Car insurance human injury damage assessment method and device based on big data, electronic equipment and medium
A technology of auto insurers and big data, which is applied in the fields of electronic equipment, computer-readable storage media, devices, and auto insurance personal injury assessment methods, can solve the problems of wasting human resource costs in claim settlement, and achieve the effect of improving the efficiency of personal injury assessment
Pending Publication Date: 2022-07-15
ONE CONNECT SMART TECH CO LTD SHENZHEN
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AI Technical Summary
Problems solved by technology
Currently, cases involving auto insurance personal injury claims cannot be quickly and accurately determined, so the timeliness of personal injury claims is much longer than that of auto insurance claims, and a lot of human resource costs are wasted
Method used
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specific Embodiment approach
[0115] In detail, the specific implementation of each module of the device 100 based on big data is as follows:
[0116] Step 1: Obtain target information of the person to be claimed, where the target information includes identity information, injured part, and injury degree.
[0117] In this embodiment, the person to be claimed is a person who needs to make a personal injury claim after reporting the auto insurance. For example, if car A collides with car B, and the owner of car A is injured, then the owner of car A is the person to be compensated.
[0118] In this embodiment, the identity information may include information such as gender and age.
[0119] In this embodiment, the injured part may specifically include a class of parts to which the injured part belongs, and the class of parts may include a first class of parts and a second class of parts, where the second class of parts is a subclass of the first class of parts. For example, the first category of the injured...
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The invention relates to an artificial intelligence technology, and discloses a big data-based vehicle insurance person injury damage assessment method, which comprises the steps of obtaining target information of a person to be subjected to claim settlement; querying a historical diagnosis data set corresponding to historical injured person information matched with the target information; acquiring updated medicine information corresponding to the medicine information in the historical diagnosis data set, and acquiring a medicine price corresponding to the updated medicine information; updating a historical loss assessment data set in the historical diagnosis data set by using the updated drug information and the drug price to obtain an updated loss assessment data set; calculating expectation and variance of updating loss assessment data set distribution; and determining loss assessment scheme information of the to-be-claimed personnel according to the expectation and the variance. In addition, the invention also relates to a block chain technology, and the loss assessment scheme information can be stored in a node of a block chain. The invention further provides a big data-based vehicle insurance human injury damage assessment method and device, electronic equipment and a computer readable storage medium. The problem that the human injury damage assessment efficiency is low can be solved.
Description
technical field [0001] The present invention relates to the technical field of artificial intelligence, and in particular, to a method, device, electronic device and computer-readable storage medium based on big data for estimating personal injury and loss in auto insurance. Background technique [0002] Personal injury claims are a part of auto insurance personal injury claims. At present, personal injury claims need to be paid in advance according to the injured person, and then the personal injury is determined, which is inefficient. You can’t quote the amount of loss on the spot just by taking a photo of the damaged part of the vehicle, and transfer the money directly on the spot to close the case. At present, in cases involving auto insurance personal injury claims, due to the inability to quickly and accurately determine personal injury losses, the timeliness of personal injury claims is far greater than that of auto insurance claims, and a lot of human resource costs...
Claims
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Patent Timeline
Login to View More IPC IPC(8): G06Q40/08G06V40/16G06V30/18G16H20/10G06N3/08G06N3/04G06V10/82
CPCG06Q40/08G06N3/08G16H20/10G06N3/045
Inventor 张生
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN