Method and system for adjusting risk value based on driving mode

Abstract

The invention discloses a method for adjusting a risk value according to a driving mode. The method is applied to a trip computer, an automatic driving module and a judgment module arranged on an automobile. The method comprises the following steps: the trip computer sends a self-driving starting instruction to start the automatic driving module, so that the trip computer is in an automatic driving mode; the trip computer receives a self-driving stopping suggestion message from the judgment module; the trip computer receives a self-driving stopping instruction; and the trip computer sends a self-driving ending instruction to close the automatic driving module, so that the trip computer is in a manual driving mode, and a risk value reducing instruction is generated.

Description

Technical Field

[0001] The present invention relates to a method for adjusting a risk value, and more particularly to a method for adjusting a risk value based on a driving mode. Background Art

[0002] The current use of autonomous driving in cars is progressing rapidly, and many cars have begun to be equipped with different levels of autonomous driving systems. According to the J3016 document published by the Society of Automotive Engineers (SAE) in 2014, autonomous driving (Driving Automation) is divided into levels 0 to 5, where level 0 is no autonomous driving, level 1 is assisted driving, and level 2 and above are autonomous driving. Based on the actual progress of current technology, it is generally equipped with level 2 (partial automation), level 3 (conditional automation), and level 4 (high automation), while level 5 (full automation) has not yet been widely equipped in cars due to the laws and regulations of various countries. When car drivers use level 2, 3, and 4 autonomous driving, they can switch back to manual driving at any time according to the situation.

[0003] Under different circumstances, sometimes autonomous driving is safer than manual driving, and sometimes manual driving is safer than autonomous driving. If car drivers can accurately judge the timing of autonomous driving and manual driving, they can greatly increase safety and reduce accident rates. If insurance companies can identify drivers who are safer in switching decisions between autonomous driving and manual driving, and provide such drivers with more favorable premiums, they will be able to encourage drivers to drive safely and increase their willingness to insure, while reducing the risk of insurance companies paying claims for dangerous driving. Therefore, how to develop a new method and system that can effectively evaluate whether the driver's switching between autonomous driving and manual driving is conducive to driving safety and link it to the calculation of premiums is a subject to be further explored in the present invention. Summary of the invention

[0004] Therefore, an object of the present invention is to provide a method for adjusting the risk value based on the driving mode.

[0005] Therefore, the present invention provides a method for adjusting the risk value based on the driving mode, which is applied to a driving computer of a car, an automatic driving module electrically connected to the driving computer, and a judgment module; the method includes: the driving computer sends a start self-driving command to activate the automatic driving module, so that the driving computer is in an automatic driving mode; the driving computer receives a termination self-driving suggestion message from the judgment module; the driving computer receives a termination self-driving command; and the driving computer sends an end self-driving command to turn off the automatic driving module, so that the driving computer is in a manual driving mode, and generates a risk value reduction command.

[0006] Furthermore, the present invention implements a system for adjusting the risk value based on the driving mode for implementing the above method, comprising a driving computer, an automatic driving module and a judgment module. The driving computer is set in the car, and can send a start self-driving command to enter an automatic driving mode, and an end self-driving command to enter a manual driving mode. The automatic driving module is electrically connected to the driving computer, and can receive the start self-driving command to start, and the end self-driving command to shut down. The judgment module is electrically connected to the driving computer. Among them, when the judgment module sends a self-driving termination suggestion message to the driving computer, and the driving computer receives a self-driving termination command again, the driving computer sends the end self-driving command to shut down the automatic driving module, so that the driving computer is in the manual driving mode, and generates a risk value reduction command.

[0007] In some embodiments of the above invention, the judgment module is an automatic driving module detection unit that records multiple equipment abnormality conditions. When the judgment module determines that the automatic driving module meets one of the equipment abnormality conditions, it sends the self-driving termination suggestion message to the driving computer.

[0008] In some embodiments of the above invention, the judgment module is an environment detection unit that records a plurality of abnormal environmental conditions. When the judgment module determines that the environment of the automobile meets one of the abnormal environmental conditions, the self-driving termination suggestion message is sent to the driving computer.

[0009] In some embodiments of the above invention, the on-board computer stores a risk value corresponding to an insurance item, and when the on-board computer detects the risk value reduction instruction, the on-board computer updates the risk value.

[0010] In some embodiments of the above invention, the on-board computer can also communicate with a remote insurance server that stores multiple risk values. When the on-board computer outputs the risk value reduction instruction and transmits it to the remote insurance server, the remote insurance server updates the risk value corresponding to the on-board computer.

[0011] The method of adjusting the risk value based on the driving mode of the present invention is applied to a driving computer set in a car, an automatic driving module electrically connected to the driving computer, and a judgment module; the method includes: the driving computer is executed in a manual driving mode; the driving computer receives a start self-driving suggestion message from the judgment module; the driving computer receives a start self-driving instruction; and the driving computer sends a start self-driving instruction to start the automatic driving module, so that the driving computer is in an automatic driving mode and generates a risk value reduction instruction.

[0012] In some embodiments of the above invention, the determination module is a human physiological detection unit that records a plurality of disability conditions. When the determination module determines that one of the disability conditions is met, the self-driving start suggestion message is transmitted to the driving computer.

[0013] In some embodiments of the above invention, the judgment module is a historical behavior database unit that records a plurality of behavior patterns. When the judgment module determines that one of the behavior patterns is met, the self-driving start suggestion message is transmitted to the driving computer.

[0014] Compared with the prior art, the method and system for adjusting the risk value based on the driving mode of the present invention prompts the car driver to carefully switch from the automatic driving mode to the manual driving mode or from the manual driving mode to the automatic driving mode at an appropriate time when receiving the message to terminate the self-driving suggestion or the message to start the self-driving suggestion. This not only reduces the occurrence of traffic accidents and lowers the risk value of the car driver or the car, but also reduces the insurance company's claim risk. The car driver is directly motivated by the correct use of the automatic driving mode or the manual driving mode, and then continues to operate the automatic driving mode or the manual driving mode with caution. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] Other features and effects of the present invention will be clearly presented in the embodiments with reference to the accompanying drawings, in which:

[0016] Figure 1 is a block diagram of a hardware device of a first embodiment of a method for adjusting risk value based on driving mode of the present invention;

[0017] Figure 2 is a flow chart of the first embodiment;

[0018] Figure 3 is a block diagram of a hardware device of a second embodiment of the method for adjusting risk value based on driving mode of the present invention;

[0019] Figure 4 is a flow chart of the second embodiment; and

[0020] Figure 5 is a flow chart of a third embodiment of a method for adjusting risk value based on driving mode of the present invention. DETAILED DESCRIPTION

[0021] Before the present invention is described in detail, it should be noted that similar elements are denoted by the same reference numerals in the following description.

[0022] See also Figure 2 FIG. 1 is a diagram showing the main process steps of a first embodiment of a method for adjusting risk value based on driving mode according to the present invention. Figure 1 The system 1 for adjusting the risk value based on the driving mode shown in the figure comprises a vehicle computer 11 , an automatic driving module 12 and a judgment module 13 .

[0023] The driving computer 11 is installed in the car and manages the steering wheel or steering mechanism, accelerator (electric switch) or engine (motor), brake pedal or brake system, front and rear lights, etc. Based on the technical complexity of modern cars, the driving computer 11 is like the brain of the car, managing all input commands and output information of the car operation process. The driving computer 11 can send a self-driving start command to enter an automatic driving mode. According to the different levels of the automatic driving module 12, the degree to which the car driver can indirectly control or monitor the direction and speed of the car; in addition, the driving computer 11 can send a self-driving end command to enter a manual driving mode, that is, the car driver directly determines the direction and speed of the car through the steering wheel, accelerator (electric switch) and brake pedal.

[0024] The driving computer 11 stores a risk value corresponding to an insurance item. In the first embodiment, the risk value is the insurance premium corresponding to the driver of the car or the car and related to the traffic accident, but is not limited thereto, and may also be, for example, the insurance level, the mutual aid feedback amount, etc. When the driving computer 11 detects a risk value reduction instruction corresponding to the return to manual driving mode, the driving computer 11 updates the risk value, such as reducing the insurance premium.

[0025] The automatic driving module 12 is electrically connected to the driving computer 11. The automatic driving module 12 generally includes a dedicated and powerful computer host, multiple cameras or a LiDAR module for detecting the environment, a radar module for detecting the distance of objects, etc., but is not limited thereto. In the first embodiment, the automatic driving module 12 is a level 4 automatic driving. When the car driver starts the car, the driving computer 11 will be started first and enter the manual driving mode by default. The car driver must operate the steering wheel, accelerator (electric switch) and brake pedal to directly control the direction and speed of the car. When the car driver triggers the automatic driving function through a physical button, a virtual button or a voice command, the driving computer 11 sends a start self-driving command to the automatic driving module 12, and the automatic driving module 12 is started to take over the steering wheel, accelerator (electric switch) and brake pedal. The car driver only needs to indirectly control or monitor the direction and speed of the car. Conversely, the automatic driving module 12 can also receive the end self-driving command of the driving computer 11 and shut down, and the driving computer 11 enters the manual driving mode. It should be noted that when the autonomous driving module 12 is turned off, it does not necessarily mean a complete shutdown, but it may also be in standby or on standby.

[0026] The determination module 13 is electrically connected to the driving computer 11 and can send a message of terminating self-driving suggestion to the driving computer 11. The determination module 13 has different construction methods according to actual needs, and examples are as follows:

[0027] The first implementation method: the judgment module 13 is an automatic driving module detection unit that records a plurality of equipment abnormal conditions, for example, implemented in a firmware manner. The equipment abnormal conditions are, for example, failure of one of the cameras, failure of the lidar module, or failure of the radar module of the automatic driving module 12. When the judgment module 13 determines that the automatic driving module 12 meets one of the equipment abnormal conditions, the self-driving suspension suggestion message is sent to the driving computer 11.

[0028] The second implementation method: the judgment module is an environment detection unit that records a plurality of abnormal environment conditions. When the judgment module determines that the environment of the car meets one of the abnormal environment conditions, the self-driving suspension suggestion message is sent to the driving computer.

[0029] Such abnormal equipment conditions include dim light or too bright light in the environment around the car. Since the camera of the automatic driving module 12 has its limits, errors are likely to occur at the limit boundary such as dim light or too bright light. Therefore, when the environment of the car is at the limit boundary, the driver is reminded to be ready to intervene at any time. Such abnormal equipment conditions also include road construction, vehicle accidents, and falling rocks in the environment of the car.

[0030] See also Figure 1 , 2 When the car is started, the driving computer 11 is in the manual driving mode by default. As shown in step S01, the driving computer 11 receives the operation of the car driver and sends the start self-driving instruction to the automatic driving module 12, and the automatic driving module 12 is started as shown in step S02, so that the driving computer is in the automatic driving mode as shown in step S03, and the automatic driving module 12 takes over the steering wheel, accelerator (electric switch) and brake pedal of the car.

[0031] Next, as shown in step S04, when the judgment module 13 is configured in the first or second manner, the judgment module 13 sends the self-driving termination suggestion message to the driving computer 11, so that the driving computer 11 triggers the electrically connected warning light, buzzer or multimedia device as shown in step S05, and prompts the car driver to learn of the self-driving termination suggestion message through visual or auditory effects, so that the car driver can determine whether to terminate the automatic driving.

[0032] If the driver ignores the self-driving suspension suggestion message, the driving computer 11 continues to maintain the automatic driving mode as shown in step S06. This also means that the driver may be facing a higher driving safety risk.

[0033] Back to step S05, if the car driver decides to terminate the automatic driving function by triggering a physical button, a virtual button or a voice command, as shown in step S07, the driving computer 11 receives a termination self-driving command, sends the end self-driving command and turns off the automatic driving module 12 as shown in step S08, so that the driving computer 11 is in the manual driving mode as shown in step S09. At this time, the car driver resumes directly determining the direction and speed of the car through the steering wheel, accelerator (electric switch) and brake pedal. What's more, the driving computer 11 can limit the operable range of the steering wheel, accelerator (electric switch) and brake pedal according to the termination self-driving suggestion message. For example, the accelerator (electric switch) is limited so that the maximum speed of the car can only reach 40 kilometers per hour.

[0034] Next, as shown in step S10, the driving computer 11 generates the risk value reduction instruction because the manual driving mode is restored. In the first embodiment, when the driving computer 11 detects the risk value reduction instruction, the driving computer 11 updates the risk value stored internally, that is, reduces the premium.

[0035] See also Figure 4 FIG. 1 is a diagram showing the main process steps of a second embodiment of the method for adjusting the risk value based on the driving mode of the present invention. Figure 3 The system 1 for adjusting the risk value based on the driving mode is implemented. The system 1 for adjusting the risk value based on the driving mode similarly includes a vehicle computer 11 , an automatic driving module 12 and a judgment module 13 .

[0036] Different from the first embodiment, in the second embodiment, the driving computer 11 does not store the risk value, but stores the risk value in a remote insurance server 2. The remote insurance server 2 is a computer host built by an external manufacturer such as an insurance company, and stores the risk value in a database. The driving computer 11 is connected to the remote insurance server 2 via a wireless Internet. The risk value is the insurance premium corresponding to the driver of the car or the car and related to the traffic accident, and is approved by the insurance company, but is not limited to this, and can also be, for example, the insurance level, mutual aid feedback amount, etc.

[0037] See also Figure 3 , 4 As shown in step S10, when the driving computer 11 generates the risk value reduction instruction, the driving computer 11 sends the risk value reduction instruction to the remote insurance server 2. As shown in step S11, the remote insurance server 2 updates the risk value of the car driver or the car according to the risk value reduction instruction, such as reducing the premium.

[0038] See also Figure 5 FIG. 1 is a diagram showing the main process steps of the third embodiment of the method for adjusting the risk value based on the driving mode of the present invention. Figure 1 The system 1 shown here is implemented to adjust the risk value based on the driving pattern.

[0039] In this embodiment, the determination module 13 can send a self-driving start suggestion message to the driving computer 11. The determination module 13 has different implementation methods according to actual needs, and examples are as follows:

[0040] The first implementation method: the judgment module 13 is a human physiological detection unit that records multiple disability conditions, such as a face recognition module installed next to the rearview mirror, a heart rate detection module or a blood oxygen detection module worn by the driver. When the judgment module 13 determines that one of the disability conditions is met, such as facial flushing, closed eyes, heart rate disorder, low blood oxygen, etc., the self-driving start suggestion message is sent to the driving computer 11.

[0041] The second implementation method: the judgment module 13 is a historical behavior database unit that records multiple behavior patterns, for example, implemented by a microcomputer with memory. When the judgment module 13 determines that one of the behavior patterns is met, such as the microphone module electrically connected to the driving computer 11 repeatedly fails to recognize the voice command of the car driver (suspected of drunken lies) or the multimedia system electrically connected to the driving computer 11 frequently receives the music switching command (not concentrating on monitoring the automatic driving), the start-up self-driving suggestion message is sent to the driving computer 11.

[0042] The above is an example of the construction method of the determination module 13, but it is not limited thereto.

[0043] See also Figure 1 , 5 When the car is started, as shown in step S21, the on-board computer is executed in a manual driving mode.

[0044] Next, as shown in step S22, when the judgment module 13 is in the first or second configuration mode described above, the judgment module 13 sends the self-driving start suggestion message to the driving computer 11, so that the driving computer 11 triggers the electrically connected warning light, buzzer or multimedia device as shown in step S23, and prompts the car driver to know the self-driving start suggestion message with visual or auditory effects, so that the car driver can determine whether to start the automatic driving.

[0045] If the driver ignores the self-driving start suggestion message, the driving computer 11 continues to maintain the manual driving mode as shown in step S24. This also means that the driver may be facing a higher driving safety risk.

[0046] Returning to step S23, if the car driver decides to trigger the automatic driving function through a physical button, a virtual button or a voice command, then as shown in step S25, the on-board computer 11 receives a self-driving start command, and sends a self-driving start command to start the automatic driving module 12 as shown in step S26, so that the on-board computer 11 is in the automatic driving mode as shown in step S27.

[0047] Next, as shown in step S28, the driving computer 11 generates the risk value reduction instruction because the vehicle is switched to the automatic driving mode. When the driving computer 11 detects the risk value reduction instruction, the driving computer 11 updates the risk value stored internally, that is, reduces the insurance premium.

[0048] The above-mentioned premium reduction measures can be transmitted to the driver's mobile phone through the on-board computer. The amount of each reduction can be displayed, and multiple reductions can be accumulated. The reduction amount can also be multiplied by a certain multiple to become marketing feedback points, thereby increasing the driver's willingness to cooperate.

[0049] To determine whether the driver complies with the recommended information, method one is to observe the driving behavior, such as whether the steering wheel, accelerator or brake is turned. Relevant information can be obtained through the on-board computer and the in-car sensors. Method two is to observe the difference in the image of the driver in "automatic driving" or "manual driving". Through probability distribution analysis, for example, judging the angle at which the driver's eyes deviate from the road, the degree to which the hands are away from the steering wheel, etc., it is inferred which situation the driving behavior belongs to. Observation should be carried out for a short period of time after the recommended information is issued.

[0050] In summary, the above embodiments enable the car driver to carefully judge the appropriate time to switch from the automatic driving mode to the manual driving mode or from the manual driving mode to the automatic driving mode when receiving the message to terminate the self-driving suggestion or the message to start the self-driving suggestion, which not only reduces the occurrence of traffic accidents and lowers the risk value of the car driver or the car, but also reduces the insurance company's claim risk; the car driver is directly motivated by the correct use of the automatic driving mode or the manual driving mode, and then continues to operate the automatic driving mode or the manual driving mode with caution, thereby achieving the effect and purpose of the present invention.

[0051] The above is only a specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art can easily think of changes or substitutions within the technical scope disclosed by the present invention, which should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A method for adjusting risk value based on driving mode, applied to a driving computer of a car, an automatic driving module electrically connected to the driving computer, and a judgment module; characterized in that: The method includes: (A) the driving computer sends a start self-driving command to activate the automatic driving module, so that the driving computer is in an automatic driving mode; (B) the driving computer receives a message of suggestion to stop driving from the determination module; (C) the on-board computer receives a command to stop driving; and (D) The on-board computer sends an end-autonomous driving instruction to turn off the automatic driving module, putting the on-board computer in a manual driving mode and generating a risk value reduction instruction.

2. The method for adjusting risk value based on driving mode according to claim 1, characterized in that: The judgment module is an automatic driving module detection unit that records a plurality of equipment abnormality conditions. When the judgment module determines that the automatic driving module meets one of the equipment abnormality conditions, it transmits the self-driving termination suggestion message to the driving computer.

3. The method for adjusting risk value based on driving mode according to claim 1, characterized in that: The judgment module is an environment detection unit that records a plurality of abnormal environment conditions. When the judgment module determines that the environment of the automobile meets one of the abnormal environment conditions, the self-driving termination suggestion message is transmitted to the driving computer.

4. The method for adjusting risk value based on driving mode according to claim 1, characterized in that: The on-board computer stores a risk value corresponding to an insurance item. When the on-board computer detects the risk value reduction instruction, the on-board computer updates the risk value.

5. The method for adjusting risk value based on driving mode according to claim 1, characterized in that: The on-board computer can also communicate with a remote insurance server that stores multiple risk values. When the on-board computer outputs the risk value reduction instruction and transmits it to the remote insurance server, the remote insurance server updates the risk value corresponding to the on-board computer.

6. A system for adjusting risk value based on driving mode, characterized in that: Include: A driving computer, which is installed in the car, can send a start self-driving command to enter an automatic driving mode, and a stop self-driving command to enter a manual driving mode; an automatic driving module, electrically connected to the driving computer, and capable of receiving the start automatic driving instruction to be activated, and the end automatic driving instruction to be deactivated; and A judgment module is electrically connected to the vehicle computer; wherein When the judgment module sends a message of suggesting to terminate the self-driving to the driving computer, and the driving computer receives a command to terminate the self-driving, the driving computer sends the command to end the self-driving and turns off the automatic driving module, so that the driving computer is in the manual driving mode, and generates a risk value reduction command.

7. The system for adjusting risk value based on driving mode according to claim 6, characterized in that: The judgment module is an automatic driving module detection unit that records a plurality of equipment abnormality conditions. When the judgment module determines that the automatic driving module meets one of the equipment abnormality conditions, it transmits the self-driving termination suggestion message to the driving computer.

8. The system for adjusting risk value based on driving mode according to claim 6, characterized in that: The judgment module is an environment detection unit that records a plurality of abnormal environment conditions. When the judgment module determines that the environment of the automobile meets one of the abnormal environment conditions, the self-driving termination suggestion message is transmitted to the driving computer.

9. The system for adjusting risk value based on driving mode according to claim 6, characterized in that: The on-board computer stores a risk value corresponding to an insurance item. When the on-board computer detects the risk value reduction instruction, the on-board computer updates the risk value.

10. The system for adjusting risk value based on driving mode according to claim 6, characterized in that: The on-board computer can also communicate with a remote insurance server that stores multiple risk values. When the on-board computer outputs the risk value reduction instruction and transmits it to the remote insurance server, the remote insurance server updates the risk value corresponding to the on-board computer.

11. A method for adjusting risk value based on driving mode, applied to a driving computer of a car, an automatic driving module electrically connected to the driving computer, and a judgment module; characterized in that: The method includes: (A) The on-board computer is in a manual driving mode; (B) the driving computer receives a self-driving start suggestion message from the determination module; (C) the on-board computer receives a command to initiate self-driving; and (D) The driving computer sends a start self-driving command to activate the automatic driving module, so that the driving computer is in an automatic driving mode and generates a risk value reduction command.

12. The method for adjusting risk value based on driving mode according to claim 11, characterized in that: The judgment module is a human physiological detection unit that records a plurality of disability conditions. When the judgment module determines that one of the disability conditions is met, the self-driving start suggestion message is transmitted to the driving computer.

13. The method for adjusting risk value based on driving mode according to claim 11, characterized in that: The judgment module is a historical behavior database unit that records a plurality of behavior patterns. When the judgment module determines that one of the behavior patterns is met, the self-driving start suggestion message is transmitted to the driving computer.

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