Insurance management system and method based on power battery detection and health condition

Abstract

The invention relates to the technical field of databases, and relates to an insurance management system and method based on power battery detection and health conditions. The method comprises the following steps: acquiring use data of a target power battery on a vehicle, and constructing a power battery use database; obtaining maintenance data of the target power battery from a maintenance enterprise, and constructing a maintenance database; determining a use stage of a target power battery according to the insurance type, calling a target database, and determining target data; evaluating the insurance value of the target power battery according to target data to obtain a first evaluation value; acquiring a plurality of second evaluation values of a plurality of insurance companies on the target power battery under the insurance type; and comparing and displaying the first evaluation value and the plurality of second evaluation values. According to the invention, detection data, use data, maintenance data and the like which influence power battery insurance are managed, and a first evaluation value of insurance premium is scientifically and reasonably given and is comprehensively compared with a second evaluation value provided by an insurance company.

Description

Technical Field

[0001] The present invention relates to the field of database technology, and in particular to an insurance management system and method based on power battery detection and health status. Background Art

[0002] New energy vehicle power battery is one of the core components of electric vehicles. It is responsible for converting electrical energy into kinetic energy required for the vehicle to drive the motor. The type, structure, performance indicators, market status and development trend of power batteries have attracted much attention.

[0003] Once the power battery fails or is damaged, it will directly affect the performance and use of new energy vehicles. Power battery insurance can provide financial compensation for various risks that the power battery may encounter during use (such as accidental damage, natural aging, theft, fire or explosion, etc.), thereby reducing the economic losses of car owners.

[0004] At present, vehicle manufacturers are generally equipped with power battery performance management systems, power battery procurement management systems, power battery test management systems, etc., but there is almost no insurance management system for power batteries, which makes the insurance data confusing and difficult to reasonably assess the premiums.

[0005] In view of this, the present invention is proposed. Summary of the invention

[0006] The purpose of the present invention is to provide an insurance management system and method based on power battery detection and health status, so as to manage the detection data, usage data and maintenance data that affect power battery insurance, scientifically and reasonably give a first assessment value of the premium, and make a comprehensive comparison with the second assessment value provided by the insurance company.

[0007] In order to achieve the above object, the present invention adopts the following technical solutions: In a first aspect, the present invention provides an insurance management system based on power battery detection and health status, comprising: An input module, used to obtain the insurance type of the target power battery, wherein the insurance type includes power battery loss insurance, transportation insurance, storage insurance, attenuation insurance, liability insurance and battery replacement insurance; A first interface is used to obtain usage data of the target power battery on the vehicle and to build a power battery usage database; A second interface is used to obtain maintenance data of the target power battery from a maintenance enterprise and build a maintenance database; A database module, used to determine the use stage of the target power battery according to the insurance type; call the corresponding target database according to the use stage, the database including a power battery basic attribute database, a power battery detection database, the power battery use database, the maintenance database and a sales database; An evaluation module, used to index the serial number of the target power battery in a target database to determine target data; and evaluate the insurance value of the target power battery according to the target data to obtain a first evaluation value; A third interface is used to obtain multiple second evaluation values ​​of the target power battery under insurance types from multiple insurance companies; The human-computer interaction interface is used to compare and display the first evaluation value and multiple second evaluation values.

[0008] In a second aspect, the present invention provides an insurance management method based on power battery detection and health status, comprising: Obtaining the insurance type of the target power battery, the insurance type including power battery loss insurance, transportation insurance, storage insurance, attenuation insurance, liability insurance and battery replacement insurance; Acquire usage data of the target power battery on the vehicle and build a power battery usage database; Acquire maintenance data of the target power battery from a maintenance enterprise and build a maintenance database; Determine the use stage of the target power battery according to the insurance type; call the corresponding target database according to the use stage, the database including a power battery basic attribute database, a power battery detection database, the power battery use database, the maintenance database and a sales database; Indexing the serial number of the target power battery in a target database to determine target data; evaluating the insurance value of the target power battery according to the target data to obtain a first evaluation value; Obtaining multiple second evaluation values ​​of the target power battery under insurance types by multiple insurance companies; The first evaluation value and a plurality of second evaluation values ​​are compared and displayed.

[0009] Compared with the prior art, the present invention has the following beneficial effects: The present invention provides a management system dedicated to insurance data. From the perspective of the overall technical process, the system can effectively manage multi-dimensional data that affects power battery premiums. After receiving the power battery number input by the user, the database can be automatically called to obtain the corresponding data; then, based on different insurance types, different databases are called to match different data for different insurance types, so as to accurately evaluate the reasonable premiums of power batteries at different stages of use. In terms of technical details, the system can obtain the usage data of the target power battery on the vehicle, and can obtain maintenance data from maintenance outlets, pre-build a power battery basic attribute database, a power battery detection database and a sales database, and realize the docking of one system with multiple terminals. The evaluation of power battery premiums can be realized through online processes. The system is provided with a human-computer interaction interface, which can simultaneously display the first evaluation value and the second evaluation value, so as to intuitively see the rationality of the insurance company's premium.

[0010] The present invention adopts an insurance management system based on power battery detection and health status, comprehensively considers factors such as power battery characteristics, detection technology and data, vehicle usage, maintenance and replacement costs, market competition and demand, and builds a complete evaluation system. It can achieve scientific and reasonable insurance pricing, provide customers with high-quality insurance services, and also provide strong support for insurance companies' risk management and business development. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0012] Figure 1 It is a structural schematic diagram of an insurance management system based on power battery detection and health status provided by the present invention; Figure 2 It is a flow chart of an insurance management method based on power battery detection and health status provided by the present invention. DETAILED DESCRIPTION

[0013] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0014] The present invention is further described in detail below with reference to the embodiments.

[0015] Example 1 Figure 1 This is a schematic diagram of the structure of an insurance management system based on power battery detection and health status provided by the present invention. The system provided in this embodiment is suitable for managing data affecting power battery premiums, premium assessment and assessment value management. Figure 1 The system includes an input module, a first interface, a second interface, an evaluation module, a third interface and a human-computer interaction interface. The modules, interfaces and interfaces in the system are all implemented by computer codes. The functions of each part are described in detail below.

[0016] The input module is used to obtain the insurance type of the target power battery. Insurance types include power battery loss insurance, transportation insurance, storage insurance, attenuation insurance, liability insurance, and battery replacement insurance.

[0017] In this embodiment, the power battery that needs insurance management this time is called the target power battery. The user can provide the number and insurance type of the target power battery through the input module. For example, multiple insurance types are displayed on the human-computer interaction interface, and the user can select one of them for subsequent operations. Different insurance types correspond to different use stages of the power battery.

[0018] Power battery loss insurance is designed to protect new energy vehicles against power battery loss caused by specific reasons during use.

[0019] Transportation insurance is designed to protect the economic losses caused by accidents, fires, damages, etc. during the transportation of power batteries. Generally, transportation activities occur during the process from the production of power batteries to the vehicle manufacturers, and then transportation insurance is purchased.

[0020] Power battery storage insurance is designed to cover various risks that power batteries may encounter during storage, including but not limited to losses caused by fire, explosion, leakage, theft, natural disasters (such as floods, earthquakes), etc. This insurance can provide financial protection for power battery owners, operators or storage parties to cope with potential losses.

[0021] Power battery degradation insurance is designed to cover the risk of performance degradation or failure of new energy vehicle power batteries due to natural wear and tear, degradation, etc. during use in the vehicle. This type of insurance can provide financial protection for new energy vehicle owners to cope with potential losses caused by power battery degradation.

[0022] Power battery liability insurance aims to compensate for losses caused to third parties due to the power battery's own risks during the use of the power battery. Power battery replacement insurance is designed to cover the costs incurred when a new energy vehicle power battery needs to be replaced due to damage, performance degradation or other reasons during use. This type of insurance can provide financial protection for new energy vehicle owners and reduce the financial burden caused by power battery replacement.

[0023] The first interface is used to obtain the usage data of the target power battery and build a power battery usage database. In one example, the first interface is connected to the same vehicle network as the vehicle equipped with the target power battery. The first interface is connected to the battery management system of the vehicle to obtain the usage data of the target power battery on the vehicle, and the usage data is stored in the power battery usage database with the number of the target power battery as the index. The use environment of the power battery is not limited to the vehicle. Optionally, the usage data includes the total number of charging times, mileage, driving environment, capacity retention status, voltage consistency status, temperature consistency status, internal resistance status, self-discharge rate status, three-level alarm times, two-level alarm times and one-level alarm times. Among them, the first-level alarm, second-level alarm and third-level alarm of the power battery are three levels divided by the battery management system according to the severity of the fault. Each level has its specific countermeasures and precautions to ensure the safe operation and timely maintenance of the battery system.

[0024] The second interface is connected to the maintenance enterprise through communication, and can obtain the maintenance data of the target power battery from the maintenance enterprise through the communication link, and store the maintenance data in the maintenance database with the target power battery number as the index. Optionally, the maintenance data includes the maintenance type and the maintenance enterprise type. The maintenance type includes repairing the battery and replacing the battery. The maintenance enterprise types include 4S stores, specialized repair shops, and comprehensive repair shops. There are certain differences in the labor hour prices for battery repair and replacement for each type of maintenance enterprise.

[0025] The database module is used to maintain multiple databases. The multiple databases include a power battery basic attribute database, a power battery detection database, a power battery usage database, a maintenance database, and a sales database. Among them, the power battery basic attribute database also uses the power battery number as an index, including battery pack manufacturer, battery specification model, battery cell manufacturer, energy density, battery cell model, battery production date, battery type, nominal voltage, rated capacity, rated mass, positive electrode material, negative electrode material, number of modules, number of monomers, series-parallel mode, battery cooling method, and battery-specific technology. The power battery detection database also uses the power battery number as an index, including battery specification model, discharge capacity, open circuit voltage, operating voltage, charge and discharge current, resistance, output power, charge and discharge energy efficiency, number of cycles, and electrical parameters in various states (such as charge and discharge current, power, etc.), including overcharge state, over discharge state, short circuit state, puncture state, extrusion state, drop state, high temperature state, low temperature state, wet heat state, combustion state, salt spray state, and flooding state. The test data in the power battery test database is the data obtained by testing the power battery with special equipment before the power battery is installed on the vehicle. The sales database includes the power battery sales volume and power battery brand in different sales regions, and uses the power battery brand as the index. For example, the sales volume of brand A power battery in region B is 1,000 units.

[0026] The database module determines the use stage of the target power battery according to the insurance type. The corresponding target database is called according to the use stage. For the convenience of description and distinction, the database corresponding to the use stage is referred to as the target database in this embodiment.

[0027] For example, for transportation insurance and storage insurance, the use phase of the power battery is determined to be after production and before it is installed in the vehicle, during which no use data, maintenance data, and sales data of the power battery on the vehicle will be generated. Therefore, the corresponding target databases are: power battery basic attribute database and power battery detection database.

[0028] For power battery loss insurance and attenuation insurance, the usage stage of the power battery is determined as after it is installed on the vehicle and the power battery has not been replaced. The corresponding target databases are: power battery basic property database, power battery detection database, the power battery usage database, the maintenance database (only including maintenance data of repaired batteries) and sales database.

[0029] For liability insurance, the use stage of the power battery is determined as the production and use stage, and the corresponding target databases are: power battery basic attribute database, power battery detection database, power battery use database, the maintenance database (only including the maintenance data of repaired batteries) and sales database.

[0030] For battery swap insurance, the usage stage of the power battery is determined as after it is installed on the vehicle and the power battery is replaced. The corresponding target databases are: power battery basic property database, power battery detection database, power battery usage database, maintenance database (only includes maintenance data of battery replacement) and sales database.

[0031] The evaluation module is used to index the serial number of the target power battery in the target database to determine the target data; and evaluate the insurance value of the target power battery according to the target data to obtain a first evaluation value. For the convenience of description and distinction, the value of the insurance value (i.e., premium) obtained by evaluating the target data is referred to as the first evaluation value.

[0032] Specifically, assuming that the target database includes a power battery basic attribute database, the first unit in the evaluation module responds to the target power battery number input by the user, matches it in the power battery basic attribute database, obtains the basic attributes of the target power battery (such as material type and energy density, etc.), and determines the original value of the target power battery based on the basic attributes. The original value is the most basic reference for the premium.

[0033] This embodiment does not limit the method for determining the original value, and the following method can be used: The measurement of the original price of the power battery mainly depends on the type of raw materials of the battery (nickel, cobalt, lithium) and the battery pack. When comparing power batteries from different manufacturers or different models, the price of the battery pack can be used as an important reference. In addition, energy density refers to the energy stored per unit volume or unit weight of the battery system. Generally speaking, the higher the system energy density, the more energy a battery of the same volume or weight can provide, and the longer the range of the electric vehicle. Therefore, the higher the energy density, the higher the original price of the power battery.

[0034] Assuming that the target database includes a power battery detection database, the second unit in the evaluation module responds to the number of the target power battery input by the user, matches it in the power battery detection database, and obtains the detection data of the target power battery (such as open circuit voltage, operating voltage, etc.); then, the safety performance of the target power battery is determined based on the matched detection data.

[0035] Specifically, in one embodiment, a safety evaluation model (for example, a multivariate linear regression model or a neural network model) is pre-built, and the test data: discharge capacity, number of cycles, open circuit voltage and output power are input into the safety evaluation model. The model outputs the safety level of the power battery under the current number of cycles: level 1, level 2, level 3, level 4 and level 5. The higher the level, the higher the safety. Before using the safety evaluation model, it is necessary to train the safety evaluation model with training samples. The training samples are the test data of different power batteries and the safety level labels of the power batteries, which can be annotated by experts. In another embodiment, the current battery capacity, battery cycle life, battery stability, etc. are analyzed according to the test data. Then the safety level is assessed according to the results of the analysis. For example, if the current battery capacity is low and the stability is poor, the safety level is level 1, and if the current battery capacity is high, the battery cycle life is 10 years and the battery stability is high, then the safety level is level 5.

[0036] Assuming that the target database includes a power battery usage database, the third unit in the evaluation module responds to the target power battery number input by the user, matches it in the power battery usage database, and obtains the usage data of the target power battery on the vehicle (such as the total number of charging times); then, the risk level of the target power battery is determined based on the usage data obtained by matching.

[0037] Optionally, this embodiment does not limit the specific method of obtaining the risk level based on the usage data. For example, the higher the mileage, the greater the wear and aging of the battery, the higher the probability of failure, and the higher the risk level. The greater the total number of charging times, the greater the attenuation effect on the cycle life of the battery, and the higher the risk level. Different driving environments have different effects on power batteries. For example, harsh environments such as high temperature, low temperature, and humidity will accelerate the aging and damage of the battery, increase the risk of battery damage, and the risk level will be higher. Optionally, the risk level is set to level 1, level 2, level 3, level 4, and level 5, and the higher the level, the greater the risk.

[0038] Assuming that the target database includes a maintenance database, the fourth unit in the evaluation module matches the target power battery number input by the user in the maintenance database, obtains the maintenance type and maintenance enterprise type of the target power battery, and determines the maintenance cost of the target power battery.

[0039] Specifically, if the maintenance type is battery repair, the maintenance cost of the target power battery is determined based on the labor price of the maintenance enterprise type and the maintenance project. For example, the labor price of a 4S shop when performing a maintenance project is 100 yuan / hour, and the corresponding maintenance cost is 100 yuan. Users can choose different maintenance enterprises to calculate different maintenance prices.

[0040] If the repair type is battery replacement, the residual value is determined based on the residual performance of the battery before replacement, and the repair cost is obtained by subtracting the residual value from the replacement cost. Among them, the replacement cost is similar to the repair cost, which is determined by the type of repair company and the price of replacement labor hours. In addition to considering the replacement labor hours, the residual value also needs to be determined based on the residual performance of the battery before replacement. The residual performance includes but is not limited to factors such as the remaining battery life, the remaining number of charges, and the remaining mileage. The lower the residual performance, the lower the residual value.

[0041] Assuming that the target database includes a sales database, the fifth unit in the evaluation module matches the brand of the target power battery input by the user in the sales database, obtains the sales area and sales volume of the target power battery from the sales database, and predicts the value impact parameters of the target power battery.

[0042] Optionally, the region where the target power battery is located is obtained, and the sales volume in the region is obtained from the sales database, and the value impact parameter of the target power battery is determined according to the interval range of the sales volume and the premium discount in the region. If the sales volume of a power battery is high, the premium of the power battery can be reduced. Moreover, different sales regions may have different premium discounts. Based on this, the present embodiment pre-aggregates the premium discounts of different sales regions and the sales volumes of different regions. The interval ranges are set to 0~2000, 2000~5000, and above 5000. The interval range of 0~2000 corresponds to an initial premium discount of 98%, the interval range of 2000~5000 corresponds to an initial premium discount of 95%, and the interval range of 5000 or above corresponds to an initial premium discount of 90%. If the sales volume is 6000, the initial premium discount is 95%, and then multiplied by the premium discount of the sales region (e.g., 93%), the final value impact coefficient (e.g., 88%) is obtained.

[0043] The comprehensive unit in the evaluation module is used to obtain a first evaluation value according to the original value, safety performance, risk level, maintenance cost and value influencing parameter. Specifically, the first coefficient is determined according to the safety performance / safety level, and the second coefficient is determined according to the risk level. The higher the safety performance / safety level, the smaller the first coefficient, and the higher the risk level, the larger the second coefficient. In specific implementation, the corresponding relationship between the safety performance / safety level and the first coefficient, and the corresponding relationship between the risk level and the second coefficient can be pre-set, so as to directly determine the first coefficient and the second coefficient according to the corresponding relationship.

[0044] The first evaluation value F is calculated according to the following formula: F = (i × a × b + c) × d; Among them, i is the original value, a is the first coefficient, b is the second coefficient, c is the maintenance cost, and d is the value impact parameter. The value range of a, b, and d is 0~1.

[0045] When calculating the first evaluation value F, the original value is determined only for the factory parameters of the battery. The first coefficient and the second coefficient are actually tested and used in the vehicle, which will have a certain discount and attenuation on the original value. Therefore, it is necessary to multiply the first coefficient and the second coefficient on the basis of the original value. Then, add the maintenance cost. Specifically, if the maintenance type is to repair the battery, the maintenance cost can be directly added here. If the maintenance type is to replace the battery, the original value is the value of the new battery after replacement, and the second coefficient is 1. Finally, multiply it by the value impact parameter to correct the first evaluation value from a commercial perspective.

[0046] The third interface is connected to the terminal interfaces of multiple insurance companies through communication links, and obtains the second evaluation value of the target power battery under the insurance type from each insurance company from the terminal interface through the communication link to obtain multiple evaluation values. For example, the first insurance company gives a second evaluation value of 20,000 yuan, the second insurance company gives a second evaluation value of 25,000 yuan, and the third insurance company gives a second evaluation value of 18,000 yuan.

[0047] The human-computer interaction interface compares and displays the first evaluation value and multiple second evaluation values. Specifically, a bar graph is used to display the size of the first evaluation value and multiple second evaluation values. The horizontal axis of the bar graph is the evaluation module in each insurance company and this system, and the vertical axis of the bar graph is the evaluation value. Through the bar graph, you can intuitively see the size relationship between the second evaluation value provided by each insurance company and the more scientific and reasonable first evaluation value. Furthermore, based on the size relationship between the first evaluation value and multiple second evaluation values, the adjustment direction of the second evaluation value is fed back to multiple insurance companies. Assuming that the first evaluation value is 19,000 yuan, and the first insurance company gives a second evaluation value of 20,000 yuan, then feedback is given to the first insurance company that "it is recommended to lower the current premium." The third insurance company gives a second evaluation value of 18,000 yuan, then feedback is given to the third insurance company that "it is recommended to increase the current premium."

[0048] In summary of the above embodiments, the present invention provides a management system dedicated to insurance data. From the perspective of the overall technical process, the system can effectively manage multi-dimensional data that affects the premium of power batteries. After receiving the number of the power battery input by the user, the database can be automatically called to obtain the corresponding data; then, based on different insurance types, different databases are called to match different data for different insurance types, so as to accurately evaluate the reasonable premiums of power batteries at different stages of use. In terms of technical details, this system can obtain the usage data of the target power battery on the vehicle, and can obtain maintenance data from maintenance outlets, pre-build a power battery basic attribute database, a power battery detection database and a sales database, and realize the docking of one system with multiple terminals. The evaluation of power battery premiums can be realized through online processes. The system is provided with a human-computer interaction interface, which can simultaneously display the first evaluation value and the second evaluation value, so as to intuitively see the rationality of the insurance company's premium.

[0049] The present invention adopts an insurance management system based on power battery detection and health status, comprehensively considers factors such as power battery characteristics, detection technology and data, vehicle usage, maintenance and replacement costs, market competition and demand, and builds a complete evaluation system. It can achieve scientific and reasonable insurance pricing, provide customers with high-quality insurance services, and also provide strong support for insurance companies' risk management and business development.

[0050] The embodiment of the present invention also provides an insurance management method based on power battery detection and health status, which is executed by the insurance management system based on power battery detection and health status provided by the above embodiment. Figure 2 , including the following operations: S110. Obtain insurance types of the target power battery, where the insurance types include power battery loss insurance, transportation insurance, storage insurance, attenuation insurance, liability insurance, and battery replacement insurance.

[0051] S120: Acquire usage data of the target power battery on the vehicle, and construct a power battery usage database.

[0052] S130: Obtain maintenance data of the target power battery from a maintenance company, and construct a maintenance database.

[0053] S140. Determine the use stage of the target power battery according to the insurance type; call the corresponding target database according to the use stage, the database including a power battery basic attribute database, a power battery detection database, the power battery use database, the maintenance database and the sales database.

[0054] S150, indexing the serial number of the target power battery in a target database to determine target data; and evaluating the insurance value of the target power battery according to the target data to obtain a first evaluation value.

[0055] S160: Obtain multiple second evaluation values ​​of the target power battery under insurance types from multiple insurance companies.

[0056] S170: Compare and display the first evaluation value and multiple second evaluation values.

[0057] The method provided in this embodiment refers to the description in the above system embodiment and will not be repeated here.

[0058] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps recorded in this application can be executed in parallel, sequentially or in different orders, as long as the expected results of the technical solution disclosed in this application can be achieved, and this document is not limited here.

[0059] The above specific implementations do not constitute a limitation on the protection scope of this application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of this application should be included in the protection scope of this application.

Claims

1. An insurance management system based on power battery detection and health status, characterized in that: include: An input module, used to obtain the insurance type of the target power battery, wherein the insurance type includes power battery loss insurance, transportation insurance, storage insurance, attenuation insurance, liability insurance and battery replacement insurance; A first interface is used to obtain usage data of the target power battery on the vehicle and to build a power battery usage database; A second interface is used to obtain maintenance data of the target power battery from a maintenance enterprise and build a maintenance database; A database module, used to determine the use stage of the target power battery according to the insurance type; call the corresponding target database according to the use stage, the database including a power battery basic attribute database, a power battery detection database, the power battery use database, the maintenance database and a sales database; An evaluation module, used to index the serial number of the target power battery in a target database to determine target data; and evaluate the insurance value of the target power battery according to the target data to obtain a first evaluation value; A third interface is used to obtain multiple second evaluation values ​​of the target power battery under insurance types from multiple insurance companies; The human-computer interaction interface is used to compare and display the first evaluation value and multiple second evaluation values.

2. The system according to claim 1, characterized in that The usage data includes total charging times, driving mileage, driving environment, capacity retention status, voltage consistency status, temperature consistency status, internal resistance status, self-discharge rate status, third-level alarm times, second-level alarm times, and first-level alarm times; The maintenance data includes maintenance type and maintenance enterprise type; The sales database includes power battery sales volume and power battery brands in different sales regions.

3. The system according to claim 2, characterized in that The power battery basic attribute database includes power battery number, battery pack manufacturer, battery specification model, battery cell manufacturer, energy density, battery cell model, battery production date, battery type, nominal voltage, rated capacity, rated mass, positive electrode material, negative electrode material, number of modules, number of cells, series-parallel connection mode, battery cooling mode and battery-specific technology; The power battery detection database includes battery specifications, discharge capacity, open circuit voltage, operating voltage, charge and discharge current, resistance, output power, charge and discharge energy efficiency, number of cycles and electrical parameters under various states, including overcharge state, over-discharge state, short circuit state, puncture state, extrusion state, drop state, high temperature state, low temperature state, damp heat state, burning state, salt spray state and flooding state.

4. The system according to claim 1, characterized in that The assessment modules include: The first unit is configured to respond to the serial number of the target power battery input by the user, match the serial number in the power battery basic attribute database, and obtain the basic attribute of the target power battery; and determine the original value of the target power battery according to the basic attribute; A second unit is configured to respond to the serial number of the target power battery input by the user, match the serial number in the power battery detection database, and obtain detection data of the target power battery; and determine the safety performance of the target power battery according to the detection data; A third unit is used for matching the target power battery usage database in response to the target power battery number input by the user, obtaining usage data of the target power battery on the vehicle, and determining the risk level of the target power battery according to the usage data; A fourth unit is used for matching the target power battery number input by the user in the maintenance database, obtaining the maintenance type and maintenance enterprise type of the target power battery, and determining the maintenance cost of the target power battery; A fifth unit is configured to obtain, in response to a brand of a target power battery input by a user, a sales region and a sales volume of the target power battery from the sales database, and predict a value influencing parameter of the target power battery; The comprehensive unit is used to obtain a first evaluation value according to the original value, safety performance, risk level, maintenance cost and value impact parameter.

5. The system according to claim 4, characterized in that The comprehensive unit is specifically used to determine the first coefficient according to the safety performance, determine the second coefficient according to the risk level, and calculate the first evaluation value F according to the following formula: F = (i × a × b + c) × d; Among them, i is the original value, a is the first coefficient, b is the second coefficient, c is the maintenance cost, and d is the value impact parameter.

6. The system according to claim 4, characterized in that The fourth unit is specifically used to determine the maintenance cost of the target power battery according to the labor hour price and maintenance items of the maintenance enterprise type if the maintenance type is battery repair; if the maintenance type is battery replacement, the residual value is determined according to the residual performance of the battery before replacement, and the maintenance cost is obtained by subtracting the residual value from the replacement cost.

7. The system according to claim 4, characterized in that The fifth unit is specifically used to obtain the region where the target power battery is located, and obtain the sales volume in the region from the sales database, and determine the value impact parameter of the target power battery according to the interval range of the sales volume and the product discount in the region.

8. The system according to any one of claims 1 to 7, characterized in that: The human-computer interaction interface is specifically used to display the size of the first evaluation value and multiple second evaluation values ​​using a bar graph; based on the size relationship between the first evaluation value and multiple second evaluation values, the adjustment direction of the second evaluation value is fed back to multiple insurance companies.

9. An insurance management method based on power battery detection and health status, characterized in that: include: Obtaining the insurance type of the target power battery, the insurance type including power battery loss insurance, transportation insurance, storage insurance, attenuation insurance, liability insurance and battery replacement insurance; Acquire usage data of the target power battery on the vehicle and build a power battery usage database; Acquire maintenance data of the target power battery from a maintenance enterprise and build a maintenance database; Determine the use stage of the target power battery according to the insurance type; call the corresponding target database according to the use stage, the database including a power battery basic attribute database, a power battery detection database, the power battery use database, the maintenance database and a sales database; Indexing the serial number of the target power battery in a target database to determine target data; evaluating the insurance value of the target power battery according to the target data to obtain a first evaluation value; Obtaining multiple second evaluation values ​​of the target power battery under insurance types by multiple insurance companies; The first evaluation value and a plurality of second evaluation values ​​are compared and displayed.

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