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Location based service (LBS) database-based vehicle information collection device and risk analysis method

A database and data technology, applied in data processing applications, registration/instruction of vehicle operation, resources, etc., can solve the problems of increasing the burden on insurance companies, taking a long time for financial institutions, increasing losses of financial institutions, etc., to reduce economic risks Effect

Active Publication Date: 2014-07-23
QINGDAO ZHONGRUI CAR SERVICE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, in the above two situations, it may take a long time for financial institutions to discover risks and take measures. Once financial institutions fail to monitor or discover vehicle accidents in time, it will increase the burden on insurance companies and increase the losses of financial institutions.

Method used

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  • Location based service (LBS) database-based vehicle information collection device and risk analysis method
  • Location based service (LBS) database-based vehicle information collection device and risk analysis method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0022] see figure 1 , a vehicle information collection device based on an LBS database, the collection device includes a driving data collection system, a network, and a vehicle inspection platform service system, wherein the driving data collection system includes a GPS satellite positioning device, an acceleration sensor, a 3D orientation sensor, and a driving information The processing module and the network communication module, the GPS satellite positioning device, the acceleration sensor and the 3D orientation sensor are all electrically connected to the network communication module through the driving information processing module. The GPS satellite positioning device is used for real-time collection of driving positioning point information, including driving latitude and longitude coordinate information Driving time information; the acceleration sensor is used to collect driving acceleration information in real time, the acceleration sensor is equipped with sensing elem...

Embodiment 2

[0043] The technical scheme of the vehicle information collection device based on the LBS database of embodiment 2 and the risk analysis method of the vehicle information collection device based on the LBS database is basically the same as the technical solution of embodiment 1, and its distinguishing features are:

[0044] Step 2: Based on the information of the car's stop point, the score data of the car owner's main residential area is obtained, namely: according to the geographical location information and time information of the car stop point, that is, according to the stay time of the stop point in the last 30 days from 10:00 p.m. to 6:00 a.m. Between points, and the stay time of the last 30 days is more than 30 minutes, the vehicle owner's residential area database in the last 30 days is obtained, and compared with the standard residential area database of the owner in the LBS database, and the comparison result is sent to the car checking platform service The system pe...

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Abstract

The invention relates to a vehicle information collection device, and particularly relates to a location based service (LBS) database-based vehicle information collection device and a risk analysis method. The collection and the analysis on travel information are achieved through a travel data collection system, the travel information is transmitted to a vehicle search platform service system to be processed through a general packet radio service (GPRS) wireless network, so as to obtain main living range score data, work range score data, consumption range score data, flow range score data, vehicle feature score data and vehicle user score data of a vehicle owner, thereby obtaining total information score data of a currently used vehicle of an owner. A financing institution can foresee the probability of default of the vehicle owner in advance according to the travel information analysis result after the vehicle owner exceeds the time limit, so as to judge the repayment willingness and the loan repayment ability of the vehicle owner, and take measures as soon as possible aiming at a borrower who does not repay maliciously and illegally disposes or pledges the vehicle. Thus, the economic risks of the financing institution and an insurance company are effectively reduced.

Description

technical field [0001] The invention relates to a vehicle information collection device, in particular to a vehicle information collection device and a risk analysis method based on an LBS database. Background technique [0002] With the rapid development of society, cars have become a high-end means of transportation, and more and more people start to own their own cars and integrate them into their daily lives. The high price of high-end consumer goods makes more and more people use mortgage loans to buy, which reduces the financial burden of buyers to a certain extent. While car owners use mortgage loans, some car owners may maliciously refuse to repay the loan or cannot afford the loan, which brings certain economic risks to financial institutions. Usually, financial institutions purchase car mortgage performance insurance to reduce economic risks. Risk, transfer the risk to the insurance company to reduce the operating risk of the financial institution. [0003] In ad...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07C5/08G06Q10/06G06Q40/02G06Q40/08
Inventor 吴泳
Owner QINGDAO ZHONGRUI CAR SERVICE CO LTD
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