Risk analysis method and device, equipment and storage medium

Abstract

The invention relates to the technical field of safety and the field of financial science and technology, and discloses a risk analysis method, device and equipment and a storage medium, and the method comprises the steps: obtaining the travel data of a vehicle collected by an application program through the application program corresponding to an insurance service; obtaining a trip place in the trip data, and judging whether the trip place is a preset target place or not; when the travel place is a target place, acquiring a current distance between the travel place and the target place, and if the current distance is smaller than a preset distance, triggering a recording event once; in a preset time period, a preset statistical function is adopted to count the number of the recorded events, and the number of the recorded events is set as the original travel frequency of the vehicle arriving at the target location; determining final travel times according to the original travel times and the random numbers; and generating risk analysis data of the insurance service based on the service identifier of the insurance service and the final travel times. According to the method, the privacy protection requirement can be met, and the analysis requirement of the insurance service can also be met.

Description

Technical Field

[0001] The present invention relates to the fields of security technology and financial technology, and in particular to risk analysis methods, devices, equipment and storage media. Background Art

[0002] In the risk analysis of insurance business, collecting and analyzing vehicle travel data is a crucial task. This process not only helps insurance companies to assess risks more accurately, but also provides more personalized insurance services to car owners.

[0003] However, when risk analysis data contains the private information of car owners, if this private information is improperly accessed, used or shared, it may be used for illegal activities such as tracking and surveillance. Therefore, how to generate risk analysis data for insurance business is an urgent problem that needs to be solved. Summary of the invention

[0004] The present invention provides a risk analysis method, device, computer equipment and storage medium to solve the technical problem of how to generate risk analysis data for insurance business.

[0005] In a first aspect, a risk analysis method is provided, comprising:

[0006] Obtaining, through an application corresponding to the insurance business, the travel data of the vehicle collected by the application;

[0007] Acquire a travel location in the travel data, and determine whether the travel location is a preset target location;

[0008] When the travel location is the target location, obtaining the current distance between the travel location and the target location, and triggering a recording event if the current distance is less than a preset distance;

[0009] Within a preset time period, using a preset statistical function, counting the number of recorded events, and setting the number of recorded events as the original number of trips of the vehicle to the target location;

[0010] Obtain a random number, and determine a final number of trips based on the original number of trips and the random number;

[0011] Based on the business identifier of the insurance business and the final number of trips, risk analysis data of the insurance business is generated.

[0012] Furthermore, obtaining the travel data of the vehicle collected by the application program corresponding to the insurance business includes:

[0013] collecting travel events of the vehicle through the application corresponding to the insurance business;

[0014] A plurality of the travel events are combined to obtain the travel data.

[0015] Furthermore, collecting the travel events of the vehicle through the application corresponding to the insurance business includes:

[0016] Generate an event acquisition request through the application corresponding to the insurance business, connect to the on-board device of the vehicle, and send the event acquisition request to the on-board device;

[0017] Receive the travel event returned by the in-vehicle device according to the event acquisition request.

[0018] Further, when the travel location is the target location, obtaining the current distance between the travel location and the target location, and if the current distance is less than a preset distance, triggering a recording event, includes:

[0019] When the travel location is the target location, obtaining the first coordinate of the travel location and obtaining the second coordinate of the target location;

[0020] The current distance between the travel location and the target location is determined according to the first coordinate and the second coordinate, and if the current distance is less than the preset distance, the recording event is triggered once.

[0021] Further, the obtaining of the random number and determining the final number of trips according to the original number of trips and the random number include:

[0022] Obtaining a privacy budget corresponding to the original number of trips, comparing the privacy budget with a preset sensitivity, and generating a scale parameter;

[0023] Obtain a random number generated by a first random number generation function or a second random number generation function based on the scale parameter, wherein the first random number generation function is a random number generation function corresponding to a Laplace distribution, and the second random number generation function is a random number generation function corresponding to an exponential distribution;

[0024] The original number of trips is added to the random number to generate the final number of trips.

[0025] Furthermore, the generating of risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips includes:

[0026] Obtaining a business identifier of the insurance business, obtaining vehicle identity information recorded by the application, and obtaining the vehicle frame number of the vehicle from the identity information;

[0027] The business identifier, the vehicle frame number and the final number of trips are combined to generate risk analysis data for the insurance business.

[0028] Further, after generating the risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips, the risk analysis method includes:

[0029] Obtain a preset upload time and determine whether the current time is the upload time; when the current time is the upload time, connect to a preset server through the preset network and upload the call content to the server, wherein the preset network includes one of a 4G network, a 5G network, and a WIFI network or a combination thereof.

[0030] In a second aspect, a risk analysis device is provided, comprising:

[0031] A first acquisition module is used to acquire the travel data of the vehicle collected by the application program corresponding to the insurance business through the application program;

[0032] A determination module, used for obtaining a travel location in the travel data, and determining whether the travel location is a preset target location;

[0033] A second acquisition module is used to acquire the current distance between the travel location and the target location when the travel location is the target location, and trigger a recording event if the current distance is less than a preset distance;

[0034] A statistics module, used to count the number of recorded events using a preset statistical function within a preset time period, and set the number of recorded events as the original number of trips of the vehicle to the target location;

[0035] A third acquisition module is used to obtain a random number and determine a final number of trips according to the original number of trips and the random number;

[0036] A generating module is used to generate risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips.

[0037] In a third aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the steps of the risk analysis method described above are implemented when the processor executes the computer program.

[0038] In a fourth aspect, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the above-mentioned risk analysis method are implemented.

[0039] The present application provides a risk analysis method, apparatus, computer equipment and storage medium, which obtain travel data of a vehicle collected by an application corresponding to an insurance business through the application; obtain the travel location in the travel data, and determine whether the travel location is a preset target location; when the travel location is the target location, obtain the current distance between the travel location and the target location, and if the current distance is less than the preset distance, trigger a recording event; within a preset time period, use a preset statistical function to count the number of recorded events, and set the number of recorded events as the original number of trips of the vehicle to the target location; obtain a random number, and determine the final number of trips based on the original number of trips and the random number; generate risk analysis data for the insurance business based on the business identifier of the insurance business and the final number of trips, and the beneficial effects are in two aspects. On the one hand, since the risk analysis data of the insurance business includes the final number of trips but does not include the initial number of trips, it can meet the privacy protection requirements; on the other hand, the final number of trips can be used for risk analysis, and thus can meet the analysis requirements of the insurance business. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0041] Figure 1 is a schematic diagram of an application environment of a risk analysis method in one embodiment of the present invention;

[0042] Figure 2 A schematic diagram of a process flow of a risk analysis method provided by an embodiment of the present invention;

[0043] Figure 3 yes Figure 2 A schematic flow chart of a specific implementation of step S23;

[0044] Figure 4 yes Figure 2 A schematic flow chart of a specific implementation of step S25;

[0045] Figure 5 yes Figure 2 A schematic flow chart of a specific implementation of step S26;

[0046] Figure 6 is a schematic diagram of the structure of a risk analysis device in one embodiment of the present invention;

[0047] Figure 7is a schematic diagram of a structure of a computer device in one embodiment of the present invention;

[0048] Figure 8 It is another structural schematic diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0049] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0050] See also Figure 1 , Figure 1 FIG. 1 is a schematic diagram of an application environment of a risk analysis method according to an embodiment of the present invention. The risk analysis method provided by the embodiment of the present invention can be applied in the following embodiments: Figure 1 In an application environment, a client communicates with a server through a network.

[0051] The server obtains the travel data of the vehicle collected by the application corresponding to the insurance business through the client;

[0052] Acquire a travel location in the travel data, and determine whether the travel location is a preset target location;

[0053] When the travel location is the target location, obtaining the current distance between the travel location and the target location, and triggering a recording event if the current distance is less than a preset distance;

[0054] Within a preset time period, using a preset statistical function, counting the number of recorded events, and setting the number of recorded events as the original number of trips of the vehicle to the target location;

[0055] Obtain a random number, and determine a final number of trips based on the original number of trips and the random number;

[0056] Based on the business identifier of the insurance business and the final number of trips, risk analysis data of the insurance business is generated.

[0057] In the scheme implemented by the above-mentioned risk analysis method, device, equipment and medium, the beneficial effects of the scheme lie in two aspects. On the one hand, since the risk analysis data of the insurance business includes the final number of trips but does not include the initial number of trips, it can meet the privacy protection needs; on the other hand, the final number of trips can be used for risk analysis, thus meeting the analysis needs of the insurance business.

[0058] The client may include but is not limited to various personal computers, laptops, smart phones, tablet computers, and portable wearable devices.

[0059] The server can be implemented with an independent task database or a task database cluster composed of multiple task databases. The present invention is described in detail below through specific embodiments.

[0060] See also Figure 2 , Figure 2 A schematic diagram of a risk analysis method provided by an embodiment of the present invention includes the following steps:

[0061] S21, obtaining, through an application corresponding to the insurance business, travel data of the vehicle collected by the application;

[0062] Among them, insurance business applications generally refer to mobile applications or software developed for the insurance industry, which are designed to provide convenient, efficient and comprehensive insurance services.

[0063] For the sake of illustration, the role of insurance business applications is as follows:

[0064] Service provision: The app provides a platform for insurance companies to showcase their products and services, allowing customers to easily browse and understand the features, prices and coverage of various insurance products.

[0065] Online transactions: Through the application, customers can consult, purchase, renew, and settle claims for insurance services online without having to go to the insurance company or insurance broker’s office in person.

[0066] Personalized recommendations: Based on the customer’s personal information and insurance needs, the application can provide personalized insurance product recommendations to help customers find a protection plan that suits them.

[0067] Customer Management: For insurance companies and insurance brokers, the application can serve as an effective customer management tool to help them track customer purchase records, claims, satisfaction, etc.

[0068] Information security: Insurance business applications need to ensure the security and privacy of customer information, and use encryption technology and strict data management measures to prevent information leakage. The application corresponding to the insurance business obtains the travel data of the vehicle collected by the application, including:

[0069] collecting travel events of the vehicle through the application corresponding to the insurance business;

[0070] A plurality of the travel events are combined to obtain the travel data.

[0071] For the sake of illustration, an example is given below:

[0072] For example, there are travel events 1, 2, 3, 4 and 5.

[0073] Travel event 1, travel event 2, travel event 3, travel event 4, and travel event 5 are combined together to obtain travel data.

[0074] Wherein, collecting the travel events of the vehicle through the application corresponding to the insurance business includes:

[0075] Generate an event acquisition request through the application corresponding to the insurance business, connect to the on-board device of the vehicle, and send the event acquisition request to the on-board device;

[0076] Receive the travel event returned by the in-vehicle device according to the event acquisition request.

[0077] Among them, travel events include travel starting point, travel destination, travel time, and travel distance.

[0078] S22, obtaining a travel location in the travel data, and determining whether the travel location is a preset target location;

[0079] Exemplarily, the obtaining of the travel location in the travel data and determining whether the travel location is a preset target location includes:

[0080] Obtain each preset location in the current area, and obtain the statistical number of vehicle water-crossing accidents corresponding to each preset location, wherein the statistical number of vehicle water-crossing accidents is the statistical number of vehicle water-crossing accidents;

[0081] The statistical numbers of vehicle water accidents corresponding to the preset locations are sorted in order from large to small, and the preset location corresponding to the statistical number of vehicle water accidents that is ranked first is set as the target location.

[0082] Among them, the preset location is set by the user or by the system default, and there is no restriction here.

[0083] Among them, the preset locations include low-lying locations and locations where water accumulates during heavy rain.

[0084] Low-lying areas refer to local low-lying areas on land. Due to the low terrain and poor drainage, there is long-term accumulation of water in the center. The accumulation of water usually exists for a long time and is not limited to heavy rain weather.

[0085] For the sake of illustration, an example is given below:

[0086] Near a subway station: The terrain in this area is low and water easily accumulates during heavy rains. The water can reach the height of the car chassis and many cars have been flooded.

[0087] The place where water accumulates during heavy rain refers to the place where water accumulates due to heavy rainfall and poor drainage system. The depth of water in the place where water accumulates during heavy rain will rise rapidly during heavy rain, causing serious impact on traffic and personnel safety.

[0088] For the sake of illustration, an example is given below:

[0089] In a central city area: During heavy rains, deep waterlogging occurred in many places, such as parks and intersections. Many cars were submerged in water and stalled.

[0090] A certain street: Due to heavy rain, some areas of the street were flooded. In serious cases, the water was knee-deep, and vehicles had difficulty wading through the water or were trapped.

[0091] S23, when the travel location is the target location, obtaining the current distance between the travel location and the target location, and triggering a recording event if the current distance is less than a preset distance;

[0092] Among them, the travel location and the target location are recorded in the recorded event.

[0093] S24, within a preset time period, using a preset statistical function to count the number of recorded events, and setting the number of recorded events as the original number of trips of the vehicle to the target location;

[0094] The preset time period is set by the user or by the system default, and is not limited here. For ease of explanation, the following examples are given:

[0095] For example, the preset time period is 1 month. Within 1 month, a preset statistical function is used to count the number of recorded events, and the number of recorded events is set as the original number of trips of the vehicle to the target location.

[0096] For example, the preset time period is 6 months. Within the 6 months, a preset statistical function is used to count the number of recorded events, and the number of recorded events is set as the original number of trips of the vehicle to the target location.

[0097] For example, the preset time period is 9 months. Within the 9 months, a preset statistical function is used to count the number of recorded events, and the number of recorded events is set as the original number of trips of the vehicle to the target location.

[0098] S25, obtaining a random number, and determining a final number of trips according to the original number of trips and the random number;

[0099] S26, generating risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips.

[0100] Wherein, after generating the risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips, the risk analysis method includes:

[0101] Obtain a preset upload time, and determine whether the current time is the upload time;

[0102] When the current time is the upload time, the preset server is connected through the preset network to upload the call content to the server, and the preset network includes one of the 4G network, 5G network, and WIFI network or a combination thereof.

[0103] Exemplarily, after generating the risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips, the risk analysis method includes:

[0104] A storage area corresponding to the risk analysis data is created in a preset storage device, and the risk analysis data is stored in the storage area.

[0105] Among them, a storage area corresponding to the risk analysis data is created in a preset storage device, and the risk analysis data is stored in the storage area. This can be executed before or after obtaining the preset upload time, or it can be executed at the same time as obtaining the preset upload time. The specific execution order is not limited here.

[0106] Among them, risk analysis data is used for risk assessment of insurance business. For the sake of explanation, the following examples are given:

[0107] For example, when the insurance business is water crossing insurance, vehicle water crossing accidents frequently occur at a certain target location during the rainy season.

[0108] To reduce this risk, you can take the following steps:

[0109] Adjust premium strategy: During the rainy season, increase the premium for flood insurance for customers insured in this target location to reflect the higher risk level.

[0110] Provide risk education: Through publicity and education activities, remind customers to be careful to prevent water risks during the rainy season, such as avoiding parking in low-lying areas.

[0111] Optimize product design: In response to water-related risks, we launch special water-related insurance products to provide customers with more comprehensive protection.

[0112] Through these measures, insurance companies can more accurately assess and manage risks while providing customers with better insurance services.

[0113] In the embodiment of the present invention, the beneficial effects of the scheme lie in two aspects. On the one hand, since the risk analysis data of the insurance business includes the final number of trips but does not include the initial number of trips, it can meet the privacy protection requirements. On the other hand, the final number of trips can be used for risk analysis, thus meeting the analysis requirements of the insurance business.

[0114] See also Figure 3 , Figure 3 yes Figure 1 A specific implementation flow diagram of step S23 is described in detail as follows:

[0115] S31, when the travel location is the target location, obtaining the first coordinates of the travel location and obtaining the second coordinates of the target location;

[0116] S32: determining the current distance between the travel location and the target location according to the first coordinate and the second coordinate, and triggering the recording event once if the current distance is less than the preset distance.

[0117] In the embodiment of the present invention, if the current distance is less than the preset distance, the recording event is triggered once, and the travel location and the target location are recorded in the recording event.

[0118] See also Figure 4 , Figure 4 yes Figure 1 A specific implementation flow diagram of step S25 is described in detail as follows:

[0119] S41, obtaining a privacy budget corresponding to the original number of trips, comparing the privacy budget with a preset sensitivity, and generating a scale parameter;

[0120] S42, obtaining a random number generated by a first random number generation function or a second random number generation function based on the scale parameter, wherein the first random number generation function is a random number generation function corresponding to a Laplace distribution, and the second random number generation function is a random number generation function corresponding to an exponential distribution;

[0121] S43, adding the original number of trips to the random number to generate the final number of trips.

[0122] Among them, the first random number generation function is a random number generation function corresponding to the Laplace distribution, and the random number generated by the first random number generation function conforms to the Laplace distribution.

[0123] The second random number generation function is a random number generation function corresponding to an exponential distribution, and the random numbers generated by the second random number generation function conform to the exponential distribution.

[0124] For the sake of illustration, an example is given below:

[0125] For example, we are concerned about the number of times vehicle A arrives at destination A. According to statistics, the original number of trips that vehicle A takes to destination A is 10 times within a preset time period.

[0126] Set the privacy budget to 0.5 and the sensitivity to 1. At this time, the scale parameter b is: 1 / 0.5=2;

[0127] A random number that conforms to a Laplace distribution with a scale parameter of 2 is generated by a first random number generation function. Assume that the random number is 1.5.

[0128] Add the original number of trips and the random number, 10+1.5=11.5. Since the number is usually an integer, we can round 11.5 to get 11 as the final number of trips.

[0129] For the sake of illustration, an example is given below:

[0130] For example, we are concerned about the number of times vehicle C arrives at the destination C. According to statistics, the original number of trips of vehicle C to the destination C is 30 times within the preset time period.

[0131] Set the privacy budget to 0.3 and the sensitivity to 3. At this time, the scale parameter b is: 3 / 0.3=10

[0132] A random number that conforms to a Laplace distribution with a scale parameter of 10 is generated by a first random number generation function. Assume that the random number is 2.6.

[0133] Add the original number of trips and the random number, 30+2.6=32.6. Since the number is usually an integer, we can round 32.6 to get 32 ​​as the final number of trips.

[0134] For the sake of illustration, an example is given below:

[0135] For example, we are concerned about the number of times vehicle D arrives at the destination D. According to statistics, the original number of trips that vehicle D takes to the destination D is 10 times within a preset time period.

[0136] Set the privacy budget to 0.5 and the sensitivity to 1. At this time, the scale parameter b is: 1 / 0.5=2;

[0137] A random number that conforms to an exponential distribution with a scale parameter of 2 is generated through the second random number generation function. Assume that the random number is 3.5.

[0138] Add the original number of trips and the random number, 10+3.5=11.5. Since the number is usually an integer, we can round 13.5 to get 13 as the final number of trips.

[0139] In the embodiment of the present invention, the original number of trips is added to the random number to generate the final number of trips, and the final number of trips can be used for risk analysis, thereby meeting the analysis requirements of the insurance business.

[0140] See also Figure 5 , Figure 5 yes Figure 1 A specific implementation flow diagram of step S26 is described in detail as follows:

[0141] S51, obtaining a service identifier of the insurance service, obtaining vehicle identity information recorded by the application, and obtaining the vehicle frame number of the vehicle from the identity information;

[0142] S52, combining the business identifier, the vehicle frame number and the final number of trips to generate risk analysis data for the insurance business.

[0143] In an embodiment of the present invention, the business identifier, the frame number and the final number of trips are combined to generate risk analysis data for the insurance business. The risk analysis data includes the business identifier, the frame number and the final number of trips, but does not include the initial number of trips, so it can meet privacy protection requirements.

[0144] See also Figure 6 , Figure 6 FIG. 1 is a schematic diagram of a risk analysis device according to an embodiment of the present invention. Figure 6 As shown, the risk analysis device based on risk analysis includes a first acquisition module 101, a judgment module 102, a second acquisition module 103, a statistics module 104, a third acquisition module 105, and a generation module 106. The functional modules are described in detail as follows:

[0145] A first acquisition module 101 is used to acquire the travel data of the vehicle collected by the application program corresponding to the insurance business through the application program;

[0146] A determination module 102 is used to obtain a travel location in the travel data and determine whether the travel location is a preset target location;

[0147] The second acquisition module 103 is used to acquire the current distance between the travel location and the target location when the travel location is the target location, and trigger a recording event if the current distance is less than a preset distance;

[0148] A statistics module 104 is used to count the number of recorded events using a preset statistical function within a preset time period, and set the number of recorded events as the original number of trips of the vehicle to the target location;

[0149] The third acquisition module 105 is used to obtain a random number and determine the final number of trips according to the original number of trips and the random number;

[0150] The generating module 106 is used to generate risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips.

[0151] In one embodiment, the first acquisition module 101 includes:

[0152] A collection unit, configured to collect travel events of the vehicle through the application corresponding to the insurance business;

[0153] A combining unit is used to combine a plurality of the travel events to obtain the travel data.

[0154] In one embodiment, the acquisition unit includes:

[0155] A sending subunit, used to generate an event acquisition request through the application corresponding to the insurance business, connect to the on-board device of the vehicle, and send the event acquisition request to the on-board device;

[0156] The receiving subunit is used to receive the travel event returned by the vehicle-mounted device according to the event acquisition request.

[0157] In one embodiment, the second acquisition module 103 includes:

[0158] A first acquisition unit, configured to acquire, when the travel location is the target location, a first coordinate of the travel location and a second coordinate of the target location;

[0159] A trigger unit is used to determine the current distance between the travel location and the target location according to the first coordinate and the second coordinate, and trigger the recording event once if the current distance is less than the preset distance.

[0160] In one embodiment, the third acquisition module 105 includes:

[0161] A second acquisition unit is used to acquire a privacy budget corresponding to the original number of trips, compare the privacy budget with a preset sensitivity, and generate a scale parameter;

[0162] an extraction unit, configured to obtain a random number generated by a first random number generation function or a second random number generation function based on the scale parameter, wherein the first random number generation function is a random number generation function corresponding to a Laplace distribution, and the second random number generation function is a random number generation function corresponding to an exponential distribution;

[0163] An adding unit is used to add the original number of trips to the random number to generate the final number of trips.

[0164] In one embodiment, the generating module 106 includes:

[0165] A third acquisition unit is used to acquire a service identifier of the insurance service, acquire vehicle identity information recorded by the application, and acquire a vehicle frame number of the vehicle from the identity information;

[0166] A generating unit is used to combine the business identifier, the vehicle frame number and the final number of trips to generate risk analysis data for the insurance business.

[0167] In one embodiment, the risk analysis device further includes:

[0168] The storage module is used to obtain a preset upload time and determine whether the current time is the upload time; when the current time is the upload time, connect to a preset server through the preset network and upload the call content to the server, wherein the preset network includes one of a 4G network, a 5G network, and a WIFI network or a combination thereof.

[0169] In the embodiment of the present invention, the beneficial effects of the scheme lie in two aspects. On the one hand, since the risk analysis data of the insurance business includes the final number of trips but does not include the initial number of trips, it can meet the privacy protection requirements. On the other hand, the final number of trips can be used for risk analysis, thus meeting the analysis requirements of the insurance business.

[0170] For the specific definition of the risk analysis device, please refer to the definition of the risk analysis method above, which will not be repeated here.

[0171] Each module in the above risk analysis device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0172] See also Figure 7 , Figure 7is a schematic diagram of a computer device in one embodiment of the present invention. In one embodiment, a computer device is provided. The computer device may be a server. The internal structure diagram thereof may be as shown in FIG. Figure 7 The computer device includes a processor, a memory, a network interface and a database connected through a system bus.

[0173] The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client through a network connection. When the computer program is executed by the processor, a function or step of a risk analysis method on the server side is implemented.

[0174] See also Figure 8 , Figure 8 is another structural diagram of a computer device in one embodiment of the present invention. In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as shown in FIG. Figure 8 As shown. The computer device includes a processor, a memory, a network interface, a display screen and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external task database through a network connection. When the computer program is executed by the processor, it realizes the functions or steps of a risk analysis method on the client side.

[0175] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

[0176] Obtaining, through an application corresponding to the insurance business, the travel data of the vehicle collected by the application;

[0177] Acquire a travel location in the travel data, and determine whether the travel location is a preset target location;

[0178] When the travel location is the target location, obtaining the current distance between the travel location and the target location, and triggering a recording event if the current distance is less than a preset distance;

[0179] Within a preset time period, using a preset statistical function, counting the number of recorded events, and setting the number of recorded events as the original number of trips of the vehicle to the target location;

[0180] Obtain a random number, and determine a final number of trips based on the original number of trips and the random number;

[0181] Based on the business identifier of the insurance business and the final number of trips, risk analysis data of the insurance business is generated.

[0182] In one embodiment, the processor is used to implement:

[0183] collecting travel events of the vehicle through the application corresponding to the insurance business;

[0184] A plurality of the travel events are combined to obtain the travel data.

[0185] In one embodiment, the processor is used to implement:

[0186] Generate an event acquisition request through the application corresponding to the insurance business, connect to the on-board device of the vehicle, and send the event acquisition request to the on-board device;

[0187] Receive the travel event returned by the in-vehicle device according to the event acquisition request.

[0188] In one embodiment, the processor is used to implement:

[0189] When the travel location is the target location, obtaining the first coordinate of the travel location and obtaining the second coordinate of the target location;

[0190] The current distance between the travel location and the target location is determined according to the first coordinate and the second coordinate, and if the current distance is less than the preset distance, the recording event is triggered once.

[0191] In one embodiment, the processor is used to implement:

[0192] Obtaining a privacy budget corresponding to the original number of trips, comparing the privacy budget with a preset sensitivity, and generating a scale parameter;

[0193] Obtain a random number generated by a first random number generation function or a second random number generation function based on the scale parameter, wherein the first random number generation function is a random number generation function corresponding to a Laplace distribution, and the second random number generation function is a random number generation function corresponding to an exponential distribution;

[0194] The original number of trips is added to the random number to generate the final number of trips. In one embodiment, the processor is used to implement:

[0195] Obtaining a business identifier of the insurance business, obtaining vehicle identity information recorded by the application, and obtaining the vehicle frame number of the vehicle from the identity information;

[0196] The business identifier, the vehicle frame number and the final number of trips are combined to generate risk analysis data for the insurance business.

[0197] In one embodiment, the processor is used to implement:

[0198] Obtain a preset upload time and determine whether the current time is the upload time; when the current time is the upload time, connect to a preset server through the preset network and upload the call content to the server, wherein the preset network includes one of a 4G network, a 5G network, and a WIFI network or a combination thereof.

[0199] In the embodiment of the present invention, the beneficial effects of the scheme lie in two aspects. On the one hand, since the risk analysis data of the insurance business includes the final number of trips but does not include the initial number of trips, it can meet the privacy protection requirements. On the other hand, the final number of trips can be used for risk analysis, thus meeting the analysis requirements of the insurance business.

[0200] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can refer to the relevant descriptions on the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0201] The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a graphics processing unit (GPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.

[0202] The above description and accompanying drawings fully illustrate the embodiments of the present disclosure so that those skilled in the art can practice them. Other embodiments may include structural, logical, electrical, process and other changes. The embodiments represent possible changes only. Unless explicitly required, separate components and functions are optional, and the order of operation may vary. Parts and subsamples of some embodiments may be included in or replace parts and subsamples of other embodiments. Moreover, the words used in this application are only used to describe the embodiments and are not used to limit the claims. As used in the description of the embodiments and claims, unless the context clearly indicates, the singular forms of "a", "an" and "the" are intended to include plural forms as well. Similarly, the term "and / or" as used in this application refers to any and all possible combinations of listings containing one or more associated ones. In addition, when used in the present application, the term "comprise" and its variants "comprises" and / or comprising refer to the presence of a stated sub-sample, whole, step, operation, element, and / or component, but do not exclude the presence or addition of one or more other sub-samples, wholes, steps, operations, elements, components and / or groups of these. In the absence of further restrictions, the elements defined by the sentence "comprising a ..." do not exclude the presence of other identical elements in the process, method or device comprising the elements. In this article, each embodiment may focus on the differences from other embodiments, and the same and similar parts between the various embodiments may refer to each other. For the methods, products, etc. disclosed in the embodiments, if they correspond to the method part disclosed in the embodiments, then the relevant parts can refer to the description of the method part.

[0203] Those skilled in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software may depend on the specific application and design constraints of the technical solution. Technicians can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the embodiments of the present disclosure. Technicians can clearly understand that for the convenience and simplicity of description, the specific working process of the above-described system, device and unit can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here.

[0204] In the embodiments disclosed herein, the disclosed methods and products (including but not limited to devices, equipment, etc.) can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of units can be only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some sub-samples can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between each other shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms. The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the units may be selected according to actual needs to implement this embodiment. In addition, each functional unit in the embodiment of the present disclosure may be integrated in a processing unit, or each unit may exist physically alone, or two or more units may be integrated in one unit.

[0205] The flowchart and block diagram in the accompanying drawings show the possible architecture, function and operation of the system, method and computer program product according to the embodiment of the present disclosure. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of the code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. In some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, which can depend on the functions involved. In the description corresponding to the flowchart and the block diagram in the accompanying drawings, the operations or steps corresponding to different boxes can also occur in a different order from the order disclosed in the description, and sometimes there is no specific order between different operations or steps. For example, two consecutive operations or steps can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, which can depend on the functions involved. Each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, may be implemented by a dedicated hardware-based system that performs the specified functions or actions, or may be implemented by a combination of dedicated hardware and computer instructions.

Claims

1. A risk analysis method, characterized in that: include: Obtaining, through an application corresponding to the insurance business, the travel data of the vehicle collected by the application; Acquire a travel location in the travel data, and determine whether the travel location is a preset target location; When the travel location is the target location, obtaining the current distance between the travel location and the target location, and triggering a recording event if the current distance is less than a preset distance; Within a preset time period, using a preset statistical function, counting the number of recorded events, and setting the number of recorded events as the original number of trips of the vehicle to the target location; Obtain a random number, and determine a final number of trips based on the original number of trips and the random number; Based on the business identifier of the insurance business and the final number of trips, risk analysis data of the insurance business is generated.

2. The risk analysis method according to claim 1, characterized in that: The step of obtaining the travel data of the vehicle collected by the application corresponding to the insurance business includes: collecting travel events of the vehicle through the application corresponding to the insurance business; A plurality of the travel events are combined to obtain the travel data.

3. The risk analysis method according to claim 2, characterized in that: The collecting of the travel events of the vehicle through the application corresponding to the insurance business includes: Generate an event acquisition request through the application corresponding to the insurance business, connect to the on-board device of the vehicle, and send the event acquisition request to the on-board device; Receive the travel event returned by the in-vehicle device according to the event acquisition request.

4. The risk analysis method according to claim 1, characterized in that: When the travel location is the target location, obtaining the current distance between the travel location and the target location, and triggering a recording event if the current distance is less than a preset distance, includes: When the travel location is the target location, obtaining the first coordinate of the travel location and obtaining the second coordinate of the target location; The current distance between the travel location and the target location is determined according to the first coordinate and the second coordinate, and if the current distance is less than the preset distance, the recording event is triggered once.

5. The risk analysis method according to claim 1, characterized in that: The obtaining of a random number and determining a final number of trips according to the original number of trips and the random number include: Obtaining a privacy budget corresponding to the original number of trips, comparing the privacy budget with a preset sensitivity, and generating a scale parameter; Obtain a random number generated by a first random number generation function or a second random number generation function based on the scale parameter, wherein the first random number generation function is a random number generation function corresponding to a Laplace distribution, and the second random number generation function is a random number generation function corresponding to an exponential distribution; The original number of trips is added to the random number to generate the final number of trips.

6. The risk analysis method according to claim 1, characterized in that: The generating risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips includes: Obtaining a business identifier of the insurance business, obtaining vehicle identity information recorded by the application, and obtaining the vehicle frame number of the vehicle from the identity information; The business identifier, the vehicle frame number and the final number of trips are combined to generate risk analysis data for the insurance business.

7. The risk analysis method according to claim 1, characterized in that: After generating the risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips, the risk analysis method includes: Obtain a preset upload time, and determine whether the current time is the upload time; When the current time is the upload time, the preset server is connected through the preset network to upload the call content to the server, and the preset network includes one of the 4G network, 5G network, and WIFI network or a combination thereof.

8. A risk analysis device, characterized in that: include: A first acquisition module is used to acquire the travel data of the vehicle collected by the application program corresponding to the insurance business through the application program; A determination module, used for obtaining a travel location in the travel data, and determining whether the travel location is a preset target location; A second acquisition module is used to acquire the current distance between the travel location and the target location when the travel location is the target location, and trigger a recording event if the current distance is less than a preset distance; A statistics module, used to count the number of recorded events using a preset statistical function within a preset time period, and set the number of recorded events as the original number of trips of the vehicle to the target location; A third acquisition module is used to obtain a random number and determine a final number of trips according to the original number of trips and the random number; A generating module is used to generate risk analysis data of the insurance business based on the business identifier of the insurance business and the final number of trips.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the risk analysis method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the risk analysis method according to any one of claims 1 to 7 are implemented.

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