Insurance claim settlement method and device, electronic device and storage medium

Abstract

The invention provides an insurance claim settlement method. The method comprises the steps of obtaining a claim settlement request of a target user; detecting a proof file through an improved cosine similarity algorithm, and if it is detected that the proof file is not counterfeited, carrying out claim settlement processing; judging whether the insurance information of an insured meets a claim settlement condition or not, if the insurance information of the insured meets the claim settlement condition, performing responsibility matching on the insurance information of the insured and a responsibility detailed statement, and calculating the claim settlement amount according to a matching result; and comparing the claim settlement amount with the maximum claim settlement limit, and carrying out claim payment. According to the insurance claim settlement method, through the improved cosine similarity algorithm, a seal signature image correlation coefficient and a position pixel value interval value of a to-be-detected seal signature image and a to-be-verified seal signature image, and by considering the RGB color value information of the to-be-detected seal signature image and the to-be-verified seal signature image at pixel positions, the illegal insurance fraud behaviors can be effectively identified, and the claim settlement efficiency is high.

Description

technical field [0001] The present invention relates to the field of financial technology, in particular to an insurance claim settlement method, device, electronic equipment and computer-readable storage medium. Background technique [0002] In recent years, with the rapid development of the insurance industry, various types of insurance have been derived, and various types of insurance have widely appeared in people's lives. Among them, issues related to insurance claims have also attracted more and more attention from the insured. Insurance claim settlement means that when an insured accident occurs in the subject matter of insurance and the property of the insured is damaged or the life of the insured is damaged, or other insured accidents stipulated in the policy need to pay insurance money, the insurance company performs the compensation or payment responsibility according to the contract the behavior of. [0003] However, the existing insurance claim settlement meth...

AI Technical Summary

Problems solved by technology

[0003] However, the existing insurance claim settlement method uses a manual review method to review the customer's claim settlement application, which is inefficient, consumes more labor costs, and wastes the time of the insured personnel, and the user experience is poor

On the other hand, when some users apply for claims, they will provide false claim information (for example, fictitious insurance accidents, exaggerating the severity of insurance accidents, etc.), and the professional level of each reviewer is different, so there may be some cases of fraudulent behavior. Insurance claims cannot be identified

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