Electronic car insurance meter

An electronic meter and insurance premium technology, applied in the field of automation, can solve the problem that the electronic meter device cannot be transplanted, etc., and achieve the effect of accurate calculation

Active Publication Date: 2016-07-13
郁佳敏
View PDF7 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, since automobile insurance premiums are determined by multiple risk factors such as people, vehicles, and road conditions, common electronic pricing devices (such as time-of-use billing meters for electric power, taxi pricing for taxi fares, etc.) device) and cannot be transplanted to car insurance pricing

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Electronic car insurance meter
  • Electronic car insurance meter
  • Electronic car insurance meter

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0053] Automobile insurance premium electronic meter, such as figure 1 As shown, it includes a sensor module, a premium calculation module, a communication interface module, and a user interface module;

[0054]The sensor module is used to detect or receive a variety of automobile risk data information, and transmit the automobile risk data information to the premium calculation module; preferably, the automobile risk data information includes the geographical location information and working conditions of the automobile at each time point Information, distance information of obstacles around the vehicle body, etc.;

[0055] The premium calculation module is used to calculate the accumulated insurance premium from the start of billing to the present according to the automobile risk data information after the billing starts;

[0056] The communication interface module is used for data communication;

[0057] The user interface module is used for human-computer interaction.

Embodiment 2

[0059] Based on the first embodiment, the sensor module of the electronic car insurance meter includes a position sensing unit, a driving computer (Electronic Control Unit, ECU) interface unit, and a radar sensor unit;

[0060] The position sensing unit is used to receive the geographical position information of the car (including time t and position signal P) from the positioning system, and output the geographical position information of the car at each time point to the premium calculation module; the positioning system can be The GPS (Global Positioning System, Global Positioning System) system of the United States, or the Beidou satellite navigation system of China;

[0061] The driving computer interface unit is used to communicate with the driving computer of the car, obtain the working condition information of the car, and output the working condition information of the car at each time point to the premium calculation module; preferably, the working condition informati...

Embodiment 3

[0065] Based on embodiment two, the premium calculation module of the automobile insurance electronic price calculator includes an insurance premium calculator, a memory, a sensor signal processor, and a controller;

[0066] The memory stores a driver risk factor table, a car risk factor table, a road condition risk factor table, and a base rate table;

[0067] Driver risk factor table, which saves the correspondence between the insurance accident risk level and various vehicle risk data information related to driver behavior, and the data items of the driver risk factor table include geographic location information, working condition information, vehicle surrounding Obstacle distance information, driver risk factor, each combination of geographic location information, working condition information and distance information to obstacles around the vehicle body corresponds to a driver risk factor;

[0068] The automobile risk factor table saves the corresponding relationship bet...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention discloses an automobile insurance electronic meter which comprises a sensor module, an insurance calculating module, a communication interface module and a user interface module. The sensor module is used for sensing various risk information data of human, automobiles and roads and outputting the risk information data to the insurance calculating module. The insurance calculating module is used for calculating insurance accumulated from the beginning time of billing to the current time according to the automobile risk data information after the billing. The communication interface module is used for performing data communication. The user interface module is used for performing man-machine interaction. The automobile insurance electronic meter of the invention can accurately calculate the insurance in real time according to actual use of an automobile.

Description

technical field [0001] The invention relates to automation technology, in particular to an electronic car insurance meter. Background technique [0002] Car insurance premiums are usually simply billed according to the insurance time (year). The risk of auto insurance is directly related to the use status of the insured car. During the insurance period, if the car is used more, the risk of insured accidents will definitely increase, and if it is used less, the risk of insured accidents will inevitably decrease accordingly. The risk of accidents is almost zero. Therefore, it is unfair for traditional car insurance premiums to be simply priced annually. Automobile insurance premiums should be calculated based on actual usage and consumption, just like water, electricity and coal, so as to be more fair and reasonable. [0003] However, since automobile insurance premiums are determined by multiple risk factors such as people, vehicles, and road conditions, common electronic p...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
Patent Type & Authority Patents(China)
IPC IPC(8): G07B13/00G07C5/08
Inventor 郁佳敏
Owner 郁佳敏
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap