Risk modeling method, risk matching method, device, equipment and medium

A technology for risk model and method establishment, applied in the computer field, which can solve the problems of time-consuming manual verification, slow manual verification, and insufficient verification.

Pending Publication Date: 2018-12-21
CHINA PING AN LIFE INSURANCE CO LTD
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AI Technical Summary

Problems solved by technology

[0002] At present, more and more people choose to buy insurance. For insurance companies, whether the insured customers have the risk of claim settlement mainly depends on manual verification, and through manual verification, there may be some cases of insufficient verification or subjective judgment errors. Not only It takes time for manual verification, and the speed of manual verification is slow

Method used

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  • Risk modeling method, risk matching method, device, equipment and medium
  • Risk modeling method, risk matching method, device, equipment and medium
  • Risk modeling method, risk matching method, device, equipment and medium

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Embodiment Construction

[0042] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. According to the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0043] The risk model establishment method provided by the embodiment of the present invention can be applied in such as figure 1 An application environment in which a client communicates with a server over a network. Among them, the clients can be but not limited to various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices. The server can be implemented by an independent server or a server c...

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Abstract

The invention discloses a risk model establishing method, a risk matching method, an equipment and a medium. The risk model establishing method comprises the following steps: obtaining at least one claim information table, wherein each claim information table corresponds to a customer ID and an insurance type; obtaining at least one claim information table. Calculating a first claim frequency corresponding to each customer ID and a second claim frequency corresponding to each insurance type, and determining a target customer ID and a target insurance type according to the first claim frequencyand the second claim frequency; Inquire the insurance information table according to the target customer ID to obtain the customer characteristic dimension, and inquire the insurance information table according to the target insurance type to obtain the insurance characteristic dimension; According to the customer characteristic dimension and the insurance type characteristic dimension, the decision tree algorithm is used to model and obtain the risk model. This risk modeling method effectively solves the problem of slow and time-consuming manual verification.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a method for establishing a risk model, a method for risk matching, a device, computer equipment and a storage medium. Background technique [0002] At present, more and more people choose to buy insurance. For insurance companies, whether the insured customers have the risk of claim settlement mainly depends on manual verification, and through manual verification, there may be some cases of insufficient verification or subjective judgment errors. Not only It takes time for manual verification, and the speed of manual verification is slow. Contents of the invention [0003] Based on this, it is necessary to provide a risk model building method, device, computer equipment and storage medium capable of quickly building a risk model for the above technical problems. [0004] A method for establishing a risk model, comprising: [0005] Obtain at least one claim informat...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q10/06
CPCG06Q40/08G06Q10/0635
Inventor 丘健
Owner CHINA PING AN LIFE INSURANCE CO LTD
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