CN113570470A - Rapid management system for automobile insurance - Google Patents
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Abstract
The invention discloses a rapid management system for automobile insurance, and relates to the technical field of insurance business management. The invention comprises the following steps: the triggering module is used for applying for insurance affairs; the data acquisition unit is used for acquiring automobile information; the interconnection unit acquires the associated information through the automobile information; the confirming unit confirms the insurance affair; the identification unit uploads an identification result to the controller and sends the identification result to the client through the controller; and the data acquisition unit starts to acquire the automobile information after the controller receives the application of the trigger module. According to the automobile information acquisition system, the automobile information is acquired through the data acquisition unit and uploaded to the controller, and the data acquisition unit starts to acquire the automobile information after the controller receives the application of the trigger module, so that the calculation amount of the data is reduced on the basis of reducing the risk of automobile information leakage, and sufficient data amount support is provided for data analysis; comprehensive data acquisition, analysis of vehicle driving state, risk assessment, accident confirmation and the like.
Description
Technical Field
The invention belongs to the technical field of insurance business management, and particularly relates to a rapid management system for automobile insurance.
Background
At present, automobiles are increasingly used, automobile insurance is almost indispensable, most of the existing technologies only serve for insurance acceptance and claim settlement record information, monitoring and statistics on insurance vehicles, driving states and the like are lacked, and insurance is a large industry of the current society, is a tool for planning life finance, and is a basic means for risk management under the market economic condition.
For example, chinese patent CN103150675B discloses a risk monitoring system for automobile insurance, in which a vehicle-mounted risk monitoring device collects automobile risk data and sends the data to a risk monitoring center; the risk database server stores risk data of the automobile; and the risk evaluation server outputs the insurance accident risk index of the automobile and/or the insurance fee pricing of the automobile to the vehicle-mounted risk monitoring equipment assembled on the automobile according to the risk data acquired by the automobile in real time, and monitors and evaluates the risk of automobile insurance.
The existing monitoring system also serves insurance companies to report related business data, financial data and the like, and carries out accurate and targeted supervision on the lack of potential risks, so that the risk supervision efficiency of the car insurance industry is lower and the supervision effect is poorer, for example, Chinese patent CN112801528A discloses a car insurance risk monitoring method, a device, a storage medium and computer equipment, and car insurance policy data of each insurance company is collected on a national car insurance information platform; and generating risk monitoring index data through the vehicle insurance policy data of each insurance company to obtain the classified supervision indexes of the insurance companies and the classified supervision grades of the risks to which the insurance companies belong, thereby improving the risk supervision efficiency and the risk supervision effect of the vehicle insurance industry.
Also, chinese patents CN108711036A, CN111861763A, CN112070619A, etc. all relate to the supervision of insurance data, but lack of comprehensive data collection, resulting in single management.
Disclosure of Invention
The invention aims to provide a quick management system for automobile insurance, which shortens the tedious and complicated process of the existing insurance claim settlement, comprehensively collects and analyzes the information of vehicles through a data collection unit and solves the problem of the prior background technology.
In order to solve the technical problems, the invention is realized by the following technical scheme:
the invention relates to a rapid management system for automobile insurance, which comprises: the trigger module is used for applying for insurance affairs, the lengthy and complicated process of the existing insurance claim settlement is shortened by one-key triggering, and the time for applying for triggering is marked as the triggering time, so that the user is not required to delay the working time for processing, paperless office work is realized, the processing efficiency is improved, and the problem that the time and the labor are wasted in the traffic accident insurance claim settlement which cannot be determined on the spot of an accident are solved; the data acquisition unit is used for acquiring automobile information and uploading the automobile information to the controller; the interconnection unit acquires the associated information through the automobile information; the confirming unit is used for confirming the insurance affairs according to the automobile information and the associated information; the identification unit uploads an identification result to the controller and sends the identification result to the client through the controller; and the data acquisition unit starts to acquire the automobile information after the controller receives the application of the trigger module, so that the data calculation amount is reduced.
Further, the data acquisition unit includes: the sensor module is used for acquiring the driving state of the automobile, wherein the driving state comprises an emergency braking state, a normal driving state and an abnormal driving state; the positioning module is used for acquiring the position of the automobile in real time; the image acquisition module is used for acquiring image information of the automobile and the periphery of the automobile through the camera; and the information calling module is used for calling insurance information corresponding to the automobile, and the insurance information comprises corresponding insurance companies and insurance varieties.
Further, the sensor module comprises an acceleration sensor and a gravity sensor which are installed on the automobile; the acceleration sensor is used for acquiring acceleration values of the automobile in the moving direction at intervals of preset time T1, and the gravity sensor is used for acquiring acceleration values of the automobile in the gravity direction at intervals of preset time T1; the sensor module acquires the driving state of the automobile through the acquired information, and the acquisition method comprises the following steps: acquiring an acceleration value in the moving direction of the automobile and an acceleration value in the gravity direction which are the five times closest to the triggering moment;
calculating the average value of the acceleration values in the moving direction of the automobile in the last five times, and recording the average value as Vy;
calculating the average value of the acceleration values in the direction of the gravity of the automobile in the last five times, and recording as Vz;
marking the acceleration value in the moving direction of the automobile which is the latest time from the triggering moment as Vym and the acceleration value in the gravity direction as Vzm;
a stable value Vd of the vehicle is calculated,
when Vd ≧ V1, the driving state of the automobile is an abnormal driving state;
when X2 ≦ Vd < V1, the driving state of the automobile is an emergency braking state;
when Vd < X2, the driving state of the automobile is a normal driving state;
wherein, 0.739 and 0.261 are preset weights, and X1 and X2 are preset thresholds.
Further, the method for the interconnection unit to obtain the associated information through the automobile information comprises the following steps:
step S001: calling position information of the automobile at the triggering moment;
step S002: image information collected by all cameras of a square circle X3 kilometers at the position is called through the position information of the automobile; images near the accident are directly locked, the calculation amount of data is reduced, accurate monitoring is realized, and accurate and effective image information is obtained;
step S003: locking the image information of the automobile and the image information of the periphery thereof from the image information acquired in step S002;
step S004: calling a related automobile closest to the automobile from the peripheral image information;
step S005: acquiring license plate information of a related automobile, and acquiring related information according to the license plate information;
the associated information comprises the driving state of the associated automobile, the corresponding insurance company and the corresponding dangerous species, and can be submitted on line without running back and forth by personnel, and the data acquired by the system ensures that the rights and interests of the insurance company and the user can be unified, so that the system is more fair and reasonable;
wherein, X3 is a preset value.
Further, the step of locking the image information of the automobile and the image information of the periphery thereof in the step S003 is:
the position information of the automobile within the time of T2 from the triggering moment is obtained to form the automobile running track, so that the collected information is more comprehensive and clear, and the post-processing is convenient;
the driving track is marked by the position of the camera:
acquiring positioning data of an automobile, forming a first track, and dividing the first track into a plurality of track sections with equal distances;
respectively acquiring the cameras on each track section, taking a connecting line between every two cameras as an automobile running track, and marking the automobile running track as a first automobile running track;
locking image information acquired by a camera on a track section where the automobile is located at the triggering moment as image information of the automobile and image information of the periphery of the automobile; if the track section is not provided with the camera, the image information acquired by the camera on the previous track section is used as the image information of the automobile and the image information of the periphery of the automobile;
wherein, T2 is a preset value.
Further, when the license plate information of the associated automobile cannot be obtained from the image information around the automobile, the forward step is performed:
step T001: acquiring a track of the associated automobile and marking the track as the associated track; the associated track is marked with the position of the camera:
step T002: acquiring positioning data of the associated automobile to form a second track, and dividing the second track into a plurality of second track sections with equal distances, wherein the dividing mode is the same as that of the first track;
step T003: respectively acquiring the cameras on each second track section, taking the connecting line between every two cameras as the running track of the associated automobile, and marking the running track as a second automobile running track;
step T004: acquiring a cross point of a first automobile driving track and a second automobile driving track, and marking the cross point as a forward pushing point;
step T005: the method comprises the steps of obtaining a first track section and a second track section where a forward pushing point is located, obtaining cameras on the two track sections, and calling image information collected by the cameras, so that collected information is more comprehensive and clear, and post-processing is facilitated;
step T006: and extracting the license plate information of the associated automobile from the image information in the step T005.
Further, the step of identifying the insurance affairs by the identifying unit according to the automobile information and the associated information is as follows:
the method comprises the following steps: the identification unit calls insurance companies and dangerous species corresponding to the automobile from a local database through the controller;
step two: the identification unit calls an accident identification book after the triggering moment from a shared database through a controller;
step three: and extracting the main responsible party in the accident subscription book, and associating the insurance company and the dangerous species corresponding to the automobile of the main responsible party.
Further, the triggering module is also used for acquiring insurance companies and dangerous seeds corresponding to the vehicles from the data acquisition unit.
Further, the identification unit is also used for risk assessment, and the assessment steps are as follows:
acquiring a stable value Vd of the automobile;
acquiring the times of Vd ≧ V1 in one year, and marking the times as Z1;
obtaining the number of times within one year that X2 ≦ Vd < V1, and marking it as Z2;
acquiring the number of Vd < X2 in one year, and marking the number as Z3;
acquiring the number of times of using the trigger module in one year, and marking the number as Z4;
the risk values are:
wherein β + λ ═ 1, and λ > β;
the greater the risk value, the higher the risk of accident for the car.
Furthermore, the triggering module adopts a triggering button, the triggering button is installed on the automobile, and a user starts application of insurance affairs by pressing the triggering button.
The invention has the following beneficial effects:
according to the automobile information acquisition system, the automobile information is acquired through the data acquisition unit and uploaded to the controller, and the data acquisition unit starts to acquire the automobile information after the controller receives the application of the trigger module, so that the calculation amount of the data is reduced on the basis of reducing the risk of automobile information leakage, and sufficient data amount support is provided for data analysis; comprehensive data acquisition, analysis of vehicle driving state, risk assessment, accident confirmation and the like.
Of course, it is not necessary for any product in which the invention is practiced to achieve all of the above-described advantages at the same time.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic diagram of a fast management system for automobile insurance according to the present invention;
fig. 2 is a schematic structural diagram of a data acquisition unit according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The first embodiment is as follows:
referring to fig. 1-2, the present invention is a fast management system for automobile insurance, comprising:
the trigger module is used for applying for insurance affairs and triggering by one key, simplifies the claim settlement process and marks the time for applying for triggering as the triggering time; as an embodiment of the present invention, preferably, the data acquisition unit includes: the sensor module is used for acquiring the driving state of the automobile, wherein the driving state comprises an emergency braking state, a normal driving state and an abnormal driving state; the positioning module is used for acquiring the position of the automobile in real time; the image acquisition module is used for acquiring image information of the automobile and the periphery of the automobile through the camera; the information calling module is used for calling insurance information corresponding to the automobile, and the insurance information comprises corresponding insurance companies and dangerous varieties; the interconnection unit acquires the associated information through the automobile information; the confirming unit is used for confirming the insurance affairs according to the automobile information and the associated information; the identification unit uploads an identification result to the controller and sends the identification result to the client through the controller; and the data acquisition unit starts to acquire the automobile information after the controller receives the application of the trigger module.
In the traditional vehicle insurance claim accountability process, corresponding claim specialists perform manual processing according to corresponding accident types, the processing procedure is complex, the efficiency is low, and the understanding of different claim specialists on claim terms is inconsistent, so that the standard of claim settlement is inconsistent, the deviation of human subjective factors on the accountability process is difficult to avoid, and great inconvenience is brought to vehicle insurance claim settlement.
The method comprises the following steps: the identification unit calls insurance companies and dangerous species corresponding to the automobile from a local database through the controller;
step two: the identification unit calls an accident identification book after the triggering moment from a shared database through a controller;
step three: and extracting the main responsible party in the accident subscription book, and associating the insurance company and the dangerous species corresponding to the automobile of the main responsible party.
As an embodiment provided by the present invention, preferably, the triggering module is further configured to obtain insurance companies and dangerous seeds corresponding to the vehicle from the data acquisition unit.
As an embodiment provided by the present invention, preferably, the trigger module adopts a trigger button, the trigger button is installed on the automobile, and the user starts application of insurance affairs by pressing the trigger button, so that not only is the user not required to delay working time for processing, but also paperless office work is realized, the processing efficiency is improved, and the problem that the insurance settlement of traffic accidents is time-consuming and labor-consuming in the accident scene under the on-site rule is solved.
Example two:
the sensor module comprises an acceleration sensor and a gravity sensor which are arranged on the automobile; the acceleration sensor is used for acquiring acceleration values of the automobile in the moving direction at intervals of preset time T1, and the gravity sensor is used for acquiring acceleration values of the automobile in the gravity direction at intervals of preset time T1; the sensor module acquires the driving state of the automobile through the acquired information, so that the driving data of the accident vehicle is formed and stored, and a basis is provided for responsibility judgment, and the acquisition method comprises the following steps: acquiring an acceleration value in the moving direction of the automobile and an acceleration value in the gravity direction which are the five times closest to the triggering moment;
calculating the average value of the acceleration values in the moving direction of the automobile in the last five times, and recording the average value as Vy;
calculating the average value of the acceleration values in the direction of the gravity of the automobile in the last five times, and recording as Vz;
marking the acceleration value in the moving direction of the automobile which is the latest time from the triggering moment as Vym and the acceleration value in the gravity direction as Vzm;
a stable value Vd of the vehicle is calculated,
when Vd ≧ V1, the driving state of the automobile is an abnormal driving state;
when X2 ≦ Vd < V1, the driving state of the automobile is an emergency braking state;
when Vd < X2, the driving state of the automobile is a normal driving state;
wherein, 0.739 and 0.261 are preset weights, and X1 and X2 are preset thresholds.
As an embodiment provided by the present invention, preferably, the identifying unit is further used for risk assessment, and is also convenient for individuals to know their own insurance risk assessment report and restrict driving habits, and the evaluating steps are as follows:
acquiring a stable value Vd of the automobile;
acquiring the times of Vd ≧ V1 in one year, and marking the times as Z1;
obtaining the number of times within one year that X2 ≦ Vd < V1, and marking it as Z2;
acquiring the number of Vd < X2 in one year, and marking the number as Z3;
acquiring the number of times of using the trigger module in one year, and marking the number as Z4;
the risk values are:
wherein β + λ ═ 1, and λ > β;
the greater the risk value, the higher the risk of accident for the car.
Example three:
the method for obtaining the associated information by the interconnection unit through the automobile information comprises the following steps:
step S001: calling position information of the automobile at the triggering moment;
step S002: image information collected by all cameras of a square circle X3 kilometers at the position is called through the position information of the automobile; images near the accident are directly locked, the calculation amount of data is reduced, accurate monitoring is realized, and accurate and effective image information is obtained;
step S003: locking the image information of the automobile and the image information of the periphery thereof from the image information acquired in step S002;
step S004: the related automobile closest to the automobile is called from the peripheral image information, the accuracy of accident responsibility judgment is further improved through the acquisition of the image information, the accident responsibility judgment can be submitted on line without the need of running back and forth of personnel, and the data acquired by the system ensures that the rights and interests of insurance companies and users can be unified, so that the system is fairer and more reasonable;
step S005: the method comprises the steps of obtaining license plate information of a related automobile and obtaining related information according to the license plate information, wherein in the process of checking the traditional vehicle insurance claim, corresponding claim experts generally perform manual processing according to corresponding insurance claim terms, so that errors of grade information are avoided, and by combining the system for collecting information, the accuracy of data can be greatly improved, and the error probability is reduced;
the associated information comprises the driving state of the associated automobile, the corresponding insurance company and the dangerous species, so that the claim settlement effect and various information are more comprehensive;
wherein, X3 is a preset value.
As an embodiment of the present invention, it is preferable that the step of locking the image information of the automobile and the image information of the periphery thereof in the step S003 is:
acquiring the position information of the automobile within the time T2 from the triggering moment to form an automobile running track;
the driving track is marked by the position of the camera:
acquiring positioning data of an automobile, forming a first track, and dividing the first track into a plurality of track sections with equal distances;
respectively acquiring the cameras on each track section, taking a connecting line between every two cameras as an automobile running track, and marking the automobile running track as a first automobile running track;
locking image information acquired by a camera on a track section where the automobile is located at the triggering moment as image information of the automobile and image information of the periphery of the automobile; if the track section is not provided with the camera, the image information acquired by the camera on the previous track section is used as the image information of the automobile and the image information of the periphery of the automobile and is used for assisting an information management system for internal control and combing business processes;
wherein, T2 is a preset value.
As an embodiment provided by the present invention, preferably, when the license plate information of the associated vehicle is not obtained from the image information around the vehicle, the step of forwarding is performed:
step T001: acquiring a track of the associated automobile and marking the track as the associated track; the associated track is marked with the position of the camera:
step T002: acquiring positioning data of the associated automobile to form a second track, and dividing the second track into a plurality of second track sections with equal distances, wherein the dividing mode is the same as that of the first track;
step T003: respectively acquiring the cameras on each second track section, taking the connecting line between every two cameras as the running track of the associated automobile, and marking the running track as a second automobile running track;
step T004: acquiring a cross point of a first automobile driving track and a second automobile driving track, and marking the cross point as a forward pushing point;
step T005: acquiring a first track section and a second track section where a forward pushing point is located, acquiring cameras on the two track sections, and calling image information acquired by the cameras;
step T006: and (3) extracting the license plate information of the associated automobile from the image information in the step T005, wherein the accuracy of the policy data is improved to 100 percent, the operation efficiency of data management of the agent company is improved to a great extent, the error rate of registration of the policy data is effectively reduced, and the policy data registration method has better practical value.
A rapid management system for automobile insurance collects automobile information through a data collection unit and uploads the automobile information to a controller, and the data collection unit starts to collect the automobile information after the controller receives an application of a trigger module, so that the calculation amount of data is reduced on the basis of reducing the risk of automobile information leakage, and sufficient data amount support is provided for data analysis; comprehensive data acquisition, the analysis of the vehicle driving state of being convenient for, the aassessment of risk, the affirmation of accident etc. do not need personnel to run back and forth, alright submit on the net, the data of this system collection has guaranteed that insurance company and user's rights and interests can obtain unifying, and is equitable rationalization more.
In the description herein, references to the description of "one embodiment," "an example," "a specific example" or the like are intended to mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The preferred embodiments of the invention disclosed above are intended to be illustrative only. The preferred embodiments are not intended to be exhaustive or to limit the invention to the precise embodiments disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, to thereby enable others skilled in the art to best utilize the invention. The invention is limited only by the claims and their full scope and equivalents.
Claims (10)
1. A rapid management system for automobile insurance, characterized by comprising:
the trigger module is used for applying for insurance affairs and marking the time of applying for triggering as the triggering time;
the data acquisition unit is used for acquiring automobile information and uploading the automobile information to the controller;
the interconnection unit acquires the associated information through the automobile information;
the confirming unit is used for confirming the insurance affairs according to the automobile information and the associated information;
the identification unit uploads an identification result to the controller and sends the identification result to the client through the controller;
and the data acquisition unit starts to acquire the automobile information after the controller receives the application of the trigger module.
2. The rapid management system for automobile insurance according to claim 1, wherein the data acquisition unit comprises:
the sensor module is used for acquiring the driving state of the automobile, wherein the driving state comprises an emergency braking state, a normal driving state and an abnormal driving state;
the positioning module is used for acquiring the position of the automobile in real time;
the image acquisition module is used for acquiring image information of the automobile and the periphery of the automobile through the camera;
and the information calling module is used for calling insurance information corresponding to the automobile, and the insurance information comprises corresponding insurance companies and insurance varieties.
3. The system according to claim 2, wherein the sensor module comprises an acceleration sensor and a gravity sensor mounted on the vehicle;
the acceleration sensor is used for acquiring acceleration values of the automobile in the moving direction at intervals of preset time T1, and the gravity sensor is used for acquiring acceleration values of the automobile in the gravity direction at intervals of preset time T1;
the sensor module acquires the driving state of the automobile through the acquired information, and the acquisition method comprises the following steps:
acquiring an acceleration value in the moving direction of the automobile and an acceleration value in the gravity direction which are the five times closest to the triggering moment;
calculating the average value of the acceleration values in the moving direction of the automobile in the last five times, and recording the average value as Vy;
calculating the average value of the acceleration values in the direction of the gravity of the automobile in the last five times, and recording as Vz;
marking the acceleration value in the moving direction of the automobile which is the latest time from the triggering moment as Vym and the acceleration value in the gravity direction as Vzm;
a stable value Vd of the vehicle is calculated,
when Vd ≧ V1, the driving state of the automobile is an abnormal driving state;
when X2 ≦ Vd < V1, the driving state of the automobile is an emergency braking state;
when Vd < X2, the driving state of the automobile is a normal driving state;
wherein, 0.739 and 0.261 are preset weights, and X1 and X2 are preset thresholds.
4. The system according to claim 1, wherein the method for the interconnection unit to obtain the associated information through the vehicle information comprises:
step S001: calling position information of the automobile at the triggering moment;
step S002: image information collected by all cameras of a square circle X3 kilometers at the position is called through the position information of the automobile;
step S003: locking the image information of the automobile and the image information of the periphery thereof from the image information acquired in step S002;
step S004: calling a related automobile closest to the automobile from the peripheral image information;
step S005: acquiring license plate information of a related automobile, and acquiring related information according to the license plate information;
the associated information comprises the driving state of the associated automobile, the corresponding insurance company and the dangerous species;
wherein, X3 is a preset value.
5. The rapid management system for automobile insurance of claim 4, wherein the step of locking the image information of the automobile and the image information of the periphery thereof in the step S003 is:
acquiring the position information of the automobile within the time T2 from the triggering moment to form an automobile running track;
the driving track is marked by the position of the camera:
acquiring positioning data of an automobile, forming a first track, and dividing the first track into a plurality of track sections with equal distances;
respectively acquiring the cameras on each track section, taking a connecting line between every two cameras as an automobile running track, and marking the automobile running track as a first automobile running track;
locking image information acquired by a camera on a track section where the automobile is located at the triggering moment as image information of the automobile and image information of the periphery of the automobile; if the track section is not provided with the camera, the image information acquired by the camera on the previous track section is used as the image information of the automobile and the image information of the periphery of the automobile;
wherein, T2 is a preset value.
6. The system according to claim 5, wherein when the license plate information of the associated vehicle is not obtained from the image information of the vehicle periphery, the step of forwarding is performed:
step T001: acquiring a track of the associated automobile and marking the track as the associated track; the associated track is marked with the position of the camera:
step T002: acquiring positioning data of the associated automobile to form a second track, and dividing the second track into a plurality of second track sections with equal distances, wherein the dividing mode is the same as that of the first track;
step T003: respectively acquiring the cameras on each second track section, taking the connecting line between every two cameras as the running track of the associated automobile, and marking the running track as a second automobile running track;
step T004: acquiring a cross point of a first automobile driving track and a second automobile driving track, and marking the cross point as a forward pushing point;
step T005: acquiring a first track section and a second track section where a forward pushing point is located, acquiring cameras on the two track sections, and calling image information acquired by the cameras;
step T006: and extracting the license plate information of the associated automobile from the image information in the step T005.
7. The system for rapidly managing automobile insurance according to claim 1, wherein the step of the identifying unit identifying the insurance transaction according to the automobile information and the associated information comprises:
the method comprises the following steps: the identification unit calls insurance companies and dangerous species corresponding to the automobile from a local database through the controller;
step two: the identification unit calls an accident identification book after the triggering moment from a shared database through a controller;
step three: and extracting the main responsible party in the accident subscription book, and associating the insurance company and the dangerous species corresponding to the automobile of the main responsible party.
8. The rapid management system for automobile insurance according to claim 1, wherein the triggering module is further configured to obtain insurance companies and dangerous species corresponding to the vehicle from the data acquisition unit.
9. The rapid management system for automobile insurance as claimed in claim 3, wherein the identification unit is further used for risk assessment, and the assessment steps are:
acquiring a stable value Vd of the automobile;
acquiring the times of Vd ≧ V1 in one year, and marking the times as Z1;
obtaining the number of times within one year that X2 ≦ Vd < V1, and marking it as Z2;
acquiring the number of Vd < X2 in one year, and marking the number as Z3;
acquiring the number of times of using the trigger module in one year, and marking the number as Z4;
the risk values are:
wherein β + λ ═ 1, and λ > β;
the greater the risk value, the higher the risk of accident for the car.
10. The system of claim 8, wherein the trigger module is a trigger button, the trigger button is installed on the vehicle, and the user starts application of insurance transaction by pressing the trigger button.
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