TWI684948B - Decentralized vehicle risk assessment system and method thereof - Google Patents

Abstract

The present invention provides a decentralized vehicle risk assessment system applying a blockchain network includes a license plate recognition device, a data collection device, and a risk assessment device. The license plate recognition device is disposed at a first place for identifying a license plate of an insured’s vehicle and generating an identification result. The data collection device is constructed in the first place and generates a first car information according to a behavior of the insured in the first place. The risk assessment device is connected to the license plate recognition device and the data collection device for receiving and generating a risk assessment data based on the identification result and the first car information. The identification results, the first car information, and the risk assessment data are stored in the blockchain network and written to a block by nodes. The invention also discloses a method of implementing thereof.

Description

Decentralized vehicle insurance evaluation system and method

The invention relates to a decentralized vehicle insurance evaluation system, in particular to a decentralized vehicle insurance evaluation system that can perform risk identification according to the actual vehicle use status of the vehicle user and use the blockchain to decentralize management of vehicle insurance data.

With continuous innovation and development of technology, the insurance industry has introduced insurance-based driving insurance (Usage-Based Insurance, UBI) using insurance technology. UBI Auto Insurance has changed the calculation model of auto insurance premium rates. In the past, in addition to the factors such as vehicle brand and age, the traditional car body insurance billing factor also needs to consider the "driver" risk. The driver risk is evaluated by the driver's age, gender, and accident record.

In the past, car insurance used the calculation method of the driver’s risk, and did not take into account the differences in driving habits of each driver, resulting in drivers with good traffic safety concepts and low vehicle frequency. Although the probability of accidents is low, it is due to gender. Or age factors increase the fee.

UBI car insurance is to collect the parameters of the driver's actual driving trips, such as rapid acceleration, rapid deceleration, sharp turns, mileage or driving time, and the results are included in the calculation of the premium rate. This method is similar to the concept of customization, and each driver can calculate the premium according to his driving habits, so that the premium is more fair and reasonable.

However, the current collection of UBI car insurance users’ car information is through the installation of additional Hardware devices, such as on-board diagnostics (On-Board Diagnostics, OBD) or mobile phone applications to record. All of these may cause the user's installation burden or cause trouble to car owners who are not good at using electronic products. Therefore, it must be improved.

In view of this, one category of the present invention is to provide a decentralized vehicle insurance evaluation system to solve the problems of the prior art. This decentralized car insurance evaluation system is applied to the blockchain network to provide policyholders' car insurance evaluation information. According to a specific embodiment of the present invention, the decentralized vehicle insurance evaluation system includes a license plate recognition device, a data collection device, and a risk evaluation device. The license plate recognition device is installed in the first place, and can be used to recognize the license plate of the insured's vehicle and generate a recognition result. The data collection device is built in the first place, and can be used to generate the first car information according to the insured's car behavior in the first place. The risk assessment device can be connected to the license plate recognition device and the data collection device, and can be used to receive the recognition result and the first vehicle information from the license plate recognition device and the data collection device, and generate risk assessment data according to the recognition result and the first vehicle information. Among them, the above identification results, first vehicle information and risk assessment data are stored in the blockchain network and transmitted therein, and are written into the block by the nodes in the blockchain network.

One category of the present invention is to provide a decentralized vehicle insurance evaluation method to solve the problems of the prior art. According to another specific embodiment of the present invention, the decentralized vehicle insurance evaluation method includes the following steps: recognizing the license plate of the insured's vehicle in the first place, and storing the recognition result generated after recognition in the blockchain network and in Transfer among them; generate the first car information according to the insured's car behavior in the first place, and store the first car information on the blockchain network and transmit it; based on the recognition result and the first car information Generate risk assessment data, and store the risk assessment data on the blockchain network and transmit it; the identification results, first vehicle information and wind Risk assessment data is written into the block.

Compared with the conventional technology, the decentralized vehicle insurance evaluation system and method of the present invention have the following advantages: 1. The present invention utilizes a device installed in a place where vehicle behavior is performed, allowing the system to actively collect vehicle information of the insured , Without the need for the insured to install an in-vehicle auto-diagnosis system or mobile phone application to record vehicle information. This kind of active collection means that the collected vehicle information will not be collected accurately due to improper use of the insured, nor will it increase the installation burden and cost of the insured; 2. The first collected by the system of the present invention The vehicle information includes at least one of refueling time, refueling location, refueling quantity, parking time, parking lot location, payment method, and vehicle maintenance records, which includes more rapid acceleration, deceleration, and sharp turns between driving trips than current technology collected. The driving behavior of at least one of the mileage is closer to the actual car use behavior of the insured. In this way, the car habit of the insured person outlined by the first car information can provide customized car insurance assessment; 3. All information and data collected and generated by this system are stored and stored through blockchain technology. Extraction to ensure that these materials can not be tampered with, thereby improving the credibility of the auto insurance assessment.

1‧‧‧Decentralized car insurance evaluation system

11‧‧‧ License plate recognition device

12‧‧‧Data collection device

13‧‧‧Risk assessment device

131‧‧‧ Database

14‧‧‧Payment device

141‧‧‧Mobile communication device

15‧‧‧Vehicle automatic diagnosis device

2‧‧‧Blockchain network

21‧‧‧ block

S11-S43‧‧‧Step

FIG. 1 is a functional block diagram of a specific embodiment of a decentralized vehicle insurance evaluation system of the present invention.

2 is a flowchart of a specific embodiment of a decentralized vehicle insurance evaluation method of the present invention.

3 is a flowchart of another specific embodiment of the decentralized vehicle insurance evaluation method of the present invention.

In order to make the advantages, spirit and features of the present invention easier and clearer to understand, detailed description and discussion will follow with embodiments and reference to the accompanying drawings. It is worth noting that this These embodiments are only representative embodiments of the present invention. However, it can be implemented in many different forms and is not limited to the embodiments described in this specification. On the contrary, the purpose of providing these embodiments is to make the disclosure of the present invention more thorough and comprehensive.

Please refer to FIG. 1, which is a functional block diagram of a specific embodiment of a decentralized vehicle insurance evaluation system of the present invention. In a specific embodiment, the decentralized car insurance evaluation system 1 can be connected to and applied with a blockchain network 2 to provide policyholders' car insurance evaluation information. This system includes a license plate recognition device 11, a data collection device 12, and a risk assessment device 13. The license plate recognition device 11 is installed in the first place. The license plate recognition device 11 is used to recognize the license plate of the insured's vehicle and generate a recognition result. The data collecting device 12 is constructed in the first place, and the data collecting device 12 is used to generate the first car information according to the insured's car behavior in the first place. The risk assessment device 13 is connected to the license plate recognition device 11 and the data collection device 12. The risk assessment device 13 is used to receive the recognition result and the first vehicle information from the license plate recognition device 11 and the data collection device 12, and generate risk assessment data according to the recognition result and the first vehicle information. In other words, the license plate recognition device 11 recognizes that the insured’s vehicle entered the first location, and the data collection device 12 collects the behavior of the vehicle in the first location, and the risk assessment device 13 obtains the license plate recognition device 11 and the data collection device 12 The combination of information and evaluation to generate risk assessment data. Among them, the identification result, the first vehicle information and the risk assessment data are stored in the blockchain network 2 and transmitted therein, and are written into the block 21 by the nodes in the blockchain network 2.

In a specific embodiment, the first location includes at least one of a gas station, a parking lot, and a vehicle repair shop. The behavior of using the vehicle in this first place includes at least one of refueling, parking and maintaining the vehicle. The first vehicle usage information generated by the data collection device 12 according to the above vehicle usage behavior includes fueling time, fueling location, fueling quantity, parking time, parking location, payment At least one of content and vehicle maintenance records.

In a specific embodiment, the license plate recognition device 11 uses optical character recognition technology to perform license plate recognition. To further explain, the license plate recognition device 11 may include an image acquisition module, a license plate positioning module, a background color recognition module, a character segmentation module, and a character recognition module installed in the first place. The image collection module is used to collect images of all vehicles in the first place. The license plate positioning module is used to identify the vehicle image provided by the image acquisition module, locate the position of the license plate of each vehicle, and capture the image of the license plate. The color recognition module performs color recognition after receiving the image of the license plate, and then obtains the color of the license plate. After the character segmentation module receives the image of the license plate, it uses the character segmentation algorithm of the license plate to divide the license plate number into independent character images. After the character recognition module receives the character image, it uses optical character recognition technology to recognize the number of the license plate. The license plate recognition device 11 may be a camera with a calculation and analysis function, or a combination of the camera and the computer. The computer may also include a data collection device 12 for associating and storing the recognition result (ie, license plate) obtained by the license plate recognition device 11 with the first car information generated by the car owner's car behavior. The risk assessment device 13 then generates risk assessment data according to the associated stored identification result and the first vehicle information.

To further explain, in a specific embodiment, the first location includes at least one of a gas station, a parking lot, and a vehicle repair shop. When the first location is a gas station, the car behavior of the insured person is refueling, and the first vehicle information generated by the data collection device 12 according to refueling includes at least one of refueling time, refueling location, refueling quantity, etc. The risk assessment device 13 is based on the fueling time to understand the insured's car use time and the road conditions to evaluate; according to the fueling location to understand where the insured is using the car, to evaluate the road conditions in this area; according to the amount of fueling The insured’s fueling habits, which in turn produce risk assessment data.

In a specific embodiment, when the first place is a parking lot, the insured person uses the car to park. The first vehicle information generated by the data collection device 12 according to the parking includes the parking time and the parking lot location. The risk assessment device 13 is based on the parking time to understand the insured's car time, and to evaluate the parking lot congestion; based on the parking lot location to understand where the insured is using the car, based on the regional road conditions to evaluate, and then generate risks Evaluation data.

In a specific embodiment, when the first location is a vehicle repair factory, the behavior of the insured using the vehicle is the vehicle maintenance record. The first vehicle information generated by the data collection device 12 according to vehicle maintenance includes a vehicle maintenance record. The risk assessment device 13 understands the insured's vehicle maintenance habits according to the vehicle maintenance records, so as to estimate the influence of the vehicle maintenance habits on the vehicle condition, and then generates risk assessment data.

Please refer to FIG. 1 again. In a specific embodiment, the decentralized vehicle insurance evaluation system 1 of the present invention further includes a payment device 14. The payment device 14 is connected to the data collection device 12 to provide the insured with transaction payment for car use and generate payment data. The payment data can also be stored in the blockchain network 2 and transmitted therein, and Block 21 is written by a node in the blockchain network 2. The payment device 14 is connected to the mobile communication device 141 of the insured, and the payment method is stored-value payment or binding payment with plastic currency.

Further, in a specific embodiment, when the insured uses the payment device 14 to pay at the first location, the payment data may include the insured’s payment items, such as fueling time, fueling amount, fueling location, parking time, parking Location, vehicle maintenance items, etc. can be used to understand the payment items of the insured's car usage habits. Therefore, the risk assessment device 13 may also receive the payment data, the aforementioned identification result and the first vehicle information together, thereby generating risk assessment data.

Please refer to FIG. 1 again, in a specific embodiment, the decentralized car insurance assessment of the present invention The system 1 further includes an in-vehicle automatic diagnosis device 15. The vehicle-mounted automatic diagnosis device 15 is installed on the insured's vehicle to record the insured's driving behavior and generate second vehicle information. The driving behavior includes at least one of abrupt acceleration, abrupt deceleration, abrupt turns, and mileage between driving trips. The risk assessment device 13 receives the second vehicle information from the on-vehicle automatic diagnosis device 15 and generates risk assessment data based on the recognition result, the first vehicle information, and the second vehicle information.

Please refer to FIG. 1 again. In a specific embodiment, the risk assessment device 13 further includes a database 131. The database 131 is used to store individual data of the insured person. The individual data includes at least one of the insured person's age, gender, accident record, vehicle age, and brand. The risk assessment device 13 generates risk assessment data based on the identification result, the first vehicle information and the individual data.

It should be noted that the risk assessment data described in the above specific embodiments can be performed by the risk assessment device 13 according to at least one of the identification result, the first vehicle information and the payment data, and combined with the second vehicle information or individual data It comes from cross-assessment. The actual selection of the evaluation item is determined by the content of the auto insurance policy of the unit and the insured who evaluate the auto insurance.

Please refer to FIG. 2, which is a flowchart of a specific embodiment of a decentralized vehicle insurance evaluation method of the present invention. The decentralized car insurance evaluation method of the present invention uses the blockchain network 2 to provide the car insurance evaluation information of the insured. In a specific embodiment, the method of the present invention includes the following steps: Step S11: Recognize the license plate of the insured's vehicle in the first place; Step S12: Store the recognition result generated after recognition in the blockchain network 2 And transmit it; step S13: generate first car information based on the insured's car behavior in the first place; step S14: store the first car information on the blockchain network 2 and transmit it; step S41 : Generate risk assessment data based on the recognition results and the first vehicle information; Step 42: Store the risk assessment data on the blockchain network 2 and transmit it; Step S43: Store the recognition results, the first vehicle information and the risk assessment The data is written in block 21.

Please refer to FIG. 2 again. In a specific embodiment, the decentralized vehicle insurance evaluation method of the present invention further includes the following steps: Step S21: Receive a transaction payment made by the insured for vehicle use; Step S22: Generate payment data based on the transaction payment ; Step S23: Store payment data in the blockchain network 2 and transmit it. Among them, the risk assessment data is generated based on the identification result, the first vehicle information and the payment data, and the payment data and the identification result, the first vehicle information and the risk assessment data are written into the block 21.

Please refer to FIG. 2 again. In a specific embodiment, the decentralized vehicle insurance evaluation method of the present invention further includes the following steps: Step S31: record the driving behavior of the insured; Step S32: generate second vehicle information based on the driving behavior; step S33 : Store the second vehicle information in the blockchain network 2 and transmit it. Among them, the risk assessment data is generated based on the identification results, the first vehicle information and the second vehicle information. The second vehicle information and identification result, the first vehicle information and the risk assessment data are written in block 21.

Please refer to FIG. 3, which is a flowchart of another embodiment of the decentralized vehicle insurance evaluation method of the present invention. In another specific embodiment, the method of the present invention can store all the data separately or together in the blockchain network 2 and transmit it after generating the risk assessment data. Further, the method of the present invention includes the following steps: Step S11: Identify the license plate of the insured's vehicle in the first location; Step S13: Generate first car information based on the insured's car behavior in the first location; Step S41: Generate risk assessment data based on the recognition results and the first vehicle information; Step S42: Store the risk assessment data on the blockchain network 2 and transmit it; Step S43: Store the recognition results, the first vehicle information and the risks The evaluation data is written in block 21.

In the above, please refer to FIG. 3 repeatedly. In this specific embodiment, the decentralized vehicle insurance evaluation method of the present invention further includes the following steps: Step S21: Receive the payment made by the insured for the vehicle use behavior Easy payment; Step S22: Generate payment information according to the transaction payment. Among them, the risk assessment data is generated based on the identification result, the first vehicle information and the payment data, and the payment data and the identification result, the first vehicle information and the risk assessment data are written into the block 21.

As mentioned above, please refer to FIG. 3 again. In this specific embodiment, the decentralized vehicle insurance evaluation method of the present invention further includes the following steps: Step S31: record the driving behavior of the insured; Step S32: generate second vehicle information based on the driving behavior . Among them, the risk assessment data is generated based on the identification results, the first vehicle information and the second vehicle information. The second vehicle information and identification result, the first vehicle information and the risk assessment data are written in block 21.

In a specific embodiment, the risk assessment data is generated based on the identification result, the first vehicle information, and the individual data of the insured person stored in the database 131. Individual data and identification results, first vehicle information and risk assessment data are written in block 21.

In the above specific embodiment, the recognition result, the first car information, the second car information, the payment data, the individual data and the risk assessment data can be written to a block by the nodes of the blockchain network 2 separately or together 21 or more blocks 21. In another specific embodiment, at least one of the identification result, the first car information, the second car information, the payment data, the individual data, and the risk assessment data may be stored in the blockchain network 2 first It is transmitted in it, and after being extracted and used, it is written into the block 21 by the node of the blockchain network 2. By storing first and then writing, the step of repeatedly writing or extracting the block 21 is omitted.

Compared with the conventional technology, the decentralized vehicle insurance evaluation system 1 and its method of the present invention make use of the device installed in the place where the vehicle behavior is performed, allowing the system to actively collect the vehicle information of the insured person without the insured person Install the car's automatic diagnosis system 15 or mobile phone application to record the car information. This kind of active collection means that the collected vehicle information will not Because the insured's use is improper, it cannot be collected accurately, nor will it increase the installation burden and cost of the insured. Furthermore, the first vehicle information collected by the system of the present invention includes at least one of fueling time, fueling location, fueling quantity, parking time, parking location, payment method, and vehicle maintenance record. This first vehicle information is an environmental factor other than the vehicle, which is closer to the actual vehicle behavior of the insured than the current UBI vehicle insurance assessment. If it is combined with the self-factors of the second vehicle information including at least one of rapid acceleration, deceleration, sharp turns, and mileage generated during the driving trip, the driving behavior will be comprehensively evaluated, and It will more accurately depict all the car-related risk assessments of policyholders. In addition to the above, all information and data collected and generated by this system are stored, transmitted, and extracted through blockchain technology to ensure that these data cannot be tampered with, thereby increasing the credibility of the auto insurance assessment.

Through the detailed description of the above specific embodiments, it is hoped that the characteristics and spirit of the present invention can be described more clearly, rather than limiting the scope of the present invention with the specific embodiments disclosed above. On the contrary, the purpose is to cover various changes and equivalent arrangements within the scope of the patent scope of the present invention.

1‧‧‧ Decentralized car insurance evaluation system

11‧‧‧ License plate recognition device

12‧‧‧Data collection device

13‧‧‧Risk assessment device

131‧‧‧ Database

14‧‧‧Payment device

141‧‧‧Mobile communication device

15‧‧‧Vehicle automatic diagnosis device

2‧‧‧Blockchain network

21‧‧‧ block

Claims (12)

A decentralized car insurance evaluation system, connected and applied with a blockchain network, to provide car insurance evaluation information of an insured, the system includes: a license plate recognition device, installed in a first place, the license plate recognition device is used To identify the license plate of the insured's vehicle and generate a recognition result; a data collection device is constructed in the first place, the data collection device is used to generate according to a car behavior of the insured in the first place A first vehicle information, the first vehicle information includes at least one of refueling time, refueling location, refueling quantity, parking time, parking location, vehicle maintenance record; and a risk assessment device connected to the license plate recognition device and The data collection device, the risk assessment device is used to receive the recognition result and the first vehicle information from the license plate recognition device and the data collection device, and generate a risk assessment based on the recognition result and the first vehicle information Data; wherein, the identification result, the first vehicle information and the risk assessment data are stored and transmitted in the blockchain network and written into a block by a node in the blockchain network. The decentralized vehicle insurance evaluation system as described in item 1 of the patent application scope further includes: a payment device connected to the data collection device to provide the insured with transaction payment for the vehicle use behavior and generate a payment data The payment data is stored and transmitted in the blockchain network, and is written into the block by a node in the blockchain network. The decentralized vehicle insurance evaluation system as described in item 2 of the patent application scope, wherein the payment device is connected to a mobile communication device of the insured, and the payment method of the payment device is stored-value payment or binding payment with plastic currency . The decentralized vehicle insurance evaluation system as described in item 1 of the patent application scope, wherein the license plate recognition device utilizes optical character recognition technology for license plate recognition. The decentralized vehicle insurance evaluation system as described in item 1 of the scope of the patent application, wherein the first place includes at least one of a gas station, a parking lot, and a vehicle maintenance plant, and the vehicle behavior includes refueling, parking, and maintenance of vehicles At least one. The decentralized vehicle insurance evaluation system as described in item 1 of the patent application scope further includes an on-board automatic diagnosis device, which is installed on the insured's vehicle to record the driving behavior of one of the insured and produce a second purpose Vehicle information, where the driving behavior includes at least one of abrupt acceleration, abrupt deceleration, abrupt turns, and mileage between driving trips, the risk assessment device receives the second vehicle information from the on-vehicle automatic diagnosis device and according to the The identification result, the first vehicle information and the second vehicle information generate the risk assessment data. The decentralized vehicle insurance evaluation system as described in item 1 of the patent application scope, wherein the risk evaluation device further includes a database for storing individual data of the insured, the risk evaluation device based on the identification result, the first One vehicle information and the individual data generate the risk assessment data. According to the decentralized vehicle insurance evaluation system described in item 7 of the patent application scope, the individual data includes at least one of the insured's age, gender, accident record, vehicle age, and brand. A decentralized car insurance evaluation method that uses a blockchain network to provide car insurance evaluation information for an insured. The method includes the following steps: identifying the license plate of the insured's vehicle in a first location, and identifying A recognition result generated afterwards is stored and transmitted on the blockchain network; the first car information is generated according to the car behavior of the insured in the first place, and the One vehicle information is stored and transmitted on the blockchain network, wherein the first vehicle information includes at least one of refueling time, refueling location, refueling quantity, parking time, parking location, and vehicle maintenance records; based on the identification The result and the first vehicle information generate a risk assessment data, and store and transmit the risk assessment data on the blockchain network; and write the identification result, the first vehicle information and the risk assessment data In a block. The decentralized vehicle insurance evaluation method as described in item 9 of the patent application scope further includes the following steps: receiving the transaction payment made by the insured for the vehicle use behavior, and generating a payment data according to the transaction payment, and the payment data Stored and transmitted on the blockchain network; wherein, the risk assessment data is generated based on the identification result, the first vehicle information and the payment data, and the payment data and the identification result, the first vehicle information And the risk assessment data is written in the block. The decentralized vehicle insurance assessment method as described in item 9 of the patent application scope further includes the following steps: recording the driving behavior of one of the insured, and generating a second vehicle information according to the driving behavior, and using the second vehicle Information is stored and transmitted on the blockchain network; wherein the risk assessment data is generated based on the identification result, the first vehicle information and the second vehicle information, and the second vehicle information and the identification result , The first vehicle information and the risk assessment data are written in the block. The decentralized vehicle insurance assessment method as described in item 9 of the patent application scope, wherein the risk assessment data is generated based on the identification result, the first vehicle information, and individual data of the insured person stored in a database, and The individual data and the identification result, the first vehicle information and the risk assessment data are written into the block.

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