Information data processing and analyzing method

Abstract

The invention discloses an information data processing and analyzing method, which comprises the following steps of: classifying claim settlement servers into at least three types, namely a property insurance claim settlement server, a life insurance claim settlement server and a vehicle insurance claim settlement server, and receiving claim settlement application data uploaded by each type of claim settlement server, carrying out big data risk analysis on the claim application data uploaded by the property insurance claim server, and when each property insurance claim server receives the claim application data of the insurance purchaser and the insurance beneficiary corresponding to the high-risk accident reason, the high-risk accident place and the high-risk insurance policy number, a command of delegating a claim reviewer to perform evidence obtaining review is generated, and the command is sent to each claim server terminal; the claim case corresponding to the claim application data carrying the high-risk accident cause, the high-risk accident place, the high-risk insurance purchaser and the high-risk insurance beneficiary can be preferentially delegated to be subjected to claim reviewer evidence obtaining and reviewing, and the loss of an insurance company caused by insurance fraud cases is effectively reduced.

Description

technical field [0001] The invention relates to the technical field of insurance claims processing, in particular to an information data processing and analysis method. Background technique [0002] With the improvement of people's living standard and knowledge level, more and more people choose to buy insurance to resist the risks caused by possible accidents to their families and individuals. Insurance claims are an important part of insurance. In insurance claims, there must be some situations that do not meet the claims or errors in the claims procedures, resulting in inability to settle claims or a long claim settlement period, which will give people the impression that it is difficult to settle claims. It will reduce people's trust in insurance companies. In addition, in order to improve their performance, some insurance sales staff often use stalking methods to sell various insurances to customers, resulting in a worse impression of insurance companies. Therefore, fo...

AI Technical Summary

Problems solved by technology

However, insurance companies have limited claim review personnel. During the peak period of claim settlement applications, it is difficult to conduct evidence collection and review on enough claim settlement cases in a short period of time, resulting in an increase in the success rate of insurance fraud and increased losses of insurance companies.

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