CN110796521A - Intelligent vehicle insurance recommendation method and device, equipment and storage medium - Google Patents
Intelligent vehicle insurance recommendation method and device, equipment and storage medium Download PDFInfo
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Abstract
The application discloses an intelligent vehicle insurance recommendation method, device, equipment and storage medium. The method comprises the steps of accessing and obtaining authorized data of a vehicle owner according to vehicle information, wherein the authorized data of the vehicle owner at least comprises behavior data of a vehicle and the vehicle owner in a preset time interval; accessing and acquiring insurance claim data according to the vehicle insurance information, wherein the insurance claim data at least comprises vehicle insurance data; and screening out insurance information conforming to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim settlement data, and recommending the insurance information to the vehicle owner. The application solves the technical problem of poor vehicle insurance recommendation effect. According to the method and the system, each vehicle owner is taken as a starting point, intelligent pushing is carried out based on big data, specific vehicle insurance products are recommended to the vehicle owners, and the service quality is improved.
Description
Technical Field
The application relates to the field of vehicle insurance, in particular to an intelligent vehicle insurance recommendation method, device, equipment and storage medium.
Background
The types of car insurance are numerous, and the insurance enterprises can also release different products.
The disadvantages are that: current car insurance purchases are passive services, typically informing the customer at expiration and giving offers mostly for the last year insurance instance. Meanwhile, the owner does not refer to the situation when purchasing.
Aiming at the problem of poor vehicle insurance recommendation effect in the related technology, no effective solution is provided at present.
Disclosure of Invention
The application mainly aims to provide an intelligent vehicle insurance recommendation method, device, equipment and storage medium, so as to solve the problem of poor vehicle insurance recommendation effect.
In order to achieve the above object, according to one aspect of the present application, there is provided an intelligent vehicle insurance recommendation method.
The intelligent vehicle insurance recommendation method comprises the following steps: accessing and acquiring authorized data of an owner according to vehicle information, wherein the authorized data of the owner at least comprises behavior data of the vehicle and the owner in a preset time interval; accessing and acquiring insurance claim data according to the vehicle insurance information, wherein the insurance claim data at least comprises vehicle insurance data; and screening out insurance information conforming to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim settlement data, and recommending the insurance information to the vehicle owner.
Further, accessing and acquiring the authorized data of the vehicle owner according to the vehicle information comprises:
accessing map service according to the vehicle information and acquiring the navigation data authorized by the vehicle owner;
and after the identity of the owner of the vehicle is determined according to the vehicle information, accessing a credit system and acquiring the authorized credit information of the owner of the vehicle.
Further, accessing and acquiring the authorized data of the vehicle owner according to the vehicle information comprises:
accessing a claim settlement system of an insurance or public evaluation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner;
and accessing an insurance application system of an insurance company according to the vehicle information and acquiring the authorized historical insurance application data of the owner.
Further, screening the insurance information conforming to the vehicle owner and recommending the insurance information to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data comprises:
establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
dividing the corresponding relation of the credit data of the vehicle owner, the claim settlement data and the driving kilometers of the vehicle according to the user grade;
screening out the insurance application information conforming to the vehicle owner through the user grade and recommending the insurance application information to the vehicle owner.
Further, screening the insurance information conforming to the vehicle owner and recommending the insurance information to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data comprises:
establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
and recommending the corresponding car insurance application scheme for each user grade according to historical application data and recommending to the car owner.
In order to achieve the above object, according to another aspect of the present application, an intelligent vehicle insurance recommendation apparatus is provided.
According to the application, the intelligent vehicle insurance recommendation device comprises: the system comprises a first data acquisition module, a first storage module and a second storage module, wherein the first data acquisition module is used for accessing and acquiring authorized data of a vehicle owner according to vehicle information, and the authorized data of the vehicle owner at least comprises behavior data of the vehicle and the vehicle owner in a preset time interval; the second data acquisition module is used for accessing and acquiring insurance claim settlement data according to the vehicle insurance information, wherein the insurance claim settlement data at least comprises vehicle insurance data; and the screening recommendation module is used for screening out the insurance information conforming to the vehicle owner and recommending the insurance information to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data.
Further, the first data obtaining module is configured to obtain the first data
Accessing map service according to the vehicle information and acquiring the navigation data authorized by the vehicle owner;
after determining the identity of the owner of the vehicle according to the vehicle information, accessing a credit system and acquiring the authorized credit information of the owner of the vehicle;
accessing a claim settlement system of an insurance or public evaluation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner;
and accessing an insurance application system of an insurance company according to the vehicle information and acquiring the authorized historical insurance application data of the owner.
Further, the screening recommendation module is used for
Establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
dividing the corresponding relation of the credit data of the vehicle owner, the claim settlement data and the driving kilometers of the vehicle according to the user grade;
screening out insurance application information conforming to the owner of the vehicle according to the user grade and recommending the insurance application information to the owner of the vehicle;
establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
and recommending the corresponding car insurance application scheme for each user grade according to historical application data and recommending to the car owner.
In order to achieve the above object, according to another aspect of the present application, there is provided an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the intelligent vehicle insurance recommendation method when executing the computer program.
In order to achieve the above object, according to another aspect of the present application, there is provided a computer-readable storage medium having a computer program stored thereon, where the computer program is executed by a processor to implement the steps of the intelligent vehicle insurance recommendation method.
In the embodiment of the application, the intelligent vehicle insurance recommendation method and device, the equipment and the storage medium adopt a mode of accessing and acquiring authorized data of a vehicle owner according to vehicle information, and access and acquiring insurance claim data according to the vehicle insurance information, so that the purposes of screening and recommending the insurance information according with the vehicle owner and the insurance claim data are achieved, the technical effect of accurately delivering vehicle insurance to the vehicle owner is achieved, and the technical problem of poor vehicle insurance recommendation effect is solved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings and their description illustrate the embodiments of the invention and do not limit it. In the drawings:
FIG. 1 is a schematic flow chart of an intelligent vehicle insurance recommendation method according to an embodiment of the application;
FIG. 2 is a schematic flow chart of an intelligent vehicle insurance recommendation method according to an embodiment of the application;
FIG. 3 is a flow chart diagram of an intelligent vehicle insurance recommendation method according to an embodiment of the application;
FIG. 4 is a flow chart diagram of an intelligent vehicle insurance recommendation method according to an embodiment of the application;
FIG. 5 is a flow chart diagram of an intelligent vehicle insurance recommendation method according to an embodiment of the application;
FIG. 6 is a schematic structural diagram of an intelligent vehicle insurance recommendation device according to an embodiment of the application;
fig. 7 is a schematic diagram of an apparatus structure according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In this application, the terms "upper", "lower", "left", "right", "front", "rear", "top", "bottom", "inner", "outer", "middle", "vertical", "horizontal", "lateral", "longitudinal", and the like indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings. These terms are used primarily to better describe the present application and its embodiments, and are not used to limit the indicated devices, elements or components to a particular orientation or to be constructed and operated in a particular orientation.
Moreover, some of the above terms may be used to indicate other meanings besides the orientation or positional relationship, for example, the term "on" may also be used to indicate some kind of attachment or connection relationship in some cases. The specific meaning of these terms in this application will be understood by those of ordinary skill in the art as appropriate.
Furthermore, the terms "mounted," "disposed," "provided," "connected," and "sleeved" are to be construed broadly. For example, it may be a fixed connection, a removable connection, or a unitary construction; can be a mechanical connection, or an electrical connection; may be directly connected, or indirectly connected through intervening media, or may be in internal communication between two devices, elements or components. The specific meaning of the above terms in the present application can be understood by those of ordinary skill in the art as appropriate.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
As shown in fig. 1, the method includes steps S101 to S103 as follows:
step S101, accessing and obtaining authorized data of the owner according to the vehicle information,
the authorized data of the vehicle owner at least comprises behavior data of the vehicle and the vehicle owner in a preset time interval.
The preset time interval refers to a time interval calculated according to the year, such as a time interval of the last year.
The behavior data of the vehicle mainly refers to a map navigation path of the vehicle and is mainly used for recording driving mileage.
The behavior data of the vehicle owner mainly refers to credit information, purchasing ability evaluation information and possibly generated claim settlement information of the vehicle owner.
Optionally, the authorized data of the vehicle owner can be accessed and obtained through an API application program interface.
Step S102, accessing and obtaining insurance claim settlement data according to the vehicle insurance information,
the insurance claim data includes at least vehicle insurance data.
The vehicle insurance data mainly refers to recent activities, claim settlement services and underwriting conditions of insurance enterprises or public estimation companies.
Optionally, the vehicle insurance data may also include data of a vehicle service shop.
And S103, screening out insurance information conforming to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data, and recommending the insurance information to the vehicle owner.
And according to the authorized data of the vehicle owners and the insurance claim settlement data, after the integration, vehicle owners of different levels are divided, corresponding insurance application information is formulated for the vehicle owners of different levels, and then insurance application information conforming to the vehicle owners is screened out and recommended to the vehicle owners.
Optionally, the vehicle insurance vehicle owners can be intelligently launched through the communication channel by combining the collected user data within the time range meeting the expiration of the vehicle insurance insurances in various cities. The user data mainly refers to a mobile phone number, a social account number and the like.
From the above description, it can be seen that the following technical effects are achieved by the present application:
in this application embodiment, adopt and insert and acquire the mode of car owner's authorized data according to vehicle information, through inserting and acquire insurance claim data according to car insurance information, reached according to car owner's authorized data with insurance claim data are selected and are accorded with car owner's application of insurance information and to the purpose that the car owner recommended to realized the accurate technological effect of throwing for the car owner of car insurance, and then solved the not good technical problem of car insurance recommendation effect.
According to the embodiment of the present application, as a preference in the embodiment, as shown in fig. 2,
the step of accessing and acquiring the authorized data of the vehicle owner according to the vehicle information comprises the following steps:
step S201, accessing map service according to vehicle information and acquiring authorized navigation data of a vehicle owner;
and step S202, after the identity of the owner of the vehicle is determined according to the vehicle information, the credit system is accessed, and the authorized credit information of the owner of the vehicle is obtained.
Accessing map service according to vehicle information and acquiring navigation data authorized by a vehicle owner, determining the identity of the vehicle owner according to the vehicle information, accessing a credit system and acquiring credit information authorized by the vehicle owner.
In particular, the navigation path may be accessed and obtained from a third party mapping service's mapping system.
In particular, credit information authorized by the owner of the vehicle can be accessed and obtained from the personal credit investigation system.
According to the embodiment of the present application, as a preference in the embodiment, as shown in fig. 3,
the step of accessing and acquiring the authorized data of the vehicle owner according to the vehicle information comprises the following steps:
step S301, accessing a claim settlement system of an insurance or public estimation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner;
and step S302, accessing an insurance application system of an insurance company according to the vehicle information and acquiring the authorized historical insurance application data of the owner.
And accessing a claim settlement system of an insurance or public evaluation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner, and accessing an insurance application system of the insurance company according to the vehicle information and acquiring historical insurance application data authorized by the vehicle owner.
The insurance or public estimate company claim settlement system has related claim settlement data therein, and is accessible and accessible by the owner of the vehicle.
Specifically, the claim settlement data is acquired from a claim settlement system of an insurance company and an public estimation company.
Specifically, the historical insurance data, such as the insurance data of the last year, is obtained from an insurance company system and an insurance service company system.
According to the embodiment of the present application, as a preference in the embodiment, as shown in fig. 4,
screening out the insurance information conforming to the vehicle owner and recommending the insurance information to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data comprises the following steps:
step S401, establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim data;
step S402, dividing the corresponding relation of the credit data of the vehicle owner, the claim settlement data and the driving kilometers of the vehicle according to the user grades;
and S403, screening out insurance application information conforming to the owner of the vehicle according to the user level and recommending the insurance application information to the owner of the vehicle.
And carrying out user rating according to the acquired credit information of the vehicle owner, the driving habit information of the vehicle, the claim settlement data of the vehicle, the last year insurance application condition of the vehicle and the like, and putting in a corresponding scheme to the vehicle owner according to specific rating.
And establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data, dividing the corresponding relation among the credit data, the claim settlement data and the driving kilometers of the vehicle owner according to the user grade, screening the insurance information conforming to the vehicle owner through the user grade, and recommending the insurance information to the vehicle owner.
Specifically, user ranking may be performed as follows:
class A users: the credit score > is 700, the number of claims is 0 in one year, and the driving mileage is within 2 kilometers in one year;
b type users: 700> credit mark > is 650, the number of claim settlement times in one year is within 3, and the driving mileage in one year is within 5 kilometers;
class C user: 650> credit mark > is 500, the number of claim settlement times in a year is within 5, and the driving mileage in a year is within 8 kilometers;
and D-class users have credit score of below 500, claim settlement times of more than 5 times in one year and driving mileage of more than 8 kilometers in one year.
According to the embodiment of the present application, as a preference in the embodiment, as shown in fig. 5,
step S501, according to the authorized data of the vehicle owner and the insurance claim data, screening out insurance information conforming to the vehicle owner and recommending the insurance information to the vehicle owner includes:
step S502, establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim data;
and S503, recommending a corresponding insurance application scheme for each user grade according to historical insurance application data and recommending to the vehicle owner.
Specifically, the vehicle insurance scheme is recommended according to the historical insurance information, such as the previous year insurance information:
for class a users: the insurance enterprise product with the highest vehicle insurance reward is recommended, the driving insurance promotion is increased, and special high-quality service is provided.
The high-quality service may be free car washing for N times of free designated driving, free lane rescue, and the like, which are not limited in the embodiments of the present application.
For class B users: the vehicle insurance products of the enterprises and vehicles with slightly higher awards are recommended, and special high-quality services are provided.
The high-quality service can be secondary free designated driving which is less than the high-quality service times, secondary free car washing which is less than the high-quality service times and free lane rescue.
For class C users: medium-sized and large-sized insurance enterprise car insurance products with medium awards and good claim settlement services are recommended, and no special service is provided.
For class D users: and large insurance enterprise and vehicle insurance products with high quality are recommended to claim settlement services, accident insurance application is increased, and no special service is provided.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
According to an embodiment of the present application, there is also provided an intelligent vehicle insurance recommendation apparatus for implementing the method, as shown in fig. 6, the apparatus includes: the system comprises a first data acquisition module 10, a first storage module and a second storage module, wherein the first data acquisition module is used for accessing and acquiring authorized data of a vehicle owner according to vehicle information, and the authorized data of the vehicle owner at least comprises behavior data of the vehicle and the vehicle owner in a preset time interval; the second data acquisition module 11 is configured to access and acquire insurance claim settlement data according to vehicle insurance information, where the insurance claim settlement data at least includes vehicle insurance data; and the screening recommendation module 12 is used for screening out the insurance information conforming to the vehicle owner and recommending the insurance information to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data.
In the first data obtaining module 10 of the embodiment of the present application, the authorized data of the vehicle owner at least includes behavior data of the vehicle and the vehicle owner within a preset time interval.
The preset time interval refers to a time interval calculated according to the year, such as a time interval of the last year.
The behavior data of the vehicle mainly refers to a map navigation path of the vehicle and is mainly used for recording driving mileage.
The behavior data of the vehicle owner mainly refers to credit information, purchasing ability evaluation information and possibly generated claim settlement information of the vehicle owner.
Optionally, the authorized data of the vehicle owner can be accessed and obtained through an API application program interface.
The insurance claim settlement data in the second data acquisition module 11 of the embodiment of the present application at least includes vehicle insurance data.
The vehicle insurance data mainly refers to recent activities, claim settlement services and underwriting conditions of insurance enterprises or public estimation companies.
Optionally, the vehicle insurance data may also include data of a vehicle service shop.
According to the authorized data of the car owner and the insurance claim settlement data, the screening recommendation module 12 divides the car owners in different levels after integration, formulates corresponding insurance application information aiming at the car owners in different levels, and then screens out insurance application information conforming to the car owners and recommends to the car owners.
Optionally, the vehicle insurance vehicle owners can be intelligently launched through the communication channel by combining the collected user data within the time range meeting the expiration of the vehicle insurance insurances in various cities. The user data mainly refers to a mobile phone number, a social account number and the like.
According to the embodiment of the present application, as a preferred option in the embodiment, the first data obtaining module 10 is configured to access a map service according to vehicle information and obtain navigation data authorized by a vehicle owner; after determining the identity of the owner of the vehicle according to the vehicle information, accessing a credit system and acquiring the authorized credit information of the owner of the vehicle; accessing a claim settlement system of an insurance or public evaluation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner; and accessing an insurance application system of an insurance company according to the vehicle information and acquiring the authorized historical insurance application data of the owner.
Accessing map service according to vehicle information and acquiring navigation data authorized by a vehicle owner, determining the identity of the vehicle owner according to the vehicle information, accessing a credit system and acquiring credit information authorized by the vehicle owner.
In particular, the navigation path may be accessed and obtained from a third party mapping service's mapping system.
In particular, credit information authorized by the owner of the vehicle can be accessed and obtained from the personal credit investigation system.
And accessing a claim settlement system of an insurance or public evaluation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner, and accessing an insurance application system of the insurance company according to the vehicle information and acquiring historical insurance application data authorized by the vehicle owner.
The insurance or public estimate company claim settlement system has related claim settlement data therein, and is accessible and accessible by the owner of the vehicle.
Specifically, the claim settlement data is acquired from a claim settlement system of an insurance company and an public estimation company.
Specifically, the historical insurance data, such as the insurance data of the last year, is obtained from an insurance company system and an insurance service company system.
According to the embodiment of the present application, as a preferred option in the embodiment, the screening recommendation module 12 is configured to establish and calculate a user rating according to the vehicle owner authorized data and the insurance claim settlement data; dividing the corresponding relation of the credit data of the vehicle owner, the claim settlement data and the driving kilometers of the vehicle according to the user grade; screening out insurance application information conforming to the owner of the vehicle according to the user grade and recommending the insurance application information to the owner of the vehicle; establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data; and recommending the corresponding car insurance application scheme for each user grade according to historical application data and recommending to the car owner.
And carrying out user rating according to the acquired credit information of the vehicle owner, the driving habit information of the vehicle, the claim settlement data of the vehicle, the last year insurance application condition of the vehicle and the like, and putting in a corresponding scheme to the vehicle owner according to specific rating.
And establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data, dividing the corresponding relation among the credit data, the claim settlement data and the driving kilometers of the vehicle owner according to the user grade, screening the insurance information conforming to the vehicle owner through the user grade, and recommending the insurance information to the vehicle owner.
Specifically, user ranking may be performed as follows:
class A users: the credit score > is 700, the number of claims is 0 in one year, and the driving mileage is within 2 kilometers in one year;
b type users: 700> credit mark > is 650, the number of claim settlement times in one year is within 3, and the driving mileage in one year is within 5 kilometers;
class C user: 650> credit mark > is 500, the number of claim settlement times in a year is within 5, and the driving mileage in a year is within 8 kilometers;
and D-class users have credit score of below 500, claim settlement times of more than 5 times in one year and driving mileage of more than 8 kilometers in one year.
Specifically, the vehicle insurance scheme is recommended according to the historical insurance information, such as the previous year insurance information:
for class a users: the insurance enterprise product with the highest vehicle insurance reward is recommended, the driving insurance promotion is increased, and special high-quality service is provided.
The high-quality service may be free car washing for N times of free designated driving, free lane rescue, and the like, which are not limited in the embodiments of the present application.
For class B users: the vehicle insurance products of the enterprises and vehicles with slightly higher awards are recommended, and special high-quality services are provided.
The high-quality service can be secondary free designated driving which is less than the high-quality service times, secondary free car washing which is less than the high-quality service times and free lane rescue.
For class C users: medium-sized and large-sized insurance enterprise car insurance products with medium awards and good claim settlement services are recommended, and no special service is provided.
For class D users: and large insurance enterprise and vehicle insurance products with high quality are recommended to claim settlement services, accident insurance application is increased, and no special service is provided.
The embodiment of the application also provides computer equipment. As shown in fig. 3, the computer device 30 may include: the at least one processor 301, e.g., CPU, the at least one network interface 304, the user interface 303, the memory 305, the at least one communication bus 302, and optionally, a display screen 306. Wherein a communication bus 302 is used to enable the connection communication between these components. The user interface 303 may include a touch screen, a keyboard or a mouse, among others. The network interface 304 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface), and a communication connection may be established with the server via the network interface 304. The memory 305 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as at least one disk memory, and the memory 305 includes a flash in the embodiment of the present invention. The memory 305 may alternatively be at least one memory system located remotely from the processor 301. As shown in fig. 3, memory 305, which is a type of computer storage medium, may include an operating system, a network communication module, a user interface module, and program instructions.
It should be noted that the network interface 304 may be connected to a receiver, a transmitter or other communication module, and the other communication module may include, but is not limited to, a WiFi module, a bluetooth module, etc., and it is understood that the computer device in the embodiment of the present invention may also include a receiver, a transmitter, other communication module, etc.
Processor 301 may be configured to call program instructions stored in memory 305 and cause computer device 30 to:
accessing and acquiring authorized data of an owner according to vehicle information, wherein the authorized data of the owner at least comprises behavior data of the vehicle and the owner in a preset time interval;
accessing and acquiring insurance claim data according to the vehicle insurance information, wherein the insurance claim data at least comprises vehicle insurance data;
and screening out insurance information conforming to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim settlement data, and recommending the insurance information to the vehicle owner.
And after establishing user categories for accurate analysis of claim settlement data, user data and the like, putting in the data through communication channels such as telephone, WeChat, short message and the like.
It will be apparent to those skilled in the art that the modules or steps of the present application described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present application is not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. An intelligent vehicle insurance recommendation method is characterized by comprising the following steps:
accessing and acquiring authorized data of an owner according to vehicle information, wherein the authorized data of the owner at least comprises behavior data of the vehicle and the owner in a preset time interval;
accessing and acquiring insurance claim data according to the vehicle insurance information, wherein the insurance claim data at least comprises vehicle insurance data;
and screening out insurance information conforming to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim settlement data, and recommending the insurance information to the vehicle owner.
2. The intelligent vehicle insurance recommendation method according to claim 1, wherein accessing and obtaining authorized data of a vehicle owner according to vehicle information comprises:
accessing map service according to the vehicle information and acquiring the navigation data authorized by the vehicle owner;
and after the identity of the owner of the vehicle is determined according to the vehicle information, accessing a credit system and acquiring the authorized credit information of the owner of the vehicle.
3. The intelligent vehicle insurance recommendation method according to claim 1, wherein accessing and obtaining authorized data of a vehicle owner according to vehicle information comprises:
accessing a claim settlement system of an insurance or public evaluation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner;
and accessing an insurance application system of an insurance company according to the vehicle information and acquiring the authorized historical insurance application data of the owner.
4. The intelligent vehicle insurance recommendation method according to claim 1, wherein screening insurance information conforming to the vehicle owner and recommending the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data comprises:
establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
dividing the corresponding relation of the credit data of the vehicle owner, the claim settlement data and the driving kilometers of the vehicle according to the user grade;
screening out the insurance application information conforming to the vehicle owner through the user grade and recommending the insurance application information to the vehicle owner.
5. The intelligent vehicle insurance recommendation method according to claim 1, wherein screening insurance information conforming to the vehicle owner and recommending the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data comprises:
establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
and recommending the corresponding car insurance application scheme for each user grade according to historical application data and recommending to the car owner.
6. An intelligent vehicle insurance recommendation device, comprising:
the system comprises a first data acquisition module, a first storage module and a second storage module, wherein the first data acquisition module is used for accessing and acquiring authorized data of a vehicle owner according to vehicle information, and the authorized data of the vehicle owner at least comprises behavior data of the vehicle and the vehicle owner in a preset time interval;
the second data acquisition module is used for accessing and acquiring insurance claim settlement data according to the vehicle insurance information, wherein the insurance claim settlement data at least comprises vehicle insurance data;
and the screening recommendation module is used for screening out the insurance information conforming to the vehicle owner and recommending the insurance information to the vehicle owner according to the authorized data of the vehicle owner and the insurance claim data.
7. The intelligent vehicle insurance recommendation device according to claim 6, wherein the first data acquisition module is configured to acquire the vehicle insurance data
Accessing map service according to the vehicle information and acquiring the navigation data authorized by the vehicle owner;
after determining the identity of the owner of the vehicle according to the vehicle information, accessing a credit system and acquiring the authorized credit information of the owner of the vehicle;
accessing a claim settlement system of an insurance or public evaluation company according to the vehicle information and acquiring claim settlement data authorized by a vehicle owner;
and accessing an insurance application system of an insurance company according to the vehicle information and acquiring the authorized historical insurance application data of the owner.
8. The intelligent vehicle insurance recommendation device of claim 6, wherein the screening recommendation module is configured to select the vehicle insurance recommendation device
Establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
dividing the corresponding relation of the credit data of the vehicle owner, the claim settlement data and the driving kilometers of the vehicle according to the user grade;
screening out insurance application information conforming to the owner of the vehicle according to the user grade and recommending the insurance application information to the owner of the vehicle;
establishing and calculating a user grade according to the authorized data of the vehicle owner and the insurance claim settlement data;
and recommending the corresponding car insurance application scheme for each user grade according to historical application data and recommending to the car owner.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the intelligent vehicle insurance recommendation method of any one of claims 1 to 5 when executing the program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the intelligent vehicle insurance recommendation method according to any one of claims 1 to 5.
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| CN201911050889.3A CN110796521A (en) | 2019-10-30 | 2019-10-30 | Intelligent vehicle insurance recommendation method and device, equipment and storage medium |
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| CN201911050889.3A CN110796521A (en) | 2019-10-30 | 2019-10-30 | Intelligent vehicle insurance recommendation method and device, equipment and storage medium |
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