Fee setting method and device based on data processing and computer equipment

Abstract

The invention relates to the technical field of data analysis, and discloses a fee setting method and device based on data processing and computer equipment, and the method comprises the steps of receiving a vehicle insurance formulating request initiated by a user, and inquiring a driving track and driving operation data of the user in a preset time period according to user information extracted from the vehicle insurance formulating request; performing gridding processing on the driving track of the driving map to obtain a plurality of grids; analyzing a sub-driving track and sub-driving operation data of the user in each grid, and determining an optimal driving label of the user in each grid according to an analysis result; determining the driving scores of the corresponding grids according to the optimal driving labels of the grids, accumulating the driving scores of the grids to obtain the driving score of the user, determining the vehicle insurance premium of the user, realizing refined analysis of the driving style of the user, so that the risk assessment of vehicle insurance is more perfect and scientific, and the accuracy of the vehicle insurance premium is improved.

Description

technical field [0001] The present application relates to the technical field of data analysis, in particular to a data processing-based fee setting method, device and computer equipment. Background technique [0002] After purchasing a vehicle, the user generally needs to purchase insurance for the vehicle. In addition to the compulsory traffic insurance that must be paid, the user usually also purchases other commercial insurance. At present, the traditional insurance products in the auto insurance market mainly use the static insurance of the vehicle. However, risks are often caused by human factors, and personal risk factors are complex and diverse, and information asymmetry has become a common problem. For example, the insurance company cannot know the driver's driving behavior, and the policyholder may hide personal information to obtain benefits. Therefore, the pricing model of traditional insurance products is very unreasonable. [0003] With the development of the...

AI Technical Summary

Problems solved by technology

[0002] After purchasing a vehicle, the user generally needs to purchase insurance for the vehicle. In addition to the compulsory traffic insurance that must be paid, the user usually also purchases other commercial insurance. At present, the traditional insurance products in the auto insurance market mainly use the static insurance of the vehicle. To evaluate the insurance premium of vehicles, such as vehicle model, manufacturer, vehicle age, etc., but the risk is often caused by human factors, and personal risk factors are complex and diverse, and information asymmetry has become a common problem

For example, the insurance company cannot know the driver's driving behavior, and the policyholder may hide personal information to obtain benefits

Therefore, the pricing model of traditional insurance products is very unreasonable

[0003] With the development of the Internet of Vehicles, more and more Internet of Vehicles technologies are being used in the insurance industry. Therefore, innovative insurance products based on UBI (Usage Based Insurance) have emerged, but the current UBI is priced by mileage, which has serious defects. For example, people who drive often have good driving skills and habits, and have a lot of mileage, but the probability of accident is low; people who rarely drive have a higher probability of accident, so this pricing method makes the accuracy of the set vehicle insurance premium lower.

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