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Claims risk assessment method, device and server

A risk assessment and algorithm technology, applied in the field of insurance applications, can solve problems such as setting auto insurance premiums, and achieve the effect of reducing the interference of prediction results, improving accuracy and stability

Active Publication Date: 2019-01-29
TENCENT TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
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  • Application Information

AI Technical Summary

Problems solved by technology

[0006] In view of this, the embodiment of the present application provides a claim settlement risk assessment method, device and server, which solves the technical problem that the prior art cannot reasonably set auto insurance premiums according to the characteristics of different policyholders

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  • Claims risk assessment method, device and server
  • Claims risk assessment method, device and server
  • Claims risk assessment method, device and server

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Embodiment Construction

[0040] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0041] Combined with the analysis in the background technology section, the input of the traditional forecasting model mostly uses vehicle-related variables, and rarely considers the factors related to the owner and his behavior that affect the risk of claim settlement, that is, the human factor, even if it is considered, it is only gender, age, etc. For some basic characteristics, there are very few descriptions of car owners, resulting in low accuracy of the predicted payout ratio,...

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Abstract

The embodiment of that present application provide a claim risk assessment method Devices and Servers, by utilizing a variety of behavioral data of the user to be estimated, the initial characteristicdata of the first quantity dimension is obtained by preprocessing, feature selection algorithm is used to filter the features, and the feature variables of the second quantity dimension are obtained,which are divided into the feature sets of the third quantity type, and then the feature variables of the feature sets of the third quantity type are calculated by machine learning algorithm, and thetarget compensation rate of the users to be estimated is determined. This shows, in predicting the claim risk of the user, taking into full consideration the influence of the parties of the users tobe evaluated on the claim settlement risk, thousands of input variables are obtained, which reduces the disturbance of individual input variables to the prediction results, and improves the accuracy and stability of the user claim risk assessment, so that the service personnel can conveniently specify reasonable and reliable insurance and claim settlement scheme for the users to be evaluated.

Description

technical field [0001] This application relates to the field of insurance applications, in particular to a claim settlement risk assessment method, device and processing server. Background technique [0002] Since the reform and opening up, with the continuous development and growth of my country's insurance industry, the functions and roles of insurance in the economic society have become more and more prominent. In particular, auto insurance (referred to as auto insurance) has developed rapidly in more than 30 years, contributing to economic and social development. It provides an important guarantee for the stability of people's lives. However, in recent years, the comprehensive ratio of the industry has remained high, and the development concept of auto insurance has gradually changed from "sales is king" to "fine management". Moreover, in the current auto insurance rate models commonly used in the industry, the data dimensions used for pricing are usually relatively smal...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06K9/62
CPCG06Q40/08G06F18/2113G06F18/214
Inventor 陈培炫段培陈玲陈谦
Owner TENCENT TECH (SHENZHEN) CO LTD
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