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An electronic meter for car insurance premiums based on machine vision

An electronic fare meter and machine vision technology, applied in fare meters, instruments, time registers, etc., can solve the problem of driving habits that cannot accurately measure passing and departing from the lane, and cannot accurately determine the risk factors and risk prices of automobile insurance, etc. problems, to achieve the effect of accurate and reasonable pricing of insurance premiums and fair and reasonable premium collection

Active Publication Date: 2018-10-12
郁佳敏
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] In view of the above-mentioned defects of the prior art, the technical problem to be solved by the present invention is that the existing automobile insurance billing mode cannot accurately measure the driving habit of the driver of the insured vehicle following the car and departing from the lane, thus it is impossible to accurately determine each It is unfair to charge high insurance premiums to insureds with good driving habits

Method used

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  • An electronic meter for car insurance premiums based on machine vision
  • An electronic meter for car insurance premiums based on machine vision
  • An electronic meter for car insurance premiums based on machine vision

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Embodiment Construction

[0056] Such as figure 1 Shown, the automobile insurance electronic price meter based on machine vision of the present invention comprises central processing unit, memory module, sensor module, user interface module and network communication module; Described sensor module comprises: camera module, acceleration / angular velocity meter unit, global positioning module, wherein the camera module is composed of a camera unit and an image processing chip; the price meter is configured to collect image information in front of the insured vehicle through the camera unit, and the image processing chip The characteristics of the information are identified, and the central processing unit judges the identified characteristics, and stores the times information and time information corresponding to lane departure and vehicle following too closely in the memory module.

[0057] The following is an example. The electronic car insurance meter of machine vision is installed on the front windshi...

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Abstract

The invention discloses a machine vision based automobile insurance electronic fee register. Lane deviation behaviors can be captured, and distances and time duration of lane deviations can be recorded in a memory module; too close following behaviors can also be captured, and distances and time duration of dangerous following are recorded in the memory module; a journey-based mileage insurance fee can also be calculated, and a mileage total insurance fee P is a product obtained by multiplying a mileage L of a journey, a unit mileage (per kilometer) premium rate Rkm and a safety floating factor f. According to the technical scheme provided by the invention, fee registration is performed according to an actual driving mileage, insurance fee charging is more fair and reasonable, safe driving is encouraged, less driving is realized; and the machine vision based automobile insurance electronic fee register can also identify most important dangerous driving risks including too close following and the lane deviations, and the insurance fee is more accurately and reasonably priced.

Description

technical field [0001] The invention relates to an electronic car insurance meter, in particular to an electronic insurance meter based on machine vision. Background technique [0002] Car insurance premiums are currently charged on an annual basis. The risk of auto insurance is obviously directly related to the state of use of the car. More driving will inevitably increase the accident risk, less driving will reduce the accident risk, and the accident risk will be almost zero when the car is stopped. Therefore, it is unfair for traditional car insurance to be billed simply on an annual basis. Auto insurance premiums should be billed accurately according to usage like water, electricity and coal, which is more fair and reasonable. [0003] Utility model patent (authorized announcement number: CN202956799U) "Automobile Insurance Electronic Taximeter" invented an electronic taximeter that calculates the cumulative total insurance premium according to the actual mileage of the...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G07B13/00G07C5/08
Inventor 郁佳敏
Owner 郁佳敏
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