A car insurance intelligent engineering system and method

Abstract

The present application provides an intelligent engineering system and method for auto insurance, which includes: a call sequence configuration module for arranging the call sequence of the third-party system; an interface call configuration module for matching the configuration according to the insured vehicle information and deciding whether to call the third-party system; a data request configuration module for configuring the third-party system access process; a data parsing and conversion cleaning configuration module for automatically parsing the return parameters and performing format conversion and data cleaning through configuration. In the above technical solution, the full process of accessing the third-party system is configured and zero-code development is achieved, which saves development and docking time for insurance companies to efficiently apply third-party system data, and at the same time uses third-party system vehicle information to reduce risks and improve the accuracy and efficiency of underwriting decisions.

Description

Background Art

[0002] In the process of auto insurance underwriting, accurate acquisition and evaluation of vehicle information is crucial. In traditional methods, insurance companies need to spend a lot of time and resources to collect, organize and analyze vehicle information, which is not only inefficient, but also difficult to ensure the accuracy and completeness of the information. With the development of information technology, third-party vehicle information platforms have emerged, providing insurance companies with convenient and efficient vehicle information query and scoring services. However, how to efficiently call third-party systems to obtain vehicle information scores and perform customized coefficient matching and adjustment based on the scoring information has become a problem that needs to be solved in the current auto insurance underwriting industry. Summary of the invention

[0003] The present application provides an intelligent engineering system and method for automobile insurance, which is used to provide insurance companies with convenient and accurate vehicle information processing and underwriting decision support.

[0004] In a first aspect, an intelligent engineering system for auto insurance is provided, comprising:

[0005] The call sequence configuration module is used to arrange the call sequence of the third-party system;

[0006] The interface calls the configuration module, which is used to match the configuration according to the insured vehicle information and decide whether to call the third-party system;

[0007] Data request configuration module, used to configure the third-party system access process;

[0008] The data parsing, conversion and cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration.

[0009] In the above technical scheme, a call sequence configuration module is set up to arrange the call sequence of the third-party system; an interface call configuration module is used to match the configuration according to the insured vehicle information and decide whether to call the third-party system; a data request configuration module is used to perform the third-party system access process through configuration; a data parsing and conversion cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration; the whole process of accessing the third-party system is configured and zero-code development is realized, which saves development and docking time for insurance companies to efficiently apply third-party system data, and at the same time uses third-party system vehicle information to reduce risks and improve the accuracy and efficiency of underwriting decisions.

[0010] In a specific embodiment, it also includes:

[0011] The custom coefficient matching and adjustment module is used to divide the coefficient configuration model according to the third-party system code value.

[0012] In a specific embodiment, it also includes:

[0013] The cache processing and data update module is used to perform cache processing and data update through configuration.

[0014] In a specific embodiment, it also includes:

[0015] The statistical indicator configuration module is used to summarize the amount and proportion of data called from third-party systems.

[0016] In a specific embodiment, it also includes:

[0017] The exception handling and logging module is used to configure the exception handling mechanism and record log information.

[0018] In a specific implementation scheme, the auto insurance intelligent engineering system adopts a microservice architecture.

[0019] In a second aspect, a method for intelligent engineering of auto insurance is provided, comprising the following steps:

[0020] Use the call sequence configuration module to arrange the third-party system call sequence;

[0021] Use the interface to call the configuration module to match the configuration according to the insured vehicle information and decide whether to call the third-party system;

[0022] Use the data request configuration module to configure the third-party system access process;

[0023] The data parsing, conversion and cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration.

[0024] In the above technical scheme, a call sequence configuration module is set up to arrange the call sequence of the third-party system; an interface call configuration module is used to match the configuration according to the insured vehicle information and decide whether to call the third-party system; a data request configuration module is used to perform the third-party system access process through configuration; a data parsing and conversion cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration; the whole process of accessing the third-party system is configured and zero-code development is realized, which saves development and docking time for insurance companies to efficiently apply third-party system data, and at the same time uses third-party system vehicle information to reduce risks and improve the accuracy and efficiency of underwriting decisions.

[0025] In a specific embodiment, it also includes:

[0026] The coefficient configuration model is divided according to the third-party system code value using the custom coefficient matching and adjustment module.

[0027] In a specific embodiment, it also includes:

[0028] The cache processing and data update module is used to perform cache processing and data update through configuration.

[0029] In a specific embodiment, it also includes:

[0030] Use the statistical indicator configuration module to summarize the amount and proportion of data called from third-party systems;

[0031] Use the exception handling and logging modules to configure exception handling mechanisms and record log information. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] Figure 1 A structural block diagram of the intelligent engineering system for auto insurance provided in the embodiment of the present application;

[0033] Figure 2 A flowchart of the intelligent engineering method for auto insurance provided in the embodiment of the present application;

[0034] Figure 3 A flowchart of a smart engineering calling a third-party matching system provided in an embodiment of the present application;

[0035] Figure 4 A diagram of the model coefficient cache configuration analysis provided in an embodiment of the present application. DETAILED DESCRIPTION

[0036] The present application is further described in detail below through the accompanying drawings and embodiments. Through these descriptions, the characteristics and advantages of the present application will become clearer and more specific.

[0037] The word "exemplary" is used exclusively herein to mean "serving as an example, embodiment, or illustration." Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. Although various aspects of the embodiments are shown in the drawings, the drawings are not necessarily drawn to scale unless otherwise noted.

[0038] In addition, the technical features involved in different embodiments of the present application described below can be combined with each other as long as they do not conflict with each other.

[0039] To facilitate understanding of the intelligent engineering system and method for auto insurance provided by the embodiment of the present application, its application scenario is first explained. The intelligent engineering system and method for auto insurance provided by the embodiment of the present application are used to provide convenient and accurate vehicle information processing and underwriting decision support for insurance companies. In the process of auto insurance underwriting, accurate acquisition and evaluation of vehicle information are crucial. In the traditional way, insurance companies need to spend a lot of time and resources to collect, organize and analyze vehicle information, which is not only inefficient, but also difficult to ensure the accuracy and completeness of the information. With the development of information technology, third-party vehicle information platforms have emerged, providing insurance companies with convenient and efficient vehicle information query and scoring services. However, how to efficiently call a third-party system to obtain vehicle information scores, and match and adjust custom coefficients based on the scoring information, has become a problem that needs to be solved urgently in the current auto insurance underwriting industry. For this reason, the embodiment of the present application provides an intelligent engineering system and method for auto insurance, which provides insurance companies with convenient and accurate vehicle information processing and underwriting decision support. The following is a detailed description of the embodiments in conjunction with specific drawings.

[0040] refer to Figures 1 to 4 , Figure 1 A structural block diagram of the intelligent engineering system for auto insurance provided in the embodiment of the present application; Figure 2 A flowchart of the intelligent engineering method for auto insurance provided in the embodiment of the present application; Figure 3 A flowchart of a smart engineering calling a third-party matching system provided in an embodiment of the present application; Figure 4 A diagram of the model coefficient cache configuration analysis provided in an embodiment of the present application.

[0041] exist Figure 1 In the embodiment of the present application, a car insurance intelligent engineering system is provided, including:

[0042] The call sequence configuration module is used to arrange the call sequence of the third-party system;

[0043] The interface calls the configuration module, which is used to match the configuration according to the insured vehicle information and decide whether to call the third-party system;

[0044] Data request configuration module, used to configure the third-party system access process;

[0045] The data parsing, conversion and cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration.

[0046] In the above technical scheme, a call sequence configuration module is set up to arrange the call sequence of the third-party system; an interface call configuration module is used to match the configuration according to the insured vehicle information and decide whether to call the third-party system; a data request configuration module is used to perform the third-party system access process through configuration; a data parsing and conversion cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration; the whole process of accessing the third-party system is configured and zero-code development is realized, which saves development and docking time for insurance companies to efficiently apply third-party system data, and at the same time uses third-party system vehicle information to reduce risks and improve the accuracy and efficiency of underwriting decisions.

[0047] In a specific embodiment, it also includes:

[0048] The custom coefficient matching and adjustment module is used to divide the coefficient configuration model according to the third-party system code value.

[0049] In a specific embodiment, it also includes:

[0050] The cache processing and data update module is used to perform cache processing and data update through configuration.

[0051] In a specific embodiment, it also includes:

[0052] The statistical indicator configuration module is used to summarize the amount and proportion of data called from third-party systems.

[0053] In a specific embodiment, it also includes:

[0054] The exception handling and logging module is used to configure the exception handling mechanism and record log information.

[0055] In a specific implementation scheme, the auto insurance intelligent engineering system adopts a microservice architecture.

[0056] Specifically, refer to Figure 3 and Figure 4 The auto insurance intelligent engineering system is a general configuration framework designed based on microservice technology. It can call third-party systems to obtain vehicle information through configuration, realize automatic parsing based on different third-party systems through caching technology, and finally realize weighted processing of risk costs through data configuration. It includes:

[0057] 1. Calling the Sequence Configuration Module

[0058] Car insurance quotes involve calling multiple third-party systems to obtain data, and the order of third-party system calls can be arranged through configuration.

[0059] 2. Interface call configuration module

[0060] Configuration determines whether to call a third-party system: The configuration is matched according to the insured vehicle information to determine whether to call a third-party system. The configuration consists of multiple factors, such as organization, channel, vehicle type, etc., which can be freely combined.

[0061] 3. Data Request Configuration Module

[0062] The insurance company's new access to the third-party system implements the access process through configuration. The request to the third-party system parameters is implemented according to the request address, type, and parameter configuration. The request content includes key information such as the vehicle identification number (VIN) and license plate number.

[0063] 4. Data analysis and conversion cleaning configuration module

[0064] After the insurance company receives the data returned by the third-party system, it automatically parses the returned parameters and performs format conversion and data cleansing through configuration, extracts key information, and unifies the object format.

[0065] 5. Custom coefficient matching and adjustment module

[0066] 1. Divide the coefficient configuration model according to the third-party system code value.

[0067] 2. Each model has multiple dimensions (such as institutions, types of insurance, channels, etc.), which can be freely combined.

[0068] 3. All models and dimensions are freely configurable. Through data configuration and automated parsing, the risk factor of a certain clause will be obtained only when the order information hits all configurations.

[0069] 4. There are many aspects to the division of complex dimensions, such as the upper and lower limits of tonnage and the upper and lower limits of scores. Different coefficients are obtained by combining different tonnage and different scores. Another example is the combination of vehicle type, new and old cars, and upper and lower limits of scores. To hit the same vehicle type, new and old cars, and interval scores, these are comprehensive considerations for underwriting costs. Intelligent auto insurance engineering has realized the configuration of dimensions.

[0070] 5. The coefficient configuration is imported and exported through the page. It will not take effect immediately after import. You can schedule the effective time to make it automatically take effect or manually process it to make the configuration take effect immediately.

[0071] 6. Cache processing and data update module

[0072] 1. Design a cache mechanism to give priority to using cached data for repeated quotes for the same vehicle within a period of time.

[0073] 2. The matching cache is configured, and multiple factor values ​​are combined and spliced ​​into a unique identifier. The quotation information is cached and matched according to the identifier composed of the configuration factors.

[0074] 3. The cache expiration time is configurable, and different third-party systems can have different configurations.

[0075] 4. Provide page operation function to delete qualified cache data according to the third-party system name, organization, and date, or directly delete the cache data of a specified vehicle according to the frame number.

[0076] 7. Statistical indicator configuration module

[0077] On T+1 day, the data volume and proportion of the third-party system are automatically summarized and counted, and statistical reports of various dimensions are realized through configuration. The summary results are sent to designated personnel through the configured mailbox.

[0078] 8. Exception handling and logging module

[0079] 1. Design an exception handling mechanism during data request, response, parsing and scoring, including exception capture, processing and setting of bottom-line coefficient configuration and other steps.

[0080] 2. Configure abnormal information to push alerts via email and corporate WeChat, so that you can understand the system operation status in a timely manner.

[0081] 3. Record log information for subsequent analysis and troubleshooting.

[0082] In the above technical solution, the intelligent auto insurance project calls on the third-party system to be generalized, configured, and parsed automatically, adopts a microservice architecture, and achieves millisecond-level computing. Insurance companies can achieve full-process configuration and zero-code development of access to third-party systems, which saves development and docking time for insurance companies to efficiently apply third-party system data. At the same time, the vehicle information of the third-party system is used to reduce risks and improve the accuracy and efficiency of underwriting decisions.

[0083] exist Figure 2 In the embodiment of the present application, a method for intelligent engineering of auto insurance is provided, comprising the following steps:

[0084] Use the call sequence configuration module to arrange the third-party system call sequence;

[0085] Use the interface to call the configuration module to match the configuration according to the insured vehicle information and decide whether to call the third-party system;

[0086] Use the data request configuration module to configure the third-party system access process;

[0087] The data parsing, conversion and cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration.

[0088] In the above technical scheme, a call sequence configuration module is set up to arrange the call sequence of the third-party system; an interface call configuration module is used to match the configuration according to the insured vehicle information and decide whether to call the third-party system; a data request configuration module is used to perform the third-party system access process through configuration; a data parsing and conversion cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration; the whole process of accessing the third-party system is configured and zero-code development is realized, which saves development and docking time for insurance companies to efficiently apply third-party system data, and at the same time uses third-party system vehicle information to reduce risks and improve the accuracy and efficiency of underwriting decisions.

[0089] In a specific embodiment, it also includes:

[0090] The coefficient configuration model is divided according to the third-party system code value using the custom coefficient matching and adjustment module.

[0091] In a specific embodiment, it also includes:

[0092] The cache processing and data update module is used to perform cache processing and data update through configuration.

[0093] In a specific embodiment, it also includes:

[0094] Use the statistical indicator configuration module to summarize the amount and proportion of data called from third-party systems;

[0095] Use the exception handling and logging modules to configure exception handling mechanisms and record log information.

[0096] In a specific embodiment, reference Figure 3 and Figure 4 , the auto insurance intelligent engineering method comprises the following steps:

[0097] Step 1: Support importing configuration data through Excel, including third-party system call addresses, parameter format conversion and parsing mapping, call sequence, switches, coefficient configuration, cache time configuration, etc.

[0098] Step 2: Convert the configuration data from Chinese to English and convert it into a code value that the system can recognize.

[0099] Step 3: After importing the database, the data is loaded into the memory cache according to different types when the program starts.

[0100] Step 4: Organize and call all the input parameters required by all third-party systems based on the underwriting information (vehicle information, policyholder / insured information, insurance type information, etc.), and call the intelligent engineering interface for calculation.

[0101] Step 5: After receiving the request, the intelligent engineering parses the data and matches the set of third-party system code values ​​that need to be called for this quotation according to the cache configuration.

[0102] Step 6: Traverse and process the call to the third-party system set, and match the current vehicle quotation according to the configuration to see if there is cached data in the database. If there is cached data, use the configuration data cached in the database; if not, call the third-party system interface to obtain the vehicle rating information.

[0103] Step 7: Get the coefficient cache set based on the three-party code value, organization and risk type, traverse the set, and match all dimensions involved in the current configuration. If all dimension follow-up values ​​are met, take the current configuration coefficient.

[0104] Step 8: After traversing the third-party system, calculate the final adjustment coefficient for each insurance type based on the weighted processing of the insurance type. Store the third-party data, matching results, call records and other information involved in this matching process in the database.

[0105] Step 9: Check whether there are any abnormalities in the entire calculation process. The abnormal information will be pushed via email or corporate WeChat, and corresponding processing will be carried out.

[0106] Step 10: The core system calculates the latest risk cost based on the insurance type adjustment coefficient.

[0107] Step 11: Scheduled tasks, which periodically execute verification to see if cached data in the database has expired, and delete expired cached data in a timely manner.

[0108] In the above technical solution, the full process of access to the third-party system is configured and developed without code, which helps insurance companies save development and docking time by efficiently applying the third-party system data. At the same time, the vehicle information of the third-party system is used to reduce risks and improve the accuracy and efficiency of underwriting decisions.

[0109] Those skilled in the art will appreciate that the present application may be implemented as a system, method or computer program product.

[0110] Therefore, the present disclosure may be specifically implemented in the following forms, namely: it may be completely hardware, it may be completely software (including firmware, resident software, microcode, etc.), or it may be a combination of hardware and software, generally referred to herein as a "circuit", "module" or "system". In addition, in some embodiments, the present application may also be implemented in the form of a computer program product in one or more computer-readable media, and the computer-readable medium may contain computer-readable program code.

[0111] Any combination of one or more computer-readable media can be used. Computer-readable media can be computer-readable signal media or computer-readable storage media. Computer-readable storage media can be, for example, but not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or devices, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: electrical connections with one or more wires, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this document, computer-readable storage media can be any tangible medium containing or storing a program, which can be used by an instruction execution system, device or device or used in combination with it.

[0112] Although the embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and cannot be understood as limiting the present application. A person of ordinary skill in the art can change, modify, replace and modify the above embodiments within the scope of the present application. On this basis, a variety of replacements and improvements can be made to the present application, all of which fall within the scope of protection of the present application.

Claims

1. An intelligent engineering system for auto insurance, characterized in that: include: The call sequence configuration module is used to arrange the call sequence of the third-party system; The interface calls the configuration module, which is used to match the configuration according to the insured vehicle information and decide whether to call the third-party system; Data request configuration module, used to configure the third-party system access process; The data parsing, conversion and cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration.

2. The intelligent engineering system for auto insurance according to claim 1, characterized in that: Also includes: The custom coefficient matching and adjustment module is used to divide the coefficient configuration model according to the third-party system code value.

3. The intelligent engineering system for automobile insurance according to claim 2 is characterized in that: Also includes: The cache processing and data update module is used to perform cache processing and data update through configuration.

4. The intelligent engineering system for automobile insurance according to claim 3 is characterized in that: Also includes: The statistical indicator configuration module is used to summarize the amount and proportion of data called from third-party systems.

5. The intelligent engineering system for automobile insurance according to claim 4 is characterized in that: Also includes: The exception handling and logging module is used to configure the exception handling mechanism and record log information.

6. The intelligent engineering system for automobile insurance according to claim 5 is characterized in that: The auto insurance intelligent engineering system adopts a microservice architecture.

7. A method for intelligent engineering of auto insurance, characterized in that: The following steps are involved: Use the call sequence configuration module to arrange the third-party system call sequence; Use the interface to call the configuration module to match the configuration according to the insured vehicle information and decide whether to call the third-party system; Use the data request configuration module to configure the third-party system access process; The data parsing, conversion and cleaning configuration module is used to automatically parse the return parameters and perform format conversion and data cleaning through configuration.

8. The intelligent engineering method for automobile insurance according to claim 7, characterized in that: Also includes: The coefficient configuration model is divided according to the third-party system code value using the custom coefficient matching and adjustment module.

9. The intelligent engineering method for automobile insurance according to claim 8, characterized in that: Also includes: The cache processing and data update module is used to perform cache processing and data update through configuration.

10. The intelligent engineering method for automobile insurance according to claim 9, characterized in that: Also includes: Use the statistical indicator configuration module to summarize the amount and proportion of data called from third-party systems; Use the exception handling and logging modules to configure exception handling mechanisms and record log information.

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