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Underwriting risk control monitoring method, device and equipment and storage medium

A technology of underwriting and risk control, applied in the field of artificial intelligence, which can solve the problems of lack of monitoring of risk prediction models, manslaughter of policies, and data analysis of intercepted orders.

Pending Publication Date: 2021-02-05
CHINA PING AN PROPERTY INSURANCE CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to solve the technical problem that the lack of monitoring in the existing risk prediction model makes it difficult to analyze the data of policy manslaughter and intercepted orders

Method used

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  • Underwriting risk control monitoring method, device and equipment and storage medium
  • Underwriting risk control monitoring method, device and equipment and storage medium
  • Underwriting risk control monitoring method, device and equipment and storage medium

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Embodiment Construction

[0085] In the technical solution of the present invention, the underwriting risk control monitoring instruction and the monitored insurance type input by the user are obtained, and the monitoring type represented by the underwriting risk control monitoring instruction is determined, wherein the monitoring type includes result monitoring and process monitoring; If the monitoring type is result monitoring, obtain the policy corresponding to the insurance type and the policy information corresponding to the policy, and make a corresponding risk map according to the policy and the policy information, wherein the risk The map includes risk bills and risk scores of each insurance location divided in a preset geographical area; according to the risk bill and risk score, determine the high-risk locations among the insurance locations divided in the geographical area, and Early warning for the high-risk locations; if the monitoring type is process monitoring, then analyze the underwriti...

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Abstract

The invention relates to the field of artificial intelligence, and discloses an underwriting risk control monitoring method, device and equipment and a storage medium, and the method comprises the steps: obtaining an underwriting risk control monitoring instruction inputted by a user and a monitored insurance type, and judging the monitoring type represented by the instruction; if the monitoring type is result monitoring, acquiring insurance policies and various insurance policy information corresponding to the insurance type, making a corresponding risk map according to the insurance policiesand the insurance policy information, wherein the risk map comprises risk single quantities and risk scores of various insurance places; according to the risk order quantity and the risk score, determining a high-risk place in the insurance places divided in the geographic area, and carrying out early warning on the high-risk place; if the monitoring type is process monitoring, analyzing an underwriting process of the insurance policy according to the insurance policy information to obtain process monitoring data; and sending the risk map or the process monitoring data to the user. In addition, the invention also relates to a blockchain technology, and the risk single quantity can be stored in the blockchain.

Description

technical field [0001] The present invention relates to the field of artificial intelligence, in particular to a method, device, equipment and storage medium for nuclear security risk control and monitoring. Background technique [0002] With the enhancement of people's insurance awareness, commercial insurance has become an important part of the current social security system. According to available reference data, the number of policies of some insurance institutions is in the tens of millions. After these policies are generated in the insurance system, they need to be underwritten to determine whether the information in the policy meets the insurance requirements. The existing underwriting methods for insurance policies are generally manually underwritten, such as based on risk control. Rules and product pricing rules for different customer groups, auxiliary information, etc., manually review the insurance policy. However, with the rapid development of big data mining, m...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q10/04G06Q10/06
CPCG06Q40/08G06Q10/04G06Q10/067Y02A90/10
Inventor 喻芳
Owner CHINA PING AN PROPERTY INSURANCE CO LTD
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