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1. (WO2019006373) VEHICLE INSURANCE RISK PREDICTION METHOD AND APPARATUS, AND SERVER
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Pub. No.: WO/2019/006373 International Application No.: PCT/US2018/040407
Publication Date: 03.01.2019 International Filing Date: 29.06.2018
IPC:
G06Q 40/08 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08
Insurance, e.g. risk analysis or pensions
Applicants:
ALIBABA GROUP HOLDING LIMITED; Fourth Floor, One Capital Place P.O. Box 847 George Town, KY
Inventors:
LEI, Yuxiang; CN
LI, Guanru; CN
DING, Wei; CN
HUANG, Jing; CN
TAN, Chunping; CN
CHEN, Shiyi; CN
SHI, Mingqian; CN
ZHAO, Peilin; CN
LI, Longfei; CN
ZHANG, Zhiqiang; CN
Agent:
STALFORD, Terry, J.; US
Priority Data:
201710525064.730.06.2017CN
Title (EN) VEHICLE INSURANCE RISK PREDICTION METHOD AND APPARATUS, AND SERVER
(FR) PROCÉDÉ ET APPAREIL DE PRÉDICTION DE RISQUE D'ASSURANCE DE VÉHICULE, ET SERVEUR
Abstract:
(EN) Personal attribute information of a vehicle insurance user is obtained, where the personal attribute information includes at least one of natural attribute information, social attribute information, and behavior data of the vehicle insurance user. The personal attribute information is processed by using a pre-constructed vehicle insurance risk prediction algorithm configured to predict the vehicle insurance risk associated with the vehicle insurance user. Vehicle insurance is generated for the vehicle insurance user based on the vehicle insurance risk.
(FR) Selon la présente invention, des informations d'attribut personnel d'un utilisateur d'assurance de véhicule sont obtenues, les informations d'attribut personnel comprenant des informations d'attribut naturel, des informations d'attribut social et/ou des données de comportement de l'utilisateur d'assurance de véhicule. Les informations d'attribut personnel sont traitées à l'aide d'un algorithme de prédiction de risque d'assurance de véhicule pré-construit configuré pour prédire le risque d'assurance de véhicule associé à l'utilisateur d'assurance de véhicule. Une assurance de véhicule est générée pour l'utilisateur d'assurance de véhicule sur la base du risque d'assurance de véhicule.
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)