CN110827152A - Insurance evaluation method, system and server - Google Patents
Insurance evaluation method, system and server Download PDFInfo
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- CN110827152A CN110827152A CN201910984905.XA CN201910984905A CN110827152A CN 110827152 A CN110827152 A CN 110827152A CN 201910984905 A CN201910984905 A CN 201910984905A CN 110827152 A CN110827152 A CN 110827152A
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- 238000011156 evaluation Methods 0.000 title claims abstract description 53
- 238000000034 method Methods 0.000 claims abstract description 30
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- 230000000875 corresponding effect Effects 0.000 description 24
- 238000012790 confirmation Methods 0.000 description 6
- 238000013475 authorization Methods 0.000 description 4
- 206010039203 Road traffic accident Diseases 0.000 description 3
- 230000000694 effects Effects 0.000 description 3
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The invention discloses an insurance evaluation method, a system and a server, wherein the insurance evaluation method comprises the following steps: the method comprises the steps that a vehicle-mounted terminal obtains real-time driving data of a vehicle in the driving process of the vehicle and sends the real-time driving data to a server; and the server determines the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle. The insurance evaluation method provided by the invention provides more convenient and accurate personalized insurance service by analyzing the real-time driving data of the vehicle.
Description
Technical Field
The invention relates to the field of insurance, in particular to an insurance evaluator system and a server.
Background
Vehicle insurance is essential for the driver. At present, when an insurance company evaluates vehicle insurance, the evaluation is carried out only based on historical information of the insurance or identity information of a driver, however, factors such as different driving habits, driving routes, geographical weather time and the like can influence the rationality of the vehicle insurance.
The foregoing description is provided for general background information and is not admitted to be prior art.
Disclosure of Invention
The invention aims to provide an insurance evaluation method, system and server, which can provide more convenient and accurate personalized insurance service.
In order to solve the above technical problem, the present application provides an insurance evaluation method, including:
the method comprises the steps that a vehicle-mounted terminal obtains real-time driving data of a vehicle in the driving process of the vehicle and sends the real-time driving data to a server;
and the server determines the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
Further, the server determines the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle, and comprises the following steps:
the server calculates a real-time risk factor according to the real-time driving data;
calculating a comprehensive risk factor according to the real-time risk factor and a historical risk factor corresponding to the acquired historical driving data of the vehicle;
and acquiring the premium grade corresponding to the comprehensive risk factor as the premium grade of the vehicle.
Further, the real-time driving data includes driving data, path information, position information and time information, and the server calculates real-time risk factors according to the real-time driving data, including:
the server calculates a driving habit risk factor according to the driving data, calculates a path habit factor according to the path information, and calculates a weather risk factor according to the position information and the time information;
and the server calculates and obtains a real-time risk factor according to the driving habit risk factor, the path habit risk factor and the weather risk factor.
Further, the insurance evaluation method further includes:
the server judges whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, the server determines an insurance project according to the real-time driving data, and calculates insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and the server pushes the insurance scheme to the vehicle-mounted terminal or the associated mobile terminal.
Further, the insurance evaluation method further includes:
and the server sends risk alarm information to the vehicle-mounted terminal according to the premium grade.
The present application also provides an insurance evaluation system, including: a vehicle-mounted terminal and a server;
the vehicle-mounted terminal is used for acquiring real-time driving data of the vehicle in the driving process of the vehicle and sending the real-time driving data to the server;
and the server is used for determining the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
Further, the server is further configured to:
judging whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, determining an insurance project according to the real-time driving data, and calculating insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and pushing the insurance scheme to the vehicle-mounted terminal.
The application also provides an insurance evaluation method, which is applied to the server and comprises the following steps:
receiving real-time driving data of a vehicle, which is sent by a vehicle-mounted terminal in the driving process of the vehicle;
and determining the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
Further, the insurance evaluation method applied to the server further includes:
judging whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, determining an insurance project according to the real-time driving data, and calculating insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and pushing the insurance scheme to the vehicle-mounted terminal or the associated mobile terminal.
The application also provides a server, which comprises a memory and a processor, wherein the memory stores at least one program instruction, and the processor loads and executes the at least one program instruction to realize the insurance evaluation method applied to the server.
The insurance evaluation method, the insurance evaluation system and the server comprise the following steps: the method comprises the steps that a vehicle-mounted terminal obtains real-time driving data of a vehicle in the driving process of the vehicle and sends the real-time driving data to a server; and the server determines the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle. The insurance evaluation method provided by the invention provides more convenient and accurate personalized insurance service by analyzing the real-time driving data of the vehicle.
The foregoing description is only an overview of the technical solutions of the present application, and in order to make the technical means of the present application more clearly understood, the present application may be implemented in accordance with the content of the description, and in order to make the above and other objects, features, and advantages of the present application more clearly understood, the following preferred embodiments are described in detail with reference to the accompanying drawings.
Drawings
FIG. 1 is a schematic flow chart illustrating an insurance evaluation method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of an insurance evaluation method according to an embodiment of the present invention;
FIG. 3 is a schematic structural diagram of an insurance evaluation system according to an embodiment of the present invention;
FIG. 4 is a schematic flow chart illustrating another insurance evaluation method according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
To further illustrate the technical means and effects of the present application for achieving the purpose of subscribing applications, the following detailed description is provided with reference to the accompanying drawings and preferred embodiments for specific implementation manners, methods, steps, structures, features and effects of the positioning method of the mobile terminal, the vehicle-mounted terminal and the mobile terminal according to the present application.
The foregoing and other technical matters, features and effects of the present application will be apparent from the following detailed description of preferred embodiments, which is to be read in connection with the accompanying drawings. While the present application is susceptible to particular embodiments and features, it is to be understood that various changes, modifications and substitutions may be made therein without departing from the spirit and scope of the present application.
As shown in fig. 1, an insurance evaluation method provided for an embodiment of the present invention includes the following steps:
step S101: the vehicle-mounted terminal acquires real-time driving data of the vehicle in the driving process of the vehicle and sends the real-time driving data to the server.
During the running process of the vehicle, the vehicle-mounted terminal collects data of various sensors of the vehicle, such as vehicle speed, various medium temperatures, engine operating conditions, brake steering frequency, Global Positioning System (GPS) data, running record images and other real-time running data of the vehicle and sends the data to the server, and the server stores, analyzes and calculates the real-time running data.
Step S102: the server determines the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
The server analyzes the real-time driving data and the historical driving data, calculates the premium grade of the corresponding vehicle, determines whether the vehicle owner belongs to a high-quality insurance client or not according to the premium grade, and determines whether the insurance platform provides data evaluation for insurance of the vehicle owner. Specifically, the server integrates the running data accumulated by the vehicle, analyzes the running state, road traffic condition, position, time and the like of the vehicle, and presumes and identifies the current behavior scene of the driver and the vehicle, thereby confirming the premium grade of the insurance guarantee service and judging whether to give insurance service to the vehicle owner. It should be noted that, here, determining whether to give insurance service to the car owner includes: and judging whether an insurance item meeting the current behavior scene of the vehicle owner exists or not, and judging whether the vehicle owner meets the insurance application condition or not.
In one embodiment, the server determines the premium level of the vehicle according to the real-time running data and the acquired historical running data of the vehicle, and comprises the following steps:
the server calculates a real-time risk factor according to the real-time driving data;
calculating a comprehensive risk factor according to the real-time risk factor and a historical risk factor corresponding to the acquired historical driving data of the vehicle;
and acquiring the premium grade corresponding to the comprehensive risk factor as the premium grade of the vehicle.
The real-time risk factor is a result of risk assessment based on real-time driving data, and reflects the accident risk level of the current vehicle in the driving process, during assessment, the risk can be assessed only by using the real-time driving data, for example, the risk is assessed by analyzing the driving habits and the path habits of the user, during assessment, more associated data can be obtained based on the relevant information of the real-time driving data to perform comprehensive assessment, for example, the risk is assessed by analyzing the weather factors of the environment according to the current time and place and combining the driving habits and the path habits of the user. The historical risk factor is a result of risk evaluation based on historical driving data, and reflects the accident risk level of the current vehicle in the process of driving all the time, the historical driving data is accumulated driving data of a certain time period before the current driving, the time range of the accumulated driving data can be one year, half year, three months or the like, and the evaluation mode of the historical risk factor can be the same as that of the real-time risk factor. And finally, calculating the real-time risk factor and the historical risk factor to obtain a comprehensive risk factor, and comprehensively comparing the two factors to evaluate the risk more accurately. Preferably, when the real-time risk factor and the historical risk factor are calculated comprehensively, the weight of the historical risk factor may be set to be greater than that of the real-time risk factor, for example, the historical risk factor may be weighted by 0.6, and the real-time risk factor may be weighted by 0.4 and then summed to obtain the value of the comprehensive risk factor.
In one embodiment, the real-time driving data includes driving data, path information, position information and time information, and the server calculates a real-time risk factor according to the real-time driving data, including:
the server calculates driving habit risk factors according to the driving data, calculates path habit factors according to the path information, and calculates weather risk factors according to the position information and the time information;
and the server calculates and obtains a real-time risk factor according to the driving habit risk factor, the path habit risk factor and the weather risk factor.
Table 1 shows the reference factors for the real-time risk factors. As shown in table 1, the server analyzes the driving data, the path information and the related weather data of the user according to the real-time driving data, calculates the corresponding risk factor according to the probability of the traffic accident, and gives the corresponding high risk factor value if the driving habit of the driver is high in sudden braking frequency or frequent in lane change; if the driving path is a traffic accident multi-occurrence road section, giving a corresponding high risk factor value, and conversely, if the driving path is a less congested road section, giving a corresponding low risk factor value; furthermore, driving risk may also be assessed from weather data, wherein the calculation of the weather risk factor may combine location information and time information, such as: the "vehicle condition + location track + weather + time" data identifies recent inclement weather, identifying the weather risk factor for the user. In rainy or snowy inclement weather, a corresponding high risk factor value is given, and in sunny days, a corresponding low risk factor value is given. In the process of evaluating the risk factors, different weighted values can be given to different evaluation data according to the influence weight of the driving data, and if the driving habit risk factor is set to be larger than the path habit risk factor, the calculated risk factor value is more accurate.
TABLE 1 reference factors for real-time risk factors
| Real-time risk factor | Driving data | Path information | Weather data |
| Frequency of sudden braking | Traffic accidents frequently occur | Rainy day | |
| Frequency of lane change | Congested road section | Snow sky | |
| Less congestion | |||
| No congestion accident |
Fig. 2 is a schematic flowchart of an insurance evaluation method according to an embodiment of the present invention. As shown in fig. 2, the server collects real-time driving data of the vehicle, such as driving track information, position information, time information, and the like. On one hand, corresponding weather information is obtained according to the position information and the time information, on the other hand, path information is obtained according to the driving track information, and the driving data of the user are calculated according to the movement speed, the acceleration and the movement direction angle. And calculating a weather risk factor, a path habit risk factor and a driving habit risk factor according to the real-time driving data. And finally, calculating a real-time risk factor according to the weighting corresponding to the factor, wherein the real-time risk factor can be used for evaluating the premium grade of the user so as to determine whether the user needs to be provided with insurance and the insurance rate of the user.
In this embodiment, the algorithm of the historical risk factor is the same as the algorithm of the real-time risk factor, and is not described again.
After the server calculates the comprehensive risk factor of the vehicle according to the historical risk factor and the real-time risk factor, the corresponding premium grade can be obtained according to the numerical value of the comprehensive risk factor and is used as the premium grade of the vehicle. Specifically, the vehicle risk factor value can be divided into a plurality of premium grades according to the value of the comprehensive risk factor in a certain range, for example, the risk factors 0.5-1.4 are set to ten premium grades, 0.5 is one grade, 1.4 is ten grades, and when the risk factor of the current vehicle is calculated to be 0.8, the corresponding premium grade is four grades.
In one embodiment, the insurance evaluation method further comprises:
the server judges whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, the server determines an insurance project according to the real-time driving data and calculates insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and the server pushes the insurance scheme to the vehicle-mounted terminal or the associated mobile terminal.
In this embodiment, whether the vehicle meets the insurance application condition is determined according to the premium grade, and it can be seen from the above embodiment that the risk is higher as the premium grade of the user is higher. The insurance company does not offer insurance for users with too high risk, so users with too high premium grade do not meet the insurance application condition. Specifically, the premium level of the application may be set in advance, and the user who sets the premium level to seven or more may not give the application.
In this embodiment, when the premium level of the user meets the preset insurance application condition, the server generates the matched insurance item, and determines the insurance cost according to the premium level. The insurance items are determined according to the real-time driving data, if the matched insurance items exist, the corresponding insurance cost is calculated, for example, the driving position of the user is in an area where the user does not drive frequently, or the driving distance of the user is far greater than the driving distance at ordinary times, the condition of matching the insurance items is met, the insurance items can be matched, otherwise, the insurance items are not matched. The insurance cost is positively correlated with the premium grade, that is, when the premium grade is lower, the insurance cost corresponding to the insurance item may be lower than the market average value, and when the premium grade is higher but the standard of no insurance is not reached, the insurance cost corresponding to the insurance item may be higher than the market average value, and the insurance item and the insurance cost constitute the insurance scheme. The insurance scheme is pushed to the user through the vehicle-mounted terminal or the associated mobile terminal, so that the user can conveniently check the insurance scheme. The vehicle-mounted terminal comprises but is not limited to a vehicle machine, a vehicle-mounted T-BOX and the like, and the mobile terminal comprises but is not limited to a smart phone, a tablet computer, a smart watch and the like.
After the user checks the insurance scheme, the user can select immediate insurance application and input an insurance confirmation instruction, so that the timeliness is strong, and the insurance is more timely. The application automatically triggers insurance application confirmation according to specific data time points which accord with rules, and does not need the user to actively operate and wake up. And moreover, single-response authorization confirmation operation can be supported, a user only needs to confirm authorization application once, and the server can complete the subsequent application process after verifying the user identity and receiving the insurance confirmation instruction without repeated operation of the user.
In one embodiment, the insurance evaluation method further comprises:
and the server sends risk alarm information to the vehicle-mounted terminal according to the premium grade.
In this embodiment, when the server calculates that the premium level of the user is higher, it indicates that the driving risk of the user is higher, and the server sends risk warning information to the user through the vehicle-mounted terminal to remind the user of cautious driving.
The insurance evaluation method provided by the invention obtains the real-time driving data of the vehicle in the driving process of the vehicle through the vehicle-mounted terminal and sends the real-time driving data to the server; and the server determines the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle. The insurance evaluation method provides more convenient and accurate personalized insurance service by analyzing the real-time driving data of the vehicle.
As shown in fig. 3, the present application also provides an insurance evaluation system including: vehicle-mounted terminal 110 and server 120;
the vehicle-mounted terminal 110 is used for acquiring real-time driving data of the vehicle in the driving process of the vehicle and sending the real-time driving data to the server 120;
and the server 120 is used for determining the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
After the vehicle is started, the vehicle-mounted terminal 110 of the system is automatically started and collects real-time driving data in the driving process of the vehicle.
In an embodiment, the server 120 is further configured to:
calculating a real-time risk factor according to the real-time driving data;
calculating a comprehensive risk factor according to the real-time risk factor and a historical risk factor corresponding to the acquired historical driving data of the vehicle;
and acquiring the premium grade corresponding to the comprehensive risk factor as the premium grade of the vehicle.
In an embodiment, the server 120 is further configured to:
calculating a driving habit risk factor according to the driving data, calculating a path habit factor according to the path information, and calculating a weather risk factor according to the position information and the time information;
and the server calculates and obtains a real-time risk factor according to the driving habit risk factor, the path habit risk factor and the weather risk factor.
In an embodiment, the server 120 is further configured to:
judging whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, determining an insurance project according to the real-time driving data, and calculating insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
the insurance scheme is pushed to the in-vehicle terminal 110.
After the user meets the insurance application condition, the system automatically triggers and pushes the insurance application program when the calculated insurance scheme meets the requirements of the user, and reminds the user whether to apply the insurance application program or not through the vehicle-mounted terminal 110. In the embodiment, the system automatically triggers according to the specific data time point which accords with the rule without requiring the user to actively operate and wake up. And the insurance evaluation system supports the single-turn authorization confirmation operation, the user only needs to confirm authorization insurance once, and the system can complete the subsequent insurance application process after verifying the user identity and receiving the insurance confirmation instruction without repeated operation of the user.
In one embodiment, when the user's premium or the like is high, the insurance evaluation system will automatically trigger a risk alarm, which is pushed to the user through the in-vehicle terminal 110 to remind the user of careful driving. In other embodiments, the risk alert may also be pushed to the user via a mobile terminal associated with the server.
The detailed description of the specific workflow of the insurance evaluation system of this embodiment is given in the description of the first embodiment, and is not repeated herein.
The insurance evaluation system provided by the invention comprises: a vehicle-mounted terminal and a server; the vehicle-mounted terminal is used for acquiring real-time driving data of the vehicle in the driving process of the vehicle and sending the real-time driving data to the server; the server is used for determining the premium grade of the vehicle according to the real-time driving data and the acquired historical driving data of the vehicle, and the insurance evaluation system provides more convenient and accurate personalized insurance service.
As shown in fig. 4, the present application further provides an insurance evaluation method applied to a server, including:
step S201: and receiving real-time driving data of the vehicle, which is sent by the vehicle-mounted terminal in the driving process of the vehicle.
Step S202: and determining the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
In one embodiment, the insurance evaluation method applied to the server further includes:
calculating a real-time risk factor according to the real-time driving data;
calculating a comprehensive risk factor according to the real-time risk factor and a historical risk factor corresponding to the acquired historical driving data of the vehicle;
and acquiring the premium grade corresponding to the comprehensive risk factor as the premium grade of the vehicle.
In one embodiment, the insurance evaluation method applied to the server further includes:
calculating a driving habit risk factor according to the driving data, calculating a path habit factor according to the path information, and calculating a weather risk factor according to the position information and the time information;
and the server calculates and obtains a real-time risk factor according to the driving habit risk factor, the path habit risk factor and the weather risk factor.
In one embodiment, the insurance evaluation method applied to the server further includes:
and sending risk alarm information to the vehicle-mounted terminal according to the premium grade.
In one embodiment, the insurance evaluation method further includes:
judging whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, determining an insurance project according to the real-time driving data, and calculating insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and pushing the insurance scheme to the vehicle-mounted terminal.
The specific workflow of the server in this embodiment is described in the first embodiment, and is not described herein again.
The insurance evaluation method provided by the invention provides more convenient and accurate personalized insurance service by receiving the real-time driving data of the vehicle sent by the vehicle-mounted terminal in the driving process of the vehicle and determining the premium grade of the vehicle according to the real-time driving data and the acquired historical driving data of the vehicle.
As shown in fig. 5, the present application further provides a server, including a memory 210 and a processor 220, where the memory 210 stores at least one program instruction, and the processor 220 implements an insurance evaluation method applied to the server by loading and executing the at least one program instruction, including:
and receiving real-time driving data of the vehicle, which is sent by the vehicle-mounted terminal in the driving process of the vehicle.
And determining the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
In one embodiment, the processor 220 is further configured to:
calculating a real-time risk factor according to the real-time driving data;
calculating a comprehensive risk factor according to the real-time risk factor and a historical risk factor corresponding to the acquired historical driving data of the vehicle;
and acquiring the premium grade corresponding to the comprehensive risk factor as the premium grade of the vehicle.
In one embodiment, the processor 220 is further configured to:
calculating a driving habit risk factor according to the driving data, calculating a path habit factor according to the path information, and calculating a weather risk factor according to the position information and the time information;
and the server calculates and obtains a real-time risk factor according to the driving habit risk factor, the path habit risk factor and the weather risk factor.
In one embodiment, the processor 220 is further configured to:
and sending risk alarm information to the vehicle-mounted terminal according to the premium grade.
In one embodiment, the processor 220 is further configured to:
judging whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, determining an insurance project according to the real-time driving data, and calculating insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and pushing the insurance scheme to the vehicle-mounted terminal.
The specific process of the processor 220 in this embodiment to execute the above steps is described in detail in the related description of the first embodiment, and is not described herein again.
The server provided by the invention receives the real-time driving data of the vehicle sent by the vehicle-mounted terminal in the driving process of the vehicle, and determines the premium grade of the vehicle according to the real-time driving data and the acquired historical driving data of the vehicle, thereby providing more convenient and accurate personalized insurance service.
The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (10)
1. An insurance evaluation method, comprising:
the method comprises the steps that a vehicle-mounted terminal obtains real-time driving data of a vehicle in the driving process of the vehicle and sends the real-time driving data to a server;
and the server determines the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
2. The insurance evaluation method of claim 1, wherein the server determining the premium level of the vehicle based on the real-time travel data and the acquired historical travel data of the vehicle includes:
the server calculates a real-time risk factor according to the real-time driving data;
calculating a comprehensive risk factor according to the real-time risk factor and a historical risk factor corresponding to the acquired historical driving data of the vehicle;
and acquiring the premium grade corresponding to the comprehensive risk factor as the premium grade of the vehicle.
3. The insurance evaluation method of claim 2, wherein the real-time travel data includes driving data, path information, location information, and time information, and the server calculates a real-time risk factor from the real-time travel data, including:
the server calculates a driving habit risk factor according to the driving data, calculates a path habit factor according to the path information, and calculates a weather risk factor according to the position information and the time information;
and the server calculates and obtains a real-time risk factor according to the driving habit risk factor, the path habit risk factor and the weather risk factor.
4. The insurance evaluation method of claim 1, further comprising:
the server judges whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, the server determines an insurance project according to the real-time driving data, and calculates insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and the server pushes the insurance scheme to the vehicle-mounted terminal or the associated mobile terminal.
5. The insurance evaluation method of claim 1, further comprising:
and the server sends risk alarm information to the vehicle-mounted terminal according to the premium grade.
6. An insurance evaluation system, comprising: a vehicle-mounted terminal and a server;
the vehicle-mounted terminal is used for acquiring real-time driving data of the vehicle in the driving process of the vehicle and sending the real-time driving data to the server;
and the server is used for determining the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
7. The insurance evaluation system of claim 6, wherein the server is further configured to:
judging whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, determining an insurance project according to the real-time driving data, and calculating insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and pushing the insurance scheme to the vehicle-mounted terminal.
8. An insurance evaluation method applied to a server is characterized by comprising the following steps:
receiving real-time driving data of a vehicle, which is sent by a vehicle-mounted terminal in the driving process of the vehicle;
and determining the premium grade of the vehicle according to the real-time running data and the acquired historical running data of the vehicle.
9. The insurance evaluation method of claim 8, further comprising:
judging whether the vehicle meets the insurance application condition or not according to the premium grade;
if so, determining an insurance project according to the real-time driving data, and calculating insurance cost of the insurance project according to the premium grade to obtain an insurance scheme;
and pushing the insurance scheme to the vehicle-mounted terminal or the associated mobile terminal.
10. A server comprising a memory storing at least one program instruction and a processor that implements the insurance evaluation method of claim 8 or 9 by loading and executing the at least one program instruction.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114333320A (en) * | 2021-12-31 | 2022-04-12 | 重庆市城投金卡信息产业(集团)股份有限公司 | Vehicle driving behavior risk assessment system based on RFID |
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