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Risk determination method, device, medium and electronic equipment

A risk determination and risk technology, applied in the blockchain field, can solve problems such as unrecognizable risks, untimely sharing, opaque information of insurance companies, etc.

Active Publication Date: 2021-09-10
TAIKANG LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, due to the fact that it is difficult to verify whether the user’s accident situation is real, and the information of various insurance companies is not transparent or shared in a timely manner, the risk cannot be identified, and various insurance fraud problems such as repeated claims and virtual claims by users occur.

Method used

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  • Risk determination method, device, medium and electronic equipment
  • Risk determination method, device, medium and electronic equipment
  • Risk determination method, device, medium and electronic equipment

Examples

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Embodiment Construction

[0032] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and fully convey the concept of example embodiments to those skilled in the art.

[0033] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the invention. However, those skilled in the art will appreciate that the technical solutions of the present invention may be practiced without one or more of the specific details, or other methods, components, means, steps, etc. may be employed. In other instances, well-known methods, apparatus, implem...

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Abstract

Embodiments of the present invention provide a blockchain-based risk determination method, device, computer-readable medium and electronic device, which relate to the technical field of blockchain. The blockchain-based risk determination method includes: acquiring insurance record information of insured users published in the blockchain network; extracting insurance fraud records in the insurance record information, and determining malicious insurance characteristics according to the insurance fraud records; The trust risk of the insured user is determined according to the malicious insurance application feature. The technical solutions of the embodiments of the present invention can improve the accuracy of risk identification.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular, to a risk determination method, device, computer readable medium and electronic equipment based on block chains. Background technique [0002] With the rapid development of insurance business, the number of insurance users is increasing. [0003] When a user is in danger and needs to make a claim, the business personnel of the insurance company can compare the user's accident situation with the underwriting target, and if the user's accident situation is within the scope of the underwriting target, the user will be settled. However, because it is difficult to verify whether the user's insurance situation is true, and the information of various insurance companies is not transparent or not shared in a timely manner, the risk cannot be identified, and various insurance fraud problems such as repeated claims and virtual claims by users occur. [0004] It should be noted ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/08
Inventor 李夫路梁爽杨帆
Owner TAIKANG LIFE INSURANCE CO LTD
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