基于车联网大数据的UBI系统研究

摘要

在大数据和车联网时代背景下,提出了基于大数据的车联网保险系统的研究,即基于驾驶行为的车辆保险系统(Usage-Based Insurance,UBI)。该系统在智能车载终端OBD的应用、车辆数据收集、驾驶行为信息存储及处理、数据分析建模的基础上给出了合理的车险预测方案,并针对用户个性化服务进行了模块化的系统分析和处理。此外,在驾驶行为分析研究的基础上,给出了车险预测模型和UBI车险定价策略。系统的分析结果表明,在车联网大数据时代下的UBI系统在车险行业有很好的应用前景。%Under the era background of Big Data and IOV ( Internet of Vehicle) ,the research on the insurance system for IOV based on Big Data is carried out and the UBI ( Usage-Based Insurance) system is proposed. The proper scheme of forecasting automobile insur-ance is presented through equipping the vehicle with OBD (On-Board Diagnostics),collecting the vehicle data,storing and processing the information about driving behavior,modeling the analysis on data by UBI system. The modular system is analyzed and processed in terms of personalized service of users. In addition,on the basis of analyzing the driving behavior,the model of forecasting the automobile insurance and the pricing policy of UBI are proposed. The analysis results show that the UBI system is of broad and potential application prospects in the field of automobile insurance in the era of Big Data.