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Driving behavior risk assessment method, device, equipment and storage medium

A risk assessment and behavior technology, applied in the field of data processing, can solve problems such as imperfect risk assessment of commercial vehicle insurance, achieve the effect of perfect risk assessment and increase the accuracy of premiums

Pending Publication Date: 2018-08-24
SHENZHEN SEG SCI NAVIGATIONS CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a method, device, device and storage medium for risk assessment of driving behavior, aiming to solve the risk of vehicle commercial insurance due to the inability of the prior art to provide an effective method for risk assessment of driving behavior. Assessing Imperfect Issues

Method used

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  • Driving behavior risk assessment method, device, equipment and storage medium
  • Driving behavior risk assessment method, device, equipment and storage medium
  • Driving behavior risk assessment method, device, equipment and storage medium

Examples

Experimental program
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Effect test

Embodiment 1

[0023] figure 1 The implementation process of the risk assessment method for driving behavior provided by Embodiment 1 of the present invention is shown. For the convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:

[0024] In step S101, when a request for risk assessment on the driving behavior of the target user is received, the driving data of the target user is collected.

[0025] Embodiments of the present invention are applicable to computing devices, such as personal computers, smart phones, tablets, and the like. The driving data of the target user includes vehicle speed, total mileage, mileage of a single trip, duration of a trip, number of stops, duration of a stop, acceleration of a vehicle, etc. Preferably, the collected travel data driven by the target user is processed. First, complete the start point information of the trip, that is, the end point of the previous trip of two adj...

Embodiment 2

[0036] figure 2 The structure of the risk assessment device for driving behavior provided by Embodiment 2 of the present invention is shown. For the convenience of description, only the parts related to the embodiment of the present invention are shown, including:

[0037] The driving data collection unit 21 is configured to collect driving data of the target user when receiving a request for risk assessment on the driving behavior of the target user.

[0038] Embodiments of the present invention are applicable to computing devices, such as personal computers, smart phones, tablets, and the like. The driving data of the target user includes vehicle speed, total mileage, mileage of a single trip, duration of a trip, number of stops, duration of a stop, acceleration of a vehicle, etc. Preferably, the collected travel data driven by the target user is processed. First, complete the start point information of the trip, that is, the end point of the previous trip of two adjacent ...

Embodiment 3

[0044] image 3 The structure of the risk assessment device for driving behavior provided by Embodiment 3 of the present invention is shown. For the convenience of description, only the parts related to the embodiment of the present invention are shown, including:

[0045] The insurance data acquisition unit 31 is configured to acquire the number of times of accidents and the amount of claims of the traveling vehicle according to the collected insurance data of the traveling vehicle.

[0046] The blacklist database building unit 32 is used to add the driving vehicle user to the blacklist database when the number of accidents reaches the preset number or the claim amount exceeds the preset amount, so as to establish the blacklist database.

[0047] Embodiments of the present invention are applicable to computing devices, such as personal computers, smart phones, tablets, and the like. Preferably, when it is determined to add the driving vehicle user to the blacklist database, ...

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Abstract

The invention is applicable to the technical field of data processing, and provides a driving behavior risk assessment method, device, equipment, and a storage medium. The method comprises that when arequest for carrying out risk assessment on the driving behavior of the target user is received, acquiring the driving data driven by the target user; analyzing the driving behavior of the target user according to the acquired driving data so as to obtain the driving behavior data of the target user, according to the driving behavior data of the target user, the driving behavior data of a user ina pre-established blacklist library and a preset risk assessment algorithm, carrying out the risk analysis on the driving behavior of the target user to obtain the risk assessment result of the driving behavior of the target user, so that the risk assessment of the commercial insurance of the vehicle is more complete and scientific, and the insurance accuracy of the vehicle are further improved.

Description

technical field [0001] The invention belongs to the technical field of data processing, and in particular relates to a method, device, equipment and storage medium for risk assessment of driving behavior. Background technique [0002] After purchasing a vehicle, the user generally needs to purchase insurance for the vehicle. In addition to the compulsory traffic insurance that must be paid, the user usually also purchases other commercial insurance. At present, the traditional insurance products in the auto insurance market mainly use the static insurance of the vehicle. However, risks are often caused by human factors, and personal risk factors are complex and diverse, and information asymmetry has become a common problem. For example, the insurance company cannot know the driver's driving behavior, and the policyholder may hide personal information to obtain benefits. In China, 82.5% of the car owners are law-abiding and prudent drivers, and they are paying for 17.5% of t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/08
CPCG06Q10/0635G06Q40/08
Inventor 朱杰刘杰孙家棣
Owner SHENZHEN SEG SCI NAVIGATIONS CO LTD
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