Group fraud identification method and system

Abstract

The invention discloses a group fraud identification method and system, and relates to the technical field of computers. A specific embodiment of the method comprises the steps of loading insurance policy information to a point-side relation graph according to an insurance policy field of the insurance policy information and a mapping relation between nodes and sides of the pre-created point-side relation graph, and generating a corresponding insurance policy relation network; according to a set screening condition, carrying out risk level labeling on the sub-networks of the insurance policy relationship network to obtain labeling results of the sub-networks, and combining the sub-networks belonging to a target risk level into a group fraud network; receiving a risk assessment request for a target insurance policy, calculating an association degree between the target insurance policy and the group fraud network according to parameters of the risk assessment request, and determining a fraud risk of the target insurance policy according to the association degree. According to the embodiment, the insurance policy with the group fraud behavior can be efficiently and completely identified in real time, and the business risk is reduced.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a group fraud identification method and system. Background technique [0002] In recent years, the accident rate and loss rate of insurance products have gradually increased. Taking flight delay insurance (referred to as flight delay insurance) as an example, the loss rate has increased from 8% in 2019 to 38% in 2021, an increase of 30% percentage point. Part of the reason for the above phenomenon is that insurance companies have various problems in underwriting and claims settlement, which lead to frequent insurance fraud. Therefore, in order to reduce business risks, it is necessary to identify insurance fraud and intercept it. [0003] The types of insurance fraud include individual fraud and group fraud. When identifying group fraud, the existing technology builds a group fraud network by writing SQL statements. This method is cumbersome in code, low in operating efficienc...

AI Technical Summary

Problems solved by technology

Part of the reason for the above phenomenon is that insurance companies have various problems in underwriting and claim settlement, which lead to frequent insurance fraud. Therefore, in order to reduce business risks, it is necessary to identify and intercept insurance fraud

[0003] The types of insurance fraud include individual fraud and group fraud. When the existing technology identifies group fraud, it builds a group fraud network by writing SQL statements. This method is cumbersome in code, low in operating efficiency, and cannot identify a complete fraud group.

In addition, the constructed group fraud network is usually applied in the form of a blacklist. In this way, only when the user purchases an insurance product again will it be intercepted. The application range is small and the value of the group fraud network cannot be fully utilized.

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