CN110458715A

CN110458715A - Risk score method, apparatus and computer readable storage medium

Info

Publication number: CN110458715A
Application number: CN201910607939.7A
Authority: CN
Inventors: 陈真
Original assignee: Ping An Property and Casualty Insurance Company of China Ltd
Current assignee: Ping An Property and Casualty Insurance Company of China Ltd
Priority date: 2019-07-05
Filing date: 2019-07-05
Publication date: 2019-11-15
Anticipated expiration: 2039-07-05
Also published as: CN110458715B

Abstract

The present invention relates to technical field of data processing, disclose a kind of risk score method, this method comprises: identifying the administrative region range where target insurance place according to the geographical location information where target insurance place, determining administrative region belonging to the target insurance place；According to the determining administrative region, the known insurance place that whether there is known risk score value in the administrative region is identified；If it exists, then the known insurance place respectively corresponding risk score value is obtained；It if it does not exist, then include the known insurance place of risk score value for administrative region configuration；According to the risk score value of known insurance places all within the scope of the administrative region of acquisition, the Regional Risk score value of the affiliated administrative region in target insurance place is calculated.The present invention also proposes a kind of risk score device and a kind of computer readable storage medium.The scheme of the regional risk score of administrative region where insurance place can be directly acquired the present invention provides one kind.

Description

Risk score method, apparatus and computer readable storage medium

Technical field

The present invention relates to technical field of data processing more particularly to a kind of risk score method, apparatus and computer-readable Storage medium.

Background technique

With the rapid development especially rapid development of internet big data of information technology and universal, the mankind enter wink The information age that breath ten thousand becomes.The presence of various uncertain factors and happening occasionally for natural calamity, so that the insurance of people is anticipated Know also higher and higher.Currently, needing to obtain throwing when carrying out risk assessment before nearly insuring for personal property danger and business property Protect the risk score that the natural calamities such as corresponding district grade hail, mud-rock flow, earthquake, snow disaster, typhoon may occur.But it is existing The risk score that may occur for above-mentioned natural calamity scoring tactics are as follows: in China, can search and get The corresponding existing risk score of a certain specific location point can not directly acquire the insurance place location of the existing risk score The regional scoring in domain；Therefore, it can not also be scored according to the regionality, estimate the position that other control unknown risks score in the region Point institute value-at-risk that may be present.

Summary of the invention

The present invention provides a kind of risk score method, apparatus and computer readable storage medium, main purpose are to mention The scheme of the regional risk score of administrative region where target insurance place can be directly acquired for one kind.

To achieve the above object, the present invention provides a kind of risk score method, this method comprises:

According to the geographical location information where target insurance place, the administrative region range where target insurance place is identified, really Administrative region belonging to the fixed target insurance place；

According to the determining administrative region, identify in the administrative region with the presence or absence of the known of known risk score value Insurance place；

If there are the known insurance places of known risk score value in the administrative region, it is each to obtain the known insurance place From corresponding risk score value；If the known insurance place of known risk score value is not present in the administrative region, for The administrative region configuration includes the known insurance place of risk score value；

According to the risk score value of known insurance places all within the scope of the administrative region of acquisition, calculates the target and throw Protect the Regional Risk score value of administrative region belonging to ground.

Optionally, the geographical location information where the insurance place according to target identifies the administration where target insurance place Regional scope determines administrative region belonging to the target insurance place, before further include:

According to historical record, the known insurance place of known risk score value in the whole country is acquired, and is the described of acquisition Administrative region belonging to known insurance place confirmation respectively.

Optionally, the geographical location information where the insurance place according to target identifies the administration where target insurance place Regional scope determines administrative region belonging to the target insurance place, comprising:

The geographical location information where the target insurance place is parsed, the target is extracted from the geographical location information The corresponding latitude and longitude information in insurance place；

Intersection calculating is carried out using the latitude and longitude information and known administrative division data of the target insurance place, obtains institute State administrative region belonging to target insurance place；

Or:

According to known administrative division as a result, according to the geographical location information where target insurance place, described in acquisition The range of administrative region belonging to geographical location information；

Region scoring instruction is received and parsed through, the subregional administrative region to be evaluated of the region scoring command mappings is obtained Grade；

According to the administrative region grade of acquisition, administrative region belonging to the target insurance place is determined；

Wherein, the corresponding administrative region grade in the administrative region includes: province, autonomous region, city, area, county, town, village.

Optionally, the known insurance place of known risk score value is not present in the administrative region, then is the administrative area Configuration of territory includes the known insurance place of risk score value, comprising:

For the administrative region that known risk score value is not present, according to default insurance place selection rule, in the administration The feature insurance place of preset quantity is chosen in region；

Obtain the corresponding risk information in the feature insurance place in history duration；Wherein, the risk information includes: to have sent out Risk category, risk class and each corresponding Claims Resolution volume and risk occurrence frequency of raw risk；

Assignment is carried out for the different characteristic of the risk information, obtains corresponding characteristic value；Meanwhile believing for the risk The significance level of the different characteristic of breath distributes weight for the risk information, obtains corresponding weighted value；

According to the corresponding characteristic value of the risk information and weighted value, the corresponding risk in the feature insurance place is calculated Score value, and will be provided with the feature insurance place of risk score value as the known insurance place in the administrative region.

Optionally, in the administrative region according to acquisition all known insurance places risk score value, calculate institute State the corresponding Regional Risk score value in administrative region belonging to target insurance place, comprising:

According to the risk score value of known insurance places all in the administrative region of acquisition, the risk score value is calculated Average value, the average value that will be calculated, as the affiliated administrative region in target insurance place Regional Risk score Value；

Or:

Obtain each known insurance place corresponding weighted value in the administrative region in the administrative region；

According to each known corresponding risk score value in insurance place and corresponding weighted value, the administration is calculated The corresponding Regional Risk score value in region.

In addition, to achieve the above object, the present invention also provides a kind of risk score device, which includes memory and place Device is managed, is stored with the risk score program that can be run on the processor, the risk score program quilt in the memory The processor realizes following steps when executing:

Optionally, the risk score program can also be executed by the processor, with described according to target insurance place institute Geographical location information, identify target insurance place where administrative region range, determine row belonging to the target insurance place Administrative division domain, comprising:

Or:

Optionally, the risk score program can also be executed by the processor, to be not present in the administrative region The known insurance place of known risk score value then includes the known insurance place of risk score value, packet for administrative region configuration It includes:

Optionally, the risk score program can also be executed by the processor, in the row according to acquisition The risk score value of all known insurance places, the Regional Risk for calculating the affiliated administrative region in target insurance place are commented in the domain of administrative division Score value, comprising:

Or:

In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium Risk score program is stored on storage medium, the risk score program can be executed by one or more processor, with reality Now the step of risk score method as described above.

Risk score method, apparatus proposed by the present invention and computer readable storage medium, according to where target insurance place Geographical location information, identify target insurance place where administrative region range, determine administration belonging to the target insurance place Region；According to the determining administrative region, the known throwing that whether there is known risk score value in the administrative region is identified Protect ground；If there are the known insurance places of known risk score value in the administrative region, the known insurance place is obtained respectively Corresponding risk score value；If the known insurance place of known risk score value is not present in the administrative region, for institute State the known insurance place that administrative region configuration includes risk score value；According to all known within the scope of the administrative region of acquisition The risk score value of insurance place calculates the Regional Risk score value of the affiliated administrative region in target insurance place.The present invention provides It is a kind of can directly acquire insurance place where administrative region regional risk score scheme, improve the administrative region whole The convenience that body risk score obtains, so that the acquisition of administrative region overall risk scoring is also more intuitive.

Detailed description of the invention

Fig. 1 is the flow diagram for the risk score method that one embodiment of the invention provides；

Fig. 2 is the schematic diagram of internal structure for the risk score device that one embodiment of the invention provides；

Fig. 3 is the module diagram for the risk score device risk scoring procedures that one embodiment of the invention provides.

The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.

Specific embodiment

It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.

The present invention provides a kind of risk score method.It is the risk score that one embodiment of the invention provides shown in referring to Fig.1 The flow diagram of method.This method can be executed by a device, which can be by software and or hardware realization.

In the present embodiment, risk score method includes:

Step S10 identifies the administrative region where target insurance place according to the geographical location information where target insurance place Range determines administrative region belonging to the target insurance place.

In the embodiment of the present invention, according to the geographical location information where target insurance place, such as latitude and longitude information, or save The address informations such as drive can recognize and acquire the administrative region range where the target insurance place, and then determine Administrative region belonging to the target insurance place.

Wherein, the administrative region is it is to be understood that the region division carried out to carry out differentiated control of country, than Such as, provincial administrative area, administrative areas at the county level, township level administrative area etc..That is, administrative region described in the embodiment of the present invention, It is defaulted as being at present according to administrative region corresponding to the national criteria for classifying.The embodiment of the present invention is to it without additional It explains and repeats.

Step S20 is identified in the administrative region according to the determining administrative region with the presence or absence of known risk score The known insurance place of value；

If thening follow the steps S30 there are the known insurance place of known risk score value in the administrative region；

If the known insurance place of known risk score value is not present in the administrative region, S40 is thened follow the steps；

Step S30 obtains the known insurance place respectively corresponding risk score value；

Step S40 includes the known insurance place of risk score value for administrative region configuration；

In the embodiment of the present invention, for the corresponding administrative region in China, judging to whether there is in corresponding administrative region When the known insurance place of known risk score value, the corresponding database realizing of enquiry of historical data can be passed through.For example, can be with According to ready-portioned administrative region is directed on geographical location at present, information database of having insured is searched；By insuring to known The lookup result of information database judges in the administrative region with the presence or absence of the corresponding known insurance place of known risk score value.

In the embodiment of the present invention, the information database of having insured is contained: all known risk scores in the whole country Known insurance place relevant information；For example, all known insurance places are right respectively in corresponding each administrative region in the whole country The calculating time point of the known risk score value and known risk score value answered；Due to that may occur in different time sections Claims Resolution event with Claims Resolution data it is different, therefore, in the information database of having insured simultaneously store known to insurance place correspondence Known risk score value calculating time point.

It further, can also be in order to more easily identify in a certain administrative region with the presence or absence of known insurance place Implemented by following technological means:

According to the known insurance place of known risk score value in administrative region each in the whole country, drawn according to national maps Corresponding risk score figure in the whole country.All known risk score values in the whole country are contained in the risk score figure The relevant information of known insurance place, the relevant information of the known insurance place is including but not limited to the geographical position of known insurance place Confidence breath, the corresponding known risk score value in known insurance place, known insurance place all Claims Resolution information relevant to risk Claims Resolution Deng.In the risk score figure, each known insurance place is as a pixel unit, sky corresponding with other unknown insurance places The pixel of white region forms the corresponding risk score figure.Further, it is identified for the ease of distinguishing with obvious, the risk score In figure, the pixel value of the corresponding pixel unit in known insurance place can be arranged to different numbers from the pixel value of white space Value；Alternatively, color corresponding for pixel value can be by known throwing for the ease of distinguishing in a specific application scenarios It protects corresponding pixel unit and is set as red, white space is correspondingly arranged as white.

It, can be directly by risk score map combining in practical application scene after being provided with corresponding risk score figure On national maps, according to falling into the corresponding pixel list in the known insurance place within the scope of above-mentioned administrative region in the risk score figure Member can easily identify within the scope of above-mentioned administrative region the known insurance place for including, while get with also can be convenient The corresponding risk score value in the known insurance place for including in the administrative region.

By the above-mentioned means, if identifying the known insurance place that known risk score value is not present in the administrative region, It directly include the known throwing of risk score value for administrative region configuration then according to the corresponding specific features in the administrative region Protect ground.

Step S50 calculates institute according to the risk score value of known insurance places all within the scope of the administrative region of acquisition State the Regional Risk score value of the affiliated administrative region in target insurance place.

In the embodiment of the present invention, the Regional Risk score value is it is to be understood that correspondence may be sent out in the administrative region The probability value of the natural calamities such as raw hail, mud-rock flow, earthquake, snow disaster, typhoon.

According to the corresponding risk score value in single known insurance place all within the scope of the administrative region, according to preparatory The corresponding Regional Risk score value in the administrative region is calculated in the calculation method of setting, can be real according to following technological means It applies:

In embodiments of the present invention, in order to improve Regional Risk score value calculating accuracy, above-mentioned pre-set meter Calculation method can be had according to attribute informations such as the corresponding physical location in different administrative regions, geographic basis and geomorphic features Body configuration；Therefore, before computationally stating the corresponding Regional Risk score value in administrative region, it is corresponding to need to obtain row sign region The corresponding density of population of physical features information and the administrative region such as geomorphic feature, Meteorological Characteristics, mainstream economic characteristics, The humanity characteristic information such as property distribution density；It is directed to according to the above-mentioned physical feature information of acquisition and cultural features' information, building The corresponding personalized mathematics computing model in the administrative region；Using the personalized mathematics computing model of building, by the administrative region Risk score value known to interior known insurance place is corresponding substitutes into above-mentioned personalized mathematics computing model, Ji Keji as parameter Calculation obtains the corresponding Regional Risk score value in the administrative region.

It, can be by the Regional Risk score value since the Regional Risk score value of corresponding administrative region has been calculated As the important referring to foundation of the corresponding specific risk score value in unknown insurance place each in the administrative region.

Further, in the embodiment of the present invention, according to the geographical location information where target insurance place, identify that target is insured Administrative region range where ground, before determining administrative region belonging to the target insurance place, this method can also include such as Lower step:

In the embodiment of the present invention, due to the place place in the corresponding the whole country of regional, determined according to longitude and latitude Administrative region be it is known, therefore, can by searching for it is calculated or occurred Claims Resolution known insurance place pair The historical record answered acquires the known insurance place of known risk score value in the whole country；Meanwhile it insuring according to known to acquisition The corresponding geographical location information in ground (for example, the corresponding latitude and longitude information in the known insurance place), can confirm acquisition it is all Administrative region belonging to knowing insurance place respectively.In turn, according to the corresponding known risk score value in above-mentioned known insurance place, into One step executes the calculating operation of the Regional Risk score value of affiliated administrative region.

The risk score method that the present embodiment proposes identifies in the administrative region according to the determining administrative region With the presence or absence of the known insurance place of known risk score value；If there are the known throwings of known risk score value in the administrative region Ground is protected, then obtains the known insurance place respectively corresponding risk score value；If there is no known in the administrative region The known insurance place of risk score value then includes the known insurance place of risk score value for administrative region configuration；According to obtaining The risk score value of all known insurance places, calculates the affiliated administrative area in target insurance place within the scope of the administrative region taken The Regional Risk score value in domain；Provide it is a kind of can directly acquire target insurance place where the regional risk of administrative region comment The scheme divided improves the convenience that administrative region overall risk scoring obtains, so that the administrative region overall risk scores It is more intuitive, meanwhile, for the corresponding risk in other unknown insurance places occurs in administrative region a possibility that provide it is important according to According to.

Further, in one embodiment of risk score method of the present invention, step S20 in embodiment described in Fig. 1, According to the geographical location information where target insurance place, identifies the administrative region range where target insurance place, determine the mesh Administrative region belonging to insurance place is marked, can be implemented according to following technological means:

The geographical location information where the target insurance place is parsed, the mesh is extracted from the geographical location information The corresponding latitude and longitude information in insurance place is marked, and utilizes the latitude and longitude information and known administrative division data of the target insurance place Intersection calculating is carried out, administrative region belonging to the target insurance place is obtained；

Or:

According to known administrative division as a result, according to the geographical location information where target insurance place, described in acquisition The range of administrative region belonging to geographical location information；Region scoring instruction is received and parsed through, the region scoring instruction is obtained The subregional administrative region grade to be evaluated of mapping；According to the administrative region grade of acquisition, the target insurance place is determined Affiliated administrative region；Wherein, the corresponding administrative region grade in the administrative region include: province, autonomous region, city, area, county, town, Village.

In the embodiment of the present invention, since the corresponding administrative region grade in the administrative region in the whole nation is different, for example, the whole nation is divided into Provinces, autonomous regions and municipalities；Province, autonomy divide into city, autonomous prefecture, county, autonomous county；Municipality directly under the Central Government is divided into area；County, autonomous county are divided into Township, national countryside, town etc., each small towns are also divided into village, stockaded village etc..Therefore, when receiving Regional Risk scoring instruction, the region is parsed Risk score instruction identifies in Regional Risk scoring instruction whether carry the corresponding administrative area in administrative region belonging to insurance place Domain grade, for example be province or city either area, county etc.；If carrying corresponding administrative region etc. in Regional Risk scoring instruction Grade, then after obtaining the administrative region range where the insurance place, directly according to the geographical location of the insurance place, determine the target Grade corresponding administrative region in administrative region belonging to insurance place.If without carrying corresponding row in Regional Risk scoring instruction Political affairs area grade is directly according to the administrative region grade of default then after obtaining the administrative region range where the insurance place Perhaps county determines the corresponding administrative region in area belonging to the target insurance place or county in area.

If identifying and being taken in the Regional Risk scoring instruction according to the geographical location information where the target insurance place The corresponding latitude and longitude information in band target insurance place, if by parsing the geographical location information, can be from the geographical position The corresponding latitude and longitude information in the target insurance place is extracted in confidence breath, then is directly believed using the longitude and latitude of the target insurance place Breath carries out " intersection " calculating with known administrative division data, according to intersection calculated result, determines belonging to the target insurance place Administrative region.

Determine administrative region belonging to target insurance place using above-mentioned technological means, improve region recognition accuracy rate and Recognition efficiency.

Further, in one embodiment of risk score method of the present invention, step S40 in embodiment described in Fig. 1, Include the known insurance place of risk score value for administrative region configuration, can implement according to following technological means:

For the administrative region that known risk score value is not present, according to default insurance place selection rule, in the administration The feature insurance place of preset quantity is chosen in region；It, can be big according to the region area of the administrative region in the embodiment of the present invention Small and regional landforms feature complexity determines that preset quantity is corresponding to determine the selection quantity of feature insurance place Specific value.In addition, at selected characteristic insurance place, can consider simultaneously and take into account the corresponding geomorphic feature in the administrative region, The corresponding density of population of the physical features such as Meteorological Characteristics information and the administrative region, mainstream economic characteristics, property distribution are close The humane characteristic informations such as degree, region plot value.

Obtain the corresponding risk information in the feature insurance place in history duration；Wherein, the risk information includes: to have sent out Give birth to the risk category, risk class and each corresponding Claims Resolution volume and risk occurrence frequency etc. of risk；The embodiment of the present invention In, in order to improve the accuracy of the corresponding risk information in the feature insurance place and comprehensive, described history duration includes: Since retaining the corresponding risk information in this feature insurance place, until acquire the corresponding risk information in this feature insurance place this Until moment.

Assignment is carried out for the different characteristic of the risk information, obtains corresponding characteristic value；Meanwhile believing for the risk The significance level of the different characteristic of breath distributes weight for the risk information, obtains corresponding weighted value；Believed according to the risk Corresponding characteristic value and weighted value are ceased, calculates the corresponding risk score value in the feature insurance place, and will be provided with risk and comment The feature insurance place of score value is as the known insurance place in the administrative region.

It is the known insurance place that administrative region configuration includes risk score value using above-mentioned technological means, improves Know the accuracy and convenience of insurance place risk score value.

Further, in one embodiment of risk score method of the present invention, for the corresponding region in the administrative region It, can be according to the risk score of known insurance place in the administrative region in the case that risk score value permissible accuracy is relatively low Value, directly calculates the corresponding Regional Risk score value in the administrative region.Step in the embodiment of the present invention, in embodiment described in Fig. 1 Rapid S50, according to the risk score value of known insurance places all within the scope of the administrative region of acquisition, calculate the target and insure The Regional Risk score value of administrative region belonging to ground can be implemented according to following technological means:

According to the risk score value of all known insurance places in the administrative region of acquisition, all known insure is calculated The risk score on ground is worth corresponding average value, the average value that will be calculated, as administration belonging to the target insurance place The Regional Risk score value in region；

Or:

Obtain each known insurance place corresponding weighted value in the administrative region in the administrative region；According to respectively Know the corresponding risk score value in insurance place and corresponding weighted value, calculates the corresponding region wind in the administrative region Dangerous score value.

In the embodiment of the present invention, the required precision for Regional Risk score value is high or geography of the administrative region Area is smaller or the administrative region in features of terrain it is single, alternatively, any one its local nature in the administrative region Disaster odds is almost the same, for example, being directed to plains region, then directly in the way of above-mentioned average, calculating should The Regional Risk score value of the affiliated administrative region in target insurance place, improves the computational efficiency of Regional Risk score value.

For the geographic areas of the administrative region is larger or the administrative region in features of terrain it is complicated, alternatively, the row Different places its natural calamity odds in the domain of administrative division is not also identical, then can be to known to including in the administrative region Insurance place is pre-configured with corresponding weighted value.According to the corresponding weighted value in each known insurance place of setting, and respectively The corresponding risk score value in known insurance place itself, by the risk score value of each known insurance place multiplied by corresponding weight Value obtains each risk score accounting value of the known insurance place in the administrative region, by known insurance place each in the administrative region Corresponding risk score accounting value is added, and the corresponding risk score value in the administrative region can be obtained.Specifically applying In scene, for example, being directed to mountain area, weight is distributed for each known insurance place, and then utilize the risk score value of each known insurance place And corresponding weight, corresponding regional analysis score value is calculated；For hilly country, then to the hilly country Region be further subdivided into different zonules, by calculating the Regional Risk score value of variant zonule, into The modes such as total above-mentioned zone score value are being calculated in one step, and the embodiment of the present invention is to it without exhaustive one by one.

The embodiment of the present invention by insurance place known to difference configure respective respective weights value in the way of, and then it is known according to this The corresponding Regional Risk score value in the administrative region is calculated in the risk score value of insurance place, improves Regional Risk scoring The convenience and accuracy rate of value.

The present invention also provides a kind of risk score devices.Referring to shown in Fig. 2, commented for the risk that one embodiment of the invention provides The schematic diagram of internal structure of separating device.

In the present embodiment, risk score device 1 can be PC (Personal Computer, PC), can also be with It is the terminal devices such as smart phone, tablet computer, portable computer.The risk score device 1 includes at least memory 11, processing Device 12, communication bus 13 and network interface 14.

Wherein, memory 11 include at least a type of readable storage medium storing program for executing, the readable storage medium storing program for executing include flash memory, Hard disk, multimedia card, card-type memory (for example, SD or DX memory etc.), magnetic storage, disk, CD etc..Memory 11 It can be the internal storage unit of risk score device 1, such as the hard disk of the risk score device 1 in some embodiments.It deposits Reservoir 11 is also possible in further embodiments on the External memory equipment of risk score device 1, such as risk score device 1 The plug-in type hard disk of outfit, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) Card, flash card (Flash Card) etc..Further, memory 11 can also both include the storage inside of risk score device 1 Unit also includes External memory equipment.Memory 11 can be not only used for the application software that storage is installed on risk score device 1 And Various types of data, such as the code of risk score program 01 etc., it can be also used for temporarily storing and exported or will be defeated Data out.

Processor 12 can be in some embodiments a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor or other data processing chips, the program for being stored in run memory 11 Code or processing data, such as execute risk score program 01 etc..

Communication bus 13 is for realizing the connection communication between these components.

Network interface 14 optionally may include standard wireline interface and wireless interface (such as WI-FI interface), be commonly used in Communication connection is established between the device 1 and other electronic equipments.

Optionally, which can also include user interface, and user interface may include display (Display), input Unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface and wireless interface.It is optional Ground, in some embodiments, display can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display and OLED (Organic Light-Emitting Diode, Organic Light Emitting Diode) touches device etc..Wherein, display can also be appropriate Referred to as display screen or display unit, for being shown in the information handled in risk score device 1 and for showing visually User interface.

Fig. 2 illustrates only the risk score device 1 with component 11-14 and risk score program 01, art technology Personnel it is understood that Fig. 2 shows structure do not constitute the restriction to risk score device 1, may include than illustrate more Perhaps more component perhaps combines certain components or different component layouts less.

In 1 embodiment of device shown in Fig. 2, risk score program 01 is stored in memory 11；Processor 12 executes Following steps are realized when the risk score program 01 stored in memory 11:

According to the geographical location information where target insurance place, the administrative region range where target insurance place is identified, really Administrative region belonging to the fixed target insurance place.

Obtain the known insurance place respectively corresponding risk score value；

It include the known insurance place of risk score value for administrative region configuration；

Further, in another embodiment of apparatus of the present invention, risk score program 01 can also be called by processor 12, To identify the administrative region range where target insurance place, determine institute according to the geographical location information where target insurance place Administrative region belonging to target insurance place is stated, can be implemented according to following technological means:

Or:

Further, in another embodiment of apparatus of the present invention, risk score program 01 can also be called by processor 12, It then include wind for administrative region configuration so that the known insurance place of known risk score value to be not present in the administrative region The known insurance place of dangerous score value can implement according to following technological means:

Further, it in another embodiment of apparatus of the present invention, scores for the corresponding Regional Risk in the administrative region It, can be according to the risk score value of known insurance place in the administrative region, directly in the case that value permissible accuracy is relatively low Calculate the corresponding Regional Risk score value in the administrative region.In the embodiment of the present invention, risk score program 01 can also be by processor 12 call, and with the risk score value of known insurance places all within the scope of the administrative region according to acquisition, calculate the mesh The Regional Risk score value for marking the affiliated administrative region in insurance place, can implement according to following technological means:

Or:

Optionally, in other embodiments, risk score program 01 can also be divided into one or more module, and one A or multiple modules are stored in memory 11, and are held by one or more processors (the present embodiment is by processor 12) For row to complete the present invention, the so-called module of the present invention is the series of computation machine program instruction section for referring to complete specific function, For describing implementation procedure of the risk score program 01 in risk score device 1.

It is the program mould of the risk score program in one embodiment of risk score device of the present invention for example, referring to shown in Fig. 3 Block schematic diagram, in the embodiment, risk score program 01 can be divided into: regional scope determining module 10, known insurance place Identification module 20 and Regional Risk value computing module 30, illustratively:

Regional scope determining module 10 is used for: according to the geographical location information where target insurance place, identifying that target is insured Administrative region range where ground determines administrative region belonging to the target insurance place；

Known insurance place identification module 20 is used for: according to the determining administrative region, identifying in the administrative region is It is no that there are the known insurance places of known risk score value；If there are the known of known risk score value to insure in the administrative region Ground then obtains the known insurance place respectively corresponding risk score value；If known wind is not present in the administrative region The known insurance place of dangerous score value then includes the known insurance place of risk score value for administrative region configuration；

Regional Risk value computing module 30 is used for: according to known insurance places all within the scope of the administrative region of acquisition Risk score value calculates the Regional Risk score value of the affiliated administrative region in target insurance place.

Above-mentioned zone range determination module 10, known insurance place identification module 20 and Regional Risk value computing module 30 etc. Program module is performed realized functions or operations step and is substantially the same with above-described embodiment, and details are not described herein.

In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium On be stored with risk score program, the risk score program can be executed by one or more processors, to realize following operation:

Computer readable storage medium specific embodiment of the present invention and above-mentioned each embodiment of risk score device and method It is essentially identical, do not make tired state herein.

It should be noted that the serial number of the above embodiments of the invention is only for description, do not represent the advantages or disadvantages of the embodiments.And The terms "include", "comprise" herein or any other variant thereof is intended to cover non-exclusive inclusion, so that packet Process, device, article or the method for including a series of elements not only include those elements, but also including being not explicitly listed Other element, or further include for this process, device, article or the intrinsic element of method.Do not limiting more In the case where, the element that is limited by sentence "including a ...", it is not excluded that including process, device, the article of the element Or there is also other identical elements in method.

Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in one as described above In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone, Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.

The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills Art field, is included within the scope of the present invention.

Claims

1. a kind of risk score method, which is characterized in that the described method includes:

According to the geographical location information where target insurance place, identifies the administrative region range where target insurance place, determine institute State administrative region belonging to target insurance place；

According to the determining administrative region, identifies in the administrative region and insure with the presence or absence of the known of known risk score value Ground；

If there are the known insurance places of known risk score value in the administrative region, obtains the known insurance place and respectively divide Not corresponding risk score value；It is described if the known insurance place of known risk score value is not present in the administrative region Administrative region configuration includes the known insurance place of risk score value；

According to the risk score value of known insurance places all within the scope of the administrative region of acquisition, the target insurance place is calculated The Regional Risk score value of affiliated administrative region.

2. risk score method as described in claim 1, which is characterized in that the geographical position where the insurance place according to target Confidence breath, identifies the administrative region range where target insurance place, determines administrative region belonging to the target insurance place, before Further include:

According to historical record, the known insurance place of known risk score value in the whole country is acquired, and is the described known of acquisition Administrative region belonging to the confirmation respectively of insurance place.

3. risk score method as claimed in claim 1 or 2, which is characterized in that the ground where the insurance place according to target Location information is managed, the administrative region range where target insurance place is identified, determines administrative region belonging to the target insurance place, Include:

The geographical location information where the target insurance place is parsed, the target is extracted from the geographical location information and is insured The corresponding latitude and longitude information in ground；

Intersection calculating is carried out using the latitude and longitude information and known administrative division data of the target insurance place, obtains the mesh Mark administrative region belonging to insurance place；

Or:

According to known administrative division as a result, according to the geographical location information where target insurance place, the geography is obtained The range of administrative region belonging to location information；

Region scoring instruction is received and parsed through, the subregional administrative region to be evaluated etc. of the region scoring command mappings is obtained Grade；

4. risk score method as claimed in claim 1 or 2, which is characterized in that known wind is not present in the administrative region The known insurance place of dangerous score value then includes the known insurance place of risk score value for administrative region configuration, comprising:

For the administrative region that known risk score value is not present, according to default insurance place selection rule, in the administrative region The interior feature insurance place for choosing preset quantity；

Obtain the corresponding risk information in the feature insurance place in history duration；Wherein, the risk information includes: that wind has occurred Risk category, risk class and each corresponding Claims Resolution volume and risk occurrence frequency of danger；

Assignment is carried out for the different characteristic of the risk information, obtains corresponding characteristic value；Meanwhile for the risk information The significance level of different characteristic distributes weight for the risk information, obtains corresponding weighted value；

According to the corresponding characteristic value of the risk information and weighted value, the corresponding risk score in the feature insurance place is calculated Value, and will be provided with the feature insurance place of risk score value as the known insurance place in the administrative region.

5. risk score method as claimed in claim 1 or 2, which is characterized in that the administrative region according to acquisition The risk score value of interior all known insurance places, calculates the corresponding Regional Risk in administrative region belonging to the target insurance place and comments Score value, comprising:

According to the risk score value of known insurance places all in the administrative region of acquisition, the flat of the risk score value is calculated Mean value, the average value that will be calculated, the Regional Risk score value as the affiliated administrative region in target insurance place；

Or:

According to each known corresponding risk score value in insurance place and corresponding weighted value, the administrative region is calculated Corresponding Regional Risk score value.

6. a kind of risk score device, which is characterized in that described device includes memory and processor, is stored on the memory There is the risk score program that can be run on the processor, is realized such as when the risk score program is executed by the processor Lower step:

7. risk score device as claimed in claim 6, which is characterized in that the risk score program can also be by the processing Device executes, to identify the administrative region where target insurance place in the geographical location information where the insurance place according to target Range determines administrative region belonging to the target insurance place, comprising:

Or:

8. risk score device as claimed in claims 6 or 7, which is characterized in that the risk score program can also be described Processor executes, and is then the administrative area so that the known insurance place of known risk score value to be not present in the administrative region Configuration of territory includes the known insurance place of risk score value, comprising:

9. risk score device as claimed in claims 6 or 7, which is characterized in that the risk score program can also be described Processor executes, and with the risk score value of known insurance places all in the administrative region according to acquisition, calculates institute State the Regional Risk score value of the affiliated administrative region in target insurance place, comprising:

Or:

10. a kind of computer readable storage medium, which is characterized in that store risky comment on the computer readable storage medium Branch, the risk score program can be executed by one or more processor, to realize as any in claim 1 to 5 The step of risk score method described in item.