CN209312096U - For monitoring the monitoring terminal and car insurance system of driving behavior data - Google Patents
For monitoring the monitoring terminal and car insurance system of driving behavior data Download PDFInfo
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- CN209312096U CN209312096U CN201920127602.1U CN201920127602U CN209312096U CN 209312096 U CN209312096 U CN 209312096U CN 201920127602 U CN201920127602 U CN 201920127602U CN 209312096 U CN209312096 U CN 209312096U
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Abstract
The utility model relates to a kind of for monitoring the monitoring terminal and car insurance system of driving behavior data, the monitoring terminal for being used to monitor driving behavior data includes the first monitoring unit, processor, communication unit and Power Management Unit, first monitoring unit is for acquiring driving behavior information, driving behavior information includes bringing to a halt, zig zag, it is anxious to accelerate, anxious deceleration is any one or more of, processor transfers out the driving behavior information that the first monitoring unit monitors by communication unit, Power Management Unit is the first monitoring unit, processor, electric energy needed for communication unit provides work.This monitoring terminal for monitoring driving behavior data can cooperate with processing server, realize the driving behavior information according to different drivers to calculate premium, compared to traditional premium calculation more rationally, optimize.
Description
Technical field
It is the utility model relates to assurance technology field, in particular to a kind of for monitoring the monitoring terminal of driving behavior data
And car insurance system.
Background technique
The thing done is had to the vehicle almost every car owner that insures, such as compulsory insurance for traffic accident of motor-drivenvehicle, third party's liability insurance, is stolen and robbed
Danger etc..In fact, whether vehicle occurs having much relations with driver, the driving habit of driver is bad, vehicle occurrence risk
Probability it is just relatively much larger.However, due to lacking objective quantization means in the prior art, it can not be to the row of vehicle driver
Quantitative statistics are carried out for habit, the calculation of present premium is caused all to be fixed and invariable, premium, which calculates, lacks reasonability.
Utility model content
The purpose of this utility model is that improve the prior art in the presence of due to can not to vehicle time used into
The deficiency of row quantization, provides a kind of for monitoring the monitoring terminal and car insurance system of driving behavior data.
In order to realize that above-mentioned purpose of utility model, the utility model embodiment provide following technical scheme:
It is a kind of for monitoring the monitoring terminal of driving behavior data, including the first monitoring unit, processor, communication unit and
Power Management Unit, the first monitoring unit for acquiring driving behavior information, driving behavior information include bring to a halt, take a sudden turn,
Anxious acceleration, anxious deceleration are any one or more of, and the driving behavior information that processor monitors the first monitoring unit passes through logical
News unit transfers out, electric energy needed for Power Management Unit provides work for the first monitoring unit, processor, communication unit.
Driving behavior habit and the relevance that vehicle generates risk are larger, and driving behavior is accustomed to good people and generates risk
Probability is relatively small, by the acquisition to driving behavior information, realizes the objective quantification of premium calculation, premium can be improved
The accuracy and fairness of calculated result.
In the scheme advanced optimized, the above-mentioned monitoring terminal for monitoring driving behavior data further includes and processor
Second monitoring unit of connection, for monitoring start and stop state and the time of the engine for vehicle of insuring.
In the above-mentioned monitoring terminal for monitoring driving behavior data, vehicle of insuring is started by the first monitoring unit
The start and stop state of machine and time are monitored, it can realize the quantitative statistics of vehicle time used, press vehicle for premium
Time used, which calculate, provides technical support.
In the scheme advanced optimized, the above-mentioned monitoring terminal for monitoring driving behavior data further includes and processor
The third monitoring unit of connection, for acquiring the location information for vehicle of insuring.Vehicle, which sometimes exists, has been started up still reality
The case where not travelling, by the acquisition of vehicle position information, vehicle location changes the foundation calculated as premium, can make vehicle
The metering of time used is more accurate, further increases the reasonability of premium calculating.
In the scheme advanced optimized, the above-mentioned monitoring terminal for monitoring driving behavior data further includes and processor
4th monitoring unit of connection, for acquiring the situation of remote for vehicle of insuring, situation of remote includes battery voltage, coolant liquid temperature
Degree, engine speed are any one or more of.Vehicle condition embodies vehicle from the performance in different time, and the performance of vehicle is not
Together, the probability for generating risk is also different, by the acquisition of situation of remote, can further make vehicle risk metering more acurrate.
On the other hand, the utility model provides a kind of car insurance system, including any implementation of the utility model simultaneously
The monitoring terminal for being used to monitor driving behavior data that example or embodiment provide, further includes processing server, the processing clothes
Business device is connect with the monitoring terminal net network for monitoring driving behavior data, and the monitoring for monitoring driving behavior data is whole
The information monitored is sent to processing server by end, and processing server is according to described for monitoring the monitoring of driving behavior data
The information that terminal is sent calculates the premium amount of money.
Compared with prior art, the utility model is above-mentioned for monitoring the monitoring terminals of driving behavior data, by driving
The acquisition for sailing behavioural information provides the objective quantification means of premium calculating, improves the accuracy and public affairs of premium calculated result
Levelling.
Detailed description of the invention
It, below will be to use required in embodiment in order to illustrate more clearly of the technical solution of the utility model embodiment
Attached drawing be briefly described, it should be understood that the following drawings illustrates only some embodiments of the utility model, therefore should not be by
Regard the restriction to range as, for those of ordinary skill in the art, without creative efforts, may be used also
To obtain other relevant attached drawings according to these attached drawings.
Fig. 1 is the composition block diagram for the car insurance system that the utility model embodiment 1 provides.
Fig. 2 is the composition block diagram for the monitor terminal that the utility model embodiment 2 provides.
Fig. 3 is the composition block diagram for the monitor terminal that the utility model embodiment 3 provides.
Fig. 4 is the composition block diagram for the monitor terminal that the utility model embodiment 4 provides.
Fig. 5 is the composition block diagram for the car insurance system that the utility model embodiment 5 provides.
Specific embodiment
Below in conjunction with attached drawing in the utility model embodiment, the technical scheme in the embodiment of the utility model is carried out clear
Chu is fully described by, it is clear that the described embodiments are only a part of the embodiments of the utility model, rather than whole realities
Apply example.The component of the utility model embodiment being usually described and illustrated herein in the accompanying drawings can be come with a variety of different configurations
Arrangement and design.Therefore, the detailed description of the embodiments of the present invention provided in the accompanying drawings is not intended to limit below
The range of claimed invention, but it is merely representative of the selected embodiment of the utility model.Based on the utility model
Embodiment, those skilled in the art's every other embodiment obtained without making creative work, all
Belong to the range of the utility model protection.
Embodiment 1
Referring to Fig. 1, a kind of car insurance system is provided in the present embodiment, including for monitoring driving behavior data
Terminal, processing server are monitored, the monitoring terminal for monitoring driving behavior data is logical by communication network and processing server
Letter connection.
Monitoring terminal for monitoring driving behavior data includes the first monitoring unit, processor, communication unit and power supply
Administrative unit, the monitoring terminal for monitoring driving behavior data are realized and phase intercommunication between processing server by communication unit
Letter；Electric energy needed for Power Management Unit provides work for the monitoring terminal for monitoring driving behavior data, and carry out low function
Consumption management；First monitoring unit is for acquiring driving behavior information, the driving behavior that processor monitors the first monitoring unit
Information is transferred out by communication unit.Processing server can be Cloud Server, be also possible to hardware server.
Driving behavior information include but is not limited to bring to a halt, take a sudden turn, it is anxious accelerate, it is anxious slow down, therefore the first monitoring unit
Including throttle sensor, acceleration transducer and direction sensor, for detecting braking time, acceleration and direction, wheel
Direction.
Citing as an embodiment, for example, identical insurance coverage and identical protection amount are directed to, if driving row
It is level-one for information, then calculating the premium amount of money is X1, if driving behavior condition information is second level, calculating the premium amount of money is X2.
For current actual conditions, premium is usually prepayment, therefore, the driving behavior letter calculated for premium
Breath, i.e., when grading to driving behavior information using the driving behavior information arrived, can be preceding year arbitrarily certain primary drive
Behavioral data is sailed, the average value of the driving behavior data in preceding year certain time period is also possible to.
Driving behavior habit and the relevance that vehicle generates risk are larger, and driving behavior is accustomed to good people and generates risk
Probability is relatively small, by the acquisition to driving behavior information, provides the objective quantification means of premium calculating, improves premium meter
Calculate the accuracy and fairness of result.
Embodiment 2
Referring to Fig. 2, car insurance system provided in this embodiment, compared with Example 1, for monitoring driving behavior number
According to monitoring terminal further include the second monitoring unit, for monitoring start and stop state and the time of the engine for vehicle of insuring.
At this point, processing server then calculates premium according to the temporal information of timer record and driving behavior informix
The amount of money.
Citing as an embodiment, the second monitoring unit include crankshaft angle sensor and timer, crankshaft
The revolving speed of angular transducer is not zero, and shows that engine start, the revolving speed of crankshaft angle sensor are zero and show that engine stops
Only, timer then when engine start timing, stop this timing when to engine stop, timer starts timing
Temporal information when moment is engine start, timer stop timing at the time of as engine stop when time letter
Breath, the time span that timer is recorded is the working time length of this task of engine.According to different applications, it is used for
The monitoring terminal of monitoring driving behavior data can also be different to the data that processing server transmits, for example, driving for monitoring
Temporal information from engine start to processing server and/or engine when the monitoring terminal of behavioral data only can transmit are stopped
The working time length information of temporal information and/or engine this task when only, when can also be by engine start when
Between information, engine stop when temporal information, the working time length information one of the engine of timer record this task
It rises and sends processing server to.
According to the temporal information of the timer record participation premium amount of money, calculating can there are many embodiments, only as one kind
The citing of embodiment, temporal information when temporal information and engine stop when according to engine start calculate premium gold
Volume, such as in the case where driving behavior information is level-one, when temporal information and/or engine stop when engine start
Temporal information start at morning 0 at night 24 when between time interval in, then calculate the same day premium amount of money be X1 (X1 ≠
0) it, if temporal information when temporal information and engine stop when engine start is not in this time interval, counts
Calculating the same day premium amount of money is 0 (zero).
When vehicle is not used, vehicle does not generate risk actually, and vehicle only just generates risk, the present embodiment when in use
In scheme, by recording the working time of engine, the premium amount of money is calculated with the working time of engine, i.e., with vehicle reality
Premium is calculated using the time, so that the calculating of premium more rationalizes, hommization.In such cases, participate in what premium calculated
Driving behavior information can be the current driving behavior data of vehicle in actual use, for example, when premium daily calculates, it is used
Driving behavior information is then the same day collected driving behavior data, can be further improved the accurate of premium calculated result in this way
Property.
Embodiment 3
Referring to Fig. 3, car insurance system provided in this embodiment, compared with Example 2, for monitoring driving behavior number
According to monitoring terminal further include third monitoring unit, third monitoring unit is used to acquire the location information for vehicle of insuring, and collects
The location information of vehicle of insuring be transferred to processing server.As an implementation, third monitoring unit is global location
System GPS module.
At this point, processing server is then according to the position of driving behavior information, the temporal information of timer record and vehicle of insuring
Confidence breath COMPREHENSIVE CALCULATING goes out the premium amount of money.
Citing as an embodiment, for example, in the case where driving behavior information is level-one, if engine opens
Temporal information when temporal information and/or engine stop when dynamic at morning 0 at night 24 when between time interval in,
And the change in location for vehicle of insuring in a certain range (such as 1 kilometer), then calculating the same day premium amount of money is 0 (zero)；If engine
Temporal information when temporal information and/or engine stop when starting at morning 0 at night 24 when between time interval
Within, and the change in location for vehicle of insuring other than a certain range (such as 1 kilometer), then calculating the same day premium amount of money is X1.
Premium calculating is carried out in conjunction with the location information for vehicle of insuring, the premium amount of money can be made to be accurately calculated.For example,
Can eliminate only is starting engine and is actually not to use vehicle the case where cause error count to be taken, such as is only that starting is started
Machine is checked, or just starting engine but interim cancellation vehicle plan again.Risk would not be generated without vehicle, does not generate wind
Premium is not just collected in danger, and premium amount of money calculating is carried out by way of temporal information integrated location information, so that premium calculates more
Adduction reason, hommization and fairness.
Embodiment 4
Referring to Fig. 4, car insurance system provided in this embodiment, compared with Example 1, for monitoring driving behavior number
According to monitoring terminal further include the 4th monitoring unit, the 4th monitoring unit is used to acquire the situation of remote for vehicle of insuring, and collects
The situation of remote of vehicle of insuring be transferred to processing server.Situation of remote include but is not limited to battery voltage, coolant temperature,
Engine speed, therefore the 4th monitoring unit includes but is not limited to voltage sensor, temperature sensor, crankshaft angle sensor,
It is respectively used to monitoring battery voltage, coolant temperature, engine speed.
At this point, processing server then goes out the premium amount of money according to driving behavior information and situation of remote COMPREHENSIVE CALCULATING.As one
The citing of kind embodiment, for example, in the case that driving behavior information is level-one, if the situation of remote for vehicle of insuring is A grades,
Then calculating the premium amount of money is X11, if the situation of remote for vehicle of insuring is B grades, calculating the premium amount of money is X12.
The components aging of vehicle is more serious and/or quality of the component of vehicle itself is poorer, the risk that vehicle breaks down
It is bigger, therefore, by combining situation of remote to carry out premium calculating, the premium amount of money can be made to be accurately calculated, for not
Realize that fairness is charged as far as possible with vehicle.
Embodiment 5
Referring to Fig. 5, car insurance system provided in this embodiment further includes compared with Example 1 input unit, use
Insure the basic information of vehicle in input, the basic information include but is not limited to engine model, the brand for vehicle of insuring and
The use time of model, vehicle of insuring.At this point, processing server is then according to driving behavior information, the basic information for vehicle of insuring
COMPREHENSIVE CALCULATING goes out the premium amount of money.Input unit can be hard manual or touch screen.
Citing as an embodiment, for example, in the case where driving behavior is level-one, if according to vehicle of insuring
Basic information judgement vehicle of insuring belong to a grade vehicles, then calculating the same day premium amount of money is X1 ', if vehicle of insuring belongs to b grades of vehicles
, then calculating the same day premium amount of money is X1 ".
Grade classification is carried out according to the basic information for vehicle of insuring, the standard of current industry universal can be used, vehicle is certainly
The performance difference of body, the ability to ward off risks is just different, and comprehensive vehicle self performance calculates premium, so that premium calculating is more quasi-
Really, rationally.
It is easily understood that start and stop state and time, throwing of the processing server according to driving behavior information and engine
Protect any one of basic information of the location information of vehicle, the situation of remote for vehicle of insuring and vehicle of insuring or multinomial combination
When carrying out premium calculating, calculation formula (calculator) is pre-established, and is according to the information received when executing operation
Item selects corresponding calculation formula, carries out corresponding mathematical operation.What i.e. processing server executed is to transfer calculation formula
And corresponding mathematical operation is executed, it is not related to the improvement of software approach.
It is easily understood that the first monitoring unit, the second monitoring unit, third monitoring unit, the 4th monitoring unit, input
Unit can integrate in a terminal device in physical distribution, component or equipment can also be independent respectively, when each prison
When survey unit is independent component or equipment respectively, for monitoring the monitoring terminal of driving behavior data it can be appreciated that one
Monitoring system, including each monitoring unit and processor, communication unit, Power Management Unit.
Above description is only a specific implementation of the present invention, but the protection scope of the utility model is not limited to
In this, anyone skilled in the art within the technical scope disclosed by the utility model, can readily occur in variation
Or replacement, it should be covered within the scope of the utility model.
Claims (10)
1. a kind of for monitoring the monitoring terminal of driving behavior data, which is characterized in that including the first monitoring unit, processor,
Communication unit and Power Management Unit, for the first monitoring unit for acquiring driving behavior information, driving behavior information includes emergency brake
Vehicle, zig zag, anxious acceleration, anxious any one or more of, the driving behavior that processor monitors the first monitoring unit of slowing down
Information is transferred out by communication unit, and Power Management Unit provides work institute for the first monitoring unit, processor, communication unit
The electric energy needed.
2. according to claim 1 for monitoring the monitoring terminal of driving behavior data, which is characterized in that further include and locate
The second monitoring unit for managing device connection, for monitoring start and stop state and the time of the engine for vehicle of insuring.
3. according to claim 2 for monitoring the monitoring terminal of driving behavior data, which is characterized in that further include and locate
The third monitoring unit for managing device connection, for acquiring the location information for vehicle of insuring.
4. according to claim 1 for monitoring the monitoring terminal of driving behavior data, which is characterized in that further include and locate
The 4th monitoring unit of device connection is managed, for acquiring the situation of remote for vehicle of insuring, situation of remote includes battery voltage, coolant liquid
Temperature, engine speed are any one or more of.
5. according to any one of claims 1 to 4 for monitoring the monitoring terminal of driving behavior data, which is characterized in that also
Including input unit connected to the processor, for inputting the basic information for vehicle of insuring, the basic information includes engine
Model, the brand for vehicle of insuring and model, the use time for vehicle of insuring are any one or more of.
6. according to claim 5 for monitoring the monitoring terminal of driving behavior data, which is characterized in that the first monitoring is single
Member includes throttle sensor, acceleration transducer and direction sensor.
7. according to claim 2 for monitoring the monitoring terminal of driving behavior data, which is characterized in that the second monitoring is single
Member includes crankshaft angle sensor and timer.
8. according to claim 4 for monitoring the monitoring terminal of driving behavior data, which is characterized in that the 4th monitoring is single
Member includes voltage sensor, temperature sensor, crankshaft angle sensor.
9. according to claim 3 for monitoring the monitoring terminal of driving behavior data, which is characterized in that the first monitoring is single
Member, the second monitoring unit, third monitoring unit are integrated in a terminal device in physical distribution, or are independent set respectively
It is standby.
10. a kind of car insurance system, which is characterized in that any described for monitoring driving behavior including claim 1-9
The monitoring terminal of data, further includes processing server, the processing server and the prison for being used to monitor driving behavior data
Terminal network connection is surveyed, the information monitored is sent to processing server by the monitoring terminal for monitoring driving behavior data,
Processing server calculates the premium amount of money according to the information that the monitoring terminal for monitoring driving behavior data is sent.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201920127602.1U CN209312096U (en) | 2019-01-25 | 2019-01-25 | For monitoring the monitoring terminal and car insurance system of driving behavior data |
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|---|---|---|---|
| CN201920127602.1U CN209312096U (en) | 2019-01-25 | 2019-01-25 | For monitoring the monitoring terminal and car insurance system of driving behavior data |
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| CN209312096U true CN209312096U (en) | 2019-08-27 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| EE01 | Entry into force of recordation of patent licensing contract |
Assignee: Lin Huilun Assignor: CHENGDU ANTI PHOTOELECTRIC TECHNOLOGY Co.,Ltd. Contract record no.: X2020510000006 Denomination of utility model: And monitoring terminal and vehicle insurance system are used for monitoring driving behavior data Granted publication date: 20190827 License type: Exclusive License Record date: 20200415 |
|
| EE01 | Entry into force of recordation of patent licensing contract |