Summary of the invention
In view of the foregoing deficiencies of prior art, the purpose of the present invention is to provide one kind is occurred generally based on car accident
The car insurance fee payment method and system of rate, it is low for solving intelligence degree in the prior art, a large amount of manpower and material resources are wasted,
For the problem that different car owners, Insurance Pricing does not have difference.
In order to achieve the above objects and other related objects, the present invention provides a kind of vehicle based on car accident probability of happening
Insure fee payment method, the car insurance fee payment method based on car accident probability of happening includes: the history row for obtaining vehicle
Sail track data;Statistic of classification is carried out to the history driving trace data of the vehicle, the driving trace after obtaining statistic of classification
Data;Contingency occurrence probability analysis is carried out to the driving trace data after the statistic of classification, obtains car accident probability of happening;
The insurance charging regulation data for obtaining insurance company, according to the car accident probability of happening and the insurance charging regulation data
Obtain the corresponding safety measures of user;According to the corresponding safety measures of user, user's vehicle insurance electronic insurance policy is generated;It receives and shows
The vehicle maintenance insurance electronic declaration form;According to user's vehicle maintenance insurance electronic declaration form, payment channel is provided, processing is received and uses
The payment request at family completes payment.
As a preferred solution of the present invention, the insurance charging regulation data for obtaining insurance company, according to the vehicle
Contingency occurrence probability and the corresponding safety measures of the insurance charging regulation data acquisition user include: the guarantor for obtaining insurance company
Dangerous charging regulation data;Store the insurance charging regulation data of car accident probability of happening and insurance company;Receive purchase vehicle
Danger instruction, obtains the insurance charging regulation of the car accident probability of happening and insurance company that are stored in cloud platform service terminal
Data are obtained according to the corresponding relationship between pre-set car accident probability of happening and the insurance charging regulation of insurance company
The corresponding safety measures of user out.
As a preferred solution of the present invention, the history driving trace data of the vehicle include vehicle driving trace number
According to, GPS location data, mileage, time data, accident record data.
As a preferred solution of the present invention, the history driving trace number of vehicle is obtained by car networking communication gate
According to.
To achieve the above object, the car insurance based on car accident probability of happening that the present invention also provides a kind of, which is paid the fees, is
System, the car insurance fare payment system based on car accident probability of happening includes: car networking database module, for obtaining vehicle
History driving trace data;Driving trace statistical module divides for the history driving trace data to the vehicle
Class statistics, the driving trace data after obtaining statistic of classification;Car accident probability of happening analysis module, for uniting to the classification
Driving trace data after meter carry out contingency occurrence probability analysis, obtain car accident probability of happening;Insurance company's accounting module,
For obtaining the insurance charging regulation data of insurance company;Cloud platform service terminal is analyzed with car accident probability of happening respectively
Module, insurance company's accounting module, vehicle insurance message processing module are connected, public for storing car accident probability of happening and insurance
The insurance charging regulation data of department;Vehicle insurance instruction sending module is bought, the purchase vehicle insurance for sending user instructs;Vehicle insurance information
Processing module obtains the car accident being stored in cloud platform service terminal and occurs generally for receiving the purchase vehicle insurance instruction
Rate and the insurance charging regulation data of insurance company, according to the guarantor of pre-set car accident probability of happening and insurance company
Corresponding relationship between dangerous charging regulation obtains the corresponding safety measures of user;Vehicle insurance electronic insurance policy automatically-generating module, is used for
According to the corresponding safety measures of user, user's vehicle insurance electronic insurance policy is generated;Vehicle insurance electronic insurance policy receives specification module, for receiving
And illustrate user's vehicle insurance electronic insurance policy;Payment module receives specification module with the vehicle insurance electronic insurance policy and is connected, is used for root
According to user's vehicle insurance electronic insurance policy, the disbursement insurance amount of money.
As a preferred solution of the present invention, the history driving trace data of the vehicle include vehicle driving trace number
According to, GPS location data, mileage, time data, accident record data.
As a preferred solution of the present invention, it includes that electronic insurance policy receives that the vehicle insurance electronic insurance policy, which receives specification module,
Unit and voice broadcast unit, wherein electronic insurance policy receiving unit, for receiving user's vehicle insurance electronic insurance policy;Voice is broadcast
Declaration form member, is used for speech explanation user vehicle insurance electronic insurance policy;The electronic insurance policy receiving unit, voice broadcast unit are and vehicle insurance
Electronic insurance policy automatically-generating module, payment module are connected.
As a preferred solution of the present invention, the car insurance fare payment system based on car accident probability of happening is also
It include: vehicle driving trace data acquisition unit, position data acquisition unit, mileage acquisition unit, the acquisition of time data
Unit, accident data collection unit, the vehicle driving trace data acquisition unit, position data acquisition unit, mileage
Acquisition unit, time data acquisition unit, accident data collection unit are connected with car networking database module.
As a preferred solution of the present invention, the car networking database module obtains vehicle by car networking communication gate
History driving trace data.
The present invention also provides a kind of electronic equipment, including processor and memory, the memory is stored with program and refers to
It enables, the processor operation program instruction realizes the above-mentioned car insurance fee payment method based on car accident probability of happening.
As described above, a kind of car insurance fee payment method and system based on car accident probability of happening of the invention, tool
Have it is following the utility model has the advantages that
1, the present invention carries out statistic of classification to the history driving trace data of vehicle, the driving trace after obtaining statistic of classification
Data carry out contingency occurrence probability analysis to the driving trace data after statistic of classification, obtain car accident probability of happening, according to
Corresponding relationship between pre-set car accident probability of happening and the insurance charging regulation of insurance company, show that user is corresponding
Safety measures, the present invention be directed to different car owners car accident probability of happening, set have differentiation vehicle insurance declaration form, this hair
Bright intelligence degree is high, time saving and energy saving.
2, the present invention realize it is self-service quotation it is self-service insure, therefore car owner can with automatic insurance application automatic fee, be car owner with
Great convenience is carried out.
3, car networking database module of the invention obtains the history driving trace number of vehicle by car networking communication gate
According to realization link communication channel, transmission data speed is fast, and the delay of Millisecond can be realized the history driving trace number of vehicle
According to real-time Transmission.
4, the present invention is simple and efficient, and is had stronger versatility and practicability, is had wide range of applications.
Specific embodiment
Illustrate embodiments of the present invention below by way of specific specific example, those skilled in the art can be by this specification
Other advantages and efficacy of the present invention can be easily understood for disclosed content.The present invention can also pass through in addition different specific realities
The mode of applying is embodied or practiced, the various details in this specification can also based on different viewpoints and application, without departing from
Various modifications or alterations are carried out under spirit of the invention.It should be noted that in the absence of conflict, following embodiment and implementation
Feature in example can be combined with each other.
It should be noted that illustrating the basic structure that only the invention is illustrated in a schematic way provided in following embodiment
Think, only shown in schema then with related component in the present invention rather than component count, shape and size when according to actual implementation
Draw, when actual implementation kenel, quantity and the ratio of each component can arbitrarily change for one kind, and its assembly layout kenel
It is likely more complexity.
The present embodiment provides a kind of car insurance fee payment method and system based on car accident probability of happening, needles of the present invention
To the car accident probability of happening of different car owners, the vehicle insurance declaration form with differentiation is set, intelligence degree of the invention is high, saves
Shi Shengli.
The present embodiment provides a kind of car insurance fee payment methods based on car accident probability of happening, pay for car owner is self-service
Vehicle insurance expense provides a great convenience, specifically, referring to Fig. 1, the car insurance based on car accident probability of happening
Fee payment method includes:
Step S1 obtains the history driving trace data of vehicle.
Specifically, in the present embodiment, the history driving trace data of the vehicle include but is not limited to: vehicle driving rail
Mark data, GPS location data, mileage, time data, accident record data.
Step S2 carries out statistic of classification to the history driving trace data of the vehicle, the traveling after obtaining statistic of classification
Track data.
In step s 2, it needs to vehicle driving trace data, GPS location data, mileage, time data, accident
It records data and carries out statistic of classification, mark off each region that vehicle is travelled, the number that accident occurs, after obtaining statistic of classification
Driving trace data.
Step S3 carries out contingency occurrence probability analysis to the driving trace data after the statistic of classification, obtains vehicle thing
Therefore probability of happening.
Step S4 obtains the insurance charging regulation data of insurance company.
In step s 4, the insurance company not identical, different due to the insurance charging regulation data of different insurance companies
Insurance charging regulation is provided previously, insurance charging regulation number corresponding with insurance charging regulation is obtained according to insurance charging regulation
According to needing preparatory typing insurance charging regulation data.
Step S5 stores the insurance charging regulation data of car accident probability of happening and insurance company.
Send the purchase vehicle insurance instruction of user.In the case where user needs to buy vehicle insurance, the purchase of meeting active transmission user
Buying car nearly instructs.
Step S6 receives purchase vehicle insurance instruction, obtains the car accident probability of happening being stored in cloud platform service terminal
And the insurance charging regulation data of insurance company, according to the insurance of pre-set car accident probability of happening and insurance company
Corresponding relationship between charging regulation obtains the corresponding safety measures of user.
In step s 6, the corresponding relationship between car accident probability of happening and the insurance charging regulation of insurance company, i.e.,
For the mapping relations between car accident probability of happening and the insurance charging regulation of insurance company.
Corresponding, the history driving trace data of vehicle often travel on high-incidence accident location, and insurance premium can be got higher, such as
The history driving trace data of fruit vehicle seldom travel on high-incidence accident location, or do not travel on high-incidence accident location, insurance
Expense can reduce.
Step S7 generates user's vehicle insurance electronic insurance policy according to the corresponding safety measures of user.
Step S8 is received and is shown the vehicle maintenance insurance electronic declaration form.
Step S9 provides payment channel according to user's vehicle maintenance insurance electronic declaration form, and the payment for receiving processing user is asked
It asks, completes payment.
Specifically, in the present embodiment, the history driving trace data of vehicle are obtained by car networking communication gate.
Referring to Fig. 2, similarly with embodiment of the method principle, the present invention provides one kind to be occurred generally based on car accident
The car insurance fare payment system 1 of rate, specifically, the car insurance fare payment system 1 based on car accident probability of happening includes:
Car networking database module 20, for obtaining the history driving trace data of vehicle;Driving trace statistical module 30, for institute
The history driving trace data for stating vehicle carry out statistic of classification, the driving trace data after obtaining statistic of classification;Car accident hair
Raw probability analysis module 40 is obtained for carrying out contingency occurrence probability analysis to the driving trace data after the statistic of classification
Car accident probability of happening;Insurance company's accounting module 100, for obtaining the insurance charging regulation data of insurance company;Yun Ping
Platform service terminal 50, respectively and at car accident probability of happening analysis module 40, insurance company's accounting module 100, vehicle insurance information
It manages module 60 to be connected, for storing the insurance charging regulation data of car accident probability of happening and insurance company;Buy vehicle insurance
Instruction sending module 10, the purchase vehicle insurance for sending user instruct;Vehicle insurance message processing module 60, for receiving the purchase
Vehicle insurance instruction, obtains the insurance charging of the car accident probability of happening and insurance company that are stored in cloud platform service terminal 50
Regular data, according to the corresponding pass between pre-set car accident probability of happening and the insurance charging regulation of insurance company
System, obtains the corresponding safety measures of user;Vehicle insurance electronic insurance policy automatically-generating module 70, for being arranged according to the corresponding insurance of user
It applies, generates user's vehicle insurance electronic insurance policy;Vehicle insurance electronic insurance policy receives specification module 80, for receiving and illustrating user's vehicle insurance
Electronic insurance policy;Payment module 90 receives specification module 80 with the vehicle insurance electronic insurance policy and is connected, for according to user's vehicle insurance electronics
Declaration form, the disbursement insurance amount of money.
Specifically, in the present embodiment, the history driving trace data of the vehicle include but is not limited to: vehicle driving rail
Mark data, GPS location data, mileage, time data, accident record data.
Specifically, in the present embodiment, referring to Fig. 3, the vehicle driving trace data pass through vehicle driving trace number
It is acquired according to acquisition unit, GPS location data is acquired by position data acquisition unit, and mileage is acquired single by mileage
Member acquisition, time data are acquired by time data acquisition unit, and accident record data are acquired by accident data collection unit,
The vehicle driving trace data acquisition unit, position data acquisition unit, mileage acquisition unit, the acquisition of time data are single
Member, accident data collection unit are connected with car networking database module 20.
Specifically, in the present embodiment, different since the insurance charging regulation data of different insurance companies are not identical
Insurance charging regulation is provided previously in insurance company, obtains insurance corresponding with insurance charging regulation according to insurance charging regulation and counts
Take regular data, needs to insure charging regulation data to 100 typing of insurance company's accounting module in advance.
Specifically, in the present embodiment, in the case where user needs to buy vehicle insurance, car owner passes through purchase vehicle insurance instruction hair
Module 10 is sent to send purchase vehicle insurance instruction.
Specifically, cloud platform service terminal 50 uses data storage server common in the art, has biggish
Memory space, details are not described herein.
Specifically, in the present embodiment, referring to Fig. 4, the vehicle insurance electronic insurance policy receives specification module 80 includes but not
It is limited to: electronic insurance policy receiving unit 81 and voice broadcast unit 82, wherein electronic insurance policy receiving unit 81, it is described for receiving
User's vehicle insurance electronic insurance policy;Voice broadcast unit 82 is used for speech explanation user vehicle insurance electronic insurance policy;The electronic insurance policy receives
Unit 81, voice broadcast unit 82 are connected with vehicle insurance electronic insurance policy automatically-generating module 70, payment module 90.
Specifically, in the present embodiment, voice broadcast unit 82 uses loudspeaker, speech explanation user's vehicle insurance electronic insurance policy
In information.
It should be understood that payment module 90 use the means of payment common in the art, can bind bank card or
Credit card completes payment in vehicle or in user terminal, payment is quick, easy to operate, safety is good.
Specifically, in the present embodiment, the vehicle insurance electronic insurance policy receives specification module 80, payment module 90 is all set in
In vehicle device.
Specifically, in the present embodiment, the payment module 90 and vehicle insurance electronic insurance policy receive and lead between specification module 80
Wireless network is crossed to be connected.
The present invention also provides a kind of electronic equipment, including processor and memory, the memory is stored with program and refers to
It enables, the processor operation program instruction realizes the above-mentioned car insurance fee payment method based on car accident probability of happening.
Car networking database module 20 of the invention obtains the history driving trace number of vehicle by car networking communication gate
According to realization link communication channel, transmission data speed is fast, and the delay of Millisecond can be realized the history driving trace number of vehicle
According to real-time Transmission.
In conclusion the present invention carries out statistic of classification to the history driving trace data of vehicle, after obtaining statistic of classification
Driving trace data carry out contingency occurrence probability analysis to the driving trace data after statistic of classification, obtain car accident
Probability is obtained according to the corresponding relationship between pre-set car accident probability of happening and the insurance charging regulation of insurance company
The corresponding safety measures of user out, the present invention are directed to the car accident probability of happening of different car owners, set the vehicle with differentiation
Dangerous declaration form, intelligence degree of the invention is high, time saving and energy saving.
The above-described embodiments merely illustrate the principles and effects of the present invention, and is not intended to limit the present invention.It is any ripe
The personage for knowing this technology all without departing from the spirit and scope of the present invention, carries out modifications and changes to above-described embodiment.Cause
This, institute is complete without departing from the spirit and technical ideas disclosed in the present invention by those of ordinary skill in the art such as
At all equivalent modifications or change, should be covered by the claims of the present invention.