Data processing method, apparatus and system for auto insurance service

Abstract

The embodiments of the present application disclose a data processing method, an apparatus and a system for an auto insurance service. The method includes: acquiring a predetermined field of an auto insurance user, matching a human attribute variable of the auto insurance user and a value corresponding to the human attribute variable according to the predetermined field; and based on the human attribute variable and the corresponding value, generating an auto insurance standard score according to a preset calculation manner; and sending the auto insurance standard score to a first server. With the embodiments of the present application, by introducing the attribute information including the driver into the risk prediction of the auto insurance, the risk assessment of the auto insurance can be evaluated more accurately, comprehensively and uniformly with reference to the standardization.

Description

technical field [0001] The present application belongs to the technical field of computer data processing, and in particular relates to a data processing method, device and system for auto insurance business. Background technique [0002] With the increase of vehicle ownership year by year, the auto insurance business volume of various insurance companies also increases. [0003] At present, the existing auto insurance business of insurance companies mainly relies on the attribute information of the vehicle itself to conduct pricing modeling, and formulate auto insurance services for different insured vehicles to provide to users. For example, according to the appearance of the insured vehicle, vehicle purchase year, vehicle mileage, NCD (No Claim Discount, NCD, the annual renewal premium is adjusted according to the insured's experience and claim record, if there is no claim within the insurance period. File a claim, renew your policy, and enjoy a premium discount from the...

AI Technical Summary

Problems solved by technology

The applicant found that the existing factors that can affect whether the vehicle is in danger and the cost of the accident can also include other aspects, such as the natural environment where the vehicle is located, and the frequent driving road conditions. The assessment will have great limitations, and the risk identification is not comprehensive enough, so it will reduce the accuracy of the insurance company's auto insurance underwriting and pricing

In addition, different insurance companies often formulate a variety of different auto insurance businesses. Even for the same insured vehicle information, due to differences in vehicle company backgrounds, business structures, and market tendencies, the underwriting businesses given by different insurance companies often vary. there is a big difference

Therefore, the industry still lacks a common reference standard for different insurance companies to formulate auto insurance business, so as to narrow the gap in business standards for insurance companies to formulate auto insurance business for consumers

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