CN109214930A - Car insurance calculation method, device and service terminal - Google Patents
Car insurance calculation method, device and service terminal Download PDFInfo
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- CN109214930A CN109214930A CN201710554522.XA CN201710554522A CN109214930A CN 109214930 A CN109214930 A CN 109214930A CN 201710554522 A CN201710554522 A CN 201710554522A CN 109214930 A CN109214930 A CN 109214930A
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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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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C5/00—Registering or indicating the working of vehicles
- G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
- G07C5/0841—Registering performance data
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Abstract
The present invention relates to automobile insurance fields, specifically, providing a kind of car insurance calculation method, device and service terminal.The location information for the automobile that the present invention is sent by the onboard diagnostic system received on user's automobile is to judge whether user used automobile in the given time, the time and the time without using automobile for using automobile in the given time according to user, according to the charging standard for using automobile and the standard without using automobile, the car insurance expense of user in the given time is calculated.The case where present invention can use automobile for user takes vehicle insurance expense different charging standards, and the expense that user pays has higher utilization rate, and user experience is higher.
Description
Technical field
The present invention relates to automobile insurance fields, eventually in particular to a kind of car insurance calculation method, device and service
End.
Background technique
It is a kind of Vehicle Risk for insuring mark that car insurance, which is with motor vehicles itself and its third party liability etc.,
The reparation in Insurance coverage can be then obtained after being in danger, traffic accident is avoided to bring huge economic loss, be numerous car owners
It provides safeguard.However, existing vehicle insurance collecting mode has larger drawback, generally takes and disposably collect regularly vehicle insurance expense
With regardless of whether user uses automobile within a certain period of time, expense will not be reduced or be returned, the expense utilization rate that user pays
Not high, user experience is not high.
Summary of the invention
The purpose of the present invention is to provide a kind of car insurance calculation method, device and service terminals, are paid with improving user
The vehicle insurance expense utilization rate received is not high, the not high problem of user experience.
To achieve the goals above, technical solution used in the embodiment of the present invention is as follows:
In a first aspect, being applied to service terminal, the clothes the embodiment of the invention provides a kind of car insurance calculation method
Terminal of being engaged in and onboard diagnostic system communicate to connect, and the car insurance calculation method includes: to receive on the onboard diagnostic system
The location information of user's automobile of biography；Judge whether user used automobile in the given time according to the location information；It presses
The time and the time without using automobile for using automobile in the given time according to user, according to use automobile charging standard and
The standard for not using automobile, calculates the car insurance expense of user in the given time.
Further, the method also includes: judge the car insurance expense of user in the predetermined time whether more than first
Threshold value expense；When the car insurance expense for calculating user in the predetermined time is more than first threshold expense, first threshold is taken
It is used as car insurance expense of the user within the predetermined time.
Further, the predetermined time is one month, the time for using automobile in the given time according to user
The time for not using automobile calculates according to the charging standard for using automobile and the standard without using automobile in pre- timing
The step of car insurance expense of interior user includes: that the same day is divided into use when user used automobile in one day
The same day was divided into the number of days of unused automobile when automobile is not used in one day in user by the number of days of automobile；According to each
The moon using the number of days of automobile and using the number of days of automobile, used vapour using the charging standard of automobile and one day are no according to one day
The standard of vehicle calculates the car insurance expense of user in the given time；
The first threshold expense is calculated by the following formula to obtain:
X=20 × A+10 × B
Wherein, X is first threshold expense, and A is one day toll price using automobile, and B is the receipts of one day unused automobile
Take unit price.
Further, the method also includes: judge whether the car insurance expense of user in the predetermined time is lower than second
Threshold value expense；When calculating the car insurance expense of user in the predetermined time lower than second threshold expense, second threshold is taken
It is used as car insurance expense of the user within the predetermined time.
Further, the second threshold expense is calculated by the following formula to obtain:
Y=6 × A+24 × B
Wherein, Y is second threshold expense, and A is one day toll price using automobile, and B is the receipts of one day unused automobile
Take unit price.
Second aspect, the embodiment of the invention also provides a kind of car insurance computing devices, are applied to service terminal, described
Service terminal and onboard diagnostic system communicate to connect, and the car insurance computing device includes: receiving module, described for receiving
The location information for user's automobile that onboard diagnostic system uploads；Judgment module, for judging that user is according to the location information
It is no to use automobile in the given time；Computing module, for using the time of automobile and not having in the given time according to user
There is the time using automobile, according to the charging standard for using automobile and the standard without using automobile, calculates in the given time
The car insurance expense of user.
Further, whether the judgment module is also used to judge the car insurance expense of user in the predetermined time more than
One threshold value expense；When the car insurance expense for calculating user in the predetermined time is more than first threshold expense, the calculating mould
Block is also used to the car insurance expense using first threshold expense as user within the predetermined time.
Further, the predetermined time is one month, and the car insurance computing device further includes division module, is used for
When user used automobile in one day, the same day is divided into the number of days using automobile, when user was not used in one day
When automobile, be divided into the number of days of unused automobile the same day；The computing module is also used to use the day of automobile according to every month
Number and the number of days for not using automobile were calculated according to one day standard using the charging standard of automobile and one day without using automobile
The car insurance expense of user in the given time；
The first threshold expense is calculated by the following formula to obtain:
X=20 × A+10 × B
Wherein, X is first threshold expense, and A is one day toll price using automobile, and B is the receipts of one day unused automobile
Take unit price.
Further, the judgment module is also used to judge whether the car insurance expense of user in the predetermined time is lower than
Two threshold value expenses；When calculating the car insurance expense of user in the predetermined time lower than second threshold expense, the calculating mould
Block is also used to the car insurance expense using second threshold expense as user within the predetermined time；The second threshold expense
It is calculated by the following formula to obtain:
Y=6 × A+24 × B
Wherein, Y is second threshold expense, and A is one day toll price using automobile, and B is the receipts of one day unused automobile
Take unit price.
The third aspect, the embodiment of the invention also provides a kind of service terminal, the service terminal and onboard diagnostic system
Communication connection, the service terminal includes memory, processor and car insurance computing device.The car insurance computing device
It is installed in the memory and including the software function module that one or more is executed by the processor, the car insurance
Computing device includes: receiving module, for receiving the location information for user's automobile that the onboard diagnostic system uploads；Judge mould
Block, for judging whether user used automobile in the given time according to the location information；Computing module, for according to
The time and the time without using automobile that family uses automobile in the given time, according to the charging standard for using automobile and do not have
Using the standard of automobile, the car insurance expense of user in the given time is calculated.
Car insurance calculation method, device and service terminal provided in an embodiment of the present invention have compared with prior art
It is below the utility model has the advantages that the present invention by receive user's automobile on onboard diagnostic system send automobile location information to sentence
Whether disconnected user used automobile in the given time, uses the time of automobile in the given time according to user and does not use
The time of automobile calculates user's in the given time according to the charging standard for using automobile and the standard without using automobile
Car insurance expense.The case where present invention can use automobile for user, takes vehicle insurance expense different charging standards, uses
The expense that family is paid has higher utilization rate, and user experience is higher.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, preferred embodiment is cited below particularly, and cooperate
Appended attached drawing, is described in detail below.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only certain embodiments of the present invention, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 shows the application environment schematic diagram of car insurance calculation method provided in an embodiment of the present invention and device.
Fig. 2 shows the structural block diagrams of service terminal provided in an embodiment of the present invention.
Fig. 3 shows the functional block diagram of car insurance computing device provided in an embodiment of the present invention.
Fig. 4 shows the flow chart of car insurance calculation method provided in an embodiment of the present invention.
Icon: onboard diagnostic system 100, service terminal 200, car insurance computing device 210, receiving module 211, judgement
Module 212, computing module 213, division module 214, memory 220, processor 230, communication unit 240, network 300.
Specific embodiment
Car insurance calculation method, device and service terminal provided by the embodiment of the present invention can be applied to as shown in Figure 1
Application environment in.As shown in Figure 1, service terminal 200 can pass through network 300 and onboard diagnostic system (On-Board
Diagnostic, OBD) 100 communicated, with realize data communication between service terminal 200 and onboard diagnostic system 100 or
Interaction.For example, service terminal 200 can obtain the location information of vehicle from onboard diagnostic system 100.
Fig. 2 shows a kind of structures of the service terminal 200 of car insurance computing device that can apply the embodiment of the present invention
Block diagram.As shown in Fig. 2, service terminal 200 include car insurance computing device 210, memory 220, it is one or more (in figure only
Show one) processor 230, communication unit 240 etc.
Memory 220, processor 230 and each element of communication unit 240 are directly or indirectly electrically connected between each other,
To realize the transmission or interaction of data.For example, these elements can pass through one or more communication bus or signal wire between each other
It realizes and is electrically connected.Car insurance computing device 210 includes that at least one can be deposited in the form of software or firmware (firmware)
The software for being stored in memory 220 or being solidificated in the operating system (operating system, OS) of the service terminal 200
Functional module.Processor 230 is for executing the executable module stored in memory 220, such as car insurance computing device 210
Included software function module and computer program etc..
Wherein, the memory 220 may be, but not limited to, random access memory (Random Access
Memory, RAM), read-only memory (Read Only Memory, ROM), programmable read only memory (Programmable
Read-Only Memory, PROM), erasable read-only memory (Erasable Programmable Read-Only
Memory, EPROM), electricallyerasable ROM (EEROM) (Electric Erasable Programmable Read-Only
Memory, EEPROM) etc..Wherein, memory 220 is for storing program, and processor 230 executes after receiving and executing instruction
Described program.Communication unit 240 is used to establish the communication between service terminal 200 and onboard diagnostic system 100 by network 300
Connection, and for passing through 300 sending and receiving data of network.
It is appreciated that structure shown in Fig. 2 is only to illustrate, service terminal 200 may also include it is more than shown in Fig. 2 or
Less component, or with the configuration different from shown in Fig. 2.Each component shown in Fig. 2 can using hardware, software or its
Combination is realized.
Below in conjunction with attached drawing in the embodiment of the present invention, technical solution in the embodiment of the present invention carries out clear, complete
Ground description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Usually exist
The component of the embodiment of the present invention described and illustrated in attached drawing can be arranged and be designed with a variety of different configurations herein.Cause
This, is not intended to limit claimed invention to the detailed description of the embodiment of the present invention provided in the accompanying drawings below
Range, but it is merely representative of selected embodiment of the invention.Based on the embodiment of the present invention, those skilled in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall within the protection scope of the present invention.
It should also be noted that similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi
It is defined in a attached drawing, does not then need that it is further defined and explained in subsequent attached drawing.Meanwhile of the invention
In description, term " first ", " second " etc. are only used for distinguishing description, are not understood to indicate or imply relative importance.
Referring to Fig. 3, showing the functional block diagram of car insurance computing device 210 provided in an embodiment of the present invention.This
The car insurance computing device 210 that inventive embodiments provide is used to calculate the insurance premium of automobile, comprising: receiving module 411 is sentenced
Disconnected module 412 and computing module 413.
Receiving module 411 is used to receive the location information for user's automobile that the onboard diagnostic system 100 uploads.
In embodiments of the present invention, onboard diagnostic system 100 has global positioning system (GPS, Global
Positioning System) module, the current location information of automobile, such as the longitude and latitude of automobile can be obtained in real time, will acquire
To location information be sent to by communication module the communication unit 240 of service terminal 200, receiving module 411 receives communication unit
First 240 received location informations.
Judgment module 412 is used to judge whether user used automobile in the given time according to the location information.
In embodiments of the present invention, after receiving module 211 receives location information, judge whether the position of automobile becomes
Change, if the location information of automobile in the given time never changes, shows that user does not have in the given time
Used automobile.If variation occurred for the location information of automobile in the given time, can continue to judge the location information
Whether variation is more than preset variation range, for example, may determine that location information whether change more than preset distance or
Location information changes whether duration is more than the preset time, if it exceeds preset distance or time, then determine to use
Family has used automobile within a preset time.
Computing module 213 be used for used in the given time according to user automobile time and without use automobile when
Between, according to the charging standard for using automobile and the standard without using automobile, calculate the car insurance of user in the given time
Expense.
Within the predetermined time, user can correspond to a charging standard using automobile, and user is not used automobile and can correspond to separately
One charging standard, for example, using automobile for user, automobile is not used daily, for user in charge A member, and charge B member is every
It, in general, the charge that automobile is not used in user uses the expense of automobile, i.e. A > B lower than user.In the scheduled time, user makes
Different charges is corresponded to, with the time of automobile and unused automobile for the ease of statistics, in the present embodiment, predetermined time one
A month, whether drive according to number of days counting user, for example, as long as user drove vehicle, which is judged as driving in one day
Number of days, in one day, if user did not drive vehicle, this day is judged as the number of days that do not drive, as an example, one month
Interior, it is 12 days that user, which used the number of days of automobile, and the number of days that automobile was not used is 18 days, and the charging standard using automobile is 15
First the charging standard of unused automobile is daily for 10 yuan daily, then the vehicle insurance expense of this month user is 12 × 15+18 × 10=
360 yuan, it is readily appreciated that, above-mentioned calculation is merely illustrative, in other embodiments, can also according to other according to the time into
The mode that row calculates, the present embodiment are not construed as limiting this.
In order to guarantee that the reasonability of vehicle insurance charge in actual operation can set the vehicle insurance expense in user's predetermined time
A fixed upper limit, i.e. first threshold expense, prevent from charging excessively high, judgment module 212 is also used to judge user in the predetermined time
Whether car insurance expense is more than first threshold expense, when the car insurance expense for calculating user in the predetermined time is more than first
When threshold value expense, computing module 213 is also used to the car insurance using first threshold expense as user within the predetermined time
Expense.For example, first threshold expense is 400 yuan, when calculating the vehicle insurance expense in the predetermined time and being more than 400 yuan, only collect
400 yuan of user of vehicle insurance expense.
In the present embodiment, the predetermined time is one month, and car insurance computing device further includes division module 214, is used for
When user used automobile in one day, the same day is divided into the number of days using automobile, when user was not used in one day
When automobile, be divided into the number of days of unused automobile the same day.For example, user used automobile at No. 1, division module 214 is by No. 1
It is divided into the number of days using automobile, automobile was not used at No. 2 by user, and division module 214 is divided into unused automobile for No. 12
Number of days.Computing module 213, using the number of days of automobile and using the number of days of automobile, used automobile according to one day according to every month
Charging standard and one day standard without using automobile, calculate the car insurance expense of user in the given time.
First threshold expense is calculated by the following formula to obtain: X=20 × A+10 × B, wherein and X is first threshold expense,
A is one day toll price using automobile, and B is the toll price of one day unused automobile.According to above-mentioned citing, A=15, B
=10, X=20 × 15+10 × 10=400 member.
It is readily comprehensible, in order to guarantee that the reasonability of vehicle insurance charge in actual operation can be in user's predetermined time
Vehicle insurance expense sets a lower limit, i.e. second threshold expense, guarantees normally collecting for vehicle insurance, judgment module 212 is also used to judge
Whether the car insurance expense of user is lower than second threshold expense in predetermined time, when the vehicle for calculating user in the predetermined time
When insurance premium is lower than second threshold expense, computing module 213 is also used to using second threshold expense as user described predetermined
Car insurance expense in time.For example, second threshold expense is 300 yuan, when calculating, the vehicle insurance expense in the predetermined time is low
When 300 yuan, 300 yuan of user of vehicle insurance expense is still collected.
In the present embodiment, second threshold expense is calculated by the following formula to obtain: Y=6 × A+24 × B, wherein Y is
Second threshold expense, A are one day toll price using automobile, and B is the toll price of one day unused automobile.According to above-mentioned act
Example, A=15, B=10, Y=6 × 15+24 × 10=320 member.
Referring to Fig. 4, showing the flow chart of car insurance calculation method provided in an embodiment of the present invention.The present invention is implemented
Example provide car insurance calculation method the following steps are included:
Step S101 receives the location information for user's automobile that the onboard diagnostic system uploads.
In embodiments of the present invention, step S101 can be executed by receiving module 211, which is examined by vehicle-mounted
The GPS module of disconnected system obtains.
Step S102 judges whether user used automobile in the given time according to the location information.
In embodiments of the present invention, step S102 can be executed by judgment module 212.Specifically, receiving module 211 receives
To after location information, judge whether the position of automobile changes, if the location information of automobile in the given time does not have always
It changes, then shows that user did not use automobile in the given time.If the positioning letter of automobile in the given time
Variation occurred for breath, can continue to judge whether the variation of the location information is more than preset variation range, such as can be with
Judge location information whether change more than preset distance or location information variation duration whether be more than preset when
Between, if it exceeds preset distance or time, then determine that user has used automobile within a preset time.
Step S103, the time and the time without using automobile for using automobile in the given time according to user, according to
Charging standard using automobile and the standard without using automobile calculate the car insurance expense of user in the given time.
In the present embodiment, step S103 can be executed by computing module 213.
Step S104 judges whether the car insurance expense of user in the predetermined time is more than first threshold expense, if super
It crosses, executes step S105 if be not above and maintain calculated result.
In the present embodiment, step S104 can be executed by judgment module 212.
Step S105, the car insurance expense using first threshold expense as user in the given time.
In the present embodiment, step S105 can be executed by computing module 213.
Step S106, judges whether the car insurance expense of user in the predetermined time is lower than second threshold expense, if low
In execution step S107 maintains calculated result if be not above.
In the present embodiment, step S106 can be executed by judgment module 212.
Step S107, the car insurance expense using second threshold expense as user in the given time.
In the present embodiment, step S107 can be executed by computing module 213.
Since the corresponding principle of each step illustrates in the functional module for executing the step, herein no longer to each step
Suddenly it is repeated.
In conclusion the embodiment of the invention provides a kind of car insurance calculation method, device and service terminals, by connecing
The location information for the automobile that the onboard diagnostic system on user's automobile is sent is received to judge whether user uses in the given time
Automobile is crossed, the time and the time without using automobile for using automobile in the given time according to user, according to using automobile
Charging standard and the standard without using automobile calculate the car insurance expense of user in the given time.The present invention being capable of needle
The case where using automobile to user, takes vehicle insurance expense different charging standards, and the expense that user pays has higher benefit
With rate, user experience is higher.
In several embodiments provided herein, it should be understood that disclosed device and method can also pass through
Other modes are realized.The apparatus embodiments described above are merely exemplary, for example, flow chart and block diagram in attached drawing
Show the device of multiple embodiments according to the present invention, the architectural framework in the cards of method and computer program product,
Function and operation.In this regard, each box in flowchart or block diagram can represent the one of a module, section or code
Part, a part of the module, section or code, which includes that one or more is for implementing the specified logical function, to be held
Row instruction.It should also be noted that function marked in the box can also be to be different from some implementations as replacement
The sequence marked in attached drawing occurs.For example, two continuous boxes can actually be basically executed in parallel, they are sometimes
It can execute in the opposite order, this depends on the function involved.It is also noted that every in block diagram and or flow chart
The combination of box in a box and block diagram and or flow chart can use the dedicated base for executing defined function or movement
It realizes, or can realize using a combination of dedicated hardware and computer instructions in the system of hardware.
In addition, each functional module in each embodiment of the present invention can integrate one independent portion of formation together
Point, it is also possible to modules individualism, an independent part can also be integrated to form with two or more modules.
It, can be with if the function is realized and when sold or used as an independent product in the form of software function module
It is stored in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, server or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), arbitrary access are deposited
The various media that can store program code such as reservoir (RAM, Random Access Memory), magnetic or disk.It needs
Illustrate, herein, relational terms such as first and second and the like be used merely to by an entity or operation with
Another entity or operation distinguish, and without necessarily requiring or implying between these entities or operation, there are any this realities
The relationship or sequence on border.Moreover, the terms "include", "comprise" or its any other variant are intended to the packet of nonexcludability
Contain, so that the process, method, article or equipment for including a series of elements not only includes those elements, but also including
Other elements that are not explicitly listed, or further include for elements inherent to such a process, method, article, or device.
In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including the element
Process, method, article or equipment in there is also other identical elements.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, for the skill of this field
For art personnel, the invention may be variously modified and varied.All within the spirits and principles of the present invention, made any to repair
Change, equivalent replacement, improvement etc., should all be included in the protection scope of the present invention.It should also be noted that similar label and letter exist
Similar terms are indicated in following attached drawing, therefore, once being defined in a certain Xiang Yi attached drawing, are then not required in subsequent attached drawing
It is further defined and explained.
Claims (10)
1. a kind of car insurance calculation method is applied to service terminal, which is characterized in that the service terminal and onboard diagnostics system
System communication connection, the car insurance calculation method include:
Receive the location information for user's automobile that the onboard diagnostic system uploads；
Judge whether user used automobile in the given time according to the location information；
The time and the time without using automobile for using automobile in the given time according to user, according to the charge for using automobile
Standard and the standard without using automobile calculate the car insurance expense of user in the given time.
2. car insurance calculation method according to claim 1, which is characterized in that the method also includes:
Whether the car insurance expense for judging user in the predetermined time is more than first threshold expense；
When calculate user in the predetermined time car insurance expense be more than first threshold expense when, using first threshold expense as
Car insurance expense of the user within the predetermined time.
3. car insurance calculation method according to claim 2, which is characterized in that the predetermined time is one month, institute
The time for using automobile in the given time according to user and the time without using automobile are stated, according to the charge mark for using automobile
It is quasi- and without the standard using automobile, calculating in the given time the car insurance expense of user the step of include:
When user used automobile in one day, the same day is divided into the number of days using automobile, when user does not make in one day
When used automobile, be divided into the number of days of unused automobile the same day；
According to every month using the number of days of automobile and using the number of days of automobile, according to one day charging standard and one using automobile
It calculates the car insurance expense of user in the given time without the standard using automobile；
The first threshold expense is calculated by the following formula to obtain:
X=20 × A+10 × B
Wherein, X is first threshold expense, and A is one day toll price using automobile, and B is the pay demand note of one day unused automobile
Valence.
4. car insurance calculation method according to claim 3, which is characterized in that the method also includes:
Judge whether the car insurance expense of user in the predetermined time is lower than second threshold expense；
When calculating the car insurance expense of user in the predetermined time lower than second threshold expense, using second threshold expense as
Car insurance expense of the user within the predetermined time.
5. car insurance calculation method according to claim 4, which is characterized in that the second threshold expense passes through following
Formula is calculated:
Y=6 × A+24 × B
Wherein, Y is second threshold expense, and A is one day toll price using automobile, and B is the pay demand note of one day unused automobile
Valence.
6. a kind of car insurance computing device is applied to service terminal, which is characterized in that the service terminal and onboard diagnostics system
System communication connection, the car insurance computing device include:
Receiving module, for receiving the location information for user's automobile that the onboard diagnostic system uploads；
Judgment module, for judging whether user used automobile in the given time according to the location information；
Computing module, the time for using automobile in the given time according to user and the time without using automobile, according to
Charging standard using automobile and the standard without using automobile calculate the car insurance expense of user in the given time.
7. car insurance computing device according to claim 6, which is characterized in that the judgment module is also used to judge pre-
Whether the car insurance expense of interior user of fixing time is more than first threshold expense；
When the car insurance expense for calculating user in the predetermined time is more than first threshold expense, the computing module is also used to
Car insurance expense using first threshold expense as user within the predetermined time.
8. car insurance computing device according to claim 7, which is characterized in that the predetermined time is one month, institute
Stating car insurance computing device further includes division module, for when user used automobile in one day, the same day to be divided into
When automobile was not used in one day in user be divided into the number of days of unused automobile the same day using the number of days of automobile；
The computing module is also used to be used using the number of days of automobile and using the number of days of automobile according to one day according to every month
The charging standard of automobile and one day standard without using automobile, calculate the car insurance expense of user in the given time；
The first threshold expense is calculated by the following formula to obtain:
X=20 × A+10 × B
Wherein, X is first threshold expense, and A is one day toll price using automobile, and B is the pay demand note of one day unused automobile
Valence.
9. car insurance computing device according to claim 8, which is characterized in that the judgment module is also used to judge pre-
Whether the car insurance expense of interior user of fixing time is lower than second threshold expense；
When calculating the car insurance expense of user in the predetermined time lower than second threshold expense, the computing module is also used to
Car insurance expense using second threshold expense as user within the predetermined time；
The second threshold expense is calculated by the following formula to obtain:
Y=6 × A+24 × B
Wherein, Y is second threshold expense, and A is one day toll price using automobile, and B is the pay demand note of one day unused automobile
Valence.
10. a kind of service terminal, which is characterized in that the service terminal and onboard diagnostic system communicate to connect, and the service is eventually
End includes:
Memory；
Processor；And
Car insurance computing device, the car insurance computing device be installed in the memory and including one or more by
The software function module that the processor executes, the car insurance computing device include:
Receiving module, for receiving the location information for user's automobile that the onboard diagnostic system uploads；
Judgment module, for judging whether user used automobile in the given time according to the location information；
Computing module, the time for using automobile in the given time according to user and the time without using automobile, according to
Charging standard using automobile and the standard without using automobile calculate the car insurance expense of user in the given time.
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| CN201710554522.XA CN109214930A (en) | 2017-07-07 | 2017-07-07 | Car insurance calculation method, device and service terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710554522.XA CN109214930A (en) | 2017-07-07 | 2017-07-07 | Car insurance calculation method, device and service terminal |
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| CN109214930A true CN109214930A (en) | 2019-01-15 |
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| CN201710554522.XA Pending CN109214930A (en) | 2017-07-07 | 2017-07-07 | Car insurance calculation method, device and service terminal |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110415127A (en) * | 2019-06-14 | 2019-11-05 | 云米汇保险代理有限公司 | A kind of property right vehicle multimode insurance charge system based on Internet of Things |
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