CN108320232A - Insurance coverage of driving a vehicle generates system and method - Google Patents
Insurance coverage of driving a vehicle generates system and method Download PDFInfo
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- CN108320232A CN108320232A CN201810106187.1A CN201810106187A CN108320232A CN 108320232 A CN108320232 A CN 108320232A CN 201810106187 A CN201810106187 A CN 201810106187A CN 108320232 A CN108320232 A CN 108320232A
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- insurance
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- vehicle
- declaration form
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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
One driving insurance coverage generation method, including：A. a data are collected；B. a database is connected；C. the data are analyzed and obtain risk assessment；D. insurance business is provided according to risk assessment；And E. generates corresponding declaration form according to the relationship of insuring of insurance business, and request confirmation, the wherein described data are provided by a sensor ends of vehicle, the wherein described sensor ends are device in vehicle so that vehicle condition are directly reacted by the data, wherein the data-base recording and preserving the data, it is used for analysis, the declaration form wherein generated is accordingly provided to insurer, if insurer confirms that declaration form, insurance relationship are determined.
Description
Technical field
The present invention relates to a kind of driving insurance coverages to generate system and method, believes in particular according to vehicle data and driving side
The personalized system and method for generating declaration form of breath.
Background technology
Traffic safety be drive to go on a journey it is most important, for this purpose, trip side can all need insurance business.Insurance coverage is not only
Guarantee when to Mechanical Help, the even more guarantee to taking people.Requirement in addition to official to insurance coverage, many driving sides are also another
Additional insurance business is handled in outer selection.
Currently, many in traditional insurance business is all Templated operation.But everyone demand to trip and go out
Capable custom is all different, then still will appear problem using Templated declaration form.Moreover, this is for insurance company and throwing
Fairness between guarantor needs to be conferred.The reason of many insurers distrust insurance company is also in that declaration form is all mould
Plate, and be one-side.These mistrustful sources also have declaration form according to opaque equal other reasons.
Normally, traditional insurance generally binds car owner and vehicle.Often add an insurer to need to carry out not
Same agreement.The insurance of car owner and non-car owners are different.But when daily traveling or accident occur, insurer is not
Definitely driving side.It is also needed to be considered for how carrying out judgement according to different situations, machine-made can not be used same
The template of sample.But cost of the high-end customization for insurance company is too high.A kind of is more reasonably by official
Traffic data judges.Maintenance history by driving side's record violating the regulations or vehicle etc. is estimated.But this method is
It is also required to what driving side was bound with vehicle.
Everyone is also not necessarily driving side in trip.Especially the trips form such as drive in windward driving, net about vehicle, generation
In, it is difficult to define the insurance information for taking people.In the case of these, seating side lacks insurance instead, but is difficult if insuring
It is determined according to traditional insurance business.Certainly, the situation in automatic Pilot is also such.It is to be held by vehicle or seating people
It undertakes the responsibility, it is difficult to demonstrate.
For vehicle, different people drives, and the risk of appearance is also different.Such as the trip mode hired a car.
Because people can be to familiar through normally opened vehicle, needs of changing trains suddenly adapt to.That is, experienced people also may be used
High risk can be will appear.Although can all carry out certain inspection and record before and after hiring a car, because using traditional people at present
Work examines the form of vehicle, inevitably there is careless omission.But people is that can illustrate certain problem to the operating habit of vehicle.Moreover, vehicle
Situation, reaction be also to have available place to insurance business.
Vehicle, driving side when how for trip every time, seating people generate insurance business accordingly so that this insurance
Rationally, it is all good for insurance company and insurer both sides.Moreover, the generation of short-period each insurance coverage needs
Reduce cost to the greatest extent, generation foundation is transparent as possible, can promote the development of trip insurance business, is carried for more people and vehicle
For helping.
Invention content
It is an object of the present invention to provide a kind of driving insurance coverages to generate system and method, according to vehicle data and
The information personalized generation declaration form in driving side, by data analysis and process for the different insurance item of different insurance period-producers
Mesh.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, is extracted from vehicle
Direct driving behavior data obtain information of the driving side to vehicle operating by vehicle data, and then analyze driving side and driving
The case where crossing journey.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, to vehicle data and
Relationship between the information of driving side is analyzed, and is stored data in database, accurately and reliably driving vehicle
Sail situation grasp.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, according to vehicle data
The insurance business of production is recorded in database, and resource is provided for subsequent analysis so that the insurance business and declaration form of production meet
It is required that.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, according to vehicle data
It is inquired in database, obtains satisfactory insurance relationship, can also simultaneously consider other information, obtained most rationally
Insurance relationship.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, in database
There is no rational insurance relationship that will produce corresponding insurance relationship into edlin according to vehicle data and driving side's information so as to protect
The case where dangerous business meets vehicle.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, according to data analysis
As a result, limitedly provide multiple insurance businesses, and face different policy-holders, generate the declaration form of corresponding insurance business, make
It obtains and comprehensively considers interests multi-party in insurance business, rational declaration form is provided as much as possible.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, because being adopted from vehicle
Collect and consider the state of traveling, and driving side is not limited to people or machinery, is adapted to a variety of different driver patterns.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, makes full use of vehicle
Data find vehicle-state most recently, reduce the trouble of hand inspection and verification so that the whole cost drop for generating declaration form
It is low.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, using database,
And the history of data and information, fed back in conjunction with different requirement, find most suitable insurance business, by extensive data according to
According to obtaining reliable result.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, for insurance business
The foundation of generation is optionally provided, and disclosed information is provided for insurer so that the declaration form confidence level of generation enhances.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, optionally in data
The declaration form format of different insurance relationships is recorded in library, each analysis result is matched according to existing declaration form so that analysis and
The speed of production is accelerated.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, coordinates data update
Speed, management and control is carried out to the data that data analysis and declaration form generate so that the declaration form timeliness of generation enhances.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, low for matching degree
Insurance business new declaration form format is provided, and be recorded in database so that generate system and flow and method self-renewing and complete
It is kind.
It is another object of the present invention to provide a kind of driving insurance coverages to generate system and method, the insurance provided
Business towards other seating people in addition to that towards car owner and driving side, can also provide business of insuring so that insure the range of covering
More extensively, the different aspect in traveling is comprehensively ensured.
One side under this invention, the present invention further provides a driving insurance coverage generation methods, including：
A. a data are collected；
B. a database is connected；
C. the data are analyzed and obtain risk assessment；
D. insurance business is provided according to risk assessment；And
E. corresponding declaration form, and request confirmation are generated according to the relationship of insuring of insurance business,
The wherein described data are provided by a sensor ends of vehicle, wherein the sensor ends are device in vehicle so that pass through
The data directly react vehicle condition, wherein the data-base recording and preserving the data, are used for analysis, wherein raw
At declaration form be accordingly provided to insurer, if insurer confirms declaration form, insurance relationship is determined.
According to one embodiment of present invention, the sensor ends are electronic device in vehicle, and by network by the number
According to offer.
According to one embodiment of present invention, situation of insuring is analyzed according to the assessment result of step C, and then adapted to
The particular content of insurance business is obtained to property,
According to one embodiment of present invention, step A further comprises：
A1 is associated with the data and driving side's information,
Wherein described driving side's information is vehicle car owner, driving side and the once moving operation of drive the cross vehicle in insurance
Information, wherein the specific source of driving side's information be it is below at least one：The database, official's platform, mould
Quasi- assessment.
According to one embodiment of present invention, consideration driving side's information will be formed the assessment in step C good
It influences.
According to one embodiment of present invention, the input of the analysis of step C is the data and driving side's information, warp
The relationship and clearing form being calculated in insurance business are crossed, according to insurance business and then generates declaration form.
According to one embodiment of present invention, the insurance business that step D is provided obtains between insurance company and insurer
Relationship, wherein insurer be in particular it is below at least one：Vehicle car owner, driving side, passenger.
According to one embodiment of present invention, step C to E is handled by an analysis end, by an interaction end by production
Declaration form provides and request confirmation.
According to one embodiment of present invention, the insurance business provided is at least two, wherein in the request confirmation of step E
Before, further comprise：
E1 selects one kind from least two insurance businesses, so etc. it is to be confirmed.
According to one embodiment of present invention, if declaration form is identified, the contractual relation of insurance business is set up.
According to one embodiment of present invention, it if declaration form is not identified, and needs to change, then the method is further
Including：
Return to step A is needed according to feedback,
It wherein adaptively modifies at least one in step A, B or C, then insurance business and declaration form is provided.
According to one embodiment of present invention, the period of the data of step A is changed.
According to one embodiment of present invention, the source of the data in step A and driving side's information is changed.
According to one embodiment of present invention, the database in step B is updated.
According to one embodiment of present invention, the analysis calculation of step C is changed.
According to one embodiment of present invention, the analysis calculating parameter of step C is changed.
Other side under this invention, the system for the insurance coverage generation that is suitable for driving a vehicle the present invention further provides one,
Including：
One sensor ends；
One database；
One analysis end；And
One interaction end, wherein the sensor ends, the database, the analysis end and the interaction end can mutually communicate
Ground connects, wherein the sensor ends collect a data, wherein the analysis end connects the database and the sensor ends, according to
The data analysis obtain risk assessment and provide correspondingly insurance business, wherein insurance business are provided and are asked by the interaction end
Ask confirmation.
Description of the drawings
Fig. 1 is driving insurance coverage generation system and method vehicle number according to a preferred embodiment of the present invention
According to flow diagram.
Fig. 2 is that the driving insurance coverage of above preferred embodiment according to the present invention generates data in system and method
With acquisition of information schematic diagram.
Fig. 3 is that the driving insurance coverage of above preferred embodiment according to the present invention generates data in system and method
Obtain schematic diagram.
Fig. 4 is that the driving insurance coverage of above preferred embodiment according to the present invention generates data in system and method
Obtain schematic diagram.
Fig. 5 is that the driving insurance coverage of above preferred embodiment according to the present invention generates data in system and method
Obtain schematic diagram.
Fig. 6 is that the driving insurance coverage generation system and method flow of above preferred embodiment according to the present invention is shown
It is intended to.
Fig. 7 is that the driving insurance coverage generation system and method flow of above preferred embodiment according to the present invention is shown
It is intended to.
Fig. 8 is that the driving insurance coverage generation system and method flow of above preferred embodiment according to the present invention is shown
It is intended to.
Fig. 9 is that the driving insurance coverage generation system and method flow of above preferred embodiment according to the present invention is shown
It is intended to.
Figure 10 is that the driving insurance coverage of above preferred embodiment according to the present invention generates the one of system and method
The schematic diagram of kind feasible pattern.
Specific implementation mode
It is described below for disclosing the present invention so that those skilled in the art can realize the present invention.It is excellent in being described below
Embodiment is selected to be only used as illustrating, it may occur to persons skilled in the art that other obvious modifications.It defines in the following description
The present invention basic principle can be applied to other embodiments, deformation scheme, improvement project, equivalent program and do not carry on the back
Other technologies scheme from the spirit and scope of the present invention.
It will be understood by those skilled in the art that the present invention exposure in, term " longitudinal direction ", " transverse direction ", "upper",
The orientation or position of the instructions such as "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outside"
Relationship is to be based on the orientation or positional relationship shown in the drawings, and is merely for convenience of description of the present invention and simplification of the description, rather than
Indicate or imply that signified device or element must have a particular orientation, with specific azimuth configuration and operation, therefore above-mentioned
Term is not considered as limiting the invention.
It is understood that term " one " is interpreted as " at least one " or " one or more ", i.e., in one embodiment,
The quantity of one element can be one, and in a further embodiment, the quantity of the element can be multiple, and term " one " is no
It can be interpreted as the limitation to quantity.
The present invention provides a kind of driving insurance coverage generation system and method, as shown in Figures 1 to 10.More than breaking through
The defect and deficiency of traditional insurance business, the present invention provide a kind of feasible method as a preferred embodiment by the method into
Row explanation.Integrated products of the automobile as state-of-the-art technology, the electronic communication of whole components may be implemented.Using in vehicle
Existing hardware source can obtain information basic in vehicle, analyze the data and information of each side, and obtain at least one insurance
The approach to cooperation of business, and then produce declaration form and selected for policy-holder.
For electronic device and its sensory package in vehicle as a sensor ends 10, the sensor ends 10 provide the number in vehicle
According to.The detection and collection that according to the sensor ends 10 different location in vehicle and different components are carried out with data, can obtain vehicle
Than more comprehensive situation in.For example, the curve of speed and its variation can be obtained by velocity measuring device, it is by positioning
System can obtain route azimuth information etc..It will be appreciated by those skilled in the art that can be obtained by the sensor ends 10
Obtain the immediate data of vehicle.In addition to the also historied data of the immediate data of vehicle, these are obtained by the sensor ends 10
The case where data 100 obtained can directly react vehicle.
More, because the data 100 that driving side can be obtained the operation of vehicle by the sensor ends 10 show
Out, by the data 100 processing and analysis can obtain custom of the driving side to vehicle operating.Particularly, described
Data 100 are not limited to the information of vehicle movement, further include the master data of vehicle, oil consumption, electricity etc. vehicle.Normally,
The data 100 utilize instrumentation display in the car, but the data 100 can be obtained further.
Direct extraction to the data 100, and the data 100 are carried out directly to analyze the feelings that can grasp vehicle
Condition.As shown in Figure 1, directly providing the data 100 from vehicle and collecting, after analysis, the risk for obtaining vehicle is commented
Estimate or the information of driving side's credit etc., declaration form is generated according to the data 100.
In addition, in this preferred embodiment, other than using the basis that the data 100 are evaluated as insurance business, into
And obtain the information of driving side.As shown in Fig. 2, obtaining driving side's information 200 and then more being closed to whole insurance business
The analysis and judgement of reason.Driving side's information 200 derives from the data collection to the side of driving in this insurance business.For example,
The driving history of driving side, illegal record etc. are obtained by official's platform.More particularly, for automatic Pilot side or
AI systems can be assessed according to reliability in simulation or practical operation etc..This described driving side's information 200 in insuring
The height in insurance business risk can more fully be weighed.Certainly, driving side's information 200 is provided, this action is originally
Body be this insurance business analysis in reduce degree of risk.Because not providing driving side's information 200, there is no energy
Fuzzy etc. the action of confidence level for being successfully obtained driving side's information 200 or driving side's information 200 all can be to protect
The analysis of dangerous business brings difficulty and risk to improve.It will be appreciated by those skilled in the art that for a risk assessment
The range of the middle information data used is also a kind of standard in assessment, is not limited in data itself.
Preferably, the data 100 and driving side's information 200 are acquired in generating declaration form by network.Because
The source of the data 100 and driving side's information 200 is different, and specific agreement or cryptographically may be used in a network
Form is transmitted and extracts.In this preferred embodiment, the system includes further a database 20, the database 20
For preserving process and result data and information in insurance business.The data 100 and driving side's information 200 are by the number
It is preserved according to library 20, and the database 20 to the data 100 and driving side's information 200 of preservation arrange conveniently
Subsequently extract.The database 20 can be specifically high in the clouds storage, server etc. form.
For convenience of understanding and illustrating, this preferred embodiment will be obtained from the sensor ends 10 described in the data 100, acquisition
The method of driving side 200 is specifically described.Here it is specifically described in the case of vehicle is under different situations
And description.As shown in figure 3, the case where vehicle is in the case of zig zag, and the various sensor ends 10 in vehicle are to vehicle into
Row is collected.For example, steering is recorded concrete behavior is moved, to the angle of turning, reaction time, understeer situation
Etc. record.For example, suspension records rocking for vehicle body with liftoff situation.For example, zig zag occur time and
Frequency also will record.The case where these are acquired by the sensor ends 10 of vehicle most can directly react the fortune of vehicle in practice
Make situation.More, with record similar in driving, the data 100 are obtained to the database 20 so that the number
The data storage of the situation true to vehicle is obtained according to library 20.The accumulation of data is also the standard of subsequent analysis in the database 20
True property further provides for ensureing.
The case where collection of the data 100 of this another preferred embodiment is described in Fig. 4.Car slipping feelings in driving
Condition, in the case of upward slope, the various sensor ends 10 in vehicle are collected the case where vehicle.For example, brake system will
Movement concrete behavior is recorded, service brake, gear and parking brake situation etc. record.For example, tire system is to rolling and moving
Situation is recorded, and particularly can also be recorded to the angle of inclination of vehicle body.Because no matter whether accident occurs, similar danger
Danger is existing.All it is to be recorded again after accident occurs in traditional official's data.The preferred embodiment of the present invention is according to vehicle
Provide the data 100, the behavior in similar driving is recorded and is handled.With record similar in driving,
The data 100 are obtained to the database 20 so that the database 20 obtains the data storage to vehicle truth.
Also, driving side's information 200 is corresponded to, corresponding driving side can be grasped for similar to the frequency occurred in vehicular behavior
Or risk.In subsequent analysis and insurance assessment, these described data 100 provided by vehicle will be for the insurance of driving side
The grade of service provides help.That is, can be in the nonevent information progress for providing insurance company and needing of accident
Analysis.
The case where this another preferred embodiment, is as shown in Figure 5.There is the case where encountering high beam in driving, this is to endanger very much
Danger.In the case of tradition, although high beam causes traffic safety dangerous, but be not effectively recorded.Preferably by this
The data 100 are obtained in embodiment, and then light data in being driven a vehicle.More, vehicle can obtain vehicle surrounding brightness
Data, so analyze high beam if appropriate for.If in improper high beam, the various sensor ends 10 in vehicle
The case where vehicle, is collected.For example, the brightness of vehicle periphery is recorded by sensor devices.For example, lighting system pair
Whether it is that high beam is recorded.In this way, responsibility can be traced by the data 100, one is provided for the Claims Resolution stage of insurance
Fixed foundation.Certainly, corresponding record will be also used as the case where no accident.For example, for corresponding driving side's information 200
Add record or the assessment of risk.More often than not, initiation accident or the case where settlement of insurance claim, are not intended to be limited to drive a vehicle
The operation of the operation of movement, many non-drivings can also cause the accident or settle a claim.Therefore, pass through the institute in this preferred embodiment
State method and system, by the direct data 100 of vehicle, can intuitively and reasonably find it is corresponding in the case of foundation.
Further, it is the generation of insurance business specific analysis and declaration form by the data 100 and driving side's information 200
Most direct foundation is provided so that the determination of insurance business relationship more meets the requirements, insurer is also more suitable for rationally.
According to this preferred embodiment, more specifically, the driving insurance coverage generation method includes：
A. the data 100 are collected；
B. the database 20 is connected；
C. the data 100 are analyzed and obtain risk assessment；
D. insurance business is provided according to risk assessment；
E. corresponding declaration form, and request confirmation are generated according to the type of insurance business.
More, include further that the data 100 are associated in above-mentioned step A as shown in the detailed process of Fig. 6
Driving side's information 200.In this way, according to the situation of different driving sides the data 100 can be carried out accordingly be associated with and
It is corresponding.
More, step C further comprises the relationship for analyzing the data 100 and driving side's information 200, analysis
Go out on the influential data 100 in insurance period and driving side's information 200.That is, this driving in insuring
Side may before drive the cross this vehicle in insuring, it is also possible to this vehicle in insuring of no drive the cross.Moreover, this is thrown
Vehicle in guarantor may be operated by other driving sides, these pass through the pass to the data 100 and driving side's information 200
It can be obtained in system's analysis.Because for not being the driving side of this phase of insuring, but contacting to vehicle, and need to examine
Consider in the case of vehicle.For example, the behaviour of driving side before may being related to the assessment of brake sensitivity to vehicle
Make.In addition, this is insured, analysis can also be added to the operation data of other vehicles in interim driving side.For example, driving side exists
Have habitually car slipping record in the database 20, although being not vehicle that this is insured in record, to this
The risk assessment of insurance business still can decrease.
In this preferred embodiment, above-mentioned step C to E preferably transfers to an analysis end 30 to be handled, by an interaction end
40 provide the declaration form of production to simultaneously request confirmation.The interaction end 40 is preferably the equipment of human-computer interaction, such as smart mobile phone, vehicle
Carry master control screen etc..The analysis end 30 is specially preferably computer or work station, can be carried out with the database 20
Data exchange carries out analyzing processing to the data 100 and driving side's information 200.Those skilled in the art can manage
Solution is calculated in the analysis of insurance business according to an at least insurance parameter 300.
There are many ripe calculation formula or program for the different types of relationship of accepting insurance, according to the input data
The clearing form and declaration form of insurance business can be obtained by the insurance parameter 300.The insurance parameter 300 can not only determine
The numerical value of concrete analysis can also have an impact the format of declaration form.That is, can be by the insurance parameter 300
Update, obtains new declaration form format.
It is noted that being not limited between driving side and insurance company for the insurance business provided in step D
Business relations.According to 200 obtained insurance business of the data 100 and driving side's information, in addition to car owner and driving
The relationship for the side of sailing is analyzed, and insurance business relationship of the passenger in this insurance period can also be obtained.If 100 He of the data
Driving side's information 200 has good risk assessment, then risk of the passenger in insurance period is in good trend.If institute
Stating data 100 or driving side's information 200, there are pessimistic assessments to risk that this is driven a vehicle, then the seating of passenger
Insurance will also be affected.More, the insurance business provided by the step in this preferred embodiment can be for making in many ways
With further generating corresponding declaration form according to the relationship between multi-party.
In addition, as long as the insurance business provided after step C and D in this preferred embodiment is also not limited to one kind.According to
Analysis as a result, a variety of different insurance businesses and declaration form can be provided, for the confirmation of follow-up insurer.It is of course also possible to
After insurer disagrees certain projects, adaptively modified to the insurance parameter 300 according to feedback, then guarantor is provided
Dangerous business and declaration form.Similar process of feedback can effectively improve the reasonability of last declaration form, be insurance company and insurer
More, more satisfied cooperative relationship is all provided.
For example, before the driving situation of primary net about vehicle, passenger needs to insure the case where taking this.So it is related to
Insurance business range have this take vehicle, vehicle car owner, driving side and passenger.It is described in this preferred embodiment
Method collects the data 100 of vehicle first, is associated with driving side's information 200.The data 100 are preferably from vehicle
It is obtained in the sensor ends 10.The current situation of vehicle is most directly obtained, for example, oil mass, electricity, each electronic device whether can
Effectively work etc..Driving side's information 200 is preferably obtained from official, the database 20 etc. source.Then, will
The data 100 and driving side's information 200 are connected to the database 20, while update to the database 20, root
The data 100 and driving side's information 200 are improved according to the record of the database 20.Then, the analysis end 30 is to institute
It states data 100 and driving side's information 200 is analyzed.Because of the case where having grasped vehicle, the situation of driving side, Yi Jiche
And driving side historical record, can analyze and comprehensively be assessed.According to analysis as a result, correspondingly producing insurance business.
Last foundation insurance business, generates declaration form.So passenger can obtain a rational insurance business, and be according to vehicle
The driving habits of situation and drivings side and formed, it is very high to this period adaptability of riding.It is noted that insurance business
Object not only car owner, driving side, vehicle can all be used, it is only necessary to declaration form with one side of serve passengers
Format is modified.Therefore, it is very easily, to be effectively improved efficiency in this way for insurance company.Both it was adapted to
The offer declaration form of property, need not also expend the cost of labor of great number.
More, the method in this preferred embodiment more specifically analyzes insurance business and produces the flow of declaration form such as
Fig. 7.The data 100 are provided by the sensor ends 10 of vehicle first, to show the state of vehicle.The database 20 into one
Step provides vehicle historic state.It is of course also possible to carry out subsequent analysis according to recent vehicle-state.The data 100
Time range can by initialization determine, can also adaptability later stage adjust.Then, being obtained in insurance business by analysis needs
The data wanted obtains the insurance relationship for being suitble to this insurance business.It will be appreciated by those skilled in the art that, for inhomogeneity
The relationship of accepting insurance of type has many ripe calculation formula or program, passes through the insurance parameter according to the input data
300 can obtain the clearing form and declaration form of insurance business.The insurance parameter 300 can not only determine the numerical value of concrete analysis,
Also the format of declaration form can be had an impact.That is, new guarantor can be obtained by the update to the insurance parameter 300
Single lattice formula.So, existing declaration form format is matched according to insurance business in turn.If existing declaration form format is suitble to, then just adopting
With existing declaration form format.Be not suitable for if existing declaration form is verified, then generating new declaration form format according to insurance business.Cause
The data volume and data class being related to for each insurance business are had any different, and declaration form can produce different more parts, for insuring
People selects.It can also be after insurer disagrees certain projects, according to feedback adaptively to the insurance parameter 300
It modifies, then corresponding declaration form is provided.Finally, after insurer confirms declaration form and signs, insurance contract just generates, insurance company
Just start to accept insurance.
Particularly, the analytic process and foundation for generating declaration form can be by the interaction ends 40 by the offer of selectivity.
That is insurer wants to know that the source of insurance business generation and foundation are possible.For insurance company, it can provide
Part foundation is also beneficial to improve degree of belief.The flow of this preferred embodiment as shown in Figure 8 is illustrated.For existing and new
Declaration form format will all be recorded in the database 20.That is, when being again coupled to the database 20, will more be enriched
Information and declaration form verify.Then, the analysis end 30 carries out the analysis of insurance business according to the database 20.More,
It is further analyzed using a credit record 400 at the analysis end 30.The credit record 400 is preferably from credit institution
It obtains, can also be extracted from the data history of the database 20.The analysis of the credit record 400, which will be added, to believe individual
It is accounted for equal etc. so that the assessment of insurance business is more reasonable.Then, when needed, the analysis end 30 will produce
Foundation provide, be to show the reasonability of insurance business publicly.Certainly, when not needed, the analysis end 30 will not carry
For foundation.Here can according between insurance company and insurer needs and negotiation determine, do not provide, partly or entirely
Show to portion generation foundation.The last interaction end 40 asks the confirmation of declaration form.Therefore it provides the foundation generated is for insurer
Clearer understanding insurance information or amount etc. content is helpful.Moreover, insurance company also controls privacy information
Nurse, the reasonability of insurance business is also showed in certain degree.
It is noted that although the result for generating declaration form is the service and contract that one direction insurer of insurance company provides
About, but insurer is also important relationship people, and the approval for obtaining insurer is also necessary.The method of this preferred embodiment
And system, the feedback element of flow is added.Fig. 9 describe it is a kind of as described in data 100 and driving side's information 200 all by institute
The pattern of the offer of database 20 is provided.The database 20 records the data 100, driving side's information 200 and declaration form lattice
The insurance parameter 300 in formula.Certainly, the database 20 can also record the different number of described credit record 400 etc.
According to, facilitate the analysis end 30 analysis when use most comprehensive data source.The analysis end 30 can be selected in analysis
The data information of a period of time is analyzed.It is predicted or is assessed by certain calculating and program.According to as a result, to institute
State the modification that the declaration form format being applicable in database 20 carries out adaptability.At least a declaration form is provided using the interaction end 40.
It can be controlled with existing declaration form format or newly-generated declaration form format, the upper limit of quantity.Described interaction end 40 etc.
Wait for that declaration form is identified.If obtaining the confirmation of insurer, the contract engagement of declaration form is set up.It, can if there is more parts of declaration forms to be identified
With determine in chronological order or re-request insurer selection.If not confirming, the other declaration forms of selection can be returned, or
Product process is returned, is modified to certain steps therein.For example, can be to the data 100 and driving side's information
200 source is enlarged or reduces, and the period of the data 100 and driving side's information 200 to selection carries out weight
It newly selects, modifies to the insurance parameter 300, then insurance business and declaration form are provided.Similar process of feedback can be effective
Ground improves the reasonability of last declaration form, and more, more satisfied cooperative relationship is all provided for insurance company and insurer.
Figure 10 illustrates this preferred embodiment effect, and insurer can obtain the guarantor in this driving conditions before driving
Declaration form is supplied to insurer by dangerous business by the interaction end 40.Because the state of traveling, Ke Yishi are acquired and considered from vehicle
Answer a variety of different driver patterns and seating form.And data 100 described in vehicle are made full use of, vehicle shape most recently is found
State reduces the trouble of hand inspection and verification so that the whole cost reduction for generating declaration form.Optionally, it can be combined with difference
Requirement feedback, most suitable insurance business is found, by extensive data according to obtaining reliable result.Optionally, in number
According to the declaration form format for recording different insurance relationships in library, each analysis result is matched according to existing declaration form so that analysis
Accelerate with the speed of production.Therefore, the insurance business provided towards other in addition to that towards car owner and driving side, can also multiply
It sits people and business of insuring is provided so that the range for insuring covering is more extensive, comprehensively ensures the different aspect in traveling.
It should be understood by those skilled in the art that the embodiment of the present invention shown in foregoing description and attached drawing is only used as illustrating
And it is not intended to limit the present invention.The purpose of the present invention has been fully and effectively achieved.The function and structural principle of the present invention exists
It shows and illustrates in embodiment, under without departing from the principle, embodiments of the present invention can have any deformation or modification.
Claims (17)
1. a driving insurance coverage generation method, which is characterized in that including：
A. a data are collected；
B. a database is connected；
C. the data are analyzed and obtain risk assessment；
D. insurance business is provided according to risk assessment；And
E. corresponding declaration form, and request confirmation are generated according to the relationship of insuring of insurance business,
The wherein described data are provided by a sensor ends of vehicle, wherein the sensor ends are device in vehicle so that by described
Data directly react vehicle condition, wherein the data-base recording and preserving the data, are used for analysis, wherein generate
Declaration form is accordingly provided to insurer, if insurer confirms that declaration form, insurance relationship are determined.
2. method according to claim 1, wherein the sensor ends are electronic device in vehicle, and by network by the number
According to offer.
3. method according to claim 2, wherein being analyzed situation of insuring according to the assessment result of step C, Jin Ershi
Obtain to answering property the particular content of insurance business.
4. method according to claim 1, wherein step A further comprises：
A1 is associated with the data and driving side's information,
Wherein described driving side's information is vehicle car owner in insurance, driving side and once the moving operation of drive the cross vehicle was believed
Breath, wherein the specific source of the side's of drivinging information for it is below at least one：The database, official's platform, simulation
Assessment.
5. method according to claim 4, wherein it is good to consider that driving side's information will be formed the assessment in step C
It influences.
6. method according to claim 5, the wherein input of the analysis of step C are the data and driving side's information,
By the relationship and clearing form being calculated in insurance business, according to insurance business and then declaration form is generated.
7. method according to claim 5, the insurance business that wherein step D is provided obtains between insurance company and insurer
Relationship, wherein insurer be in particular it is below at least one：Vehicle car owner, driving side, passenger.
8. method according to claim 5, wherein step C to E are handled by an analysis end, by an interaction end by production
Declaration form provides and request confirmation.
9. according to the method any in claim 6,7 or 8, wherein the insurance business provided is at least two, wherein
Before the request confirmation of step E, further comprise：
E1 selects one kind from least two insurance businesses, so etc. it is to be confirmed.
10. method according to claim 9, if wherein declaration form is identified, the contractual relation of insurance business is set up.
11. method according to claim 9, if wherein declaration form is not identified, and need to change, then the method is into one
Step includes：
F. return to step A is needed according to feedback,
It wherein adaptively modifies at least one in step A, B or C, then insurance business and declaration form is provided.
12. the period of method according to claim 10, the wherein data of step A is changed.
13. method according to claim 10, the source of the data and driving side's information in wherein step A is repaiied
Change.
14. method according to claim 10, the database in wherein step B is updated.
15. method according to claim 10, the wherein analysis calculation of step C is changed.
16. method according to claim 10, the wherein analysis calculating parameter of step C is changed.
17. a system suitable for insurance coverage generation of driving a vehicle, which is characterized in that including：
One sensor ends；
One database；
One analysis end；And
One interaction end, wherein the sensor ends, the database, the analysis end and the interaction end mutually communicably connect
It connects, wherein the sensor ends collect a data, wherein the analysis end connects the database and the sensor ends, according to described
Data analysis obtains risk assessment and provides correspondingly insurance business, and wherein insurance business is provided and asked really by the interaction end
Recognize.
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| CN201810106187.1A CN108320232A (en) | 2018-02-02 | 2018-02-02 | Insurance coverage of driving a vehicle generates system and method |
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| CN201810106187.1A CN108320232A (en) | 2018-02-02 | 2018-02-02 | Insurance coverage of driving a vehicle generates system and method |
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Cited By (1)
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