Claim investigation method and device
A technology of customer and characteristic information, applied in data processing applications, instruments, finance, etc., can solve the problems of inability to initiate an investigation for claim settlement, long compensation time, and high claim settlement investigation rate, so as to reduce the claim settlement investigation rate, accurately initiate investigation, and improve claims. The effect of claims efficiency
Inactive Publication Date: 2018-08-17
PING AN TECH (SHENZHEN) CO LTD
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Problems solved by technology
This existing method of claim settlement review is likely to lead to a high claim investigation rate and a long time for compensation, and the claim settlement investigation initiated cannot be accurately investigated due to the subjectivity of the claim settlement request.
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[0044] The principles and features of the present invention are described below in conjunction with the accompanying drawings, and the examples given are only used to explain the present invention, and are not intended to limit the scope of the present invention.
[0045] Such as figure 1 as shown, figure 1 It is a schematic flow chart of an embodiment of the claim investigation method of the present invention, and the claim investigation method includes the following steps:
[0046] Step S1, after receiving a claim settlement request carrying customer identification information, extracting customer characteristic information corresponding to the customer identification information from a predetermined database;
[0047]In this embodiment, the customer initiates a claim settlement request to the claim settlement server, and the claim settlement server receives the claim settlement request carrying the customer identification information, which may be the customer's ID number,...
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The present invention relates to a claim investigation method and device. The method comprises the steps of: after receiving a claim request carrying client identification information, extracting client feature information corresponding to the client identification information from a predetermined database; employing a claim risk degree analysis model obtained through pre-training to perform analysis of the client feature information to obtain a fraud risk probability value corresponding to the claim request; and if the fraud risk probability value is larger than a preset probability thresholdvalue, sending an instruction for investigation of the claim request to a predetermined terminal. The claim investigation method and device can reduce the claim investigation rate, can accurately initiate investment for the claim request and can improve the claim efficiency.
Description
technical field [0001] The invention relates to the technical field of finance and insurance, in particular to a claim investigation method and device. Background technique [0002] In the field of finance and insurance, before the claimant makes a claim, the claim review operator needs to review the claim request to confirm whether the claim meets the requirements. As the public's awareness of insurance continues to increase, the insurance business of insurance companies also continues to grow, making claims review operators need to deal with a large number of insurance claim cases. The existing insurance claim review scheme is: the claim review operator conducts case-by-case review. In order to prevent claim settlement fraud, when a claim is uncertain, the claim review operator will initiate an investigation. This existing method for reviewing claim settlement requests easily leads to a high rate of claim settlement investigations and a long time for compensation, and the...
Claims
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Login to View More IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 蔡昀
Owner PING AN TECH (SHENZHEN) CO LTD