CN110349030A - Car insurance price arrangement method and system based on vehicle driving big data - Google Patents
Car insurance price arrangement method and system based on vehicle driving big data Download PDFInfo
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- CN110349030A CN110349030A CN201810297253.8A CN201810297253A CN110349030A CN 110349030 A CN110349030 A CN 110349030A CN 201810297253 A CN201810297253 A CN 201810297253A CN 110349030 A CN110349030 A CN 110349030A
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- 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
- G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
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Abstract
The present invention discloses a kind of car insurance price arrangement method and system based on vehicle driving big data, the car insurance price arrangement method based on vehicle driving big data includes: to analyze user's drive routine behavior according to the driving data of vehicle, obtain the insurance charging regulation data of insurance company, receive the purchase vehicle insurance instruction, obtain the insurance charging regulation data of the behavior of user's drive routine and insurance company that are stored in cloud platform service terminal, according to the corresponding relationship between pre-set user's drive routine behavior and the insurance charging regulation of insurance company, obtain the corresponding safety measures of user, the present invention is directed to the drive routine behavioral data of different car owners, set the vehicle insurance declaration form with differentiation, the ranking of insurance premium is carried out for different vehicles, car owner can recognize the vehicle insurance expense of oneself in same style Ranking in number vehicle and same usage time interval, to know how that operation could reduce vehicle insurance expense.
Description
Technical field
The present invention relates to financial technical field is insured, more particularly to a kind of car insurance based on vehicle driving big data
Price arrangement method and system.
Background technique
With increasing for road vehicle, that there is a situation where traffic accidents is also more and more for vehicle, therefore car insurance is also
What car owner required to pay every year, when accident occurs for vehicle, car insurance can play great guaranteeing role to car owner.
In the prior art when car owner needs to pay vehicle insurance expense, usually insurance sales business personnel makes house calls or vehicle
Zhu Qu insurance company transacting business, low efficiency waste a lot of manpower and material resources, and insurance company does not know that vehicle is annual
Running data and user's drive routine behavior, for different car owners, Insurance Pricing does not have difference, therefore can not be for difference
Vehicle carry out the ranking of insurance premium, car owner can not know the vehicle insurance expense of oneself in same model vehicle and same use
Ranking in period.
Summary of the invention
In view of the foregoing deficiencies of prior art, the purpose of the present invention is to provide one kind to be based on vehicle driving big data
Car insurance price arrangement method and system, insurance premium can not be carried out for different vehicle in the prior art for solving
Ranking, car owner can not know ranking of the vehicle insurance expense of oneself in same model vehicle and same usage time interval
The problem of.
In order to achieve the above objects and other related objects, the present invention provides a kind of vehicle guarantor based on vehicle driving big data
Dangerous price arrangement method, the car insurance price arrangement method based on vehicle driving big data include: to acquire driving for vehicle
Sail data；User's drive routine behavior is analyzed according to the driving data of the vehicle；Obtain the insurance charging rule of insurance company
Then 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 obtains
User's vehicle insurance electronic insurance policy is taken, and calls the vehicle insurance price list of insurance company, show that the vehicle insurance expense of user exists
Ranking in same model vehicle and same usage time interval；It receives and illustrates user's vehicle insurance electronic insurance policy, and say
Ranking of the vehicle insurance expense of bright user in same model vehicle and same usage time interval；It is protected according to user's vehicle insurance electronics
It is single, the disbursement insurance amount of money.
As a preferred solution of the present invention, the insurance charging regulation data for obtaining insurance company show that user is corresponding
Safety measures include: obtain insurance company insurance charging regulation data；It stores the behavior of user's drive routine and insurance is public
The insurance charging regulation data of department；Purchase vehicle insurance instruction is received, the user that acquisition is stored in cloud platform service terminal is daily to drive
The insurance charging regulation data for sailing behavior and insurance company, according to pre-set user's drive routine behavior and insurance company
Insurance charging regulation between corresponding relationship, obtain the corresponding safety measures of user.
As a preferred solution of the present invention, the driving data of the vehicle includes the picture of vehicle in the process of moving
Data, the crash data of vehicle, vehicle speed data in the process of moving, vehicle acceleration information in the process of moving,
VMT Vehicle-Miles of Travel data.
As a preferred solution of the present invention, user's drive routine behavior includes that overspeed of vehicle, vehicle touch
It hits, the variation of vehicle violation and vehicle acceleration amplitude.
To achieve the above object, the present invention also provides a kind of car insurance price ranking system based on vehicle driving big data
System, the car insurance price ranking system based on vehicle driving big data includes: vehicle drive data acquisition module, is used for
Acquire the driving data of vehicle；Vehicle drive behavioural analysis module, for analyzing user according to the driving data of the vehicle
Drive routine behavior；Insurance company's accounting module, for obtaining the insurance charging regulation data of insurance company；Cloud platform service is eventually
End, is connected, for storing respectively with vehicle drive behavioural analysis module, insurance company's accounting module, vehicle insurance message processing module
The insurance charging regulation data of the behavior of user's drive routine and insurance company；Vehicle insurance instruction sending module is bought, for sending
The purchase vehicle insurance of user instructs；Vehicle insurance message processing module, for receiving the purchase vehicle insurance instruction, acquisition is stored in cloud platform
The insurance charging regulation data of the behavior of user's drive routine and insurance company in service terminal, according to pre-set user
Corresponding relationship between drive routine behavior and the insurance charging regulation of insurance company, obtains the corresponding safety measures of user；Vehicle
Dangerous electronic insurance policy automatically-generating module, for generating user's vehicle insurance electronic insurance policy according to the corresponding safety measures of user；Vehicle insurance valence
Lattice ranking module is obtained for obtaining user's vehicle insurance electronic insurance policy, and the vehicle insurance price list of calling insurance company
Ranking of the vehicle insurance expense of user in same model vehicle and same usage time interval；The reception of vehicle insurance electronic insurance policy illustrates mould
Block, for receiving and illustrate user's vehicle insurance electronic insurance policy, and illustrate the vehicle insurance expense of user same model vehicle with
And the ranking in same usage time interval；Payment module receives specification module with the vehicle insurance electronic insurance policy and is connected, is used for basis
User's vehicle insurance electronic insurance policy, the disbursement insurance amount of money.
As a preferred solution of the present invention, the vehicle drive data acquisition module includes camera, collision sensing
Device, velocity sensor, acceleration transducer, odometer sensor, wherein camera, for receiving vehicle in the process of moving
Image data；Crash sensor, for receiving the crash data of vehicle；Velocity sensor, for detecting vehicle in driving process
In speed data；Acceleration transducer, for detecting the acceleration information of vehicle in the process of moving；Odometer sensor is used
In acquisition vehicle driving mileage data；The camera, crash sensor, velocity sensor, acceleration transducer, mileage sensing
Device is connected with vehicle drive behavioural analysis module.
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, the vehicle insurance expense for speech explanation user vehicle insurance electronic insurance policy and user is in same model vehicle and same
Ranking in usage time interval；The electronic insurance policy receiving unit respectively with vehicle insurance electronic insurance policy automatically-generating module, payment mould
Block is connected, and voice broadcast unit is connected with vehicle insurance electronic insurance policy automatically-generating module, vehicle insurance price ranking module respectively.
As a preferred solution of the present invention, the driving data of the vehicle includes the picture of vehicle in the process of moving
Data, the crash data of vehicle, vehicle speed data in the process of moving, the acceleration information of vehicle in the process of moving.
As a preferred solution of the present invention, user's drive routine behavior includes that overspeed of vehicle, vehicle touch
It hits, the variation of vehicle violation and vehicle acceleration amplitude.
As a preferred solution of the present invention, the vehicle drive data acquisition module is adopted by car networking communication gate
Collect the driving data of vehicle.
As described above, a kind of car insurance price arrangement method and system based on vehicle driving big data of the invention,
It has the advantages that
1, the present invention analyzes user's drive routine behavior according to the driving data of vehicle, according to pre-set user day
Corresponding relationship between normal driving behavior and the insurance charging regulation of insurance company, obtains the corresponding safety measures of user, this hair
The bright drive routine behavioral data for different car owners sets the vehicle insurance declaration form with differentiation, can be directed to different vehicles
Carry out the ranking of insurance premium, car owner can recognize oneself vehicle insurance expense in same model vehicle and same use the time
Ranking in section, to know how that operation could reduce vehicle insurance expense, intelligence degree of the invention is high, time saving province
Power.
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, vehicle drive data acquisition module of the invention acquires the driving data of vehicle by car networking communication gate, real
Existing link communication channel, transmission data speed is fast, and the delay of Millisecond can be realized the real-time Transmission of driving data.
4, the present invention is simple and efficient, and is had stronger versatility and practicability, is had wide range of applications.
Detailed description of the invention
Fig. 1 is shown as the process signal of the car insurance price arrangement method of the invention based on vehicle driving big data
Figure.
Fig. 2 is shown as the structural representation of the car insurance price ranking system of the invention based on vehicle driving big data
Figure.
Fig. 3 is shown as the vehicle drive number of the car insurance price ranking system of the invention based on vehicle driving big data
According to the structural schematic diagram of acquisition module.
The vehicle insurance electronics that Fig. 4 is shown as the car insurance price ranking system of the invention based on vehicle driving big data is protected
Single structural schematic diagram for receiving specification module.
Component label instructions
The 1 car insurance price ranking system based on vehicle driving big data
10 purchase vehicle insurance instruction sending modules
20 vehicle drive data acquisition modules
21 cameras
22 crash sensors
23 velocity sensors
24 acceleration transducers
25 odometer sensors
30 vehicle drive behavioural analysis modules
40 cloud platform service terminals
50 vehicle insurance message processing modules
60 vehicle insurance electronic insurance policy automatically-generating modules
70 vehicle insurance electronic insurance policies receive specification module
71 electronic insurance policy receiving units
72 voice broadcast units
80 payment modules
90 insurance company's accounting modules
100 vehicle insurance price ranking modules
S1~S10 step
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 price arrangement method and system based on vehicle driving big data, the present invention
The ranking of insurance premium can be carried out for different vehicles, car owner can recognize the vehicle insurance expense of oneself in same model vehicle
And same usage time interval in ranking, thus know how operation could reduce vehicle insurance expense, intelligence of the invention
Degree height can be changed, it is time saving and energy saving.
The present embodiment provides a kind of, and the car insurance price arrangement method based on vehicle driving big data please specifically join
Fig. 1 is read, the car insurance price arrangement method based on vehicle driving big data includes:
Step S1 acquires the driving data of vehicle.
In step sl, the driving data for acquiring vehicle is real-time perfoming operation.
Step S2 analyzes user's drive routine behavior according to the driving data of the vehicle.
Step S3 obtains the insurance charging regulation data of insurance company.
In step s3, 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 S4 stores the insurance charging regulation data of the behavior of user's drive routine and insurance company.
Step S5 sends the purchase vehicle insurance instruction of user.
In step s 5, in the case where user needs to buy vehicle insurance, the purchase vehicle insurance instruction of meeting active transmission user.
Step S6 receives the purchase vehicle insurance instruction, obtains the user's drive routine being stored in cloud platform service terminal
The insurance charging regulation data of behavior and insurance company, according to pre-set user's drive routine behavior and insurance company
Insure the corresponding relationship between charging regulation, obtains the corresponding safety measures of user.
In step s 6, the corresponding relationship between the behavior of user's drive routine and the insurance charging regulation of insurance company, i.e.,
For the mapping relations between the behavior of user's drive routine and the insurance charging regulation of insurance company.
Step S7 generates user's vehicle insurance electronic insurance policy according to the corresponding safety measures of user.
Step S8 obtains user's vehicle insurance electronic insurance policy, and calls the vehicle insurance price list of insurance company, obtains
Ranking of the vehicle insurance expense of user in same model vehicle and same usage time interval.
In step s 8, after obtaining user's vehicle insurance electronic insurance policy, user's vehicle insurance price can be obtained, according to user's vehicle
Dangerous price searches this vehicle in same model vehicle, same usage time interval in the vehicle insurance price list of insurance company
Ranking.
The vehicle insurance price list of the insurance company is in the state of real-time update comprising license plate number, vehicle type
Number, vehicle using the time, pay insurance number.
Specifically, ranking of the vehicle insurance expense of user in same usage time interval, refers to that the vehicle insurance expense of user exists
The ranking of usage time interval no more than 3 middle of the month vehicle, increases the limitation of same model vehicle and same usage time interval
Condition keeps the reliability of car insurance price ranking higher.
Step S9 is received and is illustrated user's vehicle insurance electronic insurance policy, and illustrates the vehicle insurance expense of user in same style
Ranking in number vehicle and same usage time interval.
Step S10, according to user's vehicle insurance electronic insurance policy, the disbursement insurance amount of money.
Specifically, in the present embodiment, the driving data of the vehicle includes but is not limited to: vehicle is in the process of moving
Image data, the crash data of vehicle, vehicle speed data in the process of moving, the acceleration degree of vehicle in the process of moving
According to, VMT Vehicle-Miles of Travel data.
Specifically, in the present embodiment, user's drive routine behavior includes but is not limited to: overspeed of vehicle, vehicle hair
Raw collision, vehicle violation and the variation of vehicle acceleration amplitude.It collides in case of overspeed of vehicle, vehicle, vehicle violation
And situations such as vehicle acceleration amplitude variation, the insurance premium of corresponding insurance company will also increase.
Referring to Fig. 2, similarly with embodiment of the method principle, the present invention provides one kind to be based on vehicle driving big data
Car insurance price ranking system 1, specifically, the car insurance price ranking system 1 based on vehicle driving big data
It include: vehicle drive data acquisition module 20, for acquiring the driving data of vehicle；Vehicle drive behavioural analysis module 30 is used
In analyzing user's drive routine behavior according to the driving data of the vehicle；Insurance company's accounting module 90 is protected for obtaining
The insurance charging regulation data of dangerous company；Cloud platform service terminal 40, it is public with vehicle drive behavioural analysis module 30, insurance respectively
It is connected to take charge of accounting module 90, vehicle insurance message processing module 50, for storing the guarantor of the behavior of user's drive routine and insurance company
Dangerous charging regulation data；Vehicle insurance instruction sending module 10 is bought, the purchase vehicle insurance for sending user instructs；Vehicle insurance information processing
Module 50 obtains the user's drive routine behavior being stored in cloud platform service terminal for receiving the purchase vehicle insurance instruction
And the insurance charging regulation data of insurance company, according to the insurance of the pre-set behavior of user's drive routine and insurance company
Corresponding relationship between charging regulation obtains the corresponding safety measures of user；Vehicle insurance electronic insurance policy automatically-generating module 60, is used for
According to the corresponding safety measures of user, user's vehicle insurance electronic insurance policy is generated；Vehicle insurance price ranking module 100, it is described for obtaining
User's vehicle insurance electronic insurance policy, and the vehicle insurance price list of insurance company is called, obtain the vehicle insurance expense of user in same style
Ranking in number vehicle and same usage time interval；Vehicle insurance electronic insurance policy receives specification module 70, for receiving and illustrating institute
User's vehicle insurance electronic insurance policy is stated, and illustrates the vehicle insurance expense of user in same model vehicle and same usage time interval
Ranking；Payment module 80 receives specification module 70 with the vehicle insurance electronic insurance policy and is connected, for being protected according to user's vehicle insurance electronics
It is single, the disbursement insurance amount of money.
Specifically, in the present embodiment, the vehicle insurance price list of the insurance company is stored in database profession, vehicle insurance valence
Lattice ranking module 100 calls the vehicle insurance price list of the insurance company in database.
Specifically, in the present embodiment, it is real that the vehicle drive data acquisition module 20, which acquires the driving data of vehicle,
Shi Jinhang operation.
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 90 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 40 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. 3, the vehicle drive data acquisition module 20 includes but is not limited to:
Camera 21, crash sensor 22, velocity sensor 23, acceleration transducer 24, odometer sensor 25, wherein camera 21,
For receiving the image data of vehicle in the process of moving；Crash sensor 22, for receiving the crash data of vehicle；Speed passes
Sensor 23, for detecting the speed data of vehicle in the process of moving；Acceleration transducer 24 is being run over for detecting vehicle
Acceleration information in journey；Odometer sensor 25, for acquiring vehicle driving mileage data；The camera 21, collision sensing
Device 22, velocity sensor 23, acceleration transducer 24, odometer sensor 25 are connected with vehicle drive behavioural analysis module 30.
Specifically, in the present embodiment, crash sensor 22 uses gravity sensing sensor, when colliding, collision
The crash data that sensor 22 acquires vehicle is sent to vehicle drive behavioural analysis module 30 in real time.
Camera 21 acquires the image data of vehicle in the process of moving, the information such as including parking offense, the camera
Image data is sent to vehicle drive behavioural analysis module 30 by ONVIF agreement by 21.
Specifically, in the present embodiment, referring to Fig. 4, it includes electronics that the vehicle insurance electronic insurance policy, which receives specification module 70,
Declaration form receiving unit 71 and voice broadcast unit 72, wherein electronic insurance policy receiving unit 71, for receiving user's vehicle insurance electricity
Sub- declaration form；Voice broadcast unit 72, for the vehicle insurance expense of speech explanation user vehicle insurance electronic insurance policy and user in same style
Ranking in number vehicle and same usage time interval；The electronic insurance policy receiving unit 71 is automatic with vehicle insurance electronic insurance policy respectively
Generation module 60, payment module 80 be connected, voice broadcast unit 72 respectively with vehicle insurance electronic insurance policy automatically-generating module 60, vehicle insurance
Price ranking module 100 is connected.
Specifically, in the present embodiment, voice broadcast unit 72 uses loudspeaker, speech explanation user's vehicle insurance electronic insurance policy
In information and illustrate ranking of the vehicle insurance expense of user in same model vehicle and same usage time interval.
It should be understood that payment module 80 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 70, payment module 80 is all set in
In vehicle device.
Specifically, in the present embodiment, the driving data of the vehicle includes but is not limited to: vehicle is in the process of moving
Image data, the crash data of vehicle, vehicle speed data in the process of moving, the acceleration degree of vehicle in the process of moving
According to.
Specifically, in the present embodiment, user's drive routine behavior includes but is not limited to: overspeed of vehicle, vehicle hair
Raw collision, vehicle violation and the variation of vehicle acceleration amplitude.
Specifically, in the present embodiment, the payment module 80 and vehicle insurance electronic insurance policy receive and lead between specification module 70
Wireless network is crossed to be connected.
Specifically, in the present embodiment, the vehicle drive data acquisition module 20 is acquired by car networking communication gate
The driving data of vehicle, the car networking communication gate are the vehicle mounted guidance that can connect network, realize link communication channel,
Transmission data speed is fast, and the delay of Millisecond can be realized the real-time Transmission of driving data.
In conclusion the car insurance price arrangement method and system of the invention based on vehicle driving big data being capable of root
According to the corresponding relationship between pre-set user's drive routine behavior and the insurance charging regulation of insurance company, user couple is obtained
The safety measures answered, the present invention are directed to the drive routine behavioral data of different car owners, set the vehicle insurance declaration form with differentiation, energy
The ranking of insurance premium is enough carried out for different vehicles, car owner can recognize the vehicle insurance expense of oneself in same model vehicle
And the ranking in same usage time interval, to know how that operation could reduce vehicle insurance expense, intelligence of the invention
Change degree 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.
Claims (10)
1. the car insurance price arrangement method based on vehicle driving big data, which is characterized in that described big based on vehicle driving
The car insurance price arrangement method of data includes:
Acquire the driving data of vehicle；
User's drive routine behavior is analyzed according to the driving data of the vehicle；
The insurance charging regulation data for obtaining insurance company, obtain the corresponding safety measures of user；
According to the corresponding safety measures of user, user's vehicle insurance electronic insurance policy is generated；
User's vehicle insurance electronic insurance policy is obtained, and calls the vehicle insurance price list of insurance company, obtains the vehicle insurance of user
Ranking of the expense in same model vehicle and same usage time interval；
It receives and illustrates user's vehicle insurance electronic insurance policy, and illustrate the vehicle insurance expense of user in same model vehicle and same
Ranking in one usage time interval；
According to user's vehicle insurance electronic insurance policy, the disbursement insurance amount of money.
2. the car insurance price arrangement method according to claim 1 based on vehicle driving big data, which is characterized in that
The insurance charging regulation data for obtaining insurance company, show that the corresponding safety measures of user include:
Obtain the insurance charging regulation data of insurance company；
Store the insurance charging regulation data of the behavior of user's drive routine and insurance company；
Purchase vehicle insurance instruction is received, the behavior of user's drive routine and the insurance company being stored in cloud platform service terminal are obtained
Insurance charging regulation data, according between pre-set user's drive routine behavior and the insurance charging regulation of insurance company
Corresponding relationship, obtain the corresponding safety measures of user.
3. the car insurance price arrangement method according to claim 1 or 2 based on vehicle driving big data, feature exist
In: the driving data of the vehicle include vehicle image data in the process of moving, vehicle crash data, vehicle travelling
Speed data in the process, vehicle acceleration information in the process of moving, VMT Vehicle-Miles of Travel data.
4. the car insurance price arrangement method according to claim 3 based on vehicle driving big data, it is characterised in that:
User's drive routine behavior includes overspeed of vehicle, vehicle collides, vehicle violation and vehicle acceleration amplitude change.
5. the car insurance price ranking system based on vehicle driving big data, which is characterized in that described big based on vehicle driving
The car insurance price ranking system of data includes:
Vehicle drive data acquisition module, for acquiring the driving data of vehicle；
Vehicle drive behavioural analysis module, for analyzing user's drive routine behavior according to the driving data of the vehicle；
Insurance company's accounting module, for obtaining the insurance charging regulation data of insurance company；
Cloud platform service terminal, respectively with vehicle drive behavioural analysis module, insurance company's accounting module, vehicle insurance information processing mould
Block is connected, for storing the insurance charging regulation data of the behavior of user's drive routine and insurance company；
Vehicle insurance instruction sending module is bought, the purchase vehicle insurance for sending user instructs；
Vehicle insurance message processing module obtains the use being stored in cloud platform service terminal for receiving the purchase vehicle insurance instruction
The insurance charging regulation data of family drive routine behavior and insurance company, according to pre-set user's drive routine behavior with
Corresponding relationship between the insurance charging regulation of insurance company, obtains the corresponding safety measures of user；
Vehicle insurance electronic insurance policy automatically-generating module, for generating user's vehicle insurance electronic insurance policy according to the corresponding safety measures of user；
Vehicle insurance price ranking module, for obtaining user's vehicle insurance electronic insurance policy, and the vehicle insurance price of calling insurance company
List obtains ranking of the vehicle insurance expense of user in same model vehicle and same usage time interval；
Vehicle insurance electronic insurance policy receives specification module, for receiving and illustrate user's vehicle insurance electronic insurance policy, and illustrates user
Ranking of the vehicle insurance expense in same model vehicle and same usage time interval；
Payment module receives specification module with the vehicle insurance electronic insurance policy and is connected, for according to user's vehicle insurance electronic insurance policy, payment
Insured amount.
6. the car insurance price ranking system according to claim 5 based on vehicle driving big data, it is characterised in that:
The vehicle drive data acquisition module includes camera, crash sensor, velocity sensor, acceleration transducer, mileage biography
Sensor, wherein
Camera, for receiving the image data of vehicle in the process of moving；
Crash sensor, for receiving the crash data of vehicle；
Velocity sensor, for detecting the speed data of vehicle in the process of moving；
Acceleration transducer, for detecting the acceleration information of vehicle in the process of moving；
Odometer sensor, for acquiring vehicle driving mileage data；
The camera, crash sensor, velocity sensor, acceleration transducer, odometer sensor with vehicle drive behavior
Analysis module is connected.
7. the car insurance price ranking system according to claim 6 based on vehicle driving big data, it is characterised in that:
It includes electronic insurance policy receiving unit and voice broadcast unit that the vehicle insurance electronic insurance policy, which receives specification module, wherein
Electronic insurance policy receiving unit, for receiving user's vehicle insurance electronic insurance policy；
Voice broadcast unit, for the vehicle insurance expense of speech explanation user vehicle insurance electronic insurance policy and user in same model vehicle
And same usage time interval in ranking；
The electronic insurance policy receiving unit is connected with vehicle insurance electronic insurance policy automatically-generating module, payment module respectively, voice broadcast
Unit is connected with vehicle insurance electronic insurance policy automatically-generating module, vehicle insurance price ranking module respectively.
8. the car insurance price ranking system according to claim 7 based on vehicle driving big data, it is characterised in that:
The driving data of the vehicle include vehicle image data in the process of moving, vehicle crash data, vehicle running over
The acceleration information of speed data, vehicle in the process of moving in journey.
9. the car insurance price ranking system according to claim 5~8 any one based on vehicle driving big data,
It is characterized by: user's drive routine behavior includes overspeed of vehicle, vehicle collides, vehicle violation and vehicle accelerate
The variation of degree amplitude.
10. the car insurance price ranking system according to claim 9 based on vehicle driving big data, feature exist
In: the driving data that the vehicle drive data acquisition module passes through car networking communication gate acquisition vehicle.
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Address after: 201822 No.208, building 4, no.1411, Yecheng Road, Jiading Industrial Zone, Jiading District, Shanghai Applicant after: Botai vehicle networking technology (Shanghai) Co.,Ltd. Address before: 201822 No.208, building 4, no.1411, Yecheng Road, Jiading Industrial Zone, Jiading District, Shanghai Applicant before: SHANGHAI PATEO ELECTRONIC EQUIPMENT MANUFACTURING Co.,Ltd. |
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Application publication date: 20191018 |