CN107977896A - The accounting method and device that car insurance is taken - Google Patents
The accounting method and device that car insurance is taken Download PDFInfo
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- CN107977896A CN107977896A CN201711394540.2A CN201711394540A CN107977896A CN 107977896 A CN107977896 A CN 107977896A CN 201711394540 A CN201711394540 A CN 201711394540A CN 107977896 A CN107977896 A CN 107977896A
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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 the accounting method and device that a kind of car insurance is taken.Wherein, method includes：Road assessment models are trained previously according to the road attribute data that multiple automobile sample collections are arrived；During car terminals traveling, the road attribute data that car terminals collect are supplied to road assessment models；Road attribute information corresponding with car terminals is determined according to the output result of road assessment models；Road attribute information corresponding with car terminals is supplied to default premium Accounting Model, the car insurance that car terminals are adjusted according to the output result of premium Accounting Model is taken；Wherein, road attribute data include at least one of the following：The angular velocity data of the acceleration information of accelerometer output, the camera data of camera output and turn meter output.Using the present invention program, the insurance premium for vehicle of accepting insurance can be calculated based on the traffic information of the vehicle travel of acquisition.
Description
Technical field
The present invention relates to automobile technical field, and in particular to the accounting method and device that a kind of car insurance is taken.
Background technology
With expanding economy, more and more people start to buy and drive a car, and driver is buying and driving vapour
Car insurance would generally be bought when car loss caused by accident occurs to reduce.Insurance company is in the guarantor to vehicle of accepting insurance
Needed when danger is fixed a price according to many aspects, such as the driving of the road conditions, driver of the daily traveling of vehicle of accepting insurance
The quality of behavior, vehicle in itself etc..
But inventor has found in the implementation of the present invention, insurance company determines in the insurance to vehicle of accepting insurance
When valency, it is impossible to the traffic information for obtaining vehicle travel or the road conditions letter that cannot comprehensively obtain vehicle travel
Breath, so that the insurance premium for vehicle of accepting insurance cannot be adjusted exactly.It can be seen from the above that lacking one kind in the prior art can solve well
The accounting method and device that certainly the car insurance of the above problem is taken.
The content of the invention
In view of the above problems, it is proposed that the present invention overcomes the above problem in order to provide one kind or solves at least in part
State the accounting method and device of the car insurance expense of problem.
According to an aspect of the invention, there is provided the accounting method that a kind of car insurance is taken, including：
Road assessment models are trained previously according to the road attribute data that multiple automobile sample collections are arrived；
During car terminals traveling, it is supplied to road to assess mould the road attribute data that car terminals collect
Type；
Road attribute information corresponding with car terminals is determined according to the output result of road assessment models；
Road attribute information corresponding with car terminals is supplied to default premium Accounting Model, mould is adjusted according to premium
The car insurance that the output result of type adjusts car terminals is taken；
Wherein, road attribute data include at least one of the following：Acceleration information, the camera of accelerometer output
The angular velocity data of camera data and the turn meter output of output.
According to another aspect of the present invention, there is provided the accounting device that a kind of car insurance is taken, including：
First training module, suitable for the road attribute data training road assessment arrived previously according to multiple automobile sample collections
Model；
First provides module, during being travelled in car terminals, road attribute data that car terminals are collected
It is supplied to road assessment models；
First determining module, suitable for determining road category corresponding with car terminals according to the output result of road assessment models
Property information；
Module is adjusted, suitable for road attribute information corresponding with car terminals is supplied to default premium Accounting Model,
The car insurance that car terminals are adjusted according to the output result of premium Accounting Model is taken；
Wherein, road attribute data include at least one of the following：Acceleration information, the camera of accelerometer output
The angular velocity data of camera data and the turn meter output of output.
According to another aspect of the invention, there is provided a kind of electronic equipment, including：Processor, memory, communication interface and
Communication bus, the processor, the memory and the communication interface complete mutual communication by the communication bus；
The memory is used to store an at least executable instruction, and it is above-mentioned that the executable instruction performs the processor
The corresponding operation of accounting method that car insurance is taken.
In accordance with a further aspect of the present invention, there is provided a kind of computer-readable storage medium, be stored with the storage medium to
A few executable instruction, the executable instruction make processor perform such as the corresponding behaviour of accounting method of above-mentioned car insurance expense
Make.
The accounting method and device of vehicle according to the invention insurance premium, by training road assessment models, and in vapour
Car terminal is run in journey, and the road attribute data that car terminals collect are supplied to road assessment models；Commented according to road
The output result for estimating model determines road attribute information corresponding with car terminals；So as to will road corresponding with car terminals
Road attribute information is supplied to default premium Accounting Model, and then adjusts car terminals according to the output result of premium Accounting Model
Car insurance take.According to this method, the traffic information of vehicle travel can be comprehensively obtained, is then based on the car obtained
The traffic information of travel calculates the insurance premium for vehicle of accepting insurance.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And can be practiced according to the content of specification, and in order to allow above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by the embodiment of the present invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, it is various other the advantages of and benefit it is common for this area
Technical staff will be clear understanding.Attached drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And in whole attached drawing, identical component is denoted by the same reference numerals.In the accompanying drawings：
Fig. 1 shows the flow chart of the accounting method of car insurance expense provided by one embodiment of the present invention；
Fig. 2 shows the flow chart of the accounting method for the car insurance expense that another embodiment of the present invention provides；
Fig. 3 shows the output result and part assessment models of the part assessment models provided according to one embodiment of the application
Input information comparison figure；
Fig. 4 shows the functional block diagram of the accounting device of car insurance expense provided by one embodiment of the present invention；
Fig. 5 shows the functional block diagram of the accounting device for the car insurance expense that another embodiment of the present invention provides；
Fig. 6 shows the structure diagram of a kind of electronic equipment according to embodiments of the present invention.
Embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
Fig. 1 shows the flow chart of the accounting method of car insurance expense provided by one embodiment of the present invention.Such as Fig. 1 institutes
Show, this method comprises the following steps：
Step S101：Road assessment models are trained previously according to the road attribute data that multiple automobile sample collections are arrived.
Road attribute data include but not limited at least one of the following：The acceleration information of accelerometer output, take the photograph
The angular velocity data that the camera data and turn meter exported as head exports.Wherein it is possible to added according to what accelerometer exported
Speed data judges whether automobile needs frequent brake deceleration or step on the gas to be accelerated, so as to judge whether road puts down
Whole and other traffic informations.It can identify there are hollow, obstacle in which place on road according to the camera data that camera exports
Place, the traffic informations such as which road conditions is poor, which local road conditions is relatively good.When automobile needs to turn or be absorbed in hole
Depression needs to shake around a certain central point, and the angular velocity data of turn meter output at this time can change, so that root
The angular velocity data exported according to turn meter can obtain the situation of turning of automobile, information and others at the hollow on road
Traffic information；Above-mentioned turn meter can be that gyroscope can also be other types of turn meter.Above-mentioned accelerometer, angle speed
Degree meter can be loaded in vehicle-mounted T-Box, can also be loaded in other automobile components.Except above-mentioned road attribute data,
It can also include other road attribute data, the one kind that differs herein is stated.
In this step, road assessment models, and the road that will be arrived previously according to multiple automobile sample collections are built first
Attribute data is input in road assessment models, road assessment models is trained using substantial amounts of road attribute data, with to road
The structure and parameter of assessment models is adjusted.
Step S102：During car terminals traveling, the road attribute data that car terminals collect are supplied to
Road assessment models.
Car terminals travel during, by the accelerometer set on the car terminals output acceleration information,
The camera data of camera output, the angular velocity data of turn meter output and other road attribute data are supplied to road to comment
Model is estimated so that road assessment models are analyzed and export result.
Step S103：Road attribute information corresponding with car terminals is determined according to the output result of road assessment models.
Then the road attribute data of above-mentioned offer can be carried out by pre-setting threshold value in road assessment models
Analyze and be compared with pre-set threshold value, so as to obtain road attribute information evaluation result.Except aforesaid way, may be used also
To obtain the output of road assessment models as a result, then road assessment models further export road category according in a manner of other
Property information evaluation result simultaneously determines road attribute information corresponding with car terminals according to the output result of road assessment models, from
And judge the traffic information of car terminals road where journey is run over.
Step S104：Road attribute information corresponding with car terminals is supplied to default premium Accounting Model, according to
The car insurance that the output result of premium Accounting Model adjusts car terminals is taken.
Wherein, road attribute information can include：The type information of road, for example, for road class of mating formation, backroad class,
The road types such as hill path class；The whether flat information of road, for example whether hollow is relatively more or relatively flat for road；Specifically
Information and the information of the barrier on road at where hollow.Road attribute information is in addition to it can include above- mentioned information, also
It can include other information., will be with car terminals pair after above-mentioned road attribute information corresponding with car terminals is obtained
The road attribute information answered is supplied to default premium Accounting Model, and it is whole to adjust automobile according to the output result of premium Accounting Model
The car insurance at end is taken.In addition, above-mentioned road assessment models and/or premium Accounting Model can be stored on Cloud Server.
The accounting method and device taken according to car insurance provided in this embodiment, by training road assessment models,
And during car terminals traveling, the road attribute data that car terminals collect are supplied to road assessment models；According to
The output result of road assessment models determines road attribute information corresponding with car terminals；So as to will be with car terminals pair
The road attribute information answered is supplied to default premium Accounting Model, and then adjusts vapour according to the output result of premium Accounting Model
The car insurance of car terminal is taken.According to this method, the traffic information of vehicle travel can be comprehensively obtained, is then based on obtaining
The traffic information of the vehicle travel taken calculates the insurance premium for vehicle of accepting insurance.
Fig. 2 shows the flow chart of the accounting method of the car insurance expense of the offer of another embodiment of the present invention.Such as Fig. 2
Shown, this method comprises the following steps：
Step S201：Road assessment models are trained previously according to the road attribute data that multiple automobile sample collections are arrived.
Specifically, road attribute data include but not limited at least one of the following：The acceleration of accelerometer output
The angular velocity data of data, the camera data of camera output and turn meter output.It is wherein it is possible to defeated according to accelerometer
The acceleration information gone out judges whether automobile needs frequent brake deceleration or step on the gas to be accelerated, so as to judge road
Whether smooth and other traffic information.It can identify there is hole in which place on road according to the camera data that camera exports
At hollow, obstacle, the traffic informations such as which road conditions is poor, which local road conditions is relatively good.When automobile need turn or
Person, which is absorbed at hollow, to be needed to shake around a certain central point, and the angular velocity data of turn meter output at this time can change
Become, so as to can obtain the situation of turning of automobile according to the angular velocity data that turn meter exports, believe at the hollow on road
Breath and other traffic informations；Above-mentioned turn meter can be that gyroscope can also be other types of turn meter.It is above-mentioned to add
Speedometer, turn meter can be loaded in vehicle-mounted T-Box, can also be loaded in other automobile components.Except above-mentioned road
Road attribute data, can also include other road attribute data, and the one kind that differs herein is stated.In this step, build first
Road assessment models, and by previously according to multiple automobile sample collections to road attribute data be input in road assessment models,
Road assessment models are trained using substantial amounts of road attribute data, are adjusted with the structure and parameter to road assessment models.
Step S202：During car terminals traveling, the road attribute data that car terminals collect are supplied to
Road assessment models.
Car terminals travel during, by the accelerometer set on the car terminals output acceleration information,
The camera data of camera output, the angular velocity data of turn meter output and other road attribute data are supplied to road to comment
Estimate model.
Step S203：Road attribute information corresponding with car terminals is determined according to the output result of road assessment models.
Then the road attribute data of above-mentioned offer can be carried out by pre-setting threshold value in road assessment models
Analyze and be compared with pre-set threshold value, so as to obtain road attribute information evaluation result.Except aforesaid way, may be used also
To obtain the output of road assessment models as a result, then road assessment models further export road category according in a manner of other
Property information evaluation result simultaneously determines road attribute information corresponding with car terminals according to the output result of road assessment models, from
And judge the traffic information of car terminals road where journey is run over.
Step S204：Road attribute information is supplied to default parts assessment models, according to parts assessment models
Output result determine the part life information of car terminals.
Wherein, the input information of above-mentioned parts assessment models includes but not limited at least one of the following：Road category
Property information, humidity information, temperature information and frequency of use information, distance travelled information etc..Fig. 3 is shown according to the application
The comparison figure of the output result for the part assessment models that one embodiment provides and the input information of part assessment models.Such as figure
Shown in 3, influence auto parts and components A service life because being known as road type, humidity, temperature, frequency of use.As shown in figure 3,
If road downward driving of mating formation, the temperature of working environment be 90 DEG C, humidity be relatively dry and expendable situation once in a while
Under, the highest service life of auto parts and components A is 10 years.If backroad downward driving, the temperature of working environment for 60 DEG C,
In the case that humidity is drying and uses once for 1 day, the highest service life of auto parts and components A is 8 years.If in mountain area
Road downward driving, the temperature of working environment are 50 DEG C, humidity is zero, automobile in the case of relatively moistening and using repeatedly for 1 day
The highest service life of part A is 5 years.If other road conditions, humidity, temperature and frequency of use can be obtained with reference to Fig. 3
Go out a time limit scope, no longer describe one by one herein.It should be noted that in order to which the present embodiment is better described, shown in Fig. 3
Parts A is the pass of exemplary zero component, the output result of its part assessment models and the input information of part assessment models
System is also only exemplary relation.
Step S205：Judge whether part life information meets default alarm regulation, if so, then generating warning information.
Automobile influences the longevity of traffic safety and vehicle during traveling due to the damage of parts in order to prevent
Life, it is necessary to check and it is replaced in advance within the service life time limit of parts, it is possible to pre-set alarm
Rule.According to the life information of different parts in different operating environments, different alarm regulations can be preset.Such as
Road downward driving, the temperature of working environment of mating formation are 90 DEG C, humidity is zero in the case of relatively dry and expendable once in a while
The service life time limit of part A is 10 years, then presets alarm regulation and could be provided as in the lifespan of parts A being 8 years or 9 years
When user is alerted.If the lifespans of parts A at this time are 9 years, by the life information for judging parts A
Meet default alarm regulation, warning information can be generated at this time to remind user to check in time and replace parts A.
Step S206：Behavior evaluation model is trained previously according to the behavior property data that multiple automobile sample collections are arrived.
Wherein, behavior property data include but not limited at least one of the following：Brake data, turning data, suddenly add
Fast data, anxious deceleration data, spacing keep data, front truck crash data, rear car crash data etc..Wherein, data, the urgency of braking subtract
Fast data, urgency deceleration data can reflect whether driver often brakes during traveling, suddenly deceleration and anxious acceleration etc.
The behavioural habits of driving；The acceleration that above-mentioned brake data, anxious deceleration data, anxious deceleration data can be exported by accelerometer
Data obtain.Spacing keeps data, front truck crash data, rear car crash data to reflect that driver's spacing holding etc. drives
Behavioural habits；Above-mentioned spacing keeps the shooting number that data, front truck crash data, rear car crash data can be exported by camera
According to acquisition.The angular velocity data that turning data can be exported by turn meter obtains.In this step, structure behavior first is commented
Estimate model, and by previously according to multiple automobile sample collections to behavior property data be input in behavior evaluation model, utilize
Substantial amounts of behavior property data training behavior evaluation model, is adjusted with the structure and parameter to behavior evaluation model.
Step S207：During car terminals traveling, the behavior property data that car terminals collect are supplied to row
For assessment models.
, can be according to the acceleration number of degrees of the accelerometer output set on car terminals during car terminals travel
Brake data, turning data are obtained according to the angular velocity data of the camera data of, camera output, turn meter output, anxious are accelerated
Data, anxious deceleration data, spacing keep behavior property data and the others such as data, front truck crash data, rear car crash data
Behavior property data；So as to which the behavior property data that above-mentioned car terminals collect are supplied to behavior evaluation model, with supply
Behavior evaluation model is analyzed and exports result.
Step S208：Driving behavior information corresponding with car terminals is determined according to the output result of behavior evaluation model.
Driving behavior information corresponding with car terminals can be determined according to the output result of behavior evaluation model.Wherein,
Driving behavior information include but not limited to it is following at least in one kind：It is anxious to accelerate behavioural information, anxious deceleration behavioural information, row of turning
Behavioural information, front truck collision behavior information, rear car collision behavior information etc., above-mentioned driving behavior information are kept for information, spacing
All reflect the driving habit of driver.
Step S209：Will road attribute information corresponding with car terminals, part life information and driving behavior letter
Breath is supplied to default premium Accounting Model, and the car insurance of car terminals is adjusted according to the output result of premium Accounting Model
Take.
The corresponding road attribute information of car terminals and part life information can be supplied to default premium core
Model is calculated, the car insurance that car terminals are adjusted according to the output result of premium Accounting Model is taken.Can also will be with car terminals
Corresponding road attribute information, part life information and driving behavior information are supplied to default premium Accounting Model, root
The car insurance that car terminals are adjusted according to the output result of premium Accounting Model is taken.The purpose of this step is composite vehicle terminal
The factor of the various aspects such as corresponding road attribute information, part life information and driving behavior information core more fully hereinafter
Calculate the car insurance expense of car terminals.In addition, above-mentioned road assessment models, behavior evaluation model, premium Accounting Model can be with
It is stored on Cloud Server.
The accounting method taken according to car insurance provided in this embodiment, passes through training road assessment models and will be in automobile
Terminal is run in journey, and the road attribute data that car terminals collect are supplied to road assessment models, so as to be commented according to road
The output result for estimating model determines road attribute information corresponding with car terminals, can also be further based on road attribute information
The part life information of car terminals is obtained, according to above-mentioned road attribute information and the part life information energy of car terminals
The traffic information of vehicle travel and the service life information of vehicle component are enough obtained, by above-mentioned road attribute information and vapour
The part life information of car terminal is supplied to insurance Accounting Model to calculate insurance company and accepts insurance the insurance premium of vehicle.
In order to more fully calculate the insurance premium for vehicle of accepting insurance, behavior evaluation model is further trained, it is then that automobile is whole
Behavior property data during the traveling of end are supplied to behavior evaluation model so as to the knot exported according to behavior evaluation model
Fruit determines driving behavior information corresponding with car terminals, then further calculates car terminals with reference to driving behavior information
Car insurance take.According to the above method, the traffic information of road, the longevity of vehicle component where can comprehensively obtaining vehicle
Information and the behavioural habits information of driver etc. are ordered, so as to accurately calculate the insurance premium for vehicle of accepting insurance.
Fig. 4 shows the structure diagram of a kind of electronic equipment according to embodiments of the present invention.As shown in figure 4, the device
Including：First training module 401, first provides module 402, the first determining module 403, adjusts module 404.Wherein,
First training module 401, the road attribute data suitable for being arrived previously according to multiple automobile sample collections train road
Assessment models；
First provides module 402, during being travelled in car terminals, road category that the car terminals are collected
Property data are supplied to the road assessment models；
First determining module 403, suitable for being determined and the car terminals according to the output result of the road assessment models
Corresponding road attribute information；
Module 404 is adjusted, suitable for the road attribute information corresponding with the car terminals is supplied to default guarantor
Take Accounting Model, the car insurance that the car terminals are adjusted according to the output result of the premium Accounting Model is taken；
Wherein, the road attribute data include at least one of the following：The acceleration information of accelerometer output, take the photograph
The angular velocity data that the camera data and turn meter exported as head exports.
Fig. 5 shows the structure diagram of a kind of electronic equipment according to embodiments of the present invention.As shown in figure 5, the device
Including：First training module 501, first provides module 502, the first determining module 503, the second determining module 504, judgment module
505th, the second training module 506, second provides module 507, the 3rd determining module 508, adjusts module 509.
Wherein, the first training module 501, suitable for the road attribute data training arrived previously according to multiple automobile sample collections
Road assessment models.
Specifically, road attribute data include but not limited at least one of the following：The acceleration of accelerometer output
The angular velocity data of data, the camera data of camera output and turn meter output.It is wherein it is possible to defeated according to accelerometer
The acceleration information gone out judges whether automobile needs frequent brake deceleration or step on the gas to be accelerated, so as to judge road
Whether smooth and other traffic information.It can identify there is hole in which place on road according to the camera data that camera exports
At hollow, obstacle, the traffic informations such as which road conditions is poor, which local road conditions is relatively good.When automobile need turn or
Person, which is absorbed at hollow, to be needed to shake around a certain central point, and the angular velocity data of turn meter output at this time can change
Become, so as to can obtain the situation of turning of automobile according to the angular velocity data that turn meter exports, believe at the hollow on road
Breath and other traffic informations；Above-mentioned turn meter can be that gyroscope can also be other types of turn meter.It is above-mentioned to add
Speedometer, turn meter can be loaded in vehicle-mounted T-Box, can also be loaded in other automobile components.Except above-mentioned road
Road attribute data, can also include other road attribute data, and the one kind that differs herein is stated.First training module first, 501 structure
Build out road assessment models, and by previously according to multiple automobile sample collections to road attribute data be input to road assessment mould
In type, road assessment models are trained using substantial amounts of road attribute data, to be carried out to the structure and parameter of road assessment models
Adjustment.
First provides module 502, during being travelled in car terminals, road attribute number that car terminals are collected
According to being supplied to road assessment models.
During car terminals travel, the first offer module 502 is defeated by the accelerometer set on the car terminals
Acceleration information, the camera data of camera output, the angular velocity data of turn meter output and the other road attributes gone out
Data are supplied to road assessment models.
First determining module 503, suitable for determining road corresponding with car terminals according to the output result of road assessment models
Road attribute information.
Then the road attribute data of above-mentioned offer can be carried out by pre-setting threshold value in road assessment models
Analyze and be compared with pre-set threshold value, so as to obtain road attribute information evaluation result.Except aforesaid way, may be used also
To obtain the output of road assessment models as a result, then road assessment models further export road category according in a manner of other
Property information evaluation as a result, the first determining module 503 determined according to the output result of road assessment models it is corresponding with car terminals
Road attribute information, so as to judge the traffic information of car terminals road where journey is run over.
Second determining module 504, suitable for road attribute information is supplied to default parts assessment models, according to zero
The output result of part assessment models determines the part life information of car terminals.
Wherein, the input information of above-mentioned parts assessment models includes but not limited at least one of the following：Road category
Property information, humidity information, temperature information and frequency of use information, distance travelled information etc..Fig. 3 is shown according to the application
The comparison figure of the output result for the part assessment models that one embodiment provides and the input information of part assessment models.Such as figure
Shown in 3, influence auto parts and components A service life because being known as road type, humidity, temperature, frequency of use.As shown in figure 3,
If road downward driving of mating formation, the temperature of working environment be 90 DEG C, humidity be relatively dry and expendable situation once in a while
Under, the highest service life of auto parts and components A is 10 years.If backroad downward driving, the temperature of working environment for 60 DEG C,
In the case that humidity is drying and uses once for 1 day, the highest service life of auto parts and components A is 8 years.If in mountain area
Road downward driving, the temperature of working environment are 50 DEG C, humidity is zero, automobile in the case of relatively moistening and using repeatedly for 1 day
The highest service life of part A is 5 years.If other road conditions, humidity, temperature and frequency of use can be obtained with reference to Fig. 3
Go out a time limit scope, no longer describe one by one herein.Road attribute information is supplied to default parts assessment models, second
Determining module 504 can determine the part life information of car terminals according to the output result of parts assessment models.Need
Illustrate, in order to which the present embodiment is better described, the parts A shown in Fig. 3 is exemplary zero component, its part assesses mould
The relation of the output result of type and the input information of part assessment models is also only exemplary relation.
Judgment module 505, suitable for judging whether part life information meets default alarm regulation, if so, then generation is accused
Alert information.
Automobile influences the longevity of traffic safety and vehicle during traveling due to the damage of parts in order to prevent
Life, it is necessary to check and it is replaced in advance within the service life time limit of parts, it is possible to pre-set alarm
Rule.According to the life information of different parts in different operating environments, different alarm regulations can be preset.Such as
Road downward driving, the temperature of working environment of mating formation are 90 DEG C, humidity is zero in the case of relatively dry and expendable once in a while
The service life time limit of part A is 10 years, then presets alarm regulation and could be provided as in the lifespan of parts A being 8 years or 9 years
When user is alerted.If the lifespans of parts A at this time are 9 years, judgment module 505 is by judging parts
The life information of A meets default alarm regulation, can generate warning information at this time to remind user to check in time and replace zero
Components A.
Second training module 506, the behavior property data suitable for being arrived previously according to multiple automobile sample collections train behavior
Assessment models.
Wherein, behavior property data include but not limited at least one of the following：Brake data, turning data, suddenly add
Fast data, anxious deceleration data, spacing keep data, front truck crash data, rear car crash data etc..Wherein, data, the urgency of braking subtract
Fast data, urgency deceleration data can reflect whether driver often brakes during traveling, suddenly deceleration and anxious acceleration etc.
The behavioural habits of driving；The acceleration that above-mentioned brake data, anxious deceleration data, anxious deceleration data can be exported by accelerometer
Data obtain.Spacing keeps data, front truck crash data, rear car crash data to reflect that driver's spacing holding etc. drives
Behavioural habits；Above-mentioned spacing keeps the shooting number that data, front truck crash data, rear car crash data can be exported by camera
According to acquisition.The angular velocity data that turning data can be exported by turn meter obtains.Second training module 506 builds row first
For assessment models, and by previously according to multiple automobile sample collections to behavior property data be input in behavior evaluation model,
Behavior evaluation model is trained using substantial amounts of behavior property data, is adjusted with the structure and parameter to behavior evaluation model.
Second provides module 507, during being travelled in car terminals, behavior property number that car terminals are collected
According to being supplied to behavior evaluation model.
, can be according to the acceleration number of degrees of the accelerometer output set on car terminals during car terminals travel
Brake data, turning data are obtained according to the angular velocity data of the camera data of, camera output, turn meter output, anxious are accelerated
Data, anxious deceleration data, spacing keep behavior property data and the others such as data, front truck crash data, rear car crash data
Behavior property data；So as to which the behavior property data that above-mentioned car terminals collect are supplied to behavior by the second offer module 507
Assessment models, are analyzed to supply behavior evaluation model and export result.
3rd determining module 508, suitable for determining drive corresponding with car terminals according to the output result of behavior evaluation model
Sail behavioural information.
3rd determining module 508 can determine driving corresponding with car terminals according to the output result of behavior evaluation model
Behavioural information.Wherein, driving behavior information include but not limited to it is following at least in one kind：It is anxious to accelerate behavioural information, anxious deceleration
Behavioural information, turning behavior information, spacing keep behavioural information, front truck collision behavior information, rear car collision behavior information etc., on
State the driving habit that driving behavior information all reflects driver.
Module 509 is adjusted, suitable for will road attribute information corresponding with car terminals, part life information and driving
Behavioural information is supplied to default premium Accounting Model, and the vehicle of car terminals is adjusted according to the output result of premium Accounting Model
Insurance premium.
The corresponding road attribute information of car terminals and part life information can be supplied to pre- by accounting module 509
If premium Accounting Model, according to the output result of premium Accounting Model adjust car terminals car insurance take.It can also incite somebody to action
Road attribute information corresponding with car terminals, part life information and driving behavior information are supplied to default premium core
Model is calculated, the car insurance that car terminals are adjusted according to the output result of premium Accounting Model is taken.The purpose of this step is comprehensive
Close the factor of the various aspects such as car terminals corresponding road attribute information, part life information and driving behavior information more
Add the car insurance expense for comprehensively calculating car terminals.In addition, above-mentioned road assessment models, behavior evaluation model, premium core
Calculating model can be stored on Cloud Server.
The accounting device taken according to car insurance provided in this embodiment, passes through training road assessment models and will be in automobile
Terminal is run in journey, and the road attribute data that car terminals collect are supplied to road assessment models, so as to be commented according to road
The output result for estimating model determines road attribute information corresponding with car terminals, can also be further based on road attribute information
The part life information of car terminals is obtained, according to above-mentioned road attribute information and the part life information energy of car terminals
The traffic information of vehicle travel and the service life information of vehicle component are enough obtained, by above-mentioned road attribute information and vapour
The part life information of car terminal is supplied to insurance Accounting Model to calculate insurance company and accepts insurance the insurance premium of vehicle.
In order to more fully calculate the insurance premium for vehicle of accepting insurance, behavior evaluation model is further trained, it is then that automobile is whole
Behavior property data during the traveling of end are supplied to behavior evaluation model so as to the knot exported according to behavior evaluation model
Fruit determines driving behavior information corresponding with car terminals, then further calculates car terminals with reference to driving behavior information
Car insurance take.According to above device, the traffic information of road, the longevity of vehicle component where can comprehensively obtaining vehicle
Information and the behavioural habits information of driver etc. are ordered, so as to accurately calculate the insurance premium for vehicle of accepting insurance.
As shown in fig. 6, the electronic equipment can include：Processor (processor) 602, communication interface
(Communications Interface) 604, memory (memory) 606 and communication bus 608.
Wherein：
Processor 602, communication interface 604 and memory 606 complete mutual communication by communication bus 608.
Communication interface 604, for communicating with the network element of miscellaneous equipment such as client or other servers etc..
Processor 602, for executive program 610, can specifically perform the collision processing method embodiment of above-mentioned robot
In correlation step.
Specifically, program 510 can include program code, which includes computer-managed instruction.
Processor 602 is probably central processor CPU, or specific integrated circuit ASIC (Application
Specific Integrated Circuit), or be arranged to implement the embodiment of the present invention one or more integrate electricity
Road.The one or more processors that electronic equipment includes, can be same type of processors, such as one or more CPU；Also may be used
To be different types of processor, such as one or more CPU and one or more ASIC.
Memory 606, for storing program 610.Memory 606 may include high-speed RAM memory, it is also possible to further include
Nonvolatile memory (non-volatile memory), for example, at least a magnetic disk storage.
Program 610 specifically can be used for so that processor 602 performs following operation：
Road assessment models are trained previously according to the road attribute data that multiple automobile sample collections are arrived；
During car terminals traveling, it is supplied to road to assess mould the road attribute data that car terminals collect
Type；
Road attribute information corresponding with car terminals is determined according to the output result of road assessment models；Will be whole with automobile
Hold corresponding road attribute information to be supplied to default premium Accounting Model, vapour is adjusted according to the output result of premium Accounting Model
The car insurance of car terminal is taken；
Wherein, road attribute data include at least one of the following：Acceleration information, the camera of accelerometer output
The angular velocity data of camera data and the turn meter output of output.
In a kind of optional mode, program 610 can specifically be further used for so that processor 602 performs following behaviour
Make：
The road attribute information is supplied to default parts assessment models, according to the parts assessment models
Output result determines the part life information of the car terminals；
It is then described that the road attribute information corresponding with the car terminals is supplied to default premium Accounting Model
The step of specifically include：
The road attribute information corresponding with the car terminals and the part life information are supplied to pre-
If premium Accounting Model；
Wherein, the input information of the parts assessment models includes at least one of the following：It is road attribute information, wet
Spend information, temperature information and frequency of use information.
In a kind of optional mode, program 610 can specifically be further used for so that processor 602 performs following behaviour
Make：
Judge whether the part life information meets default alarm regulation, if so, then generating warning information.
In a kind of optional mode, program 610 can specifically be further used for so that processor 602 performs following behaviour
Make：Behavior evaluation model is trained previously according to the behavior property data that multiple automobile sample collections are arrived；
During car terminals traveling, the behavior property data that the car terminals collect are supplied to the behavior
Assessment models；
Driving behavior information corresponding with the car terminals is determined according to the output result of the behavior evaluation model；
It is then described that the road attribute information corresponding with the car terminals is supplied to default premium Accounting Model
The step of specifically include：
Will road attribute information corresponding with the car terminals, the part life information and the driving
Behavioural information is supplied to default premium Accounting Model；
Wherein, the behavior property data include at least one of the following：Brake data, turning data.
In a kind of optional mode, program 610 can specifically be further used for so that processor 602 performs following behaviour
Make：
The road assessment models and/or the premium Accounting Model are stored on Cloud Server.
Algorithm and display be not inherently related to any certain computer, virtual system or miscellaneous equipment provided herein.
Various general-purpose systems can also be used together with teaching based on this.As described above, required by constructing this kind of system
Structure be obvious.In addition, the present invention is not also directed to any certain programmed language.It should be understood that it can utilize various
Programming language realizes the content of invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the specification that this place provides, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention
Example can be put into practice in the case of these no details.In some instances, known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this description.
Similarly, it will be appreciated that in order to simplify the disclosure and help to understand one or more of each inventive aspect,
Above in the description to the exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention：I.e. required guarantor
The application claims of shield features more more than the feature being expressly recited in each claim.It is more precisely, such as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following embodiment are expressly incorporated in the embodiment, wherein each claim is in itself
Separate embodiments all as the present invention.
Those skilled in the art, which are appreciated that, to carry out adaptively the module in the equipment in embodiment
Change and they are arranged in one or more equipment different from the embodiment.Can be the module or list in embodiment
Member or component be combined into a module or unit or component, and can be divided into addition multiple submodule or subelement or
Sub-component.In addition at least some in such feature and/or process or unit exclude each other, it can use any
Combination is disclosed to all features disclosed in this specification (including adjoint claim, summary and attached drawing) and so to appoint
Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification (including adjoint power
Profit requires, summary and attached drawing) disclosed in each feature can be by providing the alternative features of identical, equivalent or similar purpose come generation
Replace.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included some features rather than further feature, but the combination of the feature of different embodiments means in of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
One of meaning mode can use in any combination.
The all parts embodiment of the present invention can be with hardware realization, or to be run on one or more processor
Software module realize, or realized with combinations thereof.It will be understood by those of skill in the art that it can use in practice
Microprocessor or digital signal processor (DSP) are realized in the charging unit of electric automobile according to embodiments of the present invention
The some or all functions of some or all components.The present invention is also implemented as being used to perform method as described herein
Some or all equipment or program of device (for example, computer program and computer program product).Such reality
The program of the existing present invention can store on a computer-readable medium, or can have the form of one or more signal.
Such signal can be downloaded from internet website and obtained, and either be provided or in the form of any other on carrier signal
There is provided.
It should be noted that the present invention will be described rather than limits the invention for above-described embodiment, and ability
Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference symbol between bracket should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of some different elements and being come by means of properly programmed computer real
It is existing.In if the unit claim of equipment for drying is listed, several in these devices can be by same hardware branch
To embody.The use of word first, second, and third does not indicate that any order.These words can be explained and run after fame
Claim.
Claims (12)
- A kind of 1. accounting method that car insurance is taken, it is characterised in that including：Road assessment models are trained previously according to the road attribute data that multiple automobile sample collections are arrived；During car terminals traveling, it is supplied to the road to assess the road attribute data that the car terminals collect Model；Road attribute information corresponding with the car terminals is determined according to the output result of the road assessment models；The road attribute information corresponding with the car terminals is supplied to default premium Accounting Model, according to the guarantor The output result for taking Accounting Model adjusts the car insurance expense of the car terminals；Wherein, the road attribute data include at least one of the following：Acceleration information, the camera of accelerometer output The angular velocity data of camera data and the turn meter output of output.
- 2. according to the method described in claim 1, it is characterized in that, the output result according to the road assessment models is true After the step of fixed road attribute information corresponding with the car terminals, further comprise：The road attribute information is supplied to default parts assessment models, according to the output of the parts assessment models As a result the part life information of the car terminals is determined；The then step that the road attribute information corresponding with the car terminals is supplied to default premium Accounting Model Suddenly specifically include：The road attribute information corresponding with the car terminals and the part life information are supplied to default Premium Accounting Model；Wherein, the input information of the parts assessment models includes at least one of the following：Road attribute information, humidity letter Breath, temperature information and frequency of use information.
- 3. the according to the method described in claim 2, it is characterized in that, output result according to the parts assessment models After the step of determining the part life information of the car terminals, further comprise：Judge whether the part life information meets default alarm regulation, if so, then generating warning information.
- 4. according to the method in claim 2 or 3, it is characterised in that the method is further included：Behavior evaluation model is trained previously according to the behavior property data that multiple automobile sample collections are arrived；During car terminals traveling, the behavior property data that the car terminals collect are supplied to the behavior evaluation Model；Driving behavior information corresponding with the car terminals is determined according to the output result of the behavior evaluation model；The then step that the road attribute information corresponding with the car terminals is supplied to default premium Accounting Model Suddenly specifically include：Will road attribute information corresponding with the car terminals, the part life information and the driving behavior Information is supplied to default premium Accounting Model；Wherein, the behavior property data include at least one of the following：Brake data, turning data.
- 5. according to the method described in claim 1, it is characterized in that, the road assessment models and/or the premium adjust mould Type is stored on Cloud Server.
- A kind of 6. accounting device that car insurance is taken, it is characterised in that including：First training module, suitable for the road attribute data training road assessment mould arrived previously according to multiple automobile sample collections Type；First provides module, during being travelled in car terminals, road attribute data that the car terminals are collected It is supplied to the road assessment models；First determining module, suitable for determining road corresponding with the car terminals according to the output result of the road assessment models Road attribute information；Module is adjusted, suitable for being supplied to default premium to adjust mould the road attribute information corresponding with the car terminals Type, the car insurance that the car terminals are adjusted according to the output result of the premium Accounting Model are taken；Wherein, the road attribute data include at least one of the following：Acceleration information, the camera of accelerometer output The angular velocity data of camera data and the turn meter output of output.
- 7. device according to claim 6, it is characterised in that described device further includes the second determining module, and described second Determining module is suitable for：The road attribute information is supplied to default parts assessment models, according to the output of the parts assessment models As a result the part life information of the car terminals is determined；Module is then adjusted to be further adapted for：The road attribute information corresponding with the car terminals and the part life information are supplied to default Premium Accounting Model；Wherein, the input information of the parts assessment models includes at least one of the following：Road attribute information, humidity letter Breath, temperature information and frequency of use information.
- 8. device according to claim 7, it is characterised in that described device further includes：Judgment module, the judgment module It is suitable for：Judge whether the part life information meets default alarm regulation, if so, then generating warning information.
- 9. the device according to claim 7 or 8, it is characterised in that described device further includes：Second training module, the behavior property data suitable for being arrived previously according to multiple automobile sample collections train behavior evaluation mould Type；Second provides module, during being travelled in car terminals, behavior property data that the car terminals are collected It is supplied to the behavior evaluation model；3rd determining module, determines that drive corresponding with the car terminals is gone according to the output result of the behavior evaluation model For information；Module is then adjusted to be further adapted for：Will road attribute information corresponding with the car terminals, the parts longevity Life information and the driving behavior information are supplied to default premium Accounting Model；Wherein, the behavior property data include at least one of the following：Brake data, turning data.
- 10. device according to claim 6, it is characterised in that the road assessment models and/or the premium adjust mould Type is stored on Cloud Server.
- 11. a kind of electronic equipment, including：Processor, memory, communication interface and communication bus, the processor, the storage Device and the communication interface complete mutual communication by the communication bus；The memory is used to store an at least executable instruction, and the executable instruction makes the processor perform right such as will Ask the corresponding operation of accounting method that the car insurance any one of 1-5 is taken.
- 12. a kind of computer-readable storage medium, an at least executable instruction, the executable instruction are stored with the storage medium Processor is set to perform the corresponding operation of accounting method that the car insurance as any one of claim 1-5 is taken.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201711394540.2A CN107977896A (en) | 2017-12-21 | 2017-12-21 | The accounting method and device that car insurance is taken |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711394540.2A CN107977896A (en) | 2017-12-21 | 2017-12-21 | The accounting method and device that car insurance is taken |
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Cited By (1)
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