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Risk monitoring system of automobile insurance

A risk monitoring and automobile technology, applied in the field of risk monitoring system of automobile insurance, can solve problems such as lack of real-time communication channels for drivers, lack of fairness in insurance premium pricing, and lack of risk accident prevention and mitigation.

Inactive Publication Date: 2013-06-12
郁佳敏
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Since the risk detection system of this kind of auto insurance does not monitor and track the insured vehicle, driver and driving environment in real time, it cannot monitor and evaluate the risk of auto insurance in real time, and the pricing of insurance premiums is not fair.
At the same time, the existing auto insurance risk detection system lacks a channel for real-time communication with the driver, and lacks disaster prevention and mitigation for risky accidents

Method used

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  • Risk monitoring system of automobile insurance
  • Risk monitoring system of automobile insurance
  • Risk monitoring system of automobile insurance

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0074] Risk monitoring system for auto insurance, such as figure 1 shown, including on-board risk monitoring equipment and risk monitoring center;

[0075] The vehicle-mounted risk monitoring equipment is connected to the Internet through a wireless communication network; the wireless communication network can be network standards such as GPRS, EDGE, CDMA1X, CDMA2000, WCDMA, TD-SCDMA, TD-SCDMA or TD-LTE;

[0076] The on-vehicle risk monitoring device is used to assemble on a car, collect the risk data of the assembled car, and send the risk data of the assembled car to the risk monitoring center;

[0077] The risk monitoring center includes a risk assessment server and a risk database server;

[0078] The risk assessment server and the risk database server are connected to the Internet; preferably, the risk assessment server and the risk database server are connected to the Internet in a wired manner;

[0079] the risk assessment server communicates with the risk database se...

Embodiment 2

[0083] Based on the first embodiment, the risk database server is also used to store the insurance policy underwriting and claim settlement historical data, insurance accident risk index, and insurance premium pricing of the automobile;

[0084] The risk assessment server is used to output the insurance accident risk index and insurance premium pricing of the car to the vehicle-mounted risk data of the car according to the real-time collected risk data of the car and the historical data of insurance policy underwriting and claim settlement of the car. Monitoring equipment and the risk database server.

Embodiment 3

[0086] Based on the second embodiment, the risk monitoring center further includes an insurance policy server;

[0087] the policy server communicates with the risk database server;

[0088] The policy server is used to store historical data of insurance policy underwriting and claim settlement, and send the stored historical data of insurance policy underwriting and claim settlement to the risk database server.

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PUM

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Abstract

The invention discloses a risk monitoring system of automobile insurance. The risk monitoring system of the automobile insurance comprises a vehicle-mounted risk monitoring device and a risk monitoring center which are accessed to the internet. The vehicle-mounted risk monitoring device is used for collecting risk data of an assembled vehicle and sending the data to the risk monitoring center which comprises a risk assessment server and a risk database server which is used for storing the risk data of the assembled vehicle, wherein the risk data is sent by each vehicle-mounted risk monitoring device. The risk assessment sever is used for outputting an insurance accident risk index of the vehicle and / or outputting premium pricing of the vehicle to the vehicle-mounted risk monitoring device assembled by the vehicle according to the risk data which is collected in a real time mode. The risk monitoring system of the automobile insurance is capable of monitoring and evaluating the risk of the automobile insurance.

Description

technical field [0001] The invention relates to information and automation technology, in particular to a risk monitoring system for automobile insurance. Background technique [0002] Existing auto insurance risk detection systems usually only consider underwriting and claims record information, and do not monitor and track the insured vehicle, driver, and driving environment in real time, and do not take into account the risk information of the driver, vehicle, and road environment. Since the risk detection system of this kind of auto insurance does not monitor and track the insured vehicle, driver and driving environment in real time, it cannot monitor and evaluate the risk of auto insurance in real time, and the pricing of insurance premiums lacks fairness. At the same time, the existing auto insurance risk detection system lacks a channel for real-time communication with drivers, and lacks disaster prevention and mitigation of risky accidents. Contents of the inventio...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
Inventor 郁佳敏
Owner 郁佳敏
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