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Driving behavior evaluation system

A technology for evaluating systems and behaviors, applied in the registration/indication of vehicle operation, instruments, finance, etc., can solve the problems of insurance companies unable to understand the driving habits of drivers, unable to provide personalized car insurance services for different driving users, etc. The effect of reducing the cost of claims, facilitating management, and saving lives

Active Publication Date: 2018-03-09
DALIAN ROILAND SCI & 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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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0032] This embodiment provides a driving behavior evaluation system, including a vehicle-mounted intelligent terminal, a cloud server, a mobile client, and a management background; the vehicle-mounted intelligent terminal is used to collect vehicle data and process it, and transmit it to the cloud server; the cloud server The driving risk scoring model is installed to calculate and score the driving data periodically; users can view the driving behavior evaluation in their accounts through the mobile client; the insurance company can view the corresponding user's driving behavior evaluation and data details through the management background.

[0033] The vehicle-mounted intelligent terminal obtains the running information of the vehicle through the CAN bus and OBD II, and judges whether the vehicle has been started; data; the vehicle driving data, including GPS positioning information of the vehicle, real-time road condition information, route data information, mileage informa...

Embodiment 2

[0039] This embodiment provides a method for using the driving behavior evaluation system, including:

[0040] S1: Determine whether the vehicle is started, if the vehicle is started, perform step S2; if the vehicle is not started, continue to stand by; specifically, through method 1 or method 2,

[0041] Method 1: The vehicle-mounted intelligent terminal obtains the running information of the vehicle through the CAN bus and OBD II. When the running state of the vehicle is ignited, it judges that the vehicle has been started, and performs step S2; when the running state of the vehicle is turned off, it judges that the vehicle is not activated. start, then continue to stand by;

[0042] Method 2: The vehicle-mounted intelligent terminal obtains the vehicle's running information through the CAN bus and OBD II. When the vehicle collects the vehicle's running data, such as engine speed, battery power and voltage, vehicle sensor data, etc., it is judged that the vehicle has started, ...

Embodiment 3

[0064] As a further supplement to Example 1 or 2,

[0065] The GPS positioning information: obtain the GPS positioning information of the vehicle through the GPS sensor of the vehicle-mounted intelligent terminal or the Beidou or Glonass AGPS assisted positioning function;

[0066] The real-time road condition information: by obtaining the GPS positioning information, through the wireless communication module, accessing the real-time road condition API of the map supplier, and obtaining the real-time road condition information of the corresponding road section;

[0067] The mileage information: read the vehicle information data through the vehicle-mounted intelligent terminal to obtain the total mileage, and the difference in the total mileage of a journey is the mileage of this section; or calculate the mileage through GPS data;

[0068] The fuel consumption information: obtain the vehicle internal network bus data through the communication between the vehicle intelligent ter...

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PUM

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Abstract

The invention provides a driving behavior evaluation system which comprises a vehicle-mounted intelligent terminal, a cloud server, a mobile client and a management background. The vehicle-mounted intelligent terminal is used to collect and process vehicle data and transmit the data to the cloud server. The cloud server is provided with a driving risk scoring model which periodically calculates and scores driving data. A user views driving behavior evaluation in the account of the user through the mobile client. An insurance company views the driving behavior evaluation and data details of thecorresponding user through the management background. The system provided by the invention can visually detect and evaluate key driving safety factors, prevents risk understanding rule revising caused by indicators used in a guarantee slip, and reduces the claims cost of an insurance company.

Description

technical field [0001] The invention relates to the field of automotive electronic equipment and insurance applications, in particular to a driving behavior evaluation 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, the vehicle network equipment is used to obtain the driving data of the car owner, analyze the owner's driving habits, driving behavior, mileage and other data, determine the driver's safety level, and give different premium discounts to car owners with different safety levels , is a car insurance with differentiated rates, that is, car UBI (Usage Based Insurance). This differentiated rate is based on...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G07C5/08
CPCG06Q40/08G07C5/0841
Inventor 田雨农于丹吴振毅
Owner DALIAN ROILAND SCI & TECH CO LTD
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