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Insurance policy risk evaluating method and device, terminal equipment and storage medium

A technology of risk assessment and insurance policy, applied in the field of financial services, can solve the problems of no insurance policy data mining analysis, low recognition rate of group fraud risks, etc., and achieve the effect of improving efficiency and accurate and efficient identification

Inactive Publication Date: 2018-08-03
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 a policy risk assessment method to solve the problem that the current insurance industry does not carry out correlation mining and analysis on policy data, which leads to a low identification rate of group fraud risk

Method used

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  • Insurance policy risk evaluating method and device, terminal equipment and storage medium
  • Insurance policy risk evaluating method and device, terminal equipment and storage medium
  • Insurance policy risk evaluating method and device, terminal equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0030] see figure 1 , figure 1 It shows the implementation flow of the insurance policy risk assessment method provided by the embodiment of the present invention. The policy risk assessment method can collect historical policy case information from the policy database, so as to perform policy risk assessment model training based on the collected historical policy case information. The insurance policy risk assessment method can be specifically applied in the insurance industry policy information database management system, a data management system, to evaluate the fraud risk of the insurance policy relationship network, and can effectively improve the identification rate of group fraud risks. Such as figure 1 As shown, the insurance policy risk assessment method includes steps S10 to S50, which are described in detail as follows:

[0031] S10: Build an insurance policy relationship network, wherein the policy relationship network is generated by policies that are associate...

Embodiment 2

[0121] Corresponding to the policy risk assessment method in Example 1, Figure 6 An insurance policy risk assessment device corresponding to the insurance policy risk assessment method shown in Embodiment 1 is shown. For the convenience of description, only the parts related to the embodiment of the present invention are shown.

[0122] Such as Figure 6 As shown, the insurance policy risk evaluation device includes an insurance policy relationship network construction module 61 , an insurance policy sample data collection module 62 , an insurance policy evaluation model construction module 63 , an insurance policy relationship network evaluation module 64 and an insurance policy fraud risk analysis module 65 . The detailed description of each functional module is as follows:

[0123] An insurance policy relationship network construction module 61, configured to construct an insurance policy relationship network, wherein the policy relationship network is generated by polici...

Embodiment 3

[0148] This embodiment provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the insurance policy risk assessment method in Embodiment 1 is implemented. To avoid repetition, details are not repeated here. Alternatively, when the computer program is executed by the processor, the functions of each module / unit in the insurance policy risk assessment device in Embodiment 2 are realized, and details are not repeated here to avoid repetition.

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Abstract

The invention provides an insurance policy risk evaluating method and device, terminal equipment and a storage medium. The method comprises that an insurance policy relation network composed of insurance policies associated with one another according the same attribute information is established; case information of historical insurance policies is obtained and serves as sample data; a scoring model which comprises a preset number of scoring items and scores of each scoring item in different scoring conditions is constructed according to the sample data; the scoring model is used to evaluate the insurance policy relation network, and a total evaluation score is obtained; and an insurance policy fraud risk in the insurance policy relation network is analyzed according to the total evaluation score. Insurance policy data is dug and analyzed in the associated way, the evaluation model is constructed, related staff are helped identify the risk of group insurance fraud precisely and efficiently, and the insurance policy identification efficiency and group insurance fraud identification rate are improved.

Description

technical field [0001] The present invention relates to the technical field of financial services, in particular to an insurance policy risk assessment 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, it is only analyzed and mined from the perspective of a single policy, or through manual methods to find possible connections between policies, resulting in low efficiency in mining gang policies and a low success rate. Not high, resulting in a low risk identification rate of gang fraud. In reality, gang fraud is g...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q10/06
CPCG06Q10/0635G06Q40/08
Inventor 刘行行
Owner CHINA PING AN LIFE INSURANCE CO LTD
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