CN110234086A - Insurance based on car networking daily charge system and method - Google Patents
Insurance based on car networking daily charge system and method Download PDFInfo
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- CN110234086A CN110234086A CN201910471135.9A CN201910471135A CN110234086A CN 110234086 A CN110234086 A CN 110234086A CN 201910471135 A CN201910471135 A CN 201910471135A CN 110234086 A CN110234086 A CN 110234086A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C5/00—Registering or indicating the working of vehicles
- G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
- H04W12/068—Authentication using credential vaults, e.g. password manager applications or one time password [OTP] applications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/30—Services specially adapted for particular environments, situations or purposes
- H04W4/35—Services specially adapted for particular environments, situations or purposes for the management of goods or merchandise
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/30—Services specially adapted for particular environments, situations or purposes
- H04W4/40—Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
- H04W4/44—Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
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- Computing Systems (AREA)
- Physics & Mathematics (AREA)
- Computer Hardware Design (AREA)
- General Physics & Mathematics (AREA)
- General Engineering & Computer Science (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Medical Informatics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of insurance based on car networking daily charge system and methods, and wherein system includes: on board unit, acquires and upload the status information of vehicle；Cloud platform, receives the status information for the vehicle that the on board unit uploads, and verifies whether the vehicle same day has carried out expense processing, if it is not, then uploading the status information of the vehicle；Interface platform, receives the status information for the vehicle that the cloud platform uploads, and obtains the true identity information of the vehicle, then issues the true identity information and status information of the vehicle；Insurance platform receives the true identity information and status information of the vehicle that the interface platform issues, and carries out expense processing to the vehicle, and the result of expense processing is back to the cloud platform.A kind of system for insuring daily charging is gone out the present invention is based on car networking and in conjunction with car insurance Service Design, has solved the problems, such as that current user exists when buying car insurance.
Description
Technical field
The invention belongs to the insurance billing technology fields based on car networking, more particularly to a kind of insurance based on car networking
Daily charge system and method.
Background technique
With the rapid development of China's economic and the increasingly quickening of urbanization process, according to statistics, China's vehicle ownership
The whole world first is reached.Along with the increase year by year of vehicles number, China's motor vehicle insurance industry has also obtained quick hair
Exhibition, according to statistics, in 2018, Chinese motor vehicle (business insurance) quantity of insuring reached 4.4 hundred million, and had also been continuously increased；It can
See that current motor vehicle insurance industry business vision is very good.But many problems are also brought thereupon, are possessed in market big
Big slight tens insurance companies, none unified specification and supervision, the competition between industry do not have to without surprise；Buy motor vehicle
Though user's voluntarily purchase insurance, the enforceable set meal formula sales mode of insurance company makes user feel angry at it but dare not speak it.Main body
Now, the set meal of insurance industry pays the fees mode all using mode of disposably deducting fees per year at present, but many car owners are come
It says, is very unreasonable, such as: for city restricting the number vehicle, the not high personnel of vehicle utilization of often travelling outside, festivals or holidays
Out on tours personnel (non-self-driving), the relatively more personnel of family vehicle, the vehicle of automobile rental corporation, unit vehicle etc. are shown
Very unreasonable, because expense is paid the fees per year, and some vehicles do not use substantially or are not to use daily, i.e., practical when using vehicle
Between far smaller than 1 year number of days, this has resulted in a large amount of waste.
Summary of the invention
It is an object of the invention to overcome the deficiencies of the prior art and provide a kind of insurance based on car networking daily charging systems
System and method.
The purpose of the present invention is achieved through the following technical solutions: the daily charge system of the insurance based on car networking,
Include:
On board unit acquires and uploads the status information of vehicle；
Cloud platform, receives the status information for the vehicle that the on board unit uploads, and verifies the vehicle same day and be
It is no to have carried out expense processing, if it is not, then uploading the status information of the vehicle；
Interface platform, receives the status information for the vehicle that the cloud platform uploads, and obtains the true of the vehicle
Then identity information issues the true identity information and status information of the vehicle；
Insurance platform receives the true identity information and status information of the vehicle that the interface platform issues, and right
The vehicle carries out expense processing, and the result of expense processing is back to the cloud platform.
Preferably, the on board unit includes:
Communication module, for realizing the data communication of the on board unit and cloud platform；
Vehicle-state identification module, for acquiring the status information of vehicle；
Power module, for powering for the on board unit；
Control module is handled for the status information to the vehicle, and status information uploads cloud by treated
Platform.
Preferably, the vehicle-state identification module acquires the state letter of vehicle by communication cable/home control network communication protocol
Breath；And/or
The vehicle-state identification module acquires the status information of vehicle using sensor；And/or
The vehicle-state identification module acquires the status information of vehicle using vehicle-mounted OBD interface.
Preferably, the on board unit includes:
Protective shell, the communication module, vehicle-state identification module, power module and control module are located at the protective shell
It is interior；
Tamper module, for detecting whether the protective shell is opened, and when the protective shell is opened to control module
Send alarm signal.
Preferably, the tamper module includes:
Resistance strain gage is fixed in protective shell, and is generated mechanical deformation when protective shell is opened and made its resistance
Value changes；
Detection module changes for detecting the resistance value of the resistance strain gage, and in the resistance value of electronics foil gauge
Alarm signal is sent to control module after change, the control module sends warning message to cloud platform.
Preferably, the on board unit includes:
Outage detection module, for detecting the connection situation of on board unit and external power supply.
Preferably, the cloud platform verifies institute after the request for being connected to the status information that the on board unit uploads vehicle
The password and device number for stating on board unit, after the password and device number are verified, cloud platform receives the vehicle
Status information；And/or
The interface platform verifies the vehicle-mounted list after the request for being connected to the status information that the cloud platform uploads vehicle
The password and device number of member, after the password and device number are verified, interface platform receives the state of the vehicle
Information.
Preferably, when vehicle newly takes a policy daily charge system, insurance platform is true using its public private key pair vehicle
Real identity information carries out anonymous processing and obtains anonymous Identity information, and the anonymous Identity information is sent to interface platform, institute
Interface platform is stated to map the device number of the on board unit of the vehicle and the anonymous Identity information.
Preferably, the interface platform is believed according to the anonymous Identity that the device number of the on board unit searches the vehicle
Breath, and the anonymous Identity information is restored to obtain the true identity information of the vehicle.
Insurance based on car networking daily charging method, comprising:
On board unit acquires and uploads the status information of vehicle；
Cloud platform receives the status information for the vehicle that the on board unit uploads, and whether verifies the vehicle same day
The expense of progress processing, if it is not, then uploading the status information of the vehicle；
Interface platform receives the status information for the vehicle that the cloud platform uploads, and obtains the true body of the vehicle
Part information, then issues the true identity information and status information of the vehicle；
Insurance platform receives the true identity information and status information for the vehicle that the interface platform issues, and to institute
It states vehicle and carries out expense processing, and the result of expense processing is back to the cloud platform.
The beneficial effects of the present invention are:
(1) gone out a kind of system for insuring daily charging the present invention is based on car networking and in conjunction with car insurance Service Design,
It solves the problems, such as that current user exists when buying car insurance, is also required to the problem of paying insurance premium as vehicle is not used, mentions
High car insurance takes the reasonability paid；
(2) it is provided with tamper module on board unit, can deduct fees, in order to escape by modification mobile unit to avoid car owner
Normal operation (for example install switch) of the physical structure to interfere mobile unit the case where；
(3) power supply module is provided on board unit to provide the power supply of certain time on board unit, it can be in user couple
On board unit sends power alarm information to cloud platform after being powered off；
(4) present invention is whole using device number mapped mode, does not have that any user's is true in cloud platform and network
Identity information, mapping in the database of interface platform using device number and anonymous Identity information MAP mode, even if
Anonymous Identity information can only be also taken by device number, ensure that the safety of user information.
Detailed description of the invention
Fig. 1 is the block schematic illustration for insuring daily charge system the present invention is based on car networking；
Fig. 2 is the flow chart for insuring daily charging method the present invention is based on car networking.
Specific embodiment
Below in conjunction with embodiment, technical solution of the present invention is clearly and completely described, it is clear that described
Embodiment is only a part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, this field
Technical staff's every other embodiment obtained under the premise of not making the creative labor belongs to what the present invention protected
Range.
Refering to fig. 1-2, the present invention provides a kind of insurance based on car networking daily charge system and method:
Embodiment one
As shown in Figure 1, the daily charge system of the insurance based on car networking, including on board unit, cloud platform, interface platform and
Insurance platform.
The on board unit is installed on vehicle, for acquiring the status information of vehicle, and will be in the status information of vehicle
Reach cloud platform.The status information of the vehicle includes the moving condition of vehicle, traveling time of vehicle etc..
In some embodiments, the on board unit includes control module, vehicle-state identification module, communication module and confession
Electric module.
For the communication module for realizing the data communication between on board unit and cloud platform, communication module is wireless data
Communication module, for example, the narrow band communication NB-IOT module of low-power consumption can be used.By foundation, registers, logins, using wireless
The modes such as communication channel are connected to cloud platform by upper-layer protocol, provide lasting, reliable mobile data for entire on board unit
Communications service.
The vehicle-state identification module is used to acquire the status information of vehicle.The vehicle-state identification module acquires shape
The mode of state information has following several: (1) vehicle-state identification module acquires vehicle mounted electric by communication cable/home control network communication protocol
Brain data, to obtain the status information of vehicle；(2) vehicle-state identification module includes corresponding sensor (such as displacement sensing
Device etc., speed probe), vehicle-state identification module detects the operating status of vehicle using these included sensors, from
And it provides and stablizes on board unit, reliable travel condition of vehicle data；(3) vehicle-state identification module is connect using vehicle-mounted OBD
Mouthful carry out travel condition of vehicle data acquisition, the realization of this mode is relatively simple, be integrated in ARM microcontroller for
The data such as the current speed per hour of vehicle, revolving speed can be realized by external CAN transceiver in CAN controller needed for OBD interface communication
Acquisition.
It is described when the vehicle-state identification module carries out the acquisition of travel condition of vehicle data using vehicle-mounted OBD interface
On board unit includes CAN transceiver, and CAN transceiver carries out CAN protocol communication with the OBD interface of vehicle for supporting, CAN transmitting-receiving
Device is used to capture the dominant or recessive differential level on external bus, is then controlled by the CAN that microcontroller integrates
Device and MCU carry out data communication.
The power supply module is used to power for the on board unit.The power supply module is connect with external power supply, external electrical
It is on board unit power supply that external power supply is utilized when source is connected, and is the backup power source charging in power supply module；External power supply disconnects
Backup power source in Shi Liyong power supply module provides the power supply of certain time on board unit.
For handling the status information of the vehicle, and by treated, status information uploads the control module
Cloud platform.The control module use the highly reliable embedded microcontroller module of low-power consumption, be entire on board unit control with
Data acquisition, message center.The control module and power supply module, vehicle-state identification module, communication module, power supply module etc.
Physical connection is carried out, the status information of collected vehicle is subjected to structuring, and device id needed for upper layer application is added (is set
Standby number) etc. metadata, be packaged into the customized data transmission format of upper layer application, cloud be then sent to by communication module and is put down
Platform.
After the status information of the on board unit (vehicle-state identification module) acquisition vehicle, if network it is bad, cannot
(such as on board unit (communication module) is not connected to cloud platform) is sent in time, on board unit (control module) (wraps status information
Include timestamp) it stores, after on board unit (communication module) is connected to cloud platform, immediately by status information (including time
Stamp) it is uploaded to cloud platform.
In some embodiments, the on board unit further includes protective shell, tamper module and outage detection module.
The component that the protective shell is used to protect it internal, the communication module, vehicle-state identification module, power supply mould
Block and control module are located in the protective shell.
The tamper module is used to detect whether the protective shell is opened, and when the protective shell is opened to control mould
Block sends alarm signal.The tamper module includes resistance strain gage and detection module, and the resistance strain gage is based on strain effect
It should make, i.e., when conductor or semiconductor material generate mechanical deformation under the action of external force, resistance value becomes accordingly
Change.By the way that resistance strain gage to be fixed on inside protective shell, and initial deformation amount is set, passed through detection module (such as single-chip microcontroller)
Its resistance value is ceaselessly detected, if protective shell is maliciously dismantled, mechanical deformation will occur for the resistance strain gage in protective shell,
Detection module is able to detect that the variation of resistance value simultaneously, then by serial ports (can also use other feasible schemes) to control
Molding block sends alarm signal, and control module passes through communication module again and sends warning message to cloud platform.Cloud platform receives alarm
This on board unit is closed after information immediately, while sending and noticing to insurance platform, insurance platform makes correspondence according to announcement content
Based on contract corresponding punishment is such as made in movement.
The outage detection module is used to detect the connection situation of on board unit and external power supply.The notice of outage detection module
The heartbeat detection of frequency is fixed to realize outage detection in one preposition single-chip microcontroller and control module, once control module detects
It is communicated to being lost with preposition single-chip microcontroller, that is, assert that at this time then external power supply starts backup power source by malicious sabotage, and by logical
It interrogates module and power alarm information is sent to cloud platform.
The cloud platform receives the status information for the vehicle that the on board unit uploads, and verifies the vehicle same day
Whether expense processing has been carried out, if it is not, the status information of the vehicle is then uploaded, if so, only storage time information.
The cloud platform has calculating, storage and three characteristics of network: possessing a fixed direct-connected IP, it is ensured that TCP
The unimpeded access of communications protocol；With store function, some identity informations of vehicle can be stored (such as the on board unit on vehicle
Device number information etc.), movement state information etc.；Computing function with high performance can largely be calculated in cloud platform.
In some embodiments, request of the cloud platform in the status information for being connected to the on board unit upload vehicle
Afterwards, the password and device number for verifying the on board unit, after the password and device number are verified, cloud platform is received
The status information of the vehicle.
The interface platform receives the status information for the vehicle that the cloud platform uploads, and obtains the true of the vehicle
Then real identity information issues the true identity information and status information of the vehicle；
In some embodiments, request of the interface platform in the status information for being connected to the cloud platform upload vehicle
Afterwards, the password and device number for verifying the on board unit, after the password and device number are verified, interface platform is connect
Receive the status information of the vehicle.
In some embodiments, the method for the true identity information of the vehicle is obtained are as follows: the interface platform is according to institute
The device number for stating on board unit searches the anonymous Identity information of the vehicle, and is restored (such as to the anonymous Identity information
Decryption) obtain the true identity information of the vehicle.
The insurance platform receives the true identity information and status information for the vehicle that the interface platform issues, and
The vehicle is carried out expense processing the insurance premium of the same day (for example, deduct), and the result of expense processing is back to described
Cloud platform.
In some embodiments, the password is made of 1024 random codes, can prevent the dos attack of malice.
Insurance platform carries out there are two types of the modes of expense processing:
One is compulsory insurance for traffic accident of motor-drivenvehicle premium is carried out according to national regulation to be handed over and (hands within i.e. 1 year primary) in year, vehicle business danger premium
Collecting mode is calculated according to day, and specific standards are vehicle business danger premium divided by 1 year natural number of days.With five new car First Years
For Premium, total premium is 5000 yuan, and wherein 950 yuan of compulsory insurance for traffic accident of motor-drivenvehicle premium, business risk premium add up to 4050 yuan, compulsory insurance for traffic accident of motor-drivenvehicle
950 yuan of sexual intercourses of premium are complete, remaining 4050 yuan divided by 365 days (herein 1 year in terms of 365 days, in actual use can voluntarily really
Fixed corresponding calculating number of days) it is equal to 11.09 yuan.So under the easily dangerous platform of vehicle, the vehicle business danger taken off of driving on the day of client
Premium is 11.09 yuan, if the same day does not drive not having to take off vehicle business danger premium.
Another kind is that client's vehicle insurance premium is collected according to year, i.e. compulsory insurance for traffic accident of motor-drivenvehicle and the vehicle business sexual intercourse in danger is complete, if objective
It does not drive on the day of family, i.e., daily returns to the vehicle business danger of certain standard, standard is vehicle business danger premium divided by a Nian Ziran
Number of days.By taking five new car first year premiums are collected as an example, total premium is 5000 yuan, wherein 950 yuan of compulsory insurance for traffic accident of motor-drivenvehicle premium, and business risk is protected
Expense adds up to 4050 yuan.Under the easily dangerous platform of vehicle, does not drive on the day of client, return premium on the day of client, standard of returning is 4050
It was equal to 11.09 yuan divided by 365 days.
When vehicle newly takes a policy daily charge system, insurance platform is believed using the true identity of its public private key pair vehicle
Breath carries out anonymous processing and obtains anonymous Identity information, and the anonymous Identity information is sent to interface platform, and the interface is flat
Platform maps the device number of the on board unit of the vehicle and the anonymous Identity information.
It is as follows that the true identity information of vehicle carries out the step of anonymous processing:
When vehicle easily dangerous platform is newly added in vehicle, corresponding insurance platform (car insurance company) is with its public private key pair
It carries out privacy processing to the true identity of vehicle, first selection random numberAnd it calculates WhereinIt is the true identity information of vehicle, x is the private key of insurance platform, ppubTo protect
The public key of dangerous platform；The anonymous Identity information of insurance platform transmission vehicleTo interface platform, interface platform
The device number of the on board unit of the vehicle and the anonymous Identity information are mapped.
When obtaining the true identity information of vehicle, interface platform finds the anonymous body of mapping by the device number of on board unit
Part information, then utilizes equation using the private key of insurance platformRecover the true body of vehicle
Part informationAnd by the true identity information of vehicleIt is sent to insurance platform.
Since system whole process is using device number mapped mode, there is no the true body of any user in cloud platform and network
Part information, mapping in the database of interface platform using device number and anonymous Identity information MAP mode, even if logical
Anonymous Identity information can only also be taken by crossing device number, ensure that the safety of user information.
Embodiment two
As shown in Fig. 2, the daily charging method of the insurance based on car networking, comprising:
S1. the status information of on board unit acquisition vehicle, and the status information of vehicle is uploaded to cloud platform.
S2. after the password and device number of cloud platform verifying on board unit, password and device number are verified, cloud platform
The status information for the vehicle that the on board unit uploads is received, and verifies whether the vehicle same day has carried out at expense
Reason, if it is not, the status information of the vehicle is then uploaded to interface platform, if so, only storage time information.
S3. after the password and device number of interface platform verifying on board unit, password and device number are verified, interface
Platform receives the status information for the vehicle that the cloud platform uploads, and finds hideing for mapping according to the device number of on board unit
Name identity information restores the anonymous Identity information to obtain the true identity information of the vehicle (as decrypted), then
The true identity information and status information of the vehicle are sent to insurance platform；
S4. insurance platform receives the true identity information and status information for the vehicle that the interface platform issues, and
The vehicle is carried out expense processing the insurance premium of the same day (for example, deduct), and the result of expense processing is back to described
Cloud platform.
The above is only a preferred embodiment of the present invention, it should be understood that the present invention is not limited to described herein
Form should not be regarded as an exclusion of other examples, and can be used for other combinations, modifications, and environments, and can be at this
In the text contemplated scope, modifications can be made through the above teachings or related fields of technology or knowledge.And those skilled in the art institute into
Capable modifications and changes do not depart from the spirit and scope of the present invention, then all should be in the protection scope of appended claims of the present invention
It is interior.
Claims (10)
1. the daily charge system of the insurance based on car networking characterized by comprising
On board unit acquires and uploads the status information of vehicle；
Cloud platform, receives the status information for the vehicle that the on board unit uploads, and whether to verify the vehicle same day
Carry out expense processing, if it is not, then uploading the status information of the vehicle；
Interface platform, receives the status information for the vehicle that the cloud platform uploads, and obtains the true identity of the vehicle
Then information issues the true identity information and status information of the vehicle；
Insurance platform receives the true identity information and status information of the vehicle that the interface platform issues, and to described
Vehicle carries out expense processing, and the result of expense processing is back to the cloud platform.
2. the insurance according to claim 1 based on car networking daily charge system, which is characterized in that the on board unit
Include:
Communication module, for realizing the data communication of the on board unit and cloud platform；
Vehicle-state identification module, for acquiring the status information of vehicle；
Power module, for powering for the on board unit；
Control module is handled for the status information to the vehicle, and status information uploads cloud platform by treated.
3. the insurance according to claim 2 based on car networking daily charge system, which is characterized in that the vehicle-state
Identification module acquires the status information of vehicle by communication cable/home control network communication protocol；And/or
The vehicle-state identification module acquires the status information of vehicle using sensor；And/or
The vehicle-state identification module acquires the status information of vehicle using vehicle-mounted OBD interface.
4. the insurance according to claim 2 based on car networking daily charge system, which is characterized in that the on board unit
Include:
Protective shell, the communication module, vehicle-state identification module, power module and control module are located in the protective shell；
Tamper module is sent for detecting whether the protective shell is opened, and when the protective shell is opened to control module
Alarm signal.
5. the insurance according to claim 4 based on car networking daily charge system, which is characterized in that the tamper module
Include:
Resistance strain gage is fixed in protective shell, and generates mechanical deformation when protective shell is opened and its resistance value is changed
Become；
Detection module, for detecting the resistance value of the resistance strain gage, and after the resistance value of electronics foil gauge changes
Alarm signal is sent to control module, the control module sends warning message to cloud platform.
6. the insurance according to claim 2 based on car networking daily charge system, which is characterized in that the on board unit
Include:
Outage detection module, for detecting the connection situation of on board unit and external power supply.
7. the insurance according to claim 1 based on car networking daily charge system, which is characterized in that the cloud platform exists
After being connected to the request for the status information that the on board unit uploads vehicle, the password and device number of the on board unit are verified,
After the password and device number are verified, cloud platform receives the status information of the vehicle；And/or
The interface platform verifies the on board unit after the request for being connected to the status information that the cloud platform uploads vehicle
Password and device number, after the password and device number are verified, interface platform receives the status information of the vehicle.
8. the insurance according to claim 1 based on car networking daily charge system, which is characterized in that when vehicle is newly added
When insuring daily charge system, insurance platform carries out anonymous processing using the true identity information of its public private key pair vehicle and is hidden
Name identity information, and the anonymous Identity information is sent to interface platform, the interface platform is by the on board unit of the vehicle
Device number mapped with the anonymous Identity information.
9. the insurance according to claim 1 based on car networking daily charge system, which is characterized in that the interface platform
The anonymous Identity information of the vehicle is searched according to the device number of the on board unit, and the anonymous Identity information is carried out extensive
Regain the true identity information of the vehicle.
10. the daily charging method of the insurance based on car networking characterized by comprising
On board unit acquires and uploads the status information of vehicle；
Cloud platform receives the status information for the vehicle that the on board unit uploads, and verify the vehicle same day whether into
Row expense processing, if it is not, then uploading the status information of the vehicle；
Interface platform receives the status information for the vehicle that the cloud platform uploads, and obtains the true identity letter of the vehicle
Breath, then issues the true identity information and status information of the vehicle；
Insurance platform receives the true identity information and status information for the vehicle that the interface platform issues, and to the vehicle
Carry out expense processing, and by expense processing result be back to the cloud platform.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910471135.9A CN110234086B (en) | 2019-05-31 | 2019-05-31 | Insurance daily charging system and method based on Internet of vehicles |
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|---|---|---|---|
| CN201910471135.9A CN110234086B (en) | 2019-05-31 | 2019-05-31 | Insurance daily charging system and method based on Internet of vehicles |
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| CN110234086B CN110234086B (en) | 2022-04-15 |
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