Claims business data processing method and device, electronic equipment and server

Abstract

An embodiment of the invention discloses a claims business data processing method and device, electronic equipment and a server. The method includes: acquiring risk data of vehicle insurance users, wherein the risk data include evaluation data which represent deception risks of the vehicle insurance users; judging whether to perform online claims settlement or not on the basis of claims associatedinformation, and if yes, synchronizing vehicle insurance case information to a terminal server, wherein the claims associated information includes the risk data and user accounts belonging to the terminal server; determining loss assessment results of vehicle insurance cases on the basis of received claims information, and sending the loss assessment results to the terminal server, wherein the claims information includes at least one of shot images of vehicles in accident and recorded user identification data.

Description

technical field [0001] The embodiment solutions of this specification belong to the technical field of computer data processing, and in particular relate to a data processing method, device, electronic equipment, and server for claim settlement business. Background technique [0002] With the development of the economy, the number of motor vehicles continues to increase. At present, auto insurance has become one of the largest types of insurance in China's property insurance business. When the vehicle is in danger, it needs to enter the claims process. The traditional claims processing process is mainly to call the insurance company and wait for the on-site inspection by the insurance operators. After the inspection, go to the repair shop to determine the damage, verify the damage, and verify the price, and then pay the claim. Generally speaking, the whole process usually takes more than a week, and the timeliness is poor and the user experience is poor. [0003] In some e...

AI Technical Summary

Problems solved by technology

Due to the low frequency of use and low risk expectations, the terminal APP launched by the insurance company is currently less pre-installed on the user terminal. In most cases, the user needs to turn on the mobile phone to download on-site after the accident, or the insurance company guides the user to install, register and use. etc., the operation process is complicated, and the user experience is poor

Moreover, in the processing of auto insurance claims, “fraudulent data” such as fraudulent insurance, falsification of car damage sites, and information tampering often occur. Traditional insurance companies can only identify high-risk users through “blacklists” and lack credit-related data. , leading to a greater risk of fraud in the auto insurance claims business

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