Insurance claim settlement method and device, computer equipment and storage medium

Abstract

The invention discloses an insurance claim settlement method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining an insurance claim settlement request which comprises claim settlement information; inputting the claim settlement information into a preset risk control data calculation model for calculation to obtain claim settlement risk control data, the claim settlement risk control data comprising K claim settlement factors and a claim settlement risk coefficient corresponding to each claim settlement factor, and K being a positive integer; calculating to obtain a risk control score value corresponding to the claim settlement information by adopting a calculation formula; if the risk control score value is smaller than a score threshold value, determining an insurance corresponding to the claim settlement information as a to-be-claimed insurance; and performing claim settlement on the to-be-claimed insurance according to the claim settlement risk control data of the to-be-claimed insurance. According to the insurance claim settlement method, the insurance claim settlement efficiency is improved while the risk management and control capability of insurance claim settlement is ensured.

Description

Technical field [0001] The invention relates to the field of intelligent decision-making, and in particular to an insurance claim settlement method, device, computer equipment and storage medium. Background technique [0002] With the development of Internet finance and e-commerce, people use the Internet to conduct transactions, payments, and lending. Usually, in the process of lending and payment, risk control assessment becomes very critical. Taking insurance claims in the insurance field as an example, there may be cases of misreporting and false reporting by claim users for fraudulent insurance, or even falsely high loss assessment and compensation for claims, which makes it difficult for insurance companies to guarantee risk control and affects company earnings. [0003] The existing risk control system uses manual experience for risk control, and the human factors in it will affect the risk control ability, thereby affecting the risk ability of insurance claims, which in tur...

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention also provides an insurance claim settlement method, device, equipment, and medium to solve the problems of low insurance claim settlement risk management and control capabilities and low claim settlement efficiency

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