Background technology
Vehicle-mounted information service system is collection auto-navigation system, auto security system, reaches the vehicle-mounted service platform of car audio system and one, the system of multi-function services such as comprising road guide, service for life, automobile burglar, car entertainment can be provided.Can provide at present the domestic and international company of this system to mainly contain AM General onstar company, Japan G-book companies of Toyota etc. are veteran company aspect vehicle information service system in the world, and domestic mainly is that Anji magnitude company is engaged in vehicle information service system construction and exploitation.
There has been at present in the world U.S. Progressive PGR company to invent insuring the data acquisition and processing (DAP) system of vehicle, namely obtain a large amount of relevant secure context data (comprising the data such as age, sex, marital status, place of abode, drive recorder) by the operation characteristic of monitoring automobile and driver's behavior, by analyzing, provide a more accurate cost of determining insurance for different vehicle.
On September 30th, 2009 disclosed " a kind of method of remotely treating automobile insurance service and system thereof " (publication number is CN101546416) at home, described by communication module and realized the mode that vehicle insurance is reported a case to the security authorities and served, belonged to a kind of blank that vehicle-mounted information service combines with insurance business.
Though existing invention has solved the every terms of information collection of insurance company to the car owner in the prior art, and by comprehensive judgement, determine the cost of vehicle premium, but do not solve the combination of its insurance business and existing vehicle-mounted information service system, can not provide based on the car insurance service business on the vehicle-mounted information service system basis for the user.
Although the invention that the method and system of present disclosed remotely treating automobile insurance service is relevant has both at home and abroad solved the business relations between car insurance business and the car-mounted terminal, but fail to solve the problem that vehicle-mounted information service is combined with insurance service, can't be in collection vehicle related data under the distributed environment, for insurance company's insurance business provides data mining, and set up the car insurance analytical model, for the exploitation of insurance business new product provides tactful supporting business pattern.The obstacle of its development mainly is to concentrate on different pieces of information source under the distributed environment, on the data acquisition and communication such as the data acquisition between different insurance companies and the different onboard system.
The utility model content
The purpose of this utility model is to overcome problems of the prior art, proposes a kind of automobile insurance information service system of utilizing on-vehicle information.
The automobile insurance information service system of utilizing on-vehicle information of the present utility model comprises
One data acquisition module, be connected by wireless or wired mode with the server of one or more vehicle-mounted information service systems and each car-mounted terminal of this system, one or more insurance database respectively, extract vehicle-mounted information service usage data (vehicle-mounted TSP service data), vehicle data, insurance data; Wherein each car-mounted terminal is connected with each automobile body bus interface by its acquisition interface;
One data analysis module is connected with data acquisition module, and the Various types of data that the receive data acquisition module extracts is analyzed according to the pattern of setting, and the data after analyzing are sent to insurance company's database;
One settlement of insurance claim module is connected with data acquisition module, according to the data that receive, generates the Claims Resolution flow process.
Described data acquisition module is connected with the settlement of insurance claim module by interface protocol, according to the instruction acquisition insurance data of transmitting.
Described data acquisition module also links to each other with the third-party server of preserving car owner and/or vehicle-related information and comprises the data message of user basic information data with extraction.
Described third-party server comprises depot's server, maintenance producer's server and bank server.
Described data acquisition module is established the Various types of data of one or more database storage of collected, and described data analysis module obtains to analyze from database uses data.
The set database of described data acquisition module is through encrypting.
Described data acquisition module carries out data acquisition according to instruction cycle property ground or instantaneity ground.
Described vehicle data comprises vehicle location, running speed, and distance travelled, engine temperature, water tank temperature, engine is opened, the shut-in time.
Described vehicle-mounted TSP service data comprises the access times of the on-vehicle information service functions such as key navigation access times, call forwarding number of times, route planning number of times, navigation point of interest inquiry times, and the time range of using.
Described each vehicle-mounted information service system is identical or not identical.
Described car-mounted terminal is the identical or different product of specification, adopts identical or different operating system.
Described car-mounted terminal is established ptt button, to trigger the Claims Resolution flow process.
The utility model solved under the existing information technical conditions vehicle-mounted information service system and insurance system in conjunction with problem, the settlement of insurance claim service when being provided, vehicle-mounted information service is provided, and by collection vehicle, user behavior data, vehicle information service system data, set up the distributed data analyzing model, for insurance company provides each car owner's risk factor, for determining the premium cost, insurance company provides Data support.Simultaneously the client area can be divided into different responsive colony and risk group, support for insurance company's business innovation (product development design, Service Design, price fixing) provides technical strategy.
Embodiment
For above-mentioned feature and advantage of the present utility model can be become apparent, embodiment cited below particularly, and cooperate accompanying drawing to do following detailed description.
As shown in Figure 1, the server of automobile insurance information service system of the present utility model and one or more vehicle-mounted information service systems is by wireless mode or wired mode network connection, mainly comprise 3 system modules, i.e. settlement of insurance claim module, data acquisition module, data analysis module.Wherein settlement of insurance claim module is responsible for vehicle emergency is carried out the Claims Resolution service; Data acquisition module is respectively from vehicle-mounted information service system, vehicle, insurance company and third party's image data.Automobile insurance information service system of the present utility model can require service is organized according to customization in the service that provides; Data analysis module filters the various data that data acquisition system (DAS) gathers, put in order, analyze.
The utility model is supported different car-mounted terminal products, such as company's end products such as Denso, LG, Continental, Pioneer, Alpine, Aisin, Harman, Visteon, Desay SV, Delphi, Johnson Controls, Marrelli, Mitsubishi Electric.The utility model is supported the several operation systems end product simultaneously, such as operating systems such as LINUX, WinCE, MeeGo, Android, QNX.
The utility model system is by acquisition interface and the body of a motor car bus inferface protocol of car-mounted terminal product, every data message of collection vehicle, multinomial vehicle datas such as running speed, distance travelled, engine temperature, water tank temperature, engine unlatching, shut-in time; Simultaneously, utilize position, the speed of vehicle GPS collection vehicle, judge the distance travelled of vehicle, realize the validation-cross of the several data information such as velocity information, mileage information, guarantee the accuracy of data acquisition.And can collect the mode of serving by on-vehicle information and issue by vehicle-mounted service platform, can carry out the customization that on-vehicle information is collected service according to different insurance coverage demands, different vehicle hardware standards, different legal provisions.
System of the present invention is by the interface protocol definite with insurance company, the mode of transmitting by instruction is from the disposable collection insurance data of insurance company's declaration form management system, obtain user's policy information, comprise insurance slip number, the insurance term of validity, insurance type, relief scope, insured data such as paying the amount of money, the highest compensation amount of money, historical compensation, as shown in Figure 2.
The utility model system is by using company or other third company of vehicle-mounted information service system to cooperate with other simultaneously, by the open data-interface of cooperative venture's server, native system can be realized obtaining vehicle-mounted TSP service data from cooperative venture in real time or periodically, the categorical data of the prescribed forms such as time range, vehicle location, speed and vehicle mileage that comprises access times, the use of the on-vehicle information service functions such as key navigation access times, call forwarding number of times, route planning number of times, navigation point of interest inquiry times, as shown in Figure 3.
Above-mentioned three kinds of Data Sources, after part was sent instruction by the automobile insurance information service system, image data was uploaded, and part is carried out data acquisition by the default time cycle.The data communication device that gathers is crossed the GPRS passage, is transferred to the automobile insurance information service system.
Simultaneously the utility model by and the crm system docking of depot's crm system or third company, disposable collection user's essential information comprises a series of data messages such as age, sex, driving age of car owner, as shown in Figure 4.
By settlement of insurance claim service, data acquisition and data analysis, finally form the consumer's risk analysis system data that insurance company provides strategy to support, insurance company formulates concrete insurance strategy scheme according to analysis result to vehicle, and the structural relation between the utility model system each several part and business relations are as shown in Figure 5.
The settlement of insurance claim module is responsible for processing Claims Resolution and the result feedback of vehicle, and corresponding vehicle maintenance and insurance deal with data are provided.Comprise that mainly vehicle emergency is reported a case to the security authorities, vehicle is settled a claim process monitoring and vehicle maintenance result feedback etc.
As shown in Figure 6, the idiographic flow of vehicle Claims Resolution service can be following mode:
Behind vehicle emergency, the user is by the phone in the vehicle-mounted information service system registration, or ptt button on the startup car-mounted terminal product, settles a claim and reports a case to the security authorities.
The contact staff of insurance company is by confirming the particular content that gets into danger with the client, and sends the on-the-spot setting loss of Claims Resolution slip-stick artist, and insurance company specifies the car owner to keep in repair to a certain 4 S auto shop according to the result of Claims Resolution slip-stick artist site inspection.
After vehicle sent and repaiies, 4 S auto shop passed to insurance company with repair message, and the service scenario of 4 S auto shop is understood by insurance company to the user when handling the Claims Resolution formality for the user, corresponding record is done in the maintenance of vehicle and the service of 4 S auto shop.
Data acquisition module mainly gathers vehicle-mounted information service data, vehicle and the user's of car insurance Claims Resolution information, vehicle data and insurance data etc., and the Various types of data that gathers is left in respectively in the corresponding database.
As shown in Figure 7, data acquisition is to send instruction by the automobile insurance information service system, and this instruction is divided into 2 kinds of periodically instruction and instantaneities, gathers respectively different data.For example data acquisition module is delivered to the car-mounted terminal product with acquisition instructions, the car-mounted terminal product by with the relation of the interface protocol of vehicle CAN resistance line, periodically or instantaneity collection vehicle data; By periodically gathering the data that the user uses vehicle-mounted information service with the vehicle-mounted information service system interface protocol; By with the interface protocol of insurance company, disposable collection insurance company car insurance data.
Be in privacy of user is considered, all Database Systems are all taked secrecy provision, prevent the user profile leakage.Various image data types and originate as shown in table 1.
Table 1
Vehicle data is as shown in table 2.
Table 2
Vehicle-mounted TSP service data is as shown in table 3.
Table 3
Insurance data is as shown in table 4.
Table 4
Sequence number |
Data item |
Data description |
Data Elements |
1 |
Drive type |
Vehicle belongs to the use of which kind of character, for example business type |
|
2 |
The insurance kind scope |
Buy the business risk of which kind of type |
|
3 |
The insurance term of validity |
Buy effective cut-off date of insurance slip |
|
4 |
Insure the number of times of reporting a case to the security authorities |
|
|
5 |
The settlement of insurance claim number of times |
|
|
6 |
Historical loss ratio |
|
|
7 |
Non-insured scope |
The not restriction of the car insurance in the declaration form scope |
|
8 |
The insurance responsibility restriction |
The insurance ratio that insurance company undertakes |
|
9 |
Franchise |
The starting point of minimum insurance |
|
User's master data is as shown in table 5.
Table 5
Data analysis module relies on the total data of data collecting module collected, sets up different data models.According to the rule of each model analysis, the user area is divided into different risk groups, make things convenient for insurance company's insurance products different to the different groups User Exploitation, formulate different piemium rates.
The data analysis module risk probability that analysis user drives to be in danger from the owner information database of data acquisition module.Analyzing data item and particular content comprises: vehicle value, car owner's sex, car owner's age, car owner's driving age, car owner's language, car owner's occupation, car owner's position, car owner's marital status and car owner residential area.
Judge by above owner information whether the car owner belongs to strong awareness of safety is arranged.
Data analysis module obtains the condition information that the car owner uses the vehicle-mounted information service system function from data acquisition module, judges risk probability corresponding to vehicle.Analyzing data item and content comprises: the number of calls, PTT number of times, calling T.T., GPRS flow, the number of times of layout of roads, number of times, real-time road access times, weather forecast query number of times, weather warning inquiry times, traffic announcements inquiry times, remote vehicle security and the vehicle condition alert service of call diversion.
Judge that by above data analysis whether vehicle user is through the auxiliary lower use vehicle of the vehicle-mounted information service system of being everlasting; to protection situation of vehicle etc.; judge vehicle in the actual travel process, may because of the excessive use that road is unfamiliar with or the weather reason causes vehicle, increase the risk probability.
The explanation of above embodiment just is used for helping to understand method of the present utility model and core concept thereof, and this description should not be construed as restriction of the present utility model, and protection domain of the present utility model is when being as the criterion with claims.