Vehicle insurance assessment system and assessment method

Abstract

The invention discloses a vehicle insurance assessment system which is characterized by comprising an information inputting module, an information processing module, a credit reporting module, a control module and an information interactive exhibition module. The information inputting module is connected with the information processing module. The control module is connected with the information processing module, the credit reporting module and the information interactive exhibition module. The invention evaluates the vehicle insurance in a more scientific and reasonable manner, and provides different products and service strategies based on the system score, which can greatly enhance the user's product experience. The use of machine learning algorithms for data processing is more objective to evaluate customer classification and key factors.

Description

technical field [0001] The invention relates to an evaluation system, in particular to an auto insurance evaluation system, and belongs to the field of insurance finance. Background technique [0002] With the rapid development of the insurance and financial field, especially in the current era of rapid development of the Internet economy, the traditional vehicle insurance application system can no longer meet the expansion of the actual insurance business. [0003] At present, when insurance companies renew insurance for different customers, they mainly rely on the number of car accidents that customers have had within 1-2 years. Although this formulation model is relatively simple, it also has the following problems: [0004] 1. The classification is too rough. Due to the main purpose of the customer's vehicle, the basic driving route, the degree of risk on the road, and the frequency of accidents caused by driving habits, the probability of accidents actually varies great...

AI Technical Summary

Problems solved by technology

[0004] 1. The classification is too rough. Due to the main purpose of the customer's vehicle, the basic driving route, the degree of risk on the road, the frequency of accidents due to driving habits, etc., the probability of accidents actually varies greatly within the same type, but this information cannot be evaluated in this way. reflected in the system

[0005] 2. Since this evaluation method is based on the number of car accidents of old customers in the past two years, it cannot be applied to new customer marketing

[0006] In the prior art, the existing auto insurance system platform technologies include the Chinese patent application No. 201210453996.2 "Processing method, device and auto insurance information processing platform for auto insurance insurance information", and the Chinese patent application No. 201210287010.9 "Auto insurance Management system and method", application number 201510757064.0 of the Chinese patent application "A system and method for auto insurance intelligent quotation insurance", but most of these existing technologies only disclose a kind of auto insurance management platform, and there is no internal price evaluation system for auto insurance. Substantial improvement

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