KR101497988B1 - Method for calculating vehicle safety driving index in safety driving index calculating system, method for calculating issurance of vehicle in safety driving index calculating system and safety driving index calculating system using the same - Google Patents

Abstract

The present invention is characterized by comprising: receiving speed information and acceleration information from a travel information collecting device; And unit acceleration with respect to the unit velocity is counted based on time using the velocity information and the acceleration information to display a unit velocity on the first axis and a unit acceleration on the second axis and a count per unit time is displayed in each cell A safe driving index calculation method using the safe driving index calculation system, and a safe driving index calculation system using the safe driving index calculation method.

Description

TECHNICAL FIELD [0001] The present invention relates to a safe driving index calculation system, a safe driving index calculation method, and a safety driving index calculation system using the safe driving index calculation system. FOR CALCULATING ISSURANCE OF VEHICLE IN SAFETY DRIVING INDEX CALCULATING SYSTEM AND SAFETY DRIVING INDEX CALCULATING SYSTEM USING THE SAME}

The safe driving index calculation system calculates a safe driving index by counting depreciation speed values at a unit speed and a unit speed of a vehicle accident probability of a running vehicle, The present invention relates to a method for estimating an auto insurance premium using a calculation system and a system for calculating a safe operation index using the system.

The driving speed of the vehicle is determined based on the driver's physical condition or psychological condition, human factors such as driving habits, the physical factors such as the type of the vehicle or the road, the state, traffic conditions such as traffic volume, And environmental factors such as environmental factors.

The change of the driving speed of the vehicle according to the interval (node or link) of the road which is changed by the various factors is important factor in the traffic safety and closely related to the traffic accident.

In Korea, Lee, Jeongho, et al. (2000) analyzed the change of free speed in the flat curve of the secondary part of the road, comparing the speed of the vehicle and the traffic accident data of the corresponding road section during the curved section, The results of this study are summarized as follows: (1) The relationship between the traffic accident occurrence and the speed change in the curved section was found to be high, We developed an accident rate forecasting model using the speed, and analyzed the traffic safety risk according to the speed change.

However, this method uses the deviation between the average speed of each section and the driving speed of each driver, and has a limitation that it does not reflect the driving characteristic according to the driver's time, that is, the instantaneous speed change rate with time.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a vehicle driving information collecting apparatus and a vehicle driving information collecting apparatus, And to provide a system for collecting, analyzing, and providing analyzed information related to this.

The present invention also provides a calculated driving safety index, thereby driving safe driving of the vehicle by inducing improvement of the driving characteristics of each driver based on the calculated driving safety index, and comparing the analyzed safe driving index with occupation, region, , Age, and roads to establish national traffic policies, establish new roads or plans for expansion, select speed limits for vehicles by road, determine traffic signal light cycle of roads, and calculate car insurance rates. And the like.

According to another aspect of the present invention, there is provided a method for calculating a safety operation index of a vehicle in a safe operation index calculation system, the method comprising: receiving speed information and acceleration information from a driving information collection device; And unit acceleration with respect to the unit velocity is counted based on time using the velocity information and the acceleration information to display a unit velocity on the first axis and a unit acceleration on the second axis and a count per unit time is displayed in each cell And generating driving information metrics information.

According to an aspect of the present invention, a method for calculating a safe driving index of a vehicle in the safe driving index calculation system includes: obtaining average speed information at the unit speed using the speed information; And calculating the safe driving index using the average speed information and the driving information matrix information.

According to an embodiment of the present invention, the step of calculating the safe driving index using the average speed information and the driving information matrix information may include calculating a safe driving index by using a speed deviation conceptual model for the cells of the driving information matrix, Generating an accident occurrence prediction frequency matrix; And calculating the safe driving index using the interval occurrence incidence frequency matrix.

According to an aspect of an embodiment of the present invention, the travel information collecting apparatus may be one of a vehicle diagnostic system, an electronic control system, a vehicle black box, and a digital running recorder.

According to an aspect of the present invention, a method for calculating a safe driving index of a vehicle in the safe driving index calculation system includes: receiving driver information and vehicle information from the driving information collection device; And correcting the safe driving index through the driver information and the vehicle information.

Another aspect of the present invention is a safe driving index calculation system comprising: a vehicle safe driving device for obtaining speed information and acceleration information of a vehicle; And unit acceleration of the unit speed is counted based on time using the speed information and the acceleration information transmitted from the vehicle safe driving device, so that the unit speed is displayed on the first axis and the unit acceleration is displayed on the second axis, The cell may include a safe driving index calculation server that generates driving information metrics information in which the number of counts per reference time is displayed.

According to another aspect of the present invention, the safe operation index calculation server obtains the average speed information at the unit speed using the speed information, and uses the average speed information and the driving information matrix information Safe driving index can be calculated.

According to another aspect of the present invention, the safety operation index calculation server generates an accident occurrence prediction frequency matrix for each cell using the velocity deviation conceptual model for the cells of the driving information matrix, The safe operation index can be calculated using the frequency matrix.

Here, the vehicle driving operation device may be one of a vehicle diagnostic system, an electronic control system, a vehicle black box, and a digital running recorder.

According to another aspect of the present invention, the safe driving index calculation server receives driver information and vehicle information from the driving information collection device, and corrects the safe driving index through the driver information and the vehicle information .

In another aspect of the present invention, there is provided a method of calculating an insurance premium using a safety operation index calculation system, comprising: obtaining vehicle information, metric information by obtaining vehicle information, driver information, speed information, and acceleration information from a plurality of vehicles; Obtaining a population safe driving index using the population driving information matrix information; Obtaining an individual safe driving index using the vehicle information and the driver information; And comparing the individual safe driving index with the population safe driving index to calculate an insurance premium for the individual vehicle.

According to another embodiment of the present invention, the step of comparing the individual safety operation index with the population safe operation index and calculating the insurance premium for the individual vehicle may include: normalizing the population safety operation index, , General group, and high-risk group; And determining whether the individual safety operation index belongs to the low-risk group, the general group, or the high-risk group, and calculating the insurance premium according to the identified group.

According to one embodiment of the present invention, after analyzing the driving characteristics of each driver, the safe driving index is calculated and provided, and driving driving performance of each driver is guided to improve safe driving of the vehicle. By comparing and analyzing indexes by occupation, region, type of car, gender, driving experience, age, road, time, etc., national transportation policy establishment or new construction or expansion plan of road is established, , Determination of the traffic signal light cycle of the road, calculation of the insurance rate of the car, and so on.

1 is a conceptual diagram of a safety operation index calculation system according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method of calculating a safe operation index of a vehicle and a method of calculating an insurance premium using a safe operation index calculation system in a safe operation index calculation system, which is an embodiment of the present invention.
3 is an example of driving information of a vehicle collected from a driving information collecting device of the vehicle.
FIG. 4 is a graph showing the relationship between the number of times of matching with each matrix cell of a matrix that can be generated as an acceleration / deceleration section divided into a speed section divided into a certain range and a certain range, FIG. 2 is a diagram showing an example of a traffic information matrix generated by calculation; FIG.
5 is an example of a travel information matrix for calculating an average travel speed by the number of times that the instantaneous travel speed collected from the travel information collection and supply device of the vehicle is matched to each matrix cell.
FIG. 6 is an example of calculating an average traveling speed per speed section in a calculated traveling road / time zone of a population; FIG.
FIG. 7 is an exemplary diagram for estimating the frequency of occurrence of an accident occurrence for each operating speed section using the velocity deviation concept model
FIG. 8 is an exemplary diagram illustrating the calculated safe driving index in three dimensions. FIG.
9 is an exemplary view of a normal distribution diagram of a safety operation index of a population;

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. The embodiments of the present invention can be modified in various forms, and the scope of the present invention should not be construed as being limited to the embodiments described below. The embodiments are provided to explain the present invention to a person having ordinary skill in the art to which the present invention belongs.

The safe driving index described in the present specification means an index calculated using continuous driving speed information continuously collected from the vehicle driving information collected from the vehicle equipped with the driving information collection and supply device of the vehicle for a predetermined time.

Hereinafter, a method of calculating a safe operation index of a vehicle and a method of calculating an insurance premium using a safe operation index calculation system in a safe operation index calculation system and a safe operation index calculation system, which are an embodiment of the present invention, will be described in detail with reference to the drawings.

1 is a conceptual diagram of a safety operation index calculation system according to an embodiment of the present invention. As shown in the figure, the safe operation index calculation system, which is an embodiment of the present invention, may include a travel information collecting apparatus 100, a safe operation index calculating server 200, and a premium calculating server 300.

The driving information collecting device has a function of transmitting driving information obtained through the vehicle's total control system and the like, driver information and vehicle information previously stored in the memory to an external server (safe driving index calculating server in the present invention) (OBD), a Conned Vehicle Black Box (CVB), a digital running recorder (DTG), and the like, for example, as an electronic control unit Digital Tachograph), and the like.

The safe operation index server counts the unit acceleration with respect to the unit speed on the basis of time using the speed information and the acceleration information among the travel information transmitted from the travel information collecting apparatus 100, Generating a driving information metrics information in which a unit acceleration is displayed on a second axis and counts per unit time are displayed in each cell, average speed information in the unit speed is obtained using the speed information, And calculates a safe driving index using the driving information matrix information. More specifically, in the safe operation index calculation server 200, the safe operation index calculation server 200 generates an accident occurrence prediction frequency matrix for each section using the velocity deviation concept model for the cell of the travel information matrix Calculates the safe driving index by using the interval incidence frequency matrix, receives driver information and vehicle information from the driving information collecting apparatus (100) as needed, and transmits the driver information and the vehicle information And functions to correct the safety operation index.

On the other hand, the insurance premium calculation server 300 calculates the insurance premium for the individual vehicle owner using the safe operation index and the vehicle owner information obtained from the safe operation index server.

A method of calculating a safe operation index of a vehicle and a method of calculating an insurance premium using the safe operation index calculation system in the system of calculating the total operation index having the above-described configuration will be described in more detail with reference to FIG.

FIG. 2 is a flowchart illustrating a method of calculating a safe operation index of a vehicle and a method of calculating an insurance premium using a safe operation index calculation system in a safe operation index calculation system, which is an embodiment of the present invention.

As shown in the figure, the driving information collecting apparatus 100 receives the speed information and the acceleration information. At this time, the vehicle information and the driver information may be stored in the driving information collecting apparatus 100 (S11). Then, the acquired speed information, acceleration information, vehicle information, and driver information are transmitted to the safe driving index calculation server 200 (S13). Then, the safe operation index calculation server 200 counts the unit acceleration with respect to the unit speed using the speed information and the acceleration information, counts the unit speed on the first axis, and the unit acceleration on the second axis And generates driving information metrics information in which the number of counts per standard time is displayed in each cell (S21). The safe operation index calculation server 200 obtains average speed information at the unit speed using the speed information, and calculates a safe driving index using the average speed information and the driving information matrix information (S23). At this time, the safe operation index is calculated by using the velocity deviation conceptual model for the cell of the travel information matrix to generate an accident occurrence prediction frequency matrix for each section, and calculating the safe operation index using the event occurrence frequency matrix . Meanwhile, the safe driving index calculation server 200 can correct the safe driving index using the received driver information and the vehicle information (S25). That is, the degree of the accident may vary depending on whether the vehicle is an SUV, a small car or a sports car, and the degree of injury at the time of an accident varies depending on whether the driver is a woman or a man or whether it is a child or an elderly person. Information can be used to weight safe driving indexes to calculate more accurate safe driving indices.

The safe driving index or the corrected safe driving index and the vehicle information and the driver information obtained from the driving information collecting apparatus 100 are transmitted to the insurance premium calculation server 300 at S27, Acquiring the vehicle information, the driver information, the speed information, and the acceleration information from the vehicle to obtain the population driving information matrix information, acquiring the population safe driving index using the population driving information matrix information, (S31). When the individual safety operation index is obtained by using the individual safety operation index, the premium is calculated for the individual vehicle by comparing the individual safety operation index with the population safe operation index (S31). At this time, the population safe operation index is normalized and classified into a low-risk group, a general group, and a high-risk group, and then it is checked whether the individual safety operation index belongs to the low-risk group, the general group, (See FIG. 9).

Hereinafter, a detailed calculation method of the safe driving index calculation method and the method of calculating the auto insurance premium using the safe driving index calculation system in the safe driving index calculation system will be described in more detail with reference to FIG. 3 to FIG.

3 is an example of driving information of the vehicle collected from the driving information collecting device. Referring to FIG. 3, the driving information of the vehicle obtained from the device collecting and providing the driving information of the vehicle varies. The driving information to be used as an example of the present invention includes an instantaneous traveling speed and position information , And time information.

The predetermined time described in the present invention may be a trip that turns on the vehicle by turning on the vehicle and then turns off the vehicle, may be a running time of the vehicle, and may be a week, month, , And the running time of each road section (link or node) during the running time of the vehicle. That is, the reference time for the comparative analysis of the running safety index calculated through the present invention is a certain time.

FIG. 4 is a view showing a state in which each instantaneous traveling speed continuously collected for a predetermined time from the driving information collecting apparatus 100 of the vehicle according to the traveling road, which is determined based on the position information, is divided into a speed range and a predetermined range FIG. 4 is an example of a driving information matrix generated by calculating the number of times matched with each matrix cell of a matrix that can be generated as an acceleration / deceleration section. The range of the classified acceleration / deceleration section / velocity section is an example, and the matrix can be generated by further subdividing and dividing the range. In addition, if the reference time becomes a very long time, and the number of times of display in the matrix cell becomes large, it can be converted into a percentage (%) or the like.

5 is an example of a matrix for estimating an average traveling speed by the number of times that the instantaneous traveling speed collected from the vehicle travel information collecting device is matched to each matrix cell. More specifically, the number of times that the driving information of the vehicle corresponds to the speed 60 to 80 (km / h) section and the acceleration / deceleration section (-0.2 to +0.2 (m / s ² ) , And it is a matrix which is calculated by calculating the traveling speed 72.337 km / h in which the instantaneous traveling speed corresponding to the number of times is averaged.

FIG. 6 is a graph showing an example of calculating an average traveling speed of each speed section in a calculated traveling road / time zone of a population statistically significant and a traveling road / time zone of a vehicle on which a traveling information providing apparatus for a vehicle is provided, to be.

FIG. 7 is an exemplary diagram for estimating a frequency of occurrence of an accident occurrence according to a travel speed section using a velocity deviation concept model. The velocity deviation concept model used in the embodiment of the present invention is a model in which the occurrence probability and degree of damage of the recurrence are proportional to the square of the average velocity change ratio before and after the accident, . In addition, the frequency of accident occurrence prediction can be estimated using various velocity deviation concept models.

Fig. 8 is an exemplary diagram illustrating the calculated running safety index in three dimensions. Referring to FIG. 8 in detail, it can be seen that the driver has a very rapid deceleration in a low speed section, and therefore, the probability of an accident in a low speed section is very high. If the results of the analysis are provided to the driver of the vehicle to induce improvement of the driving behavior, safe driving of the vehicle can be achieved.

Fig. 9 is an exemplary diagram of a normal distribution diagram of safe driving indices of the population. Fig. When the safety operation index is obtained from a plurality of vehicles (population) according to the above-described method, the insurance premium calculation server 300 obtains a normal distribution curve as shown in FIG. As shown, the vertical axis of the normal distribution represents the frequency, and the horizontal axis represents the safe driving index. At this time, the premium calculation server 300 can classify the premium distribution into the low-risk group, the general group, and the high-risk group according to the safety operation index in the normal distribution curve. The premium calculation server 300 calculates the insurance premiums for the owner of the vehicle having the individual safety operation index according to the classified group.

According to one embodiment of the present invention, after analyzing the driving characteristics of each driver, the safe driving index is calculated and provided, and driving driving performance of each driver is guided to improve safe driving of the vehicle. By comparing and analyzing indexes by occupation, region, type of car, gender, driving experience, age, road, time, etc., national transportation policy establishment or new construction or expansion plan of road is established, , Determination of the traffic signal light cycle of the road, calculation of the insurance rate of the car, and so on.

In the safety operation index calculation system described above, the method of calculating the safe operation index of the vehicle, the method of calculating the insurance premium using the safe operation index calculation system, and the safety operation index calculation system using the system, The above embodiments may be constructed by selectively combining all or some of the embodiments so that various modifications can be made.

100: Vehicle driving information collecting device
200: Safety driving index calculation server
300: Premium calculation server

Claims (12)

Receiving speed information and acceleration information from a vehicle travel information collecting device;
In order to analyze a change in acceleration per unit speed, a unit acceleration with respect to a unit velocity is counted based on time using the velocity information and the acceleration information, a unit velocity is displayed on a first axis, and a unit acceleration is displayed on a second axis, Generating driving information matrix information in each cell, the number of counts per reference time being displayed;
Obtaining average speed information at the unit speed using the speed information;
Estimating a safe driving index using the average speed information and the driving information matrix information;
Receiving driver information and vehicle information from the driving information collection device; And
And correcting the safety operating index through the driver information and the vehicle information.
delete The method according to claim 1,
Calculating the safe driving index using the average speed information and the driving information matrix information,
Generating an accident occurrence prediction frequency matrix for each of the cells of the travel information matrix by using a velocity deviation conceptual model; And
And estimating the safe operation index using the interval incidence frequency matrix. The method for calculating the safe operation index of a vehicle in a safe operation index calculation system.
The method according to claim 1,
Wherein the driving information collection device is one of a vehicle diagnosis system, an electronic control system, a vehicle black box, and a digital running recorder.
delete A driving information collecting device for acquiring speed information and acceleration information of the vehicle; And
In order to analyze a change in acceleration per unit speed, a unit acceleration with respect to a unit speed is counted based on time using the speed information and acceleration information transmitted from the travel information collecting device, Wherein the unit acceleration information is displayed on the axis, the driving information matrix information in which the number of counts per reference time is displayed in each cell, the average speed information in the unit speed is obtained using the speed information, A safe operation index calculation server for calculating a safe operation index using the information matrix information, receiving driver information and vehicle information from the operation information collection device, and correcting the safe operation index through the driver information and the vehicle information Safety operating index calculation system.
delete The method according to claim 6,
Wherein the safe operation index calculation server generates an accident occurrence prediction frequency matrix for each of the cells of the driving information matrix using a velocity deviation conceptual model and calculates the safe driving index using the interval occurrence occurrence frequency matrix Safety operating index calculation system.
The method according to claim 6,
Wherein the driving information collection device is one of a vehicle diagnosis system, an electronic control system, a vehicle black box, and a digital running recorder.
delete Receiving vehicle information, driver information, speed information, and acceleration information from a plurality of vehicle driving information collection devices;
The unit acceleration is counted on the basis of time by using the velocity information and the acceleration information obtained from the plurality of vehicles to analyze a change in acceleration per unit velocity, Generating population operating information matrix information in which the unit acceleration is displayed on the axis and the number of counts per reference time is displayed in each cell;
Obtaining a population safe driving index using the population driving information matrix information;
Obtaining an individual safe driving index using the vehicle information and the driver information;
Correcting the safe driving index through the vehicle information and the vehicle information; And
Comparing the individual safe driving index with the population safe driving index to calculate an insurance premium for the individual vehicle,
Comparing the individual safe driving index with the population safe driving index and calculating an insurance premium for the individual vehicle,
Classifying the population safety operation index into a low-risk group, a general group, and a high-risk group after normalizing the population safety operation index; And
Determining whether the individual safe operation index belongs to one of the low risk group, the general group, and the high risk group, and calculating the insurance premium according to the group to be verified. delete

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