CN206684779U - A kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals - Google Patents

A kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals Download PDF

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Publication number
CN206684779U
CN206684779U CN201621459516.3U CN201621459516U CN206684779U CN 206684779 U CN206684779 U CN 206684779U CN 201621459516 U CN201621459516 U CN 201621459516U CN 206684779 U CN206684779 U CN 206684779U
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vehicle
mounted terminals
vehicle mounted
intelligent vehicle
adas
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陈小碾
张伟
朱林
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Suzhou Automotive Research Institute of Tsinghua University
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Suzhou Automotive Research Institute of Tsinghua University
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Abstract

The utility model discloses a kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals, including the ADAS intelligent vehicle mounted terminals connected by wireless network and remote service end, the remote service end passes through cloud server Connection Service monitor supervision platform, the ADAS intelligent vehicle mounted terminals include IMAQ and processing unit, GPS positioning device, acceleration transducer and data processing equipment, store-memory unit and wireless launcher, the remote service end includes communication gate, big data high in the clouds expert system and memory cell, big data high in the clouds expert system, for being analyzed data and classified and stored, the service monitoring platform is used to be monitored management to O&M vehicle according to the data of ADAS intelligent vehicle mounted terminals.The dangerous driving behavior of driver and early warning can be detected, improves the driving behavior of driver, effectively avoids accident, reduces vehicle insurance loss ratio.

Description

A kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals
Technical field
The utility model belongs to car insurance technology and technical field of intelligent traffic, and in particular to one kind is based on ADAS intelligence The insurance management service system of car-mounted terminal.
Background technology
Because market sale expense, channel expense are too high, combined ratio remains high, and user's insurance fraud problem is difficult to solve Etc. reason, vehicle insurance is increasingly difficult in keen competition to get a profit.According to middle throwing consultant《Market after 2016-2020 Chinese automobiles Depth is investigated and investment landscape prediction address》In point out, from 2014, in vehicle insurance field, the competition day of each insurance company Become white-hot, the label of " loss " is almost never left each other with vehicle insurance business.According to 42 non-listing property insurances for possessing vehicle insurance business The financial reporting datas in 2014 that company announces show that, wherein loss occurs in the vehicle insurance business for having 38, amount of loss is more than 100,000,000 The company of member has 20, has 6 more than 200,000,000 yuan.Also, in four A-share listings nearly enterprise, hooligan also occurs for 2014 for the first time The situation of vehicle insurance underwriting loss, vehicle insurance underwriting loss are up to 12.19 hundred million yuan.In order to reverse this situation, manufacturer is being insured also just Actively finding new outlet.
UBI(UsageBased Insurance)It is to be based on car owner's driving behavior and be combined using vehicle-relevant data Personalized insurance products.With UBI patterns vehicle insurance developing rapidly in America and Europe, China has also begun to the preliminary spy of UBI vehicle insurances Rope, especially in 2015, UBI vehicle insurances have started a burst of upsurge in insurance industry, and substantially using by insurance company or the 3rd The rear dress OBD+UBI patterns of square avoidance in vendor dominant context, still, there is many bottlenecks in extension process for the UBI vehicle insurances based on OBD: First, insurance company is difficult to be formed accurately UBI vehicle insurances pricing model, it is low that degree is held in the control to domestic UBI vehicle insurances premium; Second, the accurate binding between OBD equipment and vehicle is difficult to, the VIN codes of many vehicles can not be read out by OBD equipment Come, therefore, whether the vehicle that cannot judge equipment connection is vehicle of accepting insurance, the occurrence of can not preventing various insurance frauds; Third, collecting data by OBD, vehicle body driving data such as driver can only be collected into and brought to a halt number, but correlation can not be collected into Vehicle body ambient data, such as driver are braked under what road conditions, it is difficult to which the risk accidents that car owner may occur are entered Row identification control, the reference significance of these data is also limited.
Nowadays, using automatic Pilot as target, intelligent driving enters high-speed development period, ADAS(Advanced Driving Assistant System)As the best pick-up point of intelligent driving.ADAS systems are advanced drive assist system, refer to utilize Vehicle-mounted various sensors, sense the environment of surrounding at any time in vehicle traveling process, collect data, carry out quiet State, the identification of dynamic object, detecting and tracking, and navigation instrument map datum, carry out the computing and analysis of system, so as to pre- First allow driver to perceive the danger that may occur, be effectively increased the security and comfortableness of car steering.
Relative to the UBI insurances i.e. insurance model that is used based on user, the vehicle insurance pattern based on ADAS technologies we can be with The vehicle insurance pattern of referred to as PBI, i.e. Prevention Based Insurance- based on Risk-recovery, is carried by ADAS early warning Show and drive assistance function, reduce accident risk, so as to reduce because of actuarial cost caused by accident Claims Resolution.Relative to passive in the past Be in danger and result statistics or calculate with the not high data statistics of accident rate correlation, PBI insurance model makes insurance public Department has actively been got involved in accident management and control.Certainly, this pattern is not only to insurance company, to fleet/car operation company, to Family itself is all significant.The utility model is therefore.
Utility model content
For above-mentioned technical problem, the utility model provides a kind of vehicle insurance based on ADAS intelligent vehicle mounted terminals Management service system, it is simple in construction, cost is cheap, dangerous driving behavior and the early warning of driver are obtained by intelligent terminal, can To improve the driving behavior of driver, accident is effectively avoided, reduces vehicle insurance loss ratio.
The technical solution of the utility model is:
A kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals, including the ADAS connected by wireless network Intelligent vehicle mounted terminal and remote service end, the remote service end are described by cloud server Connection Service monitor supervision platform ADAS intelligent vehicle mounted terminals include IMAQ and processing unit, GPS positioning device, acceleration transducer and data processing dress Put, store-memory unit and wireless launcher, the remote service end include communication gate, big data high in the clouds expert system and Memory cell, big data high in the clouds expert system, for being analyzed data and classified and stored, the service monitoring platform Management is monitored to O&M vehicle for the data according to ADAS intelligent vehicle mounted terminals.
Preferably, the service monitoring platform is also connected with mobile terminal, and the mobile terminal is provided with APP, the service Monitor supervision platform gives the critical message real time propelling movement of customization to mobile terminal APP.
Preferably, described image collection and processing unit, are carried out at extraction for gathering video image, and to video image Manage and judge that driver whether there is dangerous driving behavior, record dangerous driving behavior and gather evidence;The GPS location dress Put, for carrying out satellite fix to vehicle and calculating distance travelled;The acceleration transducer and data processing equipment, for examining Anxious acceleration, anxious deceleration, the zig zag bad steering behavior of measuring car;When dangerous driving behavior and bad steering behavior, Alarmed by warning device;The store-memory unit, for the dangerous driving behavior to detection, bad steering behavior and Evidence is stored;The wireless launcher is used to location data and driving behavior data being persistently sent to remote service End.
Preferably, before the facial video image of the video image including driver, track video image and vehicle to regarding Frequency image.
Preferably, the dangerous driving behavior includes driver tired driving, phones with mobile telephone, smokes, and it is inclined that track occurs for vehicle From, forward direction risk of collision.
Compared with prior art, the utility model has the advantages that:
1st, the warning function of ADAS intelligent vehicle mounted terminals, it is simple in construction, cost is cheap, pass through intelligent terminal and obtain identification danger Dangerous driving behavior and driving conditions simultaneously carry out early warning to take corresponding measure to driver in advance, effectively avoid the generation of accident. By in driving procedure bad behavior carry out real-time reminding correction, and user's driving behavior reasonable scoring, examine in time Disconnected feedback, user's driving behavior and and then reduction accident can be improved;
2nd, analyze the driving behavior of driver and carry out driver's scoring, the excellent of more discounts is given to low-risk driver Favour, excitation driver is improved into driving behavior;
3rd, by ADAS data, the accident occurrence cause of accident each time can be relatively accurately traced substantially, is such as collided The functions such as detection, driving recording, electronic evidence is provided for accident Claims Resolution, contributes to anti-cheat of cracking down on counterfeit goods.
Brief description of the drawings
Below in conjunction with the accompanying drawings and embodiment is further described to the utility model:
Fig. 1 is the theory diagram of vehicle insurance management service system of the utility model based on ADAS intelligent vehicle mounted terminals;
Fig. 2 is the principle framework figure of the utility model ADAS intelligent vehicle mounted terminals;
Fig. 3 is the principle framework figure at the utility model remote service end;
Fig. 4 is the functional structure chart of the utility model service monitoring platform
Fig. 5 is the utility model mobile terminal APP functional framework figure.
Embodiment
To make the purpose of this utility model, technical scheme and advantage of greater clarity, with reference to embodiment And referring to the drawings, the utility model is further described.It should be understood that these descriptions are merely illustrative, and do not really want Limit the scope of the utility model.In addition, in the following description, the description to known features and technology is eliminated, to avoid not Necessarily obscure concept of the present utility model.
Embodiment:
Below in conjunction with the accompanying drawings, preferred embodiment of the present utility model is described further.
As shown in figure 1, a kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals in the utility model, including ADAS intelligent vehicle mounted terminals, remote service end and monitoring client, monitoring client include service monitoring platform and are installed on mobile terminal Wechat or APP cell-phone customer terminals.
As shown in Fig. 2 ADAS intelligent vehicle mounted terminals include IMAQ and processing unit, GPS positioning device, acceleration pass Sensor and data processing equipment, store-memory unit, wireless launcher.
As shown in figure 3, remote service end includes communication gate, big data high in the clouds expert system, memory cell.
In practical application scene, ADAS intelligent vehicle mounted terminals detect closing for driver by IMAQ and processing unit Eye, yawn, dispersion attention, phone with mobile telephone, smoke, detecting the dangerous driving behavior such as deviation and forward direction collision warning, and These dangerous driving behaviors are carried out to record processing and evidence collection.By acceleration transducer and data processing equipment, it is based on The bad steering behaviors such as acceleration transducer technology for detection suddenly accelerates, anxious deceleration, zig zag, GPS is gathered by GPS positioning device Information, mileage information is calculated, is then stored in store-memory unit, and remote service end is sent to by wireless launcher; When dangerous driving behavior and bad steering behavior, alarmed by warning device.
The communication gate at remote service end is responsible for receiving the valid data transmitted by wireless launcher, passes through big data cloud End expert system is analyzed data and classified and stored stores to by memory cell, and by the critical message of customization (Such as fatigue driving, phone with mobile telephone, warning message of smoking)Real time propelling movement is to service monitoring platform, wechat client or APP client End.
Big data high in the clouds expert system includes accident doubtful point analysis model, and driving interior for the previous period occurs according to accident Data and the dangerous driving alert data such as close one's eyes, phone with mobile telephone, smoking, and the collision of deviation, forward direction, it is anxious accelerate, suddenly deceleration, The bad steering data such as zig zag analyze accident doubtful point and investigate reason;Driver's Rating Model, according to the driving of driver Behavioural habits, including dangerous driving behavior and bad steering behavior carry out marking ranking to driver's driving behavior;Vehicle maintenance Computation model is maintained, the ginseng such as time, planned maintenance cycle was maintained according to VMT Vehicle-Miles of Travel, traffic accident data, last time Number, calculate maintenance cycle next time and content;Bicycle analysis model, according to the travelling data of vehicle, driving in a period of time Behavioral data, alert data, maintenance data, mileage generation bicycle comprehensive assessment report.
Service monitoring platform in Fig. 4, design towards object be for car enterprise and supervision center, including vehicle monitoring mould Block, safety management module, operation management module, statement management module, system management module.Vehicle monitoring module can realize prison Control vehicle-state(Including position, speed, alarm condition), vehicle history driving trace can be checked, vehicle line can be carried out Preset with fence region, management can be scheduled to vehicle according to business needs and vehicle-state.It can be risen to long-range ADAS intelligent vehicle mounted terminal parameters described in level.The danger that safety management module can upload to described ADAS intelligent vehicle mounted terminals Dangerous driving behavior alarm is handled, and the evidence management that can alarm dangerous driving is checked, can be with the ADAS described in remote control Intelligent vehicle mounted terminal carries out alarm prompting.Operation management module can carry out driver to vehicle using driver's Rating Model and comment Point and ranking, to low-risk driver, the preferential of more discounts is given in insurance, can utilize accident doubtful point analysis model to having sent out Raw traffic accident carries out the analysis of accident doubtful point and assists cause of accident investigation, can be generated according to vehicle history travelling data single Car analysis report.Statement management module can upload point position data, alert data, picture to described ADAS intelligent vehicle mounted terminals With the generation statistical report form such as video evidence, the business of car enterprise, insurance business.System administration can to platform vehicle, car-mounted terminal, drive The person of sailing, business organization, user go authority etc. to be managed.
Wechat or APP Client Designs in Fig. 5 towards object include supervisor and driver.ADAS can be based on The data that intelligent vehicle mounted terminal uploads are included to vehicle to be monitored in real time with service monitoring platform identical, alert process, list The integrated managements such as car analysis report, the analysis of accident doubtful point, driver's scoring, in addition to vehicle maintenance emm message, driver are recruited Engage, for service managements such as the services of driving.
To the cell-phone customer terminal towards supervisor, it is possible to achieve supervised in real time comprising the vehicle on the service monitoring platform Control, historical track are checked, history alarm is checked, while can utilize vehicle maintenance maintenance computation model, calculate institute's management vehicle The maintenance date, annual test prompting can be carried out to all drivers and vehicle, driver's recruitment information can be issued.Meet Supervisor monitors travel condition of vehicle anywhere or anytime, and operation is more flexibly convenient, and the reality of customization is received in the very first time When data, increase work efficiency.
For the cell-phone customer terminal towards driver, self-driving vehicle can be monitored in real time, history wheelpath is looked into See, driver's scoring and ranking are checked, vehicle maintenance maintenance computation model can be utilized to judge the maintenance date, can be to driving The person of sailing and vehicle carry out annual test prompting, can recommend vehicle maintenance emm message and driver's recruitment information, can issue generation and drive Information on services etc..
It should be appreciated that above-mentioned embodiment of the present utility model is used only for exemplary illustration or explains this reality With new principle, without forming to limitation of the present utility model.Therefore, without departing from spirit and scope of the present utility model In the case of any modification, equivalent substitution and improvements done etc., should be included within the scope of protection of the utility model.In addition, The appended claims for the utility model are intended to fall into scope and border or this scope and border Whole in equivalents changes and modifications example.

Claims (4)

1. a kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals, it is characterised in that including passing through wireless network The ADAS intelligent vehicle mounted terminals of connection and remote service end, the remote service end are monitored flat by cloud server Connection Service Platform, the ADAS intelligent vehicle mounted terminals include IMAQ and processing unit, GPS positioning device, acceleration transducer and data Processing unit, store-memory unit and wireless launcher, the remote service end include communication gate, big data high in the clouds expert System and memory cell, the service monitoring platform are used to supervise O&M vehicle according to the data of ADAS intelligent vehicle mounted terminals Keyholed back plate is managed.
2. the vehicle insurance management service system according to claim 1 based on ADAS intelligent vehicle mounted terminals, it is characterised in that institute State service monitoring platform and be also connected with mobile terminal, the mobile terminal is provided with APP, and the service monitoring platform is by the pass of customization Key message real time propelling movement gives mobile terminal APP.
3. the vehicle insurance management service system according to claim 1 based on ADAS intelligent vehicle mounted terminals, it is characterised in that institute IMAQ and processing unit are stated, for gathering video image, and extraction process is carried out to video image and judges that driver is No dangerous driving behavior, record dangerous driving behavior and gather evidence;The GPS positioning device, for being carried out to vehicle Satellite fix simultaneously calculates distance travelled;The acceleration transducer and data processing equipment, accelerate, suddenly for detecting the anxious of vehicle Slow down, zig zag bad steering behavior;When dangerous driving behavior and bad steering behavior, reported by warning device It is alert;The store-memory unit, stored for the dangerous driving behavior to detection, bad steering behavior and evidence;It is described Wireless launcher is used to location data and driving behavior data being persistently sent to remote service end.
4. the vehicle insurance management service system according to claim 3 based on ADAS intelligent vehicle mounted terminals, it is characterised in that institute Stating video image includes facial video image, track video image and the vehicle forward video image of driver.
CN201621459516.3U 2016-12-28 2016-12-28 A kind of vehicle insurance management service system based on ADAS intelligent vehicle mounted terminals Active CN206684779U (en)

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106651602A (en) * 2016-12-28 2017-05-10 清华大学苏州汽车研究院(吴江) ADAS intelligent vehicle-mounted terminal-based vehicle insurance management service system
CN109343488A (en) * 2018-10-30 2019-02-15 南京国电南自维美德自动化有限公司 Fieldbus monitoring early-warning system and method based on wechat and FDT technology
CN111127228A (en) * 2019-12-30 2020-05-08 山东坤达诚经济咨询有限公司 Risk factor identification method, system and terminal
CN111325870A (en) * 2018-12-14 2020-06-23 杭州海康威视数字技术股份有限公司 System evaluation method and device, electronic equipment and readable storage medium
CN112767679A (en) * 2020-11-11 2021-05-07 深圳前海车米云图科技有限公司 Intelligent system with accident backtracking function
CN114419880A (en) * 2021-12-28 2022-04-29 深圳市航天无线通信技术有限公司 Driving behavior analysis method and system based on human, vehicle and environment

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106651602A (en) * 2016-12-28 2017-05-10 清华大学苏州汽车研究院(吴江) ADAS intelligent vehicle-mounted terminal-based vehicle insurance management service system
CN109343488A (en) * 2018-10-30 2019-02-15 南京国电南自维美德自动化有限公司 Fieldbus monitoring early-warning system and method based on wechat and FDT technology
CN111325870A (en) * 2018-12-14 2020-06-23 杭州海康威视数字技术股份有限公司 System evaluation method and device, electronic equipment and readable storage medium
CN111127228A (en) * 2019-12-30 2020-05-08 山东坤达诚经济咨询有限公司 Risk factor identification method, system and terminal
CN112767679A (en) * 2020-11-11 2021-05-07 深圳前海车米云图科技有限公司 Intelligent system with accident backtracking function
CN114419880A (en) * 2021-12-28 2022-04-29 深圳市航天无线通信技术有限公司 Driving behavior analysis method and system based on human, vehicle and environment

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