CN106204282A - A kind of data processing method and device - Google Patents
A kind of data processing method and device Download PDFInfo
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- CN106204282A CN106204282A CN201510221013.6A CN201510221013A CN106204282A CN 106204282 A CN106204282 A CN 106204282A CN 201510221013 A CN201510221013 A CN 201510221013A CN 106204282 A CN106204282 A CN 106204282A
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Abstract
The invention discloses a kind of data processing method and device, wherein the method includes: receive the instruction of the instruction data input that user triggers；Default input control is transferred according to instruction；Utilize the input control transferred, corresponding acquisition insurer's parameter and environment factor；According to described insurer's parameter and environment factor, determine the traffic delay danger rate of correspondence according to preset algorithm；Traffic delay danger rate according to determining determines indemnity.The embodiment of the present invention dynamically adjusts suitable traffic delay danger rate based on practical situation, the mode of the insurance premium rate fixing relative to existing employing, more can improve the motility of application, thus can relatively improve reasonability and the accuracy of traffic delay danger.
Description
Technical field
The invention belongs to communication technical field, particularly relate to a kind of data processing method and device.
Background technology
Along with developing rapidly of Internet technology, daily life becomes increasingly abundant, and is the most increasingly subject to simultaneously
To ensureing.Such as, current people are gone on a journey by the various vehicles (such as aircraft, high ferro, motor-car), as
Can not arrive at, come into force, to ensure the interests of people in traffic delay danger on schedule；Wherein, traffic delay
Danger refers to that insurer (passenger) is delayed insurance contract regulation according to exterior traffic instrument on schedule, (protects to the insurer
Danger company) premium payment, when the vehicles of contract engagement are delayed situation generation, the insurer's (insurance
Company) pay the business insurance behavior of insurance money according to the appointment.
To in the research of prior art and practice process, it was found by the inventors of the present invention that due to flight, height
Ferrum etc., low during height during the delay probability of flight time train number, but insurance premium rate is fixing, i.e. buys this and protects
The insurance premium rate of danger is just as, and therefore cannot dynamically adjust insurance premium rate according to practical situation, flexibly
Property is the highest, and comparatively speaking, the insurance premium rate accuracy obtained is the lowest.
Summary of the invention
It is an object of the invention to provide a kind of data processing method and device, it is intended to full user oriented presents respectively
The service condition of individual flow package, improves the accuracy of display result.
For solving above-mentioned technical problem, embodiment of the present invention offer techniques below scheme:
A kind of data processing method, including:
Receive the instruction of the instruction data input that user triggers；
According to described instruction, transfer default input control；
Utilize the described input control transferred, corresponding acquisition insurer's parameter and environment factor；
According to described insurer's parameter and described environment factor, determine that according to preset algorithm the traffic of correspondence is prolonged
Danger rate by mistake；
Traffic delay danger rate according to determining determines indemnity.
For solving above-mentioned technical problem, the embodiment of the present invention also provides for techniques below scheme:
A kind of data processing equipment, including:
Receiver module, for receiving the instruction of the instruction data input that user triggers；
Transfer module, for according to described instruction, transfer default input control；
Acquisition module, for utilizing the described input control transferred, corresponding acquisition insurer's parameter and environment
Factor；
First determines module, for according to described insurer's parameter and described environment factor, according to pre-imputation
Method determines the traffic delay danger rate of correspondence；
Second determines module, for determining indemnity according to the traffic delay danger rate determined.
Relative to prior art, the present embodiment, according to the insurer's parameter got, environment factor etc. some
Objective data, corresponding generation traffic delay danger rate, and determine indemnity according to traffic delay danger rate；
It is suitable that the embodiment of the present invention dynamically adjusts based on practical situation (as inferior in airplane flight, high ferro motor squad)
Traffic delay danger rate, the mode of the insurance premium rate fixing relative to existing employing, more can improve application
Motility, thus can relatively improve reasonability and the accuracy of traffic delay danger.
Accompanying drawing explanation
Below in conjunction with the accompanying drawings, by the detailed description of the invention of the present invention is described in detail, the skill of the present invention will be made
Art scheme and other beneficial effect are apparent.
Fig. 1 is the schematic flow sheet of the data processing method that first embodiment of the invention provides；
The schematic flow sheet of the data processing method that Fig. 2 provides for second embodiment of the invention；
The structural representation of the data processing equipment that Fig. 3 provides for fourth embodiment of the invention；
The structural representation of the data processing equipment that Fig. 4 provides for fifth embodiment of the invention；
The structural representation of the server that Fig. 5 provides for sixth embodiment of the invention.
Detailed description of the invention
Refer to graphic, the most identical element numbers represents identical assembly, and the principle of the present invention is with reality
The computing environment that Shi Yi is suitable illustrates.The following description is concrete based on the illustrated present invention
Embodiment, it is not construed as limiting other specific embodiment that the present invention is the most detailed herein.
In the following description, the specific embodiment of the present invention will be with reference to by performed by one or multi-section computer
Step and symbol illustrate, unless otherwise stating clearly.Therefore, these steps and operation will have mention for several times by
Computer performs, and computer as referred to herein performs to include by representing with the data in a structuring pattern
The operation of computer processing unit of electronic signal.This operation is changed these data or is maintained at this calculating
Position in the memory system of machine, it is reconfigurable or other with the side known to the tester of this area
Formula changes the running of this computer.The data structure that these data are maintained is the provider location of this internal memory, its
Have by particular characteristics defined in this data form.But, the principle of the invention illustrates with above-mentioned word,
It is not represented as a kind of restriction, and this area tester will appreciate that plurality of step and the behaviour of the following stated
Also may be implemented in the middle of hardware.
The principle of the present invention uses other wide usages many or specific purpose computing, communication environment or configuration to enter
Row operation.Known be suitable for the arithmetic system of the present invention, environment can include with the example of configuration (but not
It being limited to) hand-held phone, personal computer, server, multicomputer system, micro computer be main system, master
Architected computer and distributed computing environment, which includes any said system or device.
Term as used herein " module " can regard the software object as performing on this arithmetic system as.This
Different assemblies, module, engine and service described in literary composition can be regarded as the objective for implementation on this arithmetic system.
And device and method as herein described is preferably implemented in the way of software, the most also can be enterprising at hardware
Row is implemented, all within scope.
First embodiment
Refer to the schematic flow sheet that Fig. 1, Fig. 1 are the data processing methods that first embodiment of the invention provides.
Described method includes:
In step S101, receive the instruction of the instruction data input that user triggers.
In step s 102, according to described instruction, default input control is transferred.
In step s 103, the described input control transferred, corresponding acquisition insurer's parameter and ring are utilized
Border factor.
In step S104, according to described insurer's parameter and environment factor, determine according to preset algorithm
Corresponding traffic delay danger rate.
Wherein, described step S101 to step S104 can particularly as follows:
Described data processing method based on server run, server according to the insurer's parameter got,
Some objective datas such as environment factor, generate corresponding traffic delay danger rate, i.e. based on practical situation (as
Airplane flight, high ferro motor squad are inferior) dynamically adjust suitable traffic delay danger rate, thus can be relative
Ground improves the reasonability of traffic delay danger.
It is understood that described instruction data input instruction can by user by click on slip terminal (as
Desk computer, panel computer, mobile phone etc.) screen triggered, and terminal background server receives this instruction
After, terminal screen can jump to data entry page face, and transfers in this data entry page face and pre-set
It is available for user and carries out the input control of data input；It addition, in the present embodiment, described input control includes two
Type, a kind of for inputting insurer's parameter for user, another kind of for for user's input environment factor.
In the embodiment of the present invention, described insurer's parameter may include that insure the expense amount of money, the time of policy purchase, throwing
One or more combination in the parameters such as guarantor's credit grade, insurer's time cost information；Described ring
Border factor can include the information such as punctuality rate, weather condition, flow of personnel information, vehicles flowing information
In one or more combination, illustrate herein and do not constitute limitation of the invention.
In step S105, the traffic delay danger rate according to determining determines indemnity.
From the foregoing, the present embodiment provide data processing method, according to the insurer's parameter got,
Some objective datas such as environment factor, corresponding generation traffic delay danger rate, and take according to traffic delay danger
Rate determines indemnity；The embodiment of the present invention is based on practical situation (as inferior in airplane flight, high ferro motor squad)
Dynamically adjust suitable traffic delay danger rate, the mode of the insurance premium rate fixing relative to existing employing,
More can improve the motility of application, thus can relatively improve reasonability and the accuracy of traffic delay danger.
Second embodiment
Refer to the schematic flow sheet of the data processing method that Fig. 2, Fig. 2 provide for second embodiment of the invention.
Wherein, described data processing method based on server run, server according to the insurer's parameter got,
Some objective datas such as environment factor, generate corresponding traffic delay danger rate, i.e. based on practical situation (as
Airplane flight, high ferro motor squad are inferior) dynamically adjust suitable traffic delay danger rate, thus can be relative
Ground improves the reasonability of traffic delay danger.
Be different from first embodiment, the present embodiment mainly for according to described insurer's parameter and environment factor,
Determine the traffic delay danger rate of correspondence according to preset algorithm and determine that the process of indemnity is carried out in detail
Explanation.Described method includes:
In step s 201, insurer's parameter and environment factor are obtained.
Described insurer's parameter may include that the expense amount of money of insuring, the time of policy purchase, insurer's credit grade, throwing
One or more combination in the parameters such as guarantor's time cost information；Described environment factor can include standard
In the some information such as rate, weather condition, flow of personnel information, vehicles flowing information one or two with
Upper combination, illustrates herein and does not constitute limitation of the invention.
It is understood that can also include before obtaining insurer's parameter and environment factor: receive and use
The instruction of the instruction data input that family is triggered, transfers default input control according to instruction, thereafter, utilizes and adjust
The input control taken, corresponding acquisition insurer's parameter and environment factor；Wherein its detailed process refers to
The related content that one embodiment step S101 is explained to step S103, here is omitted.
In step S202, by each insurer's parameter and each environment factor respectively according to preset grading system
Determine corresponding factor v.
In step S203, obtain each insurer's parameter and weighted value corresponding to environment factor.
In step S204, according to described factor v and corresponding weighted value, generate traffic delay
Danger rate.
Wherein, described insurer's parameter and environment factor according to described step S202 to step S204,
A kind of preferred implementation of the traffic delay danger rate of correspondence is determined according to preset algorithm.
It is understood that preset grading system can be set according to actual application；
Such as: as a example by insurer's parameter, insured amount the biggest (but less than system intialization always compensate money
The upper limit), the compensation money obtained is the most；The time of policy purchase the most early, relative to the evening time of policy purchase, is obtained
The compensation money obtained is the most；Credit grade is the highest, and the compensation money obtained is the most, when credit grade is less than system
During pre-determined lower limit, then forbid that insurer insures；Insurer's time cost is the highest, and the compensation money obtained is the most
Etc., it is not especially limited herein.
For another example as a example by environment factor, it is delayed danger rate if traffic delay danger rate is airplane flight, the most permissible
According to this flight in the past history punctuality rate, the weather condition on the same day, airport situation (mobility status of personnel),
The factor Real-time and Dynamic such as air traffic control situation (mobility status of the vehicles) calculate and dynamically adjust, and hold
Being readily conceivable that, after point of purchase, rate calculates money clearing with Real-time and Dynamic at that time to insurer.Foregoing description is also
It is applicable to certain train number train (including high ferro, motor-car, train number long-distance bus, ordinary train etc.) or certain boat
Secondary passenger steamer etc., illustrates herein and does not constitute limitation of the invention.
The each grade of determination after having divided grade to each insurer's parameter and each environment factor more corresponding is corresponding
Factor v, say, that quantize each insurer's parameter and each environment factor, as individual believes
With coefficient, time cost coefficient, weather condition coefficient etc..
Thereafter, each insurer's parameter and weighted value corresponding to environment factor, wherein, this correspondence are obtained
Weighted value can pre-set, it is also possible to being set according to the demand of concrete scene, weighted value is used for
Adjust the proportion between each coefficient, be sized and can highlight or weaken corresponding factor of influence.
Preferably, the product of described factor v and corresponding weighted value is sued for peace, can obtain
Traffic delay danger rate.
In step S205, obtain the insured amount of insurer.
In step S206, determine basic indemnity according to described insured amount.
In step S207, according to described basic indemnity and described traffic delay danger rate, determine
The indemnity of insurer.
Wherein, described step S205 determines compensation to described traffic delay danger rate according to step S207
A kind of preferred implementation of volume.
It is further preferred that determine insurer indemnity can specially by described basic indemnity with
The product of traffic delay danger rate is defined as the indemnity of insurer.
From the foregoing, the present embodiment provide data processing method, according to the insurer's parameter got,
Some objective datas such as environment factor, corresponding generation traffic delay danger rate, and take according to traffic delay danger
Rate determines indemnity；The embodiment of the present invention is based on practical situation (as inferior in airplane flight, high ferro motor squad)
Dynamically adjust suitable traffic delay danger rate, the mode of the insurance premium rate fixing relative to existing employing,
More can improve the motility of application, thus can relatively improve reasonability and the accuracy of traffic delay danger.
3rd embodiment
Be different from the second embodiment, the present embodiment mainly for according to described insurer's parameter and environment factor,
Determine that according to preset algorithm the calculating process of the traffic delay danger rate of correspondence is described in detail.
In the embodiment of the present invention, the computing formula of traffic delay danger rate (can be called for short insurance premium rate) can be abstract
As follows:
Insurance premium rate=100%+a* weather conditions coefficient+b* airport (station) situation coefficient+c* (1
-history delay rate)+d* personal credit coefficient+e* time of policy purchase coefficient other coefficients of+f*
Wherein, a, b, c, d, e, f be weighted value, their span be [0 ,+∞).Power
Tuple value is for adjusting the proportion between each coefficient；It is contemplated that it is the most permissible
It is adjusted weighted value arranging, to highlight or to weaken corresponding factor of influence, thus forms different guarantors
Danger product, its concrete value is not especially limited by the present embodiment.
Further, weather conditions coefficient value scope is [0, M], and 0 represents the fine applicable flight of weather, M
Represent that weather is the most severe；
Airport (station) situation coefficient value scope is [0, N], and 0 represents that not control, N represent that control is serious；
It is (0,1) that history is delayed rate coefficient span, and 0 expression is not delayed, and 1 represents that order of classes or grades at school is cancelled；
Personal credit coefficient value scope be (0, P], 0 represents that personal credit is poor, and P represents and has a good credit；
Time of policy purchase coefficient value scope is [0, Q], and 0 represents the evening time of policy purchase, and Q represents that the time of policy purchase is early；
Other coefficients, as retaining numerical value, reserve for other parameters, and the citing of the most each coefficient is not as right
The restriction of the present invention.
Wherein, M, N, P, Q are grading system, it is possible to use 5 points of systems, ten point system or other hierarchies
To determine concrete numerical value.
In addition, it is necessary to explanation, weather conditions coefficient, airport (station) situation coefficient, individual's letter letter
With coefficient, time of policy purchase coefficient, need extra mapping function with actual situation, the most do not forgive
This class function or mapping table, only make remarks explanation, the most deeply launch herein.
Can be concrete, it is assumed that the corresponding basic indemnity of insured amount is 20 yuan.Bad weather is 2 points,
Air traffic control is 1 point, and history delay rate is 15%, and personal credit is 5 points, and time coefficient is 1.If boat
Class there occurs delay, then indemnity is calculated as follows:
Indemnity=20* (100%+a*2+b*1+c* (100%-15%)+d*5+e*1)
=107；
Wherein a=1, b=1, c=1, d=0.1, e=0.1, the then final getable compensation of user
Volume is 107 yuan.
The part the most not described in detail, may refer to retouching in detail above with respect to data processing method
Stating, here is omitted.
From the foregoing, the present embodiment provide data processing method, according to the insurer's parameter got,
Some objective datas such as environment factor, corresponding generation traffic delay danger rate, and take according to traffic delay danger
Rate determines indemnity；The embodiment of the present invention is based on practical situation (as inferior in airplane flight, high ferro motor squad)
Dynamically adjust suitable traffic delay danger rate, the mode of the insurance premium rate fixing relative to existing employing,
More can improve the motility of application, thus can relatively improve reasonability and the accuracy of traffic delay danger.
4th embodiment
For ease of preferably implementing the data processing method that the embodiment of the present invention provides, the embodiment of the present invention also carries
For a kind of device based on above-mentioned data processing method.Wherein in the implication of noun and above-mentioned data processing method
Identical, implement the explanation that details is referred in embodiment of the method.
Refer to the structural representation of the data processing equipment that Fig. 3, Fig. 3 provide for the embodiment of the present invention, its
Described in data processing equipment based on server run, server is according to the insurer's parameter got, ring
Some objective datas such as border factor, generate corresponding traffic delay danger rate, i.e. (like flying based on practical situation
Machine flight, high ferro motor squad are inferior) dynamically adjust suitable traffic delay danger rate, thus can be relatively
Improve the reasonability of traffic delay danger.
As it is shown on figure 3, data processing equipment of the present invention can include receiver module 301, transfer module
302, acquisition module 303, first determine that module 304 and second determines module 305.
Wherein, described receiver module 301, for receiving the instruction of the instruction data input that user triggers；Institute
State and transfer module 302, for according to described instruction, transfer default input control；Described acquisition module 303,
The described input control transferred for utilization, corresponding acquisition insurer's parameter and environment factor；
It is understood that described instruction data input instruction can by user by click on slip terminal (as
Desk computer, panel computer, mobile phone etc.) screen triggered, and terminal background server receives this instruction
After, terminal screen can jump to data entry page face, and transfers in this data entry page face and pre-set
It is available for user and carries out the input control of data input；It addition, in the present embodiment, described input control includes two
Type, a kind of for inputting insurer's parameter for user, another kind of for for user's input environment factor.
Described first determines module 304, for according to described insurer's parameter and environment factor, according in advance
Imputation method determines the traffic delay danger rate of correspondence；Described second determine module 305, for according to determining
Traffic delay danger rate determines indemnity.
In the embodiment of the present invention, described insurer's parameter may include that insure the expense amount of money, the time of policy purchase, throwing
One or more combination in the parameters such as guarantor's credit grade, insurer's time cost information；Described ring
Border factor can include the information such as punctuality rate, weather condition, flow of personnel information, vehicles flowing information
In one or more combination, illustrate herein and do not constitute limitation of the invention.
From the foregoing, the present embodiment provide data processing equipment, according to the insurer's parameter got,
Some objective datas such as environment factor, corresponding generation traffic delay danger rate, and take according to traffic delay danger
Rate determines indemnity；The embodiment of the present invention is based on practical situation (as inferior in airplane flight, high ferro motor squad)
Dynamically adjust suitable traffic delay danger rate, the mode of the insurance premium rate fixing relative to existing employing,
More can improve the motility of application, thus can relatively improve reasonability and the accuracy of traffic delay danger.
5th embodiment
Refer to the structural representation of the data processing equipment that Fig. 4, Fig. 4 provide for the embodiment of the present invention, its
Described in data processing equipment include: receiver module 401, transfer module 402, acquisition module 403, first
Determine that module 404 and second determines module 405, wherein, the merit of above-mentioned each functional module in this embodiment
Can effect can corresponding with reference to the described receiver module 301 in the 4th embodiment, transfer module 302, acquisition module
303, first determines that module 304 and second determines the associated description of module 305, does not repeats.
It is understood that insurer's parameter of the present invention may include that the expense amount of money of insuring, the time of policy purchase,
One or more combination in the parameters such as insurer's credit grade, insurer's time cost information；Described
Environment factor can include the letters such as punctuality rate, weather condition, flow of personnel information, vehicles flowing information
One or more combination in breath, illustrates herein and does not constitute limitation of the invention.
Preferably, described first determines that module 404 includes factor determination unit 4041, Weight Acquisition unit 4042
And signal generating unit 4043；For according to described insurer's parameter and environment factor, true according to preset algorithm
Fixed corresponding traffic delay danger rate；
Wherein said factor determination unit 4041, for pressing each insurer's parameter and each environment factor respectively
Corresponding factor v is determined according to preset grading system；Described Weight Acquisition unit 4042, is used for obtaining respectively
Insurer's parameter and weighted value corresponding to environment factor；Described signal generating unit 4043, for according to described
Factor v and corresponding weighted value, generate traffic delay danger rate.
It is understood that preset grading system can be set according to actual application；
Such as: as a example by insurer's parameter, insured amount is the biggest (but always compensates money less than system intialization
The upper limit), the compensation money obtained is the most；The time of policy purchase the most early, relative to the evening time of policy purchase, is obtained
Compensation money the most；Credit grade is the highest, and the compensation money obtained is the most, when credit grade is pre-less than system
Set in limited time, then forbid that insurer insures；Insurer's time cost is the highest, and the compensation money that obtained is the most etc.
Deng, it is not especially limited herein.
For another example as a example by environment factor, it is delayed danger rate if traffic delay danger rate is airplane flight, the most permissible
According to this flight in the past history punctuality rate, the weather condition on the same day, airport situation (mobility status of personnel),
The factor Real-time and Dynamic such as air traffic control situation (mobility status of the vehicles) calculate and dynamically adjust, and hold
Being readily conceivable that, after point of purchase, rate calculates money clearing with Real-time and Dynamic at that time to insurer.Foregoing description is also
It is applicable to certain train number train (including high ferro, motor-car, train number long-distance bus, ordinary train etc.) or certain boat
Secondary passenger steamer etc., illustrates herein and does not constitute limitation of the invention.
The each grade of determination after having divided grade to each insurer's parameter and each environment factor more corresponding is corresponding
Factor v, say, that quantize each insurer's parameter and each environment factor, as individual believes
With coefficient, time cost coefficient, weather condition coefficient etc..
Thereafter, each insurer's parameter and weighted value corresponding to environment factor, wherein, this correspondence are obtained
Weighted value can pre-set, it is also possible to being set according to the demand of concrete scene, weighted value is used for
Adjust the proportion between each coefficient, be sized and can highlight or weaken corresponding factor of influence.
Preferably, the product of described factor v and corresponding weighted value is sued for peace, can obtain
Traffic delay danger rate.
Further, described second determines that module 405 may include that acquiring unit 4051, first determines list
Unit 4052 and second determines unit 4053, for determining indemnity according to described traffic delay danger rate；
Wherein said acquiring unit 4051, for obtaining the insured amount of insurer；Described first determines unit
4052, for determining basic indemnity according to described insured amount；Described second determines unit 4053, uses
According to described basic indemnity and described traffic delay danger rate, determine the indemnity of insurer.
It is further preferred that described second determines unit 4053, can be specifically for by described basic indemnity
With the indemnity that the product of traffic delay danger rate is defined as insurer.
The part the most not described in detail, may refer to retouching in detail above with respect to data processing method
State, according to as described in insurer's parameter and environment factor determine the calculating of traffic delay danger rate of correspondence
Journey, can implement according to the computing formula of the 3rd embodiment and related content, and here is omitted.
From the foregoing, the present embodiment provide data processing equipment, according to the insurer's parameter got,
Some objective datas such as environment factor, corresponding generation traffic delay danger rate, and take according to traffic delay danger
Rate determines indemnity；The embodiment of the present invention is based on practical situation (as inferior in airplane flight, high ferro motor squad)
Dynamically adjust suitable traffic delay danger rate, the mode of the insurance premium rate fixing relative to existing employing,
More can improve the motility of application, thus can relatively improve reasonability and the accuracy of traffic delay danger.
Sixth embodiment
The embodiment of the present invention also provides for a kind of server, wherein can process with the data of the integrated embodiment of the present invention
Device, as it is shown in figure 5, it illustrates the structural representation of the server involved by the embodiment of the present invention, tool
From the point of view of body:
This server can include one or the processor 501, or of more than one process core
The memorizer 502 of above computer-readable recording medium, radio frequency (Radio Frequency, RF) circuit 503,
The parts such as power supply 504, input block 505 and display unit 506.It will be understood by those skilled in the art that
Server architecture shown in Fig. 5 is not intended that the restriction to server, can include more more or more than diagram
Few parts, or combine some parts, or different parts are arranged.Wherein:
Processor 501 is the control centre of this server, utilizes various interface and the whole server of connection
Various piece, by run or perform be stored in the software program in memorizer 502 and/or module, and
Call the data being stored in memorizer 502, perform the various functions of server and process data, thus right
Server carries out integral monitoring.Optionally, processor 501 can include one or more process core；Preferably
, processor 501 can integrated application processor and modem processor, wherein, application processor is main
Processing operating system, user interface and application program etc., modem processor mainly processes radio communication.
It is understood that above-mentioned modem processor can not also be integrated in processor 501.
Memorizer 502 can be used for storing software program and module, and processor 501 is stored in by operation
The software program of reservoir 502 and module, thus perform the application of various function and data process.Memorizer
502 can mainly include store program area and storage data field, wherein, storage program area can store operating system,
Application program (such as sound-playing function, image player function etc.) etc. needed at least one function；Deposit
Storage data field can store the data etc. that the use according to server is created.Additionally, memorizer 502 can wrap
Include high-speed random access memory, it is also possible to include nonvolatile memory, for example, at least one disk storage
Device, flush memory device or other volatile solid-state parts.Correspondingly, memorizer 502 can also wrap
Include Memory Controller, to provide the processor 501 access to memorizer 502.
During RF circuit 503 can be used for receiving and sending messages, the reception of signal and transmission, especially, by base station
Downlink information receive after, transfer to one or more than one processor 501 process；It addition, will relate to
The data of row are sent to base station.Generally, RF circuit 503 include but not limited to antenna, at least one amplifier,
Tuner, one or more agitator, subscriber identity module (SIM) card, transceiver, bonder,
Low-noise amplifier (LNA, Low Noise Amplifier), duplexer etc..Additionally, RF circuit 503
Can also be communicated with network and other equipment by radio communication.Described radio communication can use arbitrary communication
Standard or agreement, include but not limited to global system for mobile communications (GSM, Global System of Mobile
Communication), general packet radio service (GPRS, General Packet Radio Service),
CDMA (CDMA, Code Division Multiple Access), WCDMA (WCDMA,
Wideband Code Division Multiple Access), Long Term Evolution (LTE, Long Term
Evolution), Email, Short Message Service (SMS, Short Messaging Service) etc..
Server also includes the power supply 504 (such as battery) powered to all parts, it is preferred that power supply can
With logically contiguous with processor 501 by power-supply management system, thus realize management by power-supply management system
The functions such as charging, electric discharge and power managed.Power supply 504 can also include one or more directly
Stream or alternating current power supply, recharging system, power failure detection circuit, power supply changeover device or inverter, electricity
The random component such as source positioning indicator.
This server may also include input block 505, and this input block 505 can be used for receiving the numeral of input
Or character information, and produce the keyboard relevant with user setup and function control, mouse, action bars,
Optics or the input of trace ball signal.
This server may also include display unit 506, and this display unit 506 can be used for display and inputted by user
Information or be supplied to the information of user and the various graphical user interface of server, these graphical users connect
Mouth can be made up of figure, text, icon, video and its combination in any.Display unit 508 can include
Display floater, optionally, can use liquid crystal display (LCD, Liquid Crystal Display),
The forms such as Organic Light Emitting Diode (OLED, Organic Light-Emitting Diode) configure display surface
Plate.
Concrete the most in the present embodiment, the processor 501 in server can according to following instruction, by one or
The executable file that the process of more than one application program is corresponding is loaded in memorizer 502, and by processing
Device 501 runs the application program being stored in memorizer 502, thus realizes various function, as follows:
Receive the instruction of the instruction data input that user triggers；According to described instruction, transfer default input control
Part；Utilize the described input control transferred, corresponding acquisition insurer's parameter and environment factor；According to described
Insurer's parameter and environment factor, determine the traffic delay danger rate of correspondence according to preset algorithm；According to really
Fixed traffic delay danger rate determines indemnity.
Preferably, described insurer's parameter includes: expense of the insuring amount of money, the time of policy purchase, insurer's credit grade,
One or more combination in insurer's time cost information；Described environment factor includes punctuality rate, sky
One or more combination in gas situation, flow of personnel information, vehicles flowing information.
Based on this, described processor 501 can be also used for: each insurer's parameter and each environment factor is divided
Do not determine corresponding factor v according to preset grading system；Obtain each insurer's parameter and environment factor
Corresponding weighted value；According to described factor v and corresponding weighted value, generate traffic delay danger and take
Rate.
Preferably, described processor 501 can be also used for, and each insurer's parameter and each environment factor is divided
Do not determine corresponding factor v according to preset grading system；Obtain each insurer's parameter and environment factor
Corresponding weighted value；According to described factor v and corresponding weighted value, generate traffic delay danger and take
Rate.
Based on this, described processor 501 can be also used for described basic indemnity and traffic delay danger expense
The product of rate is defined as the indemnity of insurer.
From the foregoing, in the server of the present embodiment offer, according to the insurer's parameter got, environment
Some objective datas such as factor, corresponding generation traffic delay danger rate, and true according to traffic delay danger rate
Determine indemnity；The embodiment of the present invention is dynamic based on practical situation (as inferior in airplane flight, high ferro motor squad)
State adjusts suitable traffic delay danger rate, the mode of the insurance premium rate fixing relative to existing employing, more
The motility of application can be improved, thus can relatively improve reasonability and the accuracy of traffic delay danger.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, in certain embodiment the most in detail
The part stated, may refer to the detailed description above with respect to data processing method, and here is omitted.
The described data processing equipment that the embodiment of the present invention provides, is such as computer, panel computer, has
Mobile phone of touch function etc., described data processing equipment belongs to the data processing method in foregoing embodiments
Same design, can run offer in described data processing method embodiment on described data processing equipment
Either method, it implements process and refers to described data processing method embodiment, and here is omitted.
It should be noted that for data processing method of the present invention, this area common test personnel can
To understand all or part of flow process realizing data processing method described in the embodiment of the present invention, can be by meter
The hardware that calculation machine program controls to be correlated with completes, and described computer program can be stored in an embodied on computer readable
In storage medium, as being stored in the memorizer of terminal, and performed by least one processor in this terminal,
The flow process of embodiment such as described data processing method can be included in the process of implementation.Wherein, described storage
Medium can be magnetic disc, CD, read only memory (ROM, Read Only Memory), random access memory note
Recall body (RAM, Random Access Memory) etc..
For the described data processing equipment of the embodiment of the present invention, its each functional module can be integrated in one
Process in chip, it is also possible to be that modules is individually physically present, it is also possible to two or more module collection
In Cheng Yi module.Above-mentioned integrated module both can realize to use the form of hardware, it would however also be possible to employ soft
The form of part functional module realizes.If described integrated module realizes with the form of software function module and makees
During for independent production marketing or use, it is also possible to be stored in a computer read/write memory medium, institute
State storage medium such as read only memory, disk or CD etc..
A kind of data processing method provided the embodiment of the present invention above and device are described in detail,
Principle and the embodiment of the present invention are set forth by specific case used herein, above example
Method and the core concept thereof being only intended to help to understand the present invention is described；Technology simultaneously for this area
Personnel, according to the thought of the present invention, the most all will change, and combine
Upper described, this specification content should not be construed as limitation of the present invention.
Claims (10)
1. a data processing method, it is characterised in that including:
Receive the instruction of the instruction data input that user triggers；
According to described instruction, transfer default input control；
Utilize the described input control transferred, corresponding acquisition insurer's parameter and environment factor；
According to described insurer's parameter and described environment factor, determine that according to preset algorithm the traffic of correspondence is prolonged
Danger rate by mistake；
Traffic delay danger rate according to determining determines indemnity.
Data processing method the most according to claim 1, it is characterised in that
Described insurer's parameter include insuring the expense amount of money, the time of policy purchase, insurer's credit grade, insurer time
Between one or more combination in cost information；
Described environment factor includes punctuality rate, weather condition, flow of personnel information, vehicles flowing information
In one or more combination.
Data processing method the most according to claim 2, it is characterised in that insure described in described basis
People's parameter and described environment factor, determine the traffic delay danger rate of correspondence according to preset algorithm, including:
Each insurer's parameter and each environment factor are determined corresponding coefficient according to preset grading system respectively
Numerical value；
Obtain each insurer's parameter and weighted value corresponding to environment factor；
According to described factor v and corresponding weighted value, generate traffic delay danger rate.
Data processing method the most according to claim 3, it is characterised in that described according to described traffic
It is delayed danger rate and determines indemnity, including:
Obtain the insured amount of insurer；
Basic indemnity is determined according to described insured amount；
According to described basic indemnity and described traffic delay danger rate, determine the indemnity of insurer.
Data processing method the most according to claim 4, it is characterised in that described according to described substantially
Indemnity and described traffic delay danger rate, determine indemnity, including:
The product of described basic indemnity Yu traffic delay danger rate is defined as the indemnity of insurer.
6. a data processing equipment, it is characterised in that including:
Receiver module, for receiving the instruction of the instruction data input that user triggers；
Transfer module, for according to described instruction, transfer default input control；
Acquisition module, for utilizing the described input control transferred, corresponding acquisition insurer's parameter and environment
Factor；
First determines module, for according to described insurer's parameter and described environment factor, according to pre-imputation
Method determines the traffic delay danger rate of correspondence；
Second determines module, for determining indemnity according to the traffic delay danger rate determined.
Data processing equipment the most according to claim 1, it is characterised in that
Described insurer's parameter includes: expense of the insuring amount of money, the time of policy purchase, insurer's credit grade, insurer
One or more combination in time cost information；
Described environment factor includes punctuality rate, weather condition, flow of personnel information, vehicles flowing information
In one or more combination.
Data processing equipment the most according to claim 7, it is characterised in that described first determines module
Including:
Factor determination unit, for by each insurer's parameter and each environment factor respectively according to preset classification
System determines corresponding factor v；
Weight Acquisition unit, for obtaining each insurer's parameter and weighted value corresponding to environment factor；
Signal generating unit, for according to described factor v and corresponding weighted value, generates traffic delay danger
Rate.
Data processing equipment the most according to claim 8, it is characterised in that described second determines module
Including:
Acquiring unit, for obtaining the insured amount of insurer；
First determines unit, for determining basic indemnity according to described insured amount；
Second determines unit, is used for according to described basic indemnity and described traffic delay danger rate, really
Determine the indemnity of insurer.
Data processing equipment the most according to claim 9, it is characterised in that described second determines list
Unit, specifically for being defined as the compensation of insurer by the product of described basic indemnity Yu traffic delay danger rate
Indemnity volume.
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| CN201510221013.6A CN106204282B (en) | 2015-05-04 | 2015-05-04 | Data processing method and device |
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| WO2018184300A1 (en) * | 2017-04-06 | 2018-10-11 | 平安科技（深圳）有限公司 | Information processing method, information processing device and computer readable storage medium |
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| CN111062742B (en) * | 2019-11-25 | 2023-08-04 | 北京梧桐车联科技有限责任公司 | Information recommendation method, device, storage medium and server |
| CN111311424A (en) * | 2020-03-06 | 2020-06-19 | 德联易控科技(北京)有限公司 | Data analysis method and device in vehicle accident, storage medium and processor |
| CN111311424B (en) * | 2020-03-06 | 2023-08-22 | 德联易控科技(北京)有限公司 | Data analysis method, device, storage medium and processor in vehicle insurance accident |
| CN113378106A (en) * | 2021-08-16 | 2021-09-10 | 中航信移动科技有限公司 | Target data processing system based on delay state |
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