Customer risk tag batch identification method and device, equipment and medium

Abstract

The invention relates to a risk identification technology, and discloses a customer risk tag batch identification method comprising the following steps: obtaining risk tag identification data from a pre-established tag identification database; the method comprises the following steps: acquiring insuring request data, acquiring insurance applicant information according to the insuring request data, starting a dynamic thread according to the number of insurance applicants contained in the insurance applicant information to acquire insurance applicant risk label data in batches, acquiring insuring product information according to the insuring request data, and matching the insurance product information with the risk label identification data to obtain a label identification product risk label identification, and performing batch risk label verification on the insurance applicant according to the label identification product risk label identification and the insurance applicant risk label data to obtain a risk label verification result. The invention further provides a customer risk tag batch identification device, electronic equipment and a storage medium. According to the invention, the efficiency of risk tag batch identification can be improved.

Description

Technical Field

[0001] The present invention relates to the field of risk identification technology, and in particular to a method, device, equipment and medium for batch identification of customer risk labels. Background Art

[0002] The identification and interception of customers with risk tags is an important risk control measure in the property and casualty insurance risk control system. By identifying the natural person subjects (policyholders or insured persons) in the underwriting process and combining the insurance product information that needs to be verified, such as technical products, market products, types of insurance and liabilities, the customers with risk tags in the risk control system are matched with the risk rules. If the match is successful, the underwriting verification will be rejected. Risk tag management can effectively intercept malicious insurance of enterprises by abnormal customers, reduce malicious claims and insurance fraud, and is an important risk control measure to safeguard the interests of enterprises.

[0003] However, the existing risk label identification method usually obtains the insured's ID number, retrieves the insured's risk label based on the ID number, and then determines whether the insured's risk label hits the risk label of the insured product. This method is extremely inefficient when there is a lot of insured data. Summary of the invention

[0004] The present invention provides a method, device, equipment and medium for batch identification of customer risk labels, the main purpose of which is to solve the problem of low efficiency of existing risk label identification methods.

[0005] To achieve the above purpose, the present invention provides a method for batch identification of customer risk labels, comprising:

[0006] Acquire risk label identification data from a pre-established label identification database;

[0007] Obtaining insurance request data, and obtaining policyholder information according to the insurance request data;

[0008] According to the number of policyholders included in the policyholder information, a dynamic thread is started to batch obtain policyholder risk label data;

[0009] Acquire the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain the label identification product risk label identification;

[0010] Batch risk label verification is performed on the insured according to the label identification product risk label identification and the insured risk label data to obtain a risk label verification result.

[0011] Optionally, the acquiring risk tag identification data from a pre-established tag identification database includes:

[0012] Obtaining the access address of the tag identification database and a preset database key;

[0013] Acquiring identification data of the tag identification database according to the access address using the database key;

[0014] The identification data is processed to remove useless symbols to obtain the risk label identification data.

[0015] Optionally, obtaining the policyholder information according to the insurance request data includes:

[0016] Obtaining the personal information of each insured person in the insurance application data to obtain initial insured person information;

[0017] Identify the policyholders who are within the risk label accommodation period based on the personal information of each policyholder;

[0018] The personal information of the insured who is in the risk label accommodation period is removed from the initial insured information to obtain the insured information

[0019] Optionally, starting a dynamic thread to batch acquire policyholder risk label data according to the number of policyholders included in the policyholder information includes:

[0020] Acquire the number of policyholders according to the policyholder information;

[0021] Determining whether the number of policyholders is less than a preset threshold;

[0022] If the number of the insured persons is less than the number threshold, then obtaining the risk label data of each insured person from a pre-established risk label database according to the insured person information;

[0023] If the number of the insured persons is greater than or equal to the threshold number, risk label data of each insured person is obtained from a pre-established risk label database according to the insured person information by using multiple threads.

[0024] Optionally, acquiring risk label data of each policyholder from a pre-established risk label database according to the policyholder information includes:

[0025] Obtaining the ID card number of each insured person according to the insured person information;

[0026] Use the ID card number of each policyholder to match the risk label database established in advance to obtain the risk label of each policyholder;

[0027] Integrate the risk label of each policyholder to obtain the policyholder risk label data.

[0028] Optionally, the matching of the insured product information with the risk label identification data to obtain a label identification product risk label identification includes:

[0029] Obtaining the serial number information of the insured product according to the insured product information;

[0030] The risk label identification data is traversed according to the numbering information to obtain a label identification that matches the numbering information, thereby obtaining the label identification product risk label identification.

[0031] Optionally, performing batch risk label verification on the insured according to the label identification product risk label identification and the insured risk label data to obtain the risk label verification result includes:

[0032] Traversing each policyholder's risk label in the policyholder risk label data, and determining whether there is a policyholder risk label in the policyholder risk label data that matches the label identification product risk label identification;

[0033] If the insured risk label data contains an insured risk label that matches the label identification product risk label identification, it is determined that this risk label verification fails;

[0034] If there is no policyholder risk label in the policyholder risk label data that matches the label identification product risk label identification, it is determined that this risk label verification has passed.

[0035] In order to solve the above problems, the present invention also provides a device for batch identification of customer risk labels, the device comprising:

[0036] A data acquisition module, used to acquire risk tag identification data from a pre-established tag identification database, acquire insurance request data, and acquire policyholder information according to the insurance request data;

[0037] A risk label acquisition module, used to start a dynamic thread to batch acquire the risk label data of the policyholders according to the number of policyholders included in the policyholder information;

[0038] A label identification matching module is used to obtain the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain the label identification product risk label identification;

[0039] The risk label verification module is used to perform batch risk label verification on the insured according to the label identification product risk label identification and the insured risk label data to obtain the risk label verification result.

[0040] In order to solve the above problem, the present invention further provides an electronic device, the electronic device comprising:

[0041] at least one processor;

[0042] and, a memory communicatively coupled to the at least one processor;

[0043] Among them, the memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the above-mentioned customer risk label batch identification method.

[0044] In order to solve the above problems, the present invention also provides a computer-readable storage medium, in which at least one computer program is stored. The at least one computer program is executed by a processor in an electronic device to implement the above-mentioned method for batch identification of customer risk labels.

[0045] The embodiment of the present invention obtains risk label identification data from a pre-established label identification database, obtains insurance request data, obtains policyholder information according to the insurance request data, thereby improving the efficiency of obtaining policyholder risk label data, starts a dynamic thread according to the number of policyholders contained in the policyholder information to batch obtain policyholder risk label data, thereby improving the efficiency of data acquisition, obtains insured product information according to the insurance request data, uses the insured product information to match the risk label identification data to obtain a label identification product risk label identification, performs batch risk label verification on policyholders according to the label identification product risk label identification and the policyholder risk label data, obtains risk label verification results, and improves the efficiency of batch risk label verification on customers. Therefore, the customer risk label batch identification method, device, electronic device and computer-readable storage medium proposed in the present invention can solve the problem of low efficiency of existing risk label identification methods. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] Figure 1 A schematic diagram of a process for batch identifying customer risk labels provided by an embodiment of the present invention;

[0047] Figure 2 A schematic diagram of a process for obtaining risk tag identification data provided by an embodiment of the present invention;

[0048] Figure 3 A schematic diagram of a process for obtaining risk tag data of an insured person provided by an embodiment of the present invention;

[0049] Figure 4 A functional module diagram of a device for batch identifying customer risk labels provided by an embodiment of the present invention;

[0050] Figure 5 A schematic diagram of the structure of an electronic device for implementing the method for batch identifying customer risk labels provided in one embodiment of the present invention.

[0051] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0052] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0053] The embodiment of the present application provides a method for batch identification of customer risk labels. The execution subject of the method for batch identification of customer risk labels includes but is not limited to at least one of the electronic devices such as a server, a terminal, etc. that can be configured to execute the method provided by the embodiment of the present application. In other words, the method for batch identification of customer risk labels can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc. The server can be an independent server, or it can be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), and big data and artificial intelligence platforms.

[0054] Reference Figure 1 FIG. 1 is a flow chart of a method for batch identifying customer risk labels provided by an embodiment of the present invention. In this embodiment, the method for batch identifying customer risk labels includes:

[0055] S1. Obtain risk tag identification data from a pre-established tag identification database.

[0056] In the embodiment of the present invention, the label identification database is a database containing a large amount of risk label identification data, which is specifically used to centrally manage and store a large number of risk label rules and their corresponding label identification data. This database design aims to efficiently integrate and classify the key information required for various risk identification and assessment, ensuring that each risk point or risk behavior can be accurately captured and marked through unique and clear label rules and label identification. Through these carefully designed label rules, the system can automatically identify, classify and record various potential or manifested risk events, providing solid data support for subsequent risk analysis, early warning and formulation of response strategies.

[0057] In addition, the database is highly scalable and flexible, allowing the dynamic addition, modification or deletion of label rules and their identifiers according to changes in business needs or risk environments to ensure the timeliness and applicability of the database. At the same time, in order to ensure the security and privacy of data, the database also uses advanced encryption technology and access control mechanisms to ensure that only authorized users can access and operate the data.

[0058] In detail, the label identification database uses the user's ID number as an index, and the ID number as the user's unique identity information. In the label identification database, each user's ID number is bound to the user's risk label.

[0059] Specifically, in the tag identification database, the user's ID number is given a crucial role. It is not only an index key for retrieving user information, but also a unique identifier for confirming the user's identity. This means that each user's ID number is unique in the database, which can ensure the accuracy and consistency of the information. Under this design, the database closely associates the user with his corresponding risk label through the ID number. A risk label is a data tag used to describe the risk level or characteristics of a user in a specific field (such as finance, insurance, credit assessment, etc.). These labels can be comprehensively evaluated based on a variety of information and behavior patterns of the user, such as credit history, transaction behavior, repayment ability, etc. When the database receives a user's ID number query request, the system automatically retrieves the risk label associated with the ID number. This process is fast and efficient because it directly uses the ID number as an index, thereby avoiding complex query and search operations. Once a matching ID number is found, the system will display the risk label associated with it, which is very valuable for decision makers. In addition, the tag identification database may also contain other auxiliary information, such as the user's contact information, history, etc., but this information is organized and indexed with the ID number as the core. Such a database structure not only ensures the security and privacy of data, but also improves the efficiency of data retrieval and management.

[0060] In the embodiment of the present invention, the risk label refers to a label related to the insured person, such as whether the insured person suffers from a serious illness, whether the insured person suffers from a minor illness, the number of insurance claims, and other labels.

[0061] In the embodiment of the present invention, the risk label identification data refers to the data obtained by combining the risk labels of the insured according to the preset rules. When the risk label of the insured meets the label combination in the risk label identification, the insured is determined to be a risk user and the insurance is rejected. Different products have different risk label identifications. For example, for health insurance, when the personal risk label of the insured meets the rule of "suffering from a serious illness and the number of medical insurance claims is greater than two", the insured is determined to be a risk user and the insurance is rejected; for medical insurance, when the personal risk label of the insured meets the rule of "the number of medical insurance claims is greater than three", the insured is determined to be a risk user.

[0062] In the embodiment of the present invention, refer to Figure 2 FIG. 1 is a flow chart of obtaining risk tag identification data according to an embodiment of the present invention. The process of obtaining risk tag identification data from a pre-established tag identification database includes:

[0063] S21, obtaining the access address of the tag identification database and a preset database key;

[0064] S22, using the database key to obtain identification data of the tag identification database according to the access address;

[0065] S23, removing useless symbols from the identification data to obtain the risk label identification data.

[0066] In detail, the pre-set database key is a character string pre-set by relevant staff.

[0067] In detail, the obtaining of the identification data of the tag identification database according to the access address using the database key is to obtain the identification data by accessing the access address with parameters.

[0068] In detail, the processing of removing useless symbols from the identification data is to remove symbols such as brackets and underscores in the identification data to improve the quality of the data.

[0069] In detail, the identification data is usually in JSON data format, which is not easy to identify. Therefore, it is necessary to remove useless symbols from the identification data to improve data processing efficiency.

[0070] In the embodiment of the present invention, by acquiring risk label identification data from a pre-established label identification database, the efficiency of subsequently acquiring risk label identification of label-identified products is improved.

[0071] S2. Obtain insurance request data, and obtain policyholder information according to the insurance request data.

[0072] In the embodiment of the present invention, the insurance request data refers to the insured information and the insured product information contained when multiple insureds insure the same product.

[0073] In the embodiment of the present invention, the policyholder information includes information on the number of policyholders and identity number information of each policyholder.

[0074] In the embodiment of the present invention, the obtaining of the insurance request data is to obtain the insurance request data from a pre-established insurance system.

[0075] In the embodiment of the present invention, the step of obtaining the policyholder information according to the insurance request data includes:

[0076] Obtaining the personal information of each insured person in the insurance application data to obtain initial insured person information;

[0077] Identify the policyholders who are within the risk label accommodation period based on the personal information of each policyholder;

[0078] The personal information of the insured who is in the risk label accommodation period is removed from the initial insured information to obtain the insured information

[0079] In detail, the risk label tolerance period is a date range set in advance for the insured, which needs to be set according to actual business conditions and business needs. For the insured who are in the risk label tolerance period, no subsequent risk label detection will be performed, so it needs to be removed in advance.

[0080] In the embodiment of the present invention, by acquiring insurance request data, the insured information is acquired according to the insurance request data, thereby improving the acquisition of the insured risk label data.

[0081] S3. According to the number of policyholders included in the policyholder information, a dynamic thread is started to obtain policyholder risk label data in batches.

[0082] In the embodiment of the present invention, starting a dynamic thread to batch acquire policyholder risk label data according to the number of policyholders included in the policyholder information refers to confirming the number of policyholders according to the policyholder information, and judging whether it is necessary to start multiple threads to acquire the policyholders' risk labels according to whether the number of policyholders reaches a preset threshold.

[0083] In detail, multithreading is a way of processing tasks in parallel, which can significantly improve the execution efficiency and response speed of the program, especially when processing IO-intensive or CPU-intensive tasks. Different programming languages ​​have different ways to start and manage threads.

[0084] Specifically, multithreading is an advanced programming technology that allows multiple tasks to be executed in parallel at the same time. The core advantage of this technology is that it can fully utilize the computing power of modern multi-core processors, by breaking down a large task into multiple smaller subtasks and executing these subtasks simultaneously in different threads, thereby significantly improving the execution efficiency and response speed of the program.

[0085] In the embodiment of the present invention, the step of starting a dynamic thread to batch acquire the risk tag data of the policyholders according to the number of policyholders included in the policyholder information includes:

[0086] Acquire the number of policyholders according to the policyholder information;

[0087] Determining whether the number of policyholders is less than a preset threshold;

[0088] If the number of the insured persons is less than the number threshold, then obtaining the risk label data of each insured person from a pre-established risk label database according to the insured person information;

[0089] If the number of the insured persons is greater than or equal to the threshold number, risk label data of each insured person is obtained from a pre-established risk label database according to the insured person information by using multiple threads.

[0090] In the embodiment of the present invention, when the number of the policyholders is greater than or equal to the number threshold, the efficiency of acquiring data is improved by starting multithreading.

[0091] In detail, the number threshold may be 10.

[0092] In detail, the method of obtaining the risk label data of each policyholder from a pre-established risk label database according to the policyholder information by using multiple threads is to realize multi-threaded data processing through concurrent processing.

[0093] Specifically, concurrent processing refers to the processing of multiple tasks (threads, processes or programs) simultaneously in the same time period in computer science. This processing method can improve the efficiency and responsiveness of the system and allow multiple tasks to share computer resources.

[0094] In the embodiment of the present invention, the determination of whether the number of policyholders is less than the preset threshold number is to start sub-threads to process data simultaneously when the number of policyholders reaches a certain number, so as to improve the efficiency of data processing and reduce waiting time. For example, if the number of policyholders is 100, ten sub-threads are started for data processing, and each sub-thread processes the personal information of ten policyholders.

[0095] For details, refer to Figure 3As shown, a schematic diagram of a process of obtaining the risk label data of an insured is provided in an embodiment of the present invention, wherein the risk label data of each insured is obtained from a pre-established risk label database according to the insured information, including:

[0096] S31, obtaining the ID card number of each insured person according to the insured person information;

[0097] S32, using the ID card number of each policyholder to match in a pre-established risk label database to obtain a risk label for each policyholder;

[0098] S33. Integrate the risk label of each policyholder to obtain the policyholder risk label data.

[0099] In detail, the pre-established risk label database is a database specifically used to centrally store and manage the identity information of users who are assigned specific risk labels. These risk labels are derived based on a series of complex algorithmic analysis, historical behavior pattern recognition or expert evaluation, and are intended to accurately reflect the risk type, risk level or risk behavior characteristics that users may be involved in. Each record in the database records the user's identity information in detail, including but not limited to key information such as name, ID number, contact information, and is closely associated with the corresponding risk label. Such a design enables the system to quickly retrieve and identify user groups with specific risk characteristics, providing precise target positioning for subsequent risk monitoring, early warning, management or intervention measures. At the same time, in order to ensure the accuracy and timeliness of the data, the risk label database will be regularly updated and maintained, including adjusting the user's risk label according to the latest risk assessment results, and cleaning or correcting outdated or erroneous identity information. In addition, data security and privacy protection are also important considerations in the design of the database. By implementing strict data encryption, access control and audit mechanisms, it is ensured that only authorized personnel can access and process the data therein. In detail, the risk label of each policyholder is obtained by matching the identity card number of each policyholder in a pre-established risk label database. The corresponding risk label is retrieved in the risk label database based on the identity card number of the policyholder. If no risk label is retrieved in the risk label database using the identity card number of an policyholder, the policyholder is removed to reduce the amount of data and improve subsequent processing efficiency.

[0100] In the embodiment of the present invention, by starting a dynamic thread to batch acquire policyholder risk label data according to the number of policyholders included in the policyholder information, the efficiency of subsequent risk label matching is improved.

[0101] S4. Acquire the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain a label identification product risk label identification.

[0102] In the embodiment of the present invention, the obtaining of the insured product information according to the insurance request data refers to obtaining the serial number information of the insured insurance product.

[0103] In the embodiment of the present invention, the method of matching the insured product information with the risk label identification data to obtain a label identification product risk label identification includes:

[0104] Obtaining the serial number information of the insured product according to the insured product information;

[0105] The risk label identification data is traversed according to the numbering information to obtain a label identification that matches the numbering information, thereby obtaining the label identification product risk label identification.

[0106] In the embodiment of the present invention, since the insurance request information includes the insured information and the insured product information when multiple insureds insure the same product, the product information is unique in a single data processing.

[0107] In an embodiment of the present invention, the matching of the insured product information with the risk label identification data to obtain the label identification product risk label identification and the starting of a dynamic thread according to the number of policyholders included in the policyholder information to batch obtain the policyholder risk label data are performed simultaneously.

[0108] In an embodiment of the present invention, by acquiring the insured product information according to the insurance request data, the efficiency of matching the risk label identification data is improved, and the insured product information is matched with the risk label identification data to obtain the risk label identification of the label identification product, thereby improving the efficiency of obtaining the risk label identification of the label identification product.

[0109] S5. Perform batch risk label verification on the policyholders according to the label identification product risk label identification and the policyholder risk label data to obtain risk label verification results.

[0110] In the embodiment of the present invention, since the insured product information is matched with the risk label identification data to obtain the label identification product risk label identification and the policyholder risk label data are batch acquired by starting a dynamic thread according to the number of policyholders included in the policyholder information, they are performed simultaneously. Therefore, after obtaining the label identification product risk label identification and the policyholder risk label data, the policyholders are immediately subjected to batch risk label verification to improve data processing efficiency.

[0111] In an embodiment of the present invention, the batch risk label verification of the insured is performed according to the label identification product risk label identification and the insured risk label data to obtain the risk label verification result, including:

[0112] Traversing each policyholder's risk label in the policyholder risk label data, and determining whether there is a policyholder risk label in the policyholder risk label data that matches the label identification product risk label identification;

[0113] If the insured risk label data contains an insured risk label that matches the label identification product risk label identification, it is determined that this risk label verification fails;

[0114] If there is no policyholder risk label in the policyholder risk label data that matches the label identification product risk label identification, it is determined that this risk label verification has passed.

[0115] In the embodiment of the present invention, when there is at least one policyholder's risk label in the policyholder risk label data that matches the product risk label, the insurance request will not be approved, thereby effectively protecting the interests of the insurance company.

[0116] In an embodiment of the present invention, by performing batch risk label verification on policyholders based on the label identification product risk label identification and the policyholder risk label data, risk label verification results are obtained, thereby improving the efficiency of batch verification of customer risk labels.

[0117] like Figure 4 , is a functional module diagram of a device for batch identifying customer risk labels provided in one embodiment of the present invention.

[0118] The customer risk label batch identification device 100 of the present invention can be installed in an electronic device. According to the functions to be implemented, the customer risk label batch identification device 100 may include a data acquisition module 101, a risk label acquisition module 102, a label identification matching module 103 and a risk label verification module 104. The module of the present invention can also be referred to as a unit, which refers to a series of computer program segments that can be executed by an electronic device processor and can complete fixed functions, which are stored in the memory of the electronic device.

[0119] In this embodiment, the functions of each module / unit are as follows:

[0120] The data acquisition module 101 is used to acquire risk tag identification data from a pre-established tag identification database, acquire insurance request data, and acquire policyholder information according to the insurance request data;

[0121] The risk label acquisition module 102 is used to start a dynamic thread to batch acquire the risk label data of the policyholders according to the number of policyholders included in the policyholder information;

[0122] The label identification matching module 103 is used to obtain the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain the label identification product risk label identification;

[0123] The risk label verification module 104 is used to perform batch risk label verification on the insured according to the label identification product risk label identification and the insured risk label data to obtain the risk label verification result.

[0124] The data acquisition module 101 is used to acquire risk tag identification data from a pre-established tag identification database, acquire insurance request data, and acquire policyholder information according to the insurance request data.

[0125] In the embodiment of the present invention, the label identification database is a database containing a large amount of risk label identification data.

[0126] In detail, the label identification database uses the user's ID number as an index, and the ID number as the user's unique identity information. In the label identification database, each user's ID number is bound to the user's risk label.

[0127] In the embodiment of the present invention, the risk label refers to a label related to the insured person, such as whether the insured person suffers from a serious illness, whether the insured person suffers from a minor illness, the number of insurance claims, and other labels.

[0128] In the embodiment of the present invention, the risk label identification data refers to the data obtained by combining the risk labels of the insured according to the preset rules. When the risk label of the insured meets the label combination in the risk label identification, the insured is determined to be a risk user and the insurance is rejected. Different products have different risk label identifications. For example, for health insurance, when the personal risk label of the insured meets the rule of "suffering from a serious illness and the number of medical insurance claims is greater than two", the insured is determined to be a risk user and the insurance is rejected; for medical insurance, when the personal risk label of the insured meets the rule of "the number of medical insurance claims is greater than three", the insured is determined to be a risk user.

[0129] Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Identify data Figure 5 , which is a schematic diagram of the structure of an electronic device of a method for batch identifying customer risk labels provided in an embodiment of the present invention.

[0130] The electronic device 1 may include a processor 10, a memory 11, a communication bus 12 and a communication interface 13, and may also include a computer program stored in the memory 11 and executable on the processor 10, such as a customer risk label batch identification program.

[0131] In some embodiments, the processor 10 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or a plurality of integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and combinations of various control chips. The processor 10 is the control core (ControlUnit) of the electronic device, and uses various interfaces and lines to connect the various components of the entire electronic device, and executes or executes the programs or modules (such as the customer risk label batch identification program, etc.) stored in the memory 11, and calls the data stored in the memory 11 to execute various functions of the electronic device and process data.

[0132] The memory 11 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disk, multimedia card, card-type memory (for example: SD or DX memory, etc.), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 11 can be an internal storage unit of an electronic device, such as a mobile hard disk of the electronic device. In other embodiments, the memory 11 can also be an external storage device of an electronic device, such as a plug-in mobile hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the electronic device. Further, the memory 11 can also include both an internal storage unit of the electronic device and an external storage device. The memory 11 can not only be used to store application software and various types of data installed in the electronic device, such as the code of the customer risk label batch identification program, but also can be used to temporarily store data that has been output or is to be output.

[0133] The communication bus 12 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. The bus is configured to realize connection and communication between the memory 11 and at least one processor 10, etc.

[0134] The communication interface 13 is used for communication between the above-mentioned electronic device and other devices, including a network interface and a user interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is generally used to establish a communication connection between the electronic device and other electronic devices. The user interface may be a display (Display), an input unit (such as a keyboard (Keyboard)), and optionally, the user interface may also be a standard wired interface, a wireless interface. Optionally, in this embodiment, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, and an OLED (Organic Light-Emitting Diode, organic light-emitting diode) touch device, etc. Among them, the display may also be appropriately referred to as a display screen or a display unit, which is used to display information processed in the electronic device and to display a visual user interface.

[0135] The figure only shows an electronic device with components. Those skilled in the art will understand that the structure shown in the figure does not constitute a limitation on the electronic device, and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0136] For example, although not shown, the electronic device may also include a power source (such as a battery) for supplying power to each component. Preferably, the power source may be logically connected to the at least one processor 10 through a power management device, so that the power management device can realize functions such as charging management, discharging management, and power consumption management. The power source may also include one or more DC or AC power sources, recharging devices, power failure detection circuits, power converters or inverters, power status indicators, and other arbitrary components. The electronic device may also include a variety of sensors, Bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

[0137] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0138] The customer risk label batch identification program stored in the memory 11 of the electronic device 1 is a combination of multiple instructions. When running in the processor 10, it can achieve:

[0139] Acquire risk label identification data from a pre-established label identification database;

[0140] Obtaining insurance request data, and obtaining policyholder information according to the insurance request data;

[0141] According to the number of policyholders included in the policyholder information, a dynamic thread is started to batch obtain policyholder risk label data;

[0142] Acquire the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain the label identification product risk label identification;

[0143] Batch risk label verification is performed on the insured according to the label identification product risk label identification and the insured risk label data to obtain a risk label verification result.

[0144] Specifically, the specific implementation method of the processor 10 for the above instructions can refer to the description of the relevant steps in the corresponding embodiment of the accompanying drawings, which will not be repeated here.

[0145] Furthermore, if the module / unit integrated in the electronic device 1 is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. The computer-readable storage medium can be volatile or non-volatile. For example, the computer-readable medium can include: any entity or device capable of carrying the computer program code, a recording medium, a USB flash drive, a mobile hard disk, a magnetic disk, an optical disk, a computer memory, and a read-only memory (ROM).

[0146] The present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor of an electronic device, the computer program can implement:

[0147] Acquire risk label identification data from a pre-established label identification database;

[0148] Obtaining insurance request data, and obtaining policyholder information according to the insurance request data;

[0149] According to the number of policyholders included in the policyholder information, a dynamic thread is started to batch obtain policyholder risk label data;

[0150] Acquire the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain the label identification product risk label identification;

[0151] Batch risk label verification is performed on the insured according to the label identification product risk label identification and the insured risk label data to obtain a risk label verification result.

[0152] In the embodiments provided by the present invention, it should be understood that the disclosed devices, apparatuses and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative, for example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

[0153] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0154] In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0155] It is obvious to those skilled in the art that the present invention is not limited to the details of the above exemplary embodiments, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0156] Therefore, no matter from which point of view, the embodiments should be regarded as illustrative and non-restrictive, and the scope of the present invention is limited by the appended claims rather than the above description, so it is intended that all changes falling within the meaning and scope of the equivalent elements of the claims are included in the present invention. Any attached figure mark in the claims should not be regarded as limiting the claims involved.

[0157] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0158] It should be noted that if software tools or components other than those of our company appear in the embodiments of the present application, they are only used for illustrative purposes and do not represent actual use.

[0159] In addition, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in a device claim can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

[0160] Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present invention can be modified or replaced by equivalents without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. A method for batch identification of customer risk labels, characterized in that: The method comprises: Acquire risk label identification data from a pre-established label identification database; Obtaining insurance request data, and obtaining policyholder information according to the insurance request data; According to the number of policyholders included in the policyholder information, a dynamic thread is started to batch obtain policyholder risk label data; Acquire the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain the label identification product risk label identification; Batch risk label verification is performed on the insured according to the label identification product risk label identification and the insured risk label data to obtain a risk label verification result.

2. The method for batch identification of customer risk labels according to claim 1, characterized in that: The step of obtaining risk tag identification data from a pre-established tag identification database includes: Obtaining the access address of the tag identification database and a preset database key; Acquiring identification data of the tag identification database according to the access address using the database key; The identification data is processed to remove useless symbols to obtain the risk label identification data.

3. The method for batch identification of customer risk labels according to claim 2, characterized in that: The obtaining of the policyholder information according to the insurance request data includes: Obtaining the personal information of each insured person in the insurance application data to obtain initial insured person information; Identify the policyholders who are within the risk label accommodation period based on the personal information of each policyholder; The personal information of the policyholder who is in the risk label accommodation period is removed from the initial policyholder information to obtain the policyholder information.

4. The method for batch identification of customer risk labels according to claim 4, characterized in that: The step of starting a dynamic thread to batch-acquire the risk tag data of the policyholders according to the number of policyholders included in the policyholder information includes: Acquire the number of policyholders according to the policyholder information; Determining whether the number of policyholders is less than a preset threshold; If the number of the insured persons is less than the number threshold, then obtaining the risk label data of each insured person from a pre-established risk label database according to the insured person information; If the number of the insured persons is greater than or equal to the threshold number, risk label data of each insured person is obtained from a pre-established risk label database according to the insured person information by using multiple threads.

5. The method for batch identification of customer risk labels according to claim 3, characterized in that: The step of obtaining risk label data of each policyholder from a pre-established risk label database according to the policyholder information includes: Obtaining the ID card number of each insured person according to the insured person information; Use the ID card number of each policyholder to match the risk label database established in advance to obtain the risk label of each policyholder; Integrate the risk label of each policyholder to obtain the policyholder risk label data.

6. The method for batch identification of customer risk labels according to claim 1, characterized in that: The step of matching the insured product information with the risk label identification data to obtain a label identification product risk label identification includes: Obtaining the serial number information of the insured product according to the insured product information; The risk label identification data is traversed according to the numbering information to obtain a label identification that matches the numbering information, thereby obtaining the label identification product risk label identification.

7. The method for batch identification of customer risk labels according to claim 6, characterized in that: The step of performing batch risk label verification on the insured according to the label product risk label identification and the insured risk label data to obtain the risk label verification result includes: Traversing each policyholder's risk label in the policyholder risk label data, and determining whether there is a policyholder risk label in the policyholder risk label data that matches the label identification product risk label identification; If the insured risk label data contains an insured risk label that matches the label identification product risk label identification, it is determined that this risk label verification fails; If there is no policyholder risk label in the policyholder risk label data that matches the label identification product risk label identification, it is determined that this risk label verification has passed.

8. A device for batch identification of customer risk labels, characterized in that: The device comprises: A data acquisition module, used to acquire risk tag identification data from a pre-established tag identification database, acquire insurance request data, and acquire policyholder information according to the insurance request data; A risk label acquisition module, used to start a dynamic thread to batch acquire the risk label data of the policyholders according to the number of policyholders included in the policyholder information; A label identification matching module is used to obtain the insured product information according to the insurance request data, and use the insured product information to match the risk label identification data to obtain the label identification product risk label identification; The risk label verification module is used to perform batch risk label verification on the insured according to the label identification product risk label identification and the insured risk label data to obtain the risk label verification result.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and, a memory communicatively coupled to the at least one processor; Wherein, the memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the customer risk label batch identification method as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the method for batch identification of customer risk labels as described in any one of claims 1 to 7 is implemented.

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