1. Huazhong University of Science and Technology, Alibaba Group, Wuhan, China
2. Alibaba Group, Hangzhou, China
3. Huazhong University of Science and Techonology, Joint Laboratory of HUST and Pingan Property & Casualty Research (HPL), Wuhan, China
4. Beijing Institute of Technology, Beijing, China
5. Ping An Property & Casualty Insurance company of China, Ltd, Shenzhen, China