Vehicle insurance risk control pricing model method based on deep learning

Abstract

The invention discloses a vehicle insurance risk control pricing model method based on deep learning, and the method comprises the following steps: 1, a user inputs vehicle information, including vehicle element information such as a license plate number, a brand, a model, a vehicle initial registration date and the like; 2, the system automatically complements the information such as the frame number and the VIN code, and a professional worker checks the correctness of the information such as the frame number and the VIN code; 3, the user inputs the mileage of the vehicle, and checks the mileage of the vehicle by a special worker; 4, in consideration of information security, fields in the middle need to be subjected to desensitization display. According to the invention, data drilling is carried out around four dimensions of "people, vehicles, behaviors and historical compensation", through a big data analysis technology and a machine learning algorithm, the risk of a vehicle accident is accurately predicted in an omnibearing and three-dimensional manner, a "risk score" is generated, and the higher the score is, the higher the compensation risk is, so that vehicle insurance risk control pricing is more reasonable.

Description

technical field [0001] The invention belongs to the technical field of auto insurance, and in particular relates to a risk control pricing model method for auto insurance based on deep learning. Background technique [0002] Motor vehicle insurance is auto insurance, which refers to a kind of commercial insurance that is liable for personal injury or property loss caused by motor vehicles due to natural disasters or accidents. Motor vehicle insurance is "auto insurance", which is based on the motor vehicle itself and its The liability of the third party is a kind of transportation insurance that is the subject of insurance. Its insurance customers are mainly corporate bodies and individuals who own various motor vehicles; the subject of insurance is mainly various types of automobiles, but also includes trams and battery cars. And other special vehicles and motorcycles. [0003] The pricing of traditional auto insurance is more based on the benchmark premiums set by the ind...

AI Technical Summary

Problems solved by technology

[0004] The technical problem to be solved by the present invention is to overcome the existing defects and provide a car insurance risk control pricing model method based on deep learning to solve the problem that the car insurance price proposed in the above-mentioned background technology relies more on the attributes of the vehicle itself and lacks the driver's The consideration of factors only considered the number of claims and the amount of claims, and did not directly drill into the lack of fraud risks in claims, and could not adapt to the comprehensive reform of auto insurance.

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