CN114971924A

CN114971924A - Ship premium determining method, ship premium determining device, electronic equipment and storage medium

Info

Publication number: CN114971924A
Application number: CN202210593419.7A
Authority: CN
Inventors: 黎锐枢; 郭彬鹏; 晏楠; 徐昌举
Original assignee: Guangdong ePropulsion Technology Co Ltd
Current assignee: Guangdong ePropulsion Technology Co Ltd
Priority date: 2022-05-27
Filing date: 2022-05-27
Publication date: 2022-08-30

Abstract

The invention discloses a method and a device for determining ship premium, electronic equipment and a storage medium, wherein the method comprises the following steps: acquiring model information, hull condition information and membership user information corresponding to a target ship of the target ship, wherein the hull condition information comprises current damage condition information and future use condition information of the target ship; respectively determining ship value attributes corresponding to the model information, the ship condition information and the affiliation user information; premium information for the target vessel is determined based on the value attributes of each vessel. According to the technical scheme of the embodiment of the invention, the automatic determination of the ship premium can be realized according to the related data, the labor cost is reduced, the reference factors for determining the premium information are comprehensive, and the accuracy of the premium information is improved.

Description

Ship premium determining method and device, electronic equipment and storage medium

Technical Field

The present invention relates to the field of ship management technologies, and in particular, to a ship premium determination method, a ship premium determination apparatus, an electronic device, and a computer-readable storage medium.

Background

During the whole process from the beginning of launching of a ship during construction to the final abandonment and dismantling of the ship, insurance needs to be purchased for the ship, and all or part of loss and possible liability compensation caused by natural disasters and accidents when the ship is sailed at sea or parked in a port are guaranteed.

At present, a common method for determining a premium of a ship usually comprises a user filling in related data, auditing the data, and manually determining the premium according to the related data. The method is complicated, a large amount of labor and time are consumed, and in addition, the reference factors in determining the guarantee fee are not comprehensive enough at present, so that the guarantee fee determined finally is not accurate enough.

Disclosure of Invention

The invention provides a ship premium determining method, a ship premium determining device, electronic equipment and a computer readable storage medium, so as to achieve the technical effect of improving the calculation efficiency and accuracy of premium.

According to an aspect of the present invention, there is provided a method of determining a premium for a ship, the method comprising:

acquiring model information, hull condition information and membership user information corresponding to a target ship of the target ship, wherein the hull condition information comprises current damage condition information and future use condition information of the target ship;

respectively determining ship value attributes corresponding to the model information, the ship condition information and the affiliation user information;

and determining premium information of the target ship based on each ship value attribute.

According to another aspect of the present invention, there is provided a ship premium determination apparatus, comprising:

the system comprises an information acquisition module, a data processing module and a data processing module, wherein the information acquisition module is used for acquiring model information, hull condition information and membership user information corresponding to a target ship of the target ship, and the hull condition information comprises current damage condition information and future use condition information of the target ship;

the ship value attribute determining module is used for respectively determining ship value attributes corresponding to the model information, the ship body condition information and the affiliation user information;

and the premium information determining module is used for determining premium information of the target ship based on the value attributes of all ships.

According to another aspect of the present invention, there is provided an electronic apparatus including:

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores a computer program executable by the at least one processor, the computer program being executable by the at least one processor to enable the at least one processor to perform the method of determining a premium for a ship of any embodiment of the present invention.

According to another aspect of the present invention, there is provided a computer readable storage medium storing computer instructions for causing a processor to implement a method of determining a premium for a ship according to any one of the embodiments of the present invention when the computer instructions are executed.

According to the technical scheme of the embodiment of the invention, the model information, the hull condition information and the affiliation user information corresponding to the target ship are firstly obtained, then the ship value attributes corresponding to the model information, the hull condition information and the affiliation user information are respectively determined, and finally the premium information of the target ship is determined based on the ship value attributes.

It should be understood that the statements in this section do not necessarily identify key or critical features of the embodiments of the present invention, nor do they necessarily limit the scope of the invention. Other features of the present invention will become apparent from the following description.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a flowchart of a method for determining a premium of a ship according to an embodiment of the present invention;

fig. 2 is a schematic structural diagram of a ship premium determining apparatus according to a second embodiment of the present invention;

fig. 3 is a schematic structural diagram of an electronic device implementing the ship premium determination method according to the embodiment of the present invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the 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 invention.

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention 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 is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. 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.

It is understood that before the technical solutions disclosed in the embodiments of the present invention are used, the type, the use range, the use scene, etc. of the personal information related to the present invention should be informed to the user and authorized by the user in a proper manner according to the relevant laws and regulations.

Example one

Fig. 1 is a flowchart of a method for determining a ship premium, which is applicable to a case of determining ship premium information according to an embodiment of the present invention, and the method may be implemented by a ship premium determining device, which may be implemented in the form of hardware and/or software, and the ship anchor loss detecting device may be configured in at least one of a mobile terminal and a server. As shown in fig. 1, the method includes:

and S110, acquiring model information of the target ship, ship state information and membership user information corresponding to the target ship.

Generally, in the whole process from the construction and launching of the ship to the operation and the berthing of the ship and the final scrapping and dismantling of the ship, in order to ensure the relative benefits of the ship and the affiliated users of the ship, the method can be realized by applying insurance to the ship, and the ship needing the insurance application can be used as a target ship. The model information may be information characterizing the performance, size, and dimensions of the ship. The model information may be used to determine initial performance and initial value attributes of the target vessel, etc. The hull condition information includes current damage condition information and future use condition information of the target vessel. The current damage condition information may be information representing a ship hull damage condition and an internal damage condition. The future use condition information can be ship condition information estimated according to the environment of the target ship and other corresponding information.

In this embodiment, the affiliation user information may be information representing ownership of the ship. Optionally, the affiliation user information includes that the affiliation user of the target ship is a personal owner or a fleet owner. Wherein, the shipowner is the main body legally owning the ship ownership. Illustratively, the owner may be a citizen, a legal person, a company, a corporate group, or the like. Accordingly, the individual owner may indicate that the target vessel's ownership is owned by the individual, and the fleet owner may indicate that the target vessel's ownership is owned by the fleet.

Specifically, when the target ship needs to be insured and the premium corresponding to the target ship is determined, the model information of the target ship, the current damage condition information of the ship, the future use condition information and the affiliation user information corresponding to the target ship need to be acquired, and then the ship value of the target ship can be evaluated according to the information.

It should be noted that, before the technical solution of the embodiment of the present invention is used, the user is informed of the acquired information and the usage by law, and is authorized by the user.

In practical application, since the hull condition information of the target ship includes the current damage condition information and the future use condition information, the information needs to be obtained through different information obtaining modes.

Optionally, the obtaining of the hull condition information of the target ship includes: ship damage data of the target ship in the historical navigation process are acquired through a ship detection device arranged on the target ship; and determining the current damage condition information of the hull of the target ship according to the hull damage data.

In this embodiment, the ship detection device may be a device for detecting the current state of the ship and acquiring corresponding data.

Optionally, the ship detection device includes a gyroscope for acquiring impact data of the target ship in the historical navigation process. The gyroscope is an angular motion detection device which uses a momentum moment sensitive shell of a high-speed revolving body to rotate around one or two axes which are orthogonal to a rotation axis relative to an inertia space. In general, a target ship may have a slight collision or a severe collision during the navigation process, and when the target ship has a collision, a gyroscope disposed on the ship records the current collision and acquires corresponding data, and the acquired data may be used as the collision data of the target ship during the historical navigation process.

Optionally, the ship detection device further includes an inertial sensor for acquiring shaking data of the target ship during the historical navigation. Among them, the inertial sensor is a sensor for detecting and measuring acceleration, inclination, impact, vibration, rotation, and multiple degrees of freedom motion. Illustratively, the inertial sensors include accelerometers, angular rate sensors, and single-, double-, and three-axis combination inertial measurement units thereof. Under the general condition, boats and ships are at the navigation in-process, because the effect of sea wind and wave, can lead to the condition that boats and ships appear jolting and rock, the more that boats and ships jolt at the navigation in-process, the loss to boats and ships is big more, consequently, when boats and ships appear jolting and rock the condition at the navigation in-process, the inertial sensor who sets up on the target vessel can detect and gather corresponding data to the current condition of rocking, can regard the data after gathering as the data of rocking of target vessel in historical navigation in-process.

In specific implementation, when the current damage condition of the target ship needs to be evaluated, ship damage data of the target ship in the historical navigation process can be collected through a ship detection device arranged on the target ship, so that the current damage condition information of the target ship can be determined according to the ship damage data.

Optionally, the obtaining of the hull condition information of the target ship includes: historical voyage data of the target ship is acquired to determine future use condition information of the target ship based on the historical voyage data.

And the historical navigation data is navigation data recorded by the target ship in the historical navigation task. For example, the historical voyage data may include the daily active waters of the target vessel, the historical number of transoceanic voyages, and the like. The future use condition information includes at least one of future sailing water area information and ocean-going sailing frequency information of the target ship.

In specific implementation, when the future use condition of the target ship needs to be evaluated, historical navigation data of the target ship can be obtained, and the future use condition information of the target ship is determined according to analysis of the historical navigation data.

Alternatively, future usage information for the target vessel may also be determined based on input information of a corresponding user of the target vessel. For example, when a target ship is traded, it is sold by user a to user B, who may use the ship differently than user a. Then, when user B purchases insurance for the target vessel, future usage information for the target vessel may be determined based on the input information of user B.

And S120, respectively determining ship value attributes corresponding to the model information, the ship state information and the membership user information.

In this embodiment, the ship value attribute may be a ship value evaluation value, and may be used to represent the economic value of the ship, for example, a higher ship value attribute indicates a higher economic value of the ship, whereas a lower ship value attribute indicates a lower economic value of the ship.

In practical application, the ship value attribute can be evaluated based on the model information, the hull condition information and the affiliation user information of the target ship, and then the ship value attributes corresponding to the model information, the hull condition information and the affiliation user information are obtained respectively.

Optionally, for the model information, each model information has a corresponding ship value attribute, so that when the ship value attribute corresponding to the model information of the target ship is determined, the ship value attribute corresponding to the model information of the ship can be determined according to a pre-established mapping relation table between the model information and the ship value attribute.

Optionally, the ship hull condition information includes current damage condition information and future use condition information, so that ship value attributes corresponding to the current condition information and the future use condition information can be determined respectively. In this embodiment, for the current damage condition information, the current condition information of the target ship needs to be evaluated by multiple value evaluation factors, and then, the ship value attribute corresponding to the current condition information is determined according to the evaluation result. For example, the value evaluation factors of the current damage condition information may include the age of the target ship, the sailing path, the sun exposure, ship impact data, ship sloshing data, and the like. When the ship value attribute corresponding to the current condition information of the target ship is determined based on the value evaluation factors, the ship value attribute corresponding to the current damage condition information of the ship can be determined according to a mapping relation table between each value evaluation factor and the ship value attribute in the current damage condition information which is established in advance. For example, when the age of a ship is longer, the lower its ship value attribute is; the longer the navigation path of the ship is, the lower the value attribute of the ship is; the more serious the ship shakes during navigation, the greater the loss of the ship, and the value attribute of the ship is reduced.

Optionally, for the future use condition information, multiple value evaluation factors are also needed to evaluate the future use condition information, and the ship value attribute corresponding to the future use condition information is determined according to the evaluation result. For example, the value evaluation factors of the future use condition information may include the daily activity water area of the ship, the ocean voyage frequency of the ship, and the like. And when the ship value attribute corresponding to the future use condition information of the target ship is determined based on the evaluation factors, determining the ship value attribute corresponding to the future use condition information of the ship according to a mapping relation table between each value evaluation factor and the ship value attribute which is established in advance. For example, the risk of the daily activity water area of the ship is lower, and the value attribute of the ship is lower, whereas the risk of the daily activity water area of the ship is higher, and the value attribute of the ship is higher; the higher the ocean voyage frequency of the ship, the higher the value attribute of the ship.

Optionally, for the affiliate user information, multiple value evaluation factors are also used for evaluating the affiliate user information, each value evaluation factor has a corresponding ship value attribute, and the ship value attribute corresponding to the affiliate user information is determined according to the evaluation result. Exemplary value assessment factors for affiliate user information include age of the owner and whether the owner is an individual owner or a fleet owner, among others. When the ship value attribute corresponding to the affiliate user information of the target ship is determined based on the value evaluation factors, the ship value attribute corresponding to the affiliate user information of the ship can be determined according to a mapping relation table between the value evaluation factors of the respective affiliate user information and the ship value attribute which is established in advance. For example, when the value evaluation factor is the age of the owner, the value attribute of the ship is higher for older and younger owners because the driving experience of younger owners is less and the possibility of an accident is higher, while the ship handling capability and the reaction capability of older owners are reduced and the possibility of an accident is higher, while the value attribute of the ship is relatively lower for middle-aged owners because the driving experience of middle-aged owners is rich and the reaction capability is faster and the possibility of an accident is relatively lower; when the value assessment factor is the individual owner or the fleet owner, the ship value attribute is lower for the individual owner due to a higher ship idleness rate, and higher for the fleet owner due to a lower ship idleness rate.

And S130, determining premium information of the target ship based on the value attributes of the ships.

Generally, when a ship is commissioned, the corresponding insurance cost is determined according to the value of the ship, so that when the ship damages the own benefits, the corresponding compensation can be obtained according to the determined insurance cost, and the determined insurance cost can be used as insurance cost information of a target ship.

In practical application, because the importance degrees of the value evaluation factors corresponding to the ship value attributes in the ship premium evaluation process are different, after the ship value attributes are determined, the weight values of the value evaluation factors corresponding to the ship value attributes need to be further determined, and then the ship value attributes and the corresponding weight values are weighted and summed to obtain the target value attributes of the target ship.

Further, the premium information of the target ship is determined according to the mapping relation between the target value attribute and the ship premium information which is established in advance.

It should be noted that, when determining the ship premium information, not only the ship's own factors and the ship owner's factors need to be considered, but also the driving skill of the ship pilot is an important factor for determining the ship premium information. Based on the above technical solution, the method for determining the ship premium further includes: acquiring basic information and driving skill evaluation information of a driver corresponding to a target ship; determining the driving skill evaluation attribute of the driver according to the basic information and the driving skill evaluation information; premium information is updated based on the driving skill evaluation attribute.

The basic information of the driver can be unique identification information for characterizing the identity of the driver. The driving skill evaluation information may be pieces of index information for evaluating the driving skill of the ship pilot. For example, the driving skill evaluation information may include, but is not limited to, driving state information, driving accident information, and navigation comment information. The driving skill evaluation attribute may be an evaluation result of the driving skill of the driver.

Optionally, obtaining driving skill evaluation information of a driver corresponding to the target ship includes: obtaining voyage data for at least one historical voyage task associated with a driver; and determining driving skill evaluation information according to the navigation data.

The navigation data includes at least one of energy consumption information, ship shaking information and navigation path information. The energy consumption information may include at least one of a ship fuel consumption amount and an energy utilization rate. In practical application, when a ship engine pushes a ship to navigate, a part of heat energy contained in built-in fuel in the engine is converted into mechanical energy, the part of heat energy is effective energy, the rest part of heat energy is lost in the form of heat energy or kinetic energy, and the part of heat energy is ineffective; the energy utilization may be a percentage of the available energy to the supplied energy. The ship shaking information may include a motion angular velocity, a motion acceleration, and the like. The navigation path information may include route information, origin information, destination information, a navigation distance, and the like.

In practical application, when the driving skill of the driver corresponding to the target ship is evaluated, energy information consumed by the ship when the driver executes a certain historical navigation task, navigation path information of the ship and ship shaking information acquired by the inertial sensor during the navigation of the ship can be acquired, and the information is used as navigation data, so that the driving skill evaluation information can be determined according to the navigation data.

Optionally, the navigation data includes energy consumption information, and the determining driving skill information according to the navigation data includes: acquiring a plurality of reference historical navigation tasks corresponding to the historical navigation tasks; calculating reference energy consumption information according to a plurality of reference historical navigation tasks; and determining driving skill information corresponding to the energy consumption information according to the difference between the energy consumption information and the reference energy consumption information.

For example, if the historical navigation task 1 is a task in which a model a1 ship navigates from the origin a1 to the destination B1, the reference historical navigation task may also be a task in which a model a1 ship navigates from the origin a1 to the destination B1. The reference historical navigation task and the historical navigation task can be different or the same. It should be noted that, in order to improve the accuracy of the evaluation, as many reference historical navigation tasks corresponding to drivers different from the user to be evaluated may be obtained as possible.

In this embodiment, a plurality of reference historical navigation tasks that are consistent with the navigation task data or have a small data error may be obtained based on the navigation task data in the historical navigation tasks, for example, the navigation task data includes ship information, transportation materials, a departure place, a destination, and the like. For example, when the historical voyage task is an airline 1 task, the voyage tasks performed by all drivers on the airline 1 may be used as the reference historical voyage task. Further, energy consumption information of the ship in each reference historical navigation task is obtained, if the energy consumption information is ship fuel consumption, mean value processing can be performed on the ship fuel consumption to obtain a mean value of the ship fuel consumption, the mean value can be used as reference energy consumption information, further, the reference energy consumption information can be compared with the ship fuel consumption corresponding to a user to be evaluated, for example, a difference value between the ship fuel consumption and the reference energy consumption information (specifically, a value obtained by subtracting the reference energy consumption information from the ship fuel consumption) can be calculated, and the difference value is used as a difference degree. If the difference degree is larger, the attribute characteristic value corresponding to the ship fuel consumption can be represented to be lower, and if the difference degree is smaller, the attribute characteristic value corresponding to the ship fuel consumption can be represented to be higher, and the driving skill of a driver is better. Alternatively, the ship fuel consumption with the smallest value may be obtained from the ship fuel consumption of the plurality of reference historical voyage missions, the ship fuel consumption with the smallest value may be used as the reference ship energy consumption information, and the reference energy consumption information may be compared with the ship fuel consumption corresponding to the driver, for example, a difference between the ship fuel consumption and the reference energy consumption information (specifically, a value obtained by subtracting the reference energy consumption information from the ship fuel consumption) may be calculated, and the difference may be used as the degree of difference. If the difference degree is larger, the attribute characteristic value corresponding to the ship fuel consumption can be represented to be lower, and if the difference degree is smaller, the attribute characteristic value corresponding to the ship fuel consumption can be represented to be higher, and the driving skill of a driver is better.

Optionally, the navigation data includes ship swaying information, and the driving skill information is determined according to the navigation data, including: acquiring a plurality of reference historical navigation tasks corresponding to the historical navigation tasks; calculating reference ship shaking information according to a plurality of reference historical navigation tasks; and determining driving skill information corresponding to the ship shaking information according to the difference between the ship shaking information and the reference ship shaking information.

In this embodiment, after determining a plurality of reference historical navigation tasks corresponding to the historical navigation tasks, ship sway information in each reference historical navigation task may be obtained, and then a mean value of each ship sway information may be calculated, and the mean value may be used as reference ship sway information, and then the reference ship sway information may be compared with ship sway information corresponding to a user to be evaluated, for example, a difference value between the ship sway information and the reference ship sway information (specifically, a value obtained by subtracting the reference ship sway information from the ship sway information) may be calculated, and the difference value may be used as a difference degree. If the difference degree is larger, the attribute characteristic value corresponding to the ship shaking information can be represented to be lower, and if the difference degree is smaller, the attribute characteristic value corresponding to the ship shaking information can be represented to be higher, and the driving skill of the user to be evaluated is better. Or, ship shake information with the minimum value can be acquired from ship shake information of a plurality of reference historical navigation tasks, the ship shake information is used as reference ship shake information, and then the reference ship shake information and the ship shake information corresponding to the user to be evaluated can be compared, for example, a difference value between the ship shake information and the reference ship shake information (specifically, a value obtained by subtracting the reference ship shake information from the ship shake information) can be calculated, and the difference value is used as a difference degree. If the difference degree is larger, the attribute characteristic value corresponding to the ship shaking information can be represented to be lower, and if the difference degree is smaller, the attribute characteristic value corresponding to the ship shaking information can be represented to be higher, and the driving skill of the user to be evaluated is better. That is, the smaller the degree of the shake of the ship body in the ship shake information corresponding to the user to be evaluated, the stronger the ability of the driver to control the ship, and the better the driving skill of the driver.

Optionally, the navigation data includes navigation path information, and the determining of the driving skill information according to the navigation data includes: acquiring a plurality of reference historical navigation tasks corresponding to the historical navigation tasks; calculating reference navigation path information according to a plurality of reference historical navigation tasks; and determining the driving skill information corresponding to the navigation path information according to the difference degree between the navigation path information and the reference navigation path information.

In this embodiment, after determining a plurality of reference historical navigation tasks corresponding to the historical navigation tasks, the navigation path information in each reference historical navigation task may be obtained, and then the navigation distance corresponding to each navigation path information may be calculated, and each navigation distance average value may be processed to obtain a navigation distance average value, which may be used as the reference navigation path information, and further may be compared with the navigation path information corresponding to the user to be evaluated, for example, a difference between the navigation distance corresponding to the navigation path information of the user to be evaluated and the reference navigation path information (a value obtained by subtracting the reference navigation path information from the navigation distance corresponding to the navigation path information of the user to be evaluated at a specific position) may be calculated, and the difference value may be used as a difference degree. If the difference degree is larger, the attribute characteristic value corresponding to the navigation path information can be represented to be lower, and if the difference degree is smaller, the attribute characteristic value corresponding to the navigation path information can be represented to be higher, and the driving skill of the user to be evaluated is better. Or, the navigation path information with the shortest corresponding navigation distance may be obtained from the navigation path information of the multiple reference historical navigation tasks, and the navigation distance corresponding to the navigation path information is used as the reference navigation path information, and then the reference navigation path information may be compared with the navigation path information corresponding to the user to be evaluated, for example, a difference between the navigation distance corresponding to the navigation path information of the user to be evaluated and the reference navigation path information (a value obtained by subtracting the reference navigation path information from the navigation distance corresponding to the navigation path information of the user to be evaluated at a specific position) may be calculated, and the difference is used as the difference. If the difference degree is larger, the attribute characteristic value corresponding to the navigation path information can be represented to be lower, and if the difference degree is smaller, the attribute characteristic value corresponding to the navigation path information can be represented to be higher, and the driving skill of the user to be evaluated is better. That is, the shorter the navigation distance of the navigation path information corresponding to the user to be evaluated, the stronger the ability of the driver to control the ship, and the better the driving skill of the driver.

It should be noted that, when multiple reference historical navigation tasks corresponding to the historical navigation tasks are acquired, multiple reference historical navigation tasks that are consistent or highly similar to the reference data can be determined based on multiple reference data such as ship basic information, navigation bearing weight information, and navigation task location information in the historical navigation tasks, and a target evaluation attribute is determined based on the navigation data in the reference historical navigation tasks with high accuracy and high richness, so that the accuracy and the trueness of evaluation are improved.

Optionally, the obtaining a plurality of reference historical navigation tasks corresponding to the historical navigation task includes: determining evaluation influence data corresponding to each navigation data; and acquiring a plurality of reference historical navigation tasks based on the evaluation influence data corresponding to each navigation data.

Wherein the evaluation influence data includes at least one of ship weight information, ship model information, environmental information, departure place information, and destination information. The environmental information may include, but is not limited to, wind level, rain amount, snow amount, water flow speed, wave height, etc.

In practical applications, a navigation task that matches at least one of the ship weight information, the ship model information, the environmental information, the departure point information, and the destination information in the historical navigation task may be used as the reference historical navigation task. Or taking the navigation task with an error lower than a preset threshold value with at least one of the ship weight information, the ship model information, the environment information, the departure place information and the destination information in the historical navigation task as a reference historical navigation task. For example, in practical applications, a navigation task that matches the ship weight information, the ship model information, the departure point information, the destination information, and the like in the historical navigation task may be acquired as a reference historical navigation task.

In order to further improve the accuracy of the driver skill evaluation, after the target evaluation attribute is determined based on each navigation data, the driver can be comprehensively evaluated based on user basic data associated with the driver, for example, the driving skill of the driver can be comprehensively evaluated by using various user basic data such as the age, driving age, disease information, and navigation violation information of the driver.

Optionally, the method for determining the ship premium further includes: acquiring skill evaluation data corresponding to a driver; determining skill assessment attributes corresponding to the driver based on the skill assessment data; the target evaluation attribute is updated based on the skill evaluation attribute.

Wherein the skill evaluation data includes at least one of user basic information, driving state information, accident information, and navigation comment information. The basic information of the user can be understood as basic information associated with the user, the basic information is corresponding to the user, that is, the basic information corresponding to different users may be different, for example, the basic information may be historical visit information. The driving state information may include, but is not limited to, physiological parameter data and historical driving behavior data, and the historical driving behavior data may include the number of times that the duration of driving reaches the preset driving duration. The physiological parameter data may include a number of times that the first physiological parameter reaches a preset threshold, for example, the first physiological parameter may be alcohol concentration information. The accident information may include, but is not limited to, violation penalty data and accident frequency, and the navigation comment information refers to evaluation information for the driver.

In this embodiment, various index evaluation data, such as user basic information, driving state information, accident information, and navigation comment information, of a user to be evaluated may be obtained, each index evaluation data may be used as skill evaluation data, each index evaluation data may be evaluated, and a skill evaluation value corresponding to each index evaluation data may be obtained, for example, the more times a first physiological parameter in the driving state information reaches a preset threshold value, the lower the corresponding skill evaluation value, the more times a continuous driving duration in the driving state information reaches a preset driving duration, the lower the corresponding skill evaluation value. The accident rate can also be calculated based on the accident frequency in the accident information, and the higher the accident rate is, the lower the corresponding skill assessment value is. The evaluation quality of the user can also be determined based on the navigation comment information, for example, the more the preset high-quality feature words in the navigation comment information are, the better the evaluation quality of the user is, the higher the corresponding skill evaluation value is, and the worse the evaluation quality of the user is, the lower the corresponding skill evaluation value is. Correspondingly, weighting processing may be performed on the skill evaluation value corresponding to each item of index evaluation data based on a corresponding weight value to obtain an evaluation value of the weighting processing, the evaluation value may be used as a skill evaluation attribute, weighting processing may be performed on the skill evaluation attribute and a target evaluation attribute to obtain an evaluation value after weighting processing, and the evaluation value at this time may be used as a target evaluation attribute for representing the driving skill of the driver again.

Further, after determining the driving skill evaluation information of the target ship based on the navigation data, the driving skill evaluation attribute of the driver may be determined based on each item of driving skill evaluation information and the basic information of the driver, and then the premium information of the target ship is evaluated according to the mapping relationship between the driving skill evaluation attribute and the ship premium information established in advance.

According to the technical scheme, the model information, the hull condition information and the affiliate user information corresponding to the target ship are obtained firstly, then the ship value attributes corresponding to the model information, the hull condition information and the affiliate user information are determined respectively, and finally the premium information of the target ship is determined based on the ship value attributes.

Example two

Fig. 2 is a schematic structural diagram of a ship premium determining apparatus according to a second embodiment of the present invention. As shown in fig. 2, the apparatus includes: an information acquisition module 210, a ship value attribute determination module 220, and a premium information determination module 230.

The information obtaining module 210 is configured to obtain model information of a target ship, ship condition information, and affiliation user information corresponding to the target ship, where the ship condition information includes current damage condition information and future use condition information of the target ship. And the ship value attribute determining module 220 is configured to determine ship value attributes corresponding to the model information, the hull condition information, and the affiliate user information, respectively. And a premium information determining module 230, configured to determine premium information of the target ship based on the ship value attributes.

Optionally, the information obtaining module 210 is further configured to obtain hull damage data of the target ship in the historical navigation process, which is collected by a ship detecting device disposed in the target ship; and determining the current damage condition information of the hull of the target ship according to the hull damage data.

Optionally, the ship detection device includes a gyroscope, and the gyroscope is used for acquiring impact data of the target ship in a historical navigation process; and/or the ship detection device further comprises an inertial sensor, and the inertial sensor is used for acquiring shaking data of the target ship in the historical sailing process.

Optionally, the information obtaining module 210 is further configured to obtain historical voyage data of the target ship to determine future usage information of the target ship based on the historical voyage data, where the future usage information includes at least one of future voyage water area information and ocean voyage frequency information of the target ship.

Optionally, the affiliation user information includes that the affiliation user of the target ship is a personal owner or a fleet owner.

Optionally, the apparatus further comprises: the system comprises a skill evaluation information acquisition module, a skill evaluation attribute determination module and a premium information updating module.

The skill evaluation information acquisition module is used for acquiring basic information and driving skill evaluation information of a driver corresponding to the target ship. And the skill evaluation attribute determining module is used for determining the driving skill evaluation attribute of the driver according to the basic information and the driving skill evaluation information. And the premium information updating module is used for updating premium information based on the driving skill evaluation attribute.

Optionally, the skill evaluation information obtaining module includes a navigation data obtaining unit and a skill evaluation information determining unit.

The navigation data acquisition unit is used for acquiring navigation data of at least one historical navigation task related to a driver, wherein the navigation data comprises at least one of energy consumption information, ship shaking information and navigation path information;

and the skill evaluation information determining unit is used for determining driving skill evaluation information according to the navigation data.

Optionally, the skill evaluation attribute determining module includes a reference historical navigation task obtaining unit, a reference energy consumption information determining unit, and an attribute feature value determining first unit.

A reference historical navigation task obtaining unit for obtaining a plurality of reference historical navigation tasks corresponding to the historical navigation tasks;

a reference energy consumption information determination unit for calculating reference energy consumption information according to a plurality of reference historical navigation tasks;

an attribute feature value determination first unit configured to determine an attribute feature value corresponding to the energy consumption information according to a degree of difference between the energy consumption information and the reference energy consumption information.

Optionally, the navigation data includes ship sway information, and the skill evaluation attribute determination module further includes a reference historical navigation task obtaining unit, a reference ship sway information determination unit, and an attribute characteristic value determination second unit.

the reference ship shaking information determining unit is used for calculating reference ship shaking information according to a plurality of reference historical navigation tasks;

and the attribute characteristic value determining second unit is used for determining the attribute characteristic value corresponding to the ship shaking information according to the difference between the ship shaking information and the reference ship shaking information.

Optionally, the navigation data includes navigation path information, and the skill evaluation attribute determining module further includes a reference historical navigation task obtaining unit, a reference navigation path information determining unit, and an attribute feature value determining third unit.

A reference historical navigation task obtaining and determining unit, which is used for obtaining a plurality of reference historical navigation tasks corresponding to the historical navigation tasks;

the reference navigation path information determining unit is used for calculating reference navigation path information according to a plurality of reference historical navigation tasks;

and the attribute characteristic value determination third unit is used for determining the attribute characteristic value corresponding to the navigation path information according to the difference degree between the navigation path information and the reference navigation path information.

Optionally, the reference historical navigation task obtaining unit includes an evaluation influence data determining subunit and a reference historical navigation task determining subunit.

The evaluation influence data determining subunit is used for determining evaluation influence data corresponding to each navigation data; the evaluation influence data comprises at least one of ship weight information, ship model information, environment information, departure place information and destination information;

and the reference historical navigation task determining subunit is used for acquiring a plurality of reference historical navigation tasks based on the evaluation influence data corresponding to each navigation data.

Optionally, the apparatus further comprises a target evaluation attribute updating module, and the target evaluation attribute updating module comprises a skill evaluation data determining unit, a skill evaluation attribute determining unit and a target evaluation attribute updating unit.

The skill evaluation data determining unit is used for acquiring skill evaluation data corresponding to the user to be evaluated; the skill evaluation data comprises at least one of user basic information, driving state information, accident information and navigation comment information;

the skill evaluation attribute determining unit is used for determining a skill evaluation attribute corresponding to the user to be evaluated based on the skill evaluation data;

and the target evaluation attribute updating unit is used for updating the target evaluation attribute based on the skill evaluation attribute.

The ship premium determining device provided by the embodiment of the invention can execute the ship premium determining method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the executing method.

EXAMPLE III

Fig. 3 is a schematic structural diagram of an electronic device implementing the ship premium determination method according to the embodiment of the present invention. As shown in fig. 3, the electronic device 10 includes at least one processor 11, and a memory communicatively connected to the at least one processor 11, which may be a Read Only Memory (ROM)12, a Random Access Memory (RAM)13, or the like, wherein the memory stores a computer program executable by the at least one processor, and the processor 11 may perform various suitable actions and processes according to the computer program stored in the Read Only Memory (ROM)12 or the computer program loaded from the storage unit 18 into the Random Access Memory (RAM) 13. In the RAM 13, various programs and data necessary for the operation of the electronic apparatus 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other via a bus 14. An input/output (I/O) interface 15 is also connected to bus 14.

A number of components in the electronic device 10 are connected to the I/O interface 15, including: an input unit 16 such as a keyboard, a mouse, or the like; an output unit 17 such as various types of displays, speakers, and the like; a storage unit 18 such as a magnetic disk, an optical disk, or the like; and a communication unit 19 such as a network card, modem, wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information/data with other devices via a computer network such as the internet and/or various telecommunication networks.

The processor 11 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, a Digital Signal Processor (DSP), and any suitable processor, controller, microcontroller, or the like. The processor 11 performs the various methods and processes described above, such as the ship premium determination method.

In some embodiments, the ship premium determination method may be implemented as a computer program tangibly embodied in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 10 via the ROM 12 and/or the communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of any of the above described methods of determining a premium for a ship may be performed. Alternatively, in other embodiments, the processor 11 may be configured to perform the ship premium determination method by any other suitable means (e.g., by means of firmware).

Example four

A fourth embodiment of the present invention provides a computer-readable storage medium, in which computer-executable instructions are stored, and the computer-executable instructions, when executed by a computer processor, are configured to perform a method for determining a premium for a ship. The ship premium determining method comprises the following steps:

premium information for the target vessel is determined based on the value attributes of each vessel.

Of course, the computer-readable storage medium provided by the embodiments of the present invention has computer-executable instructions that are not limited to the operations of the method described above, and may also perform related operations in the method for determining a premium of a ship provided by any embodiment of the present invention.

From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.

It should be noted that the above-mentioned embodiments do not limit the scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for determining a premium for a ship, comprising:

acquiring model information, hull condition information and membership user information corresponding to a target ship, wherein the hull condition information comprises current damage condition information and future use condition information of the target ship;

respectively determining ship value attributes corresponding to the model information, the ship body condition information and the membership user information;

2. The method of claim 1, wherein obtaining the hull condition information of the target vessel comprises:

acquiring hull damage data of the target ship in the historical navigation process, wherein the hull damage data is acquired by a ship detection device arranged on the target ship;

and determining the current damage condition information of the hull of the target ship according to the hull damage data.

3. The method of claim 2, wherein the vessel detection device comprises a gyroscope for collecting impact data of the target vessel during historical voyages; and/or

The ship detection device comprises an inertial sensor, and the inertial sensor is used for acquiring shaking data of the target ship in the historical navigation process.

4. The method of claim 1, wherein obtaining the hull condition information of the target vessel comprises:

obtaining historical voyage data of the target ship to determine the future use condition information of the target ship based on the historical voyage data, wherein the future use condition information comprises at least one of future voyage water area information and ocean voyage frequency information of the target ship.

5. The method of claim 1, wherein the affiliate user information includes that the affiliate user of the target vessel is a personal owner or a fleet owner.

6. The method of claim 1, further comprising:

acquiring basic information and driving skill evaluation information of a driver corresponding to the target ship;

determining a driving skill evaluation attribute of the driver according to the basic information and the driving skill evaluation information;

updating the premium information based on the driving skill assessment attribute.

7. The method according to claim 6, wherein the obtaining driving skill evaluation information of the driver corresponding to the target ship comprises:

acquiring navigation data of at least one historical navigation task associated with the driver, wherein the navigation data comprises at least one of energy consumption information, ship shaking information and navigation path information;

and determining the driving skill evaluation information according to the navigation data.

8. A ship premium determination apparatus, characterized by comprising:

the system comprises an information acquisition module, a data processing module and a data processing module, wherein the information acquisition module is used for acquiring model information, hull condition information and membership user information corresponding to a target ship, and the hull condition information comprises current damage condition information and future use condition information of the target ship;

the ship value attribute determining module is used for respectively determining ship value attributes corresponding to the model information, the ship state information and the affiliated user information;

and the premium information determining module is used for determining premium information of the target ship based on the value attributes of the ships.

9. An electronic device, characterized in that the electronic device comprises:

at least one processor; and

the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the method of determining a premium for a marine vessel of any one of claims 1 to 7.

10. A computer readable storage medium storing computer instructions for causing a processor to perform the method of determining a premium for a marine vessel of any one of claims 1 to 7 when executed.