CN110826860A - Method, device, terminal and storage medium for allocating vehicle insurance survey resources - Google Patents
Method, device, terminal and storage medium for allocating vehicle insurance survey resources Download PDFInfo
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Abstract
The embodiment of the invention discloses a method, a device, a terminal and a storage medium for allocating vehicle insurance survey resources, wherein the method comprises the following steps: acquiring the average value of the vehicle insurance quantity of a target survey area within set time; calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient; calculating a first ratio of an area value of the target survey area to the target radiation area as a target capacity number corresponding to the target survey area; and calculating a proportionality coefficient between the average vehicle insurance quantity and the target transport capacity quantity, and determining the target distribution quantity of the exploration resources in the target exploration area according to the proportionality coefficient. In addition, the embodiment of the invention also discloses a device for allocating the vehicle insurance survey resources, a terminal and a computer readable medium. By adopting the invention, the comprehensive coverage of the survey area can be realized, and the maximum utilization of survey resources can be realized.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a method, a device, a terminal and a storage medium for allocating vehicle insurance survey resources.
Background
As an important travel tool, automobiles are in a state of rapid growth, with the accompanying rapid development of automobile insurance industry. In the automobile insurance market, the field survey and loss assessment of vehicle accidents are very important links, and under the general condition, insurance companies can timely distribute corresponding surveyors to carry out the field survey and loss assessment after the vehicle accidents occur.
Because the vehicle has a fault with strong randomness in region and time, the insurance company or the third-party service institution thereof needs to match a large amount of survey resources so as to ensure that the survey and operation can be realized in any region and at any time in time; at present, the insurance company or the third-party service institution thereof adopts a gridding mode to measure, calculate and configure survey resources, and although the gridding mode can effectively realize the full coverage of the area, the current survey resources such as network appointment, driving instead and the like cannot be fully utilized to carry out survey operation.
Disclosure of Invention
In view of the above, the present invention provides a method, an apparatus, a terminal and a storage medium for allocating vehicle insurance survey resources, which are used to solve the problem in the prior art that touring resources such as online car booking, designated driving vehicles and the like cannot be fully utilized.
The specific technical scheme of the embodiment of the invention is as follows:
in a first aspect, an embodiment of the present invention provides a method for allocating vehicle insurance survey resources, which is applied to allocating multiple survey resources, and includes:
acquiring the average value of the vehicle insurance quantity of a target survey area within set time;
calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient;
calculating a first ratio of an area value of the target survey area to the target radiation area as a target capacity number corresponding to the target survey area;
and calculating a proportionality coefficient between the average vehicle insurance quantity and the target transport capacity quantity, and determining the target distribution quantity of the exploration resources in the target exploration area according to the proportionality coefficient.
Further, before calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient, the method further includes:
determining an exploration type corresponding to the exploration resource, wherein the exploration type comprises a public estimation exploration type and an tour exploration type;
and determining survey speed-per-hour, survey timeliness and road tortuosity adjusting coefficients corresponding to the survey resources according to the survey type and the target survey area.
Further, after the calculating a first ratio of the area value of the target survey area to the target radiation area as the number of target capacities corresponding to the target survey area, the method includes:
judging whether any two or more than two survey resources have the condition of position overlapping;
and when the survey resources are overlapped in position, adjusting the target transport capacity quantity corresponding to the target survey area by using a preset first readjustment coefficient.
Further, the adjusting the target capacity amount corresponding to the target survey area by a preset first readjustment factor includes:
and calculating a proportional value of the target transport capacity quantity and the first readjustment coefficient, and updating the target transport capacity quantity of the target survey area according to the proportional value, wherein the value of the proportional value is greater than zero.
Further, the calculating a ratio of the target capacity amount to the first readjustment coefficient, and updating the target capacity amount of the target survey area according to the ratio includes:
judging whether the proportional value is an integer or not, and taking the proportional value as the updated target transport capacity quantity when the proportional value is the integer;
and when the proportional value is not an integer, rounding up the proportional value, and taking a numerical value obtained by rounding up the proportional value as the updated target capacity quantity.
Further, the calculating a proportionality coefficient between the average vehicle insurance quantity and the target capacity quantity, and determining the target allocation quantity of the exploration resources in the target exploration area according to the proportionality coefficient includes:
judging whether the investigation resources have the situation that the investigation cannot be carried out or not;
when the exploration resource cannot be surveyed, adjusting the target transport capacity quantity corresponding to the target exploration area by a preset second readjustment coefficient;
and calculating the product of the target transport capacity quantity and the second readjustment coefficient, and determining the target distribution quantity according to the product and the updated target transport capacity quantity.
Further, after determining the target allocation amount of the survey resources in the target survey area according to the scaling factor, the method further comprises:
acquiring the current target distribution quantity corresponding to the current survey resource and the alternative target distribution quantity corresponding to the alternative survey resource;
and calculating a second ratio of the alternative target allocation quantity to the current target allocation quantity, and replacing the current surveying resource with the alternative surveying resource of the corresponding quantity according to the second ratio to execute the surveying task.
In a second aspect, an embodiment of the present invention provides an apparatus for allocating vehicle insurance survey resources, including:
the vehicle insurance obtaining module is used for obtaining the average value of the vehicle insurance quantity of the target survey area in a set time quantum;
the first calculation module is used for calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient;
a second calculation module for calculating a first ratio of an area value of the target survey area to the target radiation area;
the third calculation module is used for calculating a proportionality coefficient between the average vehicle insurance quantity and the target transportation capacity quantity;
a resource allocation module for determining a target allocation number of the survey resources in the target survey area according to the scaling factor.
In a third aspect, an embodiment of the present invention further provides a terminal, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor, when executing the computer program, implements the method for allocating vehicle insurance coverage resources as described above.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, which includes computer instructions, when the computer instructions are executed on a computer, the computer executes the method for vehicle insurance survey resource allocation as described above.
The embodiment of the invention has the following beneficial effects:
after the method, the device, the terminal and the storage medium for allocating the vehicle insurance exploration resources are adopted, the average value of the vehicle insurance quantity of the target exploration area is obtained in the set time quantum; calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient; calculating a first ratio of an area value of the target survey area to a target radiation area as a target capacity quantity corresponding to the target survey area; and calculating a proportionality coefficient between the average value of the number of the vehicle insurance and the number of the target transportation capacity, and determining the target distribution number of the exploration resources in the target exploration area according to the proportionality coefficient. This embodiment can adapt to the target survey area of different overall arrangements, realizes the rational distribution to different grade type survey resource, guarantees that the survey resource covers the regional comprehensive of target survey, can promote the precision and the efficiency of survey.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Wherein:
FIG. 1 is a flowchart illustrating a method for allocating resources for vehicle insurance surveys according to an embodiment;
FIG. 2 is a schematic diagram illustrating the process of determining the survey resource determination in one embodiment;
FIG. 3 is a flow diagram illustrating the update of the target capacity amount according to one embodiment;
FIG. 4 is a schematic diagram illustrating a process for determining the target capacity fraction in another embodiment;
FIG. 5 is a flow diagram illustrating adjustment of the exploration resources according to one embodiment;
FIG. 6 is a schematic structural diagram of the vehicle insurance survey resource allocation apparatus according to one embodiment;
FIG. 7 is a schematic diagram illustrating an internal structure of a computer device for executing the method for allocating resources for vehicle insurance survey according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
To solve the problem of the conventional technology that the allocation of survey resources in a target survey area cannot be performed quickly and efficiently, in the present embodiment, a method for allocating vehicle insurance survey resources is proposed, which can be implemented by relying on a computer program that can run on a computer system based on von neumann architecture.
The method for allocating vehicle insurance survey resources in this embodiment is suitable for resource allocation of various survey resources for conducting survey and damage assessment in vehicle accidents, where the survey resources include, but are not limited to, public survey resources, network appointment survey resources, express survey resources, designated drive survey resources, and the like, and any person capable of executing a survey task may be used as the survey resources in this embodiment. Wherein, the survey resource refers to an evaluator for surveying and damage assessment of the vehicle accident.
The method of the embodiment can effectively distribute the survey resources of different types, ensure the reasonable distribution of the survey resources in the target survey area, and realize the maximization of the survey efficiency of the vehicle insurance.
Specifically, as shown in fig. 1, the allocating of the vehicle insurance survey resource to the same type of survey resource in the method for allocating vehicle insurance survey resources includes steps S102 to S108:
step S102: and acquiring the average value of the vehicle insurance quantity of the target survey area in a set time.
Generally, the target survey area of the present embodiment refers to an area where vehicles are operated within a certain range, for example, a city may be set as one target survey area, or one area or county in a city may be set as a target survey area, the range of the target survey area is divided in advance, and the range size is variable; further, the target survey area may be an area having a certain area size, or an area having a certain mileage, that is, an area having a certain distance length.
In the specific embodiment, because the number of the vehicle insurance occurrences is uncertain, in order to ensure the reasonability of the survey resources distributed in the target survey area, namely ensure that the survey resources can meet the survey requirements in the target survey resources to the maximum extent, and ensure that the survey resources can arrive at a vehicle insurance site within a set time range when the vehicle insurance occurs, the vehicle insurance can be effectively damaged at the first time; the average value of the car insurance quantity in the set time quantum of the target exploration area is obtained based on the embodiment.
The set time refers to a specific time unit, and can be an hour time unit or a day time unit; the average value of the vehicle insurance number is the average value of all vehicle insurance numbers in a certain time period range, or the vehicle insurance number value of a corresponding set time unit is obtained after machine learning after counting all vehicle insurance numbers in an area through mathematical modeling; illustratively, the average value of all the car insurance quantities in the B area of the city A for 30 days per day is obtained as the car insurance quantity average value, or the average value of all the car insurance quantities in the D area of the city C for 30 days per hour is obtained as the car insurance quantity average value, and the like.
This embodiment is through obtaining the regional car insurance quantity mean value in setting for the time quantum of target survey, regards car insurance quantity mean value as the foundation of survey resource allocation, promotes the degree of accuracy of distribution, guarantees the effective utilization of all survey resources, is favorable to reducing the input of survey cost simultaneously.
Step S104: and calculating the target radiation area corresponding to each survey resource based on the preset survey speed per hour, the survey timeliness and the preset road tortuosity adjustment coefficient.
In the specific embodiment, theoretically, each survey resource can carry out survey damage assessment operation on the vehicle insurance survey task in any area range, but in order to realize maximum utilization of each survey resource, guarantee timely execution of the survey and give the user the best survey service experience, at the moment, the survey resource needs to be guaranteed to arrive at the site of the survey within the specified time after obtaining the survey task; meanwhile, due to the influence of other objective factors, for example, because the congestion conditions of roads in cities are different at different time periods, the time for the exploration resources to reach the exploration site is influenced.
Therefore, for different survey tasks, in the embodiment, the survey hourly speed, the survey time period and the road tortuosity adjustment coefficient corresponding to the survey resource are determined according to the survey resource, wherein the survey hourly speed represents the average hourly speed of the survey resource from receiving the survey task to reaching the vehicle insurance site, the survey time period represents the total time of the survey resource from receiving the survey task to the conductive vehicle insurance site, and the road tortuosity adjustment coefficient is any constant within (0, 1) of the value range set according to the area where the survey resource is located.
Illustratively, survey hourly rates are set at different time intervals, such as 15KM/h during the peak hours of work from 8 am to 9 am in urban areas, and 20KM/h at 20 pm to 21 pm; for the arrival time efficiency, the urban arrival time efficiency can be set to be 0.3h, the arrival time efficiency corresponding to suburbs is set to be 0.4h, the arrival time efficiency corresponding to suburbs is set to be 0.5h and the like based on the convenience of traffic; for the road tortuosity adjusting coefficient, 0.5 can be selected; in this embodiment, each survey resource is used as a center, and the target radiation area corresponding to each survey resource is calculated by taking the product of the survey hourly speed, the survey time and the road tortuosity adjustment coefficient as a radius, and assuming that the survey resource is located in an urban area and the time period is 8 am to 9 am, the target radiation area corresponding to the survey resource can be calculated by the following formula:
target radiation area ═ pi × (survey speed per hour × survey age × road tortuosity adjustment coefficient)2＝π×(15×0.3×0.5)2。
In the embodiment, the setting of the road tortuosity adjustment coefficient can be set according to the conditions of road congestion, whether the road congestion is a peak congestion time or not and the like; the method can also be obtained by reverse deduction according to the actual target radiation areas of a large amount of historical exploration resources in the same area, specifically, the method comprises the steps of solving the average value of all target radiation areas of the historical exploration resources, dividing the average value by pi, then forming a root number, and then dividing the root number by the product of the square of the exploration time rate and the exploration time efficiency; further, machine learning can be carried out according to the actual survey speed per hour and the setting of survey time of historical survey resources by establishing a training model, so that a corresponding road tortuosity adjustment coefficient is obtained. Similarly, the survey speed per hour and the survey time can be obtained by the three methods.
In the embodiment, the target radiation area of each survey resource is acquired, and on the premise that each survey resource can complete the survey task fastest, the target survey area is distributed more uniformly, so that each survey resource is utilized to the maximum extent, the executable survey task range of each survey resource is ensured to the maximum extent, and the rationality of survey resource distribution is promoted.
Step S106: calculating a first ratio of an area value of the target survey area to the target radiation area as a target capacity number corresponding to the target survey area;
in a specific embodiment, according to the target radiation area of each survey resource obtained in step S104, in order to achieve coverage of the survey resources in the entire target survey area, the ratio of the area value of the entire target survey area to the target radiation area is obtained, so as to obtain the number of survey resources, i.e., the number of target transportation capacities, required to correspondingly cover the entire target survey area.
The ratio of the area of the target survey area to the target radiation area of each survey resource is calculated to obtain the target capacity quantity of the whole target survey area, so as to realize the primary allocation of the survey resources in the target survey area. Illustratively, if the area size of the whole target survey area is 100000m2The target radiation area of each survey resource in the area is 1000m2Then, the target capacity quantity is known as:
the number of target transport capacity is 100000m, i.e. the area of target survey area/target radiation area2/1000m2＝100。
Step S108: and calculating a proportionality coefficient between the average vehicle insurance quantity and the target transport capacity quantity, and determining the target distribution quantity of the exploration resources in the target exploration area according to the proportionality coefficient.
In the actual operation process, because one survey resource can only carry out vehicle insurance survey operation on one survey task at the same time, and a situation that a plurality of survey tasks exist simultaneously may exist in one target radiation area, in order to guarantee timely and effective processing on all survey tasks in a unified target radiation area, the embodiment carries out more reasonable distribution on the target transport capacity quantity according to the proportionality coefficient between the vehicle insurance quantity average value and the target transport capacity quantity.
Specifically, the proportionality coefficient is used as the target distribution quantity of the survey resources to represent the quantity of the survey tasks occurring in the same target radiation area at the same time; illustratively, if the average value of the number of vehicle insurance in the target exploration area is 400, based on the number of target transportation capacity in step S106, it can be known that the number of target allocations in the target exploration area is 4, and at this time, 4 exploration resources are allocated in each target radiation area, so as to achieve better exploration resource allocation for the target exploration area, and ensure that the exploration operation can be performed in the time of making the time for each vehicle insurance exploration task. Generally, in order to ensure timeliness and efficiency of the exploration, it is set that after a car insurance exploration task is issued, an exploration resource needs to reach a place corresponding to the car insurance exploration task within one hour.
In one embodiment, if the proportional coefficient of the average vehicle insurance quantity and the target transportation capacity quantity is a non-integer, then the proportional coefficient is rounded up; namely, if the proportionality coefficient between the average vehicle insurance quantity and the target transportation capacity quantity is 3.1, the proportionality coefficient is actually 4, so that the sufficiency of exploration resources is ensured, the whole target exploration area is completely covered, and all vehicle insurance in the target exploration area can be timely explored.
It can be understood that the survey resource in this embodiment needs to arrive at the location corresponding to the vehicle insurance survey task within one hour, that is, it is ensured that the survey resource starts from receiving the vehicle insurance survey task to arriving at the location of the vehicle insurance survey task under the premise of considering various conditions (such as traffic conditions, etc.), and the completion of the survey operation on the vehicle insurance survey task needs to be completed within one hour, so as to execute the next vehicle insurance survey task within the next hour; based on this, this embodiment can realize the high-efficient coverage to the target investigation region to carry out quick and efficient investigation operation to all car insurance investigation tasks.
As shown in FIG. 2, in one embodiment, because there are different types of survey resources, the following steps are also required before the survey operation is performed on the survey task:
step S1041: determining an exploration type corresponding to the exploration resource, wherein the exploration type comprises a public estimation exploration type and an tour exploration type;
in an embodiment, different types of survey resources (e.g., network-reduced survey resources and public survey resources) are not distributed uniformly in the same area, wherein the network-reduced survey resources are not fixed, and therefore, in order to better allocate each type of survey resource in the target survey area more reasonably, the embodiment needs to determine the type of survey resource before actually performing the survey task.
The survey resource type of the embodiment includes public-estimate survey resources, which are fixed full-time survey resources, and the actual working address of the resources is fixed; on the other hand, the method also comprises fast exploration resources, wherein the exploration resources are non-fixed, the work of the exploration resources is not exploration, such as network appointment, designated driving and the like, and because the work modes of different types of exploration resources are different, the actual type of the exploration resources is determined, so that the exploration resource allocation operation which is more in line with the actual situation of the target exploration area can be realized, and the exploration coverage rate and efficiency are ensured.
Step S1042: and determining survey speed-per-hour, survey timeliness and road tortuosity adjusting coefficients corresponding to the survey resources according to the survey type and the target survey area.
In a specific embodiment, since the survey hourly speed, the time to the survey and the road tortuosity adjustment coefficient which affect the target radiation area of the survey resource and are set in the step S104 corresponding to different types of survey resources are different according to the environment where the survey resource is located, after the type of the survey resource is determined, the survey hourly speed, the time to the survey and the preset road tortuosity adjustment coefficient corresponding to the type of the survey resource are set, so that the corresponding target radiation area can be obtained more accurately, and then the ratio coefficient of the area value of the target survey area to the target radiation area is calculated, so that a survey resource allocation mode more conforming to the target survey area including the type of survey resource is obtained.
Based on the uncertainty of the tour survey resource, there may be a situation that two or more corresponding survey resources appear at the same time and place, as shown in fig. 3, the following steps are taken to adjust the survey resources in this embodiment:
step S201: and judging whether any two or more than two survey resources have the condition of position overlapping.
In this embodiment, it is necessary to determine that the survey resources may overlap in position, that is, there may be a plurality of survey resources, such as second generation survey resources, that meet the survey work around the position of the same vehicle insurance survey task, and it can be understood that the second generation survey resources generally gather in places such as a hotel, that is, there may be a case where a plurality of second generation survey resources gather near the same hotel in an actual situation. At this time, if the vehicle insurance survey tasks occur near the plurality of designated driving survey resources, since all the designated driving survey resources are in the same area, it may happen that the plurality of survey resources (assumed as the designated driving survey resources) may simultaneously acquire the same vehicle insurance survey task. Since the average value of the car insurance number in each target survey area is different, the survey resources allocated according to the car insurance number are certain, and if a plurality of survey resources appear in the same car insurance survey task place at the same time point, the situation that the positions of the survey resources overlap occurs, so as to avoid the situation that the coverage of the survey resources in the target survey area is reduced, thereby affecting the survey efficiency of the whole target survey area, the situation that the positions of the survey resources overlap needs to be judged.
Specifically, the present embodiment determines whether the location of the same vehicle insurance survey task is overlapped with the location of the survey resource through GPS positioning, so as to ensure effective allocation and coverage of the survey resource in the target survey area, and improve the efficiency of the survey.
Step S202: and when repeated surveying exists among the surveying resources, adjusting the target transport capacity quantity corresponding to the target surveying area by a preset first readjustment coefficient.
In a specific embodiment, after the determination in step S201, it is determined that the exploration resources occur at the same time in the same vehicle insurance exploration task location, that is, the exploration resources repeatedly explore each other, and this embodiment performs the adjustment operation of the exploration resources by using a preset first readjustment coefficient for the number of target transportation capacities in the target exploration area.
Specifically, because two or more survey resources appear in the location corresponding to the same vehicle insurance survey task, the whole target survey area cannot be covered according to the quantity of the target transport capacity acquired in step S106, and for this reason, the quantity of the target transport capacity in the target survey area is readjusted by a set first readjustment coefficient, so as to ensure the coverage rate of the survey resources in the whole target survey area.
Step S203: and calculating a proportional value of the target transport capacity quantity and the first readjustment coefficient, and updating the target transport capacity quantity of the target survey area according to the proportional value, wherein the value of the proportional value is greater than zero.
In a specific embodiment, the target transportation capacity number is a ratio between an area value of a target survey area and a target radiation area of each survey resource, and if a situation that the survey resources repeatedly survey the same vehicle insurance survey task occurs in an actual situation, a situation that no survey resource exists occurs in a region range of a target radiation area corresponding to at least one survey resource in the target survey area, that is, if a vehicle insurance survey task occurs in the target radiation area, a survey operation cannot be performed. In this embodiment, a first readjustment coefficient is set, the target transport capacity quantity is updated according to the first readjustment coefficient, that is, the value of the target transport capacity quantity in the target exploration area is changed, based on the situation that the target radiation area cannot realize the exploration operation due to the repeated exploration, at this time, it is necessary to add exploration resources in the target exploration area, so that the value range of the first readjustment coefficient is set to (0, 1), and by calculating the proportional value between the target transport capacity quantity and the first readjustment coefficient, after the target transport capacity quantity is updated, the updated target transport capacity quantity is larger than the original target transport capacity quantity, thereby ensuring the coverage of the exploration resources on the target exploration area.
Because the value of the first readjustment coefficient is between (0 and 1), the acquired target transportation capacity number is larger than the target transportation capacity number, namely, the number of the exploration resources in the target exploration area is increased, the situation that the corresponding exploration resources do not execute or the exploration tasks are to be executed in the target exploration area under the condition that two or two exploration resources repeatedly explore the same vehicle insurance exploration task is prevented, and the coverage rate of the exploration resources is ensured.
In one embodiment, since the survey resource can only be a complete individual, and the obtained proportional value is an uncertain value, for this reason, the embodiment needs to further interpret the actual value of the target transportation capacity in the target survey area when the obtained proportional value is a non-positive integer, as shown in fig. 4, including the following steps:
step S2031: judging whether the proportional value is an integer or not, and taking the proportional value as the updated target transport capacity quantity when the proportional value is the integer;
specifically, after obtaining the corresponding proportional value, if the proportional value is an integer, the proportional value is used as the target capacity quantity, and then the corresponding survey resource quantity is obtained, so as to realize allocation operation of the survey resources of the target survey area.
Step S2032: and when the proportional value is not an integer, rounding up the proportional value, and taking a numerical value obtained by rounding up the proportional value as the updated target capacity quantity.
Specifically, when the proportional value is a non-integer, for example, 7.1, the proportional value is rounded upward at this time, that is, the proportional value originally being 7.1 is taken as 8, and as long as it is greater than 7, it is indicated that the target exploration area has a situation where the corresponding exploration resources are needed, so that the target exploration area can be covered more comprehensively by rounding the proportional value upward, and timeliness and comprehensiveness of the exploration are ensured.
As shown in fig. 5, in this embodiment, based on the uncertainty of the touring survey resources such as the network car appointment survey resources and the designated driving survey resources, the uncertainty means that even if the network car appointment or the designated driving occurs at the vehicle insurance survey task location, the vehicle insurance survey may be in other task states and the survey cannot be performed based on the working property of the uncertainty, and at this time, in order to ensure the timely progress of the survey, the following steps are taken in this embodiment:
step S1081: and judging whether the exploration resources have the situation that the exploration cannot be carried out.
In particular embodiments, by determining the actual state of the survey resource, which refers to whether it can perform a survey operation of a vehicle insurance survey task, it can be determined whether the survey resource in the target survey area satisfies timely execution of all vehicle insurance survey tasks in the entire area.
Step S1082: when the survey resource cannot be surveyed, adjusting the target capacity quantity corresponding to the target survey area by a preset second readjustment coefficient.
In a specific embodiment, if there is a part of survey resources that cannot execute the corresponding survey task, in order to solve the situation of the impossible survey and to achieve timeliness and coverage of the survey in the target survey area, the number of target transportation capacity in the target survey area is adjusted by the second adjustment factor. For example, the network appointment vehicle is taken as an investigation resource, for example, at an early peak or a late peak, due to an owner reason, such as the network appointment vehicle investigation resource, during this time period, the network appointment vehicle may be in its own receiving and sending tasks (i.e. in a case of a client taking a vehicle), which results in that the rate of vehicle insurance investigation tasks that the network appointment vehicle can perform is greatly reduced, i.e. when the network appointment vehicle is in a target investigation region, it cannot perform the investigation tasks in the region that the network appointment vehicle is originally allocated, it is assumed that only 1 network appointment vehicle is originally required to perform the corresponding vehicle insurance investigation tasks in a certain region, and during this time period, there are cases that 4 network appointment vehicles are performing their own industry at the same time, at this time, at least 5 network appointment vehicles are required to generate the corresponding vehicle insurance tasks, and therefore, at this time, the second readjustment factor is 5 or any positive number greater than 5; certainly, in order to ensure the most effective utilization of the survey resources and simultaneously realize the timely survey operation on all the possible car insurance quantities in the target survey area, i.e. ensure that the survey resources can completely cover the target survey area, the second readjustment coefficient of the embodiment is the minimum value on the premise that the survey task can be completed; in the case described above, when the second adjustment factor can be any positive number greater than 5 or 5, the second adjustment factor is 5, and thus effective coverage of the exploration resources of the target exploration area can be achieved.
In this embodiment, in order to prevent the entire target viewing area from still effectively executing the vehicle insurance survey task when part of the survey resources cannot execute the vehicle insurance survey task, the value of the second readjustment coefficient of this embodiment is set within [1, + ∞ ].
Step S1083: and calculating the product of the target transport capacity quantity and the second readjustment coefficient, and determining the target distribution quantity according to the product and the updated target transport capacity quantity.
In this embodiment, the second adjustment coefficient is set according to a situation that the survey resource cannot execute the survey task, so as to adjust the target allocation number of the target survey area, specifically, the product of the target transportation capacity number and the second adjustment coefficient is calculated, and the product is multiplied by the target transportation capacity number to obtain the target allocation number, which may specifically be obtained by the following formula:
calculating to obtain target distribution quantity N, wherein X represents the quantity of target transport capacity of single layer of corresponding target survey area after updating according to the first readjustment coefficient,INT represents a numerical value rounding operation, M represents a vehicle insurance quantity average value, s represents an area value of a target exploration area, a represents a road tortuosity adjustment coefficient, v represents an exploration speed of exploration resources, h represents exploration timeliness, b represents a first readjustment coefficient when repeated exploration occurs among the exploration resources, and c represents a second readjustment coefficient when the exploration resources cannot execute an exploration task.
Wherein the target transport capacity number of the single layer represented by X is: under normal conditions, the quantity of the exploration resources distributed to the target exploration area is corresponding to a first ratio between the area of the target exploration area and the target radiation area of each exploration resource.
The resource allocation method for vehicle insurance exploration in the embodiment can realize reasonable allocation of the same type of exploration resources in the target exploration area, ensure the coverage rate and uniform distribution of the exploration resources in the whole target exploration area, and ensure that the exploration resources can carry out vehicle insurance exploration operation in time.
In one embodiment, different types of survey resources may be replaced in the same target survey area, which includes the following steps: acquiring the current target distribution quantity corresponding to the current survey resource and the alternative target distribution quantity corresponding to the alternative survey resource; and then calculating a second ratio of the allocation quantity of the substitute targets to the allocation quantity of the current targets, and replacing the current exploration resources with the substitute exploration resources with the corresponding quantity according to the second ratio to execute the exploration task. Illustratively, for example: if the current survey resource is a network car booking resource, 400 network car booking can be needed in the target survey area to ensure the timely execution of the car insurance survey task; the substitute exploration resource is designated driving, 600 designated driving is needed in the target exploration area to ensure the timely execution of the vehicle insurance exploration task, the corresponding second ratio is 1.5, and 1.5 designated driving is urgently needed to replace one network appointment vehicle to realize the corresponding vehicle insurance exploration task; because the survey resource is a complete individual, one network taxi appointment needs 2 corresponding drivers to execute the same vehicle insurance survey task, and thus, in the target survey area, 800 drivers are needed to complete 400 vehicle insurance survey tasks executed by the network taxi appointment.
Based on the substitutability of the survey resources between different types, the method for allocating vehicle insurance survey resources according to this embodiment is applicable to different areas, for example, to allocate different survey resources between different cities, or to substitute different survey resources between different areas of the same city on the premise of ensuring coverage of the survey resources in the target survey area, and so on. Determining the target radiation area which can be reached by a survey resource based on the survey hourly speed, the survey timeliness and the road tortuosity adjustment coefficient, and determining the target transport capacity quantity according to different area values corresponding to different target survey areas and a first ratio of the target radiation area to ensure the coverage rate of the survey resource to the target survey areas; and adjusting the quantity of the survey resources in the target survey area under the condition that the survey resources are repeatedly surveyed based on the first readjustment coefficient according to the actual condition, and adjusting the quantity of the survey resources in the target survey area when the survey resources cannot be surveyed based on the second readjustment coefficient so as to ensure that the survey resources can be used for surveying the vehicle insurance in the target survey area in time and ensure the efficiency of the survey.
The resource allocation method and the resource allocation device can achieve reasonable and effective allocation of different types of exploration resources, allocate exploration resources according to different regional exploration resource types, reduce cost investment of the exploration resources to a certain extent, and achieve maximum utilization of the different types of exploration resources.
Based on the same inventive concept, an embodiment of the present invention provides an apparatus 100 for allocating vehicle insurance survey resources, as shown in fig. 6, including:
the vehicle insurance obtaining module 101 is used for obtaining the average value of the vehicle insurance quantity of the target survey area in a set time quantum; the first calculation module 102 is configured to calculate a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time limit and a preset road tortuosity adjustment coefficient; the second calculation module 103 is used for calculating a first ratio of the area value of the target survey area to the target radiation area; the third calculation module 104 is used for calculating a proportionality coefficient between the average value of the vehicle insurance quantity and the target transportation capacity quantity; and the resource allocation module 105 is used for determining the target allocation quantity of the survey resources in the target survey area according to the proportionality coefficient.
It should be noted that, the implementation of the vehicle insurance survey resource allocation apparatus in this embodiment is consistent with the implementation idea of the vehicle insurance survey resource allocation method, and the implementation principle thereof is not described herein again, and specific reference may be made to the corresponding contents in the method.
After the method and the device for allocating the vehicle insurance exploration resources are adopted, the average value of the vehicle insurance quantity of the target exploration area is obtained in a set time quantum; calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient; calculating a first ratio of an area value of the target survey area to a target radiation area as a target capacity quantity corresponding to the target survey area; and calculating a proportionality coefficient between the average value of the number of the vehicle insurance and the number of the target transportation capacity, and determining the target distribution number of the exploration resources in the target exploration area according to the proportionality coefficient. The method can adapt to target survey areas with different layouts, achieves reasonable distribution of different types of survey resources, ensures comprehensive coverage of the survey resources on the target survey areas, and can improve the precision and efficiency of survey.
FIG. 7 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may specifically be a server or a terminal. As shown in fig. 7, the computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may further store a computer program, and the computer program, when executed by the processor, may cause the processor to implement the vehicle insurance survey resource allocation method. The internal memory may also have a computer program stored therein, which when executed by the processor, causes the processor to perform the vehicle insurance survey resource allocation method. Those skilled in the art will appreciate that the architecture shown in fig. 7 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as a particular computing device may include more or less components than those shown in fig. 7, or may combine certain components, or have a different arrangement of components.
In one embodiment, the method for allocating vehicle insurance survey resources provided by the present application may be implemented in the form of a computer program, which is executable on a computer device as shown in fig. 7. The memory of the computer device may store various program modules constituting the vehicle insurance survey resource allocation apparatus. Such as resource allocation module 105, etc.
In one embodiment, a computer device is proposed, comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of: acquiring the average value of the vehicle insurance quantity of a target survey area in a set time quantum; calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient; calculating a first ratio of an area value of the target survey area to the target radiation area as a target capacity number corresponding to the target survey area; and calculating a proportionality coefficient between the average vehicle insurance quantity and the target transport capacity quantity, and determining the target distribution quantity of the exploration resources in the target exploration area according to the proportionality coefficient.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The above disclosure is only for the purpose of illustrating the preferred embodiments of the present invention, and it is therefore to be understood that the invention is not limited by the scope of the appended claims.
Claims (10)
1. A method for allocating vehicle insurance survey resources is applied to allocation of a plurality of survey resources, and comprises the following steps:
acquiring the average value of the vehicle insurance quantity of a target survey area within set time;
calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient;
calculating a first ratio of an area value of the target survey area to the target radiation area as a target capacity number corresponding to the target survey area;
and calculating a proportionality coefficient between the average vehicle insurance quantity and the target transport capacity quantity, and determining the target distribution quantity of the exploration resources in the target exploration area according to the proportionality coefficient.
2. The method for allocating resources for vehicle insurance survey according to claim 1, wherein before calculating the target radiation area corresponding to each survey resource based on the preset survey speed-per-hour, the survey time-base and the preset road tortuosity adjustment coefficient, the method further comprises:
determining an exploration type corresponding to the exploration resource, wherein the exploration type comprises a public estimation exploration type and an tour exploration type;
and determining survey speed-per-hour, survey timeliness and road tortuosity adjusting coefficients corresponding to the survey resources according to the survey type and the target survey area.
3. The vehicle insurance survey resource allocation method of claim 1, wherein said calculating a first ratio of the area value of the target survey area to the target radiation area as a target capacity quantity corresponding to the target survey area comprises:
judging whether any two or more than two survey resources have the condition of position overlapping;
and when the survey resources are overlapped in position, adjusting the target transport capacity quantity corresponding to the target survey area by using a preset first readjustment coefficient.
4. The method of claim 3, wherein the adjusting the amount of the target transportation capacity corresponding to the target survey area by a predetermined first readjustment factor comprises:
and calculating a proportional value of the target transport capacity quantity and the first readjustment coefficient, and updating the target transport capacity quantity of the target survey area according to the proportional value, wherein the value of the proportional value is greater than zero.
5. The method of claim 4, wherein the calculating a ratio of the target capacity amount to the first readjustment factor and the updating the target capacity amount of the target survey area according to the ratio comprises:
judging whether the proportional value is an integer or not, and taking the proportional value as the updated target transport capacity quantity when the proportional value is the integer;
and when the proportional value is not an integer, rounding up the proportional value, and taking a numerical value obtained by rounding up the proportional value as the updated target capacity quantity.
6. The method of claim 5, wherein said calculating a scaling factor between the mean of the number of vehicle insurance and the target capacity number, and determining the target allocation number of the survey resource in the target survey area based on the scaling factor comprises:
judging whether the investigation resources have the situation that the investigation cannot be carried out or not;
when the exploration resource cannot be surveyed, adjusting the target transport capacity quantity corresponding to the target exploration area by a preset second readjustment coefficient;
and calculating the product of the target transport capacity quantity and the second readjustment coefficient, and determining the target distribution quantity according to the product and the updated target transport capacity quantity.
7. The method of claim 6, wherein after determining the target allocation amount of the survey resource in the target survey area based on the scaling factor, further comprising:
acquiring the current target distribution quantity corresponding to the current survey resource and the alternative target distribution quantity corresponding to the alternative survey resource;
and calculating a second ratio of the alternative target allocation quantity to the current target allocation quantity, and replacing the current surveying resource with the alternative surveying resource of the corresponding quantity according to the second ratio to execute the surveying task.
8. An apparatus for allocating resources for vehicle insurance survey, comprising:
the vehicle insurance obtaining module is used for obtaining the average value of the vehicle insurance quantity of the target survey area in a set time quantum;
the first calculation module is used for calculating a target radiation area corresponding to each survey resource based on a preset survey speed per hour, a survey time and a preset road tortuosity adjustment coefficient;
a second calculation module for calculating a first ratio of an area value of the target survey area to the target radiation area;
the third calculation module is used for calculating a proportionality coefficient between the average vehicle insurance quantity and the target transportation capacity quantity;
a resource allocation module for determining a target allocation number of the survey resources in the target survey area according to the scaling factor.
9. A terminal comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, wherein the processor, when executing the computer program, implements the vehicle insurance survey resource allocation method of any one of claims 1-7.
10. A computer readable storage medium comprising computer instructions which, when executed on a computer, cause the computer to perform the vehicle insurance survey resource allocation method of any one of claims 1 to 7.
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| CN111476464A (en) * | 2020-03-20 | 2020-07-31 | 中保车服科技服务股份有限公司 | Method, device and equipment for scheduling survey resources based on grids and readable medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111476464A (en) * | 2020-03-20 | 2020-07-31 | 中保车服科技服务股份有限公司 | Method, device and equipment for scheduling survey resources based on grids and readable medium |
| CN111476464B (en) * | 2020-03-20 | 2024-05-28 | 中保车服科技服务股份有限公司 | Method, device, equipment and readable medium for scheduling exploration resources based on grid |
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Application publication date: 20200221 |