CN113554518A - System for pricing car insurance through vehicle-mounted equipment - Google Patents

System for pricing car insurance through vehicle-mounted equipment Download PDF

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Publication number
CN113554518A
CN113554518A CN202110868441.3A CN202110868441A CN113554518A CN 113554518 A CN113554518 A CN 113554518A CN 202110868441 A CN202110868441 A CN 202110868441A CN 113554518 A CN113554518 A CN 113554518A
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China
Prior art keywords
vehicle
module
insurance
premium
pricing
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CN202110868441.3A
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Chinese (zh)
Inventor
夏冰星
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Chengdu Yaxin'an Technology Service Co Ltd
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Chengdu Yaxin'an Technology Service Co Ltd
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Publication of CN113554518A publication Critical patent/CN113554518A/en
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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
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
    • G06Q10/06311—Scheduling, planning or task assignment for a person or group
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
    • G07C5/0841—Registering performance data
    • G07C5/085—Registering performance data using electronic data carriers
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
    • G07C5/0841—Registering performance data
    • G07C5/085—Registering performance data using electronic data carriers
    • G07C5/0866—Registering performance data using electronic data carriers the electronic data carrier being a digital video recorder in combination with video camera
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/72406—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by software upgrading or downloading
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/72409—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
    • H04M1/72412—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories using two-way short-range wireless interfaces
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/30—Services specially adapted for particular environments, situations or purposes
    • H04W4/40—Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W76/00—Connection management
    • H04W76/10—Connection setup
    • H04W76/14—Direct-mode setup

Abstract

The invention discloses a system for pricing car insurance through vehicle-mounted equipment, which comprises a vehicle-mounted equipment module, a mobile equipment module and a server module, wherein the mobile equipment module is connected with the server module; the vehicle-mounted equipment module is configured to complete vehicle driving and use data collection through the sensor and send the collected data to the mobile equipment module; the mobile equipment module is configured to complete personalized calculation of premium based on the vehicle running and using data sent by the vehicle-mounted equipment module and the insurance pricing model sent by the server module; the server module is configured to complete calculation of parameters for calculating a premium based on data collected by the in-vehicle device module, and construct an insurance pricing model through a mechanical learning method based on the calculated parameters, and update the obtained insurance pricing model to the mobile device module. The system completes personalized intelligent pricing of premium of specific vehicles.

Description

System for pricing car insurance through vehicle-mounted equipment
Technical Field
The invention belongs to the technical field of vehicle insurance pricing, and particularly relates to a system for pricing vehicle insurance through vehicle-mounted equipment.
Background
In most countries, in order to ensure the damaged party in the car accident, the supervising authority forces the vehicles on the road to purchase the car insurance. Some of the regulatory agencies set fixed prices for mandatory car insurance, and all vehicles pay a uniform premium for uniform insurance products regardless of the risk. The drawback of this product design is that insurance companies are discouraged from designing products or controlling risks through price leverage so that this mandatory car insurance product tends to be a loss condition.
On the other hand, some countries allow insurance companies to launch fully dynamically priced car insurance products. Such products rely on driving data and charge different premium rates for unused users. The pricing model parameters are too complex, and users are often reluctant to select the products because the users cannot understand the pricing method and the premium can be increased after selecting the dynamic pricing.
From the perspective of data supervision, the user should have the right to know the pricing method of the insurance company. Especially, when the user selects a dynamic product and the pricing model cannot be clearly displayed, the user should have an informed right to actually charge the premium for the dynamic pricing model. The insurance company should not charge a higher premium without the user understanding the insurance pricing mechanism.
Therefore, there is a need in the art for an insurance product pricing system that is based on the actual driving behavior of the user and that is completely transparent to the user in terms of premium.
Disclosure of Invention
The invention aims to provide a system for pricing vehicle insurance through vehicle-mounted equipment to overcome the defects of the prior art, and the system is used for completing personalized intelligent pricing of premium of specific vehicles.
The purpose of the invention is realized by the following technical scheme:
a system for pricing car insurance through vehicle-mounted equipment comprises a vehicle-mounted equipment module, a mobile equipment module and a server module; the vehicle-mounted equipment module is configured to complete vehicle driving and use data collection through the sensor and send the collected data to the mobile equipment module; the mobile equipment module is configured to complete personalized calculation of premium based on the vehicle running and using data sent by the vehicle-mounted equipment module and the insurance pricing model sent by the server module; the server module is configured to complete calculation of parameters for calculating a premium based on data collected by the in-vehicle device module, and construct an insurance pricing model through a mechanical learning method based on the calculated parameters, and update the obtained insurance pricing model to the mobile device module.
According to a preferred embodiment, the vehicle driving and usage data collected by the vehicle equipment module through sensors includes, but is not limited to: voltage, vibration, position, speed, acceleration and mileage of the on-board equipment module, and vehicle fuel consumption, engine speed, number of rapid accelerations, number of rapid brakes, early peak driving duration, early peak driving distance, late peak driving duration and late peak driving distance data.
According to a preferred embodiment, the on-board device module is not limited to being connected to the vehicle through a vehicle OBD interface or a cigarette lighter interface; the vehicle-mounted equipment module can be internally provided with a GPS module, a speed sensor module and a camera.
According to a preferred embodiment, the mobile equipment module is provided with a display interaction unit at least configured to display information acquired through the vehicle-mounted equipment module, present the expected premium calculated by the mobile-end insurance pricing model to the user, and confirm to the user whether to send data to the server and calculate the actual premium when the user selects the personalized premium.
According to a preferred embodiment, the mobile device module is not limited to communicate with the vehicle-mounted device module by means of WIPI, WIFI or bluetooth.
According to a preferred embodiment, the server module comprises an insurance quotation unit; the insurance quotation unit is configured to send premium quotation to the mobile equipment module after receiving the data sent by the mobile equipment; and after the mobile equipment end user confirms that the new premium is accepted, recording the premium plan selected by the user.
According to a preferred embodiment, the server module comprises an insurance pricing model unit configured to complete calculation of parameters for calculating premium based on data collected by the on-board equipment module and to construct an insurance pricing model by a mechanical learning method based on the calculated parameters.
According to a preferred embodiment, the server module further comprises a fraud identification unit; the fraud identification unit is configured to identify whether the user transmits actual vehicle real usage data and to provide a premium offer by the control module only when the user is determined to be a low fraud risk user.
The main scheme and the further selection schemes can be freely combined to form a plurality of schemes which are all adopted and claimed by the invention; in the invention, the selection (each non-conflict selection) and other selections can be freely combined. The skilled person in the art can understand that there are many combinations, which are all the technical solutions to be protected by the present invention, according to the prior art and the common general knowledge after understanding the scheme of the present invention, and the technical solutions are not exhaustive herein.
The invention has the beneficial effects that: through the setting of the system, the user can obtain the individual insurance product which is based on the actual driving behavior and has transparent premium.
Drawings
FIG. 1 is a schematic illustration of the present invention car insurance pricing system;
FIG. 2 is a block diagram of the onboard equipment of the system of the present invention.
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that, in order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention are clearly and completely described below, and it is obvious that the described embodiments are some embodiments of the present invention, but not all embodiments. Thus, the following detailed description of the embodiments of the present invention is not intended to limit the scope of the invention as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 discloses a schematic diagram of the car insurance pricing system of the invention, and fig. 2 discloses a structural diagram of an on-board device module of the system of the invention.
Referring to fig. 1 and 2, the invention discloses a system for pricing car insurance through vehicle-mounted equipment, which comprises a vehicle-mounted equipment module, a mobile equipment module and a server module. The vehicle-mounted equipment module at least comprises a sensor, a processor and a data transmitting device. The mobile device module includes at least a control unit, a communication unit, and a display unit. The server unit comprises at least an insurance offer unit, an insurance pricing model unit and a fraud identification unit.
Preferably, the vehicle-mounted device module is configured to complete vehicle driving and usage data collection through the sensor and transmit the collected data to the mobile device module. The mobile device module is configured to perform personalized calculation of premium based on the vehicle driving and usage data sent by the vehicle-mounted device module and the insurance pricing model sent by the server module. The server module is configured to complete calculation of parameters for calculating a premium based on data collected by the in-vehicle device module, and construct an insurance pricing model through a mechanical learning method based on the calculated parameters, and update the obtained insurance pricing model to the mobile device module.
Preferably, the vehicle driving and usage data collected by the vehicle equipment module through the sensors includes but is not limited to: voltage, vibration, position, speed, acceleration and mileage of the on-board equipment module, and vehicle fuel consumption, engine speed, number of rapid accelerations, number of rapid brakes, early peak driving duration, early peak driving distance, late peak driving duration and late peak driving distance data.
Preferably, the vehicle-mounted device module can be a vehicle built-in module or is connected with a vehicle through a vehicle OBD interface or a cigarette lighter interface. And a GPS module, a speed sensor module and a camera are arranged in the vehicle-mounted equipment module.
Further, when the on-board equipment module is powered by the OBD interface, the equipment sensor can acquire data such as the speed, the acceleration, the mileage, the oil consumption of the vehicle, the rotating speed of the engine and the like of the OBD standard interface of the vehicle. When the vehicle-mounted equipment module is powered by the cigarette lighting port interface, interface voltage data can be acquired. When the device is provided with a GPS module, the device sensor can acquire time, position, speed and other data. When the vehicle-mounted equipment module is internally provided with a speed sensor, the equipment sensor can acquire data such as equipment posture, vibration, speed, acceleration and the like. When the vehicle-mounted equipment module is internally provided with the camera, the equipment sensor can acquire data such as videos.
Preferably, the data collected by the sensors is processed by the processor into a uniform standard format and then stored in the data storage device. And after the data sending device is connected with the client, the data is sent to the client from the data storage device. Even if the data sending device is not connected with the client, the client can judge the stay time of the user in the vehicle by scanning the signal of the vehicle-mounted equipment, and the vehicle-mounted equipment can judge the stay time of the user in the vehicle by scanning the signal of the client.
When the capacity of the data storage device is insufficient or the equipment is not provided with the data storage device, the data collected by the equipment can be directly sent to the mobile client in real time. The data transmission mode comprises the step of transmitting data to the user mobile phone client App through Bluetooth connection.
The advantages of using this approach are: and network data modules such as SIM cards and the like do not need to be built in the equipment, so that the equipment cost is reduced. Data transmission cost is degraded without transmitting data equipment through a network. The data packets are not exposed in the network, and the data security is enhanced.
Preferably, the vehicle-mounted data module can be additionally provided with a practical function device, such as mobile phone answering, radio power amplification, audio and video file playing, USB interface power supply, vehicle anti-theft alarm lamp function, screen projection display and other functions. The function has the advantages that the use frequency of the equipment by the user is enhanced, and the aim is to enable the user to place the equipment in the vehicle for a long time and acquire the vehicle running information as much as possible.
The mode of the vehicle-mounted device module can be a vehicle factory built-in device (such as built-in Bluetooth), or a vehicle external device (such as OBD or cigarette lighting port external device), or a placement type external device (such as Bluetooth beacon).
Preferably, the communication unit of the mobile device module is configured to search for a wireless signal transmitted by the in-vehicle device module. When the vehicle-mounted device is close enough to the mobile device to establish the wireless connection, the wireless connection is tried to be established and data is received from the vehicle-mounted device.
Further, the wireless signal may be in the form of Wi-Fi or Bluetooth. The signal coverage range only needs to be within a few meters and is enough to judge whether the user is in the vehicle.
When the mobile device searches for the wireless signal of the vehicle-mounted device, the time of the Bluetooth signal can be recorded, and the driving time of a client can be estimated under the condition that wireless connection is not required to be established. Further, Bluetooth Low energy (Bluetooth Low energy) technology may be used. This has the advantage of reducing power losses when the battery itself is powered or by the vehicle battery.
Preferably, the in-vehicle device direction may be judged using a bluetooth Arrival Angle (Angle of Arrival AoA) and emission Angle (Angle of future AoD) technique. When a plurality of Bluetooth devices are arranged in the vehicle, the position of the mobile device in the vehicle is further judged, and whether the driver uses the mobile device in the driving process is judged through position movement.
After the mobile equipment module is connected with the vehicle-mounted equipment module, the driving information of the customer can be acquired through the vehicle-mounted equipment signal, wherein the driving information comprises but is not limited to the voltage, the vibration, the position, the speed, the acceleration and the mileage of the vehicle-mounted equipment module; and vehicle oil consumption, engine speed, emergency acceleration times, emergency braking times, early peak driving time, early peak driving distance, late peak driving time, late peak driving distance and the like.
Preferably, the mobile equipment module is provided with a display interaction unit at least configured to display information acquired through the vehicle-mounted equipment module, present an expected premium calculated by the mobile-end insurance pricing model to the user, confirm to the user whether to send data to the server when the user selects a personalized premium, and calculate an actual premium.
Specifically, the mobile equipment module control unit stores data which is acquired from the vehicle-mounted equipment module and used for pricing automobile insurance, and the data is displayed through a screen to realize the following functions: displaying the information acquired by the vehicle-mounted equipment to a user; the expected premium calculated by the mobile terminal pricing model is displayed for the user, when the personalized premium using the vehicle-mounted data is obviously lower than the fixed premium, the user is advised to use personalized premium calculation, and when the personalized premium using the vehicle-mounted data is higher than the fixed premium, the user is advised to continue driving and continue calculating whether premium discount can be obtained; when the user selects the personalized premium, confirming whether the data is sent to the server to the user, and calculating the actual premium; the server further processes and validates the data and sends a final confirmation personalized premium to the mobile module.
Preferably, the personalized premium is calculated at a fixed price per year, month, day, or a fixed price per hour of driving, or a fixed price per kilometer of driving. The fixed price characteristic eliminates the uncertainty of the user on the calculation of the personalized premium.
The mobile equipment module control unit receives the personalized premium from the server and then confirms the personalized premium to the user again. After the user accepts the personalized insurance premium, the user can submit insurance related information, manage the insurance policy, renew the insurance policy and submit an insurance claim settlement application through the mobile equipment.
Preferably, the insurance quotation unit in the server module is configured to send premium quotation to the mobile device module after receiving the data sent by the mobile device; and after the mobile equipment end user confirms that the new premium is accepted, recording the premium plan selected by the user.
Preferably, the insurance pricing model unit in the server module is configured to complete calculation of parameters for calculating premium based on data collected by the on-board device module and construct an insurance pricing model by a mechanical learning method based on the calculated parameters. The premium derived is personalized since the onboard data module collects the actual vehicle usage data of the user.
And after the server module updates the insurance pricing model, updating the model to the mobile equipment module and storing the model in the mobile equipment module. After the mobile device module locally stores the insurance pricing model, the mobile device side can locally calculate the premium without sending the vehicle usage data to the server side.
The vehicle usage data may include vehicle location, video and audio recordings, etc., which may include personal information of the user. As personal data protection laws become more stringent, the present method is advantageous in that premium offers are provided to users without directly using vehicle use data.
When a mobile phone App of a client is issued, the use condition of the App for user data needs to be examined. When the App collects personal data and sends it directly to the server, the reviewer may refuse to publish the App. The local data processing method used by the present invention facilitates review by data usage.
When the mobile terminal cannot synchronize the latest premium pricing model with the server terminal due to the reasons of insufficient computing power, limited programming function, untimely updating frequency and the like. The mobile terminal can store the model with light weight and low updating frequency and give the predicted premium quotation range of the server terminal. And after the authorization of the user is obtained, the user data is sent to the server side and the actual premium price is calculated.
Preferably, the server module further comprises a fraud identification unit; the fraud identification unit is configured to identify whether the user transmits actual vehicle real usage data and to provide a premium offer by the control module only when the user is determined to be a low fraud risk user.
Because the vehicle use data is collected by the mobile module and is sent to the server after being processed and authorized by the mobile module, the data received by the server does not necessarily truly reflect the actual driving of the user. The user may not provide real driving information to the server by moving the vehicle-mounted device module out of the vehicle, cutting off the power supply of the vehicle-mounted device module, disconnecting the vehicle-mounted device from the mobile client, and the like.
Therefore, the fraud identification unit is required to determine whether the received data is authentic and valid. For the users with higher risk judged by the fraud identification unit, the server side does not offer insurance, and prompts the users with an improvement scheme, such as checking whether the mobile module is powered off or not, whether the mobile client side is authorized or not, and the like.
Example 1:
the invention is described in detail with reference to the figures and the specific embodiments. Only the simplest functional device is exemplified here.
The vehicle-mounted equipment module is vehicle-mounted Bluetooth equipment powered by the cigarette lighting port, and is set to be an easily-identified unique Bluetooth address when leaving a factory.
And providing the vehicle-mounted equipment powered by the cigarette lighting port for the user, and recording the Bluetooth address of the equipment provided for the user.
The vehicle-mounted equipment module provides functions of USB interface power supply, Bluetooth telephone answering, music file playing and the like. The functionality provided by this device, and the fact that the ignition ports can only be used on the vehicle, makes it more likely that the user will place the device in the vehicle for a long period of time.
And recommending the user to download the APP through the mobile client of the mobile phone.
After the user opens the App for the first time, the App scans a preset Bluetooth address in nearby Bluetooth equipment and establishes pairing connection with the equipment through Bluetooth.
Besides the method for scanning the Bluetooth address, the App can also initiate Bluetooth pairing connection to the vehicle-mounted equipment in a mode of manually inputting equipment labels, Bluetooth addresses, unique bar codes or two-dimensional codes of the scanning equipment and the like.
Because the bluetooth is connected the restriction to the distance, only when the user is close the vehicle, cell-phone APP can only be connected with equipment, connects automatic disconnection when leaving the vehicle. The client can estimate the driving time of the user through the Bluetooth connection time.
When the device pairing is failed, the App can also obtain the time for searching the vehicle-mounted device signal through the Bluetooth address, and the driving time of the user is deduced according to the time.
Further, the App can judge whether the client is in the car through the Bluetooth signal intensity.
When the user opens the APP again, the APP automatically calls the system Bluetooth service to be connected to the paired vehicle-mounted equipment, and the pairing is not needed again.
After the connection is confirmed and the Bluetooth connection is established, the App obtains data through the Bluetooth connection and records the driving behavior of the user.
Specifically, after the Bluetooth is connected with the vehicle-mounted equipment, a foreground service is started, a polling task is executed, and whether the Bluetooth connection with the vehicle-mounted equipment is disconnected or not is checked at a certain time period. If the connection is not disconnected, executing a data transmission task, and transmitting the driving data to an app end for subsequent analysis; if the connection is disconnected, the Bluetooth connection is restarted, and if the number of attempts exceeds a certain threshold value, the App reminds the user to check whether the operation of the vehicle-mounted equipment is normal.
Further, the App client can acquire the running state of the vehicle through voltage reading of the vehicle-mounted equipment. For most vehicle types, after the engine is flamed out, the interface of the cigarette lighter can be automatically powered off, so that the vehicle can be judged to be in a static state. In the vehicle type with a small number of cigarette lighter interfaces not automatically powered off, after the engine is flamed out, the voltage of the cigarette lighter interfaces is automatically reduced, and the vehicle can be judged to be in a static state.
When a user authorizes the App to acquire GPS position information of the user, the App can acquire information such as driving distance and speed of a vehicle; when the user authorizes the App to acquire the information of the motion sensor, the App can acquire information of rapid acceleration, rapid deceleration and the like of the vehicle.
The App can collect GPS information, acceleration sensor speed and other information by itself, compare Bluetooth transmission data of the vehicle-mounted equipment, judge whether a vehicle is running, analyze data problems of the vehicle-mounted equipment, judge user fraud and the like.
When the user authorizes to provide additional information, the fraud risk may be analyzed by comparing the user information to the device information, such as a GPS address to the user address.
After a period of time of data collection, the App can analyze the risk of fraud, such as whether the daily driving path is consistent with the user's lifestyle, by comparing the user's driving behavior over a period of time.
When enough data is collected, the App can be combined with the server to predict the driving risk level of the user, the vehicle insurance claim payment probability and the claim payment amount, and the confidence interval of prediction.
When the reliability of the confidence interval is high, the client can show the estimated premium to the user and propose whether to send the data to the server to confirm the premium to the user.
When the confidence interval is not reliable enough, the client may show the user the time needed to collect enough data, or the reason for the data deficiency (e.g., loss of bluetooth connection, etc.).
And after the client obtains the user authorization, the client sends the user driving data to the server. The server side verifies whether the data uploaded by the client side is real and effective through the fraud identification module.
And when the user data is real and effective, calculating premium through the insurance pricing module, and sending the premium to the client. Meanwhile, the server side can retrain the pricing model and the fraud model by using data provided by the user.
After obtaining the new model, the server side can push the model to the mobile client side, and the new model is used for calculation locally at the mobile client side.
When the user chooses to accept the insurance, the vehicle insurance can be purchased through the mobile phone client. When the user chooses not to accept the premium, the driver can continue driving and wait for obtaining a new premium price.
Through the setting of the system, the user can obtain the individual insurance product which is based on the actual driving behavior and has transparent premium.
The foregoing basic embodiments of the invention and their various further alternatives can be freely combined to form multiple embodiments, all of which are contemplated and claimed herein. In the scheme of the invention, each selection example can be combined with any other basic example and selection example at will. Numerous combinations will be known to those skilled in the art.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.

Claims (8)

1. The system for pricing the car insurance through the vehicle-mounted equipment is characterized by comprising a vehicle-mounted equipment module, a mobile equipment module and a server module;
the vehicle-mounted equipment module is configured to complete vehicle driving and use data collection through the sensor and send the collected data to the mobile equipment module;
the mobile equipment module is configured to complete personalized calculation of premium based on the vehicle running and using data sent by the vehicle-mounted equipment module and the insurance pricing model sent by the server module;
the server module is configured to complete calculation of parameters for calculating a premium based on data collected by the in-vehicle device module, and construct an insurance pricing model through a mechanical learning method based on the calculated parameters, and update the obtained insurance pricing model to the mobile device module.
2. A system for pricing vehicle insurance via on-board equipment as claimed in claim 1 wherein the vehicle movement and usage data collected by the on-board equipment module via sensors includes but is not limited to: voltage, vibration, position, speed, acceleration and mileage of the on-board equipment module, and vehicle fuel consumption, engine speed, number of rapid accelerations, number of rapid brakes, early peak driving duration, early peak driving distance, late peak driving duration and late peak driving distance data.
3. A system for pricing vehicle insurance via vehicle-mounted device according to claim 2, wherein the vehicle-mounted device module is not limited to a vehicle-mounted device, or is connected to the vehicle via a vehicle OBD interface or a cigarette lighter interface;
the vehicle-mounted equipment module is internally provided with a GPS module, a speed sensor module and a camera.
4. The system for pricing car insurance via the in-vehicle device of claim 1, wherein the mobile device module is provided with a display interaction unit,
the display interaction unit is at least configured to display information acquired through the in-vehicle device module, present an expected premium calculated by the mobile-end insurance pricing model to the user, confirm to the user whether to send data to the server when the user selects a personalized premium, and calculate an actual premium.
5. The system for pricing vehicle insurance via vehicle equipment of claim 1, wherein the mobile equipment module is not limited to communicating with the vehicle equipment module via WIPI or bluetooth.
6. The system for pricing vehicle insurance via the vehicle-mounted device of claim 1, wherein the server module includes an insurance quote unit;
the insurance quotation unit is configured to send premium quotation to the mobile equipment module after receiving the data sent by the mobile equipment; and after the mobile equipment end user confirms that the new premium is accepted, recording the premium plan selected by the user.
7. A system for pricing car insurance through vehicle-mounted equipment according to claim 6, wherein the server module includes an insurance pricing model unit configured to complete calculation of parameters for calculating premium based on data collected by the vehicle-mounted equipment module and construct an insurance pricing model through a mechanical learning method based on the calculated parameters.
8. The system for pricing car insurance via the vehicle-mounted device of claim 1, wherein the server module further comprises a fraud identification unit;
the fraud identification unit is configured to identify whether the user transmits actual vehicle real usage data and to provide a premium offer by the control module only when the user is determined to be a low fraud risk user.
CN202110868441.3A 2021-04-01 2021-07-30 System for pricing car insurance through vehicle-mounted equipment Pending CN113554518A (en)

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