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Risk identification method and device for vehicle insurance claim settlement case, equipment and storage medium

A risk identification and case technology, applied in the field of big data analysis, can solve the problems of high risk of auto insurance claims, high anti-fraud, low efficiency, etc., and achieve the effect of reducing amount leakage

Inactive Publication Date: 2019-06-21
德联易控科技(北京)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The invention provides a risk identification method, device, electronic equipment and storage medium for auto insurance claim settlement cases, which solves the problems of high risk of auto insurance claim settlement, high cost of anti-fraud, and low efficiency

Method used

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  • Risk identification method and device for vehicle insurance claim settlement case, equipment and storage medium
  • Risk identification method and device for vehicle insurance claim settlement case, equipment and storage medium
  • Risk identification method and device for vehicle insurance claim settlement case, equipment and storage medium

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Embodiment 1

[0051] The embodiment of the present invention of the present application provides a risk identification method for auto insurance claim settlement cases, such as figure 1 As shown, the method includes: step S101, step S102, step S103 and step S103S104.

[0052] Step S101, acquiring case information of historical auto insurance claim cases.

[0053] Specifically, the data source of historical auto insurance claim cases may be the auto insurance claim case data of an insurance company with a cooperative relationship in a certain period of time in the past.

[0054] Among them, the case information includes the time when the accident occurred, the person who reported the case, the time when the case was reported, the reason for the occurrence, and the type of case risk. If it is not a case of fraud, it can also give information such as the amount of money that the insurance company eventually paid out, the list of spare parts for vehicle repair or replacement, and the price rat...

Embodiment 2

[0082] The embodiment of the present invention of the present application provides a risk identification device for auto insurance claims, such as Figure 4 As shown, the risk identification device for the auto insurance claim case may include: a data acquisition module 401, a feature extraction module 402, a model training module 403 and a risk identification module 404, wherein,

[0083] A data acquisition module 401, configured to acquire case information of historical auto insurance claims;

[0084] A feature extraction module 402, configured to perform data analysis on the case information of the historical auto insurance claim cases, so as to extract feature information corresponding to cases of different risk types;

[0085] The model training module 403 is used to perform anti-fraud model training according to the feature information corresponding to cases of different risk types;

[0086] The risk identification module 404 is configured to identify the risk type of t...

Embodiment 3

[0099] An embodiment of the present invention provides an electronic device, such as Figure 5 as shown, Figure 5 The electronic device 500 shown includes: a processor 5001 and a transceiver 5004 . Wherein, the processor 5001 is connected to the transceiver 5004 , such as through a bus 5002 . Optionally, the electronic device 500 may further include a memory 5003 . It should be noted that in practical applications, the transceiver 5004 is not limited to one, and the structure of the electronic device 500 does not limit the embodiment of the present invention.

[0100] The processor 5001 may be a CPU, a general processor, DSP, ASIC, FPGA or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. It can implement or execute the various illustrative logical blocks, modules and circuits described in connection with the present disclosure. The processor 5001 may also be a combination that implements computing functions, for e...

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Abstract

The embodiment of the invention provides a risk identification method and device for a vehicle insurance claim settlement case, equipment and a storage medium. The method comprises the steps of obtaining case information of a historical vehicle insurance claim settlement case; Performing data analysis on the case information of the historical vehicle insurance claim cases to extract feature information corresponding to cases of different risk types; Performing anti-fraud model training according to the feature information corresponding to the cases of different risk types; And performing risktype identification on a to-be-identified vehicle insurance claim settlement case according to the anti-fraud model obtained through training. The method solves the problems of high risk, high anti-fraud cost and low efficiency of vehicle insurance claim settlement, and effectively reduces the amount leakage caused by loss error.

Description

technical field [0001] The present invention relates to the technical field of big data analysis. Specifically, the present invention relates to a method, device, equipment and storage medium for risk identification of auto insurance claim cases. Background technique [0002] With the development of the insurance industry, various insurance industries have developed rapidly, especially the auto insurance industry. Auto insurance claims need to determine the vehicle model first, and then determine the price of the corresponding accessories according to the vehicle model. In the process of completing the damage determination, there are often some fraudulent or leakage behaviors. Among them, fraudulent behavior refers to the behavior of defrauding a claim for a case that does not belong to the insurance liability itself. For example, a user reports a case, but after verification, it is found that the car accident occurred was a forged car accident scene by the reporter himself....

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06K9/62
Inventor 王晓春
Owner 德联易控科技(北京)有限公司
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