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Driver risk assessment model training method and device and risk assessment method and device

A technology of risk assessment model and driver model, which is applied in the field of driver risk assessment, can solve problems such as single data source, low data collection rate, and inability to accurately price auto insurance, and achieve the effect of accurate auto insurance pricing, classification and scoring

Inactive Publication Date: 2018-09-04
BEIJING AUTOMOBILE RES GENERAL INST +1
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In related technologies, there is auto insurance with premiums determined based on driver behavior. When current auto insurance is priced, the reference data source is single, such as only including mobile phone Global Positioning System (Global Positioning System, GPS) data, and the data collection rate is low. , unable to accurately price auto insurance

Method used

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  • Driver risk assessment model training method and device and risk assessment method and device
  • Driver risk assessment model training method and device and risk assessment method and device
  • Driver risk assessment model training method and device and risk assessment method and device

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Embodiment Construction

[0059] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with aspects of the present application as recited in the appended claims.

[0060] figure 1 It is a flowchart of a driver risk assessment model training method provided by an embodiment of the present application. see figure 1 , the method of this embodiment may include:

[0061] Step 11. Obtain sample data; the sample data contains multiple data sources, and each data source contains at least one dimension of data; multiple data sources include GPS data, car...

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Abstract

The invention relates to a driver risk assessment model training method and device and a risk assessment method and device. According to the invention, data corresponding to dimensions required by a driver model is obtained from various data resources, wherein the data sources comprise GPS data, vehicle-mounted box data, traffic data, weather data, driver data, map data and insurance accident occurrence data, the data sources are very rich, the data for assessment is more comprehensive based on the data sources, and the driver type and score outputted by a trained machine learning classification model can reflect the level of each type of drivers. In addition, the data sources comprise the insurance accident occurrence data, the driver score is comprehensively calculated by giving a weightto the data of each dimension of the driver model, so that the obtained driver type and score are more accurate, and the vehicle insurance price set according to the model is more accurate.

Description

technical field [0001] The present application relates to the technical field of driver risk assessment, in particular to a driver risk assessment model training, risk assessment method and device. Background technique [0002] With the increase of road vehicles, traffic accidents on the road occur frequently. In order to reduce losses, most vehicles are covered by auto insurance. In related technologies, there is auto insurance with premiums determined based on driver behavior. When current auto insurance is priced, the reference data source is single, such as only including mobile phone Global Positioning System (Global Positioning System, GPS) data, and the data collection rate is low. , unable to accurately price auto insurance. Contents of the invention [0003] In order to overcome the problems existing in related technologies at least to a certain extent, the present application provides a driver risk assessment model training, risk assessment method and device. ...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/08
CPCG06Q10/0635G06Q40/08
Inventor 杨海军侯玉鹏
Owner BEIJING AUTOMOBILE RES GENERAL INST
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