64results about How to "Improve claims efficiency" patented technology

The invention relates to an insurance claim settlement method and device, a computer device, and a storage medium. The method includes the steps: obtaining policy information and customer information,and generating intelligent contracts according to the policy information and the customer information, wherein the intelligent contracts includes customer identifications and claim settlement conditions; writing the intelligent contracts into a blockchain; receiving a claim settlement request, wherein the claim settlement request comprises the first claim settlement condition and the first customer identification, and searching for the corresponding target intelligent contract in the blockchain according to the first customer identification; obtaining the target claim settlement condition inthe target intelligent contract; executing the target intelligent contract when the target claim condition in the target intelligent contract is consistent with the first claim settlement condition, and getting a claim amount. This method can improve the efficiency of insurance claim settlement.

The invention discloses an automobile insurance management system. The automobile insurance management system comprises a client terminal and a server, wherein the client terminal is connected with the server through a mobile communication network, and the client terminal comprises a display module, a prospecting module and an accessory inquiry module; and the server comprises an accessory data module, an accident comparison module, an accident quote module and an examination module. The automobile insurance management system disclosed by the invention provides the accessory data module for storing automobile accessory data and related market quotes, provides the accident comparison module for solving the problem of judging the seriousness of an automobile on-site accident and determining the automobile processing scheme through the seriousness of the automobile on-site accidents, provides the accident quote module for carrying out preliminary on-site accident quote according to the market quotes and the information of inquired related accessories and provides the examination module for determining final accident quotes.

The embodiments of the present invention disclose an automobile insurance claim settlement method and system. The method includes the following steps that: the case information of a reported case is received, a survey task is assigned according to a preset dispatching rule; uploaded survey information is received, an OCR technology is adopted to identify driving certificate, driving license and license plate information contained in the survey information; uploaded survey result and loss assessment information is received, a speech recognition technology is adopted to convert speech information into a text; risk control information is calculated by using a preset risk rule model according to the survey information and the case information, and improved case information is received; the case information is sent to a review end for reviewing the case information; and after the case passes review, the case information is transcribed to a corresponding insurance company system. According to the automobile insurance claim settlement method and system provided by the embodiments of the present invention, the scientific level and efficiency of insurance claim settlement are improved through intelligent dispatching, intelligent image recognition, intelligent speed and intelligent loss assessment; the full-process early warning and troubleshooting of the insurance claim settlement are realized through an intelligent risk control system; case frauds and leakage risks are reduced; and case quality can be improved.

The invention discloses a vehicle accident processing method and a vehicle accident processing device based on a block chain, computing equipment and a computer storage medium. The method comprises the steps of receiving original accident information provided by a vehicle terminal, and storing the original accident information into the block chain; and receiving an accident processing result fileprovided by the vehicle terminal or a traffic police processing terminal, storing the accident processing result file into the block chain, and thus allowing an insurance terminal to perform vehicle claim settlement according to the original accident information and / or accident processing result file.

The embodiment of the invention provides an information processing method and device for insurance settlement, a medium and electronic equipment. The information processing method for the insurance settlement comprises the steps that user information of an insurance user is sent to a medical mechanism; cost information which is related to the insurance user and determined by the medical mechanismaccording to the user information is acquired; based on the cost information, insurance settlement is conducted. According to the technical scheme, the insurance settlement process is simplified, themethod helps to improve the experience of the insurance user, the labor cost of insurance settlement personnel for processing the insurance settlement work can be lowered at the same time, and the insurance settlement efficiency can also be improved.

The invention discloses an automobile aftermarket service realization method, storage equipment and a mobile terminal. The method comprises the following steps of: obtaining position information of a service requester and a service type selected by the service requester; obtaining an appointment service intention of the service requester; outputting an order confirmation request to the service requester; outputting an order reception request to a service provider; carrying out order distribution; and outputting appointment result information to determine that the service provider provides a door-to-door service for the service requester. According to the method, the consumers can enjoy door-to-door services, so that the time and expense are saved and the service cost of the service providers are reduced; and the loss assessment claim settlement facts of insurance providers can be explicit, so that the claim settlement costs are reduced. The method is suitable for automobile aftermarket.

The invention relates to an insurance policy centralized checking method, an electronic device and a readable storage medium. The method comprises the steps that an insurance policy to be processed isreceived; the preset attribute information in the insurance policy is extracted, and whether the insurance policy is a risk piece is judged based on the preset attribute information by using the preset risk piece judgment rules; if the insurance policy is judged as the risk piece, the insurance policy is allocated to the risk piece underwriting process according to the preset allocation mode; andif the insurance policy is judged not to be the risk piece, the process directly enters the preset normal claim process. The labor and time cost can be saved, and the insurance policy judged as the non-risk piece can directly and automatically enter the normal claim process so that the claim efficiency can be enhanced and the customer experience can be enhanced.

The invention relates to a claim settlement flow identification method and device, a server and a storage medium. The claim settlement flow identification method comprises the steps of receiving claimsettlement requests sent by a plurality of client terminals, wherein the claim settlement request carries claim settlement data, and the claim settlement data comprises a client identifier and an insurance place; acquiring a rule table, wherein the rule table records claim settlement rules corresponding to the plurality of client identifiers; querying corresponding claim settlement rules in the rule table according to the client identifiers; if the claim settlement data conforms to the claim settlement rules, generating a claim settlement case by using the claim settlement data; acquiring a flow table, wherein the flow table records claim settlement flows corresponding to the plurality of insurance places; querying the corresponding claim settlement flow in the flow table according to theinsurance place carried in the claim settlement request, and sending the claim settlement case to a corresponding claim settlement terminal according to the claim settlement flow. According to the method, the claim settlement flow applicable to the current client can be identified from various claim settlement flows, and the claim settlement efficiency is improved.

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.

The invention relates to an automatic equipment claiming method comprising the following steps: the identity information of a user is bound to equipment, insurance information is submitted to a server, and an insurance policy is issued; the equipment automatically monitors and generates a claiming fault identifier; the fault identifier is identified and sent to the server; and the server interprets the fault identifier and compares the fault identifier with a preset claiming scope to enter a claiming process. A user downloads a mobile phone dedicated APP to scan a special equipment insurance confirmation two-dimensional code on equipment or a special fault two-dimensional code generated when the equipment fails, in order to declare and expire an insurance policy. Insurance policy confirmation cost caused by logistics and use of electric appliances is reduced. Online ordering and claiming are completed through simple links. The insurance policy generating and expiring links are completed through active submission and user credit tracking. Thus, labor cost is reduced, and the efficiency of insurance claiming is improved.

The invention discloses a claim settlement risk control method and device and a computer readable storage medium, and belongs to the field of insurance claim settlement, and the method comprises the steps: judging whether a claim settlement request is a normal request or not according to a preset risk control rule after receiving the claim settlement request; if the claim settlement request is a normal request, extracting a plurality of features from information carried by the claim settlement request; inputting the plurality of features into a pre-trained risk control model for prediction toobtain a risk probability of the claim settlement request; and assessing the risk level of the claim settlement request at least based on the risk probability of the claim settlement request. According to the embodiment of the invention, the risk control accuracy of the claim settlement case can be improved, the controllability of the risk control cost is improved, the Internet insurance company is effectively assisted to reduce the loss, and the claim settlement efficiency is improved.

The embodiment of the invention relates to the technical field of computers, and provides an insurance policy data processing method and device, a medium and an electronic device. The method comprises: receiving an insurance policy calling request sent by a first server, judging whether the insurance policy calling request corresponds to multiple insurance policy types, and enabling the multiple insurance policy types to be insurance types with the number of insurance policies generated in unit time greater than a preset threshold value; if the insurance policy calling request corresponds to the insurance types of the insurance policies, obtaining a plurality of insurance policies according to the insurance policy calling request; and integrating the plurality of insurance policies to forman equivalent insurance policy, and sending the equivalent insurance policy to the first server to complete insurance policy processing of the plurality of insurance policies. According to the technical scheme provided by the embodiment of the invention, the problem of low insurance policy processing efficiency caused by data transmission of a large amount of insurance policy data between serverscan be solved, the claim settlement efficiency of an insurance company can be improved, and meanwhile, the claim settlement experience of a client is improved.

The invention provides a method, a device and a server for settling claims of commercial insurance, wherein, the method is applied to a commercial insurance service platform. The method comprises thefollowing steps of: receiving authorization information of a user through a user terminal; screening out the hospitalization information of the user from the hospitalization information of the patientuploaded by the medical institution in a preset time according to the authorization information, and sending the screening information to the commercial insurance company to judge whether the user needs to pay the compensation in advance, and if so, according to the hospitalization information, the expense list and the insurance liability information of the purchased insurance product, paying thecompensation in advance; receiving settlement information from medical institutions to enable commercial insurance companies to settle claims and obtain payment; receiving indemnity fee and feedbackto medical institution for settlement of discharge fee to complete indemnity. The invention enables the user to obtain the prepaid compensation money during hospitalization and settle the compensationexpense in real time after discharge, simplifies the compensation flow of the commercial insurance, improves the compensation efficiency and lightens the pressure on the user to seek medical treatment.

The embodiment of the invention discloses a vehicle insurance claim settlement identification method and device based on picture identification, computer equipment and a storage medium. The method isapplied to the field of prediction models in intelligent decisions. The method comprises the following steps: collecting training pictures from a preset database and constructing a training sample according to the training pictures; based on the training sample, training a preset convolutional neural network model by adopting a forward propagation and back propagation combined mode to obtain a trained convolutional neural network model; and if a claim settlement request uploaded by a user is received, inputting a claim settlement picture in the claim settlement request into the trained convolutional neural network model for prediction so as to output a claim settlement probability corresponding to the claim settlement picture, thereby judging whether claim settlement can be performed or not, generating a claim settlement estimated amount, and sending the claim settlement estimated amount to the user. By implementing the method provided by the embodiment of the invention, the effects ofimproving the claim settlement efficiency, saving human resources and effectively identifying insurance fraud can be achieved.

The embodiment of the invention provides a claim settlement data processing method and device based on a block chain, a medium and electronic equipment, and belongs to the technical field of block chains, and the method comprises the steps that a first block chain node establishes an execution rule comprising condition data and behavior data according to historical claim settlement data; the firstblock chain node establishes a claim knowledge base according to the execution rule and sends the claim knowledge base to a block chain network; when the second block chain node receives to-be-claimed data, if the to-be-claimed data is matched with the condition data in the claim knowledge base, the execution rule is triggered to obtain a processing result; and the second block chain node determines standard claim settlement information of the to-be-claimed data according to the processing result. The method can achieve the automatic processing of the to-be-claimed data, improves the claim settlement efficiency of the to-be-claimed data, and saves the labor cost.

The embodiment of the invention discloses a claim settlement request processing method, a server and a computer readable storage medium, and relates to insurance data analysis, the method comprises the following steps: receiving a claim settlement request of an insurance accident sent by a user terminal; Obtaining claim settlement information according to the claim settlement request, wherein theclaim settlement information is information required when claim settlement processing is carried out on the insurance accident; Preprocessing the claim settlement information to obtain claim settlement data, wherein the preprocessing comprises semantic recognition, image recognition, classification extraction and structured processing on the claim settlement information; And performing claim settlement processing on the insurance accident according to the claim settlement data. Through the embodiment of the invention, the working efficiency of insurance claim settlement can be effectively improved, the labor cost is saved, and the user experience is improved.

The invention discloses a method for determining the claim settlement data of an accident vehicle, and the method comprises the steps of carrying out the analysis of an obtained image of a current damaged part of the accident vehicle, and determining the damage degree information of the current damaged part; and determining maintenance claim settlement data and replacement claim settlement data corresponding to the damage degree information of the current damaged part according to a preset corresponding relation among the damage degree information of the damaged part of the vehicle, the maintenance claim settlement data and the replacement claim settlement data and the damage degree information of the current damaged part, and obtaining the claim settlement data of the accident vehicle according to the maintenance claim settlement data and the replacement claim settlement data. With the adoption of the method for determining the claim settlement data of the accident vehicle, the corresponding claim settlement data can be rapidly and accurately determined in a manner of carrying out real-time data analysis on the damage degree information, so that the tedious operation steps are reduced, and the claim settlement efficiency aiming at the road vehicle accident is improved.

The invention provides a mobile phone insurance claim settlement method applied to a mobile phone detection terminal. The mobile phone insurance claim settlement method comprises the following steps of underwriting: checking whether a mobile phone applying for claim settlement purchases insurance on the terminal or not and checking the instant state of an insurance policy; checking and identification detection: checking whether a mobile phone screen is replaced or not, identifying whether the mobile phone is unpacked or not in the claim settlement process, and detecting whether liquid crystalleaks or not and whether the screen is broken or not; claim settlement: confirming related information and data of the mobile phone and the insurance applicant to be submitted to an insurance companyto apply for claim settlement, and calling express delivery repair; and sending back: sending back the maintained mobile phone to a client to complete claim settlement and update the mobile phone order state. According to the method, the labor cost of an insurance company is greatly saved, the time of a user is saved, the problem that mobile phone claim settlement insurance is difficult to underwrite is avoided, the loophole of deceiving fees during mobile phone insurance is blocked, the mood risk is prevented, convenient experience and affordable mobile phone broken screen insurance right protection are brought to the user, and the method has wide market significance and values.

The invention discloses a spare part fundamental data management system serving auto insurance. The system comprises a user module, a data maintaining module and a background module; the user module and the background module perform data interaction with the data maintaining module, the user module is used for transmitting a request of claim of settlement of auto insurance to the background module, and the auto insurance request comprises vehicle owner geographical location, auto insurance information and vehicle spare part data information; the background module is used for analyzing and verifying the vehicle spare part data information transmitted by the user module to determine the validity of the identification of the user module; the data maintaining module comprises a standard maintaining module, a spare part maintaining module, a system quotation maintaining module, a quotation query module, a system working hour maintaining module and a system regional price maintaining module.By means of the system, when insurance accidents of vehicles take place, vehicle spare information can be rapidly obtained to provide references for users.

The invention relates to a medical insurance claim settlement processing method, device and system based on a block chain and a storage medium. The method comprises the following steps: receiving a first claim settlement verification request containing a first object identifier, wherein the first object identifier is used for identifying the first claim settlement object; obtaining a first insurance electronic contract corresponding to the first object identifier from a target blockchain account book; wherein the target blockchain account book is a blockchain account book shared with the insurance institution node; performing claim settlement verification on the first claim settlement object according to the first insurance electronic contract; and when the claim settlement verification ispassed, sending a first claim settlement request to the insurance institution node, so that the insurance institution node allocates a corresponding claim settlement fund according to the first claimsettlement request. According to the scheme, the medical institution node can automatically complete the treatment of the claim settlement object, thereby effectively reducing the verification time of the medical insurance, and improving the claim settlement efficiency of the medical insurance.

The invention provides an insurance service claim settlement method and device, a computer device and a computer readable storage medium. The insurance service claim settlement method comprises the following steps: carrying out role definition on a plurality of booking parties, and configuring ownership information for a user contained in each booking party; receiving a claim settlement order, andobtaining insurance position information of the claim settlement order; generating a survey request according to the insurance position information, and assigning the survey request to survey personnel corresponding to the insurance position information; receiving survey information of the claim settlement order, and determining a preliminary loss assessment result according to the survey information; and auditing the preliminary loss assessment result according to a preset auditing rule to obtain a final loss assessment project and a final loss assessment amount corresponding to the claim settlement order. The invention relates to an insurance service process optimization technology, which can integrate a plurality of insurance service parties into the same platform and facilitate sharing, management and order tracking of insurance claim settlement related data.

The embodiment of the invention discloses an intelligent claim settlement method and device, computer equipment and a storage medium. The method comprises the steps of obtaining historical claim settlement data from a preset database and preprocessing the historical claim settlement data; selecting feature data from the preprocessed historical claim data; carrying out dimension reduction processing on the feature data by using a preset algorithm; using a clustering algorithm to perform clustering analysis on all the feature data after dimension reduction so as to divide all the feature data into different categories; making a corresponding claim settlement rule according to the divided various types of characteristic data; and if the claim settlement request is received, calculating the similarity between the current claim settlement data and each type of historical claim settlement data according to the current claim settlement data in the claim settlement request, carrying out classification identification on the current claim settlement data through the calculated similarity, and obtaining a corresponding claim settlement rule as a claim settlement result of the claim settlementrequest by using a classification identification result. The invention provides the intelligent claim settlement method based on the classification model, and the claim settlement efficiency is improved.

The invention discloses an insurance claim settlement device and method based on a hybrid smart contract. The method comprises the steps: signing an agency contract based on a symmetric encryption scheme, and entrusting a hospital agent to execute medical insurance claim settlement; carrying out proxy auditing through an identity authentication method based on the off-chain zero-knowledge proof generation tool Zokrates and providing the identity proof for privacy security; checking the claim settlement information based on a block chain oracle machine verification method, and assisting the smart contract to verify the real claim settlement amount; and carrying out payment of the claim settlement amount under the automatic control of the public and private smart contract to finish automatic claim payment of the patient. Therefore, the operation process of the patient is simplified, the claim settlement efficiency of an insurance company is remarkably improved, and the privacy of the patient is protected from being leaked.

The present application relates to an image desensitization method, an apparatus, a computer device and a storage medium. The method comprises the following steps of: receiving a claim settlement request sent by a terminal; carrying user information with the claim settlement request; obtaining the claim settlement information corresponding to the user according to the user information; obtaining aset of splitting rules; traversing the set of splitting rules to match the corresponding splitting rules for the claim settlement information; and obtaining the claim settlement interface corresponding to the splitting rules to return to the terminal. The image file uploaded by the receiving terminal from the claim settlement interface is provided with a file identification; obtaining a coordinate value of the sensitive information according to the file identification; determining a sensitive information region in the image file according to the coordinate value of the sensitive information;desensitization of sensitive information is performed according to the sensitive information area to obtain desensitized image files. The method can improve the efficiency of claim settlement.

The invention relates to a vehicle insurance claim method and device. The method is applied to a survey terminal and comprises the steps that a vehicle insurance survey task is received, wherein the vehicle insurance survey task carries the loss place; the position information of the survey terminal is captured, and the input operation of the surveyor is allocated to be accepted when the positioninformation is consistent with the loss place; the survey information inputted by the surveyor is acquired, wherein the survey information includes the survey item and the corresponding survey quotation; and the survey information is uploaded to a server so that the server is enabled to compare the survey information according to the preset rules, and the survey item and the survey quotation are recorded as the loss assessment item and the loss assessment amount corresponding to the vehicle insurance claim if the survey information meets the preset rules and the survey quotation is less than or equal to the preset value. With application of the method, time consumption of the vehicle insurance claim can be effectively reduced and the claim efficiency can be enhanced.

The invention relates to an insurance data processing method and device. The insurance data processing method comprises the steps that a terminal obtains an input insurance policy number and obtains corresponding scene information according to the insurance policy number, wherein the scene information comprises a plurality of responsibility attributes and responsibility attribute values corresponding to the responsibility attributes; the terminal obtains an input responsibility attribute value, obtains a matched responsibility attribute in the scene information according to the input responsibility attribute value and compares the input responsibility attribute value with the responsibility attribute value corresponding to the obtained responsibility attribute; if the input responsibilityattribute value is the same as the responsibility attribute value of the obtained responsibility attribute, claim payment rule data corresponding to pre-stored scene information is read; and the claimpayment rule data is processed to obtain a claim payment value, a claim payment instruction is generated, and the claim payment instruction is sent to a payment platform. The insurance data processing method improves the medical insurance claim settlement efficiency and improves the claim settlement accuracy. Correspondingly, the invention further provides an insurance data processing device, computer equipment and a computer readable storage medium.

The invention relates to a vehicle insurance rapid claim settlement method and system based on a tree model. The method comprises the steps of: processing or filling abnormal values and null values invehicle insurance claim settlement data; carrying out dichotomy on the preprocessed data to form a data set; constructing a feature library according to different feature types; based on the data setand the feature library, using an XGBoost tree model to construct a vehicle insurance rapid claim settlement model; randomly extracting risk cases and normal cases according to a certain proportion,constructing a training set, and determining the optimal proportion of positive samples to negative samples again according to training results. According to the invention, the accuracy and interpretability of the model are significantly improved, and the efficiency of vehicle insurance claim settlement is greatly improved.

The invention relates to a crop planting insurance method. The insurance method comprises the steps as follows: 1) determining crops, risk factors, market prices of the crops and average yields per unit of the crops; 2) determining risk factor thresholds triggering loss of the crops; 3) building probability density distribution of the risk factors; 4) obtaining an expected compensation amount per unit d according to a crop price a, a crop average yield per unit b and a compensation discount rate c; 5) determining an insurance quote per unit area F and compensation triggering conditions according to a probability density p, the expected compensation amount per unit d and an insurance company expected gross margin R; 6) when the risk factors meet the triggering conditions, insurance companies pay insurance money to eligible insurant accounts to complete settlement of claims. The insurance method has the benefits as follows: 1, manual loss assessment is not required, and operating costs of insurance products are reduced; 2, settlement of claims can be performed automatically, and manual intervention and moral hazards are avoided, so that the settlement of claims is more rapid and reasonable.

The present application relates to data processing techniques, and provides a claim settlement decision method, apparatus, computer device, and storage medium. The method comprises the following steps: obtaining injury condition data of the injured person to be compensated, and obtaining corresponding anatomical position information according to the injury condition data; Acquiring a lesion corpusset associated with the anatomical part information from a pre-established semantic network, and transmitting a first option information set to a terminal according to the lesion corpus set; Receiving a first selection result sent by the terminal, searching a corresponding injury severity corpus set from the semantic network according to the first selection result, and sending a second option information set to the terminal according to the injury severity corpus set; Receiving a second selection result returned by the terminal, and obtaining target matching data from the first selection result and the second selection result according to the anatomical part information; The preset claim data corresponding to the target matching data is obtained, the target decision data is obtained according to the preset claim data, and the target decision data is sent to the terminal.