KR20220086829A - Lease calculation platform system through linkage with insurance company in case of truck accident - Google Patents

Abstract

The present invention relates to a rental calculation platform system, and more specifically, by linking with an insurance company the rental of a freight vehicle, which was not possible under the Freight Car Transportation Business Act, a platform so that freight car rental can be organically performed to shippers and borrowers in the event of a freight car accident. It relates to a rental calculation platform system through linkage with insurance companies in case of a freight car accident that can solve the disadvantages of shippers and borrowers according to procurement.
In order to achieve the above object, the present invention, an insurance company server for collecting information on a freight car accident and generating an identification number based on the information; a rental management server for calculating a rental amount according to a repair period of a truck based on the information on the identification number generated by the insurance company server; and a shipper terminal for transmitting information on the accident of the truck to the insurance company server, checking the information on the truck according to the rental amount calculated by the rental management server, and receiving the truck.

Description

Lease calculation platform system through linkage with insurance companies in case of a freight car accident {LEASE CALCULATION PLATFORM SYSTEM THROUGH LINKAGE WITH INSURANCE COMPANY IN CASE OF TRUCK ACCIDENT}

The present invention relates to a rental calculation platform system, and more specifically, by linking the rental of a truck, which was impossible under the Freight Car Transportation Business Act, with an insurance company, it is a platform so that cargo rental can be organically made to shippers and borrowers in the event of a truck accident. It relates to a rental calculation platform system through linkage with insurance companies in case of a freight car accident that can solve the disadvantages of shippers and borrowers according to procurement.

Unlike general vehicles today, cargo truck transport is basically an industry practice in which cargo owners do not receive the cargo transportation allowance if they are unable to work, and even if there is an accident, the shipper and the borrower are completely accidental. Without taking into account the benefits, they are losing not only the allowance but also the penalty.

In addition, in accordance with the Freight Vehicle Transportation Business Act, it is practically difficult to rent a truck, so it is very difficult for shippers and borrowers to rent a replacement truck due to an accident. In violation of the Automobile Transportation Business Act, cargo transportation is being carried out.

In addition, in the case of carrying out transportation business in violation of the Freight Vehicle Transportation Business Act as described above, even if an accident occurs due to 100% negligence on the part of the other party, the insurance company only recognizes the minimum loss from business suspension and does not guarantee penalties and other repair costs. In reality, when shippers and borrowers have an accident, there is no solution to the above problems.

Accordingly, by linking with an insurance company, the rental of trucks, which was not possible under the Freight Car Transportation Business Act, was made into a platform so that cargo rentals could be organically made to shippers and borrowers in the event of a truck accident, thereby resolving the disadvantages of shippers and borrowers due to the procurement of specified goods. There is a need to develop a rental calculation platform through linkage with insurance companies in the event of a freight car accident to ensure convenience and damage prevention for the freight industry.

Republic of Korea Patent Publication No. 10-1982250 Republic of Korea Patent Publication No. 10-2020-0088182

The present invention has been devised to solve the problems of the prior art, and if the conventional freight owners fail to work, they do not receive a corresponding freight transportation allowance, and furthermore, if the transportation is not performed, the industry practice and general vehicle in which a penalty is imposed. A platform so that freight car rentals can be organically made to shippers and borrowers in the event of a freight car accident by linking with insurance companies to rent a freight car, which was not possible under the Freight Car Transportation Business Act The purpose is to provide a rental calculation platform system through linking with insurance companies in the event of a freight car accident that solves the disadvantages of shippers and borrowers according to the procurement of specified goods and secures guarantees for convenience and damage prevention for the cargo industry. .

In order to achieve the above object, the present invention, an insurance company server for collecting information on a freight car accident and generating an identification number based on the information; a rental management server for calculating a rental amount according to a repair period of a truck based on the information on the identification number generated by the insurance company server; and a shipper terminal for transmitting information on the accident of the truck to the insurance company server, checking the information on the truck according to the rental amount calculated by the rental management server, and receiving the truck.

Here, the rental management server is provided with a shipper information management module for receiving information about the shipper through the shipper's terminal to specify and manage the shipper, and the rental management server is provided when the shipper's terminal requests re-lease. A sub-lease relay module for relaying the re-lease of the freight car dispatched to the shipper's terminal to a plurality of shippers' terminals, wherein the re-lease relay module supports the settlement of the rental amount according to the re-lease of the relayed shipper's terminal, and the amount paid It is characterized in that the payment is distributed to the shipper terminal.

In addition, when the dispatched shipper terminal requests to stop the rental according to the calculated rental amount, the rental management server derives the remaining period according to the rental period, the current date and time, and determines the special price according to the remaining period and calculates the initial calculation. It is characterized in that it comprises a rental amount calculation module for calculating the remaining amount excluding the special price from the amount of money.

More specifically, the rental management server includes an accident management module for collecting an impact value when an impact is sensed while driving the dispatched truck, and the accident management module includes an accident image and a current truck based on the time at which the impact value is collected. The location information is collected, and the accident management module calculates the speed value of the truck just before the impact value is collected and the time it takes for the truck to stop after the impact.

In addition, the shipper terminal is a wearable type and includes an electrocardiogram (ECG) module including a biosignal electrode for collecting the shipper's bio data, and an interface module for electrically connecting to the electrocardiogram module, the interface module comprising: In the event of a truck accident, the shipper's bio data is sensed through the shipper's terminal, and the sensed shipper's bio data is transmitted to at least one server among an emergency medical control server, an insurance company server, a rental management server, a 119 emergency rescue request server, and a 112 report server. It is characterized in that it is transmitted to

As described above, in the case of a freight car accident according to the present invention, the rental calculation platform system through linkage with an insurance company does not receive a corresponding freight transportation allowance if the conventional freight owners do not work, and furthermore, if the freight is not transported, a penalty is imposed. In the event of a freight car accident, we provide a way to organically lease freight cars to shippers and borrowers in the event of a freight car accident through linking with insurance companies to lease freight cars that were not possible under the Freight Car Transportation Business Act. By making it a platform, it is possible to solve the disadvantages of shippers and borrowers according to the procurement of specified goods, and to ensure convenience and damage prevention for the cargo industry.

1 is a diagram schematically illustrating a rental calculation platform system through connection with an insurance company in case of a freight car accident according to the present invention;
2 is a view showing a rental management server in the rental calculation platform system through linkage with insurance companies in case of a freight car accident according to the present invention;
3 is a diagram schematically illustrating a method of calculating a lease through linkage with an insurance company in case of a freight car accident according to the present invention;

The terms or words used in the present specification and claims should not be construed as being limited to their ordinary or dictionary meanings, and the inventor may properly define the concept of the term in order to best describe his invention. Based on the principle that there is, it should be interpreted as meaning and concept consistent with the technical idea of the present invention.

Accordingly, the embodiments described in this specification and the configurations shown in the drawings are only the most preferred embodiment of the present invention, and do not represent all of the technical spirit of the present invention, so they can be substituted at the time of the present application It should be understood that various equivalents and modifications may exist.

Hereinafter, with reference to the drawings, a rental calculation platform system through linkage with an insurance company in case of a freight car accident according to the present invention will be described.

1 is a diagram schematically illustrating a rental calculation platform system through linkage with an insurance company in case of a freight car accident according to the present invention.

The rental calculation platform system through linkage with insurance companies in the event of a freight car accident according to the present invention is basically configured to include an insurance company server, a rental management server, and a shipper's terminal.

Referring to FIG. 1 , more specifically, the present invention collects information on a freight car accident (eg, freight car type, freight car owner, accident video, accident process, negligence data analyzed by an insurance company, etc.) and identifies it based on the information The insurance company server for generating a number (eg, accident receipt number, etc.) and information on the identification number generated by the insurance company server (eg, the type of truck for the accident according to the accident receipt number, the owner of the truck, the accident video, the accident The rental management server for calculating the rental amount according to the repair period of the truck based on the circumstances, negligence data analyzed by the insurance company, etc.) It is made including a shipper terminal for checking the freight vehicle information according to the vehicle and receiving the dispatched vehicle.

The shipper's terminal accesses the insurance company server and rental management server through the online network, and provides information about the freight car accident (eg, freight car type, freight car owner, accident video, accident details, negligence data analyzed by the insurance company, etc.) and the information. Information on the identification number generated based on the identification number (eg, accident receipt number, etc.), information on identification number generated by the insurance company server (eg, the type of vehicle for the accident according to the accident reception number, the vehicle owner, the accident video, the accident process, negligence data analyzed by insurance companies), the rental amount calculated according to the repair period of the truck, and truck information corresponding to the amount. Tablet, netbook, PDA (personal digital assistant), PMP (portable multimedia player) It should be interpreted as including various communication means such as , smart phone, wearable smart device, point of sales (POS), etc., and may include software and applications for executing various functions provided by the manufacturer server and cloud server. .

The insurance company server and rental management server may be constructed to serve as a kind of web server, database server, and mobile server. may be transmitted, where the webpage should be interpreted as including software for performing a specific task, such as, and may also be built to provide an interface with applications installed on a desktop, laptop, smartphone, tablet PC, POS, etc. .

In addition, the online network referred to in the present invention may be a core network integrated with a wired public network, a wireless mobile communication network, or the mobile Internet, and various services existing in the TCP/IP protocol and its upper layers, that is, Hyper Text Transfer (HTTP) Protocol), HTTPS (Hyper Text Transfer Protocol Secure), Telnet, FTP (File Transfer Protocol), DNS (Domain Name System), SMTP (Simple Mail Transfer Protocol), etc. , which is not limited to these examples and refers to a data communication network capable of transmitting and receiving data in various forms comprehensively.

In addition, the shipper terminal is a wearable type, and includes an electrocardiogram (ECG) module including a biosignal electrode for collecting bio data of the shipper and an interface module for electrically connecting to the electrocardiogram module, the interface module In the event of a freight car accident, the shipper's bio data is sensed through the shipper's terminal, and the sensed shipper's bio data is used in at least one of an emergency medical control server, an insurance company server, a rental management server, a 119 emergency rescue request server, and a 112 report server. send to the server

Specifically, the shipper's terminal checks the shipper's electrocardiogram in real time during the freight truck transport task, and in the event of a fire due to an accident, the bio data based on the active current curve according to the contraction of the shipper's heart appearing on the shipper's electrocardiogram shows the normal human activity. When measured as bio data representing an active current curve that deviates from the current curve, the interface module senses the shipper's bio data, and uses the sensed shipper's bio data to the emergency medical control server, insurance company server, rental management server, 119 emergency rescue It is transmitted to the request server and the 112 report server.

In addition, the shipper's bio data shows that the shipper's health status is acute due to smoke, carbon dioxide concentration, and oxygen concentration even if there is no fire in the event of an accident, as an example, in addition to the occurrence of a fire due to an accident. When measured by the bio data in an irregular state, the interface module senses the shipper's bio data, and uses the sensed shipper's bio data to the emergency medical control server, insurance company server, rental management server, 119 emergency rescue request server and 112 sent to the reporting server.

Hereinafter, specific details related to the shipper's terminal will be described.

<Main components, functions and effects of the shipper's terminal>

* Input module

- The shipper's terminal may input contents corresponding to the information transmitted and received with the insurance company server and the rental management server through at least one input method among a text input method, a touch input method, and a voice input method.

- The input module may include a plurality of input keys and function keys for receiving numeric or character information and setting various functions, and the function keys include direction keys, side keys and shortcut keys set to perform a specific function, , the input module may generate a key signal related to the function control of the shipper's terminal and transmit it to the shipper's terminal

- QWERTY keypad, 3*4 keypad, 4*3 keypad, Ball Joystick, Optical Joystick, Wheel Key, Touch key, Touch Pad and Touch It may be formed by any one or a combination of input means such as a screen (Touch-screen)

- For example, if the shipper's terminal supports a full touch screen, it may include only a volume key for volume control, a screen on/off, and a power key for on/off of the portable terminal, which are formed on the side of the case of the terminal, In particular, various input signals such as an input signal instructing access to the insurance company server and rental management server, an input signal corresponding to authentication information input, an input signal instructing to select a specific sandbox, an input signal instructing a change in color and transparency of content, etc. It is also possible to create, etc., and deliver it to the insurance company server and rental management server.

* Terminal control module

- It is also possible to perform a data processing function to control the overall operation of the freight car accident-based rental platform to be transmitted from the shipper's terminal and the signal flow between the internal blocks of the shipper's terminal, and to process data.

- For example, the terminal control module is equipped with a central processing unit (CPU), an application processor, etc., and a GPS (Global Positioning System)-based measurement sensor for generating real-time location information of the shipper's terminal may be

2 is a view showing a rental management server in the rental calculation platform system through linkage with insurance companies in case of a freight car accident according to the present invention.

Hereinafter, we will look at specific details related to the rental management server.

<Main components, functions and effects of rental management server>

* Shipper information management module

- By receiving information about the shipper through the shipper's terminal and managing the specific shipper, the management of each shipper can be made intuitive.

- For example, when information for specifying a shipper is input from the shipper's terminal, a specified shipper account is created, and based on the specified shipper account, among vehicle dispatch information, accident history information, rental reviews, freight car star rating, and freight car use evaluation score information Storing at least one or more information and managing it as data

- Points may be accumulated in the shipper's account by receiving the rental request history through the specified shipper's account

- The accumulated points can be used in various ways by allowing the points of the account to be converted into at least one of cash and mobile coupons at the request of the shipper's terminal based on the accumulated account point information.

- For example, when a shipper's terminal requests to convert accumulated points into cash, it receives a bank account from the shipper's terminal, goes through the account authentication process, and transfers the cash to the bank account registered by the account, and accumulates against cash conversion Account points may be deducted

- The shipper's terminal may support converting only some of the accumulated points into cash.

- If an account specified as a third person other than the specified account is created as a request account, receive the other person's account points as a gift and request to convert the accumulated points into mobile coupons or cash through the other person's shipper's terminal to receive the specified account. may apply

* Sub-lease relay module

- When a shipper's terminal requests re-lease, by relaying the re-lease of the truck dispatched to the respective shipper's terminal to multiple shipper terminals, the first dispatched shipper's personal circumstances so that the dispatched truck transportation business can be continued without interruption or for health reasons.

- The relayed shipper terminal supports the payment of the rental amount according to the re-lease, and distributes and pays the settled amount to the shipper terminal, thereby reducing the burden on the shipper terminal due to the re-lease

- For example, further comprising a transport provider registration terminal for registering a third party engaged in the cargo transport business as a transport provider, wherein the shipper terminal corresponding to the freight transport possible condition set in advance by the transport provider registration terminal is connected to the transport provider registration terminal can be relayed

- For example, the relayed transport provider registration terminal is for those who do not have a history of erroneous transport (eg, omission, damage, etc.) and multiple delayed deliveries.

- Whether or not it is possible to register as a transportation supplier will be determined based on the transportation requirements for the third party (eg, whether there is a past theft, whether there is a wrong transportation history, whether there is a delayed transportation history, whether a traffic accident is due to the person's negligence, etc.) may

- The transportable conditions set in advance by the transport provider registration terminal are the transportable distance between the sender and the destination, the available time for transporting business, and the weight and size or nature of transportable goods (eg, solid, liquid, powder, etc.) It can also be aimed at

* Rental amount calculation module

- When the dispatched shipper terminal requests to stop the rental according to the calculated rental amount, the remaining period is derived by the rental period, the current date and time, and the special price is determined according to the remaining period, and the special price is calculated from the initial amount. By calculating the remaining amount after excluding

- For example, as for the special price and general rental amount according to the remaining period, the daily rental amount is 200,000 won for 1 ton of freight car, 400,000 won per day for 2.5 tons of freight car, and the daily rental amount is for 3.5 tons of freight car. 400,000 won, in the case of a 4.5-ton truck, the daily rental price is 630,000 won, in the case of a 5-ton truck, the daily rental price is 630,000 won, in the case of a 5.5-ton truck, the daily rental price is 680,000 won, and in the case of an 8-ton truck, the daily rental amount is The price is 680,000 won, and in the case of 8.5 tons of trucks, the daily rental amount is 680,000 won, and the hourly rental amount may be derived for the daily rental according to the tonnage of each truck.

- Also, as an example, if the shipper's terminal requests to stop the lease earlier than the lease contract period, specify the requested date and time, and special price or general lease for the remaining period except for the specified time according to the contracted lease period. Based on the amount, it is possible to calculate the amount of compensation for the final interruption and pay the amount to the shipper's terminal

* Incident management module

- When an impact is detected while the dispatched truck is driving, the impact value is collected

- Based on the time at which the shock value was collected, the accident image and current location information of the truck are collected.

- Calculates the speed value of the truck just before the impact value is collected and the time it takes the truck to stop after the impact

- For example, the collected values and information are collected in the accident management module through various sensors, black boxes and communication devices installed in the truck, and the accident image is -10 seconds based on the time when the impact on the truck is sensed. It can also be regarded as a recorded video corresponding to to +20 seconds.

- In addition, based on the previously stored failure diagnosis items based on the collected values and information, it may be supported to inspect the failure of the freight car, and the inspected data may be checked with the rental management server and the shipper's terminal.

- In addition, it may be possible to additionally collect the driving information of the freight car through various sensors, black boxes and communication devices installed in the freight car, and it may be supported so that the collected information can be checked according to the cycle set by the shipper's terminal.

- In addition, the impact value and speed value are recorded in physical units for the measured shock/speed, and may be set in advance in the accident management module to derive values corresponding to the physical units

- For example, the value corresponding to the physical unit is when the unit of velocity is km/s and the unit of impulse is N/s, and corresponding to each physical unit value, separately -1/0/+2/ It is also possible to intuitively grasp the speed value and the shock value, such as +3.

- Also, as an example, the value corresponding to the physical unit is set in the accident management module in advance, and the corresponding value may be based on a dissertation on a freight car accident

Additionally, looking at the rental management server in the present invention in more detail, the mining analysis performed by the rental management server is analyzed from a short-term perspective in time series, that is, real-time data analysis concept as well as each managed quarantine data. It may include data analysis from a microscopic point of view.

Here, the data pre-processing performed by the mining analysis module as a preliminary stage of the mining analysis is data managed by the rental management server (eg, shock value information collected by the accident management module, collected based on the time at which the shock value was collected) information on the accident video, information on the location of the truck based on the time at which the impact value was collected, information on the speed value of the truck just before the impact value was collected, information on the time it took for the truck to stop after the impact, information on the truck accident (e.g., the type of truck) , truck owner, accident video, accident details, negligence data analyzed by the insurance company, etc.), identification number information generated based on the information (eg accident receipt number, etc.) : Car type for the accident according to the accident registration number, truck owner, accident video, accident details, negligence data analyzed by the insurance company, etc.) process to derive more useful information for analysis, and more specifically, reflect trends and changes based on processed data, analyze patterns of continuous data through combined transformation of periodic functions, and convert time series data into string form It may include the process of analyzing the pattern by converting it to , and analyzing the pattern by converting the time series data into a string form.

Additionally, data pre-processing performed by the data pre-processing module includes data managed by the rental management server (eg, shock value information collected by the accident management module, accident image information collected based on the time at which the shock value was collected, shock Truck location information based on the time at which the value was collected, truck speed information just before the impact value was collected, information about the time it took for the truck to stop after the impact, and information on the truck accident (e.g., truck type, truck owner, accident video) , accident details, negligence data analyzed by the insurance company, etc.), identification number information generated based on the information (eg accident receipt number, etc.), information on identification number generated by the insurance company server (eg, according to the accident reception number) At least one data of the type of truck for the accident, the owner of the truck, accident video, accident details, negligence data analyzed by the insurance company, etc.) processing and converting the processed data into a form that can be used in algorithms, more specifically, smoothing to remove noise from the data, and normalization to refine the data to fit into a smaller range , may include discretization of replacing the corresponding data value with another range or higher-level concept.

Looking at the mining analysis performed in the mining analysis module in detail, based on the pre-processed data, freight car accident statistical data classified into environmental factors such as region, temperature, humidity, time, etc. is obtained, and the pre-processed data and Based on a decision tree, which is a single analysis algorithm, based on a decision tree, which is a single analysis algorithm, through at least one or more of the acquired statistical data, factors such as evaluation or emotion are analyzed in the model and data for analyzing the model and data related to the subject. After constructing a model to provide statistical information by clustering the distribution of opinions or quantifying evaluation, etc., different single analysis algorithms are placed in parallel to utilize the boosting technique, which is a combination/combination of multiple single analysis algorithms. Thus, the analysis model may be updated in the form of a boosted tree. Furthermore, the single defective analysis algorithm may be excluded from updating the analysis model in the form of a plurality of single analysis algorithms by analyzing a pattern generated by repeated failure of the single analysis algorithm among single analysis algorithms.

Also, looking at the mining performed in the mining analysis module, information on truck accidents among the data managed by the rental management server (eg, truck type, truck owner, accident video, accident details, negligence data analyzed by insurance companies, etc.) And information on the identification number generated by the insurance company server (eg, the type of truck for the accident according to the accident receipt number, the owner of the truck, accident video, accident history, negligence data analyzed by the insurance company, etc.) ) data, and since simple text data is unstructured data, automated analysis by itself is difficult. Therefore, in order to analyze text data, it undergoes a process of standardization (pre-processing) to enable automated analysis.

Also, based on text mining, there is an opinion mining process that finds out not only meaning from text but also emotional information about recorded text. It is also possible to cluster the distribution of opinions on related topics by analyzing factors such as, or to provide statistical information by quantifying evaluations, etc.

More specifically, when opinion mining is introduced into the mining analysis module, information on truck accident statistical data classified by environmental factors such as region, temperature, humidity, time, etc., information data transmitted from the shipper’s terminal, and overall rental management server You can easily check what kind of evaluation or emotion you have about the data managed in It can be checked whether or not it is related to an accident, etc.), so it can be helped to make a decision through a related algorithm.

Based on the preprocessed data, any evaluation of the obtained truck accident statistical data classified into environmental factors such as region, temperature, humidity, time, etc. It is easy to check whether there is a relationship with a truck accident according to humidity, a relationship with a truck accident over time, etc.) It is possible to check whether it is related to a truck accident according to the location/temperature/humidity/time, etc.), so it can be helpful in analyzing the classified and statistical data.

In addition, the rental management server may be provided with an accident pattern analysis module for deriving an accident pattern according to the truck by using a machine learning method based on the data analyzed by mining, and analyzing the pattern.

In addition, the accident pattern analysis module includes the correlation of truck accidents according to region/temperature, correlation of truck accidents according to humidity/temperature, correlation of truck accidents according to region/temperature/humidity/time, correlation of truck accidents by region, and cargo accident according to temperature. From the data derived from mining analysis such as correlation, correlation of truck accident according to humidity, correlation of truck accident according to time, etc., furthermore, the impact value information collected by the accident management module By adding information such as accident image information collected as a standard, truck location information based on the time at which the impact value was collected, information on the speed value of the truck just before the impact value was collected, and information on the time it took for the truck to stop after the impact, Accident patterns may be derived according to the type and situation/environment in which accidents occur.

More specifically, the thought pattern analysis module uses gradient descent, which is one of the machine learning methods, based on at least one of the data analyzed by the mining analysis module and the preprocessed data. Accident patterns according to trucks are derived and the patterns are analyzed. Machine learning basically learns a given environment through trial and error obtained by selecting an action by an agent, and takes action according to a set policy. It is a kind of machine learning that learns while modifying behavioral policies based on the rewards obtained according to the actions by determining and executing them.

Specifically, if we look at gradient descent, gradient descent is preferentially used in machine learning regression analysis to infer a 'function relationship' to find out what function the given data is generated from, that is, from the data set (x, y). It can be said that it is a process of generating a hypothesis using a learning algorithm, inputting data into the generated hypothesis to obtain predicted value data, and finding out what kind of equation and coefficients correspond to these hypotheses.

In addition, in machine learning regression analysis, when the coefficients of the equation are linear, it is called linear regression analysis, and when there are several coefficients of the equation, it is called multiple linear regression analysis, and the test data is y= It is data created by mixing a small error in the x graph, and it shows the result of finding the weight value (w) and bias value (b) that fit the data through training, and the error with the result value according to the definition such as y = wx + b A suitable function can be found through gradient descent.

In addition, when learning a hypothesis about data, the difference between the drawn line and the distribution of each data is calculated, and it can be seen that the line with the smallest difference is the line suitable for this model. This is called a cost function, and the cost function is It can be used to infer how different the values indicated are from the hypotheses actually established.

Specifically, since the cost function (error function) consists of two parameters (w, b), it can be expressed in a two-dimensional space, so the height of the error function at each point is the error with respect to a straight line, and some straight lines are It has a smaller error than other straight lines. For example, when performing gradient descent algorithm in Tensor Flow, it starts at a point on this plane and moves to find a straight line with a smaller error.

In addition, in order to calculate the slope of the error function, a process of differentiating the error function is performed, and it is necessary to calculate the partial differential equations for w and b in order to know the direction of movement whenever the process of finding a straight line is repeated.

Multiple regression analysis is defined as y = w1*x1 + x2*x2 + b in case of multiple regression analysis with two or more input data x used in single regression analysis, for example, two variables (x1, x2) And through learning, it is possible to find a plane that fits the data.

Through single and multiple linear regression analysis as above, it can be seen that if there is any data, a function representing the data can be learned.

In addition, gradient descent is an optimization algorithm to minimize cost. Optimization is to select the one that best satisfies a given criterion from among various allowable values. It can be said to be the process of finding the optimal parameter by moving little by little with the step size defined as

In addition, the rental management server uses a deep learning method based on at least any one of data analyzed by the accident pattern analysis module, mining analysis data, and preprocessed data to provide the rental management server to the corresponding truck. An accident prediction module is provided for predicting an accident for a vehicle and calculating a future rental amount for a freight car reflecting the prediction of the accident. neural network) algorithm, and the convolutional neural network algorithm may include one or more convolutional layers, one or more activation functions, and one or more pooling layers, wherein each convolutional layer consists of one or more convolutional filters. it might be The structure of such a convolutional neural network may vary according to a specific embodiment of the present invention.

3 is a diagram schematically illustrating a method of calculating a lease through connection with an insurance company in case of a freight car accident according to the present invention.

On the other hand, the freight car accident-based rental method through linkage with an insurance company according to the present invention is basically an accident receipt number registration step, accident information and receipt number submission step, rental amount calculation step, electronic contract creation step, electronic contract signing step, and truck dispatch It consists of steps.

More specifically, the present invention provides an accident receipt number registration step in which an insurance company server collects information on a truck accident and generates and registers an accident receipt number that is an identification number based on the information; When the accident information and receipt number submission step of sending a message and submitting the accident receipt number for the accident, and the accident receipt number registered by the insurance company server and the receipt number submitted by the shipper’s terminal are the same, the vehicle repair period for renting a freight car A rental amount calculation step of calculating the rental amount according to A signing step and a truck dispatch step of distributing a truck according to the signed contract are included.

In the above description of the present invention with reference to the accompanying drawings, a specific shape and direction have been mainly described, but the present invention is capable of various modifications and changes by those of ordinary skill in the art to which the invention pertains. Modifications and variations should be construed as being included in the scope of the present invention.

Claims (10)

an insurance company server for collecting information on truck accidents and generating an identification number based on the information;
a rental management server for calculating a rental amount according to a repair period of a truck based on the information on the identification number generated by the insurance company server;
A shipper terminal for transmitting information on the accident of the truck to the insurance company server, checking the information on the truck according to the rental amount calculated by the rental management server, and receiving the cargo vehicle; rental calculation platform system.
The method according to claim 1,
The rental management server receives information on the shipper through the shipper terminal, and includes a shipper information management module for specifying and managing the shipper.
The method according to claim 1,
The rental management server includes a re-lease relay module for relaying the re-lease of the truck dispatched to the shipper terminal to a plurality of shipper terminals when the shipper's terminal requests re-lease. rental calculation platform system.
4. The method according to claim 3,
The sub-lease relay module supports the payment of the rental amount according to the re-lease by the relayed shipper terminal, and distributes and pays the settled amount to the shipper's terminal.
The method according to claim 1,
The rental management server derives the remaining period according to the rental period, the current date and time, and determines the special price according to the remaining period when the dispatched shipper terminal requests to stop the rental according to the calculated rental amount. A rental calculation platform system through linkage with an insurance company in the event of a freight car accident, characterized in that it includes a rental amount calculation module for calculating the remaining amount excluding the special price.
The method according to claim 1,
The rental management server is a rental calculation platform system through linkage with an insurance company in the event of a freight car accident, characterized in that it includes an accident management module for collecting the shock value when an impact is detected while driving the dispatched freight car.
7. The method of claim 6,
The accident management module is a rental calculation platform system through linkage with insurance companies in case of a freight car accident, characterized in that it collects the accident image and current freight car location information based on the time at which the shock value is collected.
7. The method of claim 6,
The accident management module is a rental calculation platform system in connection with an insurance company in case of a freight car accident, characterized in that it calculates the freight car speed value just before the shock value is collected and the time it takes the freight car to stop after the impact.
The method according to claim 1,
The shipper's terminal is a wearable type and includes an electrocardiogram (ECG) module including a biosignal electrode for collecting the shipper's bio data;
A rental calculation platform system through linkage with an insurance company in case of a freight car accident, characterized in that it includes an interface module for being electrically connected to the electrocardiogram module.
10. The method of claim 9,
The interface module senses the shipper's bio data through the shipper's terminal when a truck accident occurs,
Lease calculation through linkage with insurance companies in case of a freight car accident, characterized in that the sensed shipper's bio-data is transmitted to at least one of an emergency medical control server, insurance company server, rental management server, 119 emergency rescue request server, and 112 report server platform system.

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