System and method for calculating driving risks and assisting automobile insurance pricing based on multi-source data

Abstract

The invention discloses a system and method for calculating driving risks and assisting automobile insurance pricing based on multi-source data. The system includes an intelligent mobile internet terminal and a remote server connected with each other; a plurality of data sensing acquisition units and applications are installed in the intelligent mobile terminal; and the remote server is provided with a risk model algorithm system and includes a scene driving risk analysis sub module, a distracted driving model recognition sub module, a user travel behavior analysis sub module and a driving behavior evaluation and grading system sub module. According to the system and method of the invention, data acquired by the intelligent mobile internet terminal and road traffic information acquired by the remote server are analyzed, and the scores of the sub modules are calculated, and automobile insurance pricing is carried out according to the scores. With the system and method of the invention adopted, based on multi-source data acquisition and fusion, the driving behaviors of users are analyzed, and the travel habits, driving habits and driving risks of the drivers can be effectively calibrated, and therefore, theoretical basis and technical support can be provided for driving behavior-based automobile insurance pricing models.

Description

technical field [0001] The invention belongs to the technical field of traffic safety and data statistics, and specifically relates to a system and method for calculating driving risk and assisting auto insurance pricing based on multi-source data. Background technique [0002] Common auto insurance pricing models are usually based on static information such as the driver's age, gender, driving experience, city of life, accident records, claims history, etc., while ignoring personal factors such as the driver's driving habits and distracted driving. In fact, these factors may be more important to the driver's driving safety and the risk of compensation that the insurance company may need to bear. In the case of the same age and driving experience, if one driver drives 20,000 kilometers a year, often speeds, steps on the brakes and accelerators, and often makes phone calls or text messages while driving, while the other driver only Drive 5,000 kilometers and follow the traff...

AI Technical Summary

Problems solved by technology

In addition, this method cannot detect whether the driver has engaged in distracted driving behaviors such as making and receiving calls, sending and receiving text messages, etc., which are closely related to driving risks.

Images