Declaration form generates system and methodTechnical field
The present invention relates to declaration form generation system and method, more particularly to a declaration form generation system on automobile, it is obtainedWith the use habit according to driver, the generation of intelligent optimization ground meets the declaration form option of self-demand.
Background technology
Automobile is widely used in daily life as the vehicles of modernization, and automobile causes people'sTrip life is more convenient, and to meet allegro life style, automobile plays indispensable role in the life of people.With the popularization of automobile, the species of the insurance of automobile also by variation, to meet automobile demand for insurance in use.It is manyThe kind of insurance of sample causes that people are felt more relieved using automobile, because unavoidably there is traffic thing during automobile useTherefore or auto parts and components the maintenance problem such as loss, and insurance can reduce automobile application risk.With the swift and violent hair of automobile industryExhibition, diversified car insurance will also serve market, meet people and select different insurance types according to the demand of oneself.
Car insurance species on the market, generally comprises pressure danger and optional danger, wherein optional danger is further at presentIncluding vehicle loss danger, the 3rd liability insurance, driver passenger's personal accidental death and injury insurance, natural loss danger, disregard free contributing danger, glassThe various insurance types such as danger, full car robber danger, vehicle body cut danger.But not to the parts of automobile in the insurance of this classInsurance, such as tire, other parts such as brake, engine, speed changer, brake block are single as the kind of insurance.AsFor driver, especially new hand, due to the driving habit or severe driving road conditions of mistake under, automobile is non-in useOften easily cause the loss of auto parts and components.Different people is due to the difference of driving habit, or drives the difference of road conditions, can be to notSame auto parts and components cause loss.Although the parts of automobile have certain quality guarantee time, automaker is in actual inspectionDuring survey, it is difficult to prolonged guarantee is provided to the parts of easy loss, so this needs to undertake height for human pilotHigh maintenance risk, improves cost of use.
The content of the invention
A purpose of the invention is to provide a kind of declaration form generation system and method, and its parts for being able to monitor automobile existsThe loss situation of the different driving habit of driver and road conditions, by the contrast with initial data, automatically generates declaration form.
Another object of the present invention is to provide a kind of declaration form generation system and method, the declaration form generation system includes oneMonitoring unit, the monitoring unit is able to monitor respectively the different parts on automobile, and the data obtained by monitoring are counted with one respectivelyThe initial data in unit is contrasted according to statistics, then automatically generates the declaration form of rationalization.
Another object of the present invention is to provide a kind of declaration form generation system and method, the declaration form generation system includes oneAdjustment unit, the insured or insurance company can voluntarily adjust the option content of declaration form according to the actual requirements, strengthen practicality.
Another object of the present invention is to provide a kind of declaration form generation system and method, the monitoring unit includes one group of prisonPart and a data acquisition part are surveyed, located at monitored parts, the data acquisition part is used to gather institute each monitoring partThe Monitoring Data of monitoring part is stated, the data acquisition part Electricity Federation is in the data inputs.
Another object of the present invention is to provide a kind of declaration form generation system and method, the data statistics unit includes oneData inputs and a contrast data module, the dataware are described for receiving the Monitoring Data of the monitoring unitThe Monitoring Data is analyzed and generates declaration form by correction data module with the initial data.
Another object of the present invention is to provide a kind of declaration form generation system and method, the correction data module includes oneMantenance data module and one use data module, the mantenance data module is the personal maintenance record of user, described to makeWith the maintenance record that data module is 4S shops or each parts of maintenance store, the mantenance data module and the use numberAccording to the data of both modules as initial data, for being analyzed with the Monitoring Data.
Another object of the present invention is to provide a kind of declaration form generation system and method, the regulating part includes that one first adjustsSection part and one second regulating part, the insured adjust the declaration form option content of the parts by first regulating part；InstituteThe declaration form option content that insurance company adjusts the parts by second regulating part is stated, insured person or insurance company are able toThe suitable declaration form of oneself is chosen in regulation respectively.
To realize object above, a declaration form generates system, for the insurance of auto parts and components, including a monitoring unit,The monitoring unit is located at monitored parts, for monitoring the real-time loss of the parts；One data statistics unit,The data statistics unit includes a data inputs and a contrast data module, and the dataware is for the reception prisonThe Monitoring Data of unit is surveyed, the correction data module is by the Monitoring Data and be stored in the correction data moduleInitial data analyzes and generates declaration form.
In a preferred embodiment, wherein declaration form generation system includes an adjustment unit, the insured or insurance are publicTake charge of the option content that the declaration form is adjusted by the adjustment unit.
In a preferred embodiment, wherein the monitoring unit includes one group of monitoring part and a data acquisition part, respectivelyThe monitoring part is located at monitored parts, and the data acquisition part is used to gather the Monitoring Data of the monitoring part, describedData acquisition part Electricity Federation is in the data inputs.
In a preferred embodiment, wherein the correction data module uses number including a maintenance data module and oneAccording to module, the mantenance data module is used to be input into the mantenance data of the parts, and the use data module is for defeatedEnter the production rating data of the parts, the mantenance data and the production rating data are used as initial data.
In a preferred embodiment, wherein the adjustment unit includes that one first adjustment unit and one second regulation are singleUnit, the insured adjusts the declaration form by first regulating part；The related admissibility staff of the insurance company is by described theTwo regulating parts adjust declaration form.
In a preferred embodiment, wherein adjustment unit includes a display part, and the display part is used to show generationThe information of declaration form.
The method that one declaration form generation system generates declaration form, including：
A, the loss that each parts on automobile are monitored by a monitoring unit；
B, by a data statistics unit, Monitoring Data is made with the mantenance data and production rating data of parts respectivelyContrast, generates the declaration form；
C, the option content that declaration form is adjusted by an adjustment unit.
In a preferred embodiment, wherein the step a further includes a step：A.1, one group of monitoring part is located atThe monitored parts, the Monitoring Data that a data acquisition part feeds back for monitoring part described in collection analysis.
In a preferred embodiment, wherein the step b further includes a step：B.1, by data inputs electricityThe data acquisition part is coupled to, the Monitoring Data and initial data are done comparative analysis by the data inputs, and generate guarantorIt is single.
In a preferred embodiment, wherein the step b.1 in the data statistics unit further include a pairThan data module, the correction data module uses data module, the Monitoring Data including a maintenance data module and oneAnalyzed with the mantenance data and production rating data, for the applicable declaration form of generation.
In a preferred embodiment, the adjustment unit in the step c includes a regulating part and a display part,The regulating part for adjusting the option content of the declaration form, the display part for display generation the declaration form.
In a preferred embodiment, the regulating part includes one first regulating part and one second regulating part, the insuredThe declaration form is adjusted by first regulating part, the related admissibility staff of the insurance company is adjusted by second regulating partSection declaration form.
Brief description of the drawings
Fig. 1 and Fig. 2 are schematic block diagrams according to a preferred embodiment of the present invention.
Fig. 3 is the flow chart of declaration form generation middle according to a preferred embodiment of the present invention.
Fig. 4 is declaration form generation interface schematic diagram according to a preferred embodiment of the present invention.
Specific embodiment
Hereinafter describe for disclosing the present invention so that those skilled in the art can realize the present invention.It is excellent in below describingEmbodiment is selected to be only used as citing, it may occur to persons skilled in the art that other obvious modifications.Define in the following descriptionGeneral principle of the invention can apply to other embodiments, deformation program, improvement project, equivalent and without the back of the bodyFrom the other technologies scheme of the spirit and scope of the present invention.
As illustrated, declaration form generation system 1 is able to the loss according to each parts of monitoring automobile and automatically generates symbolThe declaration form of insurer or insurance company is closed, the declaration form generation system 1 is by monitoring custom or vapour of the driver in drivingThe road conditions of car traveling, monitor the loss situation of each parts, data and the initial data of monitoring be analyzed after fromDynamic generation declaration form.Wherein the insured or company of insuring are able to the demand according to oneself respectively, adjust the choosing of insuring of the partsItem content.In other words, for the insured, for new hand driver, some wrong driving habits will be damaged seriouslyThe bad parts, so the insured wishes correspondingly to select declaration form content according to the actual conditions of oneself, and it is easy to someThe declaration form amount of money of the parts for damaging is improved, and reduces the use cost of oneself.And for insurance company, by monitoringData can be correspondingly improved or reduce insured amount, reduce insurance risk, increase benefit.
The declaration form generation system 1 includes a monitoring unit 10, a data statistics unit 20 and an adjustment unit 30, drivesDuring driving, the monitoring unit 10 is able to monitor each described parts on automobile, such as the wheel of automobile the person of sailingThe parts such as tire, brake, engine, speed changer, brake block, and Monitoring Data is fed back in the data statistics unit 20.It is selective that wherein described monitoring unit 10 monitors the parts, and user can be zero according to needed for the selection monitoring of oneself demandThe loss situation of part, and then select corresponding declaration form.The insured or insurance company are able to pass through institute according to actual conditions respectivelyThe species or insured amount for stating the insured option of 30 pairs of declaration forms of adjustment unit are changed accordingly, to meet actual needAsk.
The monitoring unit 10 includes one group of data acquisition part 12 of monitoring part 11 and, and each monitoring part 11 sets respectivelyIn monitored each auto parts and components, the monitoring part 11 is able to the loss situation of each parts of real-time monitoring, and will prisonData transfer to the data acquisition part 12 is surveyed, the data acquisition part 12 is used to carry out data summarization analysis.Driver is openingDuring electrical automobile, each monitoring part 11 is able to the working condition in monitoring, when automobile is in the working condition of traveling, each instituteState monitoring part 11 and be able to the loss situation of the parts that real time record is monitored, and Monitoring Data is real-time transmitted to the dataCollection part 12, the integration for data is compared.It is each it is described monitoring part 11 be able to be located at tire respectively, brake, engine,The parts of the daily well damage such as speed changer, brake block, for monitoring the option of insuring required for the declaration form.
The data statistics unit 20 includes a data inputs 21 and a contrast data module 22, the monitoring unitThe Monitoring Data of each described parts that 10 monitorings are obtained is transferred to the data inputs 21.The data inputs 21 connectThe Monitoring Data for receiving, and carry out Data Comparison with the initial data in the correction data module 22.Wherein described dataContrast can be understood as monitoring 11 pairs of Monitoring Datas of part and the original number being stored in the correction data module 22According to being analyzed.Wherein described initial data is the maintenance number of each described parts that other maintenace points such as 4S shops are obtainedAccording to or each parts production loss parameter enter.The Monitoring Data and the contrast of initial data, reflect each partsLoss situation, and then determine the insured amount of the insured parts.The insured or insurance company are able to according to each describedThe difference of the extent of deterioration of parts, the setting of insuring for being matched so that benefit.The correction data module 22Data module 222 is used including a maintenance data module 221 and, user is by the maintenance of 4S shops or other auto repair websitesData are all summarized in the mantenance data module 221, and the mantenance data module 221 is able to by the data of input integrate divideAnalysis, and the repair and replacement frequency of each parts in different types of vehicle is counted, for raw data base as a comparison.The use data module 222 is able to store the production loss parameter of each parts, and the production loss parameter can be managedSolve as the specified setting of each parts is lost parameter.By the mantenance data module 221 and the use data mouldBlock 222 both as initial data, after Analysis on monitoring data contrast, can reflect exactly driver driving habit orThe traveling road conditions of automobile, the driver during driving, by the road conditions that oneself operating habit or automobile are exercisedCause the loss to each parts.And insurer or insurance company refer to these Monitoring Datas, it is able to formulation and meets oneselfThe declaration form of demand, strives for that number one is maximized.
Wherein described adjustment unit 30 includes a regulating part 31 and a display part 32, and the insured or insurer officer are logicalThe option content that the regulating part 31 adjusts the declaration form is crossed, wherein the option content includes the amount of money, the insured items of declaration formDeng declaration form parameter.The display part 32 is able to show the policy information for having generated, and is easy to user to be directly viewable.The regulating part31 include one first regulating part 311 and one second regulating part 312, and the insured is able to be used for by first regulating part 311Adjust the option content of the declaration form；The related declaration form setting personnel of the insurance company are able to by second regulating part312 option contents for being used to adjust the declaration form.
Driver after declaration form generation system 1 is assembled, when driver starts the vehicle, each monitoring part 11 pairsThe parts of the automobile are in monitoring state.When automobile starting, the monitoring part 11 respectively to brake, engine, fromThe automobiles such as clutch are in related components during starting state, and the loss state of each parts is monitored respectively；When the carDuring road traveling, it is related zero that the monitoring part 11 is able to monitoring tire, brake block, speed changer and circuit system etc.The monitoring of part.
It is noted that the monitoring part 11 is not limited by the use of parts, it is able to according to user's request to requiredThe parts to be monitored install the monitoring part 11, and the real-time loss data of the parts are monitored for obtaining.Each instituteState monitoring part 11 and monitor the data that obtain and all feed back in the data acquisition part 12, the data acquisition part 12 is able to carry out dataIntegration classification, and be finally transferred to the data inputs 21, the data statistics unit 20 is able to the Monitoring DataIt is analyzed, and declaration form is automatically generated according to the frequency of the loss of the parts.The data acquisition part 12 is according to adoptingThe Monitoring Data for collecting is able to analyze the driving habit of driver, such as one frequency of the loss of parts is more than this zeroThe loss frequency of the production standard of part, illustrates that the driver can cause the loss of the parts due to some wrong driving habitsImprove, increase the use cost of automobile.On the other hand, the data statistics unit 20 also can be according to analyze data, to driving carTraveling road conditions make contrast, user can reasonably select track according to analyze data, and one ensures the good of automobileUse habit.According to the analyze data of the data statistics unit 20, driver can also improve oneself maintenance to automobile, noteAnticipate the bad driving habit of oneself.
The insured or insurance company are able to check that the declaration form generates the declaration form that system 1 is generated by the display part 32Content options, show the relevant informations such as the insured amount and the proportion of goods damageds of each parts, for declaration form adjustment reference according toAccording to.
The method that the declaration form generation system 1 generates the declaration form：100th, it is located at by a monitoring unit 10 and is used for prisonEach auto parts and components surveyed, for monitoring the loss of the parts；200th, by a data statistics unit 20, by the prisonSurvey data to be compared with the ordinary maintenance data of parts and the nominal loss data of production, generate the declaration form；300th, pass throughOne adjustment unit 30 adjusts the option content of declaration form.
Wherein, the step 100 further includes a step：101st, by one group of monitoring part 11 located at monitored described zeroPart, the Monitoring Data that a data acquisition part 12 feeds back for monitoring part 11 described in collection analysis.
Wherein, the step 200 further includes a step：201st, the Electricity Federation of a data inputs 21 is adopted in the dataCollection part 12, the data inputs 21 generate declaration form for the Monitoring Data and initial data are done into comparative analysis.InstituteState the data statistics unit 20 in step 201 and further include a contrast data module 22, the correction data module 22Data module 222 is used including a maintenance data module 221 and, the Monitoring Data and the mantenance data and use numberAccording to analysis of making comparisons, for the applicable declaration form of generation.
Wherein, the adjustment unit 30 in the step 300 includes a regulating part 31 and a display part 32, the tunePart is saved for adjusting the option content of the declaration form, the declaration form that the display part 32 is generated for display.The tuneSection part 31 includes one first regulating part 311 and one second regulating part 312, and the insured is adjusted by first regulating part 311The declaration form；The related admissibility staff of the insurance company adjusts declaration form by second regulating part 312.
It should be understood by those skilled in the art that the embodiments of the invention shown in foregoing description and accompanying drawing are only used as citingAnd it is not intended to limit the present invention.The purpose of the present invention completely and is effectively realized.Function of the invention and structural principle existShow in embodiment and illustrate, under without departing from the principle, embodiments of the present invention can have any deformation or modification.