智能UBI系统研究

Research on Smart Usage-based Insurance System

随着车联网行业的发展,越来越多车险相关的车辆数据将会为车险行业的发展提供数据支持。文中首次提出的基于3C(Carrier-Cloud-Client,管-云-端)架构的智能UBI(Usage-Based Insurance)系统考虑了云、大数据和泛在通信等技术。智能UBI系统从信息感知、初步数据处理、数据传输、数据分析、数据挖掘等方面进行层次化分析。此外,针对驾驶行为安全等级的评定,文中提出了驾驶行为评分机制并设计了保费计算原则,在此基础上进行了基于驾驶行为的动态保费机制分析,为车险投保人提供差异化保费。系统测试结果表明,智能UBI系统为车险投保人提供了合理的差异化车险费率,增强了车主道路安全驾驶意识,为保险公司带来了更大的利润。

With the increasing availability of vehicle data for vehicle insurance service,it is viable for insurance companies and consumers to collect,analyze and mine data for bettering understanding of driving behavior. It is the first time to develop a smart usage- based insurance system with the overall carrier- cloud- client architecture according to the cloud,big data and ubiquitous communication technology. Furthermore,the presented innovative and hierarchical framework spans from information sensing,preliminary data processing,data transmission,data analysis and data mining. In addition,with the adoption of data provided by the combination of the carrier and cloud,a dynamic insurance premium mechanism is favorable to make insurance consumers enjoy addition discounts or surcharges on the basis of driving scoring mechanism and UBI pricing principle. The smart usage- based insurance system is believed to be sustainable because of reasonable and differentiate insurance premium for consumers,safe driving awareness enhancement for road safety and overall insurance profit improvement for insurance companies.