CN111738866A

CN111738866A - Driving data acquisition method and device based on motor vehicle, driver and travel

Info

Publication number: CN111738866A
Application number: CN202010177407.7A
Authority: CN
Inventors: 张文
Original assignee: Individual
Current assignee: Individual
Priority date: 2020-02-07
Filing date: 2020-03-13
Publication date: 2020-10-02
Also published as: CN111717156B; CN111717156A; CN111723326A

Abstract

The driving data acquisition method based on the motor vehicle, the driver and the travel is suitable for a server side and comprises the following steps: receiving a journey starting request sent by a client; the starting journey request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, and each vehicle-mounted collector is uniquely matched with each motor vehicle; based on the driver ID and the vehicle-mounted collector ID in the starting journey request, finding out registered and matched driver information and motor vehicle information from a database, and respectively sending starting journey confirmation information to the client and the vehicle-mounted collector to start a journey; in the process of the journey, the server receives real-time driving information sent by the client and the vehicle-mounted collector; and when a journey ending request sent by the client is received, storing the real-time driving information acquired in the journey and correspondingly updating the driver information and the motor vehicle information in the database based on the real-time driving information acquired in the journey.

Description

Driving data acquisition method and device based on motor vehicle, driver and travel

Technical Field

The invention relates to the technical field of insurance, in particular to a driving data acquisition method, a driving data acquisition device, a driving data acquisition system, driving data acquisition equipment and a readable storage medium based on a motor vehicle, a driver and a journey.

Background

The society develops rapidly nowadays, and the motor vehicle is very common in use, has played irreplaceable effect in our daily life, and the safe driving that can not leave insurance product is protected to the safe driving. However, when the inventor of the present invention is implemented, it is found that at present, there is no unified driving data acquisition system to effectively acquire real-time travel information of a driver driving a vehicle, and at least the following problems exist:

(1) effective insurance application of the motor vehicle by an insurance company cannot be realized. The motor vehicle insurance, i.e. the 'vehicle insurance', is a transportation means insurance taking the responsibilities of the motor vehicle and a third party, etc. as insurance marks. The motor vehicle insurance is calculated according to the year basically, the motor vehicle insurance is divided into operation motor vehicle insurance and non-operation motor vehicle insurance, each insurance only has a price, and everyone pays according to a uniform price no matter how many people go out every year. In actual life, the daily average trip mileage of a high-end client for motor vehicle insurance is more than several times that of a low-end client, which is unfair for a plurality of vehicle owners with short average trip mileage per month, especially office workers with close office places, in the mobile internet era, the insurance mode with only one standard price is increasingly not popular with the low-end client with the low daily trip mileage, and the low-end client for trip hopes to have an insurance product tailored for the low-end client. To design a plurality of personalized insurance products, an acquisition platform needs to be established, an acquisition system needs to be designed, personalized insurance applicant travel risk data is acquired, and the insurance products are customized for the insurance applicant according to the risk degree of each insurance applicant. At present, the number of insurance companies in China reaches hundreds, hundreds of insurance companies and even more than one thousand insurance companies may exist in the future, if each insurance company establishes an acquisition platform, repeated investment can be caused, resource waste and incomplete and undisclosed big data are caused, and for small insurance companies, a driving data acquisition platform is specially made economically unreasonable, so that a motor vehicle travel data acquisition platform for serving each insurance company is designed, and personalized insurance business data support is provided for each insurance company, particularly for the insurance companies with smaller scales, and the method is significant.

(2) Effective scrapping of the motor vehicle cannot be realized. The scrappage of a commercial vehicle is 6 to 8 years, the commercial vehicle has a single-shift driver and a double-shift driver, and for the single-shift driver's commercial vehicles such as taxis and net appointments, the commercial vehicle often complains that the own vehicle does not reach the scrapped total driving mileage but must be forcibly scrapped, so that the commercial vehicle bears heavy depreciation cost expenditure. Therefore, a third party mechanism capable of recording the total driving mileage of the vehicle is found, the scrapping age of the vehicle is converted from annual to actual total driving mileage, and the third party mechanism is significant for vehicle owners, particularly network appointment vehicle owners.

(3) Effective monitoring of drivers, vehicles, and trips by mandatory third party agencies (e.g., traffic enforcement authorities) cannot be achieved, e.g., information cannot be obtained in an effective way for monitoring for driver violations/violations, for vehicles reaching retirement conditions, etc.

Disclosure of Invention

The embodiment of the invention provides a driving data acquisition method, a driving data acquisition device, a driving data acquisition system, driving data acquisition equipment and a readable storage medium based on a motor vehicle, a driver and a journey, which can technically and effectively solve the technical problems in the prior art.

The embodiment of the invention provides a driving data acquisition method based on a motor vehicle, a driver and a journey, which is suitable for a server and comprises the following steps:

s101, receiving a journey starting request sent by a client; the starting travel request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, and each vehicle-mounted collector is uniquely matched with each motor vehicle;

s102, based on the driver ID and the vehicle-mounted collector ID in the starting travel request, finding out registered and matched driver information and motor vehicle information from a database, and respectively sending starting travel confirmation information to the client and the vehicle-mounted collector to start a travel; in the process of the journey, the server receives real-time driving information sent by the client and the vehicle-mounted collector;

s103, when a journey ending request sent by the client is received, storing the real-time driving information obtained in the journey, and correspondingly updating the driver information and the motor vehicle information in the database based on the real-time driving information obtained in the journey.

As a modification of the above, in step S101, the start stroke request is generated by any one of the following methods:

(1) scanning a two-dimensional code with a vehicle-mounted collector ID on a vehicle-mounted collector on the motor vehicle through the client and then generating the two-dimensional code;

(2) the client responds to a trigger stroke starting request and receives the vehicle-mounted collector ID input by a driver in real time to generate the request; or the like, or, alternatively,

(3) and the client responds to a trigger starting travel request and generates the request after selecting the vehicle-mounted collector ID corresponding to the motor vehicle bound in advance based on the driver.

As a modification of the above, in step S103, the end-of-travel request is generated by any one of the following methods:

(1) generated by the client in response to a trigger end-of-travel request;

(2) when the server side judges that the power supply of the vehicle-mounted collector is turned off, the server side sends information whether to finish the journey consultation to the client side, and the information is generated when the client side responds to the selection of 'yes' of a driver; or the like, or, alternatively,

(3) and when the server judges that the driving track information of the client and the vehicle-mounted collector is not matched, the server sends information on whether the journey is finished to the client, and the information is generated when the client responds to the selection of 'yes' of a driver.

As an improvement of the above scheme, in step S102, when the registered and matched driver information and vehicle information are found out from the database, first, real-time shooting control information is sent to the vehicle-mounted collector to drive a camera arranged on the vehicle-mounted collector to obtain current driver head portrait data of the vehicle, and after the real-time obtained driver head portrait data is matched with the driver head portrait data pre-stored in the database, start-up travel confirmation information is sent to the client and the vehicle-mounted collector respectively to start a travel.

As an improvement of the above solution, in the step S102, when the registered and matched driver information and vehicle information are found from the database, the method further includes the steps of:

judging the identity of a driver according to the driver information, and sending motor vehicle unlocking information to a vehicle-mounted collector corresponding to the motor vehicle information when the identity of the driver is judged to meet a preset condition; the motor vehicle unlocking information is used for unlocking the motor vehicle by the vehicle-mounted collector, and the motor vehicle can be normally driven after the locking is unlocked; and

and after receiving the motor vehicle unlocking success information fed back by the vehicle-mounted collector, respectively sending starting travel confirmation information to the client and the vehicle-mounted collector to start the travel.

As an improvement of the above solution, the condition that the identity of the driver meets the preset condition includes:

the driver is one of authorized driver lists which are preset by the owner of the motor vehicle and allow the motor vehicle to be driven; or the like, or, alternatively,

the driver meets the driver condition preset by the owner of the motor vehicle and allowing the motor vehicle to be driven.

As a modification of the above scheme, after the step S103, the method further includes the steps of:

correspondingly processing the real-time driving information acquired in the journey according to conditions preset by the driver or/and the owner of the motor vehicle, and correspondingly feeding back the processed result to the client of the driver or/and the owner of the motor vehicle; and/or the first and/or second light sources,

and when the driver information and the motor vehicle information in the database reach the preset conditions of the corresponding driver or/and the owner of the corresponding motor vehicle after being updated, sending corresponding reminding/notification to the client of the corresponding driver or/and the owner of the corresponding motor vehicle.

and when the real-time driving information acquired in the travel meets the reporting condition of a mandatory third party mechanism, sending a corresponding notification to a terminal corresponding to the mandatory third party mechanism.

when an information request for acquiring any driver or motor vehicle, which is sent by a terminal corresponding to a mandatory third-party mechanism, is received, extracting corresponding driver or motor vehicle information from the database and feeding the information back to the terminal corresponding to the mandatory third-party mechanism; and/or the first and/or second light sources,

when receiving a request for acquiring information of any driver or motor vehicle sent by a terminal corresponding to an optional third-party organization, sending a notice whether to send the information to the optional third-party organization to a client of the owner of the driver or the motor vehicle, and after obtaining an authorized reply of the owner of the driver or the motor vehicle, extracting the corresponding information of the driver or the motor vehicle from the database and feeding the information back to the terminal corresponding to the optional third-party organization.

and when the travel is judged to be the insurance travel which is guaranteed by the applicant, calculating the premium to be paid for the travel according to the insurance content of the applicant, and deducting the premium according to a premium deduction mode set by the applicant.

The embodiment of the invention also discloses a driving data acquisition method based on the motor vehicle, the driver and the travel, which is suitable for the client and comprises the following steps:

s201, sending a journey starting request to a server; the starting travel request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, and each vehicle-mounted collector is uniquely matched with each motor vehicle;

s202, receiving starting travel confirmation information replied by the server to start a travel; the server side finds out registered and matched driver information and motor vehicle information from a database based on the driver ID and the vehicle-mounted collector ID in the starting journey request, and sends starting journey confirmation information to the client side and the vehicle-mounted collector respectively to start a journey; in the process of the travel, the client and the vehicle-mounted collector send real-time driving information to the server;

s203, responding to the trigger request for ending the travel, and sending a travel ending request to the server; and after receiving the travel ending request, the server stores the real-time driving information acquired in the travel and correspondingly updates the driver information and the motor vehicle information in the database based on the real-time driving information acquired in the travel.

As a modification of the above scheme, in step S201, the start stroke request is generated by any one of the following methods:

As a modification of the above, in step S203, the request for ending the trip is generated by any one of the following methods:

(1) generated by the client in response to a trigger end-of-travel request;

(3) and when the server judges that the driving track information of the client and the vehicle-mounted collector is not matched, the server sends information about whether the journey is finished to the client, and the client responds to the selection of 'yes' of a driver to generate the driving track information.

As an improvement of the above scheme, in step S202, when the server finds out the registered and matched driver information and vehicle information from the database, first, real-time shooting control information is sent to the vehicle-mounted collector to drive a camera arranged on the vehicle-mounted collector to obtain current driver head portrait data of the vehicle, and after matching the driver head portrait data obtained in real time with the driver head portrait data pre-stored in the database, start-up travel confirmation information is sent to the client and the vehicle-mounted collector respectively to start a travel.

As an improvement of the above solution, in step S202, when the server finds out the registered and matched driver information and vehicle information from the database, the following steps are further performed:

The embodiment of the invention correspondingly discloses a driving data acquisition device based on a motor vehicle, a driver and a travel, which is suitable for a server and comprises:

the starting journey request receiving module is used for receiving a starting journey request sent by a client; the starting travel request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, and each vehicle-mounted collector is uniquely matched with each motor vehicle;

the information matching confirmation module is used for finding out registered and matched driver information and motor vehicle information from a database based on the driver ID and the vehicle-mounted collector ID in the starting journey request, and respectively sending starting journey confirmation information to the client and the vehicle-mounted collector to start a journey; in the process of the journey, the server receives real-time driving information sent by the client and the vehicle-mounted collector;

and the driving information storage and updating module is used for storing the real-time driving information acquired in the journey and correspondingly updating the driver information and the motor vehicle information in the database based on the real-time driving information acquired in the journey when receiving the journey ending request sent by the client.

The embodiment of the invention corresponds to a driving data acquisition device based on a motor vehicle, a driver and a travel, which is suitable for a client and comprises the following components:

the starting journey request sending module is used for sending a starting journey request to the server; the starting travel request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, and each vehicle-mounted collector is uniquely matched with each motor vehicle;

the starting travel confirmation information receiving module is used for receiving the starting travel confirmation information replied by the server to start the travel; the server side finds out registered and matched driver information and motor vehicle information from a database based on the driver ID and the vehicle-mounted collector ID in the starting journey request, and sends starting journey confirmation information to the client side and the vehicle-mounted collector respectively to start a journey; in the process of the travel, the client and the vehicle-mounted collector send real-time driving information to the server;

the trip ending request sending module is used for responding to a trigger request for ending the trip and sending a trip ending request to the server; and after receiving the travel ending request, the server stores the real-time driving information acquired in the travel and correspondingly updates the driver information and the motor vehicle information in the database based on the real-time driving information acquired in the travel.

The embodiment of the invention also discloses a driving data acquisition system based on the motor vehicles, drivers and travels, which comprises a server, a client and vehicle-mounted collectors arranged on the motor vehicles, wherein each vehicle-mounted collector is uniquely matched with each motor vehicle;

the server comprises the driving data acquisition device which is applicable to the server and is based on the motor vehicle, the driver and the journey as described in any embodiment;

the client comprises the driving data acquisition device which is suitable for the client and is based on the motor vehicle, the driver and the journey.

The embodiment of the invention also discloses equipment which comprises a processor, a memory and a computer program which is stored in the memory and is configured to be executed by the processor, wherein the processor executes the computer program to realize the driving data acquisition method based on the motor vehicle, the driver and the journey.

The embodiment of the invention also discloses a computer readable storage medium which comprises a stored computer program, wherein when the computer program runs, the driving data acquisition method based on the motor vehicle, the driver and the journey is executed.

The implementation of the embodiment of the invention has the following beneficial effects:

firstly, a driving data acquisition system serving each insurance company is established, and driving data of vehicles are provided for each insurance company, so that repeated investment of each insurance company is avoided, the system management and maintenance cost of the insurance companies is saved, data sharing is realized, and when one vehicle is driven by one insurance company and turns to another insurance company for putting insurance, the new insurance company can obtain previous information of the new insurance company through the system, such as safe driving mileage, whether claim records exist, whether fraud record and suspicion exist, and the like. Secondly, the embodiment of the invention collects the driving mileage data of the driver, creates conditions for a new method for paying the premium according to the actual driving risk of the policyholder, and can help office workers with less average daily trip mileage to save insurance expenditure by paying the premium according to the actual driving risk.

Thirdly, a mandatory third-party organization (such as a traffic law enforcement management department) effectively searches the total driving mileage of any motor vehicle through the system, changes the original scrapping method calculated according to the age into the actual total driving mileage calculation, so that the commercial vehicles which do not reach the scrapping travel of 60 kilometers of the nationally specified commercial vehicles can pass through annual audit, and then continue to operate for a plurality of times, so that some commercial vehicles with less trip mileage do not need to be scrapped due to the scrapping age reaching 6 years, and depreciation expenditure is greatly reduced.

Fourthly, the system provided by the embodiment of the invention can help the traffic law enforcement department to effectively obtain the actual travel data of the motor vehicle driven by the driver, effectively learn the illegal driving behaviors of the driver and help the law enforcement department to lock the troublemaking driver.

Drawings

FIG. 1 is a schematic flow chart diagram of a preferred embodiment of a driving data collection method based on a motor vehicle, a driver and a journey, provided by the invention;

FIG. 2 is a schematic flow chart diagram of another preferred embodiment of the driving data collection method based on the motor vehicle, the driver and the journey, provided by the invention;

FIG. 3 is a schematic structural diagram of a preferred embodiment of a driving data acquisition device based on a motor vehicle, a driver and a journey, provided by the invention;

FIG. 4 is a schematic structural diagram of another preferred embodiment of the driving data acquisition device based on the motor vehicle, the driver and the journey, provided by the invention;

FIG. 5 is a schematic structural diagram of a preferred embodiment of a driving data collection system based on a motor vehicle, a driver and a trip, provided by the invention;

fig. 6 is a schematic structural diagram of a preferred embodiment of the apparatus provided by the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.

As shown in fig. 1, a schematic flow chart of a preferred embodiment of a driving data collection method based on a motor vehicle, a driver and a trip, which is provided by the present invention, is applicable to a server, and includes steps S101 to S103, which are as follows:

It should be noted that the embodiments of the present invention relate to information interaction and processing among a server, a client, and a vehicle-mounted collector on a motor vehicle, and the server, the client, and the vehicle-mounted collector on the motor vehicle are generally connected in a wireless manner through WIFI, bluetooth, cellular data, and the like. The registered user corresponding to the client is a driver, and the client is usually a mobile phone, a tablet computer, other mobile devices and the like of the driver. The vehicle-mounted collector is used as an information collector on the motor vehicle, the vehicle-mounted collector is required to be installed on the motor vehicle, each vehicle-mounted collector is uniquely matched with each motor vehicle, and each vehicle-mounted collector is provided with a vehicle-mounted collector ID used as a unique identifier.

Before implementing the embodiment of the invention, each driver and owner (owner) of the motor vehicle need to register as a user through the corresponding client, and the driver information and the motor vehicle information are input in the registration process. In addition, when the owner (owner) of the motor vehicle carries out the operation, the uniquely matched vehicle-mounted collector provided by the embodiment of the invention needs to be distributed to each motor vehicle of the owner so as to collect the real-time travel information of each trip of the motor vehicle. That is, as long as the motor vehicle provided by the embodiment of the present invention is configured with the uniquely matched vehicle-mounted collector, the database of the server inevitably stores the motor vehicle information (and the vehicle-mounted collector ID on the motor vehicle) of the motor vehicle.

In specific implementation, the entered driver information includes, but is not limited to, a nickname, a real name, an address, a telephone, a payment account (for paying a premium for a travel insurance or other peccancy deduction fee, etc.), a credit score, an emergency contact, whether an account deduction protocol is set, driver identification card data (identification card scanning element), driver identification card data (driver identification card scanning element), a scholarly, a career, a physical health condition, an initial number of kilometers of driving trips, an initial number of bad driving records, and driver head portrait data obtained in real time. Correspondingly, when registering, the owner of the motor vehicle needs to enter a nickname, a real name, an address, a telephone, a payment account (used for paying a premium for travel insurance or other illegal deduction fees and the like), a credit score, an emergency contact, whether an account withholding protocol is set or not, and identification card data (a necessary identification authentication file) of the owner, wherein the entered motor vehicle information at least comprises the age, the type, the initial number of accident records, warranty records, the initial number of motor vehicle trip kilometers, running card data (running card scanning piece) and a uniquely matched vehicle-mounted collector ID arranged on the motor vehicle.

Preferably, in the embodiment, each driver and each motor vehicle have uniquely marked identity information, the identity information (driver ID) of the driver may be an identification number or a driving license number of the driver, and the identity information of the motor vehicle may be a license plate number or a vehicle-mounted collector ID (the vehicle-mounted collector ID itself may also be consistent with the license plate number of the motor vehicle), or may be a unique code provided by the server for each driver and each motor vehicle when the driver/vehicle owner registers, which does not affect the implementation effect. Thus, in step S101, when the server receives the start-up travel request sent by the client and includes the driver ID corresponding to the client and the vehicle-mounted collector ID on the vehicle, the server can obtain and confirm the identity information of the driver and the vehicle and find out the registered and matched driver information and vehicle information through the database of the server by using the driver ID corresponding to the client and the vehicle-mounted collector ID on the vehicle.

It should be further explained that the vehicle-mounted collector, which is an important device in the embodiment of the present invention, is a brand new device designed by the present inventor to implement the scheme of the present invention, the vehicle-mounted collector integrates functions of the existing vehicle-mounted collector and kinetic energy of the positioner, and the vehicle-mounted collector further integrates a communication module to interact with the server for information transmission and reception. Preferably, the vehicle-mounted collector is further provided with a camera for shooting a certain view range of the advancing direction of the motor vehicle and the inside of the motor vehicle to obtain real-time image data, and is further preferably integrated with an image analysis module for identifying the human face image in the motor vehicle so as to automatically calculate the number of people in the motor vehicle. In addition, it can be understood that the camera on the vehicle-mounted collector is not limited to be fixed on the vehicle-mounted collector, and also comprises a camera which is arranged in the motor vehicle and is connected with the vehicle-mounted collector in a wired or wireless mode, so that for motor vehicles with large vehicle types such as buses and touring cars and the like and capable of containing more passengers, a plurality of cameras connected with the vehicle-mounted collector can be arranged at different positions in the motor vehicle to effectively and accurately obtain real-time information in the motor vehicle. It will be seen that a certain amount of safety protection is also provided for the driver and passengers in the preferred embodiment, since both the passenger and driver facial features can be captured. At present, the driver and the passenger often hurt each other, and the invention can provide images of the driver and the passenger in the traveling process for law enforcement departments. The automobile can also be protected, because the facial features of the driver are collected by the collector, the facial features of the automobile can be recorded if someone illegally drives the automobile. Meanwhile, if a person is found to drive the vehicle without a license, the module can automatically inform the police and the vehicle owner. In addition, in the whole process of the journey, in order to ensure that the client side of the driver and the vehicle-mounted collector can synchronously send real-time driving information to the server side and prevent the client side of the driver from interrupting sending the information due to reasons such as power failure, the vehicle-mounted collector provided by the embodiment of the invention can be connected with the client side of the driver in a wired or wireless mode to supply power to the client side of the driver. In addition, the vehicle-mounted collector and the client of the driver provided by the embodiment of the invention can also be set to share the same network (in a hot spot sharing mode) so as to improve the real-time and synchronization of information transmission. In addition, the vehicle-mounted collector can be arranged to be used as a locking switch for driving the corresponding motor vehicle, and the driver can normally drive the motor vehicle only by releasing the locking of the switch of the motor vehicle through the vehicle-mounted collector.

Further, as a preferred implementation manner of the embodiment of the present invention, in the step S101, the start stroke request is generated by any one of the following manners:

Further, as a preferred implementation manner of the embodiment of the present invention, in the step S102, when the registered and matched driver information and vehicle information are found out from the database, first, real-time shooting control information is sent to the vehicle-mounted collector to drive a camera arranged on the vehicle-mounted collector to obtain current driver head portrait data of the vehicle, and after the real-time obtained driver head portrait data is matched with the driver head portrait data pre-stored in the database, start-up travel confirmation information is sent to the client and the vehicle-mounted collector respectively to start a travel.

In the preferred embodiment, before the journey is formally started, real-time shooting control information is sent to the vehicle-mounted collector based on the vehicle-mounted collector ID in the starting journey request sent by the driver, so that the camera arranged on the vehicle-mounted collector is controlled to shoot the driver on the motor vehicle to obtain the head portrait data of the driver in real time, the vehicle-mounted collector obtains the head portrait data of the driver in real time and sends the head portrait data of the driver to the server, and the server matches the head portrait data of the driver obtained in real time with the head portrait data of the driver prestored in the database, so that the identity of the driver on the motor vehicle is consistent with the identity of the driver sending the starting journey request, and the authenticity of the journey and the accuracy of data acquisition are guaranteed.

As a further preferable scheme, in the step S102, when the registered and matched driver information and vehicle information are found from the database, the method further includes the steps of:

Wherein, the identity of the driver meets the preset conditions, including:

It can be seen that, in the preferred embodiment, the vehicle-mounted collector is set as a switch for normally driving the vehicle, and only when the identity of the driver is identified, the vehicle is controlled to be started by the driver, based on this scheme, before the driver needs to start the vehicle, the driver needs to identify the identity of the driver by the background server and then the vehicle-mounted collector on the vehicle is controlled to start the vehicle (i.e., the vehicle-mounted collector has a locking function), and the identity identification of the driver can be set by the owner of the vehicle (for example, the owner can set a white list and a black list for starting the vehicle, or set how much the safe driving score of the driver needs to be reached for driving, and the like).

Further, as a preferred implementation manner of the embodiment of the present invention, in the step S103, the trip ending request is generated by any one of the following manners:

(1) generated by the client in response to a trigger end-of-travel request;

(2) and when the server judges that the power supply of the vehicle-mounted collector is turned off, the server sends information about whether the journey is finished to the client, and the information is generated when the client responds to the selection of 'yes' of a driver. It should be noted that, the power supply module of the vehicle-mounted collector mounted on the motor vehicle is connected with the motor vehicle working power supply, the vehicle-mounted collector is powered by the motor vehicle working power supply, the vehicle-mounted collector supplies power to work simultaneously when the motor vehicle working power supply is turned on, the vehicle-mounted collector stops supplying power to work when the motor vehicle working power supply is turned off, that is, the states of the vehicle-mounted collector and the motor vehicle are always kept consistent, and the vehicle-mounted collector can be started to work as long as the motor vehicle working power supply. Therefore, when the power supply of the vehicle-mounted collector is turned off, the vehicle can be basically determined to be powered off and stop working, and the travel is basically finished. In specific implementation, when the information sent by the vehicle-mounted collector is interrupted and lasts for a preset time (short interruption caused by network signal problems is prevented), the power supply of the vehicle-mounted collector can be judged to be turned off. In addition, the vehicle working power supply in the embodiment refers to a main power switch of the vehicle.

(3) And when the server judges that the driving track information of the client and the vehicle-mounted collector is not matched, the server sends information about whether the journey is finished to the client, and the client responds to the selection of 'yes' of a driver to generate the driving track information. The mismatching of the driving track information of the client and the vehicle-mounted collector means that the driving track information of the client and the vehicle-mounted collector is analyzed, when the positioning information sent by the client and the vehicle-mounted collector in real time shows that the position difference between the client and the vehicle-mounted collector reaches a preset threshold value and the duration time of the position difference reaches a preset time value, the end of the travel can be preliminarily judged, the server sends travel consultation information whether to end the travel to the client, the client ends the travel when responding to the selection of the driver to 'yes' so as to store the real-time driving information obtained in the travel, and the driver information and the motor vehicle information in the database are correspondingly updated based on the real-time driving information obtained in the travel.

It can be understood that the real-time driving information obtained in the journey includes, but is not limited to, a travel area, travel time, travel speed, travel climate, travel distance, overspeed driving condition, overtaking condition, illegal lane change information, sudden braking condition, red light running condition, illegal parking condition, driver mental state, passenger data in the vehicle and the like in actual travel. The information can be effectively acquired by a client of the driver and/or a vehicle-mounted collector on the motor vehicle, and the specific acquisition mode is familiar to those skilled in the art and is not described herein again. And for the mental state of the driver in the journey and the passenger data in the vehicle, the mental state and the passenger data in the vehicle can be acquired through the camera on the vehicle-mounted collector. The mental state of the driver is judged by acquiring the head portrait data of the driver and carrying out facial emotion recognition on the face image of the head portrait data of the driver acquired by the camera, wherein a facial emotion recognition model can be stored in a database of the server side in advance.

Further, in step S103 of this embodiment, when the request for ending the journey is received from the client, it is determined that the journey is ended, and then the real-time driving information obtained in the journey is stored, and the driver information and the vehicle information in the database are updated correspondingly based on the real-time driving information obtained in the journey, for example, the driving trip kilometers of the corresponding driver and the vehicle trip kilometers of the vehicle in the database may be updated based on the driving trip mileage of the journey, and so on. In addition, the server can preset various index calculation modules for calculating the evaluation results obtained by calculating the driver and the motor vehicle, and correspondingly updating the evaluation results based on the data updating after the travel is finished each time. For example, various safe driving scores of the evaluation driver may be calculated, which are conveniently provided for review by third-party institutions (e.g., insurance institutions, human units, etc.).

As a further preferable scheme, after the step S103, the method further comprises the steps of:

Therefore, the embodiment can effectively and timely feed back the relevant information of the motor vehicle, the driver and the journey to the driver/the motor vehicle owner. For example, the driver can set the overspeed driving condition, the deduction condition, the red light running condition and the like in each journey in advance and feed back to the driver in time after the journey is finished, so that the driver can know the driving condition of the driver in the journey in time after each journey is finished, and the safe driving consciousness can be effectively improved. In addition, the driver may also set to send a warning notification when the own deduction condition reaches the deduction upper limit, the own driving license renewal period reaches, and the like. Likewise, the vehicle owner may also make the required reminder/notification settings.

It is to be understood that the mandatory third party organization is mainly an official department such as a traffic enforcement authority, and the non-mandatory third party organization is another third party organization (e.g., an insurance agency, a general staff organization, etc.) other than the official department such as the traffic enforcement authority. For a request for information from any driver or vehicle to be obtained by a mandatory third party authority, the relevant information may be fed back to the mandatory third party authority without obtaining the authority of the driver or vehicle owner. However, the information acquisition request of the non-mandatory third party organization needs to be provided only by authorization of the driver or the owner of the motor vehicle, so that the information confidentiality of the driver or the owner of the motor vehicle can be ensured, and the requirements of the non-mandatory third party organization can be facilitated (for example, an insurance agency judges insurance application content and insurance application risk by acquiring the relevant information of the driver or the motor vehicle, and a human unit judges whether to make a recording or not by acquiring the first-pass information of the driver, etc.).

Specifically, the payable premium for the trip may be calculated based on the following formula:

Y＝A_a*L*k_a+A_b*L*k_b+A_c*L*k_c；

wherein Y is the premium paid for the trip, L is the kilometers of the trip, A_aIs a unit reference premium, k, proportional to the driver's amount of insurance_aFor a driver trip risk coefficient, A, obtained based on the driver information_bIs a unit reference premium, k, proportional to the motor vehicle's investment premium_bFor obtaining a motor vehicle trip risk coefficient based on the motor vehicle information, A_cIs a and A_aAnd A_bUnit standard premium k in predetermined proportional relation_cFor the line obtained based on the real-time driving informationActual trip risk coefficients of the trip.

It can be understood that, in the embodiment of the driving data collection method based on the motor vehicle, the driver and the trip provided by the invention, each trip is also an insurance trip, and the trip can be recommended or compulsorily insured when the driver triggers to start the trip through the client (of course, the trip can also be insured in advance by an insurer). The 'insurance travel' is introduced as the minimum unit to be insured, and the beginning and the end of each insurance travel are basically controlled and operated by the driver as the insured object, namely the length of the 'insurance travel' can be adjusted by the driver according to the requirement to calculate the premium to be paid for the travel, so that the flexibility is very high.

The registered user corresponding to the client is a driver (as can be understood, the driver may also be simultaneously used as an applicant), and the client is generally a mobile phone, a tablet computer, other mobile devices, and the like of the driver. The vehicle-mounted collector is used as an information collector on the motor vehicle to be insured, the vehicle-mounted collector is required to be installed on the motor vehicle to be insured, each vehicle-mounted collector is uniquely matched with each motor vehicle, and each vehicle-mounted collector is provided with a vehicle-mounted collector ID used as a unique identifier.

Before the embodiment of the invention is implemented, the applicant needs to be registered as a user through a corresponding client, and information of the applicant and information of a driver and a motor vehicle which need to be served as an insured object are input in the registration process. Wherein the applicant may be an individual or a legal person, each applicant offering as an insured driver and vehicle including at least one. It can be understood that, with the present embodiment, the premium calculation for each trip requires the client corresponding to the driver to promote the trip, but when the applicant is simultaneously the driver to be insured, the client of the applicant is simultaneously the client of the driver. However, when the applicant and the driver to be insured are different, it is necessary to register as a user the driver to be insured through the corresponding client and input the driver's information in real time. Of course, when the applicant is simultaneously the driver to be insured, the driver's client is both the administrator client and the general use client, and the driver's identity is both the administrator and the general user.

In addition, when the applicant registers and commissions, the vehicle which is the insured object and applied by the applicant needs to be allocated with the unique matched vehicle-mounted collector provided by the embodiment of the invention to collect the real-time travel information of each travel of the vehicle so as to calculate the actual travel risk coefficient and the payable premium of the travel. That is, as long as the motor vehicle provided by the embodiment of the present invention is configured with the uniquely matched vehicle-mounted collector, the database of the server inevitably stores the motor vehicle information (and the vehicle-mounted collector ID on the motor vehicle) of the motor vehicle.

In specific implementation, the entered driver information as the insured driver at least comprises driver identification card data, academic calendar, occupation, physical health condition, initial driving travel kilometer number, initial bad driving record number and driver head portrait data acquired in real time. Correspondingly, the entered information of the motor vehicle as the insured motor vehicle at least comprises the age of the motor vehicle, the type of the motor vehicle, the initial number of accident records, the warranty records, the initial number of trip kilometers of the motor vehicle, the driving license data and the uniquely matched vehicle-mounted collector ID arranged on the motor vehicle.

The applicant information entered by the applicant at registration includes, but is not limited to, a nickname, a real name, an address, an identification number, a telephone number, a payment account, a credit score, an emergency contact, whether an account deduction protocol is set, and a necessary authentication file. In addition to the need of inputting information of a driver and a motor vehicle as an insured object in the process of insuring by an insurant, the method also needs to select a premium deduction mode, wherein the premium deduction mode comprises the following steps:

the first premium deduction mode: real-time fee deduction is carried out after each travel is finished; if the first mode is adopted, after each travel and charging, the applicant is informed after deducting the fee through a fee deduction account bound by the applicant client, or after each travel and charging, the insurance fee to be paid is sent to the applicant client, the applicant selects a payment mode to pay the fee, and common payment comprises a payment account of the client, a bound bank account or a third-party payment platform such as WeChat payment and Paibao payment.

And a second premium deduction mode: deducting fee according to preset N time units; if the second mode is adopted, when the preset N time units arrive each time, the sum of the payable premiums of all the routes which accord with the insurance application of the applicant in the specific time unit is deducted through the deduction account bound by the applicant client and then is notified to the applicant; the time unit comprises hours, days or months, and N is a natural number. For example, when the applicant adopts the second premium deduction method and the deduction is set to be carried out every 3 days, the server calculates the sum of the payable premiums of all the trips related to the driver and the motor vehicle as the insured object of the applicant in the past 3 days, and then the fee is deducted through the deduction account bound by the applicant client, and then the applicant is notified.

In specific implementation, as a preferred implementation of the embodiment of the present invention:

influence the driver trip risk coefficient k_aThe driver information of (a) includes at least one of age, sex, academic calendar, occupation, driving age, native place, physical health condition, number of miles driven, bad driving record of the driver;

influencing the motor vehicle trip risk coefficient k_bThe motor vehicle information comprises at least one of the age, the type, the accident record, the warranty record, the trip kilometers of the motor vehicle and the current estimation value of the motor vehicle; and/or the presence of a gas in the gas,

actual trip risk factor k affecting the trip_cThe actual driving information of (a) includes at least one of a travel area, a travel time, a travel speed, a mental state of the driver, and a travel climate at the time of actual travel.

Understandably, as influencing the driver's trip risk coefficient k_aMotor vehicle trip risk coefficient k_bAnd actual trip risk coefficient k_cThe more the information is, the higher the calculation accuracy of the premium paid by the trip is, and the setting mode of the specifically adopted influencing factors and risk coefficients can be determined by an implementer (such as an insurance company) providing insurance according to needs during implementation, and the implementation effect of the scheme is not influenced. For example, the following are given as examples:

risk coefficient k for driver trip_aIf the driver on the journey is a driver with many years of driving experience, the safe driving mileage is longer, and the risk coefficient k is higher_aThe risk coefficient of a driver with no accident in the driving age of one year is 1, the risk coefficient of a driver with no accident in the driving ages of multiple years is less than 1, if the driver has an accident, the risk coefficient is more than 1, and for the driver with multiple major accidents or cheating insurance behaviors, the risk coefficient is infinite, and the insurance company can refuse to apply insurance. The premium paid by the applicant varies with the magnitude of the risk factor. Premium payable of travel and driver trip risk coefficient k_aIs in direct proportion.

(II) risk coefficient k for motor vehicle trip_bThe risk coefficient of the motor vehicle of the journey can be 1, and for the vehicle which has long driving distance and is recorded by overhaul and accident, the risk coefficient is more than 1. As a new vehicle, the risk coefficient of the motor vehicle with higher vehicle type safety is lower than the risk coefficient of the motor vehicle with lower vehicle type safety. Premium payable of travel and motor vehicle trip risk coefficient k_bIs in direct proportion.

(III) for actual trip risk coefficient k_cThe trip area in the trip can be pre-stored with road condition risk coefficients of various areas, for example, if the trip area risk coefficient of a general area is 1, the trip area risk coefficient of the trip area can be larger than 1, for example, 1.1 times or several times of the trip area risk coefficient. And secondly, the risk coefficients of the travel time in the journey, such as night travel, peak time travel on duty and off duty and travel on holidays, can be properly improved. In addition, the trip climate in the journey can be preset with road risk reference data of severe weather such as strong typhoon, heavy rainstorm, ice and snow days and the like. Weather risk for calculating actual journey, good weatherIn this case, the weather risk factor may be constant, for example, 1, but the risk factor is greater than 1 in the case of rainstorm, typhoon, snow and ice in the area during travel. Such as 1.5 times or several times different. In addition, the travel speed during the trip, if it occurs that the travel speed is greater than the maximum driving speed specified by the road, can increase the risk factor. And for the mental state of the driver on the journey, the worse the mental state of the driver, the larger the risk factor. It can be understood that the information of the trip area, the trip time, the travel speed, and the trip climate during actual trip can be effectively acquired by the client of the driver and/or the vehicle-mounted collector on the motor vehicle, and the specific acquisition mode is familiar to those skilled in the art and is not described herein again. And for the mental state of the driver in the journey, acquiring the head portrait data of the driver through a camera on a vehicle-mounted collector, and carrying out facial emotion recognition on a face image of the head portrait data of the driver acquired by the camera to judge the mental state of the driver, wherein a facial emotion recognition model can be stored in a database of the server in advance.

Further, as a preferred embodiment of the present invention:

when the motor vehicle driven by the driver in the journey is judged not to be the driver, the actual travel risk coefficient k is improved_c。

With this preferred embodiment, for the actual trip risk coefficient k_cIn the journey, considering that the driver is more skilled in driving the own motor vehicle, the safety factor is higher than that of driving the non-own motor vehicle, so that correspondingly, if the motor vehicle driven by the driver in the journey is not the same as the driver, the actual trip risk factor k is improved_c. In the implementation, it is possible to confirm that the vehicle currently driven by the driver is not the driver himself or herself by comparing the driver information and the vehicle information (for example, the driving license data) of the trip.

Further, as a preferred embodiment of the present invention:

according to the travel area in the travelReducing/improving the actual trip risk factor k by the degree of overlap with the driver's historical trip zone_cThe bigger the contact ratio is, the actual trip risk coefficient k_cThe smaller.

With this preferred embodiment, for the actual trip risk coefficient k_cIn the trip, if the trip area of the motor vehicle is the frequent trip area of the driver, the safety factor is higher, so that the coincidence degree of the trip area in the trip and the historical trip area of the driver is relatively higher, and the actual trip risk coefficient k is relatively higher_cThe smaller. In specific implementation, the travel area data acquired in the current trip can be compared with the historical travel area data of the driver stored in the database of the server to calculate the contact ratio.

Further, as a preferred embodiment of the present invention, in the trip, when an insurance applicant commits the vehicle for a guarantee in addition to the passenger of the driver, the payable premium of the trip is:

Y＝A_a*L*k_a+A_b*L*k_b+A_c*L*k_c+A_d(L₁*P₁+L₂*P₂……+L_n*P_n)

wherein A is_dFor unit reference premium, L, proportional to the amount of each passenger charged₁+L₂……+L_n＝L，L_nFor the stroke to include P_nThe number of sub-journeys kilometers of the individual passenger; l is_n、P_nThe real-time driving information is obtained through the real-time driving information sent by the vehicle-mounted collector, and the real-time driving information comprises the head portrait data of passengers in the vehicle, which is obtained through the camera on the vehicle-mounted collector.

As the preferred embodiment described above, this embodiment is mainly intended to achieve extension of the object of insurancing to the occupant in the motor vehicle. If the insurant insurable object of the journey extends to the passenger of the journey besides the motor vehicle and the driver, in the process of the journey, the server receives the real-time driving information sent by the vehicle-mounted collector and further comprises the real-time driving information which is sent by the vehicle-mounted collectorThe passenger head portrait data in the vehicle obtained by the camera in the above is understood, for the number of passengers in any sub-journey in the journey, the passenger head portrait data can be obtained by directly analyzing the image acquired by the vehicle-mounted collector through the camera, or the passenger head portrait data can be obtained by analyzing the image acquired by the vehicle-mounted collector through the camera and then sent to the server side, and the former embodiment is preferably adopted for the data volume to be transmitted. It will be appreciated that the premium on a trip is proportional to the number of passengers in the vehicle, since the trip extends to protect passengers in the vehicle. Furthermore, it is desirable to collect and analyze the number of passengers per sub-trip in real time by an on-board collector on the vehicle, considering that the number of passengers in the vehicle may vary during a trip, especially when the vehicle is a taxi. For example, in a trip in which the motor vehicle is a taxi or a drip-and-pool car, if the applicant extends the insured object of the trip to the passenger, then from the start of the trip, the on-board collector collects and analyzes the number of passengers per sub-trip in real time. For example, in the 1 st sub-trip, the passengers on the vehicle are 4 passengers, and the trip is 10 kilometers; in the 2 nd sub-journey, the passengers on the vehicle are 3 in total, and the journey is 8 kilometers in total; in the 3 rd sub-journey, the passengers on the vehicle are 1 in total, and the journey is 5 kilometers in total; in the 4 th and last sub-trip, the passengers in the vehicle are 2 in total and the trip is 15 km in total. Then, the due fee to be paid for the passenger in the trip is: a. the_d(10*4+8*3+5*1+15*2)＝A_d*99。

It should be noted that, in implementing the embodiment of the present invention, it is not limited to the journey, and the driver as the insured object must be the owner of the vehicle as the insured object, that is, the database of the server is used for storing the driver information and the vehicle information as the insured object is relatively independent, and for each journey, the driver as the insured object and the vehicle as the insured object can form an association relationship at any time or in real time to calculate the insurance fee to be paid, as long as the driver as the insured object and the vehicle have stored relevant information in the server. In specific implementation, the driver as the insured object can associate the vehicle as the insured pair in real time by adopting the mode (1) or the mode (2) so as to start the journey, and the two modes are suitable for the situation that the driver simultaneously serves as the insured person, particularly the driver drives the non-own vehicle to start the journey.

Of course, as a more preferred embodiment, the applicant may bind the relationship between the driver of the insured object and the vehicle of the insured object during the application when the applicant makes the application. It is understood that the association relationship is not limited to a one-to-one correspondence relationship, and may be a relationship in which one driver associates a plurality of vehicles, or a relationship in which a plurality of drivers associates a vehicle. For example, when an applicant is simultaneously used as a driver, if the driver binds a plurality of motor vehicles to be insured (on the premise that each motor vehicle must be provided with a corresponding vehicle-mounted collector), then when the driver goes out each time, the driver can quickly select the bound corresponding motor vehicle by the client in the above-mentioned manner (3) according to the motor vehicle currently used for going out, so that the driver can quickly start a trip. In addition, for the case that the applicant is not a driver, for example, the applicant a is a taxi company, which needs to apply insurance for M1 taxis and M2 taxi drivers of the company, and the applicant a may bind the association relationship between M1 taxis and M2 taxi drivers as objects to be applied in the insurance application process, so that when the M2 taxi drivers drive any one of the M1 taxis during traveling, the M2 taxi drivers obtain the corresponding vehicle-mounted collector IDs through the above-mentioned mode (1), mode (2) or mode (3) to generate a starting journey request, and thus, the information related to the journey will be notified to the client of the applicant by the service end, and the payment mode set by the applicant is adopted to deduct the fee after the journey is finished to calculate the corresponding insurance fee. It will be appreciated that the applicant may also modify the association of the driver of the bound insured object and the vehicle of the insured object at any time after the application.

In addition, it is understood that the unit reference premium A proportional to the amount of the driver's insurance in the embodiment of the present invention_aUnit base premium A proportional to motor vehicle investment premium_bAnd A is_aAnd A_bUnit standard premium A in preset proportional relation_cAnd a unit reference premium A proportional to the amount of each passenger charged_dThe specific value (the scaling factor of the amount of the application) of (b) can be adjusted by the implementer (e.g. insurance company) according to the requirements and implementation environment, and is not limited herein.

Therefore, the embodiment of the invention effectively solves the problem that the motor vehicle insurance cannot pay the insurance premium according to the actual risk, and saves the insurance expenditure for the policyholder with less trip mileage. The embodiment of the invention also breaks the insurance boundary of the commercial vehicles and the non-commercial vehicles, so that the drivers can freely change the use properties of the vehicles between the commercial vehicles and the non-commercial vehicles without being recognized as default by insurance companies and refusing claim at the time of working. The embodiment of the invention can realize the purpose of paying by stages, greatly lightens the one-time payment guarantee pressure of the applicant, and ensures that the applicant, particularly low-end customers on a trip, is more willing to buy insurance products with high claim amount, thereby bringing better guarantee for the applicant and others. The embodiment of the invention adopts the post-payment mode of calculating the premium according to the actual trip mileage of the same day and the total number of people on the vehicle, the premium is not required to be paid when the vehicle does not go out, and the insurance of the motor vehicle is fairer and more reasonable except that the guaranteed object also comprises the corresponding premiums required by the insurance of the motor vehicle such as anti-theft and anti-robbery. The embodiment of the invention also has the advantages of avoiding or reducing the charge of the middleman and the application of the insurance anytime and anywhere.

Referring to fig. 2, it is a schematic flow chart of another preferred embodiment of the driving data collection method based on the motor vehicle, the driver and the trip, which is applicable to the client, and includes steps S201 to S203, specifically as follows:

Further, as a preferred implementation manner of the embodiment of the present invention, in the step S201, the start stroke request is generated by any one of the following manners:

Further, as a preferred implementation manner of the embodiment of the present invention, in step S203, the journey end request is generated by any one of the following manners:

(1) generated by the client in response to a trigger end-of-travel request;

Further, in step S202, when the server finds out the registered and matched driver information and vehicle information from the database, first, real-time shooting control information is sent to the vehicle-mounted collector to drive a camera arranged on the vehicle-mounted collector to obtain current driver head portrait data of the vehicle, and after matching the driver head portrait data obtained in real time with the driver head portrait data pre-stored in the database, start-up travel confirmation information is sent to the client and the vehicle-mounted collector respectively to start a travel.

In step S202, when the server finds out the registered and matched driver information and vehicle information from the database, further performing:

Wherein, the identity of the driver meets the preset conditions, including:

It can be understood that, for the specific implementation process and effect of the above implementation manner of the driving data collection method based on the motor vehicle, the driver and the trip, provided in fig. 2, reference may be made to the implementation manner corresponding to fig. 1, and details are not described herein again.

As shown in fig. 3, a schematic structural diagram of a preferred embodiment of a driving data collecting device based on a motor vehicle, a driver and a trip according to the present invention is provided, and the device is suitable for a server, and specifically includes:

a starting trip request receiving module 301, configured to receive a starting trip request sent by a client; the starting travel request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, and each vehicle-mounted collector is uniquely matched with each motor vehicle;

an information matching confirmation module 302, which finds out the registered and matched driver information and motor vehicle information from the database based on the driver ID and the vehicle-mounted collector ID in the starting trip request, and sends starting trip confirmation information to the client and the vehicle-mounted collector respectively to start the trip; in the process of the journey, the server receives real-time driving information sent by the client and the vehicle-mounted collector; and

and the driving information storage and update module 303 is configured to store the real-time driving information acquired in the journey and perform corresponding update on the driver information and the motor vehicle information in the database based on the real-time driving information acquired in the journey when receiving a journey ending request sent by the client.

The driving data acquisition device based on the motor vehicle, the driver and the travel provided by the embodiment of the invention can realize all processes of the driving data acquisition method based on the motor vehicle, the driver and the travel, which is suitable for any one of the above embodiments of the server, and the functions and the realized technical effects of each module and unit in the device are respectively the same as those of the driving data acquisition method based on the motor vehicle, the driver and the travel described in the above embodiments, and are not repeated herein.

As shown in fig. 4, a schematic structural diagram of a preferred embodiment of a driving data collecting device based on a motor vehicle, a driver and a trip provided by the present invention is shown, the device is suitable for a client, and specifically includes:

a starting trip request sending module 401, configured to send a starting trip request to a server; the starting travel request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, and each vehicle-mounted collector is uniquely matched with each motor vehicle;

a starting trip confirmation information receiving module 402, configured to receive a starting trip confirmation information replied by the server to start a trip; the server side finds out registered and matched driver information and motor vehicle information from a database based on the driver ID and the vehicle-mounted collector ID in the starting journey request, and sends starting journey confirmation information to the client side and the vehicle-mounted collector respectively to start a journey; in the process of the travel, the client and the vehicle-mounted collector send real-time driving information to the server; and

a trip ending request sending module 403, configured to send a trip ending request to the server in response to a trigger request for ending the trip; and after receiving the travel ending request, the server stores the real-time driving information acquired in the travel and correspondingly updates the driver information and the motor vehicle information in the database based on the real-time driving information acquired in the travel.

The driving data acquisition device based on the motor vehicle, the driver and the travel provided by the embodiment of the invention can realize all processes of the driving data acquisition method based on the motor vehicle, the driver and the travel, which is suitable for any embodiment of the client, and the functions and the realized technical effects of each module and unit in the device are respectively the same as those of the driving data acquisition method based on the motor vehicle, the driver and the travel, which is described in the embodiment, and are not repeated herein.

Correspondingly, the invention further provides a driving data acquisition system based on the motor vehicle, the driver and the travel.

As shown in fig. 5, a schematic structural diagram of a preferred embodiment of the driving data collecting system based on a motor vehicle, a driver and a trip provided in the present invention specifically includes a server 51, at least one client 52 and at least one vehicle-mounted collector 53 disposed on the motor vehicle; each vehicle-mounted collector 53 is uniquely matched with each motor vehicle 531;

the server 51 comprises a driving data acquisition device based on motor vehicles, drivers and travels and suitable for the server according to the embodiment;

the client 52 includes the driving data collecting device based on the motor vehicle, the driver and the travel suitable for the client according to the above embodiment.

In addition, the structure and function of the on-board collector 53 provided on the motor vehicle can refer to the related description of the above-described embodiments.

Further, the implementer corresponding to the client 52 is a driver 521, the driving data acquisition system further includes a client 54, and the implementer corresponding to the client 54 is an owner 541 of the motor vehicle 531. The client 52, the vehicle-mounted collector 53 and the client 54 are respectively connected with the server 51 to realize information interaction.

Further, the driving data acquisition system further includes a terminal 55 and a terminal 56, an implementer corresponding to the terminal 55 is a mandatory third party organization 551 (for example, a traffic law enforcement administration), an implementer corresponding to the terminal 56 is an unforced third party organization 561 (for example, an insurance agency, a personnel unit, a hunting company, etc.), and the terminal 55 and the terminal 56 are respectively connected with the server 51 to realize information interaction.

It can be understood that the driving data collection system based on the motor vehicle, the driver and the trip provided by the embodiment can execute the driving data collection method based on the motor vehicle, the driver and the trip described in any one of the above embodiments. The working principle and the execution process of the method can refer to the related description of any of the above embodiments, and are not repeated herein.

The invention also provides equipment.

As shown in fig. 6, a schematic structural diagram of a preferred embodiment of the apparatus provided by the present invention includes a processor 61, a memory 62, and a computer program stored in the memory 62 and configured to be executed by the processor 61, where when the processor 61 executes the computer program, the method for acquiring driving data based on a vehicle, a driver, and a trip, which is applicable to a server or a client, as described in any one of the above embodiments, is implemented.

It should be noted that fig. 6 only illustrates an example in which one memory and one processor in the device are connected, and in some specific embodiments, the device may further include a plurality of memories and/or a plurality of processors, and the specific number and the connection mode thereof may be set and adapted according to actual needs.

The present invention also provides a computer-readable storage medium, which specifically includes a stored computer program, where when the computer program runs, the apparatus where the computer-readable storage medium is located is controlled to execute the location-based payment method according to any one of the above embodiments.

It should be noted that, all or part of the flow in the method according to the above embodiments of the present invention may also be implemented by a computer program instructing related hardware, where the computer program may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the above embodiments of the method may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be further noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals in accordance with legislation and patent practice.

While the foregoing is directed to the preferred embodiment of the present invention, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention.

Claims

1. A driving data acquisition method based on motor vehicles, drivers and travels is suitable for a server side and is characterized by comprising the following steps:

2. The driving data collection method based on motor vehicles, drivers and travel according to claim 1, characterized in that:

in step S101, the start stroke request is generated by any one of the following methods:

3. The driving data collection method based on motor vehicles, drivers and travel according to claim 1, characterized in that: in step S103, the request for ending the trip is generated by any one of the following methods:

(1) generated by the client in response to a trigger end-of-travel request;

4. The driving data collection method based on the motor vehicle, the driver and the trip according to claim 1, wherein in the step S102, when the registered and matched driver information and motor vehicle information are found out from the database, first, real-time shooting control information is sent to the vehicle-mounted collector to drive a camera arranged on the vehicle-mounted collector to obtain the current driver head portrait data of the motor vehicle, and after the real-time obtained driver head portrait data is matched with the driver head portrait data pre-stored in the database, start-up trip confirmation information is sent to the client and the vehicle-mounted collector respectively to start the trip.

5. The driving data collection method based on vehicle, driver and journey according to claim 1, wherein in step S102, when the registered and matched driver information and vehicle information are found from the database, further comprising the steps of:

6. The driving data collection method based on motor vehicles, drivers and travel routes according to claim 5, wherein the identity of the driver meets the preset conditions comprises:

7. The driving data collection method based on vehicle, driver and travel according to claim 1, further comprising the step of, after the step S103:

8. The driving data collection method based on vehicle, driver and travel according to claim 1, further comprising the step of, after the step S103:

9. The driving data collection method based on vehicle, driver and travel according to claim 1, further comprising the step of, after the step S103:

10. The driving data collection method based on vehicle, driver and travel according to claim 1, further comprising the step of, after the step S103:

11. A driving data acquisition method based on motor vehicles, drivers and travels is suitable for clients and is characterized by comprising the following steps:

12. The vehicle, driver and trip based driving data collection method according to claim 11, wherein: in step S201, the start stroke request is generated by any one of the following methods:

13. The vehicle, driver and trip based driving data collection method according to claim 11, wherein in step S203, the request for ending the trip is generated by any one of the following methods:

(1) generated by the client in response to a trigger end-of-travel request;

14. The driving data collection method based on the motor vehicle, the driver and the trip according to claim 1, wherein in the step S202, when the server finds out the registered and matched driver information and motor vehicle information from the database, first, real-time shooting control information is sent to the vehicle-mounted collector to drive a camera arranged on the vehicle-mounted collector to obtain the current driver head portrait data of the motor vehicle, and after the real-time obtained driver head portrait data is matched with the driver head portrait data pre-stored in the database, start-up trip confirmation information is sent to the client and the vehicle-mounted collector respectively to start the trip.

15. The driving data collection method based on vehicle, driver and journey according to claim 11, wherein in step S202, when the server end finds out the registered and matched driver information and vehicle information from the database, further executing:

16. The vehicle, driver and trip based driving data collection method according to claim 15, wherein the identity of the driver meeting the predetermined condition comprises:

17. The utility model provides a driving data acquisition device based on motor vehicle, driver and stroke, is applicable to the server side, its characterized in that includes:

18. The utility model provides a driving data acquisition device based on motor vehicle, driver and stroke, is applicable to the customer end, its characterized in that includes:

19. A driving data acquisition system based on motor vehicles, drivers and travels is characterized by comprising a server, a client and vehicle-mounted collectors arranged on the motor vehicles, wherein each vehicle-mounted collector is uniquely matched with each motor vehicle;

the server side comprises a driving data acquisition device based on the motor vehicle, the driver and the journey according to claim 17;

the client comprising a vehicle, driver and trip based driving data acquisition device according to claim 18.

20. An apparatus comprising a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, wherein the processor, when executing the computer program, implements the vehicle, driver, and trip based driving data collection method according to any one of claims 1 to 16.

21. A computer-readable storage medium, comprising a stored computer program, wherein the computer program is operable to execute the method for vehicle, driver and trip based driving data collection according to any one of claims 1 to 16.