ADAS intelligent vehicle-mounted terminal-based vehicle insurance management service system

Abstract

The invention discloses an ADAS intelligent vehicle-mounted terminal-based vehicle insurance management service system. The system comprises an ADAS intelligent vehicle-mounted terminal and a remote server connected through a wireless network, wherein the remote server is connected with a service monitoring platform through a cloud server; the ADAS intelligent vehicle-mounted terminal comprises an image acquisition and processing apparatus, a GPS locating apparatus, an acceleration sensor, a data processing apparatus, a storage memory unit and a wireless transmission apparatus; the remote server comprises a communication gateway, a big data cloud expert system and a storage unit; the big data cloud expert system is used for performing analysis and classified storage on data; and the service monitoring platform is used for performing monitoring management on an operation and maintenance vehicle according to data of the ADAS intelligent vehicle-mounted terminal. The system can detect a dangerous driving behavior of a driver and give an early warning, so that the driving behavior of the driver is improved, the accidents are effectively avoided, and the vehicle insurance claim rate is reduced.

Description

technical field [0001] The invention belongs to the field of vehicle insurance technology and intelligent transportation technology, and in particular relates to an insurance management service system based on an ADAS intelligent vehicle-mounted terminal. Background technique [0002] Due to the high market sales expenses and channel expenses, the high comprehensive cost rate, and the difficulty in solving the problem of user insurance fraud, auto insurance is becoming more and more difficult to make profits in the fierce competition. According to the "2016-2020 China Automotive Aftermarket In-depth Research and Investment Prospect Forecast Report" by China Investment Consultants, since 2014, in the field of auto insurance, the competition among insurance companies has become increasingly fierce, and the label of "loss" is almost the same as that of auto insurance. Business is inseparable. According to the 2014 financial report data released by 42 unlisted property insuranc...

AI Technical Summary

Problems solved by technology

With the rapid development of UBI model auto insurance in Europe and the United States, China has also begun the preliminary exploration of UBI auto insurance. Especially in 2015, UBI auto insurance has set off a wave of upsurge in the insurance industry, and basically adopts insurance companies or third-party service providers. After the OBD+UBI model, however, there are many bottlenecks in the promotion process of OBD-based UBI auto insurance: first, it is difficult for insurance companies to form an accurate UBI auto insurance pricing model, and the control degree of domestic UBI auto insurance premiums is low; second, OBD equipment Accurate binding with the vehicle is difficult to achieve, and the VIN code of many vehicles cannot be read through the OBD device. Therefore, it is impossible to judge whether the vehicle connected to the device is an insured vehicle, and it is impossible to prevent various fraudulent insurance situations; three. The data is collected through OBD, which can only collect vehicle body driving data such as the number of times the driver brakes suddenly, but cannot collect relevant data on the surrounding environment of the vehicle body, such as the road conditions under which the driver brakes, and it is difficult to identify possible risk accidents that may occur to the owner control, the reference significance of these data is also limited

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