Industry Reality

One-size-fits-all products fail to meet consumers’ diversifying needs. Consumers want their own products on an individualized basis. Insurance, auto insurance in particular, is a data-intensive business. The development of information technology empowers auto insurance operation with abundant and accurate data. Big data are extensively applied to assess risk, facilitate claims, enhance customer experience and increase the accuracy of insurers’ forecasts.
Our Strengths

Auto insurance solutions leverage the real-time data collected from vehicles, persons and environment as well as analytical insights from the transport sector, and provide insurance companies with customizable services on pre-underwriting user screening, product pricing, onsite inspection, loss assessment, claim handling, risk reinsurance, anti-fraud and other business units.

Mega data mining

Big data is integrated with IOT, AI and other core technologies and enabling total solutions for insurers.

Big data integrated with other technologies and applied to vehicle insurance
应用场景
标签模块
精准营销与服务
产品创新与定价
大数据风控
高级标签
模型标签
事实标签
原始数据
使用次数
活跃天数
用户基本信息
熄火地方
驾驶里程
点火地点
驾驶次数
人群属性
人口属性
购物偏好
出行偏好
驾驶偏好
活跃度
用车偏好
种子用户
消费能力
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智能核保
高风险业务筛查
高风险业务风险防御
货车车辆风险筛选工具:
结合多维数据,准确评估全国营业车辆风险,全面提升定价及销售能力
能源车风险筛选工具:
整合车载设备数据,预判和识别新能源车高风险投保行为
货车信用报告
渣土监管应用方案
出租车网约车嵌入式应用
智能定价
费折联动自动定价工具:
一站式解决车险价格策略管理和销售政策生成所需的所有难题

基于物联网设备采集的行车动态数据,通过机器学习算法建立模型,自动提供风险因子指标数据,包括驾驶行为评分等,使车险定价更精准。
用户行为分析
个性化服务
交叉销售
“从车+从人”车险风险因子
费折联动自动定价
欺诈行为大数据预测建模
Scenarios Of Application
标签模块(2)
Precision marketing and services
Product innovation and pricing
Big data powered risk management
Advanced labels
Model labels
Factual labels
Raw data
Frequency of utilization
Number of active days
Basic user information
Vehicle parameters
Driving data
Behavioral data
User label streamlining
Label building: demographic attributes, vehicle attributes, weather, app user behavior, geographic attributes, user tiering, user preferences, vehicle status and other factual labels and model labels .
Label building
Raw data, factual labels, model labels and advanced labels.
Enabled by user labels
Precision marketing: message pushing, ads placement and individualized recommendation
Locations of engine stalling
Mileage of driving
Locations of engine ignition
Frequency of driving
Segment Attributes
User Profiling
Demographic attributes
Shopping preferences
Mobility preferences
Driving preferences
Level of activity
Vehicle utilization preferences
Seed Users
Purchasing Power
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Intelligent underwriting
High-risk business screening
Risk protection for high-risk business
Truck risk screener
Analyze multidimensional data to accurately assess the risks of commercial vehicles nationwide and comprehensively enhance pricing and sales capabilities
NEV risk screener
Predict and identify high-risk insurance with data from onboard devices.
Truck credit report
Architectural waste vehicle supervision solution
Intelligent pricing
Automatic pricing tool interlinks sales expense and discount:
Resolve all difficulties caused by pricing strategy management and sales policy formulation

Automatically provide driving behavior score and other risk factor data to make insurance pricing more accurate, based on vehicle dynamics data collected by IOT devices and models created by machine learning algorithms
Ride data
Shock data
Fraud Protection For Claims
Acceleration data
Idling data
Fault data
Accident verification, risky client screening and fraud alerts
Weather and map data
Speed data
User behavior analysis
Tailor-made services
Cross-selling
Risk factors based on both vehicles and persons
Automatic pricing interlinking expense and discounts
Predictive models built with big data on fraudulent behaviors
Contact us
TEL: 4006-608-608                    ADD:Building 3, Shidai E-Park, no.227, Gaotang Road, Tianhe District, Guangzhou
Customer service mailbox:service@ecpark.cn
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