Vehicle insurance data model construction method and management method and device

Abstract

The invention provides a vehicle insurance data model construction method and device and a vehicle insurance data model management method and device, and relates to the technical field of vehicle data processing, and the construction method comprises the steps: obtaining historical insurance data and to-be-emerged data of an insured vehicle; repeated data removal and data format verification are carried out on the vehicle information and the insurance policy information in the historical insurance data and the to-be-emerged data; when the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the to-be-emerged data are consistent, performing data matching and fusion on the historical insurance data and the to-be-emerged data to obtain target insurance data; encrypting the target insurance data to obtain current insurance data of the vehicle; and inputting the current insurance data of the vehicle into a comprehensive management model for training and tuning to obtain a vehicle insurance data model. According to the invention, by constructing the vehicle insurance data model, the safety and integrity of the insurance data processing process of the insured vehicle are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of vehicle data processing, and in particular to a vehicle insurance data model construction method and management method and device. Background Art

[0002] With the rapid development of digital technology, changes in the auto insurance industry and the increasing demand for data-driven decision-making, traditional file storage and management methods can no longer meet the needs. Therefore, existing vehicle insurance management methods use database management systems, data warehouses, big data analysis platforms and other technical means to achieve file storage and management.

[0003] However, in the current vehicle insurance data management, the security of automobile insurance data faces more and more challenges, such as data leakage, security risks during storage and transmission. At the same time, some vehicle insurance data may be inaccurate during multiple transmissions and storage processes, such as incorrect claim records, insurance contract information, etc., which in turn affects subsequent business decisions and analysis. Summary of the invention

[0004] The problem solved by the present invention is how to improve the safety and accuracy of the model in processing vehicle insurance data.

[0005] In order to solve the above problems, the present invention provides a vehicle insurance data model construction method and management method and device.

[0006] In a first aspect, the present invention provides a method for constructing a vehicle insurance data model, comprising: Obtain the historical insurance data and pending insurance data of the insured vehicle; De-duplication of the historical insurance data and the vehicle information and insurance policy information in the pending insurance data and verifying the data format; When the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent, the historical insurance data and the pending insurance data are matched and merged to obtain target insurance data; Encrypting the target insurance data to obtain current insurance data of the vehicle; The current insurance data of the vehicle is input into a comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

[0007] Optionally, encrypting the target insurance data to obtain current insurance data of the vehicle includes: Get the basic elliptic curve parameters; Obtaining an insurance key pair according to the target insurance data; The target insurance data is encrypted according to the basic elliptic curve parameters and the insurance key pair to obtain the current insurance data of the vehicle.

[0008] Optionally, the comprehensive management model includes a data preprocessing module, a data management module and a quality control module, and the current insurance data of the vehicle is input into the comprehensive management model for training and tuning to obtain a vehicle insurance data model, including: Inputting the current insurance data of the vehicle into the data preprocessing module to obtain encrypted insurance data, wherein the data preprocessing module is used to perform security encryption, compliance check and integrity verification on the current insurance data of the vehicle; Input the encrypted insurance data into the data management module to perform data identification, and obtain access permission information, security sharing information and insurance backup information of the encrypted insurance data, wherein the access permission information is used to make authorization judgment on user access, and the security sharing information is used to record access records and generate sharing logs for storage; Inputting the insurance backup information into the quality control module for data cleaning and standardization to obtain backup insurance data, and obtaining optimized loss parameters based on the insurance backup information and the backup insurance data; The comprehensive management model is tuned according to the optimized loss parameters to obtain the vehicle insurance data model.

[0009] Optionally, inputting the current insurance data of the vehicle into the data preprocessing module to obtain encrypted insurance data includes: The current insurance data of the vehicle is encrypted by a data encryption formula to obtain temporary encrypted data, wherein the data encryption formula is as follows: Ciphertext=AES_encrypt(Plaintext,Key), Wherein, Plaintext represents the current insurance data of the vehicle, Key represents the encryption key, Ciphertext represents the temporary encrypted data, and AES_encrypt represents the symmetric encryption algorithm; Checking the personal information in the temporary encrypted data to determine whether the personal information is encrypted; When the personal information is not encrypted, the current insurance data of the vehicle is encrypted again using the data encryption formula; When the personal information has been encrypted, the integrity of the temporary encrypted data is verified by a data verification formula to obtain the encrypted insurance data, wherein the data verification formula is as follows: Signature=Sign(Data_Hash,PrivateKey) Among them, Data_Hash represents the hash value of the temporary encrypted data, PrivateKey represents the private key, Signature represents the digital signature, and Sign represents the algorithm for signing the hash value of the temporary encrypted data using the private key.

[0010] Optionally, the step of inputting the encrypted insurance data into a data management module to perform data identification and obtain access permission information, security sharing information and insurance backup information of the encrypted insurance data includes: Obtaining an access control list according to the encrypted insurance data, and obtaining access authority information according to the access control list; Acquire a sharing policy and an access control rule, and process the encrypted insurance data according to the sharing policy and the access control rule to obtain the secure sharing information; A storage location and a backup frequency are obtained, and data backup is performed on the encrypted insurance data according to the storage location and the backup frequency to obtain the insurance backup information.

[0011] Optionally, the inputting the insurance backup information into the quality control module for data cleaning and standardization to obtain backup insurance data includes: The insurance backup information is processed by a data cleaning formula to obtain temporary backup data, wherein the data cleaning formula is as follows: CleanedData=f(RawData), Wherein, CleanedData represents the temporary backup data, RawData represents the insurance backup information, and f represents a processing function for data cleaning; The temporary standby data is standardized by a standardized formula to obtain the standby insurance data, wherein the standardized formula is as follows: StandardizedData=(OriginalData-Mean) / StandardDeviation, Among them, StandardizedData represents the backup insurance data, OriginalData represents the temporary backup data, Mean represents the mean of the backup insurance data, and StandardDeviation represents the standard deviation of the backup insurance data.

[0012] In a second aspect, the present invention provides a device for constructing a vehicle insurance data model, comprising: An acquisition unit, used to acquire historical insurance data and pending insurance data of the insured vehicle; A processing unit, for removing duplicate data and verifying data format of vehicle information and insurance policy information in the historical insurance data and the pending insurance data; A verification unit, configured to match and merge the historical insurance data with the pending insurance data to obtain target insurance data when the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent; An encryption unit, used for encrypting the target insurance data to obtain current insurance data of the vehicle; The training unit is used to input the current insurance data of the vehicle into the comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

[0013] In a third aspect, the present invention provides an electronic device, including a memory and a processor; The memory is used to store computer programs; The processor is used to implement the vehicle insurance data model construction method as described in the first aspect when executing the computer program.

[0014] In a fourth aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the vehicle insurance data model construction method as described in the first aspect is implemented.

[0015] In a fifth aspect, the present invention provides a vehicle insurance data management method, characterized by comprising: Obtain the historical insurance data and pending insurance data of the target vehicle; Inputting the historical insurance data and pending insurance data of the target vehicle into a vehicle insurance data model to obtain the backup insurance data of the target vehicle, wherein the vehicle insurance data model is constructed by the vehicle insurance data model construction method as described in the first aspect; The backup insurance data is stored.

[0016] Optionally, it also includes: According to the backup insurance data, data analysis and application are performed to obtain a vehicle insurance report, wherein the vehicle insurance report is used to analyze and predict the future probability of accidents and insurance costs of the target vehicle to optimize the vehicle insurance plan.

[0017] In a sixth aspect, the present invention provides a vehicle insurance data management device, comprising: An acquisition module is used to obtain the historical insurance data and pending insurance data of the target vehicle; a processing module, used for inputting the historical insurance data and pending insurance data of the target vehicle into a vehicle insurance data model to obtain the backup insurance data of the target vehicle, wherein the vehicle insurance data model is constructed by the vehicle insurance data model construction method as described in the first aspect; The storage module is used to store the backup insurance data.

[0018] The vehicle insurance data model and management method of the present invention have the following beneficial effects: the present invention removes duplicate data and verifies the data format of vehicle information and insurance policy information to ensure the data quality and consistency of historical insurance data and pending insurance data, provides high-quality data for building a vehicle insurance data model, ensures that the data information reaches the fusion standard before fusion, and then fuses to obtain target insurance data. By controlling the consistency of data fusion, it is avoided that different data are mixed, so that the final data is not accurate enough and cannot be used for reference. At the same time, the target insurance data is encrypted to provide reliable and secure data for model training while ensuring the security of insurance data. The current insurance data of the vehicle is used to train and tune the comprehensive management model to obtain a highly accurate vehicle insurance data model. The vehicle insurance data model can be used to perform secondary encryption and data simplification on the insurance information of the insured vehicle, ensure user privacy, and reduce the amount of backup storage data, so that it can be better and faster transmitted during the call process, avoiding data loss problems caused by excessive data volume, thereby achieving efficient management of vehicle insurance data and providing strong support for insurance business and risk control. The present invention improves the security and accuracy of insurance data processing for insured vehicles by constructing a vehicle insurance data model. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 A schematic diagram of a process for constructing a vehicle insurance data model according to an embodiment of the present invention; Figure 2 The figure is a schematic diagram of the structure of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0020] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, the specific embodiments of the present invention are described in detail below in conjunction with the accompanying drawings. Although certain embodiments of the present invention are shown in the accompanying drawings, it should be understood that the present invention can be implemented in various forms and should not be interpreted as being limited to the embodiments described herein. On the contrary, these embodiments are provided to provide a more thorough and complete understanding of the present invention. It should be understood that the drawings and embodiments of the present invention are only for exemplary purposes and are not intended to limit the scope of protection of the present invention.

[0021] It should be understood that the various steps described in the method embodiments of the present invention may be performed in different orders and / or in parallel. In addition, the method embodiments may include additional steps and / or omit the steps shown. The scope of the present invention is not limited in this respect.

[0022] The term "including" and its variations used in this document are open inclusions, that is, "including but not limited to"; the term "based on" means "based at least in part on"; the term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one other embodiment"; the term "some embodiments" means "at least some embodiments"; the term "optionally" means "optional embodiments". The relevant definitions of other terms will be given in the following description. It should be noted that the concepts of "first", "second", etc. mentioned in the present invention are only used to distinguish different devices, modules or units, and are not used to limit the order or interdependence of the functions performed by these devices, modules or units.

[0023] It should be noted that the modifications of "one" and "plurality" mentioned in the present invention are illustrative rather than restrictive, and those skilled in the art should understand that, unless otherwise clearly indicated in the context, it should be understood as "one or more".

[0024] The names of the messages or information exchanged between multiple devices in the embodiments of the present invention are only used for illustrative purposes, and are not used to limit the scope of these messages or information.

[0025] In view of the problems existing in the above-mentioned related technologies, this embodiment provides a vehicle insurance data model construction method and management method and device.

[0026] like Figure 1 As shown, a vehicle insurance data model construction method provided by an embodiment of the present invention includes: Step S1, obtaining the historical insurance data and pending insurance data of the insured vehicle; Specifically, some vehicle insurance companies may face the problem of inefficient claims management, which leads to long claims processing time and reduced customer satisfaction. Therefore, it is necessary to optimize the claims process and improve efficiency. In the entire process, the call and storage of data are crucial.

[0027] Step S2, removing duplicate data and verifying the data format of the vehicle information and insurance policy information in the historical insurance data and the pending insurance data; Specifically, this embodiment cleans and organizes the data based on the acquired historical insurance data and pending insurance data to ensure the accuracy and completeness of the data. This includes but is not limited to verifying whether the data format is correct, removing duplicate data, filling in missing information, etc. At the same time, it can be understood that the historical insurance data may include previous insurance records, claims records, premium payment status, etc., and the current pending insurance data may include recent accident records, claims status, and information about vehicles and personnel involved, etc., which are not limited here and are set according to actual application conditions.

[0028] Step S3, when the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent, the historical insurance data and the pending insurance data are matched and merged to obtain target insurance data; Specifically, the historical insurance data and the current pending insurance data are matched according to the vehicle information and the insurance policy number, or the insured person information and other related fields to establish the data association relationship. It is understandable that there is no special limitation on the verification of information, as long as the information can be proved to be unified. The verified and matched historical insurance data and the current pending insurance data are integrated and managed, which can be done by establishing an overall data set, or by using database operations or data integration. In the integrated target insurance data, the correctness of the insurance data is verified. This can be done by checking the accident reports, claims records, police reports, etc. to ensure the authenticity and accuracy of the data.

[0029] Step S4, encrypting the target insurance data to obtain the current insurance data of the vehicle; Specifically, vehicle insurance involves a large amount of sensitive data, including customer information, policy information, claims records, etc. Therefore, data management and security are important issues, and measures need to be taken to ensure the secure storage and transmission of data.

[0030] Step S5, inputting the current insurance data of the vehicle into the comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

[0031] Compared with the prior art, this embodiment removes duplicate data and verifies the data format of vehicle information and insurance policy information to ensure the data quality and consistency of historical insurance data and pending insurance data, provides high-quality data for building a vehicle insurance data model, and ensures that the data information reaches the fusion standard before fusion, and then fuses to obtain target insurance data. By controlling the consistency of data fusion, it is avoided that different data are mixed, so that the final data is not accurate enough and cannot be used for reference. At the same time, the target insurance data is encrypted to ensure the security of insurance data while providing reliable and secure data for model training. The current insurance data of the vehicle is used to train and tune the comprehensive management model to obtain a highly accurate vehicle insurance data model. The vehicle insurance data model can be used to perform secondary encryption and data simplification on the insurance information of the insured vehicle, while ensuring user privacy, reducing the amount of backup storage data, so that it can be better and faster transmitted during the call process, avoiding data loss problems caused by excessive data volume, thereby achieving efficient management of vehicle insurance data and providing strong support for insurance business and risk control. This embodiment improves the security and integrity of the insurance data processing of the insured vehicle by constructing a vehicle insurance data model.

[0032] Optionally, encrypting the target insurance data to obtain current insurance data of the vehicle includes: Get the basic elliptic curve parameters; Obtaining an insurance key pair according to the target insurance data; The target insurance data is encrypted according to the basic elliptic curve parameters and the insurance key pair to obtain the current insurance data of the vehicle.

[0033] Specifically, in actual vehicle insurance data management, due to data leakage, data errors, data confusion and / or data redundancy, not only user privacy is leaked, but also the corporate image is affected and operating costs are increased. Therefore, in order to solve the problem of data management security, this embodiment performs an encryption process before model training to effectively ensure the data security of vehicle insurance data management. The encryption process is as follows: the receiver generates his own key pair (private key and public key); the sender uses the receiver's public key to encrypt the message; the receiver uses his own private key to decrypt the ciphertext. In this embodiment, the sender can be a user or an insurance staff member, and the receiver is a vehicle insurance data model.

[0034] Optionally, the comprehensive management model includes a data preprocessing module, a data management module and a quality control module, and the current insurance data of the vehicle is input into the comprehensive management model for training and tuning to obtain a vehicle insurance data model, including: Inputting the current insurance data of the vehicle into the data preprocessing module to obtain encrypted insurance data, wherein the data preprocessing module is used to perform security encryption, compliance check and integrity verification on the current insurance data of the vehicle; Input the encrypted insurance data into the data management module to perform data identification, and obtain access permission information, security sharing information and insurance backup information of the encrypted insurance data, wherein the access permission information is used to make authorization judgment on user access, and the security sharing information is used to record access records and generate sharing logs for storage; Inputting the insurance backup information into the quality control module for data cleaning and standardization to obtain backup insurance data, and obtaining optimized loss parameters based on the insurance backup information and the backup insurance data; The comprehensive management model is tuned according to the optimized loss parameters to obtain the vehicle insurance data model.

[0035] Specifically, this embodiment ensures the reliability and security of data transmission and storage through the secure encryption and access control of the data preprocessing module, and reduces the risks of data leakage and loss; through the quality control and standardization processing of the data management and quality control modules, the consistency and accuracy of the data are ensured, and the errors and risks of model establishment are reduced; through the training and tuning of the comprehensive management model, a vehicle insurance data model with high accuracy and high prediction performance is obtained to support various vehicle insurance platform business needs such as insurance prediction and risk assessment; through the data backup and management of the data management module, it is ensured that the life cycle of the data is well managed and maintained. This embodiment realizes the all-round management and optimization of vehicle insurance data, from data preprocessing, secure encryption, compliance checking, data identification to data cleaning and standardization processing, etc., to ensure the security, consistency and accuracy of the data, so that the final vehicle insurance data model has higher reliability and prediction accuracy. The encrypted insurance data is used for access rights management and secure sharing information recording, as well as the application of optimized loss parameters of spare insurance data, so that the vehicle insurance data model can better adapt to actual business needs and ensure the security and reliability of data. It provides a complete solution for the entire vehicle insurance data processing process, ensures the integration, security, compliance and accuracy of vehicle insurance data, and provides insurance companies with reliable data support and decision-making basis.

[0036] Optionally, inputting the current insurance data of the vehicle into the data preprocessing module to obtain encrypted insurance data includes: The current insurance data of the vehicle is encrypted by a data encryption formula to obtain temporary encrypted data, wherein the data encryption formula is as follows: Ciphertext=AES_encrypt(Plaintext,Key), Wherein, Plaintext represents the current insurance data of the vehicle, Key represents the encryption key, Ciphertext represents the temporary encrypted data, and AES_encrypt represents the symmetric encryption algorithm; Checking the personal information in the temporary encrypted data to determine whether the personal information is encrypted; When the personal information is not encrypted, the current insurance data of the vehicle is encrypted again using the data encryption formula; When the personal information has been encrypted, the integrity of the temporary encrypted data is verified by a data verification formula to obtain the encrypted insurance data, wherein the data verification formula is as follows: Signature=Sign(Data_Hash,PrivateKey) Among them, Data_Hash represents the hash value of the temporary encrypted data, PrivateKey represents the private key, Signature represents the digital signature, and Sign represents the algorithm for signing the hash value of the temporary encrypted data using the private key.

[0037] Specifically, through the method of this embodiment, the current insurance data of the vehicle is encrypted and the encrypted data is subjected to personal information encryption check, including verification of the data format and the encryption status of personal information, and integrity verification and digital signature of the data. Such data encryption and verification methods fully ensure the confidentiality and integrity of the data, while effectively preventing the leakage of personal information, and providing higher security and reliability for vehicle insurance data.

[0038] Optionally, the step of inputting the encrypted insurance data into a data management module to perform data identification and obtain access permission information, security sharing information and insurance backup information of the encrypted insurance data includes: Obtaining an access control list according to the encrypted insurance data, and obtaining access authority information according to the access control list; Acquire a sharing policy and an access control rule, and process the encrypted insurance data according to the sharing policy and the access control rule to obtain the secure sharing information; A storage location and a backup frequency are obtained, and data backup is performed on the encrypted insurance data according to the storage location and the backup frequency to obtain the insurance backup information.

[0039] Specifically, the data management module in this embodiment processes the encrypted insurance data to obtain access permission information, security sharing information, and insurance backup information respectively. By obtaining access permission information through the access control list, access permissions to insurance data can be effectively managed and controlled to ensure data security; processing encrypted data according to sharing policies and access control rules can clarify the objects of sharing and the scope of permissions to ensure secure sharing of data; using storage location and backup frequency to back up data can ensure that data can be restored in a timely manner in the event of an accident, and ensure the integrity and availability of data. This embodiment implements the comprehensive use of access control, sharing policies, backup frequency and other measures to comprehensively guarantee the use, sharing and secure backup of insurance data, and provides an effective solution for the full life cycle management of insurance data.

[0040] Optionally, the inputting the insurance backup information into the quality control module for data cleaning and standardization to obtain backup insurance data includes: The insurance backup information is processed by a data cleaning formula to obtain temporary backup data, wherein the data cleaning formula is as follows: CleanedData=f(RawData), Wherein, CleanedData represents the temporary backup data, RawData represents the insurance backup information, and f represents a processing function for data cleaning; The temporary standby data is standardized by a standardized formula to obtain the standby insurance data, wherein the standardized formula is as follows: StandardizedData=(OriginalData-Mean) / StandardDeviation, Among them, StandardizedData represents the backup insurance data, OriginalData represents the temporary backup data, Mean represents the mean of the backup insurance data, and StandardDeviation represents the standard deviation of the backup insurance data.

[0041] Specifically, through data cleaning and standardization, insurance backup data is converted into standardized and high-quality backup insurance data, which improves the accuracy, consistency and integrity of the data. Data cleaning can handle errors, duplications and omissions in the data, making the backup data cleaner and more reliable; data standardization enables backup insurance data to have a unified data format and range, providing a better data foundation for subsequent analysis and application. This processing method helps to optimize data quality and provide accurate and reliable data support for model training and analysis.

[0042] An embodiment of the present invention provides a vehicle insurance data model construction device, comprising: An acquisition unit, used to acquire historical insurance data and pending insurance data of the insured vehicle; A processing unit, for removing duplicate data and verifying data format of vehicle information and insurance policy information in the historical insurance data and the pending insurance data; A verification unit, configured to match and merge the historical insurance data with the pending insurance data to obtain target insurance data when the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent; An encryption unit, used for encrypting the target insurance data to obtain current insurance data of the vehicle; The training unit is used to input the current insurance data of the vehicle into the comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

[0043] The vehicle insurance data model construction device of this embodiment is used to implement the vehicle insurance data model construction method as described above. Its advantages over the prior art are the same as the advantages of the above-mentioned vehicle insurance data model construction method over the prior art, and will not be repeated here.

[0044] An embodiment of the present invention provides a vehicle insurance data management method, comprising: Obtain the historical insurance data and pending insurance data of the target vehicle; Inputting the historical insurance data and pending insurance data of the target vehicle into a vehicle insurance data model to obtain the backup insurance data of the target vehicle, wherein the vehicle insurance data model is constructed by the vehicle insurance data model construction method as described in the first aspect; The backup insurance data is stored.

[0045] Optionally, it also includes: According to the backup insurance data, data analysis and application are performed to obtain a vehicle insurance report, wherein the vehicle insurance report is used to analyze and predict the future probability of accidents and insurance costs of the target vehicle to optimize the vehicle insurance plan.

[0046] The vehicle insurance data management method of this embodiment is used to implement the vehicle insurance data model construction method as described above. Its advantages over the prior art are the same as the advantages of the above-mentioned vehicle insurance data model construction method over the prior art, and will not be repeated here.

[0047] An embodiment of the present invention provides a vehicle insurance data management device, comprising: An acquisition module is used to obtain the historical insurance data and pending insurance data of the target vehicle; a processing module, used for inputting the historical insurance data and pending insurance data of the target vehicle into a vehicle insurance data model to obtain the backup insurance data of the target vehicle, wherein the vehicle insurance data model is constructed by the vehicle insurance data model construction method as described in the first aspect; The storage module is used to store the backup insurance data.

[0048] The vehicle insurance data management device of this embodiment is used to implement the vehicle insurance data management method as described above. Its advantages over the prior art are the same as the advantages of the vehicle insurance data management method as described above over the prior art, and will not be repeated here.

[0049] like Figure 2 As shown, an electronic device 200 provided by an embodiment of the present invention includes a memory 210 and a processor 220; the memory 210 is used to store a computer program; the processor 220 is used to implement the vehicle insurance data model construction method as described above when executing the computer program.

[0050] In other words, an electronic device 200 includes a memory 210 and a processor 220 coupled to the memory 210; the memory 210 is configured to store a computer program; and the processor 220 is configured to perform the following operations when executing the computer program: Obtain the historical insurance data and pending insurance data of the insured vehicle; De-duplication of the historical insurance data and the vehicle information and insurance policy information in the pending insurance data and verifying the data format; When the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent, the historical insurance data and the pending insurance data are matched and merged to obtain target insurance data; Encrypting the target insurance data to obtain current insurance data of the vehicle; The current insurance data of the vehicle is input into a comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

[0051] An embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the vehicle insurance data model construction method as described above is implemented.

[0052] In other words, a non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor performs the following operations: Obtain the historical insurance data and pending insurance data of the insured vehicle; De-duplication of the historical insurance data and the vehicle information and insurance policy information in the pending insurance data and verifying the data format; When the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent, the historical insurance data and the pending insurance data are matched and merged to obtain target insurance data; Encrypting the target insurance data to obtain current insurance data of the vehicle; The current insurance data of the vehicle is input into a comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

[0053] An electronic device 200 that can be used as a server or client of the present invention will now be described, which is an example of a hardware device that can be applied to various aspects of the present invention. The electronic device 200 is intended to represent various forms of digital electronic computer equipment, such as laptop computers, desktop computers, workbenches, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device 200 can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples, and are not intended to limit the implementation of the present invention described and / or required herein.

[0054] The electronic device 200 includes a computing unit, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) or a computer program loaded from a storage unit into a random access memory (RAM). In the RAM, various programs and data required for the operation of the device can also be stored. The computing unit, ROM, and RAM are connected to each other via a bus. An input / output (I / O) interface is also connected to the bus.

[0055] A person of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment method can be implemented by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the storage medium can be a disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc. In the present application, the unit described as a separate component may or may not be physically separated, and the component displayed as a unit may or may not be a physical unit, that is, it may be located in one place, or it may be distributed on multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the embodiment of the present invention. In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, or each unit can exist physically separately, or two or more units can be integrated in one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

[0056] Although the present invention is disclosed as above, the protection scope of the present invention is not limited thereto. Those skilled in the art may make various changes and modifications without departing from the spirit and scope of the present invention, and these changes and modifications will fall within the protection scope of the present invention.

Claims

1. A method for constructing a vehicle insurance data model, characterized in that: include: Obtain the historical insurance data and pending insurance data of the insured vehicle; De-duplication of the historical insurance data and the vehicle information and insurance policy information in the pending insurance data and verifying the data format; When the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent, the historical insurance data and the pending insurance data are matched and merged to obtain target insurance data; Encrypting the target insurance data to obtain current insurance data of the vehicle; The current insurance data of the vehicle is input into a comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

2. The vehicle insurance data model construction method according to claim 1, characterized in that: The step of encrypting the target insurance data to obtain the current insurance data of the vehicle includes: Get the basic elliptic curve parameters; Obtaining an insurance key pair according to the target insurance data; The target insurance data is encrypted according to the basic elliptic curve parameters and the insurance key pair to obtain the current insurance data of the vehicle.

3. The vehicle insurance data model construction method according to claim 1, characterized in that: The comprehensive management model includes a data preprocessing module, a data management module and a quality control module. The current insurance data of the vehicle is input into the comprehensive management model for training and tuning to obtain a vehicle insurance data model, including: Inputting the current insurance data of the vehicle into the data preprocessing module to obtain encrypted insurance data, wherein the data preprocessing module is used to perform security encryption, compliance check and integrity verification on the current insurance data of the vehicle; Input the encrypted insurance data into the data management module to perform data identification, and obtain access permission information, security sharing information and insurance backup information of the encrypted insurance data, wherein the access permission information is used to make authorization judgment on user access, and the security sharing information is used to record access records and generate sharing logs for storage; Inputting the insurance backup information into the quality control module for data cleaning and standardization to obtain backup insurance data, and obtaining optimized loss parameters based on the insurance backup information and the backup insurance data; The comprehensive management model is tuned according to the optimized loss parameters to obtain the vehicle insurance data model.

4. The vehicle insurance data model construction method according to claim 3, characterized in that: The step of inputting the current insurance data of the vehicle into the data preprocessing module to obtain encrypted insurance data includes: The current insurance data of the vehicle is encrypted by a data encryption formula to obtain temporary encrypted data, wherein the data encryption formula is as follows: Ciphertext=AES_encrypt(Plaintext,Key), Wherein, Plaintext represents the current insurance data of the vehicle, Key represents the encryption key, Ciphertext represents the temporary encrypted data, and AES_encrypt represents the symmetric encryption algorithm; Checking the personal information in the temporary encrypted data to determine whether the personal information is encrypted; When the personal information is not encrypted, the current insurance data of the vehicle is encrypted again using the data encryption formula; When the personal information has been encrypted, the integrity of the temporary encrypted data is verified by a data verification formula to obtain the encrypted insurance data, wherein the data verification formula is as follows: Signature=Sign(Data_Hash,PrivateKey) Among them, Data_Hash represents the hash value of the temporary encrypted data, PrivateKey represents the private key, Signature represents the digital signature, and Sign represents the algorithm for signing the hash value of the temporary encrypted data using the private key.

5. The vehicle insurance data model construction method according to claim 3, characterized in that: The step of inputting the encrypted insurance data into a data management module, performing data identification, and obtaining access permission information, security sharing information, and insurance backup information of the encrypted insurance data includes: Obtaining an access control list according to the encrypted insurance data, and obtaining access authority information according to the access control list; Acquire a sharing policy and an access control rule, and process the encrypted insurance data according to the sharing policy and the access control rule to obtain the secure sharing information; A storage location and a backup frequency are obtained, and data backup is performed on the encrypted insurance data according to the storage location and the backup frequency to obtain the insurance backup information.

6. The vehicle insurance data model construction method according to claim 3, characterized in that: The step of inputting the insurance backup information into the quality control module for data cleaning and standardization to obtain backup insurance data includes: The insurance backup information is processed by a data cleaning formula to obtain temporary backup data, wherein the data cleaning formula is as follows: CleanedData=f(RawData), Wherein, CleanedData represents the temporary backup data, RawData represents the insurance backup information, and f represents a processing function for data cleaning; The temporary standby data is standardized by a standardized formula to obtain the standby insurance data, wherein the standardized formula is as follows: StandardizedData=(OriginalData-Mean) / StandardDeviation, Among them, StandardizedData represents the backup insurance data, OriginalData represents the temporary backup data, Mean represents the mean of the backup insurance data, and StandardDeviation represents the standard deviation of the backup insurance data.

7. A device for constructing a vehicle insurance data model, characterized in that: include: An acquisition unit, used to acquire historical insurance data and pending insurance data of the insured vehicle; A processing unit, for removing duplicate data and verifying data format of vehicle information and insurance policy information in the historical insurance data and the pending insurance data; A verification unit, configured to match and merge the historical insurance data with the pending insurance data to obtain target insurance data when the data formats of the vehicle information and the insurance policy information corresponding to the historical insurance data and the pending insurance data are consistent; An encryption unit, used for encrypting the target insurance data to obtain current insurance data of the vehicle; The training unit is used to input the current insurance data of the vehicle into the comprehensive management model for training and tuning to obtain a vehicle insurance data model, wherein the vehicle insurance data model is used to obtain backup insurance data.

8. A vehicle insurance data management method, characterized in that: include: Obtain the historical insurance data and pending insurance data of the target vehicle; Inputting the historical insurance data and pending insurance data of the target vehicle into a vehicle insurance data model to obtain the backup insurance data of the target vehicle, wherein the vehicle insurance data model is constructed by the vehicle insurance data model construction method according to any one of claims 1 to 6; The backup insurance data is stored.

9. The vehicle insurance data management method according to claim 8, characterized in that: Also includes: According to the backup insurance data, data analysis and application are performed to obtain a vehicle insurance report, wherein the vehicle insurance report is used to analyze and predict the future probability of accidents and insurance costs of the target vehicle to optimize the vehicle insurance plan.

10. A vehicle insurance data management device, characterized in that: include: An acquisition module is used to obtain the historical insurance data and pending insurance data of the target vehicle; a processing module, used for inputting the historical insurance data and pending insurance data of the target vehicle into a vehicle insurance data model to obtain the backup insurance data of the target vehicle, wherein the vehicle insurance data model is constructed by the vehicle insurance data model construction method according to any one of claims 1 to 6; The storage module is used to store the backup insurance data.

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