Intelligent underwriting platform based on rule engine

Abstract

The invention discloses an intelligent underwriting platform based on a rule engine. The intelligent underwriting platform is based on a SOA (service-oriented architecture) framework system; the platform is provided with a BI (business intelligence) module, an ESB (enterprise service bus), a rule engine module, a database and a rule base; the database is used for organizing, storing and managing business data; the rule base is used for organizing, storing and managing rule data; the BI module is used for collecting, managing and mining business data; the ESB is used for providing open interfaces and is connected with the BI module, the rule engine module and the database; the rule engine module is used for analyzing, calling, executing and generating a rule package; the rule engine module comprises a rule generator; and the rule generator is used for inputting data from the BI module, the database and the rule base, generating underwriting rules and outputting the underwriting rules to the rule base. The intelligent underwriting platform based on the rule engine is convenient for quick underwriting of underwriting personnel and can generate new practical underwriting rules at any time, so that the intelligent underwriting platform can be applied to the field of life insurance industry.

Description

technical field [0001] The invention relates to an underwriting platform in the field of insurance underwriting, in particular to an intelligent underwriting platform based on a rule engine. Background technique [0002] At present, the explosive growth of information faced by insurance companies has far exceeded the existing processing and response capabilities. According to statistics, 80% of new data information comes from unstructured content such as e-mails, documents, images, videos, and audios. Key information cannot be obtained when making decisions, and 50% of enterprise content cannot bring business value to the enterprise. For most insurance companies, the platforms and technologies adopted by different information systems (for example: information communication protocols, information exchange formats, application deployment platforms, etc.) are very different. These application systems are independent and separated from each other, and cannot be It is difficult...

AI Technical Summary

Problems solved by technology

According to statistics, 80% of new data information comes from unstructured content such as e-mails, documents, images, videos, and audios. Key information cannot be obtained when making decisions, and 50% of enterprise content cannot bring business value to the enterprise

For most insurance companies, the platforms and technologies adopted by different information systems (for example: information communication protocols, information exchange formats, application deployment platforms, etc.) are very different. These application systems are independent and separated from each other, and cannot be It is difficult to communicate, and the phenomenon of so-called "information islands" will inevitably appear. Whether between enterprises or within enterprises, resources cannot be effectively optimized and shared. How to effectively connect scattered and independent information islands has become an important issue for enterprises. An urgent problem to be solved; in addition, most insurance companies’ underwriting rules are formulated by the insurance company’s business department based on experience and business events, lacking reference and analysis of underwriting knowledge. , from the formulation of underwriting requirements to the realization of the systematization of underwriting requirements, the IT cycle has lagged behind the requirements of business requirements; and in the current underwriting system architecture, its rule logic is directly embedded in the program code, or written in the business application statement In the same file, the business logic of the actual application is constantly changing, and the information routing file needs to be updated and edited in real time. In this way, the core system framework is complicated and complicated during the frequent system changes, which makes the processing efficiency of the underwriting platform low.

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