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Model training and business risk control method and device

A model training and risk control technology, applied in the Internet field, can solve problems such as low operation efficiency and increase the workload of salespersons.

Pending Publication Date: 2021-01-01
BEIJING SANKUAI ONLINE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, insurance companies still use manual verification to check the health status of insured customers, which not only greatly increases the workload of salespersons, but also reduces operating efficiency.

Method used

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  • Model training and business risk control method and device
  • Model training and business risk control method and device
  • Model training and business risk control method and device

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Embodiment Construction

[0084] In order to make the purpose, technical solution and advantages of this specification clearer, the technical solution of this specification will be clearly and completely described below in conjunction with specific embodiments of this specification and corresponding drawings. Apparently, the described embodiments are only some of the embodiments in this specification, not all of them. Based on the embodiments in this specification, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of this specification.

[0085] The embodiment of the present specification can be used for risk control of the insurance business, wherein the insurance business includes two business stages, which are respectively the insurance application review stage and the claim settlement review stage.

[0086] In the embodiment of this specification, the two business stages of the insurance business correspond to a risk con...

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PUM

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Abstract

The invention discloses a model training and business risk control method and device. In the specification, a business platform determines each basic feature and a plurality of additional features asrisk control features according to acquired historical first business data and user attribute data of a user, and then determines a risk control data interval corresponding to the risk control featurefor each risk control feature; The platform inputs the feature data, which is determined from the historical first business data and the user attribute data of the user and is located in the risk control data interval corresponding to each risk control feature, into a risk control model to be trained, acquires a risk control model by training, and carries out business risk control on a second business by using the trained risk control model. Thus, in the embodiment of the specification, the risk control model obtained by training can be used for performing business risk control on the insurance business as second business, so that auditing workload of workers is reduced, and business execution efficiency is improved.

Description

technical field [0001] This specification relates to the field of Internet technology, and in particular to a method and device for model training and business risk control. Background technique [0002] With the development of social economy and the improvement of people's living standards, the insurance business is getting more and more attention from the public. In the past, when customers purchased insurance offline, insurance companies usually used manual verification to review the health status of the insured customer to determine whether the insured customer met the insurance conditions. [0003] Now, online insurance business is rapidly expanding due to the convenience of executing insurance business online. At present, insurance companies still use manual verification to check the health status of insured customers. This not only greatly increases the workload of the salesperson, but also reduces the operating efficiency. Contents of the invention [0004] This ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q30/06G06K9/62
CPCG06Q40/08G06Q30/0633G06F18/23G06F18/214
Inventor 王颖白亮赵翔宇
Owner BEIJING SANKUAI ONLINE TECH CO LTD
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