CN108961086A - A kind of early warning analysis method and system of vehicle insurance fraud - Google Patents
A kind of early warning analysis method and system of vehicle insurance fraud Download PDFInfo
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Abstract
The invention discloses a kind of early warning analysis method and system of vehicle insurance fraud, comprising: when receiving Transaction Information, obtains location information；When the location information of acquisition is compared with location information in default route；The insurance fraud rate of the first user is calculated according to the result of comparison；Early warning prompting message is issued according to the insurance fraud rate of calculating.Therefore, it in the present invention, is acquired by mobile location information in the period to transaction progress, the location information of acquisition is subjected to contrast judgement on algorithm, and generate contrast judgement is beyond recognition insurance fraud behavior as a result, solving in turn in the prior art, reduces the property loss of the owner of cargo.
Description
Technical field
The present invention relates to tracking of information fields, in particular to the early warning analysis method and system based on a kind of vehicle insurance fraud.
Background technique
Present invention mainly solves before truck man picking, have purchased emptying danger, and the behavior of insurance fraud whereby.As driver and goods
When master concludes the transaction, driver can be dangerous for this transaction purchase emptying, and to make up driver's picking on the way, the owner of cargo unilaterally cancels friendship
Easily lost to driver's bring.Characteristic based on the product, after driver can buy emptying danger, picking of not setting out, but notify goods
Then principal solution deceives to obtain the Claims Resolution of emptying danger, gets some advantage from it except transaction.
Current technology can only be reported according to the cell phone application of user, get the anchor point of user, can be existed than more serious
False point, leak source the case where, the problem of causing is that there are insurance fraud behaviors for truck man, and system can not distinguish, insurance fraud behavior
Identification it is very low, cause relatively high economic loss.
Based on this application provides the technical solutions for solving problem above for technical problem present on.
Summary of the invention
The object of the present invention is to provide a kind of early warning analysis method and system of vehicle insurance fraud, and by timing acquiring, driver exists
It insures and decontrols danger to the location information of the anchor point reported in the time range being in danger, the data of acquisition are compared, calculate
The insurance fraud rate for obtaining driver judges that the driver is the behavior that enough there is insurance fraud according to the value of calculated insurance fraud rate；And it issues and deceives
The early warning prompting message of guarantor.The identification for improving insurance fraud behavior reduces the economic loss of the owner of cargo.
Technical solution provided by the invention is as follows:
A kind of early warning analysis method of vehicle insurance fraud, comprising: when receiving Transaction Information, obtain location information；When obtaining
The location information taken is compared with location information in default route；The insurance fraud rate of the first user is calculated according to the result of comparison；
Early warning prompting message is issued according to the insurance fraud rate of calculating.
It is further preferred that obtaining location information includes: to obtain the initial bit of vehicle when receiving the first Transaction Information
Confidence breath；In the time range of transaction, from initial position, the timing position information of the acquisition vehicle of timing；Work as reception
When to the second Transaction Information, terminate the acquisition of vehicle position information；Wherein, the location information includes: the intelligence of the first user
The location information of terminal, the first user intelligent terminal base station location information and the first user vehicle location information.
It is further preferred that it includes: when reception that the location information that will acquire is compared with location information in default route
When to the second Transaction Information, in the time range of transaction, the location information on each time point that will acquire with it is corresponding default
Reference position information on route is compared one by one；It is corresponding to calculate the position deviation generated.
It is further preferred that the insurance fraud rate for calculating the first user includes: according to each time point within the scope of exchange hour
The upper corresponding position deviation obtained, calculates the accuracy rate that vehicle travels on each time point in the default route；According to described
The insurance fraud factor of the accuracy rate, user that are travelled on each time point in default route, the acquisition position in the time range in transaction
The time point quantity of confidence breath, calculates the insurance fraud rate of user.
It is further preferred that the early warning prompting message includes: that will obtain that insurance fraud rate is default to deceive in this process of exchange
Guarantor, which leads, to be compared, and is to issue not Claims Resolution information when being higher than default insurance fraud rate；Otherwise, it is normally in danger.
A kind of prewarning analysis system of vehicle insurance fraud, comprising: position acquisition module is obtained when receiving Transaction Information
Location information；Location information comparison module, when the location information and default route that are obtained by the position acquisition module are upper
Confidence breath is compared；Insurance fraud rate computing module, the result of comparison module calculates the first user according to the positional information
Insurance fraud rate；Early warning module issues early warning prompting message according to the insurance fraud rate that the insurance fraud rate computing module calculates.
It is further preferred that position acquisition module includes: initial position acquisition submodule, when receiving the first Transaction Information
When, obtain the initial position message of vehicle；Timing position acquisition submodule goes out in the time range of transaction from initial position
Hair, the timing position information of the acquisition vehicle of timing；When receiving the second Transaction Information, terminate obtaining for vehicle position information
It takes；Wherein, the location information include: the location information of the intelligent terminal of the first user, the first user intelligent terminal base
Location information of standing and the vehicle location information of the first user.
It is further preferred that location information comparison module includes: when receiving the second Transaction Information, in the time of transaction
In range, the location information on each time point that will acquire is compared one by one with the reference position information in corresponding default route
It is right；It is corresponding to calculate the position deviation generated.
It is further preferred that in insurance fraud rate computing module further include: accuracy rate computational submodule, the accuracy rate calculate son
Module calculates vehicle on the default road according to the position deviation obtained corresponding on each time point within the scope of exchange hour
The accuracy rate travelled on each time point on line；It is deceived according to the accuracy rate that travels on time point each in the default route, user
The factor, the time point quantity for obtaining location information in the time range in transaction are protected, the insurance fraud rate of user is calculated.
It is further preferred that the early warning module includes: that will obtain that insurance fraud rate is default to deceive in this process of exchange
Guarantor, which leads, to be compared, and when being higher than default insurance fraud rate, issues not Claims Resolution information；Otherwise, it is normally in danger.
A kind of early warning analysis method and system of vehicle insurance fraud provided by the invention, can bring following at least one beneficial
Effect:
In the present invention, danger is decontroled to the anchor point reported in the time range being in danger insuring by timing acquiring driver
Location information, the data of acquisition are compared, the insurance fraud rate for obtaining driver is calculated, according to the value of calculated insurance fraud rate,
Judge that the driver is the behavior that enough there is insurance fraud；And issue the early warning prompting message of insurance fraud.
In the present invention, it provides within the time of policy purchase, by three kinds of localization method acquisition position information, goes forward side by side one
The authenticity of each anchor point of calculating of step；And insurance fraud rate is calculated according to the insurance fraud factor of driver jointly, give insurance auditor
Member provides strong support, and the calculating for subsequent insurance fraud rate provides foundation.
In the present invention, by three kinds of localization method acquisition position information, people's vehicle and means of communication complete one be ensure that
Cause property, avoid the separation of people's vehicle deceives dangerous generation.
In the present invention, by the one hand reducing the insurance fraud rate during lorry acknowledgement of consignment by collimation technique；Another party
Face reduces the bring property loss because of insurance fraud of the owner of cargo.
Detailed description of the invention
Below by clearly understandable mode, preferred embodiment is described with reference to the drawings, the early warning to a kind of vehicle insurance fraud
Above-mentioned characteristic, technical characteristic, advantage and its implementation of analysis method and system are further described.
Fig. 1 is a kind of flow chart of early warning analysis method one embodiment of vehicle insurance fraud of the present invention；
Fig. 2 is a kind of flow chart of another embodiment of the early warning analysis method of vehicle insurance fraud of the present invention；
Fig. 3 is a kind of structure chart of prewarning analysis system one embodiment of vehicle insurance fraud of the present invention；
Fig. 4 is a kind of structure chart of another embodiment of the prewarning analysis system of vehicle insurance fraud of the present invention.
Specific embodiment
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, Detailed description of the invention will be compareed below
A specific embodiment of the invention.It should be evident that drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing, and obtain other embodiments.
To make simplified form, part related to the present invention is only schematically shown in each figure, they are not represented
Its practical structures as product.In addition, there is identical structure or function in some figures so that simplified form is easy to understand
Component only symbolically depicts one of those, or has only marked one of those.Herein, "one" is not only indicated
" only this ", can also indicate the situation of " more than one ".
The present invention provides a kind of early warning analysis method one embodiment of vehicle insurance fraud, as shown in Figure 1, comprising:
Step S110 obtains location information when receiving Transaction Information；
Step S120 is compared when the location information obtained with location information in default route；
Step S130 calculates the insurance fraud rate of the first user according to the result of comparison；
Step S140 issues early warning prompting message according to the insurance fraud rate of calculating.
Specifically, including 3 main bodys, the intelligent terminal of driver, the intelligent terminal of the owner of cargo, Yi Jiyu in embodiment
The data server of data communication is carried out between the two；In order to solve the behavior of insurance fraud, in the time that two parties are traded
In section, the technical solution of the application are as follows: data server starts to acquire relevant data after receiving Transaction Information, is trading
It include the command information that transaction starts and transaction terminates in journey；Within this period of transaction, the intelligence of driver is acquired eventually
End, the real-time location information of the mobile phone of lorry and driver according to judging whether 3 location informations are consistent, or are allowing
It is fluctuated within the scope of position deviation, calculates the insurance fraud rate of the driver, which is sent by data server
To the operation platform of insurance company, and then carry out relevant Claims Resolution behavior.
Therefore, it in the present invention, is acquired by mobile location information in the period to transaction progress, the position of acquisition is believed
Breath carries out contrast judgement on algorithm, and generate contrast judgement is beyond recognition insurance fraud row as a result, solving in turn in the prior art
To reduce the property loss of the owner of cargo.
The present invention also provides one embodiment；With reference to shown in Fig. 2；Location information includes:
Step S210 obtains the initial position message of vehicle when receiving the first Transaction Information；
Step S220 is in the time range of transaction, from initial position, the timing position letter of the acquisition vehicle of timing
Breath；
Step S230 terminates the acquisition of vehicle position information when receiving the second Transaction Information；
Step S240 is in the time range of transaction, the location information on each time point that will acquire and corresponding default road
Reference position information on line is compared one by one；
Step S250 is corresponding to calculate the position deviation generated.
Step S251 calculates vehicle and exists according to the position deviation obtained corresponding on each time point within the scope of exchange hour
The accuracy rate travelled on each time point in default route；
Step S252 according to the insurance fraud factor of the accuracy rate, user that are travelled on time point each in default route, trading
Time range in acquisition location information time point quantity, calculate the insurance fraud rate of user；
Step S253 will obtain insurance fraud rate in this process of exchange and be compared with default insurance fraud rate, deceive when being higher than to preset
Guarantor, which leads, is, step S254 issues not Claims Resolution information；Otherwise, step S255 issues information of being normally in danger；Wherein, location information packet
Include: the location information of the intelligent terminal of the first user, the first user intelligent terminal base station location information and the first user
Vehicle location information.
Specifically, the application solves the problems, such as to be, and after driver can buy emptying danger, picking of not setting out, but notify goods
Then principal solution deceives to obtain the Claims Resolution of emptying danger, gets some advantage from it except transaction.Therefore location-based fixed based on the above, in the present embodiment
Position includes the Beidou positioning for getting positioning, mobile phone card base station location, vehicle ready by the APP of driver；The acquisition of three location informations
It is after transaction, to stop to 3 kinds after data server receives and generated Transaction Information between driver and the owner of cargo
The acquisition of location information；Specific calculate includes: to assume that position is freighted from A address to B；Assuming that driver is in location A and the owner of cargo in B
The transaction that position is reached, driver will be from location As to B location；After system receives trade command information, at the beginning of system acquisition 3
The location information of beginning, then timing acquires the information of an anchor point for 10 minutes；The command information completed until receiving transaction；
Transaction is completed to include: to reach picking point B location, or do not arrive B location, and owner of cargo midway changes dispatch policy；Server needs are adopted
3 location informations for collecting timing acquiring in time bracket, by the location information and on from location A to B location setting path
Position location carries out positioning calibration, and position location is compared with the position of standard, and calculate generation the correspondence time it is inclined
Difference calculates the locating accuracy that each time point generates according to judgement and is calculated by formula (1)；
A1=(3-n)/3-- (1)；
Insurance fraud rate is further extrapolated by the accuracy rate that formula (2) calculate each point:
R=x* (a1+a2+a3+an)/m-- (2)；
The accuracy rate of each point of a1--；The authentic and valid anchor point of n-- each time point；X-- insurance fraud factor m-- is entirely thrown
Time points during guarantor；R-- insurance fraud rate；
According to the authenticity of each anchor point, and according to the insurance fraud factor of driver (according to the insurance fraud behavior of driver generate,
Assuming that all drivers are defaulted as 1, calculating insurance fraud rate is more than that the 80% driver value adds 0.1, and insurance fraud rate is lower than 20% department
Machine subtracts 0.1), after obtaining insurance fraud rate according to formula (2), settlement of insurance claim personnel can judge that driver whether there is according to insurance fraud rate
Insurance fraud situation, judgment method are as follows: if insurance fraud rate is higher than 60%, it is believed that be driver's insurance fraud behavior, then do not settled a claim.
Based on the above, calculate insurance fraud rate jointly in invention, to insurance, auditor is provided strong support, and after being
The calculating of continuous insurance fraud rate provides foundation.
The present invention provides a kind of gladly one embodiment of the prewarning analysis system of vehicle insurance fraud, with reference to shown in Fig. 3；Packet
Include: position acquisition module 100 obtains location information when receiving Transaction Information；Location information comparison module 200, when passing through
The location information that position acquisition module obtains is compared with location information in default route；Insurance fraud rate computing module 300, according to
The result of location information comparison module calculates the insurance fraud rate of the first user；Early warning module 400 is calculated according to insurance fraud rate
The insurance fraud rate that module calculates issues early warning prompting message.
Specifically, including 3 main bodys, the intelligent terminal of driver, the intelligent terminal of the owner of cargo, Yi Jiyu in embodiment
The data server of data communication is carried out between the two；In order to solve the behavior of insurance fraud, in the time that two parties are traded
In section, the technical solution of the application are as follows: data server is started after receiving terminal transaction information by position acquisition module 100
Relevant data are acquired, include in process of exchange, the command information that transaction starts and transaction terminates；In this section of transaction
In, acquire the intelligent terminal of driver, the real-time location information of the mobile phone of lorry and driver is compared according to location information
Module 200 judges whether 3 location informations are consistent, or is allowing to be fluctuated within the scope of position deviation, passes through insurance fraud rate meter
The insurance fraud rate that module 300 calculates the driver is calculated, which is passed through into the early warning module 400 in data server
It is sent to the operation platform of insurance company, and then carries out relevant Claims Resolution behavior.
Therefore, it in the present invention, is acquired by mobile location information in the period to transaction progress, the position of acquisition is believed
Breath carries out contrast judgement on algorithm, and generate contrast judgement is beyond recognition insurance fraud row as a result, solving in turn in the prior art
To reduce the property loss of the owner of cargo.
The present invention also provides one embodiment: with reference to shown in Fig. 4；In the present embodiment for realizing for location information
Acquisition: be provided with initial position acquisition submodule 110 in server, when receiving the first Transaction Information, obtain vehicle
Initial position message；Timing position acquisition submodule 120, in the time range of transaction, from initial position, timing is obtained
The timing position information of pick-up；When receiving the second Transaction Information, terminate the acquisition of vehicle position information；Wherein, position
Information include: the location information of the intelligent terminal of the first user, the first user intelligent terminal base station location information, Yi Ji
The vehicle location information of one user.
Location information comparison module 200 includes: in the time range of transaction, to incite somebody to action when receiving the second Transaction Information
The location information on each time point obtained is compared one by one with the reference position information in corresponding default route；To accrued
Calculate the position deviation generated.
In insurance fraud rate computing module 300 further include: accuracy rate computational submodule 310, accuracy rate computational submodule, according to
The corresponding position deviation obtained, calculates vehicle each time point uplink in default route on each time point within the scope of exchange hour
The accuracy rate sailed；According to the insurance fraud factor of the accuracy rate, user that are travelled on time point each in default route, in the time in transaction
The time point quantity of acquisition location information in range, calculates the insurance fraud rate of user.Early warning module 400 includes: will be at this
The default insurance fraud rate of insurance fraud rate is obtained in secondary process of exchange to be compared, and when being higher than default insurance fraud rate, issues information of not settling a claim；
Otherwise, it is normally in danger.
Specifically, the application solves the problems, such as to be, and after driver can buy emptying danger, picking of not setting out, but notify goods
Then principal solution deceives to obtain the Claims Resolution of emptying danger, gets some advantage from it except transaction.Therefore location-based fixed based on the above, in the present embodiment
Position includes the Beidou positioning for getting positioning, mobile phone card base station location, vehicle ready by the APP of driver；The acquisition of three location informations
It is after transaction, to stop to 3 kinds after data server receives and generated Transaction Information between driver and the owner of cargo
The acquisition of location information；Specific calculate includes: to assume that position is freighted from A address to B；Assuming that driver is in location A and the owner of cargo in B
The transaction that position is reached, driver will be from location As to B location；After system receives trade command information, at the beginning of system acquisition 3
The location information of beginning, then timing acquires the information of an anchor point for 10 minutes；The command information completed until receiving transaction；
Transaction is completed to include: to reach picking point B location, or do not arrive B location, and owner of cargo midway changes dispatch policy；Server needs are adopted
3 location informations for collecting timing acquiring in time bracket, by the location information and on from location A to B location setting path
Position location carries out positioning calibration, and position location is compared with the position of standard, and calculate generation the correspondence time it is inclined
Difference calculates the locating accuracy that each time point generates according to judgement and is calculated by formula (1)；
A1=(3-n)/3-- (1)；
Insurance fraud rate is further extrapolated by the accuracy rate that formula (2) calculate each point:
R=x* (a1+a2+a3+ ... an)/m-- (2)；
The accuracy rate of each point of a1--；The authentic and valid anchor point of n-- each time point；X-- insurance fraud factor m-- is entirely thrown
Time points during guarantor；R-- insurance fraud rate.
And it (is generated according to the insurance fraud behavior of driver, it is assumed that all drivers are defaulted as 1, meter according to the insurance fraud factor of driver
Calculating insurance fraud rate is more than that the 80% driver value adds 0.1, driver of the insurance fraud rate lower than 20% subtracts 0.1), according to formula (2)
To after insurance fraud rate, settlement of insurance claim personnel can judge driver with the presence or absence of insurance fraud situation, judgment method are as follows: such as according to insurance fraud rate
Fruit insurance fraud rate is higher than 60%, it is believed that is driver's insurance fraud behavior, is not then settled a claim.
Based on the above, calculate insurance fraud rate jointly in invention, to insurance, auditor is provided strong support, and after being
The calculating of continuous insurance fraud rate provides foundation.
It should be noted that above-described embodiment can be freely combined as needed.The above is only preferred implementations of the invention
Mode, it is noted that for those skilled in the art, without departing from the principle of the present invention, also
Several improvements and modifications can be made, these modifications and embellishments should also be considered as the scope of protection of the present invention.
Claims (10)
1. a kind of early warning analysis method of vehicle insurance fraud characterized by comprising
When receiving Transaction Information, location information is obtained；
When the location information of acquisition is compared with location information in default route；
The insurance fraud rate of the first user is calculated according to the result of comparison；
Early warning prompting message is issued according to the insurance fraud rate of calculating.
2. the early warning analysis method of vehicle insurance fraud according to claim 1, which is characterized in that obtaining location information includes:
When receiving the first Transaction Information, the initial position message of vehicle is obtained；
In the time range of transaction, from initial position, the timing position information of the acquisition vehicle of timing；
When receiving the second Transaction Information, terminate the acquisition of vehicle position information；
Wherein, the location information include: the location information of the intelligent terminal of the first user, the first user intelligent terminal base
Location information of standing and the vehicle location information of the first user.
3. the early warning analysis method of vehicle insurance fraud according to claim 2, which is characterized in that the location information that will acquire with
Location information, which is compared, in default route includes:
When receiving the second Transaction Information, in the time range of transaction, the location information on each time point that will acquire with
Reference position information in corresponding default route is compared one by one；
It is corresponding to calculate the position deviation generated.
4. the early warning analysis method of vehicle insurance fraud according to claim 3, which is characterized in that calculate the insurance fraud of the first user
Rate includes:
According to the position deviation obtained corresponding on each time point within the scope of exchange hour, vehicle is calculated in the default route
The accuracy rate travelled on upper each time point；
According to the insurance fraud factor of the accuracy rate, user that are travelled on time point each in the default route, in the time model in transaction
The time point quantity of acquisition location information in enclosing, calculates the insurance fraud rate of user.
5. the early warning analysis method of vehicle insurance fraud according to claim 1, which is characterized in that the early warning prompting message packet
It includes: the default insurance fraud rate of insurance fraud rate will be obtained in this process of exchange and be compared, be that sending is refused when being higher than default insurance fraud rate
Claims Resolution information；Otherwise, information of being normally in danger is issued.
6. a kind of prewarning analysis system of vehicle insurance fraud characterized by comprising
Position acquisition module obtains location information when receiving Transaction Information；
Location information comparison module, when location information on the location information and default route obtained by the position acquisition module
It is compared；
Insurance fraud rate computing module, the result of comparison module calculates the insurance fraud rate of the first user according to the positional information；
Early warning module issues early warning prompting message according to the insurance fraud rate that the insurance fraud rate computing module calculates.
7. the prewarning analysis system of vehicle insurance fraud according to claim 6, which is characterized in that position acquisition module includes:
Initial position acquisition submodule obtains the initial position message of vehicle when receiving the first Transaction Information；
Timing position acquisition submodule, in the time range of transaction, from initial position, the timing of the acquisition vehicle of timing
Location information；
When receiving the second Transaction Information, terminate the acquisition of vehicle position information；
Wherein, the location information include: the location information of the intelligent terminal of the first user, the first user intelligent terminal base
Location information of standing and the vehicle location information of the first user.
8. the prewarning analysis system of vehicle insurance fraud according to claim 7, which is characterized in that location information comparison module packet
Include: when receiving the second Transaction Information, in the time range of transaction, the location information on each time point that will acquire with it is right
The reference position information in default route answered is compared one by one；It is corresponding to calculate the position deviation generated.
9. the prewarning analysis system of vehicle insurance fraud according to claim 8, which is characterized in that in insurance fraud rate computing module also
It include: accuracy rate computational submodule；
The accuracy rate computational submodule, according to the position deviation obtained corresponding on each time point within the scope of exchange hour,
Calculate the accuracy rate that vehicle travels on each time point in the default route；According to time point uplink each in the default route
The insurance fraud factor of the accuracy rate, user sailed, the time point quantity for obtaining location information in the time range in transaction, calculate
The insurance fraud rate of user.
10. the prewarning analysis system of vehicle insurance fraud according to claim 6, which is characterized in that the early warning module
Include: that will obtain the default insurance fraud rate of insurance fraud rate in this process of exchange to be compared, when being higher than default insurance fraud rate, issues not
Give Claims Resolution information；Otherwise, information of being normally in danger is issued.
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| CN109978075A (en) * | 2019-04-04 | 2019-07-05 | 江苏满运软件科技有限公司 | Vehicle dummy location information identifying method, device, electronic equipment, storage medium |
| CN109978075B (en) * | 2019-04-04 | 2021-09-28 | 江苏满运软件科技有限公司 | Vehicle false position information identification method and device, electronic equipment and storage medium |
| CN110175927A (en) * | 2019-05-14 | 2019-08-27 | 安泰保险科技(深圳)有限公司 | It is a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving |
| CN110288096A (en) * | 2019-06-28 | 2019-09-27 | 江苏满运软件科技有限公司 | Prediction model training and prediction technique, device, electronic equipment, storage medium |
| CN110288096B (en) * | 2019-06-28 | 2021-06-08 | 满帮信息咨询有限公司 | Prediction model training method, prediction model training device, prediction model prediction method, prediction model prediction device, electronic equipment and storage medium |
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Application publication date: 20181207 |