Intelligent claim settlement method and device, computer equipment and storage medium

Abstract

The embodiment of the invention discloses an intelligent claim settlement method and device, computer equipment and a storage medium. The method comprises the steps of obtaining historical claim settlement data from a preset database and preprocessing the historical claim settlement data; selecting feature data from the preprocessed historical claim data; carrying out dimension reduction processing on the feature data by using a preset algorithm; using a clustering algorithm to perform clustering analysis on all the feature data after dimension reduction so as to divide all the feature data into different categories; making a corresponding claim settlement rule according to the divided various types of characteristic data; and if the claim settlement request is received, calculating the similarity between the current claim settlement data and each type of historical claim settlement data according to the current claim settlement data in the claim settlement request, carrying out classification identification on the current claim settlement data through the calculated similarity, and obtaining a corresponding claim settlement rule as a claim settlement result of the claim settlementrequest by using a classification identification result. The invention provides the intelligent claim settlement method based on the classification model, and the claim settlement efficiency is improved.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to an intelligent claim settlement method, device, computer equipment and storage medium. Background technique [0002] With the increase of various insurance products, there is no complete and reasonable automatic analysis process for the claim settlement process of insurance products. The traditional method is to carefully define a certain claim object in advance in the claim settlement system. For example, for personal For insurance claims, it is necessary to define the claim conditions carefully in the claim system in advance. This method of claim settlement will correspondingly increase the workload of the insurance product definition part, resulting in a rather long process of claim settlement and low efficiency of claim settlement. Contents of the invention [0003] In view of this, an embodiment of the present invention provides an intelligent claim settlement me...

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Problems solved by technology

[0002] With the increase of various insurance products, there is no complete and reasonable automatic analysis process for the claim settlement process of insurance products. The traditional method is to carefully define a certain claim object in advance in the claim settlement system. For example, for personal For insurance claims, the claim conditions need to be carefully defined in the claim system in advance. This method of claim settlement will correspondingly increase the workload of insurance product definition, resulting in a rather lengthy claim settlement process and low claim settlement efficiency.

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