CN-122023019-A - Vehicle risk assessment method, device, electronic equipment and storage medium

CN122023019ACN 122023019 ACN122023019 ACN 122023019ACN-122023019-A

Abstract

The application provides a vehicle risk assessment method, a device, electronic equipment and a storage medium, wherein the method comprises the steps of acquiring first data, wherein the first data comprises information of multiple dimensions of interaction between a vehicle and network equipment in the driving process; and carrying out vehicle risk assessment based on the multi-dimensional features. The method provided by the application is beneficial to improving the assessment quality of the vehicle risk, so that the vehicle risk assessment result can more truly reflect the actual risk level of the vehicle.

Inventors

Hu Senyi
Guan Tailu
SUN YANBIN
AN ZHIYUAN
ZHANG HE
SHEN WEICHAO
SHENG PENGFEI

Assignees

联通智网科技股份有限公司

Dates

Publication Date: 20260512
Application Date: 20251224

Claims (10)

1. A vehicle risk assessment method, the method comprising: Acquiring first data, wherein the first data comprises information of multiple dimensions of interaction between a vehicle and network equipment in a driving process; Determining a multi-dimensional feature based on the first data; and carrying out vehicle risk assessment based on the multidimensional features.
2. The method of claim 1, wherein the multi-dimensional features include at least driving behavior related features of the user at different time periods.
3. The method of claim 1, wherein the acquiring the first data comprises: periodically acquiring first data; the vehicle risk assessment based on the multi-dimensional features comprises: And carrying out vehicle risk assessment based on the periodically determined multi-dimensional features, wherein the periodically determined multi-dimensional features are determined by the periodically acquired first data.
4. The method of claim 1, wherein the vehicle risk assessment based on the multi-dimensional features comprises: inputting the multidimensional features into a vehicle risk assessment model for vehicle risk assessment; The vehicle risk assessment value is used for representing a mapping relation between the vehicle risk assessment value and the multi-dimensional feature, and the mapping relation comprises a linear relation between the vehicle risk assessment value and the multi-dimensional feature.
5. The method of claim 4, wherein the mapping relationship further comprises an intercept term and a random error term.
6. The method of claim 4, wherein the linear relationship comprises coefficients corresponding to the multi-dimensional features, the risk assessment model updating the coefficients through training.
7. The method according to any of claims 1-6, wherein the first data comprises at least an international mobile subscriber identity, IMSI, a vehicle location time, a vehicle location, a network equipment identity.
8. A vehicle risk assessment device, the device comprising: The system comprises an acquisition module, a control module and a control module, wherein the acquisition module is used for acquiring first data, and the first data comprises information of multiple dimensions of interaction between a vehicle and network equipment in the driving process; a determination module for determining a multi-dimensional feature based on the first data; and the evaluation module is used for carrying out vehicle risk evaluation based on the multidimensional characteristics.
9. An electronic device comprising a processor and a memory, the memory being configured to store a program, the processor being configured to execute the program to implement the vehicle risk assessment method according to any one of claims 1-7.
10. A readable storage medium, characterized in that the readable storage medium stores a program which, when run on an electronic device, implements the vehicle risk assessment method according to any one of claims 1-7.

Description

Vehicle risk assessment method, device, electronic equipment and storage medium Technical Field The present application relates to the field of vehicle insurance, and in particular, to a vehicle risk assessment method, apparatus, electronic device, and storage medium. Background For traditional vehicle insurance assessment, insurance companies rely primarily on the risk of the insured vehicle for assessment of the amount of the risk. Meanwhile, the attributes of the vehicle, such as the vehicle type, the vehicle age, the configuration and the like, and the personal attributes of the vehicle owner, such as the age, the driving age, the number of violations and the like, are also important evaluation reference factors. For example, some high-end luxury vehicles are often disadvantageous in vehicle risk assessment due to high maintenance costs, and longer-service vehicles are also subject to assessment due to increased risk of mechanical component degradation and failure. Young drivers have a relatively high probability of accident due to inexperience, which makes them also disadvantageous in vehicle risk assessment. Therefore, when the vehicle risk assessment is performed on the data with the single dimension, the quality of the obtained vehicle risk assessment result is poor, and the requirements of users cannot be met. Disclosure of Invention The embodiment of the application provides a vehicle risk assessment method, a device, electronic equipment and a storage medium, which are beneficial to improving the assessment quality of vehicle risk, so that the vehicle risk assessment result can more truly reflect the actual risk level of a vehicle. In a first aspect, an embodiment of the application provides a vehicle risk assessment method, which comprises the steps of obtaining first data, determining a multi-dimensional feature based on the first data, and carrying out vehicle risk assessment based on the multi-dimensional feature, wherein the first data comprises information of multiple dimensions of interaction with network equipment in a running process of a vehicle. In one possible implementation, the multi-dimensional features include at least driving behavior related features of the user at different time periods. In one possible implementation manner, the acquiring the first data comprises periodically acquiring the first data, and the performing vehicle risk assessment based on the multi-dimensional features comprises performing vehicle risk assessment based on the periodically determined multi-dimensional features, wherein the periodically determined multi-dimensional features are determined by the periodically acquired first data. In one possible implementation manner, the vehicle risk assessment based on the multi-dimensional feature comprises the step of inputting the multi-dimensional feature into a vehicle risk assessment model for vehicle risk assessment, wherein the vehicle risk assessment model is used for representing a mapping relation between a vehicle risk assessment value and the multi-dimensional feature, and the mapping relation comprises a linear relation between the vehicle risk assessment value and the multi-dimensional feature. In one possible implementation manner, the mapping relationship further includes an intercept term and a random error term. In one possible implementation manner, the linear relation includes a coefficient corresponding to the multidimensional feature, and the vehicle risk assessment model updates the coefficient through training. In one possible implementation manner, the first data includes at least an international mobile subscriber identity IMSI, a vehicle location time, a vehicle location, and a network equipment identity. In a second aspect, an embodiment of the present application provides a vehicle risk assessment device, including one or more functional modules, where the one or more functional modules are configured to perform the vehicle risk assessment method according to the first aspect. In a third aspect, an embodiment of the present application provides an electronic device, including a processor and a memory, where the memory is configured to store a program, and the processor is configured to run the program to implement the vehicle risk assessment method according to the first aspect. In a fourth aspect, an embodiment of the present application provides a readable storage medium having a program stored therein, which when run on an electronic device, causes the electronic device to implement the vehicle risk assessment method according to the first aspect. In a fifth aspect, an embodiment of the present application provides a program, which when executed on a processor of an electronic device, causes the electronic device to execute the vehicle risk assessment method according to the first aspect. In one possible design, the program in the fifth aspect may be stored in whole or in part on a storage medium packaged with the processor, or in