CN109146693A - A kind of small passenger car insurance premium assessment device - Google Patents
A kind of small passenger car insurance premium assessment device Download PDFInfo
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- CN109146693A CN109146693A CN201810677326.6A CN201810677326A CN109146693A CN 109146693 A CN109146693 A CN 109146693A CN 201810677326 A CN201810677326 A CN 201810677326A CN 109146693 A CN109146693 A CN 109146693A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- B—PERFORMING OPERATIONS; TRANSPORTING
- B60—VEHICLES IN GENERAL
- B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
- B60W40/00—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models
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- B—PERFORMING OPERATIONS; TRANSPORTING
- B60—VEHICLES IN GENERAL
- B60W—CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT
- B60W40/00—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models
- B60W40/08—Estimation or calculation of non-directly measurable driving parameters for road vehicle drive control systems not related to the control of a particular sub unit, e.g. by using mathematical models related to drivers or passengers
- B60W40/09—Driving style or behaviour
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Abstract
The present invention discloses a kind of small passenger car insurance premium assessment device, belongs to passenger car safe driving evaluation areas.It includes that insurance premium assessment system control module, display module, terminal communication control module, sensor group, built-in vehicle system control module group and user acquire data module group, and insurance premium assessment system control module is communicated by CAN-BUS with terminal communication control module and built-in vehicle system control module group and obtains data-signal；Display module is electrically connected with insurance premium assessment system control module；Sensor group includes range sensor and/or road surface inclination sensor, is electrically connected with insurance premium assessment system control module；Terminal communication control module acquires data module group with user and is electrically connected.The present invention is accustomed to carrying out comprehensive assessment by bus to driver's driving habit of same vehicle in one period and horizontal and vehicle passenger, is the insurance premium that insurance company calculates vehicle according to assessment data, keeps insurance premium more reasonable.
Description
Technical field
The invention belongs to passenger car safe driving evaluation areas, especially a kind of small passenger car insurance premium assesses device.
Background technique
Car owner in non-first purchase car insurance, customary risks company can according to the case where car owner was in danger in several years for front,
Certain discount is given to the business insurance expense in the insurance premium of car owner's current year, such as the policy of certain insurance company, continuous 3 years are not
It is in danger: 4.335 foldings；It is not in danger within continuous 2 years: 5.058 foldings；It is not in danger within 1 year: 6.141 foldings；Last year is in danger 1 time: 7.225 folding；On
Be in danger in year 2 times: 9.03 foldings；Last year is in danger 3 times: 108.38% and floats；Last year is in danger 4 times: 126.44% and floats；Last year is in danger 5
It is secondary: 144.5% floating etc..Such method is simply direct, can calculate the insurance premium of car owner's current year rapidly, but this method has
Obvious disadvantage: 1. discount of premium rate is segmentation, and calculation method is coarse, without continuity；2. being in former years with car owner only
No accident occur for judgment basis, judgment basis is too simple, other factors is not taken into account, as whether passenger has by bus
Driving habit, driving ability of the habit and driver that use of seat belts etc..
Summary of the invention
To solve defect existing for current car insurance cost calculating method, the present invention provides a kind of small passenger car insurance premium
Device is assessed, it is to such as a year and a day or several years, the driving habit and driving ability of the driver of same vehicle in one period
And the habit by bus of vehicle passenger carries out comprehensive assessment, insurance company calculates the insurance premium of vehicle according to assessment data, makes
Insurance premium is more reasonable, and driver is promoted to improve driving ability, forms good driving habit, forms passenger well
By bus be accustomed to.
To achieve the above object, the present invention adopts the following technical solutions:
A kind of small passenger car insurance premium assessment device, small passenger car insurance premium assessment device include insurance premium assessment
System control module, display module, terminal communication control module, sensor group, built-in vehicle system control module group and user
It acquires data module group, insurance premium assessment system control module and terminal communication control module and built-in vehicle system controls mould
Block group is communicated by CAN-BUS and obtains data-signal；Built-in vehicle system control module group includes Vehicular instrument panel control mould
Block, car body control module, anti-blocking brake system/body electronics systems stabilisation control module, Transmission Control Module and start
Machine control module；Display module is electrically connected with insurance premium assessment system control module；Sensor group includes Distance-sensing
Device and/or road surface inclination sensor, range sensor and/or road surface inclination sensor and insurance premium assessment system control module into
Row electrical connection；Terminal communication control module acquires data module group with user and is electrically connected；User acquires data module
Group includes bluetooth module, NFC module, USB interface, geographic position module and other type of skill communication type modules.
Further, sensor group is used to sending the corresponding data information of acquisition into the insurance premium assessment system to and control
Module.
Further, geographic position module for obtaining the location information of vehicle in real time；
Geographic position module is using GPS and/or Beidou and/or GLONASS；
Other type of skill communication type modules include that USB flash disk, mobile phone and insurance data acquire for vehicle and mobile device
Communication between mobile terminal simultaneously carries out data interaction.
Further, CAN-BUS is total as the data-interface interacted with vehicle data, including CAN controller, CAN
Line transceiver and high speed optoelectronic isolating chip.
Further, range sensor is divided into several headstock distance sensors and several tailstock range sensors.
Further, in order to obtain coefficient of road adhesion μmax, so as to distinguish the road surface of different gradient, such as go up a slope
Face and descending road surface；The road surface of different attachment coefficients, such as ice and snow road, wet-skid road surface, dry cement pavement and dry drip
Green road surface etc., sensor group further include wheel vertical load sensor and Wheel cylinder pressure sensors, wheel vertical load sensor
It is electrically connected with insurance premium assessment system control module；Wheel cylinder pressure sensors and institute's anti-blocking brake system/vehicle body electricity
Sub- systems stabilisation control module is electrically connected；
Wheel vertical load sensor is for acquiring single wheel in the vertical load afforded；Wheel cylinder pressure sensors are used
In the brake fluid pressure of acquisition wheel hydraulic cylinder；
It is sensed according to the single wheel of wheel vertical load sensor acquisition in the vertical load afforded and pressure of wheel braking cylinder
The brake fluid pressure of the hydraulic wheel cylinder of device acquisition, in conjunction in anti-blocking brake system/body electronics systems stabilisation control module
The vehicle wheel rotational speed of wheel speed sensors acquisition, obtains coefficient of road adhesion μmax。
Further, insurance premium assessment system control module includes sensor signal processing module, control module, communication mould
Block and driving signal processing module, the signal output end and the signal input part phase of sensor signal processing module of sensor group
Even；The signal output end of sensor signal processing module is connected with the signal input part of control module；Control module with communicate mould
Block carries out bidirectional data communication；Communication module is connected with CAN-BUS；The signal output end and driving signal of control module handle mould
The signal input part of block is connected；
Sensor signal processing module is for handling the collected corresponding data information of sensor group；
Communication module between insurance premium assessment system control module and CAN-BUS for being communicated；
Control module is used for according to the sensor signal processing module that receives treated corresponding data information and logical
The vehicle wheel rotational speed information of letter module transmitting calculates vehicle premium assessment data；When user needs to call, communicated by terminal
Control module is sent.
Further, car body control module acquisition seat belt switch and/or parking brake switching signal are sent to insurance premium assessment
System control module is accustomed to judge the parking of habit and driver that driver and passenger use of seat belts.
Further, Transmission Control Module acquires gearbox-gear signal；Insurance premium assessment system control module according to
The gearbox-gear signal being connected to, in conjunction with wheel speed sensors in anti-blocking brake system/body electronics systems stabilisation control module
Whether the wheel rotation speed signals of acquisition exceed the speed limit when vehicle forward travel and reversing to assess.
Further, small-sized in order to remind whether driver's small passenger car insurance premium assessment device is in malfunction
It further includes malfunction indicator lamp that passenger car insurance premium, which assesses device, and malfunction indicator lamp is electrically connected with Vehicular instrument panel control module
It connects；Insurance premium assessment system control module sends control information by CAN-BUS and controls event to Vehicular instrument panel control module
Hinder the light on and off of indicator light.
The present invention compared with prior art, has the advantages that by adopting the above technical scheme
1. distance is as evaluation index between driving vehicle: passing through the difference of safe distance and practical spacing between calculating fore-aft vehicle
Assess control of the driver to spacing, if driver is chronically at practical spacing less than safe distance between vehicles, assessment result compared with
It is low；If driver is chronically at practical spacing greater than safe distance between vehicles, assessment result is higher.
2. driver and passenger use of seat belts, habit is as evaluation index: being capable of real-time judge driver and passenger safety
Band service condition, when vehicle travels, if driver or passenger, which are not used in safety belt or use process, is taken safety belt
Then reduce assessment result；
3. hypervelocity is used as evaluation index: in forward travel and reversing, setting speed thresholding makes assessment result in hypervelocity
It reduces；
4. parking habit is used as evaluation index: when needing using parking brake, driver can pull on parking brake in time, prevent
The case where being slipped by slope when emergency.
Detailed description of the invention
Fig. 1 is that the small passenger car insurance premium of one embodiment of the invention assesses the functional block diagram of device；
In figure: 1- insurance premium assessment system control module, 2- display module, 3- terminal communication control module, 411- headstock
Range sensor, 412- tailstock range sensor, 42- road surface inclination sensor, 43- wheel vertical load sensor, 44- wheel cylinder
Pressure sensor, 51- Vehicular instrument panel control module, 511- malfunction indicator lamp, 512- automobile key gear, 52- Body Control
Module, 521- seat belt switch, 522- parking brake switch, 53- anti-blocking brake system/body electronics systems stabilisation control module,
531- wheel speed sensors, 532- brake pedal switch, 54- Transmission Control Module, 541- gearbox-gear, 55- engine control
Molding block, 551- clutch switch, 61- bluetooth module, 62-NFC module, 63-USB interface, 64- geographic position module, 65- its
Its type of skill communication type module.
Specific embodiment
Present invention will be further explained below with reference to the attached drawings and examples.
The present embodiment proposes a kind of small passenger car insurance premium assessment device, as shown in Figure 1, small passenger car insurance premium is commented
Estimate device include insurance premium assessment system control module 1, display module 2, terminal communication control module 3, sensor group, in vehicle
It sets system control module group and user acquires data module group, wherein sensor group includes that built-in vehicle sensor and vehicle are external
Sensor, vehicle outer sensor include headstock distance sensor 411, tailstock range sensor 412 and/or road gradient sensing
Device 42 and/or wheel vertical load sensor 43 and/or Wheel cylinder pressure sensors 44；Built-in vehicle sensing relevant to the present apparatus
Device includes automobile key gear position sensor, gearbox-gear sensor, clutch switch sensor, wheel speed sensors 531, safety
Belt switch sensor, parking brake switch sensor and brake pedal switch sensor.Since the configuration of different automobile types is different, above-mentioned vehicle
The configuration of built-in sensors and vehicle outer sensor is different, if some vehicle outer sensors have been matched in vehicle
Set that there is no need to still further install.Built-in vehicle system control module group includes Vehicular instrument panel control module 51, gearbox control
Molding block 54, engine control module 55, anti-blocking brake system (ABS)/body electronics systems stabilisation (ESP/VSC) control mould
Block 53 and car body control module (BCM) 52 send corresponding sensing data respectively and give insurance premium assessment system control module
1.It is vehicle that insurance premium assessment system control module 1, display module 2, terminal communication control module 3 and user, which acquire data module group,
External system control module.
As shown in Figure 1, Transmission Control Module 54 provides change to insurance premium assessment system control module 1 by CAN-BUS
Fast 541 signal of gear box, this is switching device；Anti-blocking brake system/body electronics systems stabilisation control module 53 passes through
CAN-BUS provides vehicle wheel rotational speed 531, brake pedal switch 532 and hydraulic wheel cylinder to insurance premium assessment system control module 1
The signals such as brake fluid pressure；Car body control module 52 provides safety belt to insurance premium assessment system control module 1 by CAN-BUS
522 signal of 521 signal of switch and parking brake switch；Terminal communication control module 3 is controlled by CAN-BUS to insurance premium assessment system
Module 1 provides geographical location information.
As shown in Figure 1, terminal communication control module 3 includes bluetooth module 61, NFC module 62, USB interface 63, geographical position
Module 64 and other type of skill communication type modules 65 (including wireless transmission and wire transmission) are set, is used for insurance company from vehicle
Obtain data, to calculate current year car insurance expense.Terminal communication control module 3 passes through bluetooth module 61, NFC module 62
With the wireless communication techniques such as WIFI and USB interface 63 and extraneous carry out data interaction.
Bluetooth module 61 is for the equipment rooms such as vehicle and mobile device such as mobile phone, USB flash disk and insurance data acquisition mobile terminal
Communication carries out data interaction.The present embodiment uses DFBM-CM22A Bluetooth chip.The chip compatible bluetooth standard v1.1 and v1.2,
It is integrated with radio frequency, base band and the processor that bluetooth protocol repertory and upper level applications can be run, chip interface is abundant, provides
Synchronous serial interface, generic asynchronous serial mouth, universal serial bus, universal input output and pulse code modulation interface, can lead to
Cross programming port setup module and downloading program.
NFC is Near Field Communication abbreviation, i.e. near field communication (NFC) in NFC module 62, is
A kind of wireless technology standard is, it can be achieved that fixed equipment and the exchange of mobile device short-range data.NFC module 62 in the present embodiment
Data interaction is carried out for the communication between devices such as vehicle and mobile device such as mobile phone, USB flash disk and insurance data acquisition mobile terminal.This
For NFC module 62 using NXP PN532 as main control chip, it includes 80C51 microcontroller core, is integrated in embodiment
Various active/passive formula non-contact communication methods and agreement under 13.56MHz.
USB is the abbreviation of Universal Serial Bus (universal serial bus) in USB interface 63, is that a kind of outside is total
Line standard is, it can be achieved that fixed equipment and the interaction of mobile device short-range data.In the present embodiment USB module 63 for vehicle with
The communication between devices such as mobile device such as mobile phone, USB flash disk and insurance data acquisition mobile terminal carry out data interaction.
Geographical location information module 64 for obtaining the location information of vehicle in real time, select GPS and/or Beidou and/or
GLONASS.Geographical location information module 64 uses NEO-5Q master chip in the present embodiment, this chip is multi-functional self GPS
Mould group is basic framework with ROM, seizes technology using Kick Start small-signal, can ensure that the equipment using this GPS mould group
There can be optimal initial alignment performance in any position that can receive signal and any antenna size and quickly determine
Position.Backup battery is arranged in this GPS mould group, and using the chargeable twist button battery of 3V, backup battery can save after the power-off of GPS mould group
Current information, being again started up GPS mould group can be achieved quickly positioning.
Other type of skill communication type modules 65 are wireless transmission and wire transmission technology in addition to above-mentioned communication means,
Such as automobile-used VANET communication technology is, it can be achieved that fixed equipment and the interaction of mobile device short-range data.It is other in the present embodiment
Type of skill communication type module 65 is set for vehicle and mobile device such as mobile phone, USB flash disk and insurance data acquisition mobile terminal etc.
Communication carries out data interaction between standby.In the present embodiment other type of skill communication type modules 65 using RT3070, RTC6681 or
UPG2179TB chip.RT3070 has been internally integrated the radio frequency of media access controller (MAC), baseband processor (BBP) and 2.4G
Module can support the up to data throughout of 150Mbps to 300Mbps.The family chip meets the 802.11n of IEEE proposition
4.0 drafts and 802.11b/g standard.
CAN-BUS passes data to each control module for obtaining information of vehicles from the interface of vehicle body.The present embodiment
Data-interface using CAN-BUS as vehicle data interaction.It is mainly received by CAN controller MCP2510, CAN bus
Send out the composition such as device TJA1050 and high speed optoelectronic isolating chip 6N137.
Range sensor delivers the data to insurance premium assessment system for measuring vehicle at a distance from preceding vehicle
Control module 1.Range sensor is equipped with long range radar sensor and short distance radar sensor in the present embodiment.Long range thunder
BOSCH 77GHz FMCW radar LRR3 millimetre-wave radar sensor is used up to sensor, can detecte at a distance from front truck,
For assessing driver to the control situation of front-and-rear vehicle distance.Short distance radar sensor is sensed using BSM24GHz millimetre-wave radar
Device is distributed in vehicle body all around, surrounds vehicle one week, real-time detection is at a distance from peripheral obstacle, for assessing driver
To the control situation of following distance.
Wheel vertical load sensor 43 and wheel speed sensors 531 are used to detect wheel vertical suffered load and wheel and turn
Speed further calculates coefficient of road adhesion μ with the brake fluid pressure force data of hydraulic wheel cylindermax.Wheel is vertical in the present embodiment
Load transducer 43 select YGX-H100-100D-V7-CLP sensor, according to the principle of differential transformer type inductive effect into
Row work.For vehicle since weight change causes spring deflection to generate displacement, wheel vertical load sensor 43 passes through survey
Measure the corresponding weight change that vehicle is monitored at corresponding weight of its displacement.
Road surface inclination sensor 42 is used for real-time measurement road gradient, as an important ginseng for calculating vehicular safety distance
Number.Road surface inclination sensor 42 uses iTS-22 module in the present embodiment, which merges gyroscope and six-axle acceleration counts
According to for calculating the dynamic posture of vehicle in real time.
Wheel speed sensors 531 are used to measure the current vehicle wheel rotational speed of vehicle, and pass it to anti-blocking brake system/vehicle
Body electric stabilizing system control module 53.The sensor that wheel speed sensors 531 are configured using former vehicle, it is generally induction.
Insurance premium assessment system control module 1 includes sensor signal processing module, control module, communication module and driving
Signal processing module；Sensor signal processing module mainly shields the sensor signal of input control module, is isolated, is become
Change, filter, amplifying, decaying, the inhibition of noise and A/D conversion etc. processing.Communication module controls mould for insurance premium assessment system
Block 1 is communicated with other vehicle control modules.It is communicated between each control module by CAN-BUS in the present embodiment；It drives
Dynamic signal processing module is handled signal according to required driving part；Real-time speed, road of the control module according to this vehicle
The gradient and vehicle dimension etc. calculate the safe distance of this vehicle and preceding vehicle, front vehicle, then range sensor is measured
Data be compared with safe distance, further record driver brake operating, assess the operation of driver.The present embodiment
SUMSUNG S3C2440 embeded processor is selected to construct the control module of insurance premium assessment system control module 1.
As shown in Figure 1, malfunction indicator lamp 511 is located on Vehicular instrument panel, when present apparatus non-normal working, the failure refers to
Show that lamp 511 can light.Insurance premium assessment system control module 1 sends data to Vehicular instrument panel control module by CAN-BUS
51 control the light on and off of the malfunction indicator lamp 511.
Display module 2 receives the data that insurance premium assessment system total control module 1 is sent, and shows required information, leads to
The touch screen crossed in display module 2 inputs information.The present embodiment uses TB-M-0F-065-RTU-BJZJ display screen, the display
Screen is 6.5 cun of open-shelf electric resistance touch screens, resolution ratio: 1024x768, screen type: TFT-LCD.
The further prioritization scheme of device, insurance premium assessment system are assessed as a kind of small passenger car insurance premium of the present embodiment
The processor of control module uses ARM series monolithic in control module 1 of uniting, but is not limited to the single-chip microcontroller or other type controls
Device processed.
The further prioritization scheme of device is assessed as a kind of small passenger car insurance premium of the present embodiment, distance-sensor is adopted
With infrared induction sensor or ultrasonic sensor, but it is not limited to above two range sensor.
The further prioritization scheme of device, insurance premium assessment system are assessed as a kind of small passenger car insurance premium of the present embodiment
Connection between control module 1 of uniting and each sensor is using electrical connection, insurance premium assessment system control module 1 and other controls
Connection between module such as ABS/ESP control module 53 is communicated using CAN-BUS.Above-mentioned connection be not limited to electrical connection or
Person's CAN-BUS connection.
The evaluation index of the present embodiment is as follows:
1. assessing control of the driver to separation between vehicles
Insurance premium assessment system control module 1 receives 541 signal of gearbox-gear by CAN-BUS, works as gearbox-gear
When 541 signals are in advance or reverse gear, insurance premium assessment system control module 1 directs or through CAN-BUS and receives wheel
After 44 signal of fast sensor 531, wheel vertical load sensor 43 and Wheel cylinder pressure sensors and calculate coefficient of road adhesion
μmax, brake safe distance is obtained further according to speed and 42 data of road surface inclination sensor, further, with insurance premium assessment system
The vehicle actual range of the received range sensor of control module 1 is compared, if vehicle actual range is less than brake safe
Distance then begins the evaluation at and records time and geographical location information；The system if vehicle actual range is greater than brake safe distance
Carry out other operations.
2. control when assessing driver's forward travel to speed
Insurance premium assessment system control module 1 receives 541 signal of gearbox-gear by CAN-BUS, works as gearbox-gear
When 541 signals are in drive shift, the relationship of forward travel speed Yu maximum allowable forward travel speed is begun the evaluation at, in positive row
Time, geographical location, hypervelocity degree are recorded when sailing speed greater than maximum allowable speed and provide corresponding assessment weight；Otherwise into
The other operations of row.
3. control when assessing driver's reversing to speed
Insurance premium assessment system control module 1 receives 541 signal of gearbox-gear by CAN-BUS, works as gearbox-gear
When 541 signals are in reverse gear, the relationship of reversing speed and maximum allowable reversing speed is begun the evaluation at, is greater than most in reversing speed
Allow when reversing speed record time, geographical location, hypervelocity degree greatly and provides corresponding assessment weight；Otherwise other behaviour are carried out
Make.
4. assessing in normal vehicle operation driver and passenger to the service condition of safety belt
Insurance premium assessment system control module 1 receives 541 signal of gearbox-gear by CAN-BUS, works as gearbox-gear
When 541 signals are in advance or reverse gear, insurance premium assessment system control module 1 is by CAN-BUS through car body control module
If 52 reception 521 signals of seat belt switch record time, geographical location and provide have seat belt switch 521 not to be closed
Corresponding assessment weight；Otherwise other operations are carried out.
5. assessing driver to the service condition of parking braking
Insurance premium assessment system control module 1 receives 541 signal of gearbox-gear by CAN-BUS, again by CAN-BUS
551 signal of clutch switch is received through engine control module 55, parking brake is received through car body control module 52 again by CAN-BUS
522 signal of switch, when 541 signal of gearbox-gear is not on drive shift or reverse gear and driver does not step on clutch
When device or brake pedal, if there is parking brake switch not to be closed, records time, geographical location and provide corresponding appraisal right
Value；Otherwise other operations are carried out.
Limiting the scope of the invention, those skilled in the art should understand that, in technical solution of the present invention
On the basis of, the various modifications or variations that can be made by those skilled in the art with little creative work still of the invention
Within protection scope.
Claims (10)
1. a kind of small passenger car insurance premium assesses device, it is characterised in that: the small passenger car insurance premium assesses device packet
Include insurance premium assessment system control module (1), display module (2), terminal communication control module (3), sensor group, built-in vehicle
System control module group and user acquire data module group, and the insurance premium assessment system control module (1) and the terminal are logical
Letter control module (3) and the built-in vehicle system control module group are communicated by CAN-BUS and obtain data-signal；It is described
Built-in vehicle system control module group includes Vehicular instrument panel control module (51), car body control module (52), braking anti-lock
System/body electronics systems stabilisation control module (53), Transmission Control Module (54) and engine control module (55)；It is described
Display module (2) is electrically connected with the insurance premium assessment system control module (1)；The sensor group includes that distance passes
Sensor and/or road surface inclination sensor (42), the range sensor and/or the road surface inclination sensor (42) and the guarantor
Danger expense assessment system control module (1) is electrically connected；The terminal communication control module (3) and the user acquire data
Module group is electrically connected；It includes bluetooth module (61), NFC module (62), USB interface that the user, which acquires data module group,
(63), geographic position module (64) and other type of skill communication type modules (65).
2. small passenger car insurance premium according to claim 1 assesses device, it is characterised in that: the sensor group is used for
Send the corresponding data information of acquisition to the insurance premium assessment system control module (1).
3. small passenger car insurance premium according to claim 1 assesses device, it is characterised in that: the geographic position module
(64) for obtaining the location information of vehicle in real time；
The geographic position module (64) is using GPS and/or Beidou and/or GLONASS；
Other type of skill communication type modules (65) include USB flash disk, mobile phone and insurance data for vehicle and mobile device
It acquires the communication between mobile terminal and carries out data interaction.
4. small passenger car insurance premium according to claim 1 assesses device, it is characterised in that: the CAN-BUS conduct
The data-interface interacted with vehicle data, including CAN controller, CAN bus transceiver and high speed optoelectronic isolating chip.
5. small passenger car insurance premium according to claim 1 assesses device, it is characterised in that: the range sensor point
For several headstock distance sensors (411) and several tailstock range sensors (412).
6. small passenger car insurance premium according to claim 1 assesses device, it is characterised in that: the sensor group is also wrapped
Include wheel vertical load sensor (43) and Wheel cylinder pressure sensors (44), the wheel vertical load sensor (43) with it is described
Insurance premium assessment system control module (1) is electrically connected；The Wheel cylinder pressure sensors (44) and the braking anti-lock
System/body electronics systems stabilisation control module (53) is electrically connected；
The wheel vertical load sensor (43) is for acquiring single wheel in the vertical load afforded；The pressure of wheel braking cylinder
Sensor (44) is used to acquire the brake fluid pressure of wheel hydraulic cylinder；
According to the single wheel of the wheel vertical load sensor (43) acquisition in the vertical load afforded and the wheel cylinder
The brake fluid pressure of the hydraulic wheel cylinder of pressure sensor (44) acquisition is steady in conjunction with the anti-blocking brake system/body electronics
Determine the vehicle wheel rotational speed that wheel speed sensors (531) acquire in system control module (53), obtains coefficient of road adhesion μmax。
7. the small passenger car insurance premium described in any one of according to claim 1 assesses device, it is characterised in that: the insurance
Expense assessment system control module (1) includes sensor signal processing module, control module, communication module and driving signal processing mould
Block, the signal output end of the sensor group are connected with the signal input part of the sensor signal processing module；The sensing
The signal output end of device signal processing module is connected with the signal input part of the control module；The control module is led to described
Believe that module carries out bidirectional data communication；The communication module is connected with the CAN-BUS；The signal output end of the control module
It is connected with the signal input part of the driving signal processing module；
The sensor signal processing module is for handling the collected corresponding data information of the sensor group；
The communication module between the insurance premium assessment system control module (1) and the CAN-BUS for being communicated；
The control module be used for according to the sensor signal processing module that receives treated corresponding data information with
And the vehicle wheel rotational speed information of the communication module transmitting calculates vehicle premium assessment data；When user needs to call, pass through
The terminal communication control module (3) sends.
8. small passenger car insurance premium described in any one of -7 assesses device according to claim 1, it is characterised in that: the vehicle
Body control module (52) acquires seat belt switch (521) and/or parking brake switchs (522) signal, is sent to the insurance premium assessment
System control module (1) is accustomed to judge the parking of habit and driver that driver and passenger use of seat belts.
9. small passenger car insurance premium described in any one of -7 assesses device according to claim 1, it is characterised in that: the change
Fast case control module (54) acquires gearbox-gear (541) signal；Insurance premium assessment system control module (1) basis is connected to
The gearbox-gear (541) signal, in conjunction with the anti-blocking brake system/body electronics systems stabilisation control module (53)
Whether the wheel rotation speed signals of middle wheel speed sensors (531) acquisition exceed the speed limit when vehicle forward travel and reversing to assess.
10. small passenger car insurance premium described in any one of -7 assesses device according to claim 1, it is characterised in that: described
It further includes malfunction indicator lamp (511) that small passenger car insurance premium, which assesses device, the malfunction indicator lamp (511) and the vehicle instrument
Dash board control module (51) is electrically connected；The insurance premium assessment system control module (1) is sent by the CAN-BUS
Control information controls the light on and off of the malfunction indicator lamp (511) to the Vehicular instrument panel control module (51).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810677326.6A CN109146693A (en) | 2018-06-27 | 2018-06-27 | A kind of small passenger car insurance premium assessment device |
Applications Claiming Priority (1)
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN116091250A (en) * | 2023-02-09 | 2023-05-09 | 中国人民健康保险股份有限公司深圳分公司 | Insurance wind control management method and system |
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| CN103150675A (en) * | 2013-01-30 | 2013-06-12 | 郁佳敏 | Risk monitoring system of automobile insurance |
| CN103854309A (en) * | 2012-11-29 | 2014-06-11 | 郁佳敏 | Automobile insurance electronic meter |
| CN204303041U (en) * | 2014-11-13 | 2015-04-29 | 西红柿科技（武汉）有限公司 | A kind of vehicle data gathering-device for safe driving assessment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103854309A (en) * | 2012-11-29 | 2014-06-11 | 郁佳敏 | Automobile insurance electronic meter |
| CN103150675A (en) * | 2013-01-30 | 2013-06-12 | 郁佳敏 | Risk monitoring system of automobile insurance |
| CN204303041U (en) * | 2014-11-13 | 2015-04-29 | 西红柿科技（武汉）有限公司 | A kind of vehicle data gathering-device for safe driving assessment |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116091250A (en) * | 2023-02-09 | 2023-05-09 | 中国人民健康保险股份有限公司深圳分公司 | Insurance wind control management method and system |
| CN116091250B (en) * | 2023-02-09 | 2023-12-15 | 中国人民健康保险股份有限公司深圳分公司 | Insurance wind control management method and system |
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Application publication date: 20190104 |