Claim settlement system and method based on insurance product reading understanding

Abstract

The invention discloses a claim settlement system and method based on insurance product reading understanding. The system comprises an insurance policy reading device, a machine automatic underwritingterminal and a machine insurance policy clause reading understanding server, And the insurance policy reading device and the machine automatic underwriting terminal are in communication connection with the insurance policy clause reading understanding server through a network bus. The insurance knowledge content in the insurance policy is digitalized into semantic information by adopting a deep network learning technology, and the semantic information is stored in a memory network. Based on the semantic space established by the deep learning memory network space, performing deep learning-based semantic understanding on the questions of the client, and projecting the semantics of the user questions to the semantic space of the memory network; And in the semantic space, the relevance between the customer question and the insurance policy knowledge is calculated, the answer of the customer question is intelligently generated, and a final result, a result judgment reason and a corresponding amount of money are returned in a natural language mode.

Description

technical field [0001] The invention relates to the field of insurance compensation, in particular to a compensation system and method based on reading comprehension of insurance products. Background technique [0002] All liability contents of insurance are ultimately carried on a policy, which is the only contract between the insured and the insurer, so the policy is the most important part of the insurance industry. The core competency of insurance services is the ability to accurately interpret policy. In reality, no one is willing to read an insurance policy with long clauses and many clauses. The clauses of the policy itself are obscure legal language, and many people cannot read the policy; even in the insurance industry, there are different underwriting / compensation / compensation / compensation between different types of insurance. In the professional direction of the business, an underwriter often only has a better understanding of the terms of certain types of insura...

AI Technical Summary

Problems solved by technology

Although the current insurance claims system has embraced the Internet age, the claims service can be operated on the Internet and computer software; however, since the understanding of the core clauses is still completed by natural persons, insurance claims are still labor-intensive services. The quality is uneven, and there is no 24-hour service

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