Insurance product recommendation method based on Internet of Vehicles data

The invention provides an insurance product recommendation method based on Internet of Vehicles data. The insurance product recommendation method comprises the following steps: S1, acquiring user information by using an Internet of Vehicles technology; s2, establishing a user owner identity judgment model, and judging whether the user owner identity is a full-time driver or not according to the user information; s3, establishing a loss payment risk assessment model, and performing loss payment risk level assessment by using data analysis and machine learning technologies in combination with the user owner identity; and S4, calculating the insurance product purchasing power of the user according to the identity of the owner of the user, and recommending the insurance product type and the insurance amount range suitable for the user to purchase according to the purchasing power of the user and the claim payment risk level evaluation result. According to the method, the user information is acquired by using the