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Vehicle insurance claim settlement risk management and control method and system, electronic equipment and medium

A management and control system and risk technology, applied in data processing applications, electronic digital data processing, special data processing applications, etc., can solve the problem that insurance companies cannot maintain and fit the enterprise risk management and control anti-leakage event system, risk level division, and cannot formulate Auto insurance claims case risk scoring and other issues

Pending Publication Date: 2021-04-16
CHINA AUTOMOTIVE TECH & RES CENT +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a risk management and control method, system, electronic equipment, and medium for auto insurance claims, so as to solve the problems existing in the prior art that automatic risk identification cannot be realized in the process of auto insurance claim settlement and loss determination, and insurance companies cannot maintain and fit the enterprise itself. The risk management and control anti-leakage event system, and the problem of being unable to formulate risk scores and divide risk levels for auto insurance claims cases in combination with its own business

Method used

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  • Vehicle insurance claim settlement risk management and control method and system, electronic equipment and medium
  • Vehicle insurance claim settlement risk management and control method and system, electronic equipment and medium
  • Vehicle insurance claim settlement risk management and control method and system, electronic equipment and medium

Examples

Experimental program
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Embodiment 1

[0050] figure 1 It is a flowchart of a risk management and control method for auto insurance claims provided by this embodiment, and this embodiment is applicable to the management and control of auto insurance claims risks. The method can be executed by an auto insurance claim risk management and control system, and the device can be composed of software and / or hardware, and is generally integrated in electronic equipment.

[0051] Such as figure 1 As shown, this embodiment provides a risk management and control method for auto insurance claims, including monitoring event information, managing compound events and processing compound events;

[0052] The monitoring event information includes: grabbing atomic events S110.

[0053] An atomic event refers to a piece of data information, which comes from the actual business operation and records the basic information, status changes and impact on other business operations of the business operation. Atomic events cannot be further...

Embodiment 2

[0086] Such as image 3 As shown, this embodiment provides a risk management and control system for auto insurance claims, including:

[0087] The event information monitoring device 1 is used to monitor event information, using the Storm real-time calculation method. The monitoring event information includes: grabbing atomic events and feedback operation guidelines according to the processing results of the composite event processing device.

[0088] The composite event management device 2 is used to manage composite events, the management of composite events includes: maintaining basic events, maintaining composite events, analyzing the basic events and composite events after maintenance is completed, and obtaining analysis results.

[0089] Composite event processing device 3 is applied to process composite events, using Storm real-time calculation method, said processing composite events includes: pre-processing atomic events according to the captured atomic events; accord...

Embodiment 3

[0104] Such as Image 6 As shown, this embodiment provides an electronic device, including:

[0105] at least one processor; and

[0106] a memory communicatively coupled to the at least one processor; wherein,

[0107] The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the above method. At least one processor in the electronic device is capable of executing the above method, and thus has at least the same advantages as the above method.

[0108] Optionally, the electronic device further includes interfaces for connecting various components, including high-speed interfaces and low-speed interfaces. The various components are interconnected using different buses and can be mounted on a common motherboard or otherwise as desired. The processor can process the instructions executed in the electronic device, including storing in the memory or on...

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Abstract

The invention relates to a vehicle insurance claim settlement risk management and control method and system, electronic equipment and a medium. The vehicle insurance claim settlement risk management and control method comprises the steps of monitoring event information, managing a composite event and processing the composite event. The step of monitoring event information comprises atomic event capturing; the step of managing a composite event comprises a maintenance basic event, a maintenance composite event, and an analysis result obtained by analyzing the maintained basic event and composite event; the step of processing the composite event comprises: preprocessing the atomic event according to the grabbed atomic event; processing the composite event according to the preprocessed atomic event and the analysis result to obtain a processing result; The step of monitoring event information further comprises the step of feeding back an operation guide according to the processing result; event information monitoring and composite event processing are carried out in a Storm real-time calculation mode. According to the method, the most suspicious claim settlement behavior and fraud leakage can be effectively discriminated, various risk types can be identified, and the risk of the case can be upgraded.

Description

technical field [0001] The present invention relates to the field of auto insurance claims, in particular to a risk management and control method and system for auto insurance claims, electronic equipment, and a medium. Background technique [0002] At present, insurance companies establish simple risk management and control rules through the summary of manual experience, and realize manual judgments such as risk early warning, auxiliary underwriting, and compensation through semi-automatic condition screening. This method mainly faces the following difficulties. First, automatic risk identification cannot be realized in the process of auto insurance loss determination and claim settlement; secondly, the insurance company cannot combine its own business to maintain an auto insurance claim risk data system that is fully applicable to the company; finally, the insurance company The company is unable to formulate risk scores for auto insurance claim cases and divide the risk le...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06F16/2458G06F16/951G06F9/48G06Q40/08
Inventor 马欣朱向雷孟菲刘英男郭维明李捷荣庆川李荣振刘旭南
Owner CHINA AUTOMOTIVE TECH & RES CENT
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