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Method and apparatus for predicting probability of insurance risk, computer device and storage medium

A technology of risk probability and computer program, applied in the computer field, can solve the problems of unpredictable potential relationship between risk orders and customers, mistakes and omissions of risk orders, waste of time, etc., to achieve the effect of low screening efficiency, waste of time, and reduction of manpower

Pending Publication Date: 2018-12-14
PING AN TECH (SHENZHEN) CO LTD
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Problems solved by technology

The existing method mainly uses the experience of the salesman to artificially screen out the risk list and judge the risk category of the customer. The disadvantage of this method is that it is inefficient, wastes time, and it is easy to miss the risk list due to human negligence. The potential relationship between the customers corresponding to the order cannot be predicted

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  • Method and apparatus for predicting probability of insurance risk, computer device and storage medium
  • Method and apparatus for predicting probability of insurance risk, computer device and storage medium
  • Method and apparatus for predicting probability of insurance risk, computer device and storage medium

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Embodiment Construction

[0043] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0044] refer to figure 1 , the method for predicting the risk probability of insurance application in the embodiment of the present invention includes:

[0045] Step S1, obtaining the personal information and business type information of the user in the insurance policy;

[0046] Step S2, converting the personal information to obtain a first vector and converting the business type information to obtain a second vector;

[0047] Step S3, combining the first vector and the second vector to obtain a vector matrix and inputting it into a preset risk probability prediction model based on a deep neural network for calculation, wherein the risk probability prediction model passes a specified amount of user's Personal information and business type information, as well as the risk probability corresponding to the user's pers...

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Abstract

The invention provides a method and apparatus for predicting probability of insurance risk, a computer device and a storage medium, wherein the method comprises the following steps of: obtaining personal information and service type information of a user in an insurance policy; converting the personal information to a first vector and converting the service type information to a second vector; obtaining the vector matrix obtained by combining the first vector and the second vector and inputting the matrix to a preset risk probability prediction model based on a depth neural network for calculation, wherein, the risk probability prediction model is used for calculating the risk probability of insuring by the user and obtained by training sample data of a certain amount of input personal information and the service type information and the risk probability corresponding to the personal information and the service type information of the user. A main object of the present invention is toprovide the method and the apparatus which can predict the probability of insurance risk efficiently and accurately, the computer device and the storage medium.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a method, device, computer equipment and storage medium for predicting the risk probability of insurance application. Background technique [0002] In the field of insurance, the clerk of the insurance company needs to review the insurance application submitted by the customer, decide whether to accept the underwriting business through the review result, and determine the insurance premium rate after accepting the underwriting business. In the process of underwriting, underwriting personnel will give customers different rates according to different risk categories to ensure business quality. The existing method mainly uses the experience of the salesman to artificially screen out the risk list and judge the risk category of the customer. The disadvantage of this method is that it is inefficient, wastes time, and it is easy to miss the risk list due to human negligence. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q10/06G06Q40/08
CPCG06Q10/04G06Q10/0635G06Q40/08
Inventor 金戈徐亮肖京
Owner PING AN TECH (SHENZHEN) CO LTD
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