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Vehicle risk sharing method and apparatus

A vehicle and risk technology, applied in instrumentation, finance, data processing applications, etc., can solve problems such as ineffective judgment, difficulty in large-scale promotion, and difficulty in data collection

Inactive Publication Date: 2015-11-25
郑鑫
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] When making a claim, the insurance company usually has rich experience and a mature judgment process for the determination of accident liability and accident loss, but it usually cannot effectively determine the time and place of the accident, so it leaves a lot of room for vehicle users to fraudulently obtain insurance money. space
[0005] In the process of adapting to the marketization of motor vehicles, rate differential pricing is a main direction. The existing differential pricing factors are only the vehicle's past accident records, which are more valuable factors such as the driving behavior of vehicle users, because the data collected Difficult to promote on a large scale

Method used

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  • Vehicle risk sharing method and apparatus
  • Vehicle risk sharing method and apparatus
  • Vehicle risk sharing method and apparatus

Examples

Experimental program
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Embodiment Construction

[0018] The present invention will take a vehicle user as an example to provide the entire vehicle risk sharing process.

[0019] Step 1, turn on the device, such as figure 2 .

[0020] Step 2, place the device in the middle of the front window and start recording various information including images and videos, such as image 3 .

[0021] Step 3, when the user parks the car properly, stop the device, and pay the risk sharing fee according to the minutes of use recorded by the device, such as Figure 4 .

[0022] Step 4, various parameters recorded by the device will have an impact on the next premium per minute, and encourage vehicle users to drive safely.

[0023] The above descriptions are only preferred examples of the present invention, and are not intended to limit the protection scope of the present invention. Any changes that can be easily conceived by those skilled in the art within the technical scope disclosed in the present invention shall fall within the prot...

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Abstract

The invention provides a vehicle risk sharing method and apparatus, and the method is novel, flexible, reliable and fast and allows users to pay according to use (time). Position sensor information, accelerometer information, image sensor information and gyroscope sensor information are analyzed, accurate time data is used, and information of a memory module, a calculating module and a payment module are employed to provide a method for differently and accurately sharing risk among users.

Description

technical field [0001] The invention relates to a method and device for vehicle risk sharing. Background technique [0002] During the driving process of the vehicle, there will be a huge accident risk, so the avoidance of the accident risk has huge commercial and social value. [0003] Most of the current risk avoidance mechanisms rely on the motor vehicle insurance of insurance companies, and motor vehicle insurance has a one-year insurance period, which cannot meet the needs of vehicle users to obtain risk avoidance on demand. In addition, for new car insurance and replacement of insurance company insurance, etc., it is necessary to inspect the appearance of the vehicle in advance. [0004] When making a claim, the insurance company usually has rich experience and a mature judgment process for the determination of accident liability and accident loss, but it usually cannot effectively determine the time and place of the accident. space. [0005] In the process of adapt...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q50/10
Inventor 不公告发明人
Owner 郑鑫
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