TWM601415U - Vehicle damage prevention underwriting claims system - Google Patents
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- TWM601415U TWM601415U TW109205901U TW109205901U TWM601415U TW M601415 U TWM601415 U TW M601415U TW 109205901 U TW109205901 U TW 109205901U TW 109205901 U TW109205901 U TW 109205901U TW M601415 U TWM601415 U TW M601415U
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Abstract
本創作係揭露一種車輛損害防阻核保理賠系統,包括:處理器,進行資料運算以供系統使用,並進行系統之資訊協調;儲存裝置,接收處理器之指令,而儲存系統所暫存之資料;定位模組,接收處理器之指令,而接收車輛之位置資訊;感測模組,接收處理器之指令,而接收車輛之感應器資訊;損防模組,其接收處理器之指令,並利用位置資訊與感應器資訊,在車輛有不當駕駛行為時,發出提示提醒駕駛人,且在車輛發生激烈碰撞或是事故時,自動擷取位置資訊及感應器資訊並儲存於儲存裝置中,以將相關監測資訊進一步提供保險公司。 This creation is to disclose a vehicle damage prevention underwriting claims system, including: a processor, which performs data calculations for use by the system, and performs system information coordination; a storage device, which receives instructions from the processor, and stores temporarily stored in the system Data; positioning module, which receives instructions from the processor and position information of the vehicle; sensing module, which receives instructions from the processor and sensor information of the vehicle; damage prevention module, which receives instructions from the processor, And using location information and sensor information, when the vehicle has improper driving behavior, prompts to remind the driver, and in the event of a severe collision or accident, the location information and sensor information are automatically captured and stored in the storage device. To further provide relevant monitoring information to insurance companies.
Description
本創作是有關於一種保險系統,特別是有關於一種可使隨時監控行車狀況,並定時上傳記錄行車狀況,以在車輛出現不當駕駛行為時提醒用戶,並作為保險費率之依據,且在出現車輛事故或碰撞時,自動擷取事故當時相關記錄給予保險公司,以提供相關理賠服務的車輛損害防阻核保理賠系統。 This creation is about an insurance system, especially about an insurance system that can monitor driving conditions at any time, and upload and record driving conditions regularly, to remind users when the vehicle has improper driving behavior, and as a basis for insurance rates. In the event of a vehicle accident or collision, it automatically captures the relevant records at the time of the accident and gives it to the insurance company to provide the vehicle damage prevention underwriting and claims system for related claims services.
隨著時代的演進,將風險轉嫁以在意外時提供額外的保障之觀念日漸產生而普及。而開車的人都知道,車子除必需要投保強制保險外,用路人也常投保其他如車體險、拖吊險、第三人責任險等險種。 As the times evolve, the concept of passing on risks to provide additional protection in the event of an accident has gradually emerged and spread. Everyone who drives knows that in addition to compulsory insurance, passers-by also often insure other types of insurance such as car body insurance, towing insurance, and third party liability insurance.
然而,而傳統的保費計算,通常會是依據過去駕駛人(即車輛用戶)是否有申請理賠出險,若有,則因為風險關係會調高未來的保費,無法精準的瞭解到用戶平時的駕駛習慣,而且若是發生事故,由於沒有即時紀錄現場的車輛情況,因此保險公司必須要承受更多的風險,使用間接的證據來判定理賠的金額,而更常見的狀況則是保險公司派人在現場且駕駛人需要自行通知保險公司,並提供相關的 佐證,進而讓保險公司可以順利得出險或是提供相應的保戶服務。 However, traditional insurance premium calculations are usually based on whether the driver (i.e. vehicle user) has applied for a claim to get out of the insurance in the past. If so, the future premium will be increased due to the risk relationship, and it is impossible to accurately understand the user’s usual driving habits. And if an accident occurs, because there is no real-time record of the vehicle situation at the scene, the insurance company must bear more risks and use indirect evidence to determine the amount of the claim. The more common situation is that the insurance company sends someone to the scene and Drivers need to inform the insurance company and provide relevant Supporting evidence so that insurance companies can smoothly obtain insurance or provide corresponding insurer services.
因此,業界目前亟需要一種可自動記錄車輛狀況及駕駛人習慣,並在發生事故或是碰撞前,當不當駕駛的情形出現時,提醒駕駛人,預先防堵事故的發生,且若不幸發生事故碰撞時,可自動將相關證據提供給保險公司,並自動進入理賠服務且及時通知駕駛人的親人,以即時提供駕駛人保險拖吊服務與親友之協助的自動化保險系統 Therefore, the industry currently urgently needs a system that can automatically record vehicle conditions and driver habits, and remind the driver when improper driving occurs before an accident or collision occurs, and prevent the occurrence of an accident in advance, and if an accident happens unfortunately In the event of a collision, it can automatically provide relevant evidence to the insurance company, and automatically enter the claims service and notify the driver’s relatives in time to provide the driver’s insurance towing service and the assistance of relatives and friends.
有鑑於上述習知技術之問題,本創作之目的就是在提供一種車輛損害防阻核保理賠系統,以在車輛出現不當駕駛行為時提醒用戶,並作為保險費率之依據,且在出現車輛事故或碰撞時,自動擷取事故當時相關記錄給予保險公司,並自動化的提供相關理賠服務。 In view of the above-mentioned problems of the conventional technology, the purpose of this creation is to provide a vehicle damage prevention underwriting and compensation system to remind users when the vehicle is driving improperly, and as the basis for the insurance rate, and in the event of a vehicle accident Or in the event of a collision, the relevant records at the time of the accident will be automatically captured and given to the insurance company, and related claims settlement services will be provided automatically.
根據本創作之一目的,係提出一種車輛損害防阻核保理賠系統。此車輛損害防阻核保理賠系統包括:處理器,進行資料運算以供系統使用,並進行系統之資訊協調;儲存裝置,接收該處理器之指令,而儲存系統所暫存之資料;定位模組,接收該處理器之指令,而接收車輛之位置資訊;感測模組,其接收處理器之指令,而接收車輛之感應器資訊;損防模組,接收處理器之指令,並利用位置資訊與感應器資訊,在車輛有不當駕駛行為時,發出提示提醒駕駛人,且在車輛發生激烈碰撞或是事故時,自動擷取 位置資訊及感應器資訊並儲存於儲存裝置中,以將等資訊進一步提供保險公司;通訊模組,接收處理器之指令,而與外部系統或是資料庫通訊。 According to one of the purposes of this creation, a vehicle damage prevention underwriting system is proposed. This vehicle damage prevention underwriting claims system includes: a processor, which performs data calculations for use by the system, and performs system information coordination; a storage device, which receives instructions from the processor, and stores the data temporarily stored in the system; Group, receive the instructions of the processor, and receive the location information of the vehicle; the sensing module, receive the instructions of the processor, and receive the sensor information of the vehicle; the damage prevention module, receive the instructions of the processor, and use the location Information and sensor information, when the vehicle has improper driving behavior, prompts to remind the driver, and automatically captures when the vehicle is in a severe collision or accident The location information and sensor information are also stored in the storage device to provide further information to the insurance company; the communication module receives instructions from the processor and communicates with the external system or database.
在本創作之車輛損害防阻核保理賠系統中,定位模組可包括GPS定位模組。 In the vehicle damage prevention underwriting claims system of this creation, the positioning module may include a GPS positioning module.
在本創作之車輛損害防阻核保理賠系統中,感測模組可包括氣壓感測器、陀螺儀、加速度感測器、鄰近感測器、攝像鏡頭。 In the vehicle damage prevention underwriting claims system of this invention, the sensing module may include a pressure sensor, a gyroscope, an acceleration sensor, a proximity sensor, and a camera lens.
在本創作之車輛損害防阻核保理賠系統中,通訊模組可包括藍芽通訊器、無線網路通訊器、行動網路通訊器,而行動網路通訊器可包括3G、4G或5G之蜂巢式行動通訊器。 In the vehicle damage prevention underwriting claims system of this creation, the communication module can include Bluetooth communicator, wireless network communicator, mobile network communicator, and mobile network communicator can include 3G, 4G or 5G. Cellular mobile communicator.
在本創作之車輛損害防阻核保理賠系統中,該系統可包括:顯示模組,接收處理器之指令,而顯示車輛資訊或是地圖資訊給予用戶。 In the vehicle damage prevention underwriting claims system of this invention, the system may include: a display module, which receives instructions from the processor, and displays vehicle information or map information to the user.
在本創作之車輛損害防阻核保理賠系統中,損防模組可進一步將位置資訊與感應器資訊利用通訊模組,上傳至雲端伺服器儲存。 In the vehicle damage prevention underwriting claims system created by this invention, the damage prevention module can further upload the location information and sensor information to the cloud server for storage using the communication module.
在本創作之車輛損害防阻核保理賠系統中,不當駕駛行為可包括未保持安全距離或安全間隔、超速、任意變換車道、逆向行駛或轉彎未打方向燈。 In the vehicle damage prevention underwriting claims system of this creation, improper driving behavior may include failing to maintain a safe distance or safe interval, speeding, changing lanes arbitrarily, driving in reverse or turning without turning on the direction light.
在本創作之車輛損害防阻核保理賠系統中,該系統可進一步與隨車電腦診斷系統連接,以即時取得行車電腦的車輛資訊。 In the vehicle damage prevention underwriting and claims system of this creation, the system can be further connected with the on-board computer diagnostic system to obtain real-time vehicle information from the trip computer.
在本創作之車輛損害防阻核保理賠系統中,當車輛發生激烈碰撞或是事故時,系統更可藉由通訊模組,即時通知用戶的親人及保險公司,以使用戶獲得該親人與保險公司的協助。 In this creation of the vehicle damage prevention underwriting and claims system, when the vehicle is in a severe collision or accident, the system can also use the communication module to notify the user’s relatives and insurance company in real time, so that the user can obtain the relative and insurance Company assistance.
承上所述,本創作之車輛損害防阻核保理賠系統,可具有一或多個下述優點: Based on the above, the vehicle damage prevention underwriting claims system of this creation may have one or more of the following advantages:
(1)此車輛損害防阻核保理賠系統可在車輛出現不當駕駛行為時提醒用戶,並以此作為保險費率之依據。 (1) This vehicle damage prevention underwriting and claim settlement system can remind users when the vehicle is driving improperly, and use this as the basis for insurance rates.
(2)此車輛損害防阻核保理賠系統可在出現車輛事故或碰撞時,自動擷取事故當時相關記錄給予保險公司,並自動化的提供相關理賠服務。 (2) This vehicle damage prevention underwriting claims system can automatically retrieve relevant records at the time of the accident and give it to the insurance company in the event of a vehicle accident or collision, and automatically provide related claims services.
10:車輛損害防阻核保理賠系統 10: Vehicle damage prevention underwriting claims system
101:處理器 101: processor
103:儲存裝置 103: storage device
105:定位模組 105: positioning module
107:感測模組 107: Sensing module
109:損防模組 109: Damage Prevention Module
111:通訊模組 111: Communication module
113:顯示模組 113: display module
20:隨車電腦診斷系統 20: On-board computer diagnostic system
30:雲端伺服器 30: Cloud server
[圖1]係本創作之車輛損害防阻核保理賠系統示意圖。 [Figure 1] is a schematic diagram of the vehicle damage prevention underwriting claims system created by this author.
[圖2]係本創作之車輛損害防阻核保理賠系統運作示意圖。 [Figure 2] is a schematic diagram of the operation of the vehicle damage prevention underwriting claims system created by this author.
請參閱圖1,其係本創作之車輛損害防阻核保理賠系統。圖中,車輛損害防阻核保理賠系統10包括:處理器101,進行資料運算以供系統10使用,並進行系統10之資訊協調;儲存裝置103,接收該處理器101之指令,而儲存系統10所暫存之資料;定位模組105,接收該處理器101之
指令,而接收車輛之位置資訊;感測模組107,其接收處理器101之指令,而接收車輛之感應器資訊;損防模組109,接收處理器101之指令,並利用位置資訊與感應器資訊,在車輛有不當駕駛行為時,發出提示提醒駕駛人,且在車輛發生激烈碰撞或是事故時,自動擷取位置資訊及感應器資訊並儲存於儲存裝置103中,以將等資訊進一步提供保險公司;通訊模組111,接收處理器101之指令,而與外部系統或是資料庫通訊,例如,如圖中的隨車電腦診斷系統20、雲端伺服器30,或是圖中未示出的保險公司和保理賠系統等。
Please refer to Figure 1, which is the vehicle damage prevention underwriting system of this creation. In the figure, the vehicle damage prevention
請繼續參照圖1,定位模組105可為GPS定位模組、手機基地台定位模組或是其組合。感測模組107可為氣壓感測器、陀螺儀、加速度感測器、鄰近感測器、攝像鏡頭。
通訊模組111可為藍芽通訊器、無線網路通訊器、行動網路通訊器,而行動網路通訊器可包括3G、4G或5G之蜂巢式行動通訊器。此外,上面所述的不當駕駛行為可包括未保持安全距離或安全間隔、超速、任意變換車道、逆向行駛或轉彎未打方向燈。前述的處理器101可以使用通用的CPU(Central Processing Unit,中央處理器)、微處理器、應用專用積體電路(Application Specific Integrated Circuit,ASIC)等方式來實現。而儲存裝置103可以使用ROM(Read Only Memory,唯讀記憶體)、RAM(Random Access Memory,隨機存取記憶體)、靜態存取置,動態儲存裝置設備等形式實現。
Please continue to refer to FIG. 1, the
請參閱圖2並復參閱圖1,圖2係本創作之車輛損害防阻核保理賠系統運作示意圖。圖中,車輛損害防阻核保理賠系統10可具有先進駕駛輔助系統(ADAS),以偵測車輛行車狀況,同時,也可連接隨車電腦診斷系統20,以偵測車輛引擎並取得行車電腦等車輛資訊,當然本系統10不連接隨車電腦診斷系統20時,也可以單獨運作,本系統20可架設在後視鏡上或貼在前擋玻璃上,連接車輛12V電源運作。
Please refer to Figure 2 and refer to Figure 1 again. Figure 2 is a schematic diagram of the operation of the vehicle damage prevention underwriting claims system of this creation. In the figure, the vehicle damage prevention
請繼續參閱圖2並復參閱圖1,本系統10可提供地圖圖資,可提供導航、塞車情報、目的地天氣等資訊,此類資訊會顯示在如圖1的顯示模組113上。而本系統10每秒會把行車狀況,如位置資訊與感應器資訊,利用通訊模組111,例如3/4/5G的蜂巢式行動通訊器上傳至雲端伺服器30儲存,行車狀況可能為急煞車、急加速、怠速時間,油耗、行駛里程、位置、未保持安全間隔、未保持安全車距、轉彎未打方向燈、超速、行車影像、碰撞紀錄等。而當出現不當駕駛行為時,例如未保持安全距離、安全間隔、超速、變換車道不當、逆向行駛等時,本系統10會發出語音提示,提醒駕駛人注意車況;當本系統10偵測到不當駕駛行時,亦可使用EMAIL、電話、簡訊等,通知駕駛者親友或保險公司,以即時改正駕駛人之不當車輛駕駛行為並降低因此類行為而造成之風險。本系統10在每個特定時間區段結束時,例如一季或一年,會進行駕駛行為分析,提供保險公司核保依據,並計算UBI車險(Usage-
Based Insurance)的加減係數提供給保險公司計算保費使用。
Please continue to refer to FIG. 2 and refer to FIG. 1 again. The
請繼續參閱圖2,當發生車禍事故或激烈碰撞時,本系統10會自動擷取事故發生前10秒至事發後20秒的紀錄並存於雲端伺服器30,並另外保存當時本系統10紀錄的行車狀況,以利提供給保險公司,整合數據資料,來進入理賠AI分析系統,立即判斷肇事責任並提供理賠服務。而同時,本系統10亦會回傳事故訊息給駕駛人之親友或保險公司,用於提醒親友協助駕駛人,同時,保險公司亦可回播電話給駕駛人瞭解事故狀況,並提供理賠人員現場處理、或是提供道路救援服務。
Please continue to refer to Figure 2. When a car accident or severe collision occurs, the
以上所述僅為舉例性,而非為限制性者。任何未脫離本創作之精神與範疇,而對其進行之等效修改或變更,均應包含於後附之申請專利範圍中。 The above description is only illustrative, and not restrictive. Any equivalent modifications or changes that do not depart from the spirit and scope of this creation should be included in the attached scope of patent application.
10:車輛損害防阻核保理賠系統 10: Vehicle damage prevention underwriting claims system
101:處理器 101: processor
103:儲存裝置 103: storage device
105:定位模組 105: positioning module
107:感測模組 107: Sensing module
109:損防模組 109: Damage Prevention Module
111:通訊模組 111: Communication module
113:顯示模組 113: display module
20:隨車電腦診斷系統 20: On-board computer diagnostic system
30:雲端伺服器 30: Cloud server
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TWI820471B (en) * | 2021-08-19 | 2023-11-01 | 陳伯源 | Vehicle driving risk assessment system |
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TWI820471B (en) * | 2021-08-19 | 2023-11-01 | 陳伯源 | Vehicle driving risk assessment system |
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