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Risk level assessment method and device based on behavior portrait, equipment and medium

A technology of risk level and behavior, applied in special data processing applications, instruments, complex mathematical operations, etc., can solve problems such as low risk analysis accuracy, and achieve the effect of solving low accuracy, improving authenticity, and improving accuracy

Pending Publication Date: 2022-02-18
CHINA PING AN PROPERTY INSURANCE CO LTD
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  • Claims
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Problems solved by technology

[0003] The present invention provides a risk level assessment method, device and computer-readable storage medium based on behavior portraits, the main purpose of which is to solve the problem of low accuracy of user risk analysis using user portraits

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  • Risk level assessment method and device based on behavior portrait, equipment and medium
  • Risk level assessment method and device based on behavior portrait, equipment and medium
  • Risk level assessment method and device based on behavior portrait, equipment and medium

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Embodiment Construction

[0053] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0054] An embodiment of the present application provides a risk level assessment method based on behavioral profiling. The subject of execution of the behavioral profile-based risk level assessment method includes, but is not limited to, at least one of electronic devices such as a server and a terminal that can be configured to execute the method provided by the embodiment of the present application. In other words, the behavior profile-based risk level assessment method can be executed by software or hardware installed on the terminal device or server device, and the software can be a blockchain platform. The server includes, but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, and the like. The server can be an independent server, or it can provide cloud services, clo...

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Abstract

The invention relates to an artificial intelligence technology, and discloses a risk level assessment method based on a behavior portrait, which comprises the following steps: carrying out wavelet transform noise reduction on sensor data of a user mobile phone to obtain noise-reduced sensing data; converting the noise reduction sensing data into frequency domain sensing data by using Fourier transform; screening out data with the frequency in a preset threshold interval in the frequency domain data as driving behavior data; extracting a historical peak value, an interval total value and an interval extreme value of a preset driving behavior when the user drives each time from the driving behavior data; and generating a driving behavior portrait of the user according to the historical peak value, the interval total value and the interval extreme value of the driving behavior, and generating a risk level of the user according to the driving behavior portrait. In addition, the invention also relates to a block chain technology, and sensor data can be stored in nodes of a block chain. The invention further provides a risk level evaluation device and equipment based on the behavior portrait and a medium. According to the invention, the accuracy of user risk analysis by using the user portrait can be improved.

Description

technical field [0001] The present invention relates to the technical field of artificial intelligence, in particular to a risk level assessment method, device, electronic equipment and computer-readable storage medium based on behavioral portraits. Background technique [0002] It is a major goal for technology-enabled products in the information age to complete user portraits through big data, and then tap more broad commercial value based on user portraits. Especially in the field of auto insurance, the generated data of user portraits is mostly the user's personal driving behavior data, such as vehicle speed, driving trajectory, number of sharp turns, etc. The acquisition of this type of data mostly depends on the GPS positioning in the vehicle, which not only easily violates the user's privacy rights, but also the GPS data can be simulated and forged by conventional means, and the authenticity of the data cannot be guaranteed. Therefore, the accuracy of generating user...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06F17/14
CPCG06Q40/08G06F17/14G06F17/148
Inventor 宋昊
Owner CHINA PING AN PROPERTY INSURANCE CO LTD
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