Claim risk estimation method, device, computer equipment and storage medium

A technology with risk and preset quantity, applied in the computer field, can solve problems such as insufficient intelligence, achieve the effect of improving the level of intelligence, improving coverage and accuracy, and reducing the risk of claims settlement

Active Publication Date: 2021-07-27
太平金融科技服务(上海)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] However, the above methods mainly rely on manual triggers to estimate the claims risk, which makes the process of claim risk judgment not intelligent enough

Method used

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  • Claim risk estimation method, device, computer equipment and storage medium
  • Claim risk estimation method, device, computer equipment and storage medium
  • Claim risk estimation method, device, computer equipment and storage medium

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Embodiment Construction

[0068] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0069] The claims risk estimation method provided in this application can be applied to such as figure 1 shown in the application environment. Wherein, the terminal 102 communicates with the server 104 through the network. Specifically, the terminal 102 collects pending claims data, and then sends it to the server 104 . After acquiring the claim data to be processed, the server 104 may perform preprocessing on the claim data to be processed to obtain characteristic data corresponding to the claim data to be processed. Further, the server 104 may obtain a pre-generated t...

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Abstract

The present application relates to the field of computer technology, in particular to a claim settlement risk estimation method, device, computer equipment and storage medium. The method includes: obtaining pending claim data; preprocessing the pending claim data to obtain feature data corresponding to the pending claim data; obtaining a pre-generated total decision model, which is a plurality of data generated based on historical claim data. Generated by the target decision tree model; predict the characteristic data according to the total decision model, and generate the claim risk index corresponding to the characteristic data. Adopting this method can improve the intelligence level of claim settlement risk estimation.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a claim settlement risk estimation method, device, computer equipment and storage medium. Background technique [0002] With the continuous development of social economy, people are more and more aware of the importance of insurance. For example, in auto insurance, the policyholder pays the insurance premium to the insurer according to the contract, and the insurer is responsible for compensating the insurance money for the losses caused by the possible risks agreed in the contract. Therefore, the insurer's risk assessment for the insurance business is extremely important. [0003] In the traditional way, when assessing the risk of insurance claims, usually the loss assessor finds that the case has a fraud risk in daily work and then actively reports it, and then goes through the auto insurance anti-fraud process, or extracts the report data, and screens and filters ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/08G06Q10/06G06K9/62G06F16/2458
CPCG06Q40/08G06Q10/06393G06F16/2465G06F18/24323
Inventor 刘小东
Owner 太平金融科技服务(上海)有限公司
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