CN107169870A - It is a kind of that the credit discriminating method for preventing that car insurance from cheating is merged by positional information - Google Patents
It is a kind of that the credit discriminating method for preventing that car insurance from cheating is merged by positional information Download PDFInfo
- Publication number
- CN107169870A CN107169870A CN201710369497.8A CN201710369497A CN107169870A CN 107169870 A CN107169870 A CN 107169870A CN 201710369497 A CN201710369497 A CN 201710369497A CN 107169870 A CN107169870 A CN 107169870A
- Authority
- CN
- China
- Prior art keywords
- credit
- report
- residence time
- information
- dangerous
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/02—Services making use of location information
- H04W4/023—Services making use of location information using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
Abstract
The present invention relates to the applied technical field of wireless network location information, it is specifically a kind of that the credit discriminating method for preventing that car insurance from cheating is merged by positional information, the positional information and its historical information provided according to the radio network information of the dangerous people of automobile report, contrasted and analyzed with the residence time of the 4S maintenace points of surrounding and non-scheduled maintenance point, to obtain the foundation that the credit of the client is adjusted and credit is screened.The present invention compared with the existing technology, the advantage is that：Solve and screened the problem of credit drawn is not objective enough using artificial determination methods in the past；There is provided the quantization method and calculating logic of the credit for judging car insurance people；The credit of insurance company interior section staff can be screened；Screening information foundation used can be retained and be played back for a long time.
Description
[technical field]
It is specifically a kind of to be melted by positional information the present invention relates to the applied technical field of wireless network location information
Close the credit discriminating method for preventing that car insurance from cheating.
[background technology]
At present in the prior art, without the technology and side of effectively analysis and examination can be carried out to the credit of the dangerous people of vehicle report
Method, the credit screening techniques of existing automobile report danger, most of judged according to the result afterwards of automobile report danger, mainly
It is the report of the people's offer that is in danger of the report of the offer by the dangerous people of vehicle report, photo, or insurance company and corresponding proof, or protects
The part APP applications that dangerous company provides, to provide its report, photo and other prove, can not carry out pre- judgement in advance and
It is accurate to screen.Meanwhile, also lack the analysis of active and calculate the Action logic of client, be resident place, residence time, with other passes
Determination methods and Rule of judgment that connection data message is merged.
This present situation not only result in the financial losses of insurance company, while being also moral and scarce to the shortage of part driver
Letting alone for the behavior of weary credit, will finally cause ruining for civil order, causes autre vie and property on highway not protect
Barrier.
[content of the invention]
It is an object of the invention to solve the deficiencies in the prior art there is provided one kind by positional information fusion prevent vehicle from protecting
The credit discriminating method of danger fraud, the positional information and its historical information provided according to the radio network information of the dangerous people of automobile report,
Contrasted and analyzed with the residence time of the 4S maintenace points of surrounding and non-scheduled maintenance point, adjusted with the credit for obtaining the client
And the foundation that credit is screened.
To achieve these goals, designing a kind of merged by positional information prevents the credit examination side of car insurance fraud
Method, it is characterised in that described method and step is as follows：
A. the phone number of the dangerous people of vehicle report is obtained according to the dangerous behavior of report of the dangerous people of vehicle report；
B. by the radio network information of mobile phone operators, the position of the dangerous people of report is positioned using GPS positioning system；
C. the positional information of reporter is periodically obtained；
D. relatively and draw between the historical position information of acquisition and the positional information of neighbouring 4S auto repairs point away from
From；
E. relatively and draw between the positional information of the historical position information of acquisition and the non-4S auto repairs point of surrounding
Distance；
If f. meeting the distance range of setting by step d and step the e distance relatively drawn, start to calculate what is be resident
Temporal information；
G. the residence time B of 4S auto repairs point and the residence time A of non-4S auto repairs point are compared；
H. credit judgement is carried out according to whether the maintenace point residence time of the dangerous vehicle of the report meets the requirements；
I. the dangerous credit of report of the dangerous people of the report is adjusted according to judged result.
If there is the resident of multiple 4S auto repairs points, the residence time of each 4S auto repairs point is calculated respectively, and
Compare the size of residence time, extract maximum residence time B, and record corresponding 4S auto repairs point information；If existing many
Resident, the residence time of each non-4S auto repairs point of calculating, and compare residence time respectively of individual non-4S auto repairs point
Size, extracts maximum residence time A, and record corresponding non-4S auto repairs point information.
The method of described carry out credit judgement is as follows：
If A is less than setting range, and B is more than setting range, then judges that the dangerous people's credit of the report is normal；
If A is more than setting range, and B is more than A, then judges that the dangerous people's credit of the report is suspicious；
If A is more than setting range, and A is more than B, then judges that the dangerous people's credit of the report is abnormal.
The present invention compared with the existing technology, the advantage is that：
The problem of credit drawn is not objective enough was screened using artificial determination methods in the past 1. solving, conventional is artificial
When screening the behavior of credit of client, client can not be judged either with or without to the 4S automobiles shop specified, also can not long-term follow some visitor
The behavior at family judges customers' credit；
2. there is provided judge car insurance people credit quantization method and calculating logic, there is provided specific algorithm with patrol
Volume, thus provide the quantization of credit；
3. the credit of insurance company interior section staff can be screened, client is handled according to the staff of insurance company
Result and logic, whether fulfiling the duty for the staff judged, do not cheat company；
4. screening information foundation used can be retained and be played back for a long time, analysis and judgement that can be repeatedly.
[brief description of the drawings]
Fig. 1 is the schematic flow sheet of the inventive method；
Fig. 2 is the logical schematic for calculating non-4S auto repairs point；
Fig. 3 is the logical schematic for calculating 4S auto repair points；
Fig. 4 is credit decision logic figure.
[embodiment]
The invention will be further described below in conjunction with the accompanying drawings, for the structure and principle of this device people professional to this
It is very clear.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not used to limit this
Invention.
Referring to Fig. 1, described to merge the credit discriminating method for preventing that car insurance from cheating by positional information, step is such as
Under：
A. discrimination system obtains the phone number of the dangerous people of vehicle report according to the dangerous behavior of report of the dangerous people of vehicle report；
B. discrimination system positions the position of the dangerous people of report using GPS positioning system by the radio network information of mobile phone operators
Put；
C. discrimination system periodically obtains the positional information of reporter；
D. discrimination system is compared to the positional information of the historical position information and neighbouring 4S auto repairs point of acquisition,
And draw distance between the two；
The distance between e. discrimination system is to acquisition, with the positional information of non-4S auto repairs point of surrounding, and draw
Distance between the two；
F. referring to Fig. 2 and Fig. 3, if meeting the distance range of setting by step d and step the e distance relatively drawn,
Discrimination system starts to calculate resident temporal information, and described distance range is carried out by wireless network and GPS positioning precision
It is determined that, in the present embodiment, the distance range is set as in 300 meters；
If there is the resident of multiple 4S auto repairs points, the residence time of each 4S auto repairs point is calculated respectively, and
Compare the size of residence time, extract maximum residence time B, and record corresponding 4S auto repairs point information；If existing many
Resident, the residence time of each non-4S auto repairs point of calculating, and compare residence time respectively of individual non-4S auto repairs point
Size, extracts maximum residence time A, and record corresponding non-4S auto repairs point information.
I. referring to Fig. 4, discrimination system is to the obtained residence time B of 4S auto repairs point and staying for non-4S auto repairs point
The time A of staying is compared；
J. discrimination system carries out credit judgement according to whether the maintenace point residence time of the dangerous vehicle of the report meets the requirements；
The method of described carry out credit judgement is as follows：
If A is less than setting range, and B is more than setting range, then judges that the dangerous people's credit of the report is normal；
If A is more than setting range, and B is more than A, then judges that the dangerous people of the report has idea of leaving things to chance, credit is suspicious；
If A is more than setting range, and A is more than B, then judges that the dangerous people's credit of the report is abnormal.
K. the dangerous credit of report of the dangerous people of the report is adjusted according to judged result, and respective record is in the database of discrimination system,
Meanwhile, the residence time B of the described 4S auto repairs point and residence time A of non-4S auto repairs point, and corresponding history
Positional information and the positional information of the non-4S car repair shops of 4S/ are all stored in discrimination system, can be retained and returned for a long time
Put so as to analysis and judgement repeatedly, and be used as the foundation for screening conclusion.
Claims (3)
1. a kind of merge the credit discriminating method for preventing that car insurance from cheating by positional information, it is characterised in that described method
Step is as follows：
A. the phone number of the dangerous people of vehicle report is obtained according to the dangerous behavior of report of the dangerous people of vehicle report；
B. by the radio network information of mobile phone operators, the position of the dangerous people of report is positioned using GPS positioning system；
C. the positional information of reporter is periodically obtained；
D. the distance between the historical position information of acquisition and neighbouring positional information of 4S auto repairs point are drawn relatively and；
E. the distance between the historical position information of acquisition and the positional information of non-4S auto repairs point of surrounding are drawn relatively and；
If f. meeting the distance range of setting by step d and step the e distance relatively drawn, start to calculate the resident time
Information；
G. the residence time B of 4S auto repairs point and the residence time A of non-4S auto repairs point are compared；
H. credit judgement is carried out according to whether the maintenace point residence time of the dangerous vehicle of the report meets the requirements；
I. the dangerous credit of report of the dangerous people of the report is adjusted according to judged result.
2. a kind of merged by positional information as claimed in claim 1 prevents the credit discriminating method of car insurance fraud, its
It is characterised by：If there is the resident of multiple 4S auto repairs points, the residence time of each 4S auto repairs point is calculated respectively, and
Compare the size of residence time, extract maximum residence time B, and record corresponding 4S auto repairs point information；If existing many
Resident, the residence time of each non-4S auto repairs point of calculating, and compare residence time respectively of individual non-4S auto repairs point
Size, extracts maximum residence time A, and record corresponding non-4S auto repairs point information.
3. a kind of merged by positional information as claimed in claim 2 prevents the credit discriminating method of car insurance fraud, its
It is characterised by that the method for carrying out credit judgement is as follows：
If A is less than setting range, and B is more than setting range, then judges that the dangerous people's credit of the report is normal；
If A is more than setting range, and B is more than A, then judges that the dangerous people's credit of the report is suspicious；
If A is more than setting range, and A is more than B, then judges that the dangerous people's credit of the report is abnormal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710369497.8A CN107169870A (en) | 2017-05-23 | 2017-05-23 | It is a kind of that the credit discriminating method for preventing that car insurance from cheating is merged by positional information |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710369497.8A CN107169870A (en) | 2017-05-23 | 2017-05-23 | It is a kind of that the credit discriminating method for preventing that car insurance from cheating is merged by positional information |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107169870A true CN107169870A (en) | 2017-09-15 |
Family
ID=59820426
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710369497.8A Pending CN107169870A (en) | 2017-05-23 | 2017-05-23 | It is a kind of that the credit discriminating method for preventing that car insurance from cheating is merged by positional information |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107169870A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108961086A (en) * | 2018-07-09 | 2018-12-07 | 江苏满运软件科技有限公司 | A kind of early warning analysis method and system of vehicle insurance fraud |
| CN109740891A (en) * | 2018-12-24 | 2019-05-10 | 斑马网络技术有限公司 | User Status detection method, apparatus and system |
| CN110175927A (en) * | 2019-05-14 | 2019-08-27 | 安泰保险科技(深圳)有限公司 | It is a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving |
| CN110189134A (en) * | 2019-05-17 | 2019-08-30 | 同济大学 | Based on doubtful fraudulent trading referring to the anti-fake system architecture design method of network payment of tagmeme |
| CN110223086A (en) * | 2019-05-30 | 2019-09-10 | 珠海市岭南大数据研究院 | Vehicle insurance is reported a case to the security authorities recognition methods, device and the computer equipment of information |
| CN110335082A (en) * | 2019-07-03 | 2019-10-15 | 深圳广联赛讯有限公司 | Monitoring method, device, system and the computer storage medium of customer's vehicle |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101577653A (en) * | 2008-05-08 | 2009-11-11 | 韩军 | System and method using positioning technique to carry out vehicle insurance claim assistant authentification |
| CN104869638A (en) * | 2015-05-28 | 2015-08-26 | 北京嘀嘀无限科技发展有限公司 | Detection method and device for GPS coordinate cheating |
| CN105480177A (en) * | 2016-01-15 | 2016-04-13 | 深圳市险萝卜科技有限公司 | Method for preventing cheating used when vehicle accident appears by utilizing vehicle-mounted intelligent terminal |
| CN105657659A (en) * | 2016-01-29 | 2016-06-08 | 北京邮电大学 | Method and system for identifying scalping user in taxi service |
| CN105843943A (en) * | 2016-04-08 | 2016-08-10 | 深圳广联赛讯有限公司 | Analysis method for usual parking place of vehicle |
| CN106384326A (en) * | 2016-09-30 | 2017-02-08 | 青岛智车品信息科技有限公司 | Loan vehicle fraud aggregation early warning system and method |
-
2017
- 2017-05-23 CN CN201710369497.8A patent/CN107169870A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101577653A (en) * | 2008-05-08 | 2009-11-11 | 韩军 | System and method using positioning technique to carry out vehicle insurance claim assistant authentification |
| CN104869638A (en) * | 2015-05-28 | 2015-08-26 | 北京嘀嘀无限科技发展有限公司 | Detection method and device for GPS coordinate cheating |
| CN105480177A (en) * | 2016-01-15 | 2016-04-13 | 深圳市险萝卜科技有限公司 | Method for preventing cheating used when vehicle accident appears by utilizing vehicle-mounted intelligent terminal |
| CN105657659A (en) * | 2016-01-29 | 2016-06-08 | 北京邮电大学 | Method and system for identifying scalping user in taxi service |
| CN105843943A (en) * | 2016-04-08 | 2016-08-10 | 深圳广联赛讯有限公司 | Analysis method for usual parking place of vehicle |
| CN106384326A (en) * | 2016-09-30 | 2017-02-08 | 青岛智车品信息科技有限公司 | Loan vehicle fraud aggregation early warning system and method |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108961086A (en) * | 2018-07-09 | 2018-12-07 | 江苏满运软件科技有限公司 | A kind of early warning analysis method and system of vehicle insurance fraud |
| CN109740891A (en) * | 2018-12-24 | 2019-05-10 | 斑马网络技术有限公司 | User Status detection method, apparatus and system |
| CN110175927A (en) * | 2019-05-14 | 2019-08-27 | 安泰保险科技(深圳)有限公司 | It is a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving |
| CN110189134A (en) * | 2019-05-17 | 2019-08-30 | 同济大学 | Based on doubtful fraudulent trading referring to the anti-fake system architecture design method of network payment of tagmeme |
| CN110223086A (en) * | 2019-05-30 | 2019-09-10 | 珠海市岭南大数据研究院 | Vehicle insurance is reported a case to the security authorities recognition methods, device and the computer equipment of information |
| CN110335082A (en) * | 2019-07-03 | 2019-10-15 | 深圳广联赛讯有限公司 | Monitoring method, device, system and the computer storage medium of customer's vehicle |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107169870A (en) | It is a kind of that the credit discriminating method for preventing that car insurance from cheating is merged by positional information | |
| CN111159254B (en) | Vehicle and personnel association method based on big data processing | |
| CN104361645B (en) | A kind of curb parking charge management method and system | |
| Anderson | Comparison of spatial methods for measuring road accident ‘hotspots’: a case study of London | |
| CN201927173U (en) | Automatic checking and charging system for intelligent electronic license plates | |
| CN104244253B (en) | The method and apparatus for recognizing pseudo-base station | |
| CN104658264A (en) | Vehicle verification method and system based on ETC and video | |
| CN105480177A (en) | Method for preventing cheating used when vehicle accident appears by utilizing vehicle-mounted intelligent terminal | |
| CN203165218U (en) | A vehicle inspection monitoring system | |
| CN104123843A (en) | Illegal operation vehicle detecting system and method | |
| CN108846316A (en) | A kind of target person management-control method and device based on bayonet vehicle data | |
| CN106710225B (en) | Vehicle number plate violation identification method and monitoring platform | |
| CN111477007A (en) | Vehicle checking, controlling, analyzing and managing system and method | |
| CN103208183A (en) | Vehicle video data mining method for traffic violation evidence obtaining | |
| CN101271624A (en) | Parking position controller and parking position management system based on personal identity string code authentication | |
| CN109360417A (en) | A kind of dangerous driving behavior identification and method for pushing and system based on block chain | |
| CN107004352B (en) | Traffic violation management system and traffic violation management method | |
| CN107730888A (en) | Traffic supervisory systems based on the enhancing of Big Dipper ground and Internet of Things fusion | |
| EP2752821A2 (en) | Enhancement of enforcing road user charging | |
| CN105957352A (en) | Illegal parking detection method and apparatus | |
| CN103093624A (en) | Signalized intersection non-motor vehicle illegal cross-street behavior automatic judging method | |
| CN110956822A (en) | Fake-licensed vehicle identification method and device, electronic equipment and readable storage medium | |
| CN108417018A (en) | Location-based two give as security site monitoring system and method | |
| Budzyński et al. | The use of GIS tools for road infrastructure safety management | |
| CN203149835U (en) | Vehicle video data mining system for traffic violation evidence collection |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170915 |
|
| WD01 | Invention patent application deemed withdrawn after publication |