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Method for extracting automobile UBI (usage based insurance) messages

A technology of information extraction and automobile, which is applied in the direction of registration/instruction of vehicle operation, data processing application, registration/instruction, etc. It can solve the problem that insurance companies cannot understand the driving habits of drivers and cannot provide personalized car insurance services for different driving users and other issues to achieve the effect of reducing compensation costs and strengthening road safety

Inactive Publication Date: 2016-03-09
JIANGSU DIGITAL DNA TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Since the insurance company cannot understand the driving habits of the driver, it cannot provide personalized car insurance services for different driving users

Method used

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  • Method for extracting automobile UBI (usage based insurance) messages
  • Method for extracting automobile UBI (usage based insurance) messages
  • Method for extracting automobile UBI (usage based insurance) messages

Examples

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Embodiment Construction

[0028] Such as figure 1 Shown: a kind of automobile UBI information extraction method of the present invention is realized on the basis of IOV——InternetofVehicle's terminal-pipe-cloud architecture, and the intelligent vehicle-mounted sensing terminal is inserted into the vehicle OBDII interface to read all the information of the vehicle. Dynamic information and static information. All the dynamic information and static information include data information of OBD, GPS, and G-Sensor. At present, the main data collected are OBD, GPS, and G-Sensor. The data information is obtained through the intelligent vehicle sensing terminal. GPS and G-Sensor can be integrated with the intelligent vehicle sensing terminal. The GSM module in the vehicle terminal will read through the ubiquitous network The extracted vehicle data information related to driving behavior is sent to the vehicle information platform of the cloud architecture, and the vehicle information platform of the cloud archit...

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PUM

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Abstract

The invention discloses a data extracting method based on automobile UBI (usage based insurance), and belongs to the field of automobile UBI systems. The method includes the steps of automobile UBI data aggregation, gathering, preprocessing, the processing flow, cloud computing, data mining and the like. The method is achieved based on terminal-tube-cloud frameworks of Internet of vehicle (IOV). A vehicle-mounted smart perception terminal acquires all dynamic and static messages of an automobile through a CAN bus and an OBD II; the intelligently-perceived data messages are transmitted to an automobile message platform of the cloud framework in real time through the ubiquitous communication technology; a cloud terminal monitors and judges the operational state of the automobile by analyzing and computing mass data around the automobile message aggregation, computing, dispatching, monitoring and management, the behavior of a driver is analyzed, and software services are provided for automobile insurance, intelligent transportation, vehicle networking and the like.

Description

technical field [0001] The invention belongs to the field of automobile UBI insurance system. Background technique [0002] Traditional auto insurance mainly serves the process-based claims settlement of vehicle accidents, and rarely provides personalized value-added services for drivers. Since insurance companies cannot understand the driving habits of drivers, they cannot provide personalized car insurance services for different driving users. [0003] Compared with traditional auto insurance, auto UBI (Usage Based Insurance) has attracted widespread attention from the auto, insurance, Internet and other industries in recent years. UBI uses the Internet of Vehicles technology to obtain the driving data of the car owner, analyzes the driving habits, driving behavior, mileage and other data of the car owner, determines the safety level of the driver, and gives different premium discounts to car owners with different safety levels, which is a difference Auto insurance with ...

Claims

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Application Information

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IPC IPC(8): G07C5/08G06Q40/08
CPCG07C5/0808G06Q40/08
Inventor 王球司宽社刘南杰刘启武
Owner JIANGSU DIGITAL DNA TECH CO LTD
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