Vehicle insurance floating rate grade intelligent dynamic adjustment method and system based on multi-dimensional data

Abstract

The invention relates to the technical field of vehicle insurance premium management, and discloses a multi-dimensional data-based vehicle insurance floating rate grade intelligent dynamic adjustment method and system, and the method comprises the steps: carrying out the set division of different vehicle brands and vehicle types, carrying out the set interval rate division, formulating an initial insurance premium, and carrying out the adjustment of a dynamic insurance premium. According to the invention, through integration of multi-dimensional data such as vehicle brands and types, service life, historical accident times and maintenance records, full-process intelligent dynamic adjustment of premium from basic pricing to risk premium adjustment is realized, and mechanical aging and fault risks caused by increase of service life of the vehicle can be reflected; and grading floating can be carried out according to the accident frequency change, so that vehicles with different risk grades can enjoy rate levels matched with the risks of the vehicles.

Description

Technical Field

[0001] The present invention relates to the technical field of vehicle insurance premium management, and in particular to a method and system for intelligent dynamic adjustment of vehicle insurance floating rate levels based on multidimensional data. Background Art

[0002] Vehicle insurance is a financial service product that provides risk sharing and financial compensation for motor vehicle owners. By paying regular premiums and signing a contract with an insurance company, vehicle owners can receive compensation according to the terms of the contract if their vehicle suffers damage due to accidents, theft, natural disasters, or other unexpected events, thereby reducing the financial burden of the accident. Vehicle insurance typically includes mandatory traffic insurance and voluntary commercial insurance. Commercial insurance can cover a variety of risks, including vehicle damage, third-party liability, vehicle theft, glass breakage, and spontaneous combustion. The coverage and compensation amount can be flexibly selected based on the vehicle owner's needs.

[0003] Vehicle insurance pricing is a comprehensive calculation based on risk assessment and loss expectations. Insurance companies collect and analyze extensive historical data, including vehicle type, brand, age, owner driving behavior, past claims history, mileage, and regional risk factors, to assess the probability of an accident and potential compensation for the insured vehicle, thereby determining an appropriate premium level. Furthermore, pricing for different insurance types (such as compulsory traffic insurance, commercial insurance, third-party liability insurance, and vehicle damage insurance) is adjusted based on their respective risk characteristics and regulatory requirements. Premiums also factor in administrative expenses, profit margins, and the competitive market environment.

[0004] Among the many factors that influence vehicle insurance premiums, brand and model, age, mileage, and accident history are the most significant. While existing calculation methods take these factors into account, their categorization is overly complex and intricate, and they lack a tolerance for vehicle accident histories, resulting in irrational vehicle insurance premiums. Summary of the Invention

[0005] In view of the problems existing in the above-mentioned prior art, the purpose of the present invention is to provide a method and system for intelligent dynamic adjustment of vehicle insurance floating rate levels based on multi-dimensional data, so as to reasonably determine vehicle insurance premiums.

[0006] To achieve the above-mentioned objectives, the present invention provides the following technical solution: a method for intelligent dynamic adjustment of vehicle insurance floating rate levels based on multidimensional data, comprising: step 1, forming a set for each brand and model of a vehicle; within each set, dividing the insurance premium into interval rates according to the age range of the vehicle; within each age range, the interval rate is the same, and the interval rate gradually increases as the age range increases; step 2, obtaining the brand and model of the vehicle, assigning it to a corresponding set according to the brand and model; obtaining the age of the vehicle, finding the age range within the corresponding set within which the age range falls, and assigning the corresponding insurance premium to the vehicle according to the interval rate corresponding to the age range; step 3, recording the insurance premium obtained according to steps 1 and 2 as the initial insurance premium, under which condition, obtaining the number of historical accidents of the vehicle, setting a historical accident number threshold, and comparing the number of historical accidents of the vehicle with the historical accident number threshold; if the number of historical accidents is less than or equal to the historical accident number threshold, indicating that the vehicle has had a small number of accidents, the vehicle insurance premium is based on the initial insurance premium; if the number of historical accidents is greater than the historical accident number threshold, indicating that the vehicle has had a large number of accidents, the vehicle insurance premium is subject to floating adjustment based on the initial insurance premium.

[0007] In some embodiments, the insurance premium is floatingly adjusted based on the initial insurance premium by setting a secondary threshold value of the number of historical accidents that is greater than the threshold value of the number of historical accidents. When the number of historical accidents is greater than the threshold value of the number of historical accidents, the number of historical accidents is compared again with the secondary threshold value of the number of historical accidents, and different responses are obtained based on the comparison results.

[0008] In some embodiments, if the number of historical accidents is less than or equal to the secondary threshold of the number of historical accidents, it means that although the number of accidents of the vehicle exceeds the tolerance limit, the degree of excess is not high, and the insurance premium of the vehicle is changed to a second-level insurance premium based on a fixed percentage floating adjustment; if the number of historical accidents is greater than the secondary threshold of the number of historical accidents, it means that the number of accidents of the vehicle not only exceeds the tolerance limit, but also exceeds the degree of excess, and the insurance premium of the vehicle is changed to a third-level insurance premium based on a fixed percentage + an equal-proportion percentage floating adjustment.

[0009] In some embodiments, the second-order insurance premium is calculated by setting a fixed insurance premium increase percentage X. For vehicles whose historical accident count is between the historical accident count threshold and the historical accident count secondary threshold, the insurance premium is uniformly changed to (1+X)×initial insurance premium.

[0010] In some embodiments, the third-tier insurance premium is calculated by setting the percentage of additional premium increase to Y every time the number of historical accidents exceeds the secondary threshold of the number of historical accidents. Under this condition, the insurance premium of the vehicle is equal to (1+X)×initial insurance premium+(historical accident number-historical accident secondary threshold)×Y.

[0011] In some embodiments, when the number of historical accidents is greater than a historical accident number threshold but less than or equal to a secondary threshold of the number of historical accidents, the vehicle's maintenance records are obtained, and the vehicle's maintenance parts are obtained based on the maintenance records. The maintenance parts are divided into main parts and secondary parts, where the main parts include the engine, gearbox and chassis, and the secondary parts include all other parts except the engine, gearbox and chassis. On this basis, the number of main parts repaired is obtained, and it is determined whether the number of main parts repaired is zero, and different responses are made according to the judgment result.

[0012] In some embodiments, if the number of repairs to major components is not zero, indicating that the major components have been repaired, the vehicle's insurance premium is upgraded from the second-level premium to the advanced second-level premium, and the advanced second-level premium is calculated as (1+2X)×initial premium; if the number of repairs to major components is zero, indicating that the major components have not been repaired, the vehicle's insurance premium remains at the second-level premium.

[0013] In some embodiments, when the number of main component repairs is zero, the number of secondary component repairs is further obtained, and at the same time, a threshold value for the number of secondary component repairs is set, and the number of secondary component repairs is compared with the threshold value for the number of secondary component repairs; if the number of secondary component repairs is greater than the threshold value for the number of secondary component repairs, it means that the number of secondary component repairs of the vehicle is large, and the number of main component repairs is regarded as non-zero; if the number of secondary component repairs is less than or equal to the threshold value for the number of secondary component repairs, it means that the number of secondary component repairs is small, and the number of main component repairs is not regarded as non-zero.

[0014] The present invention further provides an intelligent dynamic adjustment system for vehicle insurance floating rate levels based on multi-dimensional data, which is used to execute the above-mentioned method, including: an interval formulation module, which is used to form each brand and model of the vehicle into a set, and in each set, the insurance premium is divided into interval rates according to the age interval of the service life. In each age interval, the interval rate is the same, and the interval rate gradually increases as the age interval increases; a cost matching module, which is used to obtain the brand and model of the vehicle, allocate it to the corresponding set according to the brand and model, and obtain the age of the vehicle, and find the age interval within the corresponding set where the age of the vehicle is located. The corresponding insurance premium is allocated to the vehicle according to the interval rate corresponding to the age interval; the cost adjustment module is used to record the insurance premium obtained in the above module as the initial insurance premium. Under this condition, the number of historical accidents of the vehicle is obtained, and a historical accident number threshold is set. The historical number of accidents of the vehicle is compared with the historical accident number threshold. If the historical accident number is less than or equal to the historical accident number threshold, it means that the vehicle has a small number of accidents, and the insurance premium of the vehicle shall be based on the initial insurance premium; if the historical accident number is greater than the historical accident number threshold, it means that the vehicle has a large number of accidents, and the insurance premium of the vehicle shall be floatingly adjusted based on the initial insurance premium.

[0015] The present invention further provides a computer-readable storage medium storing a computer program, which is executed by a processor to implement the above-mentioned method for intelligent dynamic adjustment of vehicle insurance floating rate levels based on multi-dimensional data.

[0016] Compared with the prior art, the technical solution provided by the present invention has the following beneficial effects: First, the present invention integrates multi-dimensional data such as vehicle brand and model, years of use, number of historical accidents, and maintenance records to achieve intelligent dynamic adjustment of insurance premiums throughout the entire process, from basic pricing to risk premium adjustment. This not only reflects the risks of mechanical aging and failure caused by the increase in vehicle years, but also allows for graded floating adjustments based on changes in accident frequency, thereby ensuring that vehicles of different risk levels enjoy rate levels that match their own risks.

[0017] Secondly, this invention uses a tiered approach to set initial and secondary thresholds based on the number of accidents, and dynamically introduces the dimension of repair parts. This method accurately identifies vehicle accident and repair risks, effectively distinguishing between low-risk and high-risk vehicles. This not only ensures that insurance companies can manage their risks, but also encourages car owners to focus on safe driving and timely maintenance, thereby reducing overall claims risk and accident rates. Furthermore, the tiered adjustment mechanism makes rate adjustments more flexible and precise, avoiding unreasonable rate increases due to individual minor accidents while also providing a corresponding risk premium when the number of accidents significantly exceeds the limit, further enhancing the fairness and dynamic responsiveness of insurance pricing. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] Figure 1 Schematic diagram of the method steps of the present invention; Figure 2 Schematic diagram of the system module of the present invention. DETAILED DESCRIPTION

[0019] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only 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 making creative efforts are within the scope of protection of the present invention.

[0020] It is to be understood that the term "one" should be understood as "at least one" or "one or more", that is, in one embodiment, the number of an element may be one, while in another embodiment, the number of the elements may be multiple, and the term "one" should not be understood as a limitation on the quantity.

[0021] The present invention provides a method for intelligent dynamic adjustment of vehicle insurance floating rate levels based on multi-dimensional data, such as Figure 1 and Figure 2 Shown, including: The first step is to combine vehicle brands and models, forming a set for each brand and model. Within each set, premiums are determined based on the vehicle's brand and model, depending on the age of that brand and model. The premiums are divided into interval rates based on the age range. The age range is divided into multiple intervals: the first, second,..., and Nth years. Within each interval, the interval rate remains the same, and the interval rate gradually increases with age. This yields premiums for different age ranges within different sets. This is primarily because as a vehicle ages, mechanical components wear out and the risk of failure increases, leading to a higher likelihood of accidents and repairs, thus increasing the risk of claims for insurance companies. Furthermore, older vehicles are more expensive to repair and more difficult to replace parts, factors that are reflected in higher premiums. In particular, for damage and theft insurance, older vehicles are more likely to be assessed as high-risk and therefore have higher premiums. However, premiums for statutory insurance policies such as compulsory traffic insurance are not affected by vehicle age but are instead priced based on vehicle type and engine displacement. Therefore, the vehicle insurance premium adjustment proposed in this application does not include statutory insurance types.

[0022] The second step is to obtain the vehicle's brand and model, assign it to the corresponding set based on the brand and model, and then obtain the vehicle's age. Within the corresponding set, find the age range within which the age range falls, and assign the corresponding insurance premium to the vehicle based on the interval rate corresponding to the age range. For example, assuming there are four sets of brand and model, ABCD, first obtain the brand and model of vehicle S, which belongs to set A. Within set A, the age range is divided into 0-5 years, 6-10 years, and over 10 years. The interval rate corresponding to 0-5 years is 500 yuan, the interval rate corresponding to 6-10 years is 700 yuan, and the interval rate corresponding to over 10 years is 1000 yuan. Assuming that vehicle S is 7 years old, its corresponding insurance premium is 700 yuan.

[0023] The third step is to record the insurance premium derived based on the brand, model, and years of use as the initial insurance premium. Under this premise, the number of historical accidents of the vehicle is obtained, and a historical accident threshold is set. The number of historical accidents of the vehicle is compared with the historical accident threshold, and different responses are obtained based on the comparison results. If the number of historical accidents is less than or equal to the historical accident threshold, it means that the vehicle has not had many accidents. In this case, a tolerance limit is given to the vehicle, and the insurance premium should not be increased due to a small number of accidents. Therefore, the insurance premium of the vehicle is based on the initial insurance premium. If the number of historical accidents is greater than the historical accident threshold, it means that the vehicle has had many accidents and exceeded the tolerance limit. In this case, the insurance premium of the vehicle is adjusted based on the initial insurance premium.

[0024] The specific method for adjusting vehicle insurance premiums based on the initial premium is to set a secondary threshold for the number of historical accidents slightly greater than the threshold for the number of historical accidents. When the number of historical accidents exceeds the threshold, the number of historical accidents is compared again with the secondary threshold, and different responses are determined based on the comparison results. If the number of historical accidents is less than or equal to the secondary threshold, the vehicle's accident count has exceeded the tolerance limit, but the degree of excess is not significant. In this case, the vehicle's insurance premium is changed to a second-tier premium based on a fixed percentage floating adjustment. The second-tier premium is calculated by setting a fixed premium increase percentage X. For vehicles with a historical accident count between the threshold and the secondary threshold, the premium is uniformly adjusted to (1 + X) × the initial premium. If the number of historical accidents exceeds the secondary threshold, the vehicle's accident count has not only exceeded the tolerance limit but also exceeded it to a significant degree. In this case, the vehicle's insurance premium is changed to a third-tier premium based on a fixed percentage plus a proportional percentage floating adjustment. The third-tier premium is calculated as follows: Each time the number of accidents exceeds the secondary threshold, the premium increases by a percentage of Y. Under this condition, the vehicle's premium equals (1 + X) × initial premium + (number of accidents - secondary threshold) × Y. For example, vehicle S, belonging to brand and model set A, has a service life of 7 years. Therefore, the initial premium is 700 yuan (corresponding to the 6-10 year range). Based on this, a floating adjustment is made based on the number of accidents. Assume the threshold is set at 2, the secondary threshold is set at 3, the fixed increase percentage X is 20% (i.e., 0.20), and the percentage increase Y for each time the secondary threshold is exceeded is 10% (i.e., 0.10). If the number of historical accidents of vehicle S is 1, which is lower than the threshold of 2, the insurance premium will remain at the initial price of 700 yuan; if the number of historical accidents is 2 (equal to the threshold), the insurance premium will remain unchanged at 700 yuan, indicating that the number of accidents is within the tolerance range; but if the number of historical accidents rises to 3, that is, it exceeds the threshold by 2 times but is equal to the secondary threshold of 3 times, it means that the number of accidents slightly exceeds the tolerance limit, and the vehicle premium will enter the second-order floating adjustment stage, calculated as 700 yuan × (1 + 0.20) = 840 yuan, and the insurance premium will be uniformly increased by 20%, reflecting a moderate risk premium; assuming that the accident Therefore, if the number of times is 4 and exceeds the secondary threshold by 1 time, it will enter the third-order floating adjustment stage, and the insurance premium will be calculated as 700 yuan × (1 + 0.20) + (4-3) × 0.10 × 700 yuan = 840 yuan + 70 yuan = 910 yuan. The premium is increased by an additional 10% on the basis of the second order due to the number of excess times; if the number of accidents is 5 times, the insurance premium will be 700 yuan × 1.20 + (5-3) × 0.10 × 700 yuan = 840 yuan + 140 yuan = 980 yuan, and so on, continuously reflecting the increase in premiums brought about by the higher accident risk of vehicles.This specific example illustrates how this method, based on multi-dimensional data, performs preliminary pricing through brand, model, and years of use, and then adjusts insurance premiums in layers based on the number of historical accidents. This method not only reasonably reflects the basic risk of the vehicle, but also dynamically responds to different degrees of accident risk through segmented second-order and third-order floating mechanisms, achieving accurate and fair pricing of insurance premiums.

[0025] When the number of historical accidents exceeds the historical accident threshold but is less than or equal to the secondary historical accident threshold, the vehicle's maintenance records are obtained. The repaired parts are categorized as major and minor parts. Major parts include the engine, transmission, and chassis, while minor parts include all other parts. Based on this information, the number of repaired major parts is obtained. A determination is made as to whether the number is zero, and different responses are taken based on the result. If the number of repaired major parts is not zero, it indicates that the major part has been repaired. In this case, the vehicle's insurance premium is upgraded from the second-tier premium to the premium of the advanced second-tier premium, calculated as (1 + 2x) × the initial premium. If the number of repaired major parts is zero, it indicates that the major part has not been repaired. In this case, the vehicle's insurance premium remains at the second-tier premium. Based on this, when the number of repaired major parts is zero, the number of repaired minor parts is further obtained. A threshold for the number of repaired minor parts is set, and the number of repaired minor parts is compared with the threshold. Different responses are then determined based on the comparison result. If the number of minor component repairs exceeds the minor component repair threshold, it indicates that the vehicle has undergone a high number of minor component repairs. In this case, the number of major component repairs is considered non-zero. If the number of minor component repairs is less than or equal to the minor component repair threshold, it indicates that the number of minor component repairs is low. In this case, the number of major component repairs is considered non-zero. For example, suppose vehicle S has three historical accidents, which falls between the historical accident threshold of 2 and the secondary threshold of 3. The initial insurance premium is 700 yuan, and the fixed increase percentage X is set to 20% (i.e., 0.20). The vehicle enters the second-stage premium adjustment phase, and the base premium is calculated as 700 × (1 + 0.20) = 840 yuan. At this point, according to the new adjustment method, further access to vehicle S's maintenance records reveals that the repair counts for the three major components of its repair parts (engine, transmission, and chassis) are 0, indicating that the core components have not been repaired. The vehicle's insurance premium is temporarily maintained at 840 yuan. However, to more accurately assess risk, the number of minor component repairs is further calculated. Assuming the number of minor component repairs is 5, and the threshold for minor component repairs is set at 3, since 5 is greater than the threshold of 3, this indicates that the vehicle has undergone a high number of minor component repairs. According to the rules, the number of major component repairs is then considered non-zero, and the vehicle's insurance premium is upgraded from a second-order premium to an advanced second-order premium. The advanced second-order premium is calculated as 700 × (1 + 2 × 0.20) = 700 × 1.40 = 980 yuan, reflecting the increased risk adjustment due to frequent minor component repairs. Conversely, if vehicle S has only 2 minor component repairs, which is less than or equal to the threshold of 3, the number of major component repairs is still considered zero, and the premium remains unchanged at 840 yuan.This adjustment mechanism incorporates the dimension of repair parts into the dynamic adjustment of rates based on the number of accidents, and achieves more scientific and fair risk pricing of insurance premiums through detailed judgments on the repair status of core and non-core parts.

[0026] This application proposes an intelligent dynamic adjustment method for vehicle insurance floating rate tiers based on multidimensional data. By comprehensively analyzing vehicle brand and model, age, and historical accident count, it achieves precise, tiered adjustments to insurance premiums. After determining the premium intervals for a set of brands and models and their corresponding age intervals, an initial premium is assigned based on the vehicle's specific age, reflecting the baseline risk level. Subsequently, using the number of historical accidents as a key risk indicator, multiple thresholds are set for tiered adjustments. If the number of accidents does not exceed the initial threshold, the premium remains unchanged, reflecting tolerance for minor risks. If the number of accidents falls between the initial and secondary thresholds, the premium enters a second-order floating adjustment phase, increasing by a fixed percentage to reflect a risk premium. If the number of accidents exceeds the secondary threshold, a third-order adjustment is implemented, increasing the premium incrementally based on the second-order number of accidents, strengthening risk control. Furthermore, this method incorporates in-depth analysis of vehicle maintenance records, categorizing repairable components into core components (engine, transmission, chassis) and secondary components. This move makes vehicle maintenance the basis for a second, more refined assessment during the second-order adjustment phase: if a major component is repaired, it indicates a potentially significant risk to the core system, and the insurance premium will be upgraded to a higher-level second-order premium, adjusted at a double growth rate. If no major component is repaired, the number of minor component repairs is compared with a set threshold. Frequent minor component repairs are treated as if major component repairs were present, and the insurance premium is also upgraded; otherwise, the second-order premium level is maintained. This mechanism effectively prevents risk assessment bias caused by relying solely on the number of accidents. Through comprehensive judgment based on multi-dimensional data, it achieves systematic quantification of basic vehicle attributes, historical risk behavior, and maintenance quality.

[0027] In the embodiments disclosed herein, the processes described above with reference to the flowcharts can be implemented as computer software programs. The embodiments disclosed herein include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for executing the method illustrated in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via a communication component and / or installed from removable media. When the computer program is executed by a central processing unit, the functions defined in the methods of this application are performed. It should be noted that the computer-readable medium referred to herein can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. Computer-readable storage media can be, for example, but not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or components, or any combination thereof. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more wire segments, a portable computer disk, a hard disk, random access memory, read-only memory, erasable programmable read-only memory, optical fiber, a portable compact disk read-only memory, an optical storage device, a magnetic storage device, or any suitable combination thereof. In this application, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. Furthermore, in this application, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transfer a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium may be transmitted using any suitable medium, including but not limited to wireless, electrical, optical, RF, or any suitable combination thereof.

[0028] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of the systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or portion of code that contains one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions marked in the boxes can also occur in an order different from that marked in the accompanying drawings. For example, two boxes shown in succession can actually be executed substantially in parallel, or they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flowchart, as well as combinations of boxes in the block diagram and / or flowchart, can be implemented using a dedicated hardware-based system that performs the specified functions or operations, or can be implemented using a combination of dedicated hardware and computer instructions.

[0029] Those skilled in the art should understand that the above is only a specific implementation method of the present application, but the scope of protection of the present application is not limited thereto. Any technician familiar with this technical field can easily think of changes or replacements within the technical scope disclosed in the present application, which should be covered by the scope of protection of the present application.

Claims

1. A method for intelligent dynamic adjustment of vehicle insurance floating rate levels based on multidimensional data, characterized in that: include: Step 1: Each brand and model of vehicle is formed into a set. In each set, the insurance premium is divided into interval rates according to the age range of the vehicle. Within each age range, the interval rate is the same, and the interval rate gradually increases as the age range increases. Step 2: Get the brand and model of the vehicle, assign it to the corresponding set based on the brand and model, and then get the age of the vehicle. Find the age range within the corresponding set and assign the corresponding insurance premium to the vehicle based on the interval rate corresponding to the age range. Step 3: Record the insurance premium obtained in Steps 1 and 2 as the initial insurance premium. Under this condition, obtain the number of historical accidents of the vehicle and set a historical accident number threshold. Compare the number of historical accidents of the vehicle with the historical accident number threshold. If the number of historical accidents is less than or equal to the historical accident number threshold, it means that the vehicle has had a small number of accidents, and the insurance premium of the vehicle shall be based on the initial insurance premium. If the number of historical accidents is greater than the historical accident number threshold, it means that the vehicle has had many accidents, and the vehicle's insurance premium will be adjusted based on the initial insurance premium.

2. The intelligent dynamic adjustment method for vehicle insurance floating rate levels based on multidimensional data according to claim 1 is characterized in that: The way to make floating adjustments to insurance premiums based on the initial insurance premiums is to set a secondary threshold for the number of historical accidents that is greater than the threshold for the number of historical accidents. When the number of historical accidents is greater than the threshold for the number of historical accidents, the number of historical accidents is compared again with the secondary threshold for the number of historical accidents, and different responses are obtained based on the comparison results.

3. The intelligent dynamic adjustment method for vehicle insurance floating rate levels based on multidimensional data according to claim 2 is characterized in that: If the number of historical accidents is less than or equal to the secondary threshold of the number of historical accidents, it means that although the number of accidents of the vehicle exceeds the tolerance limit, the degree of excess is not high, and the insurance premium of the vehicle is changed to a second-level insurance premium based on a fixed percentage floating adjustment; if the number of historical accidents is greater than the secondary threshold of the number of historical accidents, it means that the number of accidents of the vehicle not only exceeds the tolerance limit, but also exceeds the degree of excess, and the insurance premium of the vehicle is changed to a third-level insurance premium based on a fixed percentage + an equal-proportion percentage floating adjustment.

4. The intelligent dynamic adjustment method for vehicle insurance floating rate levels based on multidimensional data according to claim 3 is characterized in that: The second-order insurance premium is calculated by setting a fixed insurance premium increase percentage X. For vehicles whose historical accident number is between the historical accident number threshold and the historical accident number secondary threshold, the insurance premium is uniformly changed to (1+X)×initial insurance premium.

5. The intelligent dynamic adjustment method for vehicle insurance floating rate levels based on multidimensional data according to claim 3 is characterized in that: The calculation method for the third-level insurance premium is to set the percentage of additional premium increase to Y every time the number of historical accidents exceeds the secondary threshold of historical accidents. Under this condition, the insurance premium of the vehicle is equal to (1+X)×initial insurance premium+(historical accident number-historical accident secondary threshold)×Y.

6. The intelligent dynamic adjustment method for vehicle insurance floating rate levels based on multi-dimensional data according to claim 3 is characterized in that: When the number of historical accidents is greater than the historical accident number threshold but less than or equal to the secondary threshold of the historical accident number, the vehicle maintenance record is obtained, and the vehicle maintenance parts are obtained based on the maintenance record. The maintenance parts are divided into main parts and secondary parts. Among them, the main parts include the engine, gearbox and chassis, and the secondary parts include all other parts except the engine, gearbox and chassis. On this basis, the number of main parts repaired is obtained, and it is determined whether the number of main parts repaired is zero, and different responses are made according to the judgment results.

7. The intelligent dynamic adjustment method for vehicle insurance floating rate levels based on multi-dimensional data according to claim 6 is characterized in that: If the number of major component repairs is not zero, it means that the major component has been repaired, and the vehicle's insurance premium will be upgraded from the second-level insurance premium to the advanced second-level insurance premium. The calculation method of the advanced second-level insurance premium is (1+2X)×initial insurance premium; if the number of major component repairs is zero, it means that the major component has not been repaired, and the vehicle's insurance premium will remain at the second-level insurance premium.

8. The intelligent dynamic adjustment method for vehicle insurance floating rate levels based on multi-dimensional data according to claim 7 is characterized in that: When the number of major component repairs is zero, the number of minor component repairs is further obtained. At the same time, a threshold value for the number of minor component repairs is set, and the number of minor component repairs is compared with the threshold value for the number of minor component repairs. If the number of minor component repairs is greater than the threshold value for the number of minor component repairs, it means that the number of minor component repairs on the vehicle is large, and the number of major component repairs is regarded as non-zero. If the number of minor component repairs is less than or equal to the threshold value for the number of minor component repairs, it means that the number of minor component repairs is small, and the number of major component repairs is not regarded as non-zero.

9. An intelligent dynamic adjustment system for vehicle insurance floating rate levels based on multidimensional data, which is used to execute the method according to any one of claims 1 to 8, characterized in that: include: The interval setting module is used to form a group for each brand and model of vehicles. Under each group, the insurance premium is divided into interval rates according to the age interval. Within each age interval, the interval rate is the same, and the interval rate gradually increases as the age interval increases; The cost matching module is used to obtain the brand and model of the vehicle, assign it to the corresponding collection based on the brand and model, obtain the age of the vehicle, find the age range within the corresponding collection, and allocate the corresponding insurance premium to the vehicle based on the interval rate corresponding to the age range; A cost adjustment module is used to record the insurance premium obtained in the above module as the initial insurance premium. Under this condition, the number of historical accidents of the vehicle is obtained and a historical accident number threshold is set. The historical accident number of the vehicle is compared with the historical accident number threshold. If the historical accident number is less than or equal to the historical accident number threshold, it means that the vehicle has had a small number of accidents, and the insurance premium of the vehicle is based on the initial insurance premium. If the number of historical accidents is greater than the historical accident number threshold, it means that the vehicle has had many accidents, and the vehicle's insurance premium will be adjusted based on the initial insurance premium.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and the computer program is executed by a processor to implement the method for intelligent dynamic adjustment of vehicle insurance floating rate levels based on multidimensional data as described in any one of claims 1 to 8.

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