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Internet of vehicles UBI vehicle insurance premium usage monitoring scheme and premium return method

A usage monitoring and Internet of Vehicles technology, applied in the field of UBI auto insurance based on the Internet of Vehicles, can solve the problems of low vehicle usage and lack of benefits for car owners, and achieve fair and reasonable auto insurance premiums

Pending Publication Date: 2017-05-24
北京骐胜科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0004] The simple pricing model based on the number of accidents has not been able to meet the interests of all users. There is no difference in the premiums paid by users who drive and those who do not drive. Car owners with low-volume vehicles that have been idle for a long time have not received benefits.

Method used

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  • Internet of vehicles UBI vehicle insurance premium usage monitoring scheme and premium return method
  • Internet of vehicles UBI vehicle insurance premium usage monitoring scheme and premium return method

Examples

Experimental program
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Embodiment Construction

[0019] Combine below figure 1 , figure 2 Make specific implementation instructions.

[0020] figure 2 UBI auto insurance intelligent monitoring terminal is realized by ublox 7 GPS, 6-axis gyroscope, GPRS wireless transmission module, power supply, etc. Since there is no bulky OBD interface, the volume of the whole product can be made very small, and it can be as large as a watch dial; two red and black power lines are connected externally, one positive and one negative; directly use the 12V on the car to take power; The volume is very small, so the terminal can be installed completely concealed, which has great advantages in vehicle anti-theft.

[0021] The acquisition of location information and time information is realized through GPS and satellite communication. This part has a ready-made Ublox module that can be used. The present invention uses ublox7, which has high positioning accuracy and quick response, as the GPS receiving module.

[0022] In order to accurately...

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PUM

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Abstract

The invention discloses an internet of vehicles UBI vehicle insurance premium usage monitoring scheme and premium return method. The scheme comprises a UBI vehicle insurance intelligent monitoring terminal, a usage based UBI vehicle insurance monitoring method, a premium return mode and a complete UBI vehicle insurance scheme based on the internet of vehicles. The defects that OBD equipment is applied to acquire driving behaviors to act as the judgment basis of the UBI vehicle insurance can be avoided so that the monitoring problem of the UBI vehicle insurance based on the actual vehicle usage of the user can be avoided, and the insurance premium calculation basis of the UBI vehicle insurance based on the actual vehicle usage of the user can be given.

Description

technical field [0001] The present invention relates to the field of UBI (Usage Based Insurance) insurance based on usage, in particular to the field of UBI auto insurance based on Internet of Vehicles, UBI auto insurance usage monitoring, UBI auto insurance actuarial pricing, UBI auto insurance purchase billing and other fields. Background technique [0002] With the development of the Internet of Vehicles, usage-based UBI auto insurance has begun to be explored and implemented in China. At present, the UBI auto insurance model that directly learns from foreign countries based on OBD equipment to collect driving behavior has been unable to be directly implemented in the domestic market. OBD equipment collected through the car bus. Driving behaviors such as rapid acceleration, rapid deceleration, and sharp turns are difficult to use as the basis for judging the premium of UBI auto insurance. [0003] A kind of UBI car insurance that is regarded as fair and reasonable is diff...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G07C5/08
Inventor 不公告发明人
Owner 北京骐胜科技有限公司
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