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Equipment insurance intelligent pricing method and system based on Internet of Things
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Al technical title is built by PatSnap Al team. It summarizes the technical point description of the patent document.
A technology of the Internet of Things and equipment, applied in the fields of instruments, finance, data processing applications, etc., can solve the problems of complex, single working conditions and operation, and achieve the effect of reducing the impact
Active Publication Date: 2017-07-07
ROOTCLOUD TECH CO LTD
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Problems solved by technology
Compared with the use of equipment, the working conditions and operations of vehicles are relatively single, including mileage, rapid acceleration, rapid deceleration, etc.; the operating environment of mechanical equipment, equipment power, and the types of participating projects vary greatly, and there are dozens of operating actions. Therefore, compared with vehicle UBI, the equipment UBI insurance pricing method and system is a more complex technology
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Embodiment 1
[0047] like figure 1 As shown, the intelligent pricing method for equipment insurance based on the Internet of Things in this embodiment includes:
[0048] Obtain the insurance application information of the equipment, and obtain the original insurance data related to the insurance application information according to the insurance application information, wherein the original insurance data at least includes: equipment type, working condition data of the insured equipment, historical insurance data of the equipment, and the applicant and the insured related data;
[0049] Perform data processing on the original insurance data to obtain target variables and predictive variables (ie, risk factors) related to the insured equipment;
[0050] The policy pricing algorithm is used to calculate the premium pricing of the insured equipment.
[0051] In this embodiment, the insurance application information includes applicant and insured information, equipment type, equipment value, ...
Embodiment 2
[0070] In this embodiment, an intelligent pricing system for equipment insurance based on the Internet of Things includes:
[0071] The original insurance data acquisition module is used to obtain insurance application information, and obtain original insurance data related to the insurance application information according to the insurance application information, wherein the original insurance data includes at least: working condition data of the insured equipment, historical equipment insurance data, and information related to the applicant. data;
[0072] A data preprocessing module, configured to perform data processing on the original insurance data to obtain target variables and predictor variables related to the insured equipment;
[0073] The premium pricing module uses the premium pricing algorithm to calculate the premium of the insured equipment.
[0074] like image 3 As shown, the system of this embodiment is divided into a business layer, a data layer, and an ...
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Abstract
The invention relates to an equipment insurance intelligent pricing method and system based on the Internet of Things. The method comprises the steps that insurance information of equipment is acquired, and original insurance data relevant to the insured equipment is acquired according to the insurance information, wherein the original insurance data at least comprises an equipment type, condition data of the insured equipment, equipment historical insurance data and relevant data of applicants and insurants; the original insurance data is processed to obtain a target variable and a prediction variable relevant to the insured equipment; and a premium pricing algorithm is adopted to calculate the premium of the insured equipment. Through the intelligent pricing method and system, the problem that pricing of a certain specific equipment is not available in the past is solved, and the original insurance data can be adjusted regularly or irregularly. The intelligent pricing method and system are suitable for existing operating systems, tracking systems and communication systems to extract relevant data capable of being applied to insurance.
Description
technical field [0001] The invention relates to an intelligent pricing method and system for equipment insurance based on the Internet of Things. Background technique [0002] In recent years, the Internet of Things industry has developed rapidly. The "Internet of Things" uses smart sensor technology to collect various "things" data; and integrates advanced network technology and big data technology to store massive "things" data; According to the forecast of Forrester, an authoritative consulting agency in the United States, by 2020, the Internet of Things business in the world will reach 30 to 1 compared with the business of human-to-human communication. The Internet of Things is called the next trillion yuan industry. Various business applications based on the Internet of Things have sprung up like mushrooms after rain, pushing the development of all walks of life to a new model and new direction. [0003] Equipment is a material material and production tool widely used...
Claims
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Application Information
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