Claim settlement method and system based on knowledge graph

A knowledge graph and graph technology, applied in the field of claims settlement methods and systems based on knowledge graphs, can solve the problems of inability to control claims risk, high cost, and high reliance on claims underwriters, achieve fast and effective reference, reduce manual operations, The effect of improving the efficiency of claims settlement

Inactive Publication Date: 2021-05-14
北京肇祺信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The traditional claim system is mainly based on rules and manual methods. The disadvantages are low update frequency, high dependence on claim underwriting personnel, inability to effectively expand, high cost, and low efficiency. It is impossible to control the risk of claim settlement artificially. Effective and accurate control of claims risk

Method used

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  • Claim settlement method and system based on knowledge graph
  • Claim settlement method and system based on knowledge graph
  • Claim settlement method and system based on knowledge graph

Examples

Experimental program
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Embodiment

[0066] Such as figure 1 and Figure 6 As shown, in the first aspect, the embodiment of the present invention provides a claim settlement method based on knowledge graph, including the following steps:

[0067] S1. Collect historical claim data and create a claim data set;

[0068] In some embodiments of the present invention, collect historical claim data, integrate various types of insurance data and some claim data after the insurance starts to form a complete claim data set, and provide comprehensive data for subsequent data model training Basic; the above-mentioned historical claims data includes historical insurance accident type, accident time, accident content, insurance content, claim settlement process and claim settlement items, etc.

[0069] S2. According to the claim data set, the preset classification model is used to perform data classification processing to generate classification information;

[0070] In some embodiments of the present invention, after the c...

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PUM

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Abstract

The invention discloses a claim settlement method based on a knowledge graph. The method comprises the following steps: collecting historical claim settlement data and establishing a claim settlement data set; performing data classification processing by adopting a preset classification model according to the claim settlement data set to generate classification information; establishing a claim knowledge graph according to the classification information; obtaining claim settlement accident information, and extracting corresponding target claim settlement data in the claim settlement knowledge graph according to keywords in the claim settlement accident information; and generating and sending a claim decision scheme according to the target claim data and a preset rule. The method relates to the technical field of claim. The invention further discloses a claim settlement system based on the knowledge graph. The method and the system have the advantages that the knowledge graph and the claim settlement piece are combined, the accuracy of the insurance checking process is improved, the cost is effectively reduced, the overall operation efficiency is improved, and the claim settlement risk is reduced.

Description

technical field [0001] The present invention relates to the technical field of claim settlement, in particular, to a claim settlement method and system based on a knowledge graph. Background technique [0002] With the improvement of users' recognition of insurance products, the volume of domestic insurance business has shown a sharp increase. All large insurance companies regard the improvement of process automation as an important goal. In terms of the experience of claimants and users, there are requirements for faster and more efficient claim settlement services. The traditional claim system is mainly based on rules and manual methods. The disadvantages are low update frequency, high dependence on claim underwriting personnel, inability to effectively expand, high cost, and low efficiency. It is impossible to control the risk of claim settlement artificially. Effective and accurate control of claims risk. Contents of the invention [0003] In order to overcome the ab...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06F16/35G06F16/36
CPCG06Q40/08G06F16/35G06F16/367
Inventor 许美子林欣
Owner 北京肇祺信息科技有限公司
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