[1]彭江琴,刘南杰,赵海涛,等. 智能 UBI 系统研究[J].计算机技术与发展,2016,26(01):142-146.
　PENG Jiang-qin,LIU Nan-jie,ZHAO Hai-tao,et al. Research on Smart Usage-based Insurance System[J].,2016,26(01):142-146.
点击复制

 智能 UBI 系统研究()
分享到：

《计算机技术与发展》[ISSN:1006-6977/CN:61-1281/TN]

卷:
26
期数:
2016年01期
页码:
142-146
栏目:
应用开发研究
出版日期:
2016-01-10

文章信息/Info

Title:
 Research on Smart Usage-based Insurance System
文章编号:
1673-629X（2016)01-0142-05
作者:
 彭江琴; 刘南杰; 赵海涛; 于明鹭
 1.南京邮电大学 通信与信息工程学院；2.南京邮电大学 网络基因工程研究所
Author(s):
 PENG Jiang-qin; LIU Nan-jie; ZHAO Hai-tao; YU Ming-lu
关键词:
 ; GID; 泛在通信; 云; 车险保费
Keywords:
 ; Global Intelligent iDentity; ubiquitous communication; cloud; vehicle insurance premium
分类号:
TN911
文献标志码:
A
摘要:
 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。
Abstract:
 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 insur-ance 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 trans-mission,data analysis and data mining. In addition,with the adoption of data provided by the combination of the carrier and cloud,a dy-namic 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.

相似文献/References:

[1]张志宏,吴庆波,邵立松,等.基于飞腾平台TOE协议栈的设计与实现[J].计算机技术与发展,2014,24(07):1.
　ZHANG Zhi-hong,WU Qing-bo,SHAO Li-song,et al. Design and Implementation of TCP/IP Offload Engine Protocol Stack Based on FT Platform[J].,2014,24(01):1.
[2]梁文快,李毅. 改进的基因表达算法对航班优化排序问题研究[J].计算机技术与发展,2014,24(07):5.
　LIANG Wen-kuai,LI Yi. Research on Optimization of Flight Scheduling Problem Based on Improved Gene Expression Algorithm[J].,2014,24(01):5.
[3]黄静,王枫,谢志新,等. EAST文档管理系统的设计与实现[J].计算机技术与发展,2014,24(07):13.
　HUANG Jing,WANG Feng,XIE Zhi-xin,et al. Design and Implementation of EAST Document Management System[J].,2014,24(01):13.
[4]侯善江[],张代远[][][]. 基于样条权函数神经网络P2P流量识别方法[J].计算机技术与发展,2014,24(07):21.
　HOU Shan-jiang[],ZHANG Dai-yuan[][][]. P2P Traffic Identification Based on Spline Weight Function Neural Network[J].,2014,24(01):21.
[5]李璨,耿国华,李康,等. 一种基于三维模型的文物碎片线图生成方法[J].计算机技术与发展,2014,24(07):25.
　LI Can,GENG Guo-hua,LI Kang,et al. A Method of Obtaining Cultural Debris’ s Line Chart Based on Three-dimensional Model[J].,2014,24(01):25.
[6]翁鹤,皮德常. 混沌RBF神经网络异常检测算法[J].计算机技术与发展,2014,24(07):29.
　WENG He,PI De-chang. Chaotic RBF Neural Network Anomaly Detection Algorithm[J].,2014,24(01):29.
[7]刘茜[],荆晓远[],李文倩[],等. 基于流形学习的正交稀疏保留投影[J].计算机技术与发展,2014,24(07):34.
　LIU Qian[],JING Xiao-yuan[,LI Wen-qian[],et al. Orthogonal Sparsity Preserving Projections Based on Manifold Learning[J].,2014,24(01):34.
[8]尚福华,李想,巩淼. 基于模糊框架-产生式知识表示及推理研究[J].计算机技术与发展,2014,24(07):38.
　SHANG Fu-hua,LI Xiang,GONG Miao. Research on Knowledge Representation and Inference Based on Fuzzy Framework-production[J].,2014,24(01):38.
[9]叶偲,李良福,肖樟树. 一种去除运动目标重影的图像镶嵌方法研究[J].计算机技术与发展,2014,24(07):43.
　YE Si,LI Liang-fu,XIAO Zhang-shu. Research of an Image Mosaic Method for Removing Ghost of Moving Targets[J].,2014,24(01):43.
[10]余松平[][],蔡志平[],吴建进[],等. GSM-R信令监测选择录音系统设计与实现[J].计算机技术与发展,2014,24(07):47.
　YU Song-ping[][],CAI Zhi-ping[] WU Jian-jin[],GU Feng-zhi[]. Design and Implementation of an Optional Voice Recording System Based on GSM-R Signaling Monitoring[J].,2014,24(01):47.

更新日期/Last Update: 2016-04-13