Vehicle insurance premium generation method and device based on dynamic trial calculation

Abstract

The invention relates to a vehicle insurance premium generation method and device based on dynamic trial calculation, and the method comprises the steps: obtaining the basic information of an insured vehicle, and generating a basic insurance premium according to the basic information; obtaining driving area information of the insured vehicle, and generating a first insurance premium according to the driving area information; and taking the first insurance premium as a dynamic insurance premium, and calculating the sum of the basic insurance premium and the dynamic insurance premium as the insurance premium of the insured vehicle. According to the method, the insurance premium can be calculated according to the driving environment, and compared with a traditional insurance premium calculation mode, the method is more objective.

Description

Technical Field

[0001] The present invention relates to the field of insurance technology, and in particular to a method and device for generating vehicle insurance premiums based on dynamic trial calculation. Background Art

[0002] In addition to compulsory traffic insurance, almost every car owner also purchases commercial insurance for their vehicle. The essence of insurance is to provide proactive protection against potential risks. The greater the risk, the more safeguards are needed, and therefore the higher the premium. However, traditional vehicle insurance billing methods generally calculate based on basic vehicle information (such as make, model, age) and historical claims. As long as these parameters remain consistent, the premium remains the same. This is not ideal for infrequent vehicle users, as risks only arise when the vehicle is in use.

[0003] Therefore, some have proposed calculating premiums based on vehicle mileage. Because each driver has different driving habits, and the probability of risk associated with different driving habits varies, for example, a tendency to change lanes and overtake others creates a higher risk, some have proposed using driving habits as a basis for calculating premiums.

[0004] Although these can improve the objectivity of premium calculation, they all focus on the vehicle and the owner, and completely ignore the impact of the driving environment. In fact, the probability of risks arising from different driving environments is also different. Therefore, the current premium calculation method still has the problem of insufficient objectivity. Summary of the Invention

[0005] The purpose of the present invention is to improve the problem of lack of objectivity in the prior art and to provide a method and device for generating vehicle insurance premiums based on dynamic trial calculation.

[0006] In order to achieve the above-mentioned object of the invention, the embodiment of the present invention provides the following technical solutions:

[0007] A method for generating vehicle insurance premiums based on dynamic trial calculation includes the following steps:

[0008] Obtaining basic information of the insured vehicle and generating a basic premium based on the basic information;

[0009] Obtaining driving area information of the insured vehicle and generating a first insurance premium based on the driving area information;

[0010] The first premium is used as a dynamic premium, and the sum of the basic premium and the dynamic premium is calculated as the premium of the insured vehicle.

[0011] In the above scheme, on the one hand, the base premium is generated based on the basic vehicle information. Because different vehicle brands and models have different safety performance and different vehicle ages have different risk factors, generating the base premium based on the basic vehicle information maintains the rationality of the existing premium calculation. On the other hand, the first premium is generated based on the driving area information. Because the risk factors vary depending on the driving area, for example, winding mountain roads have higher risk than urban roads, and grassland roads have lower risk than urban roads, generating the first premium based on the driving area takes into account the impact of the driving environment on driving risk. In other words, the above scheme can improve the objectivity of the premium calculation. Since vehicle information is basically unchanged, the base premium is static, while the driving area may change over time, so the first premium is dynamic.

[0012] In a further optimized solution, the steps are also included: obtaining the driving route information of the insured vehicle and generating a second premium based on the driving route; replacing the first premium as a dynamic premium with: taking the weighted sum of the first premium and the second premium as the dynamic premium.

[0013] Even within the same driving area, different driving routes generate different risks. For example, the risk of a route with crowded vehicles is higher than that of a route with sparse vehicles. Therefore, considering the driving route in addition to the driving area can further improve the objectivity of the premium calculation.

[0014] In a further optimized solution, the steps are also included: obtaining driving behavior information and generating a third premium based on the driving behavior information; replacing the weighted sum of the first premium and the second premium as the dynamic premium with: taking the weighted sum of the first premium, the second premium and the third premium as the dynamic premium.

[0015] Driving behavior information can include any one or more of braking, turning, acceleration, and deceleration. Driving behavior is highly correlated with vehicle risk, with those with good driving habits being less likely to incur risk. Generating a third premium based on driving behavior can further improve the objectivity and accuracy of premium calculations. Furthermore, the dynamic changes in the third premium can encourage vehicle owners to develop better driving habits and reduce the occurrence of traffic accidents.

[0016] In a further optimized scheme, the steps are also included: obtaining the position change and / or engine start time of the insured vehicle on a natural day basis; if the position change is less than the travel threshold, and / or the engine start time is less than the time threshold, the dynamic premium is zero.

[0017] In the above scheme, by collecting the start time or position change of the engine of the insured vehicle, the actual usage time of the vehicle can be accurately quantified, that is, whether the vehicle is driven on that day can be determined. If it is not driven, there is no risk, so the dynamic premium is zero. While improving the objectivity of the premium calculation, it also protects the interests of car owners who use their vehicles less frequently, and then can attract more car owners to buy insurance and reduce economic disputes caused by lack of insurance.

[0018] As a preferred implementation method, the process of generating the first premium based on the driving area information includes: generating the first premium based on the driving area of ​​the day in units of natural days, and when there are multiple driving areas, the first premium is the sum of the premiums of multiple driving areas.

[0019] As a preferred implementation method, the process of generating the second premium based on the driving route information includes: generating the second premium based on the driving route of the day in units of natural days, and when there are multiple driving routes, the first premium is the sum of the premiums of the multiple driving routes.

[0020] In the above two schemes, on the one hand, the date is granularized, and the first premium and the second premium are generated based on each natural day and the driving area and route of the day. This makes the generated premium more objective and accurate from a time perspective; on the other hand, the driving area and route are granularized, and the premium is determined based on different driving areas / routes, that is, the higher the risk, the greater the corresponding premium. This makes the generated premium more objective and accurate from a risk perspective.

[0021] In a further optimized solution, the steps are further included: obtaining weather information of the day in units of natural days, and adjusting the first premium and / or the second premium according to the weather information.

[0022] Driving risks vary depending on the weather; for example, windy and rainy weather presents a higher risk than clear weather. In the above solution, adjusting the first and second premiums based on the weather information of the day can further enhance the objectivity of the premium calculation.

[0023] On the other hand, an embodiment of the present invention further provides a vehicle insurance premium generation device based on dynamic trial calculation, comprising:

[0024] The data collection module is used to collect basic information of the insured vehicle and the driving area information of the insured vehicle;

[0025] A premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, use the first premium as a dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

[0026] On the other hand, an embodiment of the present invention also provides a computer program product, including computer-readable instructions, which, when executed by a processor, implement the steps of the method described in the embodiment of the present invention.

[0027] On the other hand, an embodiment of the present invention also provides a computer-readable storage medium including computer-readable instructions, which, when executed, cause a processor to perform the operations in the method described in the embodiment of the present invention.

[0028] On the other hand, an embodiment of the present invention also provides an electronic device, including: a memory, storing program instructions; a processor, connected to the memory, executing the program instructions in the memory, and implementing the steps in the method described in the embodiment of the present invention.

[0029] Compared with the existing technology, the present invention generates a basic premium based on the basic information of the vehicle on the one hand, and generates a first premium based on the driving area information on the other hand. At the same time, it takes into account the risks brought by the vehicle itself and the risks of the driving environment, which can improve the objectivity of the premium calculation. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the embodiments. It should be understood that the following drawings only illustrate certain embodiments of the present invention and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other relevant drawings can be obtained based on these drawings without making any creative efforts.

[0031] Figure 1 This is a flow chart of a vehicle premium generation method based on dynamic trial calculation provided in Example 1 of the present invention.

[0032] Figure 2 This is a flow chart of a vehicle premium generation method based on dynamic trial calculation provided in Example 2 of the present invention.

[0033] Figure 3 This is a flowchart of a method for generating vehicle insurance premiums based on dynamic trial calculation provided in Example 3 of the present invention.

[0034] Figure 4 This is a flowchart of another method for generating vehicle insurance premiums based on dynamic trial calculation provided in Example 3 of the present invention.

[0035] Figure 5 This is a flow chart of a vehicle premium generation method based on dynamic trial calculation provided in Example 4 of the present invention.

[0036] Figure 6 This is a flow chart of a method for generating vehicle insurance premiums based on dynamic trial calculations provided in Example 5 of the present invention.

[0037] Figure 7 This is a flow chart of a vehicle premium generation method based on dynamic trial calculation provided in Example 6 of the present invention.

[0038] Figure 8 This is a block diagram of the electronic device described in Example 7. DETAILED DESCRIPTION

[0039] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. The components of the embodiments of the present invention generally described and shown in the drawings herein can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present invention provided in the drawings is not intended to limit the scope of the claimed invention, but merely represents selected embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making creative work are within the scope of protection of the present invention. Example 1

[0040] See also Figure 1 In this embodiment, a method for generating vehicle insurance premium based on dynamic trial calculation is provided, comprising the following steps:

[0041] S11, obtaining basic information of the insured vehicle and generating a basic premium based on the basic information.

[0042] The basic information may include any one or more of the following: engine model, make and model of the insured vehicle, and age of the insured vehicle. This basic information can be directly input by the user. Generating a basic premium based on this basic information effectively generates different basic premium amounts based on different vehicle classes, and reference can be made to existing technologies. The basic premium is static, based on the calendar year, and remains fixed within a calendar year.

[0043] S12: Obtain driving area information of the insured vehicle, and generate a first insurance premium according to the driving area information.

[0044] Driving zones are primarily categorized by terrain, as different terrains create different risk factors. For example, plains can be classified as one driving zone, hills as another, and mountains as another. Different driving zones have different risk factors, and therefore, corresponding premiums should also vary.

[0045] As a relatively crude implementation, the insured vehicle's driving area can be determined based on the region corresponding to the license plate number. This is because driving in this region is generally the most common, so using this region to determine the driving area has a certain degree of reliability. In this case, the driving area information can be obtained through user input.

[0046] However, some car owners may drive all over the country and in different driving areas at different times. Therefore, the time can be fine-grained, for example, in months, especially in natural days. In this case, the driving area information can be collected by GPS. If there is only one driving area on a given day, the first premium is generated for that driving area. If there are multiple driving areas (two or more) on a given day, the first premium is the sum of the premiums of multiple driving areas, that is, , Indicates the first premium, is the number of driving areas involved on that day, Represents the premium corresponding to the i-th driving area.

[0047] This situation also exists in life, that is, although there are multiple driving areas on a given day, the time spent in one driving area may be longer and the time spent in another driving area may be shorter. Therefore, in order to further enhance objectivity, when generating the first premium, the premium of each driving area can be assigned a corresponding weight based on the length of driving time in the driving area. That is, the first premium at this time is , Indicates the weight of the premium allocated to the ith driving area according to the driving time. For example, if the driving time in the ith driving area accounts for 1 / 5 of the total driving time on that day, then =1 / 5, and .

[0048] Obviously, there is no particular order in which steps S11 and S12 are executed.

[0049] S13: Use the first premium as a dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

[0050] It is easy to understand that although the basic premium is static and unchanged within a natural year, if it is in months or days, then the basic premium described in step S30 is the total basic premium divided by 12 (in months) or divided by 365 (in days).

[0051] Based on the same inventive concept, this embodiment also provides a vehicle premium generation device based on dynamic calculation, including a data collection module and a premium generation module. The data collection module is used to collect basic information of the insured vehicle and the driving area information of the insured vehicle; the premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, and use the first premium as a dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium of the insured vehicle. Example 2

[0052] See also Figure 2 This embodiment provides another method for generating vehicle insurance premiums based on dynamic trial calculation, including the following steps:

[0053] S21, obtaining basic information of the insured vehicle and generating a basic premium based on the basic information.

[0054] S22: Obtain driving area information of the insured vehicle, and generate a first insurance premium based on the driving area information.

[0055] S23, obtaining the driving route information of the insured vehicle, and generating a second insurance premium according to the driving route.

[0056] The driving route primarily refers to the vehicle's trajectory, which can be captured by GPS. Different driving routes can occur within the same driving area. Even within the same driving area, different driving routes can generate different risks. For example, a crowded route carries a higher risk than a sparsely populated route, and a narrow route carries a higher risk than a wide route. Therefore, the driving route can be factored into the driving area to further enhance the objectivity of premium calculations.

[0057] Similar to driving areas, driving routes can be divided into multiple types, and different types of driving routes correspond to different premiums. When the unit is a natural day, and the day involves multiple types of driving routes, the second premium is the sum of the premiums of multiple driving routes, that is, , Indicates the second premium, is the number of driving routes involved on that day, Represents the premium corresponding to the j-th driving route.

[0058] Similarly, the driving time of different routes may also be different. Therefore, in order to further enhance objectivity, when generating the second premium, the corresponding weight can be assigned to the premium of the route according to the driving time of the route. That is, the second premium at this time is , Indicates the weight of the premium allocated to the jth driving route according to the driving time. For example, if the driving time on the jth driving route accounts for 1 / 5 of the total driving time on that day, then =1 / 5, and .

[0059] S24: Taking a weighted sum of the first premium and the second premium as a dynamic premium, and calculating a sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

[0060] The sum of the weight of the first premium and the weight of the second premium is 1. With respect to accident risk, the division accuracy of the driving route is relatively higher than that of the driving area, so the weight of the second premium can be set higher than the weight of the first premium.

[0061] Obviously, there is no particular order in which steps S21 - S23 are executed.

[0062] Based on the same inventive concept, this embodiment also provides a vehicle premium generation device based on dynamic trial calculation, including a data collection module and a premium generation module. The data collection module is used to collect basic information of the insured vehicle, the driving area information and the driving route information of the insured vehicle on each natural day; the premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, generate a second premium based on the driving route, and take the weighted sum of the first premium and the second premium as the dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium of the insured vehicle.

[0063] At the same time, this embodiment also provides a vehicle premium generation system based on dynamic trial calculation, including a first data acquisition terminal and a server, and the first data acquisition terminal is connected to the server network.

[0064] The first data collection terminal is used to collect driving area information and / or driving route information and transmit it to the server. The server generates a first premium based on the driving area information and a second premium based on the driving route information, and can deduct the first premium and / or second premium from the pre-paid premium. Example 3

[0065] See also Figure 3 This embodiment provides another method for generating vehicle insurance premiums based on dynamic trial calculation, including the following steps:

[0066] S31, obtaining basic information of the insured vehicle and generating a basic premium based on the basic information.

[0067] S32: Obtain driving area information of the insured vehicle, and generate a first insurance premium based on the driving area information.

[0068] S33: Obtain the driving route information of the insured vehicle and generate a second insurance premium based on the driving route.

[0069] S34: Obtain driving behavior information, and generate a third insurance premium based on the driving behavior information.

[0070] Driving behavior information can include any one or more of braking, turning, accelerating, decelerating, holding a phone, smoking, and wearing a seatbelt. Braking, turning, accelerating, and decelerating are categorized as acute and normal, with the acute category having a higher risk than the normal category. Holding a phone, smoking, and wearing a seatbelt are categorized as not performed and performed, with the performed category having a higher risk than the not performed category. Braking, turning, accelerating, and decelerating information can be collected by the vehicle's OBD system, while holding a phone, smoking, and wearing a seatbelt can be collected by a camera.

[0071] There are many ways to generate the third premium based on the driving behavior information. For example, the items involved in the driving behavior information can be combined, and different premiums can be assigned to different combinations. Then, the corresponding premium can be generated as the third premium based on the combination involved on that day.

[0072] S35 , taking the weighted sum of the first premium, the second premium, and the third premium as the dynamic premium, and calculating the sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

[0073] Relatively speaking, the risk caused by driving behavior is higher than the risk caused by driving area and driving route. Therefore, when configuring weights, the weight of the third premium can be higher than the weights of the first and second premiums.

[0074] See also Figure 4 Based on the same inventive concept, in another embodiment, this embodiment also provides another method for generating vehicle insurance premiums based on dynamic trial calculation, comprising the following steps:

[0075] S41, obtaining basic information of the insured vehicle and generating a basic premium based on the basic information.

[0076] S42: Obtain driving area information of the insured vehicle, and generate a first insurance premium based on the driving area information.

[0077] S43: Obtain driving behavior information, and generate a third insurance premium based on the driving behavior information.

[0078] S44: Taking the weighted sum of the first premium and the third premium as the dynamic premium, and calculating the sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

[0079] Obviously, there is no particular order in which steps S31 - S34 and S41 - S43 are executed.

[0080] Based on the same inventive concept, this embodiment also provides a vehicle premium generation device based on dynamic trial calculation, including a data collection module and a premium generation module. The data collection module is used to collect basic information of the insured vehicle, driving area information, driving route information and driving behavior information of the insured vehicle on each natural day; the premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, generate a second premium based on the driving route, generate a third premium based on the driving behavior information, and take the weighted sum of the first premium, the second premium and the third premium as the dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium of the insured vehicle.

[0081] Similarly, there may be another structure of a vehicle premium generation device based on dynamic calculation, including a data collection module and a premium generation module, the data collection module is used to collect basic information of the insured vehicle, the driving area information and driving behavior information of the insured vehicle on each natural day; the premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, generate a third premium based on the driving behavior information, and take the weighted sum of the first premium and the third premium as a dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium of the insured vehicle.

[0082] At the same time, this embodiment also provides a vehicle premium generation system based on dynamic trial calculation, including a first data acquisition terminal, a second data acquisition terminal and a server, and the first data acquisition terminal and the second data acquisition terminal are both connected to the server network.

[0083] The first data collection terminal is used to collect driving area information and / or driving route information and transmit it to the server. The second data collection terminal is used to collect driving behavior data and transmit it to the server. The server generates a first premium based on the driving area information, a second premium based on the driving route information, and a third premium based on the driving behavior data. The server may deduct the first premium and / or the second premium and the third premium from the prepaid premium. Example 4

[0084] See also Figure 5 This embodiment provides another method for generating vehicle insurance premiums based on dynamic trial calculation, including the following steps:

[0085] S51, obtaining basic information of the insured vehicle and generating a basic premium based on the basic information.

[0086] S52, taking natural days as units, obtain the position change of the insured vehicle on the day and / or the engine start time; if the position change is less than the travel threshold, and / or the engine start time is less than the time threshold, the dynamic premium is assigned to zero, and then enters step S54, otherwise enters step S53.

[0087] If the engine start time is too short or the position change is too small, it indicates that the vehicle was not actually driven. For example, the engine may have been started only for inspection, or the vehicle may have started the engine and driven a short distance but then canceled its use plan. Therefore, collecting position change or engine start time can be used to detect whether the vehicle is actually in use. Combining these two methods can enhance the reliability of the detection results. The engine start time can be collected by a timer starting at engine start, the engine start status can be collected by the vehicle's onboard device (OBD), and the vehicle's position change can be calculated by collecting GPS location information.

[0088] If the car is not used, there is no risk, and if there is no risk, no premium is charged, so the dynamic premium is assigned to zero. This achieves the goal of only incurring premiums when the car is used, protecting the interests of car owners who use their vehicles less frequently, and then encouraging more car owners to purchase insurance, thereby reducing financial disputes after accidents and alleviating financial pressure on car owners.

[0089] S53, obtaining the driving area information of the insured vehicle, generating a first premium according to the driving area information, and using the first premium as a dynamic premium, and then entering step S54.

[0090] S54: Calculate the sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

[0091] It should be noted that the above-mentioned step S53 is executed after step S52. When the vehicle is not actually in use, step S53 is not executed directly. The advantage is that it can reduce the amount of data processing and save processing time. However, in theory, step S53 can also be executed when the vehicle is not actually in use, which does not affect the result of generating the premium.

[0092] Similarly, the means of the above step S52 are also applicable to the technical solutions in the above embodiments 2-3, and will not be explained one by one here.

[0093] Based on the same inventive concept, this embodiment also provides a vehicle premium generation device based on dynamic trial calculation, including a data collection module and a premium generation module. The data collection module is used to collect basic information of the insured vehicle, the driving area information of the insured vehicle on each natural day, the position change on the day and / or the engine start time; the premium generation module is used to generate a basic premium based on the basic information, and determine whether the position change is less than the travel threshold, and / or whether the engine start time is less than the time threshold. If so, the basic premium is used as the premium of the insured vehicle; otherwise, a first premium is generated according to the driving area information, and the first premium is used as the dynamic premium. The sum of the basic premium and the dynamic premium is calculated as the premium of the insured vehicle.

[0094] The data collection module and the premium generation module can also perform other operations. Please refer to the relevant steps of the corresponding methods.

[0095] At the same time, this embodiment also provides a vehicle premium generation system based on dynamic trial calculation, including a first data acquisition terminal and a server, and the first data acquisition terminal is connected to the server network.

[0096] The first data collection terminal is used to collect driving area information and position change, and transmit it to the server. The server generates a first premium based on the position change and driving area information, and can deduct the first premium from the prepaid premium.

[0097] In another solution, a third data collection terminal may be included to collect the engine start time. In this case, the server may also generate the first premium based on the engine start time and the driving area information. Example 5

[0098] See also Figure 6 This embodiment provides another method for generating vehicle insurance premiums based on dynamic trial calculation, including the following steps:

[0099] S61, obtaining basic information of the insured vehicle and generating a basic premium based on the basic information.

[0100] S62: Obtain driving area information of the insured vehicle, and generate a first insurance premium based on the driving area information.

[0101] S63: Obtain weather information of the day in units of natural days, and adjust the first premium according to the weather information.

[0102] Different weather conditions create different risks for driving. For example, the risk is higher in rainy weather than in sunny weather, so the first premium may need to be increased. Adjusting the first premium based on weather information can involve assigning a weight to the first premium. For example, the first premium for sunny weather may have a weight of 1, while the first premium for rainy weather may have a weight of 1.2. Weather information can be obtained from a weather station.

[0103] S64: Using the adjusted first premium as the dynamic premium, the sum of the basic premium and the dynamic premium is calculated as the premium for the insured vehicle.

[0104] Similarly, the means of the above step S63 are also applicable to the technical solutions in the above embodiments 2-4, and will not be explained one by one here.

[0105] Based on the same inventive concept, this embodiment also provides a vehicle premium generation device based on dynamic trial calculation, including a data collection module and a premium generation module. The data collection module is used to collect basic information of the insured vehicle, the driving area information and weather information of the insured vehicle on each natural day; the premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, adjust the first premium based on the weather information, and use the adjusted first premium as the dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium of the insured vehicle.

[0106] At the same time, this embodiment also provides a vehicle premium generation system based on dynamic trial calculation, including a first data acquisition terminal, a fourth data acquisition terminal and a server, and the first data acquisition terminal and the fourth data acquisition terminal are both connected to the server network.

[0107] The first data collection terminal is used to collect driving area information and transmit it to the server. The server generates a first insurance premium based on the driving area information.

[0108] The fourth data collection terminal is used to collect weather information and transmit it to the server. The server adjusts the first premium based on the weather information and can deduct the adjusted first premium from the prepaid premium. Example 6

[0109] See also Figure 7 This embodiment provides another method for generating vehicle insurance premiums based on dynamic trial calculation, including the following steps:

[0110] S71, obtaining basic information of the insured vehicle and generating a basic premium based on the basic information.

[0111] S72: Obtain driving area information of the insured vehicle, and generate a first insurance premium based on the driving area information.

[0112] S73: Obtain battery charging information of the insured vehicle, and generate a fourth insurance premium based on the battery charging information.

[0113] Battery charging information can include the number of charges within a certain time period (which can be a calendar day), the duration of each charge, and the remaining battery charge before each charge. This information can be collected by sensors and timers. New energy electric vehicles are typically equipped with sensors to collect the remaining battery charge and charging status. Based on the charging status, a timer can be used to determine the duration and number of charges. For new energy electric vehicles, battery life directly affects vehicle performance, which in turn affects the probability of an accident. Charging habits directly affect battery life, so different charging habits lead to different risk factors.

[0114] The items involved in the battery charging information may be combined, and different premiums may be assigned to different combinations. Then, corresponding premiums may be generated according to the involved combinations as the fourth premium.

[0115] S74: Taking the weighted sum of the first premium and the fourth premium as the dynamic premium, and calculating the sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

[0116] Similarly, the means of the above-mentioned step S74 are also applicable to the technical solutions in the aforementioned embodiments 2-5, and will not be explained one by one here.

[0117] Based on the same inventive concept, this embodiment also provides a vehicle premium generation device based on dynamic trial calculation, including a data collection module and a premium generation module. The data collection module is used to collect basic information of the insured vehicle, the driving area information of the insured vehicle on each natural day, and the battery charging information; the premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, generate a fourth premium based on the battery charging information, and take the weighted sum of the first premium and the fourth premium as the dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium of the insured vehicle.

[0118] At the same time, this embodiment also provides a vehicle premium generation system based on dynamic trial calculation, including a first data acquisition terminal, a fifth data acquisition terminal and a server, and the first data acquisition terminal and the fifth data acquisition terminal are both connected to the server network.

[0119] The first data collection terminal is used to collect driving area information and transmit it to the server. The server generates a first insurance premium based on the driving area information.

[0120] The fifth data collection terminal is used to collect battery charging information and transmit it to the server. The server generates a fourth insurance premium based on the battery charging information and can deduct the first and fourth insurance premiums from the prepaid insurance premium.

[0121] The vehicle premium generation system based on dynamic trial calculation involved in the above embodiments 2-6 may also include an input device for inputting basic information of the insured vehicle. The server may also generate a basic premium based on the basic information and deduct the basic premium from the prepaid premium. Example 7

[0122] like Figure 8 As shown, this embodiment provides an electronic device, which may include a processor 51 and a memory 52, wherein the memory 52 is coupled to the processor 51. It should be noted that this figure is exemplary, and other types of structures may be used to supplement or replace this structure.

[0123] like Figure 8 As shown, the electronic device may further include: an input unit 53, a display unit 54 and a power supply 55. It is worth noting that the electronic device does not necessarily have to include Figure 8 In addition, electronic devices may also include Figure 8 For components not shown, reference may be made to the prior art.

[0124] The processor 51 is sometimes also called a controller or an operation control, and may include a microprocessor or other processor devices and / or logic devices. The processor 51 receives inputs and controls the operations of various components of the electronic device.

[0125] The memory 52 may be, for example, one or more of a cache, flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory, or other suitable devices, and may store information such as the configuration information of the processor 51, instructions executed by the processor 51, and recorded table data. The processor 51 may execute programs stored in the memory 52 to implement information storage or processing. In one embodiment, the memory 52 also includes a buffer memory to store intermediate information.

[0126] The input unit 53 is used to provide information about various calculations to the processor 51. The display unit 54 is used to display various calculation results during the processing. The display unit can be, for example, an LCD display, but the present invention is not limited thereto. The power supply 55 is used to provide power to the electronic device.

[0127] An embodiment of the present invention further provides a computer-readable instruction, wherein when the instruction is executed in an electronic device, the program causes the electronic device to execute the operating steps included in the method of the present invention.

[0128] An embodiment of the present invention further provides a storage medium storing computer-readable instructions, wherein the computer-readable instructions enable an electronic device to execute the operation steps included in the method of the present invention.

[0129] Those skilled in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the above description has generally described the composition and steps of each example according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0130] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the portion that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions for causing a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes various media that can store program code, such as a USB flash drive, a mobile hard drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.

[0131] In the several embodiments provided in this application, it should be understood that the disclosed system can be implemented in other ways. For example, the system embodiments described above are merely illustrative. For example, the module division is merely a logical functional division. In actual implementation, other division methods may be used, such as combining or integrating multiple modules or components into another system, or ignoring or not implementing certain features.

[0132] The above description is only a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any technician familiar with this technical field can easily think of changes or replacements within the technical scope disclosed by the present invention, which should be covered by the scope of protection of the present invention.

Claims

1. A method for generating vehicle insurance premium based on dynamic trial calculation, characterized in that: The following steps are involved: Obtaining basic information of the insured vehicle and generating a basic premium based on the basic information; Obtaining driving area information of the insured vehicle and generating a first insurance premium based on the driving area information; The first premium is used as a dynamic premium, and the sum of the basic premium and the dynamic premium is calculated as the premium of the insured vehicle.

2. The method according to claim 1, characterized in that The method also includes the steps of: obtaining the driving route information of the insured vehicle and generating a second premium based on the driving route; replacing the first premium as a dynamic premium with: taking the weighted sum of the first premium and the second premium as the dynamic premium.

3. The method according to claim 2, characterized in that It also includes the steps of: obtaining driving behavior information, and generating a third premium based on the driving behavior information; replacing the weighted sum of the first premium and the second premium as the dynamic premium with: taking the weighted sum of the first premium, the second premium and the third premium as the dynamic premium.

4. The method according to any one of claims 1 to 3, characterized in that It also includes the steps of: obtaining the position change and / or engine start time of the insured vehicle on a natural day basis; if the position change is less than the travel threshold, and / or the engine start time is less than the time threshold, the dynamic premium is zero.

5. The method according to claim 1, wherein The process of generating the first premium according to the driving area information includes: generating the first premium according to the driving area on that day in units of natural days, and when there are multiple driving areas, the first premium is the sum of the premiums of the multiple driving areas.

6. The method according to claim 2, characterized in that The process of generating the second premium based on the driving route information includes: generating the second premium based on the driving route of the day in units of natural days, and when there are multiple driving routes, the first premium is the sum of the premiums of the multiple driving routes.

7. A vehicle insurance premium generating device based on dynamic trial calculation, characterized in that: include: The data collection module is used to collect basic information of the insured vehicle and the driving area information of the insured vehicle; A premium generation module is used to generate a basic premium based on the basic information, generate a first premium based on the driving area information, use the first premium as a dynamic premium, and calculate the sum of the basic premium and the dynamic premium as the premium for the insured vehicle.

8. A computer program product comprising computer-readable instructions, characterized in that: When executed by a processor, the computer-readable instructions implement the steps of the method for generating vehicle insurance premium based on dynamic trial calculation according to any one of claims 1 to 6.

9. A computer-readable storage medium comprising computer-readable instructions, characterized in that: When executed by a processor, the computer-readable instructions implement the steps of the method for generating vehicle insurance premium based on dynamic trial calculation according to any one of claims 1 to 6.

10. An electronic device, characterized in that: include: Memory, which stores program instructions; The processor is connected to the memory and executes the program instructions in the memory to implement the steps in the vehicle premium generation method based on dynamic trial calculation described in any one of claims 1 to 6.

Images