Data processing method and device based on big data

A data processing and big data technology, applied in the field of base frame operation and maintenance, can solve the problems of low pricing efficiency of auto insurance premiums and strong subjective factors, and achieve the effect of avoiding the influence of human subjective factors and improving pricing efficiency

Pending Publication Date: 2020-01-21
CHINA PING AN LIFE INSURANCE CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] In view of this, the embodiment of the present invention provides a data processing method and device based on big data to solve the problem of low efficiency and strong subjective factors in manual pricing of auto insurance premiums

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  • Data processing method and device based on big data
  • Data processing method and device based on big data
  • Data processing method and device based on big data

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Embodiment Construction

[0021] In order to better understand the technical solutions of the present invention, the embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

[0022] It should be clear that the described embodiments are only some of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0023] Terms used in the embodiments of the present invention are only for the purpose of describing specific embodiments, and are not intended to limit the present invention. As used in the embodiments of the present invention and the appended claims, the singular forms "a", "said" and "the" are also intended to include the plural forms unless the context clearly indicates otherwise.

[0024] It should be understood that the term "an...

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Abstract

The embodiment of the invention provides a data processing method and device based on big data, and relates to the field of base frame operation and maintenance. The method comprises the steps: obtaining the data of a target vehicle, the data of the target vehicle at least comprising the historical data of the target vehicle and the appearance data of the target vehicle, and the appearance data ofthe target vehicle being used for indicating the old and new degree of the target vehicle; obtaining attribute data of the first user, wherein the attribute data of the first user at least comprisesillegal record data of the first user; calculating a risk score according to the data of the target vehicle and the attribute data of the first user; determining a to-be-paid amount according to the risk score; generating an electronic insurance policy according to the to-be-paid amount; displaying the electronic insurance policy and providing a payment channel; and receiving information used forindicating that the first user pays, and confirming that payment is successful. According to the technical scheme provided by the embodiment of the invention, the problems of relatively low pricing efficiency and relatively strong subjective factors of manually pricing the vehicle insurance premium can be solved.

Description

【Technical field】 [0001] The present invention relates to the field of base frame operation and maintenance, in particular to a data processing method and device based on big data. 【Background technique】 [0002] The existing method of auto insurance business of the insurance company to price the auto insurance premium is: manually price the auto insurance premium according to the service life information of the vehicle. powerful. 【Content of invention】 [0003] In view of this, the embodiments of the present invention provide a data processing method and device based on big data to solve the problems of low efficiency and strong subjective factors in manual pricing of auto insurance premiums. [0004] An embodiment of the present invention provides a data processing method based on big data, the method comprising: acquiring data of a target vehicle, the data of the target vehicle at least including historical data of the target vehicle and appearance data of the target v...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q30/02
CPCG06Q30/0206G06Q40/08
Inventor 谢齐涛
Owner CHINA PING AN LIFE INSURANCE CO LTD
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