include：
Obtain occupant's information that the equipment in the body area network is gathered；
Obtain the information of vehicles that vehicle diagnosing system is gathered；
It is analyzed with reference to occupant's information, information of vehicles, calculates car insurance data, is protected according to the vehicle
Dangerous data calculate car insurance charging.
2. method according to claim 1, it is characterised in that occupant's information includes driver information and passenger
Information,
Occupant's information that the equipment obtained in the body area network is gathered is specifically included：In obtaining the body area network
Driver information and Customer information that equipment is gathered；
Occupant's information, information of vehicles are analyzed and specifically include described in the combination：With reference to the driver information, passenger
Information, information of vehicles are analyzed, and calculate car insurance data, and according to the car insurance data car insurance meter is calculated
Take.
3. method according to claim 1, it is characterised in that the information of vehicles includes vehicle essential information, vehicle row
Sail at least one of information.
4. method according to claim 2, it is characterised in that the driver information includes the physiology number of the driver
According at least one of, driving behavior data；
The Customer information includes the physiological data of passenger, takes at least one of behavioral data.
5. method according to claim 1, it is characterised in that after occupant's information, information of vehicles is obtained
Also include：
Judge whether the situation of current occupant or vehicle reaches according to occupant's information, information of vehicles default
Alarm conditions, if reaching default alarm conditions, to the occupant information are sent；
After the information unit interval is sent, occupant's information, the institute of the equipment collection in the body area network is obtained again
State the information of vehicles that vehicle diagnosing system is gathered；
Judge whether driver makes according to the information according to the occupant's information for obtaining again, information of vehicles
Reaction, and car insurance data are calculated according to whether occupant reacts according to the information, according to described
Car insurance data calculate car insurance charging.
6. a kind of car insurance message accounting based on body area network, it is characterised in that include：
First acquisition module, for obtaining the body area network in occupant's information for being gathered of equipment；
Second acquisition module, for obtaining the information of vehicles that vehicle diagnosing system is gathered；
Analysis module, for being analyzed with reference to occupant's information, information of vehicles, calculates car insurance data,
Car insurance charging is calculated according to the car insurance data.
7. device according to claim 6, it is characterised in that occupant's information includes driver information and passenger
Information,
First acquisition module is specifically for driver information and passenger's letter that the equipment in the body area network that obtains is gathered
Breath；
The analysis module specifically for, be analyzed with reference to the driver information, Customer information, information of vehicles, calculate
Go out car insurance data, according to the car insurance data car insurance charging is calculated.
8. device according to claim 7, it is characterised in that the information of vehicles includes vehicle essential information, vehicle row
Sail at least one of information.
9. device according to claim 7, it is characterised in that the driver information includes the physiology number of the driver
According at least one of, driving behavior data；
The Customer information includes the physiological data of passenger, takes at least one of behavioral data.
10. device according to claim 6, it is characterised in that described device also includes：
Judge module, for after occupant's information, information of vehicles is obtained, according to occupant's information, car
Information judges whether current occupant or the situation of vehicle reach default alarm conditions；
Reminding module, for when the situation of current occupant or vehicle reaches default alarm conditions, to the in-car
Personnel send information；
First acquisition module is additionally operable to, and information, unit interval are sent to the occupant in the reminding module
Afterwards, the information of vehicles that occupant's information of the equipment collection in the acquisition body area network, the vehicle diagnosing system are gathered；
The analysis module is additionally operable to, and whether driver is judged according to the occupant's information for obtaining again, information of vehicles
Reacted according to the information, and car is calculated according to whether occupant reacts according to the information
Insurance data, according to the car insurance data car insurance charging is judged.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201611034479.6A CN106651589A (en) | 2016-11-08 | 2016-11-08 | Vehicle insurance charging method based on body area network and apparatus thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611034479.6A CN106651589A (en) | 2016-11-08 | 2016-11-08 | Vehicle insurance charging method based on body area network and apparatus thereof |
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| CN106651589A true CN106651589A (en) | 2017-05-10 |
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| CN201611034479.6A Pending CN106651589A (en) | 2016-11-08 | 2016-11-08 | Vehicle insurance charging method based on body area network and apparatus thereof |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109214930A (en) * | 2017-07-07 | 2019-01-15 | 成都优赞网络科技有限公司 | Car insurance calculation method, device and service terminal |
| CN110163762A (en) * | 2019-04-15 | 2019-08-23 | 深圳壹账通智能科技有限公司 | Vehicle insurance premium method of adjustment, device, computer equipment and storage medium |
| CN110263602A (en) * | 2018-03-12 | 2019-09-20 | 深圳鼎然信息科技有限公司 | UBI method of data capture, device, equipment and medium |
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| CN110263602B (en) * | 2018-03-12 | 2021-11-30 | 深圳鼎然信息科技有限公司 | UBI data collection method, device, equipment and medium |
| CN110163762A (en) * | 2019-04-15 | 2019-08-23 | 深圳壹账通智能科技有限公司 | Vehicle insurance premium method of adjustment, device, computer equipment and storage medium |
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Application publication date: 20170510 |