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Insurance policy analysis method and device, terminal equipment and storage medium

An analysis method and analysis device technology, applied in the field of financial services, can solve the problem of low recognition rate of group fraud risks, achieve accurate and efficient identification and early warning, and improve the recognition rate

Inactive Publication Date: 2018-07-06
CHINA PING AN LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides an insurance policy analysis method, device, terminal equipment, and storage medium to solve the problem of low recognition rate of group insurance fraud risks in the prior art

Method used

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  • Insurance policy analysis method and device, terminal equipment and storage medium
  • Insurance policy analysis method and device, terminal equipment and storage medium
  • Insurance policy analysis method and device, terminal equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0032] see figure 1 , figure 1 It shows the implementation process of the insurance policy analysis method provided by this embodiment. The policy analysis method is applied in the insurance industry. The details are as follows:

[0033] S1: Obtain the policy information of each policy from the policy database, wherein the policy information includes policy identification information and attribute information of the policy object, and the policy identification information is used to uniquely identify the policy.

[0034] In the embodiment of the present invention, the policy database is a database for an insurance company to store customers' policies, and the policy information of each policy includes policy identification information and attribute information of policy objects.

[0035] The policy identification information is used to uniquely identify the policy. For example, the policy identification information can be the policy number, which can be generated by adding ...

Embodiment 2

[0113] Corresponding to the policy analysis method in Example 1, Figure 8 An insurance policy analysis device corresponding to the policy analysis method provided in Embodiment 1 is shown. For ease of description, only parts related to the embodiments of the present invention are shown.

[0114] see Figure 8 , the insurance policy analysis device includes: a policy acquisition module 81 , a parameter determination module 82 , a relationship establishment module 83 , a network construction module 84 and a risk analysis module 85 . The detailed description of each functional module is as follows:

[0115] The policy obtaining module 81 is used to obtain the policy information of each policy from the policy database, wherein the policy information includes policy identification information and attribute information of the policy object, and the policy identification information is used to uniquely identify the policy;

[0116] A parameter determination module 82, configured ...

Embodiment 3

[0140] This embodiment provides a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium. When the computer program is executed by the processor, the policy analysis method in Embodiment 1 is implemented, or, when the computer program is executed by the processor, Realize the functions of each module in the insurance policy analysis device in Embodiment 2, and to avoid repetition, details are not repeated here.

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Abstract

The invention discloses an insurance policy analysis method and device, terminal equipment and a storage medium. The method comprises steps that the insurance policy information of each insurance policy is acquired from an insurance policy database; to-be-matched parameters are determined according to the attribute information; for each to-be-matched parameter, traversal of each insurance policy is carried out, and the direct relationship based on the to-be-matched parameters is established between different insurance policies having the same parameter values; the insurance policy identifier information is taken as network nodes, parameter values of the to-be-matched parameters are taken as relationship nodes, the network nodes having the direct relationship are associated with the relationship nodes establishing the direct relationship to construct the insurance policy relationship network; according to the insurance policy relationship network, the gang fraud risk is analyzed. The method is advantaged in that relevance among the different insurance policies is represented through the constructed insurance policy relationship network, identification and early warning of the gang fraud risk can be accurately and efficiently carried out through analyzing the relevance, and the gang fraud risk identification rate is improved.

Description

technical field [0001] The present invention relates to the technical field of financial services, in particular to an insurance policy analysis method, device, terminal equipment and storage medium. Background technique [0002] In the insurance industry, there are often criminals who violate insurance regulations and use methods such as fabricating insurance bids, insured accidents, or creating insured accidents to defraud insurance companies of insurance money. Insurance companies need to identify insurance fraud cases by analyzing policy information. [0003] However, at present, when mining and analyzing insurance policy data in the insurance industry, mining is only done from the perspective of a single policy, or the relationship between policies is found manually, resulting in a low success rate of mining policy gang information, resulting in gang fraud. The risk identification rate is low. Contents of the invention [0004] Embodiments of the present invention p...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06F17/30
CPCG06F16/284G06Q40/08
Inventor 刘行行
Owner CHINA PING AN LIFE INSURANCE CO LTD
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