Battery health-based vehicle insurance assessment and pricing system

Abstract

This invention provides a vehicle insurance assessment and pricing system based on battery health, comprising a battery health analysis device and a remote underwriting risk analysis device. The battery health analysis device is installed on a charging station and includes a sensing module and a battery risk calculation module. The sensing module senses battery charging data. The battery risk calculation module generates a fused battery health score based on the battery charging data. The remote underwriting risk analysis device includes a dynamic battery risk calculation module and an underwriting pricing module. The dynamic battery risk calculation module generates a battery health degradation rate based on the fused battery health score and historical fused battery health scores, calculates its percentile ranking within a vehicle benchmark group, and generates a dynamic battery risk index, which in turn causes the underwriting pricing module to generate the vehicle insurance premium.

Claims

1. A vehicle insurance assessment and pricing system based on battery health, comprising: a battery health analysis device installed on a charging pile, and further comprising: a sensing module for sensing battery charging data of a vehicle when its battery is connected to the charging pile; and a battery risk calculation module connected to the sensing module for generating a fused battery health (Fused State of Health, Fused-SOH) and a risk score based on the battery charging data; and a remote underwriting risk analysis device remotely connected to the battery health analysis device, the remote underwriting risk analysis device further comprising: a database for storing a plurality of historical fused battery health values ​​of the vehicle and a vehicle benchmarking group; A dynamic battery risk calculation module is used to generate a battery health degradation rate based on the health of the fused battery and the health of the historical fused batteries, and to analyze the percentile ranking of the battery health degradation rate in the vehicle benchmark group to generate a dynamic battery risk index; and an underwriting pricing module is connected to the dynamic battery risk calculation module to generate a vehicle insurance premium based on the dynamic battery risk index.

2. The vehicle insurance assessment and pricing system based on battery health, as described in claim 1, wherein the battery charging data sensed by the sensing module includes voltage data, current data, and temperature data in a time series.

3. The vehicle insurance assessment and pricing system based on battery health as described in claim 1, wherein the battery risk calculation module further includes an equivalent circuit model to output physical data in response to the battery charging data, wherein the physical data includes an internal resistance, a polarization parameter, a state of charge (SOC), and a battery health (SOH).

4. The vehicle insurance assessment and pricing system based on battery health, as described in claim 3, wherein the battery risk calculation module further includes a lightweight machine learning model for inferring a battery degradation characteristic based on the battery charging data.

5. As in claim 4, the vehicle insurance assessment and pricing system based on battery health, wherein the remote underwriting risk analysis device further includes an electrochemical model and a machine learning module. The database is used to store multiple real vehicle data and multiple historical vehicle battery detection data. The electrochemical model is used to generate multiple simulated battery data based on the real vehicle data. The machine learning module is used to train a master machine learning model on the simulated battery data and the historical vehicle battery detection data, compress the master machine learning model using knowledge distillation technology to generate a lightweight machine learning model, and deploy the lightweight machine learning model to the charging pile.

6. The vehicle insurance assessment and pricing system based on battery health, as described in claim 4, wherein the battery risk calculation module further includes an integrated sub-module for generating the fused battery health and the risk score based on the physical data and the battery degradation characteristics.

7. As in Request 1, the vehicle insurance assessment and pricing system based on battery health, wherein the dynamic battery risk calculation module is used to analyze the percentile ranking of the integrated battery health in the vehicle benchmark group to generate the dynamic battery risk index.

8. The vehicle insurance assessment and pricing system based on battery health as described in Request 1, wherein the database is further used to store policyholder information for one of a plurality of policyholders and driving habit data, the policyholder information including a historical vehicle insurance premium record and a historical accident record.

9. The vehicle insurance assessment and pricing system based on battery health, as described in Request 8, wherein the underwriting and pricing module generates a vehicle insurance premium based on the historical vehicle insurance premium record and generates a dynamic premium adjustment suggestion based on the dynamic battery risk index and the historical accident record to adjust the vehicle insurance premium.

10. The vehicle insurance assessment and pricing system based on battery health, as described in claim 1, wherein the battery risk calculation module is used to integrate the battery health and the risk score into an analysis report and transmit the analysis report to the vehicle.

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