CN116630064A

CN116630064A - Method and device for processing vehicle guarantee project

Info

Publication number: CN116630064A
Application number: CN202310571217.7A
Authority: CN
Inventors: 沈琳娜
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-05-18
Filing date: 2023-05-18
Publication date: 2023-08-22

Abstract

The embodiment of the specification provides a processing method and a device for a vehicle security project, wherein the processing method for the vehicle security project comprises the following steps: firstly, acquiring an application request of an application vehicle for applying for participating in a vehicle guarantee project, after responding to the application request, inquiring an installation record of a vehicle service application of the application vehicle and a transaction record of transaction through the vehicle service application, then determining the identification accuracy of the application vehicle identified as the service vehicle according to an inquiry result, if the identification accuracy is in a preset accuracy zone, determining an abnormal grade of the application vehicle under the vehicle guarantee project according to the transaction outflow total amount in the transaction record, and finally carrying out participation limiting processing of the vehicle guarantee project on the application vehicle according to the abnormal grade.

Description

Method and device for processing vehicle guarantee project

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing a vehicle security project.

Background

With the increasing of the vehicle keeping amount and the increasing of the resident safety consciousness, the vehicle insurance purchase amount of each insurance company is also increased. In the process of purchasing the vehicle insurance by residents, for insurance providers, corresponding vehicle insurance needs to be formulated for different conditions of the protected vehicles to be provided for buyers, for example, corresponding vehicle insurance is formulated according to the appearance freshness, the vehicle purchasing age, the vehicle mileage and the like of the protected vehicles, and how to accurately evaluate the risk of the vehicle insurance of the protected vehicles so as to formulate reasonable vehicle insurance underwriting, pricing, service projects and the like is an increasingly focused key point of insurance companies.

Disclosure of Invention

One or more embodiments of the present specification provide a method for processing a vehicle security item, including: and acquiring an application request of an application vehicle for participating in the vehicle security project. And responding to the application request, inquiring the installation record of the vehicle service application of the application vehicle and the transaction record of the transaction conducted through the vehicle service application. And determining the identification accuracy of the application vehicle identified as the service vehicle according to the query result. And if the identification accuracy is in a preset accuracy range, determining the abnormal grade of the application vehicle under the vehicle guarantee item according to the total transaction outflow amount in the transaction record. And carrying out participation limiting processing on the vehicle guarantee project on the application vehicle according to the abnormal grade.

One or more embodiments of the present specification provide a processing apparatus for a vehicle security item, including: the application request acquisition module is configured to acquire an application request of an application vehicle applying for participation in the vehicle security project. And the record inquiring module is configured to respond to the application request and inquire an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction conducted through the vehicle service application. And the accuracy determining module is configured to determine the identification accuracy of the application vehicle identified as the service vehicle according to the query result. And if the identification accuracy is in a preset accuracy range, operating an abnormal grade determining module, wherein the abnormal grade determining module is configured to determine the abnormal grade of the application vehicle under the vehicle guarantee item according to the total transaction outflow amount in the transaction record. And the limit processing module is configured to perform participation limit processing of the vehicle guarantee project on the application vehicle according to the abnormal grade.

One or more embodiments of the present specification provide a processing apparatus of a vehicle security item, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring an application request of an application vehicle for participating in the vehicle security project. And responding to the application request, inquiring the installation record of the vehicle service application of the application vehicle and the transaction record of the transaction conducted through the vehicle service application. And determining the identification accuracy of the application vehicle identified as the service vehicle according to the query result. And if the identification accuracy is in a preset accuracy range, determining the abnormal grade of the application vehicle under the vehicle guarantee item according to the total transaction outflow amount in the transaction record. And carrying out participation limiting processing on the vehicle guarantee project on the application vehicle according to the abnormal grade.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and acquiring an application request of an application vehicle for participating in the vehicle security project. And responding to the application request, inquiring the installation record of the vehicle service application of the application vehicle and the transaction record of the transaction conducted through the vehicle service application. And determining the identification accuracy of the application vehicle identified as the service vehicle according to the query result. And if the identification accuracy is in a preset accuracy range, determining the abnormal grade of the application vehicle under the vehicle guarantee item according to the total transaction outflow amount in the transaction record. And carrying out participation limiting processing on the vehicle guarantee project on the application vehicle according to the abnormal grade.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a schematic view of an application scenario of a system for processing a vehicle security item according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a method for processing a vehicle care item according to one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of a method for processing a vehicle security item applied to a network about vehicle security scene according to one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of a method for processing a vehicle security item for use in a shared vehicle security scenario in accordance with one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of an embodiment of a vehicle insurance item processing apparatus provided in one or more embodiments of the present disclosure;

Fig. 6 is a schematic structural diagram of a processing apparatus for a vehicle security item according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

Fig. 1 is a schematic application scenario diagram of a processing system for a vehicle security project according to one or more embodiments of the present disclosure, where, as shown in fig. 1, the system includes: a user terminal 102, a server 104 and a security platform 106;

the user terminal 102 may be a smart phone, a tablet computer, an electronic book reader, a VR-based information interaction device, a laptop portable computer, a desktop computer, etc.; the user terminal 102 may be provided with an application client or a browser, and access to a web client of the application through the browser, where the application client and the web client are collectively referred to as clients, hereinafter, not specifically stated, the clients may be clients having an electronic exchange function, or clients having both an electronic exchange function and a social function, or clients having both an electronic exchange function and a game function, or clients having both an electronic exchange function and a mail sending function, or clients having both an electronic exchange function and a financial management function, or clients having both an electronic exchange function and a service function such as information inquiry, and when the clients are clients having both an electronic exchange function and other functions, the electronic exchange accounts and other electronic accounts of the user may be bound or associated with each other, and sub-applications of the vehicle security items may be run in the clients, and the accounts of the user in the merchant sub-program may be bound or associated with each other in the clients.

The server 104 comprises a server for providing a sub-application of the vehicle guarantee item, and the server 104 can be an independent server or a server cluster consisting of a plurality of servers; the server 104 is used for performing information interaction with the security platform, providing application and participation service of security items for clients, specifically, the server can be accessed into service parties of a plurality of security products, and providing various security products for users. The security platform 106 may be an independent platform or a platform cluster composed of a plurality of platforms; the security platform 106 is used for information interaction with the server 104, and provides various security products for the server.

Specifically, in the process of applying for the vehicle to participate in the vehicle security project, a user accesses a sub-application for providing the vehicle security project through a client in the user terminal 102, after the user submits an application request to the server 104, the server 104 screens the applied vehicle, and updates the participation fee of the vehicle security project according to the reference participation fee sent by the security platform 106, so that the user performs security participation according to the updated participation fee, and becomes a security object.

The embodiment of the processing method for the vehicle security project provided by the specification comprises the following steps:

according to the vehicle security project processing method, after an application request of an application vehicle applying for participation in a vehicle security project is acquired, an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction through the vehicle service application are queried to obtain a query result, the identification accuracy of the application vehicle identified as a service vehicle is determined according to the query result, screening of the application vehicle of the vehicle security project is achieved, if the identification accuracy is in a preset accuracy range, the application vehicle is indicated to be the service vehicle, under the condition that the application vehicle is the service vehicle, the abnormal grade of the application vehicle under the vehicle security project is determined according to the total transaction outflow amount in the transaction record, after the abnormal grade is determined, the participation limiting processing of the vehicle security project is conducted on the application vehicle according to the abnormal grade, the accurate identification of the service vehicle is achieved through screening of the application vehicle of the vehicle security project, the participation limiting processing of the vehicle security project is further conducted according to the abnormal grade, and the project quality of the vehicle security project is improved, and accordingly the security risk of a security platform is reduced.

Referring to fig. 2, the method for processing a vehicle security project provided in this embodiment specifically includes steps S202 to S210.

Step S202, acquiring an application request of an application vehicle for participating in a vehicle security project.

The vehicle security project according to this embodiment refers to a project that uses a vehicle as a security object, and performs resource compensation on property loss caused by possible accidents of the vehicle by a provider of the vehicle security project through project contract engagement, so as to provide security for the vehicle. For example, the vehicle security item may be a vehicle insurance or other item that provides security services for the vehicle.

The vehicle application refers to a vehicle applying for participation in a vehicle guarantee project, and a vehicle owner or a vehicle owner reduces the loss when providing vehicle service, and the vehicle is used as a guarantee object of the vehicle guarantee project through the vehicle application participation in the vehicle guarantee project so as to apply for resource compensation through the vehicle guarantee project when resource loss occurs. Here, for the provider of the vehicle insurance project, in order to reduce the burden of the resource compensation, it is necessary to screen the application vehicles to restrict the application vehicles having a high risk of the resource compensation from participating in the vehicle insurance project.

In the specific execution process, a user can access a subprogram of the vehicle guarantee item in the host application through the host application, and in the process of the user accessing the subprogram of the vehicle guarantee item, the user can apply for the vehicle guarantee item through the subprogram; here, the application request of the application vehicle may be an application request submitted through a subroutine. Specifically, in a scenario where a user applies for a vehicle security item through a subroutine to apply for the vehicle security item, the method for processing the vehicle security item provided in this embodiment may be executed by a server that provides a vehicle security service in conjunction with the subroutine, such as a vehicle security item application server that applies for a applet for the vehicle security item.

Wherein the host application comprises an application capable of carrying a subroutine, such as a third party payment application. The subprogram comprises a program module or a service module which is carried on the host application and runs depending on the host application, for example, a vehicle guarantee project application applet loaded and run by the third party payment application, a user can apply for the vehicle guarantee project by accessing the vehicle guarantee project application applet in the third party payment application, and when applying for the vehicle guarantee project, the server of the subprogram is in butt joint with the guarantee platform to obtain project related information.

Step S204, in response to the application request, queries an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction performed by the vehicle service application.

After obtaining an application request of an application vehicle for applying for participating in a vehicle security project, in this step, in response to the application request, an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction performed by the vehicle service application are queried, so as to determine whether the application vehicle is a service vehicle from two dimensions of the installation record and the transaction record.

The service vehicle in this embodiment is a vehicle that provides a vehicle service to a user. Because the service vehicle needs to travel frequently when providing vehicle service to the user, the travel mileage is high, and the service vehicle has a large risk of paying for providing the vehicle guarantee project for the service vehicle, the participation of the vehicle guarantee project of the service vehicle needs to be limited.

The service vehicle comprises at least one of the following: an online reservation service is provided for taking in passengers, a transport vehicle is provided for goods transport service, a rental vehicle is provided for vehicle rental service, a sharing vehicle is provided for vehicle sharing service, a sharing electric vehicle is provided for electric vehicle sharing service, and a sharing bicycle is provided for bicycle sharing service.

In the process of using the service vehicle by a user, the service of the service vehicle is required to be accessed by means of a vehicle service application, wherein the vehicle service application comprises an application for providing the vehicle service, and a vehicle owner or a vehicle provider can issue the vehicle service through the vehicle service application and collect corresponding service fees after the service is completed;

correspondingly, the vehicle service applications are in one-to-one correspondence with the service vehicles, and the service applications can be online vehicle reservation applications under the condition that the service vehicles are network-bound vehicles; when the service vehicle is a transport vehicle such as a truck, the service application can be a preset application of various transport vehicles, and a user can match the suitable transport vehicle by inputting relevant parameters of transported goods; in the case where the service vehicle is a rental vehicle, the service application may be a vehicle rental application that provides a time-sharing rental service; the service vehicle is a shared automobile, and the service application can be a shared automobile application; when the service vehicle is a shared electric vehicle, the service application can be a shared electric vehicle application; the service vehicle is a shared bicycle and the service application may be a shared bicycle application.

In the specific implementation, a user accesses a sub-application in the host application through a user terminal, the sub-application displays an application front page to the user, the user can submit an application request through the application front page, so that the information security of the user is ensured, the convenience of service management is improved, the loss of service application caused by malicious application of the user is avoided, and the user can respond to the application request after authorization. After the application home page is displayed to the user, the user can submit an application request through the application home page, the server of the sub-application needs to judge whether the application vehicle signs the authorization protocol or not under the condition that the application request is received, and if the application vehicle does not sign the authorization protocol yet, the application server of the host application is called to sign the authorization protocol after the authorization instruction is acquired; if the application vehicle has signed the authorization agreement, in response to the application request, querying an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction performed by the vehicle service application, and in an optional implementation manner provided in this embodiment, after acquiring the application request of the application vehicle for participating in the vehicle security project, performing the following operations before querying the installation record and the transaction record:

Judging whether the vehicle signs an authorization protocol or not;

if yes, executing the transaction record step of responding to the application request, inquiring the installation record of the vehicle service application of the application vehicle and carrying out the transaction through the vehicle service application;

if not, signing the authorization protocol;

optionally, the authorization protocol includes a protocol that authorizes acquisition of an association record of the associated application.

Specifically, after acquiring an application request of an application vehicle for participating in a vehicle guarantee project, judging whether the application vehicle signs an authorization protocol, if so, reading an installation record of a vehicle service application according to a user terminal of an authorization protocol user, and reading a transaction record of a transaction performed through the vehicle service application from a historical transaction record to determine the identification accuracy of the application vehicle identified as a service vehicle; if the application vehicle does not sign the authorization protocol, the application server of the host application is called to sign the authorization protocol after the authorization instruction is acquired.

Step S206, determining the identification accuracy of the application vehicle identified as the service vehicle according to the query result.

After the steps of inquiring the installation record of the vehicle service application of the application vehicle and the transaction record of the transaction performed by the vehicle service application are executed in response to the application request, in the step, the identification accuracy of the application vehicle identified as the service vehicle is determined according to whether the installation record and the transaction record are carried in the inquiring result, so that the application vehicle of the vehicle guarantee project is screened.

The recognition accuracy includes accuracy of recognizing the recognition object as a specified category, for example, accuracy of recognizing the application vehicle as a net car or accuracy of recognizing the application vehicle as a rental vehicle. Optionally, the preset accuracy range is composed of the first level and the second level.

In practical application, because the use frequency of the service vehicle is high, the underwriting risk of the insurance company is increased, when the application of the vehicle guarantee project is carried out, the service vehicle needs to be identified, and the identification probability that the application vehicle is identified as the service vehicle is determined by inquiring the installation record and the transaction record, wherein after the user is authorized, the installation record of the vehicle service application is inquired in the user terminal of the application vehicle through an authorization protocol, so that the user using the vehicle service application is determined, and the user is an undetermined owner or undetermined owner of the service vehicle; on the basis of which a transaction record is queried for transactions by means of the vehicle service application, in order to determine the owner or owner of the service vehicle.

In a specific implementation process, in an optional implementation manner provided in this embodiment, in a process of determining, according to a query result, identification accuracy of the application vehicle identified as the service vehicle, the following operations are performed:

If the query result carries the installation record and the transaction record, determining that the identification accuracy of the vehicle is in a first accuracy level;

if the query result carries the transaction record and does not carry the installation record, determining that the identification accuracy of the application vehicle is in a second accuracy level;

and if the query result carries the installation record and does not carry the transaction record, determining that the identification accuracy of the vehicle is in a third accuracy level.

Specifically, inquiring the installation record and the transaction record based on an authorization protocol, and if both the installation record and the transaction record are inquired, determining that the identification accuracy of the application vehicle is in a first accuracy level; if only the transaction record is queried, determining that the identification accuracy of the vehicle is in a second accuracy level; and if only the installation record is queried, determining that the identification accuracy of the application vehicle is in a third accuracy level.

For example, when a user signs an authorization protocol when using a third party payment application, after acquiring an application request of an application vehicle for participating in a vehicle security project, inquiring an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction performed through the vehicle service application based on the authorization protocol in response to the application request, and if the transaction record is inquired, determining that the application vehicle is a service vehicle; and if only the installation record is queried, determining that the application vehicle is not a service vehicle.

Step S208, if the identification accuracy is in the preset accuracy range, determining the abnormal grade of the vehicle application for the vehicle guarantee project according to the transaction parameters in the transaction record.

After the step of determining whether the application vehicle is identified as the service vehicle according to the installation record carried in the query result and the transaction record is performed, determining an abnormal grade of the application vehicle under the vehicle guarantee item according to the transaction parameter in the transaction record when the identification accuracy is in a preset accuracy range in the step, so as to perform participation limiting processing of the vehicle guarantee item on the application vehicle according to the abnormal grade.

In practical application, on one hand, the running frequency of the application vehicle can be judged through the transaction outflow total amount of the transaction records with the transaction type of outflow type in the user transaction records, the more the transaction outflow total amount is, the higher the running frequency of the application vehicle is, the risk of the application vehicle is correspondingly increased, and the underwriting risk is increased for insurance companies; on the other hand, the running frequency of the application vehicle can be judged through the record quantity of the transaction records with the transaction type being the service type in the user transaction records, the more the record quantity is, the more the order receiving quantity of the application vehicle is, the more the order receiving quantity is, the risk of the application vehicle is correspondingly increased, and the underwriting risk is increased for an insurance company;

In order to reduce the underwriting risk of the insurance company, in the process of applying for the vehicle security project, participation limitation processing needs to be performed on the application vehicle, specifically, in the process of participation limitation processing on the vehicle security project, limitation processing of different types is performed by means of dividing abnormal grades, further, in the process of determining the abnormal grade of the application vehicle, in an optional implementation manner provided in this embodiment, the determining, according to the transaction parameters in the transaction record, the abnormal grade of the application vehicle for the vehicle security project includes:

calculating the transaction outflow total of the transaction records with the transaction type of the outflow type in the transaction records;

inquiring a transaction total amount interval in which the transaction outflow total amount is located in a preset interval grade corresponding table;

taking the abnormal grade corresponding to the transaction total amount interval in the interval grade corresponding table as the abnormal grade of the vehicle guarantee item;

optionally, the interval level correspondence table includes a correspondence table of transaction record total interval and abnormal level.

Specifically, a corresponding amount interval can be set for each abnormal level, that is, a corresponding table of transaction record total amount interval and abnormal level is preconfigured, after the transaction outflow total amount in the transaction record is queried, the amount interval of the transaction outflow total amount in the queried transaction record is used as the abnormal level of the application vehicle according to the amount interval of the amount interval where the amount is located.

For example, if the total transaction outflow amount of the transaction record with the outflow type in the transaction record of the application vehicle is 3K and is within the amount interval [2K,5w ] corresponding to the abnormal level 1, the abnormal level 1 is determined as the abnormal level of the application vehicle.

In order to improve the efficiency in determining the abnormality level of the application vehicle, in another alternative implementation manner provided in this embodiment, the determining, according to the transaction parameter in the transaction record, the abnormality level of the application vehicle with respect to the vehicle security item includes:

calculating the record quantity of transaction records with the transaction type of service type in the transaction records;

inquiring a record number interval in which the record number is located in a preset number grade corresponding table;

and taking the abnormal grade corresponding to the recorded number interval in the number grade corresponding table as the abnormal grade of the vehicle guarantee item.

Further, in the process of dividing the abnormal level, in order to make the amount interval corresponding to each abnormal level more reasonable, in an alternative implementation manner provided in this embodiment, the transaction record total amount interval and the transaction record total amount interval in the abnormal level correspondence table are divided in the following manner:

A history transaction record of transactions performed by the history applicant vehicle through the vehicle service application is obtained,

calculating the historical outflow total amount of the historical transaction record with the transaction type being the outflow type in the historical transaction record, and arranging the historical outflow total amount in an ascending order;

calculating the number distribution of the participants based on the number of the historical application vehicles in the historical transaction record and the preset abnormal grade number;

and dividing the history outflow total amount after ascending arrangement according to the number distribution of the participants to obtain transaction record total amount intervals corresponding to each abnormal level.

Specifically, a historical transaction record of each vehicle application for transaction through the vehicle service application is obtained, and historical transaction outflow total amount in the historical transaction record of each vehicle application is arranged in ascending order to obtain the range of the transaction outflow total amount; then, calculating the average number of participants by dividing the number of historical application vehicles in the historical transaction record by the number of preset abnormal grades; and dividing the historical transaction outflow total amount after the ascending arrangement according to the average number of the participants to obtain transaction record total amount intervals corresponding to each abnormal level.

For example, a history transaction record of 8W application vehicles for transactions through a vehicle service application is obtained, the outflow amounts of each vehicle are arranged in ascending order, a transaction outflow amount set {2K, …,10W } with a lower limit amount of 2K and an upper limit amount of 10W is obtained, the number of application vehicles is divided by the number of abnormal grades in the case that the abnormal grades are set to 8, the number of application vehicles of each grade is calculated to be 1W, the transaction outflow amount sets {2K, …,10W } are divided by 1W, and the number of application vehicles in each total amount section is ensured to be 1W, thereby obtaining an amount section corresponding to each abnormal grade.

In addition, the step 208 may be replaced by determining, according to the transaction parameters in the transaction record, an abnormal level of the admission audit of the application vehicle in the vehicle security project if the identification accuracy is within a preset accuracy range, and forming a new implementation manner with other processing steps provided in the embodiment. Or, the step S208 may be replaced by determining, according to the transaction parameters in the transaction record, an abnormal level of the applied vehicle for ensuring participation in the audit if the identification accuracy is within a preset accuracy range, and forming a new implementation manner with other processing steps provided in the embodiment.

And step S210, performing participation limiting processing of the vehicle guarantee project on the application vehicle according to the abnormal grade.

After determining the abnormal grade of the vehicle application under the vehicle security item according to the total transaction outflow amount in the transaction record, in this step, the participation restriction processing of the vehicle security item is performed on the vehicle application according to the abnormal grade, specifically, the participation restriction processing may be performed by updating the participation fee or by returning the application request.

In a specific implementation process, different processing manners are adopted for application vehicles with different risk grades, and in an alternative implementation manner provided by the embodiment, if the abnormal grade is smaller than a preset grade, the participation fee of the application vehicle in the vehicle guarantee project is updated so as to carry out the guarantee participation of the application vehicle according to the updated participation fee, and the application vehicle is taken as a guarantee object of the vehicle guarantee project after the success of the guarantee participation; and if the abnormal grade is greater than or equal to a preset grade, returning the application request.

Further, after determining the risk level of the application vehicle, in order to make the participation restriction processing on the application vehicle more effective, determining a correction parameter of the reference participation fee according to the abnormal level, so as to correct the reference participation fee by the correction parameter to obtain the participation fee of the application vehicle, in an optional implementation manner provided in this embodiment, the updating the participation fee of the application vehicle in the vehicle security item includes:

Acquiring a reference participation fee of the vehicle guarantee project from a guarantee platform;

determining a correction parameter of the reference participation fee according to the abnormal grade;

and correcting the reference participation fee based on the correction parameter, and taking the corrected reference participation fee as the participation fee.

In the specific implementation, in order to enable the correction parameters to be more matched with the abnormal grades, different correction parameters are corresponding to each abnormal grade; in particular, in determining the correction parameter corresponding to the abnormal level, in an optional implementation manner provided in this embodiment, the correction parameter is determined in the following manner:

inquiring correction parameters corresponding to the abnormal grades in a pre-configured grade parameter corresponding table;

and taking the correction parameters corresponding to the abnormal grades in the grade parameter corresponding table as the correction parameters.

For example, the security platform sets a reference participation fee of the vehicle security item to be 2W, the correction parameter corresponding to the anomaly level 1 is 10%, and if the anomaly level of the application vehicle is the anomaly level 1, more participation fees of 2w×10% are required, so that the participation fee of the application vehicle of the anomaly level 1 is 2w+2w×10%.

In practical application, when the insurance company sets the participation time of the vehicle security project, the participation lower limit and the participation upper limit of the participation fee are divided, and in the process of updating the participation fee of the vehicle security project according to the abnormal grade, the participation fee is improved to help the insurance company control the risk, but once the participation fee reaches the set participation upper limit, the risk cannot be controlled by improving the participation fee, that is, the insurance company has a defect when the insurance company has the insurance, at the moment, the application of the vehicle for the vehicle security project is required to be limited, and the application request is returned, so that in an alternative implementation provided by the embodiment, the preset grade is determined by adopting the following modes:

Acquiring reference participation fees of the vehicle guarantee project from a guarantee platform, and determining each correction parameter of the reference participation fees according to each abnormal level;

adjusting the reference participation fees based on the correction parameters to obtain correction participation fees of the abnormal grades;

and if the corrected participation fee corresponding to the target grade exceeds the preset participation fee threshold, taking the target grade as the preset grade.

Specifically, acquiring a reference participation fee of the vehicle guarantee project from a guarantee platform, and determining each correction parameter of the reference participation fee according to each abnormal grade; adjusting the reference participation fees based on the correction parameters to obtain correction participation fees of the abnormal grades; and if the corrected participation fee corresponding to the target grade exceeds the preset participation fee threshold, taking the target grade as the preset grade.

In summary, the processing method for a vehicle security item provided in this embodiment, after obtaining an application request of an application vehicle for participating in the vehicle security item, queries an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction performed by the vehicle service application to obtain a query result, determines an identification accuracy of the application vehicle identified as a service vehicle according to the query result, thereby implementing screening of the application vehicle for the vehicle security item, if the identification accuracy is within a preset accuracy range, indicates that the application vehicle is a service vehicle, determines an abnormal grade of the application vehicle under the vehicle security item according to a total amount of transaction outflow in the transaction record in the case that the application vehicle is a service vehicle, performs participation restriction processing of the application vehicle for the vehicle security item according to the abnormal grade after determining the abnormal grade, and in particular, may perform a manner of updating participation fees or a manner of performing withdrawal processing of the application request. Limiting treatment reduces the loss risk of the guarantee platform;

Further, in the process of updating the participation fee, acquiring the reference participation fee of the vehicle security project from a security platform; determining a correction parameter of the reference participation fee according to the abnormal grade; and correcting the reference participation fee based on the correction parameters, and taking the corrected reference participation fee as the participation fee, thereby realizing the accurate distinction of different users, controlling risks and simultaneously ensuring the integral participation amount.

The following further describes the method for processing the vehicle security item provided in this embodiment with reference to fig. 3 by taking an application of the method for processing the vehicle security item provided in this embodiment to a self-service vehicle security scene as an example, and referring to fig. 3, the method for processing the vehicle security item applied to a network vehicle security scene specifically includes the following steps.

Step S302, an application request for applying for vehicles participating in the vehicle security project is obtained.

Step S304, judging whether the application vehicle signs an authorization protocol;

if yes, go to step S306;

if not, returning to the application failure reminding.

In step S306, in response to the request, the installation record of the network vehicle application of the vehicle is queried, and the transaction record of the transaction is performed through the network vehicle application.

In step S308, if the query result carries the installation record and the transaction record, it is determined that the identification accuracy of the application vehicle identified as the network about vehicle is at the first accuracy level.

Step S310, determining the abnormal grade of the vehicle under the vehicle guarantee item according to the total transaction outflow amount in the transaction record.

Step S312, if the abnormal level is greater than or equal to the preset level, returning the application request.

And step S314, if the abnormal grade is smaller than the preset grade, updating the participation fee for requesting the vehicle to participate in the vehicle guarantee project so as to perform the guarantee participation of the vehicle according to the updated participation fee, and taking the vehicle as a guarantee object of the vehicle guarantee project after the successful guarantee participation.

The following further describes, with reference to fig. 4, the method for processing a vehicle security item provided in this embodiment, by taking an application of the method for processing a vehicle security item provided in this embodiment to a self-service vehicle security scene as an example, and referring to fig. 4, the method for processing a vehicle security item applied to a shared vehicle security scene specifically includes the following steps.

Step S402, an application request for applying for a vehicle participating in a vehicle security project is obtained.

Step S404, judging whether the application vehicle signs an authorization protocol;

if yes, go to step S406;

if not, returning to the application failure reminding.

In step S406, in response to the application request, the installation record of the shared vehicle application of the application vehicle is queried, and the transaction record of the transaction is performed by the shared vehicle application.

In step S408, if the query result carries the installation record and the transaction record, it is determined that the identification accuracy of the application vehicle identified as the shared vehicle is at the first accuracy level.

In step S410, the record number of transaction records with the transaction type being the service type is calculated.

Step S412, the record number interval where the record number is located is queried in the preconfigured number-level corresponding table.

In step S414, the abnormal level corresponding to the number of sections recorded in the number level correspondence table is used as the abnormal level of the vehicle security item.

Step S416, the participation limiting process of the vehicle guarantee project is carried out on the application vehicle according to the abnormal grade.

An embodiment of a processing device for a vehicle security item provided in the present specification is as follows:

in the above-described embodiments, a method for processing a vehicle security item is provided, and a device for processing a vehicle security item is provided corresponding to the method, and is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of an embodiment of a processing apparatus for a vehicle security item according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a processing device for a vehicle security item, including:

an application request acquisition module 502 configured to acquire an application request of an application vehicle that applies for participation in a vehicle security project;

a record querying module 504 configured to query, in response to the application request, an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction conducted through the vehicle service;

an accuracy determination module 506 configured to determine an identification accuracy with which the application vehicle is identified as a service vehicle based on the query result;

if the identification accuracy is within a preset accuracy range, operating an abnormal grade determining module 508, wherein the abnormal grade determining module 508 is configured to determine an abnormal grade of the vehicle application for the vehicle guarantee item according to the transaction parameters in the transaction record;

And a limitation processing module 510 configured to perform participation limitation processing of the vehicle security item on the application vehicle according to the abnormality level.

An embodiment of a processing apparatus for a vehicle security item provided in the present specification is as follows:

in correspondence to the above-described method for processing a vehicle security item, one or more embodiments of the present disclosure further provide a device for processing a vehicle security item, based on the same technical concept, where the device for processing a vehicle security item is configured to perform the above-provided method for processing a vehicle security item, and fig. 6 is a schematic structural diagram of the device for processing a vehicle security item provided in one or more embodiments of the present disclosure.

The processing device for a vehicle security project provided in this embodiment includes:

as shown in fig. 6, the processing device of the vehicle security project may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where the memory 602 may store one or more storage applications or data. Wherein the memory 602 may be transient storage or persistent storage. The application program stored in the memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the processing device of the vehicle insurance item. Still further, the processor 601 may be arranged to communicate with the memory 602 to execute a series of computer executable instructions in the memory 602 on a processing device of a vehicle warranty item. The processing device of the vehicle security project may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input/output interfaces 605, one or more keyboards 606, and the like.

In one particular embodiment, a vehicle insurance item processing device includes a memory, and one or more programs, where the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the vehicle insurance item processing device, and execution of the one or more programs by one or more processors includes computer-executable instructions for:

acquiring an application request of an application vehicle for participating in a vehicle guarantee project;

responding to the application request, and inquiring an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction conducted through the vehicle service application;

determining the identification accuracy of the application vehicle identified as the service vehicle according to the query result;

if the identification accuracy is in a preset accuracy range, determining an abnormal grade of the application vehicle for the vehicle guarantee project according to the transaction parameters in the transaction record;

and carrying out participation limiting processing on the vehicle guarantee project on the application vehicle according to the abnormal grade.

An embodiment of a storage medium provided in the present specification is as follows:

in correspondence to the above-described processing method of a vehicle security item, one or more embodiments of the present specification further provide a storage medium based on the same technical idea.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in the present specification, an embodiment of a storage medium and an embodiment of a method for processing a vehicle security item in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in reading apparatus embodiments, and storage medium embodiments is referred to the part description of the method embodiment.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A method of processing a vehicle security project, comprising:

2. The processing method of a vehicle security item according to claim 1, the determining, based on a query result, recognition accuracy with which the application vehicle is recognized as a service vehicle, comprising:

if the query result carries the installation record and does not carry the transaction record, determining that the identification accuracy of the vehicle is in a third accuracy level;

correspondingly, the preset accuracy range is composed of the first accuracy grade and the second accuracy grade.

3. The method for processing the vehicle security item according to claim 1, wherein the determining the abnormality level of the application vehicle for the vehicle security item according to the transaction parameters in the transaction record includes:

the interval grade corresponding table comprises a transaction record total interval and abnormal grade corresponding table.

4. The method for processing the vehicle security item according to claim 1, wherein the determining the abnormality level of the application vehicle for the vehicle security item according to the transaction parameters in the transaction record includes:

5. The processing method of the vehicle security item according to claim 1, the participation restriction processing of the vehicle security item to the application vehicle according to the abnormality class, comprising:

If the abnormal grade is smaller than the preset grade, the participation fee of the vehicle to participate in the vehicle guarantee project is updated, so that the guarantee participation of the vehicle is carried out according to the updated participation fee, and the vehicle is taken as a guarantee object of the vehicle guarantee project after the successful guarantee participation.

6. The processing method of the vehicle security item according to claim 5, the updating of the participation fee for the application vehicle to participate in the vehicle security item, comprising:

acquiring the reference participation fee for the vehicle to participate in the vehicle guarantee project from a guarantee platform;

and correcting the reference participation fee based on the correction parameters to obtain the participation fee.

7. The processing method of a vehicle security item according to claim 6, wherein the correction parameter is obtained by querying from a pre-configured level parameter correspondence table based on the abnormality level.

8. The processing method of a vehicle security item according to claim 3, wherein the transaction total amount interval and the transaction total amount interval in the abnormal level correspondence table are divided as follows:

Acquiring a historical transaction record of a historical application vehicle for transaction through the vehicle service application;

and dividing the historical outflow total amount after ascending arrangement according to the number distribution of the participants to obtain transaction total amount intervals corresponding to each abnormal level.

9. The processing method of the vehicle security item according to claim 5, wherein the preset level is determined by:

and if the corrected participation fee corresponding to the target grade exceeds a preset participation fee threshold, taking the target grade as the preset grade.

10. The processing method of the vehicle security item according to claim 1, the participation restriction processing of the vehicle security item to the application vehicle according to the abnormality class, comprising:

And if the abnormal grade is greater than or equal to a preset grade, returning the application request.

11. The processing method of a vehicle security item according to claim 1, after the execution of the application request step of acquiring an application vehicle that applies for participation in the vehicle security item, and before the execution of the transaction record step of querying an installation record of a vehicle service application of the application vehicle and conducting a transaction through the vehicle service application in response to the application request, further comprising:

judging whether the vehicle signs an authorization protocol or not;

if not, signing the authorization protocol;

wherein the authorization protocol includes a protocol that authorizes acquisition of an association record of an associated application.

12. A processing apparatus of a vehicle security item, comprising:

the application request acquisition module is configured to acquire an application request of an application vehicle for participating in a vehicle guarantee project;

a record querying module configured to query, in response to the application request, an installation record of a vehicle service application of the application vehicle and a transaction record of a transaction conducted through the vehicle service application;

An accuracy determination module configured to determine an identification accuracy with which the application vehicle is identified as a service vehicle based on the query result;

if the identification accuracy is in a preset accuracy range, operating an abnormal grade determining module, wherein the abnormal grade determining module is configured to determine the abnormal grade of the vehicle application for the vehicle guarantee project according to the transaction parameters in the transaction record;

and the limit processing module is configured to perform participation limit processing of the vehicle guarantee project on the application vehicle according to the abnormal grade.

13. A processing apparatus of a vehicle security item, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

14. A storage medium storing computer-executable instructions that when executed by a processor implement the following: