Insurance anti-fraud method for identifying drunk driving insurance switching based on operator data

A data identification and operator technology, applied in data processing applications, finance, instruments, etc., can solve the problems of regional differences, time differences, and large manpower consumption of insurance fraud, and achieve regional differences and time differences, Good quality, true information

Inactive Publication Date: 2019-08-27
安泰保险科技(深圳)有限公司
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  • Abstract
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AI Technical Summary

Problems solved by technology

[0003] Traditional anti-fraud technologies mostly rely on rule engines and statistical models. During the deployment and implementation of rule engines, business experts need to constantly update the rules, which consumes a lot of manpower. Statistical models are difficult to deeply explore the relationship between model factors, especially It is a high-level relationship, so its processing capacity is greatly limited. At the same time, there are regional differences and time differences in insurance fraud. As a result, there is currently no more complete method that can accurately and efficiently detect insurance claim fraud.

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  • Insurance anti-fraud method for identifying drunk driving insurance switching based on operator data
  • Insurance anti-fraud method for identifying drunk driving insurance switching based on operator data

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Embodiment Construction

[0021] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention.

[0022] see Figure 1 to Figure 2 , the present invention provides a technical solution: an insurance anti-fraud method based on operator data to identify drunk driving and switch packages, including an insurance company (1), an operator PAAS platform (7), an operator in-depth analysis cloud system (5), An insurance technology company (3), the insurance company (1) establishes a connection with the insurance technology company (3) through a TCP connection in combination with the authorization code, mobile phone number, ID number, time of accident, and location of the accident (2) through an API , the application program interface of the insurance technology company (3...

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Abstract

The invention discloses an insurance anti-fraud method for identifying drunk driving insurance switching based on operator data, and relates to the technical field of vehicle insurance claim anti-fraud automatic discrimination algorithms. The method comprises four parts, namely an insurance company, an operator PAAS platform (Platform-as-a-Service), an operator deep analysis cloud system and an insurance science and technology company, and each part establishes a TCP (transmission control protocol) connection through an application programming interface, and transmits the related data. The insurance anti-fraud method for identifying the drunk driving insurance switching behaviors adopts a big data modeling technology, establishes a vehicle insurance claim settlement anti-fraud system basedon the operator data, and during the claim settlement case checking process, can mine and analyze from different angles based on the user behavior data, such as the user call records, the call positions, etc., and scores the insurance reports reasonably in a targeted manner.

Description

technical field [0001] The invention relates to the technical field of auto insurance claim anti-fraud automatic discrimination algorithm, in particular to an insurance anti-fraud method based on operator data identification of drunk driving insurance and subcontracting. Background technique [0002] At present, there are a lot of fraudulent behaviors in the field of auto insurance claims. The phenomenon of drunk driving and subcontracting is relatively common in auto insurance fraud cases. After a driver has an accident due to drunk driving, in order to avoid accident responsibility and defraud insurance compensation, he will ask his friends to pretend to be the driver to report the case. How to identify auto insurance fraud Behavior has always been a difficult problem for insurance practitioners and the field of insurtech. [0003] Traditional anti-fraud technologies mostly rely on rule engines and statistical models. During the deployment and implementation of rule engine...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 梅雪松
Owner 安泰保险科技(深圳)有限公司
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