Insurance accurate risk control, management, intelligent customer service and marketing system based on database and algorithm of big data

Abstract

The invention relates to the technical field of risk control management, in particular to an insurance accurate risk control, management, intelligent customer service and marketing system based on a big data database and algorithm. The system comprises a technical support unit, a data model unit, a user management unit, a risk control management unit and a security application unit; the technical support unit is used for providing various intelligent technologies for supporting system operation; the data model unit is used for building a risk prediction model and learning; the user management unit is used for managing user personnel; the risk control management unit is used for identifying, controlling and managing various risk factors; and the security application unit is used for performing security management on the insurance service. According to the method, information islands are broken through, and the risk of personnel behaviors can be effectively reduced; meanwhile, risk types in different insurance types can be quickly identified and predicted so as to control and make decisions; in addition, the risk control cost can be reduced, the risk control effect can be improved, the risk control efficiency can be improved, the risk control process can be simplified, the risk hidden danger can be reduced, and the benefits of insurance users and insurance companies can be effectively guaranteed.

Description

technical field [0001] The present invention relates to the technical field of risk control management, in particular to a precise risk control, management, smart customer service and marketing system for insurance based on big data databases and algorithms. Background technique [0002] Insurance is an important part of the social and economic security system. With the continuous development of the social economy and the continuous improvement of people's awareness of security, the scope of insurance business is also becoming wider and wider. In the process, as the core of insurance, insurance risk Control management is also known as the most critical issue in the development of the industry. The current risk management of the insurance industry faces three difficulties: first, insurance fraud is frequent and increasingly specialized; second, risk management such as underwriting and compensation still mainly relies on manual experience, which is costly and ineffective; Thi...

AI Technical Summary

Problems solved by technology

However, due to the wide range of insurance business, various types of insurance, and various types of risks, it is impossible to comprehensively and quickly identify and control risks, and there is currently no insurance risk control management system covering multiple types of insurance.

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