Method and device for assisting insurance company vehicle insurance pricing based on vehicle-mounted data

• Main Author: XIA BINGXING
• Format: Patent
• Language: Chinese; English
• Published: 11.12.2020
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention discloses a vehicle insurance pricing method. The vehicle insurance pricing method at least comprises the following steps of S1, obtaining vehicle driving data and corresponding time from a vehicle OBD system or other electronic systems; S2, associating the vehicle driving data and the corresponding time data obtained in the step S1 with vehicle insurance compensation data to obtainkey data influencing vehicle insurance compensation; and S3, converting the key data obtained in the step S2 into one-dimensional parameters for an insurance company internal vehicle insurance pricingmodel, and calculating vehicle insurance pricing by the insurance company. With application of the method of the invention, personalized and accurate pricing of vehicle insurance is realized. 本发明公开了一种车险定价方法，所述车险定价方法至少包括如下步骤：S1：从车辆OBD系统或其他电子系统中获取车辆行驶数据及对应时间；S2：将步骤S1中获得的车辆行驶数据及对应时间数据与车险赔付数据相关联，得出影响车险赔付的关键数据；S3：将步骤S2中得到的关键数据转化为一维参数，用于保险公司内部车险定价模型，并由保险公司计算车险定价。通过本发明方法实现了对车险的个性化和精准化定价。