Method for obtaining underwriting result and related device
An underwriting and first-line technology, applied in the field of intelligent insurance, can solve problems such as high accuracy requirements, and achieve the effect of improving efficiency and reducing calculation loss
Pending Publication Date: 2020-07-28
SHANGHAI SENSETIME INTELLIGENT TECH CO LTD
View PDF7 Cites 0 Cited by
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
Due to the high requirements for the accuracy of underwriting in the actual use of underwriting, it has brought huge challenges to the research and development of the policy engine
Method used
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View moreImage
Smart Image Click on the blue labels to locate them in the text.
Smart ImageViewing Examples
Examples
Experimental program
Comparison scheme
Effect test
Embodiment Construction
[0029] The following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.
[0030] The existing underwriting is implemented manually or by a strategy engine. After receiving the information of the policyholder and the insured, the underwriter completes the underwriting judgment based on business knowledge and a few subjective factors. This method Contains subjectivity, and the judgment standards among underwriters are not uniform. The judgment of the strategy engine is more rational than manual judgment, and the rules are...
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More PUM
Login to View More Abstract
The invention provides a method for obtaining an underwriting result and a related device. The method comprises the steps of obtaining to-be-detected information for judging the underwriting result; processing the to-be-detected information to obtain a first vector and a second vector corresponding to each piece of to-be-detected information; performing linear training on the first vector and outputting first output information; performing first nonlinear training on the second vector to obtain a first training result; performing second nonlinear training on the second vector to obtain a second training result; performing linear training on the first training result and the second training result and outputting second output information; coupling the first output information and the secondoutput information to obtain third output information; and obtaining the underwriting result according to the third output information. According to the underwriting result obtaining method providedby the invention, linear training and nonlinear training are combined, and two nonlinear training modes are combined, so that the calculation loss is reduced, and the underwriting judgment efficiencyand the underwriting result accuracy are improved.
Description
technical field [0001] The invention relates to the field of intelligent insurance, in particular to a method and a related device for obtaining an underwriting result. Background technique [0002] Underwriting is a crucial link in the entire insurance process, and it is a concrete manifestation of the advancement of risk control. A slight error in the underwriting process will put the policyholder, the insured and the insurance company in a dilemma. [0003] If the risk control is too loose during the underwriting process, then when the insurance company faces malicious consumers, it will suffer losses; if the risk control is too strict, some normal consumers will suffer from misjudgment to the proper service. [0004] Currently, the underwriting technologies adopted in the market include manual underwriting and policy engine underwriting. Manual underwriting is done manually by the underwriting staff. After the underwriting staff receives the information of the policyh...
Claims
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More Application Information
Patent Timeline
Login to View More Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06N3/08
CPCG06Q40/08G06N3/08
Inventor 张捷汤毅
Owner SHANGHAI SENSETIME INTELLIGENT TECH CO LTD