Vehicle insurance rapid claim settlement method and system based on tree model

A tree model and auto insurance technology, which is applied in the field of fast claim settlement methods and systems for auto insurance based on tree models, can solve the problems of omission, reduce the safety and effectiveness of rule models, and cannot meet high precision, and achieves improved efficiency and accuracy. The effect of degree and interpretability

Pending Publication Date: 2020-06-09
上海远眸软件有限公司
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Problems solved by technology

Due to the different professional levels of experts, it is very likely that the ability to identify hidden risks in some cases is insufficient, and some risk factors may be missed
The more important point is that the rule engine is easy to be breached, and once it is guessed by hackers, it will fail, which greatly reduces the security and effectiveness of the

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  • Vehicle insurance rapid claim settlement method and system based on tree model
  • Vehicle insurance rapid claim settlement method and system based on tree model

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Example Embodiment

[0049] A further description will be given below with reference to the drawings and specific embodiments.

[0050] Such as figure 1 As shown, this embodiment provides a method for fast settlement of auto insurance claims based on a tree model, which mainly includes the following steps:

[0051] S1: Data preprocessing, processing or filling the outliers and null values ​​in the auto insurance claims data;

[0052] S2: The construction of the data set, the above-mentioned preprocessed data is classified into two categories to form a data set;

[0053] S3: Construction of features, build a feature library according to different feature types;

[0054] S4: Construction of a machine learning model, based on the data set and feature library, using the XGBoost tree model to build a fast auto insurance claims model;

[0055] S5: Model training, randomly select risk cases and normal cases according to a certain ratio, construct a training set, and re-determine the optimal ratio of positive sample...

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Abstract

The invention relates to a vehicle insurance rapid claim settlement method and system based on a tree model. The method comprises the steps of: processing or filling abnormal values and null values invehicle insurance claim settlement data; carrying out dichotomy on the preprocessed data to form a data set; constructing a feature library according to different feature types; based on the data setand the feature library, using an XGBoost tree model to construct a vehicle insurance rapid claim settlement model; randomly extracting risk cases and normal cases according to a certain proportion,constructing a training set, and determining the optimal proportion of positive samples to negative samples again according to training results. According to the invention, the accuracy and interpretability of the model are significantly improved, and the efficiency of vehicle insurance claim settlement is greatly improved.

Description

technical field [0001] The invention relates to the technical field of auto insurance claim automatic discrimination algorithm, in particular to a method and system for fast auto insurance claim settlement based on a tree model. Background technique [0002] According to the statistics of relevant departments, small-amount cases account for more than 70% of the auto insurance claims business, and the claim settlement cycle still takes about 1 to 2 weeks, and the entire process is very time-consuming. Based on cost control and customer service considerations, insurance companies expect to quickly settle claims and close cases for small-amount cases to reduce manpower investment. However, in the field of auto insurance, there are a lot of fraudulent activities. Balancing the time requirements of the claim settlement process with the insurance company's anti-fraud risk control requirements is the core requirement of the rapid claim settlement business. The traditional auto ins...

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Application Information

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IPC IPC(8): G06Q40/08G06N20/00
CPCG06Q40/08G06N20/00
Inventor 肖延国戴杰周忠球
Owner 上海远眸软件有限公司
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