M2M (machine to machine) is an intelligent communication centered on intelligent interaction of machine terminals. Simply put, data is transferred between machines and machines. In recent years, with the great development of the mobile Internet, M2M technology has not been limited to machines, but has expanded to between machines and people, people and machines. At the same time, M2M has become the most widely used technology in all areas of smart cities with its important supporting role in the Internet of Things.

There are three main reasons for the impact on M2M technology: First, embedded sensors, which can identify changes and communicate with them. Embedded sensors can be installed not only in mobile devices, but also in any other object; second, image recognition, which can identify people, objects or buildings; third is near field communication. It can transmit data and send it to the mobile network.

With the development of M2M technology, a series of interesting business models and unprecedented service models have emerged. For example, Orange Business Services provides international connectivity and integration services. Many small businesses are also very active. Many new services come from small businesses. They constantly ask new questions and combine new knowledge with new development trends. Therefore, these small businesses have received much attention and received support. However, regardless of the big business or small business, everyone's goal is the same, that is to develop the application potential of this new technology in the future. M2M technology is coming, can smart cities be far behind?

PAYD (pay-as-you-drive) is priced according to the number of miles traveled by the insured vehicle. The insurance company gives the vehicle a larger mileage factor when pricing, or directly according to the owner. The premium per kilometer is multiplied by the number of miles traveled by the insured during the insurance period to calculate the actual premium payable by the owner. Among them, the calculation of the premium per kilometer comprehensively considers the traffic accident record, the claim record, the nature of the vehicle use, etc. from the vehicle factor and the age, gender, driving age, occupation and other factors of the owner. The mileage of underwriting vehicles is generally confirmed by the following measures: First, the number of mileage reported by the owner is low. This measure is less accurate and mainly applies to the case where the mileage factor is not heavy. Second, the technical verification, the insurance company passes The communication device accessing the data port of the in-vehicle information system of the insured vehicle records or transmits the data related to the driving of the vehicle; the third is the third-party verification, and the third-party institution unanimously approved by the insurance company and the vehicle owner reviews the ingested vehicle odometer reading.

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