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Information processing method and device, equipment and storage medium

An information input and target technology, applied in the field of information processing, can solve the problems of heavy manual work, high risk of claim settlement, lack of effective means to identify insurance fraud events, etc., and achieve the effect of reducing fraud risk and improving processing efficiency

Active Publication Date: 2021-10-01
SUNSHINE LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In this way, in the verification process, on the one hand, the manual workload is large, and the verification results are greatly affected by human subjective factors, resulting in low efficiency of claim settlement review; As a result, there is a lack of effective means to identify insurance fraud events in the process of claim settlement review, resulting in high risk of claim settlement, which is not conducive to improving the efficiency of claim settlement review

Method used

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  • Information processing method and device, equipment and storage medium
  • Information processing method and device, equipment and storage medium
  • Information processing method and device, equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0062] figure 1 It shows a schematic flowchart of an information processing method provided by the embodiment of the present application, wherein the method includes steps S110-S130; specifically:

[0063] S110. Input the claim information to be settled into the trained claim coverage prediction model, and determine whether the claim information satisfies the claim coverage condition of the target insurance according to the output result of the claim coverage prediction model.

[0064] Specifically, the target insurance is the insurance corresponding to the liability type and scope of the insurance policy to which the claim information belongs; for example, when the claim information belongs to the insurance category of medical insurance, the insurance liability type and scope are: In the case of disease insurance, the target insurance is the critical illness insurance under the medical insurance directory; the claim information includes at least: the age, occupation and other...

Embodiment 2

[0147] Figure 5 A schematic structural diagram of an information processing device provided by an embodiment of the present application is shown, and the device includes:

[0148] The first prediction module 510 is used to input the claim information to be settled into the trained claim range prediction model, and determine whether the claim information satisfies the claim range condition of the target insurance according to the output result of the claim range prediction model ; Wherein, the target insurance is the insurance corresponding to the liability type and scope of the insurance policy to which the claim information belongs;

[0149] The first response module 520 is configured to input the claim information into the trained fraud risk prediction model in response to the claim information meeting the claim coverage conditions of the target insurance, and obtain that the claim information belongs to fraud The risk probability value of the event;

[0150] The second r...

Embodiment 3

[0186] Such as Image 6 As shown, the embodiment of the present application provides a computer device 600 for executing the information processing method in the present application, the device includes a memory 610, a processor 620 and a A computer program running on the above-mentioned computer program, wherein, when the processor 620 executes the above-mentioned computer program, the steps of the above-mentioned information processing method are realized.

[0187] Specifically, the above-mentioned memory 610 and processor 620 may be general-purpose memory and processor, which are not specifically limited here. When the processor 620 runs the computer program stored in the memory 610, it can execute the above-mentioned information processing method.

[0188] Corresponding to the information processing method in this application, the embodiment of this application also provides a computer-readable storage medium, where a computer program is stored on the computer-readable sto...

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Abstract

The invention provides an information processing method and device, equipment and a storage medium. The method comprises the steps: inputting claim information to be subjected to claim settlement into a trained claim settlement range prediction model, and determining whether the claim information meets the claim settlement range condition of a target insurance or not according to the output result of the claim settlement range prediction model; in response to the fact that the claim information meets the claim settlement range condition of the target insurance, inputting the claim information into a trained fraud risk prediction model to obtain a risk probability value that the claim information belongs to a fraud event; and in response to the condition that the risk probability value meets a preset claim settlement risk condition, performing claim settlement on an accident person corresponding to the claim information according to the claim payment condition in the claim information. Therefore, the claim information to be subjected to claim settlement can be processed, the claim information with a fraud risk is eliminated under the condition that the claim information is determined to belong to the claim settlement range, and the processing efficiency of the claim information is improved.

Description

technical field [0001] The present application relates to the technical field of data processing, and in particular, to an information processing method, device, device, and storage medium. Background technique [0002] In the field of insurance business, the insured of the insurance is also called the insurer when a claim is made. When the insurer files an application for claim settlement, business personnel are required to review the case of the insurer's application for compensation to determine whether it is necessary to insure the insurer. Make a claim. With the increase of insurance fraud cases, how to effectively review claims cases has become an urgent technical problem in the current insurance business field. [0003] The current claim settlement review method mainly adopts the method of manual review. The business personnel check the claimant according to the policy information of the claimant and the claim application submitted by the claimant, and judge whether ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06K9/62G06F40/284
CPCG06Q40/08G06F40/284G06F18/2415
Inventor 王培王佳郭小川高惠庭李春萌
Owner SUNSHINE LIFE INSURANCE CO LTD
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