Label-based risk control interception method, system, equipment and medium

Abstract

The invention relates to a risk control technology, and discloses a label-based risk control interception method, which comprises the following steps: after insuring request data of an insuring user is received, obtaining claim settlement record data of the insuring user, obtaining historical insuring data of the insuring user, performing label labeling on the insuring user according to the claim settlement record data, the method comprises the steps of obtaining a user tag, uploading the user tag to a pre-established risk control platform, performing non-null verification on the user tag by using the risk control platform and performing communication period judgment on an insured user to obtain a judgment result, if the judgment result is that the insured user is in the communication period, judging that the current insurance verification is passed, and if the judgment result is that the insured user is in the communication period, judging that the current insurance verification is passed. And otherwise, performing label rule verification on the insured user according to the historical insurance data to obtain a verification result, and judging whether the user passes the insurance verification according to the verification result. The invention further provides a tag-based risk control interception device, electronic equipment and a storage medium. The accuracy of risk interception based on labels can be improved.

Description

Technical Field

[0001] The present invention relates to the fields of risk control technology and financial technology, and in particular to a label-based risk control interception method, system, device and medium. Background Art

[0002] The common risk control method used by insurance companies is to set up blacklist risk control rules for customer entities (individuals, organizations, mobile phone numbers, vehicle information, addresses, etc.), related technical products, types of insurance, liability and other insurance products. In the early stage of insurance, the blacklist risk control rules will perform a pre-verification of the insured entity. If the customer is controlled by the blacklist risk control rules, the customer will not be able to successfully purchase insurance. Setting up blacklist risk control rules for risk control customers can effectively block malicious insurance purchases by abnormal customers to our company, reduce malicious claims and insurance fraud, and effectively protect the interests of insurance companies.

[0003] However, the existing risk control system still has certain limitations in interception efficiency and accuracy. On the one hand, the construction of the label system requires a lot of manpower and material resources, and the accuracy and timeliness of the labels are difficult to guarantee. On the other hand, most of the existing risk control interception methods rely on the matching of a single label or a simple combination of rules, lacking in-depth analysis and comprehensive utilization of the complex relationship between multiple labels, resulting in unsatisfactory interception results. For health insurance products, in the process of renewing the insurance of insured customers, it is often involved that the system does not intercept the renewal action after the serious illness occurs, and the subsequent policy applies for claims again, resulting in claims disputes, resulting in damage to the company's rights and interests. Summary of the invention

[0004] The present invention provides a tag-based risk control interception method, system, device and medium, the main purpose of which is to solve the problem of low accuracy of existing risk control interception methods.

[0005] To achieve the above-mentioned purpose, the present invention provides a risk control interception method based on tags, comprising: a risk control interception method, characterized in that the method comprises:

[0006] After receiving the insurance request data of the insured user, obtain the claim record data of the insured user, and obtain the historical insurance data of the insured user;

[0007] Labeling the insured user according to the claim record data to obtain a user label;

[0008] Uploading the user tag to a pre-established risk control platform;

[0009] Using the risk control platform to verify that the user tag is not empty and to determine the tolerance period of the insured user, to obtain a determination result;

[0010] If the judgment result is that the insured user is in the tolerance period, then it is determined that the insurance verification is passed;

[0011] If the judgment result is that the insured user is not in the tolerance period, performing a label rule verification on the insured user according to the historical insurance data to obtain a verification result;

[0012] Determine whether the user has passed the insurance verification based on the verification result.

[0013] In order to solve the above problems, the present invention further provides a risk control interception device based on tags, the device comprising:

[0014] The data acquisition module is used to obtain the claim settlement record data of the insured user and the historical insurance data of the insured user after receiving the insurance request data of the insured user;

[0015] A labeling module, used to label the insured user according to the claim record data, obtain a user label, and upload the user label to a pre-established risk control platform;

[0016] A data judgment module is used to use the risk control platform to verify that the user tag is not empty and to judge the tolerance period of the insured user, and obtain a judgment result. If the judgment result is that the insured user is in the tolerance period, it is determined that the insurance verification is passed;

[0017] The label verification module is used to use the risk control platform to verify that the user label is not empty and to judge the tolerance period of the insured user to obtain a judgment result. If the judgment result is that the insured user is not in the tolerance period, the label rule verification of the insured user is performed according to the historical insurance data to obtain a verification result, and whether the user has passed the current insurance verification is determined according to the verification result.

[0018] In order to solve the above problem, the present invention further provides an electronic device, the electronic device comprising:

[0019] at least one processor;

[0020] and, a memory communicatively coupled to the at least one processor;

[0021] 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 label-based risk control interception method.

[0022] 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 label-based risk control interception method.

[0023] The embodiment of the present invention obtains the claim record data of the insured user and the historical insurance data of the insured user after receiving the insurance request data of the insured user, and labels the insured user according to the claim record data to obtain the user label, which can improve the efficiency of subsequent non-empty verification and tolerance period judgment, upload the user label to the pre-established risk control platform, use the risk control platform to perform non-empty verification on the user label and perform tolerance period judgment on the insured user to obtain the judgment result, which can improve the efficiency of subsequent label rule verification. If the judgment result is that the insured user is in the tolerance period, it is determined that this insurance verification has passed. If the judgment result is that the insured user is not in the tolerance period, the label rule verification of the insured user is performed according to the historical insurance data to obtain the verification result, and the user is judged whether the user has passed the insurance verification according to the verification result. Therefore, the label-based risk control interception method, device, electronic device and computer-readable storage medium proposed by the present invention can solve the problem of low accuracy of the existing risk control interception method. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] Figure 1 It is a schematic diagram of an application environment of a risk control interception method based on tags in an embodiment of the present invention;

[0025] Figure 2 A schematic diagram of a flow chart of a risk control interception method based on tags provided in one embodiment of the present invention;

[0026] Figure 3 A functional module diagram of a tag-based risk control and interception device provided in one embodiment of the present invention;

[0027] Figure 4 A schematic diagram of the structure of an electronic device for implementing the tag-based risk control interception method provided in one embodiment of the present invention.

[0028] 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

[0029] 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.

[0030] The embodiment of the present application provides a risk control interception method based on tags. The execution subject of the risk control interception method based on tags includes but is not limited to at least one of the electronic devices such as the server, the terminal, etc. that can be configured to execute the method provided by the embodiment of the present application. In other words, the risk control interception method based on tags can be executed by software or hardware installed on the terminal device or the 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 (Content Delivery Network, CDN), and big data and artificial intelligence platforms.

[0031] The intelligent question-answering processing method based on artificial intelligence provided by the embodiment of the present invention can be applied in Figure 1 In the application environment, the client communicates with the server through the network. The server can obtain the claim record data of the insured user and the historical insurance data of the insured user through the client after receiving the insurance request data of the insured user, label the insured user according to the claim record data, obtain the user label, upload the user label to the pre-established risk control platform, use the risk control platform to verify the non-empty user label and judge the tolerance period of the insured user, and obtain the judgment result. If the judgment result is that the insured user is in the tolerance period, it is determined that the insurance verification is passed. If the judgment result is that the insured user is not in the tolerance period, the label rule verification of the insured user is performed according to the historical insurance data to obtain the verification result. According to the verification result, it is determined whether the user passes the insurance verification, which can effectively improve the efficiency and accuracy of risk interception for the insured user. Among them, the client can be but not limited to various personal computers, laptops, smart phones, tablet computers and portable wearable devices. The server can be implemented by an independent server or a server cluster composed of multiple servers. The present invention is described in detail below through specific embodiments.

[0032] Reference Figure 2 FIG. 1 is a flow chart of a tag-based risk control interception method provided in an embodiment of the present invention. In this embodiment, the tag-based risk control interception method includes:

[0033] S1. After receiving the insurance request data from the insured user, obtain the claim record data of the insured user, and obtain the historical insurance data of the insured user.

[0034] In the embodiment of the present invention, the claim settlement record data of the insured user is obtained by obtaining the claim settlement record data of the insured user on multiple insurance platforms based on the identity information of the insured user.

[0035] In detail, the acquisition of the insured user's claim record data is a key step, which involves collecting and integrating the user's historical claim information from multiple insurance platforms. These data usually include key information such as the user's claim history, claim frequency, claim amount, claim type, accident cause, processing time, customer feedback, etc. With this information, the insurance company can assess the user's risk status and conduct risk management and decision support accordingly. First, it is necessary to verify the insured user's identity information, such as ID number, name, etc., to ensure that the correct claim record is obtained. Since users may have insured and claimed from different insurance companies or platforms, it is necessary to collect data from multiple sources and integrate these data into a unified view. The collected data may need to be cleaned and processed to remove duplicate, erroneous or incomplete records to ensure the accuracy and availability of the data.

[0036] In the embodiment of the present invention, the step of obtaining the claim settlement record data of the insured user includes:

[0037] Obtaining personal identity information of the insured user;

[0038] Obtaining multi-platform claims data of the insured user according to the personal identity information;

[0039] The multi-platform claims data are aggregated to obtain the claims record data.

[0040] In detail, the personal identity information includes the insured user's ID type, ID number, and user name.

[0041] In the embodiment of the present invention, the multi-platform claims data of the insured user is obtained based on the personal identity information by establishing user data intercommunication with other insurance platforms and obtaining the data through data sharing.

[0042] In detail, insurance companies or third-party service providers need to establish a data interoperability mechanism with other insurance platforms to obtain users' claims records through data sharing. This interoperability is usually achieved through cooperation agreements, technical interface docking, data exchange standards, etc. For example, by establishing a unified data management platform and data mart, centralized management and shared application of data within the insurance industry can be achieved, thereby providing the insurance industry with key core data, unblocking data flow, and promoting the secure integration of multi-subject data. The construction of a data sharing platform can not only improve the risk management level of the insurance industry and promote the transformation and upgrading of the industry, but also provide more accurate and efficient services for insurance consumers. For example, China Insurance Information Technology has accumulated 8.5 billion insurance policies in the industry through various platforms and systems. On this basis, it has established a unified data management platform and built a flexible data mart, laying a solid foundation for data value output.

[0043] In the embodiment of the present invention, the acquiring of the historical insurance data of the insured user refers to acquiring the historical insurance data according to the insurance request data of the insured user.

[0044] In detail, the historical insurance data includes insurance product information, insurance type information, user renewal information, partner code and other information.

[0045] In detail, the insurance product information includes the characteristics of the insurance product, including the product name, coverage, insurance period, premium calculation method, liability exemption clauses, etc.

[0046] In detail, the insurance type information refers to the specific types of insurance products, such as life insurance, health insurance, property insurance, auto insurance, etc. Each insurance type has its specific coverage and claim conditions.

[0047] In detail, the user renewal information records whether the insurance customer chooses to continue to purchase the same or similar insurance product after the expiration of the insurance period, as well as the renewal history and related terms.

[0048] In detail, the partner code is used to identify a third-party organization that cooperates with the insurance company, such as an agent, brokerage firm or other distribution channel, and the code helps to track and manage the partnership.

[0049] In an embodiment of the present invention, by obtaining the claim record data of the insured user and the historical insurance data of the insured user after receiving the insurance request data of the insured user, the efficiency of subsequent acquisition of user tags and subsequent tag rule verification of the user is improved.

[0050] S2. Label the insured user according to the claim record data to obtain a user label.

[0051] In the embodiment of the present invention, labeling the insured user according to the claim record data to obtain a user label is to perform multi-dimensional labeling on the insured user according to the information contained in the claim record data.

[0052] Specifically, the in-depth analysis and processing of the insured user's claim record data is to achieve comprehensive identification and classification of user characteristics. This process involves labeling the insured user based on the detailed information in the claim record data, thereby obtaining user labels that reflect user characteristics. These labels are obtained through multi-dimensional analysis and labeling, and they can provide insurance companies with richer and more detailed user portraits.

[0053] In detail, the claim record data usually contains key information such as the user's claim history, claim frequency, claim amount, claim type, accident cause, processing time, customer feedback, etc. Through careful analysis of these data, key characteristics such as the user's risk preference, claim behavior pattern, and insurance usage habits can be revealed. For example, users who frequently claim may be labeled as "high-risk users", while users who occasionally claim for smaller amounts may be labeled as "low-risk users."

[0054] In the embodiment of the present invention, the step of labeling the insured user according to the claim record data to obtain a user label includes:

[0055] Acquire the user's claim type data and claim reason data according to the claim record data;

[0056] Acquire the user's claim frequency data and claim amount data according to the claim record data;

[0057] The user tag is obtained by matching the claim type data, the claim reason data, the claim frequency data, and the claim amount data with a preset tag.

[0058] In an embodiment of the present invention, the preset tags are a refined user classification tool, which is set according to the user's claim history and records to more accurately assess the user's risk status and insurance needs. These tags reflect the user's specific behaviors and events in the insurance history, thereby providing an effective means for insurance companies to manage and serve customers in a personalized manner. For example, the preset tags can cover the user's health status, such as "suffering from a serious illness" or "suffering from a minor illness", which can help insurance companies identify user groups that may need specific health insurance products or extra attention. In addition, these health-related tags can also be used to trigger specific service processes of insurance companies, such as providing health management advice, fast claims channels, or other customized insurance solutions. In addition to health status, the preset tags can also include information related to the user's claim behavior, such as "the number of accidental insurance claims in the last policy was 1" or "the number of accidental insurance claims in the last policy was 2". These tags can indicate the frequency of claims by users in a specific insurance type, thereby providing insurance companies with important clues about the user's risk level. For users who frequently claim, insurance companies may consider increasing premiums, adjusting insurance terms, or providing risk prevention advice. In addition, these preset tags can also be used for marketing and product recommendations. For example, for users with serious illness labels, insurance companies may recommend them to purchase serious illness insurance or regular physical examination services. For users who have more accident insurance claims, insurance companies may recommend them to purchase more comprehensive accident injury insurance or provide safety training courses. In this way, the preset labels not only enhance the insurance company's understanding of the user's risk status, but also help to provide more personalized and accurate insurance services. This label management based on user claims records enables insurance companies to more effectively carry out risk control, product development and customer relationship management, while also bringing users a more intimate and thoughtful insurance experience.

[0059] In the embodiment of the present invention, by labeling the insured user according to the claim record data to obtain a user label, the efficiency of subsequent label verification of the user is improved.

[0060] S3. Upload the user tag to a pre-established risk control platform.

[0061] In the embodiment of the present invention, the risk control platform is a platform for performing tag rule verification on user tags of insured users.

[0062] In detail, the risk control platform is a system specially designed for managing and controlling risks. It applies advanced technical means such as big data analysis, artificial intelligence, cloud computing, etc. to conduct detailed rule verification on the user tags of insured users. This process involves comprehensive analysis of multiple dimensions such as user behavior, credit history, transaction patterns, etc. to identify and prevent potential risks. In the insurance industry, risk control platforms are particularly important because the particularity of insurance products requires accurate assessment of the risks of policyholders. Through multi-dimensional labeling of user tags, the risk control platform is able to build a comprehensive user portrait, which helps insurance companies better understand customer groups, optimize product design, improve service efficiency, and reduce the risk of fraud and erroneous payments.

[0063] In the embodiment of the present invention, by uploading the user tag to a pre-established risk control platform, the efficiency of subsequent tag verification for the insured user is improved.

[0064] S4. Utilize the risk control platform to verify that the user tag is not empty and to determine the tolerance period of the insured user to obtain a determination result.

[0065] In the embodiment of the present invention, the grace period generally refers to a special treatment method of the insurance company when handling customer claims. This treatment method is not based on the explicit terms of the insurance contract, but is an informal compensation behavior that the insurance company may take that exceeds the scope of the contractual commitment out of consideration for the special circumstances of the customer or in order to maintain the company's reputation and harmonious customer relations.

[0066] In the embodiment of the present invention, the use of the risk control platform to perform non-empty verification on the user tag and to determine the tolerance period of the insured user to obtain a determination result includes:

[0067] Determine whether the user tag is a null value;

[0068] If the user tag is empty, the insurance verification is passed;

[0069] If the user table is not empty, obtaining the insurance request data of the insured user;

[0070] It is determined whether the user is within the tolerance period according to the insurance application request data to obtain a determination result.

[0071] In the embodiment of the present invention, the user tag is verified to be non-empty in order to determine whether the insured user has a tag. If the user tag is empty, it means that the user's past insurance behavior does not hit any user tag or that the user has no insurance behavior in the past. Therefore, the insured user will not hit any reporting tag in the subsequent tag verification, so the insured user's insurance request is approved.

[0072] In detail, the determining whether the user is within the concession period according to the insurance request data is performed by obtaining the concession period duration included in the insurance request data, and determining whether the insured user is within the concession period according to the concession period duration.

[0073] In the embodiment of the present invention, the step of determining whether the user is within the accommodation period according to the insurance application data to obtain a determination result includes:

[0074] Obtain the current date and the accommodation period date in the insurance application data;

[0075] Get the current date;

[0076] Comparing the accommodation deadline date with the current date to determine whether the accommodation deadline date exceeds the current date;

[0077] If the accommodation deadline date exceeds the current date, it is determined that the user is within the accommodation period;

[0078] If the accommodation deadline date does not exceed the current date, it is determined that the user is not within the accommodation period.

[0079] In the embodiment of the present invention, the risk control platform is used to perform non-empty verification on the user tag and to judge the tolerance period of the insured user, thereby obtaining a judgment result, thereby improving the efficiency of judging whether the insured user is in the tolerance period.

[0080] S5. Determine whether the insured user is in a concession period according to the determination result.

[0081] If the judgment result is that the insured user is in the concession period, S6 is executed to determine whether the insurance verification is passed.

[0082] In the embodiment of the present invention, when it is determined that the insured user is in the concession period, the insurance verification is determined to be passed, which means that when the user meets the conditions for enjoying the concession policy, even if some of the user's conditions may not fully meet the standard insurance requirements, the system will determine that the insurance verification is passed. This processing method helps to improve user experience, enhance customer satisfaction, and may promote the establishment of a longer-term and more stable relationship between insurance companies and customers. Insurance companies can handle insurance applications in a more humane manner while ensuring a balance between risk control and business operations.

[0083] If the judgment result is that the insured user is not in the accommodation period, S7 is executed to perform a label rule verification on the insured user according to the historical insurance data to obtain a verification result.

[0084] In the embodiment of the present invention, when it is determined that the insured user is not in the accommodation period, it is necessary to perform further tag rule verification on the insured user to determine whether the user tag of the insured user complies with the insurance rules.

[0085] In detail, the management of insured users involves a meticulous review process, especially when determining whether the user meets the insurance rules. When the system or the claims team determines that the user is not currently in the concession period, that is, they do not meet the conditions for automatic claim discounts or special considerations, by analyzing the insured user's claim record data, the next step is to conduct more stringent label rule verification on these users. The purpose of this verification process is to ensure that the user tags of insured users accurately reflect their risk status and determine whether these tags meet the insurance rules set by the insurance company.

[0086] In the embodiment of the present invention, the tag rule verification is performed on the insured user according to the historical insurance data to obtain the verification result, including:

[0087] Determine whether there is a label rule matching the insured product in the risk control platform according to the historical insurance data;

[0088] If there is no label rule matching the insured product in the risk control platform, the insurance verification is passed;

[0089] If there is a label rule matching the insured product in the risk control platform, the label rule verification is performed on the insured user according to the label rule to obtain a verification result.

[0090] In detail, judging whether there is a label rule matching the insured product in the risk control platform according to the historical insurance data refers to judging whether the insured product is set with a label rule according to the product code of the insured product.

[0091] In detail, the risk control platform will query and determine whether the insured product has been set with corresponding label rules based on the product code of the insured product. These label rules are a series of pre-defined standards for evaluating and classifying users' risk levels, insurance needs, historical claims behaviors, etc. By matching with these preset label rules, the risk control platform can determine whether the user's user label meets the specific requirements of the current insured product. If the user's label matches the label rule of the insured product, the user's insurance verification will be judged as passed and the insurance process can continue. If it does not match, the risk control platform may require the user to provide additional information or adjust the insurance terms to suit the user's actual risk situation. This verification process based on label rules not only improves the accuracy of risk control, but also enhances the personalization and adaptability of insurance services. In this way, the risk control platform can ensure that only users who meet the established risk assessment and insurance rules can obtain insurance services, thereby effectively managing risks and maintaining the fairness and sustainability of the insurance market. At the same time, this also helps to improve the service quality and customer satisfaction of insurance companies, because users will feel the professionalism and fairness of insurance companies in handling insurance applications.

[0092] In the embodiment of the present invention, the tag rule verification is performed on the insured user according to the tag rule to obtain the verification result, including:

[0093] Determining whether the user tag complies with the tag rule;

[0094] If the user tag does not conform to the tag rule, it is determined that the tag verification has passed;

[0095] If the user tag meets the tag rule, it is determined that the tag verification has failed.

[0096] In the embodiment of the present invention, the label rule is composed of multiple insurance prohibition labels. When the insured user hits any insurance prohibition label, it is determined that the label verification fails.

[0097] In detail, the labeling rules are a key mechanism used in the risk control and insurance approval process. The system consists of multiple ban labels, which are pre-set to identify specific conditions or behaviors that may increase the risk of insurance companies. Ban labels may be based on a variety of factors such as the user's credit history, claim frequency, insurance fraud record, legal violations, health risk factors, etc.

[0098] In the insurance approval process, when the insured user's personal information and application information are entered into the risk control platform, the system will automatically match the information with labels. Each prohibited insurance label represents one or more risk indicators. If the insured user's information matches any prohibited insurance label, it is considered to have hit the label. For example, if a user has a frequent claim record, he or she may be labeled as "high-risk claim behavior"; or if the user has unresolved legal proceedings, he or she may be labeled as "legal risk". Once the insured user hits any prohibited insurance label, the risk control platform will automatically determine that the user's label verification has failed. This means that the user may not be able to continue the insurance process, or may need to provide additional proof and information to reassess his or her risk status. This automatic label verification mechanism not only improves the efficiency of the approval process, but also enhances the accuracy and consistency of risk management. In addition, this label-based risk control method also helps insurance companies better understand and quantify risks, thereby formulating more reasonable insurance premiums and product strategies. At the same time, it also provides insurance companies with an effective fraud detection and prevention tool, which helps reduce insurance fraud and abuse and protects the rights and interests of insurance companies and honest insured users.

[0099] In detail, the insurance prohibition label can be suffering from a serious illness, the number of accident insurance claims in the previous policy year is 3, the number of health insurance claims in the previous policy year is 3, etc.

[0100] In an embodiment of the present invention, when the judgment result shows that the insured user is not in the tolerance period, the label rule verification is performed on the insured user according to the historical insurance data to obtain the verification result, thereby improving the efficiency of subsequent judgment on whether the insured user has passed the insurance verification.

[0101] S8. Determine whether the user has passed the insurance verification based on the verification result.

[0102] In the embodiment of the present invention, judging whether the user has passed the current insurance verification according to the verification result means that when the user passes the current label verification, the current insurance verification is passed, and when the user fails the current label verification, the current insurance verification is failed.

[0103] The embodiment of the present invention improves the efficiency and accuracy of risk interception by judging whether the user has passed the current insurance verification according to the verification result.

[0104] like Figure 3 , which is a functional module diagram of a tag-based risk control and interception device provided in one embodiment of the present invention.

[0105] The tag-based risk control interception device 100 of the present invention can be installed in an electronic device. According to the functions to be implemented, the tag-based risk control interception device 100 can include a data acquisition module 101, a tag marking module 102, a data judgment module 103 and a tag verification module 104. The module of the present invention can also be called 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.

[0106] In this embodiment, the functions of each module / unit are as follows:

[0107] The data acquisition module 101 is used to acquire the claim settlement record data of the insured user and the historical insurance data of the insured user after receiving the insurance request data of the insured user;

[0108] The labeling module 102 is used to label the insured user according to the claim record data, obtain a user label, and upload the user label to a pre-established risk control platform;

[0109] The data judgment module 103 is used to use the risk control platform to verify that the user tag is not empty and to judge the tolerance period of the insured user, and obtain a judgment result. If the judgment result is that the insured user is in the tolerance period, it is determined that the insurance verification is passed;

[0110] The label verification module 104 is used to use the risk control platform to verify that the user label is not empty and to determine the tolerance period of the insured user to obtain a judgment result. If the judgment result is that the insured user is not in the tolerance period, the label rule verification of the insured user is performed according to the historical insurance data to obtain a verification result, and whether the user has passed the current insurance verification is determined according to the verification result.

[0111] The data acquisition module 101 is specifically used for:

[0112] Obtaining personal identity information of the insured user;

[0113] Obtaining multi-platform claims data of the insured user according to the personal identity information;

[0114] The multi-platform claims data are aggregated to obtain the claims record data.

[0115] The label marking module 102 is specifically used for:

[0116] Acquire the user's claim type data and claim reason data according to the claim record data;

[0117] Acquire the user's claim frequency data and claim amount data according to the claim record data;

[0118] The user tag is obtained by matching the claim type data, the claim reason data, the claim frequency data, and the claim amount data with a preset tag.

[0119] The data judgment module 103 is specifically used for:

[0120] Determine whether the user tag is a null value;

[0121] If the user tag is empty, the insurance verification is passed;

[0122] If the user table is not empty, obtaining the insurance request data of the insured user;

[0123] It is determined whether the user is within the tolerance period according to the insurance application request data to obtain a determination result.

[0124] The data judgment module 103 is specifically used for:

[0125] Obtain the current date and the accommodation period date in the insurance application data;

[0126] Comparing the accommodation deadline date with the current date to determine whether the accommodation deadline date exceeds the current date;

[0127] If the accommodation deadline date exceeds the current date, it is determined that the user is within the accommodation period;

[0128] If the accommodation deadline date does not exceed the current date, it is determined that the user is not within the accommodation period.

[0129] The label verification module 104 is specifically used for:

[0130] Determine whether there is a label rule matching the insured product in the risk control platform according to the historical insurance data;

[0131] If there is no label rule matching the insured product in the risk control platform, the insurance verification is passed;

[0132] If there is a label rule matching the insured product in the risk control platform, the label rule verification is performed on the insured user according to the label rule to obtain a verification result.

[0133] The label verification module 104 is specifically used for:

[0134] Determining whether the user tag complies with the tag rule;

[0135] If the user tag does not conform to the tag rule, it is determined that the tag verification has passed;

[0136] If the user tag meets the tag rule, it is determined that the tag verification has failed.

[0137] like Figure 4 , which is a schematic diagram of the structure of an electronic device of a tag-based risk control interception method provided in an embodiment of the present invention.

[0138] 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 tag-based risk control interception program.

[0139] In some embodiments, the processor 10 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or a plurality of packaged 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 programs or modules (such as tag-based risk control interception programs, 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.

[0140] The memory 11 includes at least one type of readable storage medium, and the readable storage medium includes a flash memory, a mobile hard disk, a multimedia card, a card-type memory (for example, SD or DX memory, etc.), a magnetic memory, a disk, an optical disk, etc. In some embodiments, the memory 11 may 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 may 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 may 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 a risk control interception program based on a tag, but also can be used to temporarily store data that has been output or is to be output.

[0141] 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.

[0142] 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.

[0143] 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.

[0144] 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.

[0145] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0146] The tag-based risk control interception 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:

[0147] After receiving the insurance request data of the insured user, obtain the claim record data of the insured user, and obtain the historical insurance data of the insured user;

[0148] Labeling the insured user according to the claim record data to obtain a user label;

[0149] Uploading the user tag to a pre-established risk control platform;

[0150] Using the risk control platform to verify that the user tag is not empty and to determine the tolerance period of the insured user, to obtain a determination result;

[0151] If the judgment result is that the insured user is in the tolerance period, then it is determined that the insurance verification is passed;

[0152] If the judgment result is that the insured user is not in the tolerance period, performing a label rule verification on the insured user according to the historical insurance data to obtain a verification result;

[0153] Determine whether the user has passed the insurance verification based on the verification result.

[0154] 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.

[0155] 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).

[0156] 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:

[0157] After receiving the insurance request data of the insured user, obtain the claim record data of the insured user, and obtain the historical insurance data of the insured user;

[0158] Labeling the insured user according to the claim record data to obtain a user label;

[0159] Uploading the user tag to a pre-established risk control platform;

[0160] Using the risk control platform to verify that the user tag is not empty and to determine the tolerance period of the insured user, to obtain a determination result;

[0161] If the judgment result is that the insured user is in the tolerance period, then it is determined that the insurance verification is passed;

[0162] If the judgment result is that the insured user is not in the tolerance period, performing a label rule verification on the insured user according to the historical insurance data to obtain a verification result;

[0163] Determine whether the user has passed the insurance verification based on the verification result.

[0164] 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.

[0165] 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.

[0166] 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.

[0167] 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.

[0168] 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.

[0169] 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.

[0170] 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 the system 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.

[0171] 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.

[0172] 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.

Claims

1. A risk control interception method based on labels, characterized in that: The method comprises: After receiving the insurance request data of the insured user, obtain the claim record data of the insured user, and obtain the historical insurance data of the insured user; Labeling the insured user according to the claim record data to obtain a user label; Uploading the user tag to a pre-established risk control platform; Using the risk control platform to verify that the user tag is not empty and to determine the tolerance period of the insured user, to obtain a determination result; If the judgment result is that the insured user is in the tolerance period, then it is determined that the insurance verification is passed; If the judgment result is that the insured user is not in the tolerance period, performing a label rule verification on the insured user according to the historical insurance data to obtain a verification result; Determine whether the user has passed the insurance verification based on the verification result.

2. The tag-based risk control interception method according to claim 1, characterized in that: The obtaining of the insured user's claim record data includes: Obtaining personal identity information of the insured user; Obtaining multi-platform claims data of the insured user according to the personal identity information; The multi-platform claims data are aggregated to obtain the claims record data.

3. The tag-based risk control interception method according to claim 1, characterized in that: The step of labeling the insured user according to the claim record data to obtain a user label includes: Acquire the user's claim type data and claim reason data according to the claim record data; Acquire the user's claim frequency data and claim amount data according to the claim record data; The user tag is obtained by matching the claim type data, the claim reason data, the claim frequency data, and the claim amount data with a preset tag.

4. The tag-based risk control interception method according to claim 1, characterized in that: The using of the risk control platform to verify that the user tag is not empty and to determine the tolerance period of the insured user, and obtaining the determination result includes: Determine whether the user tag is a null value; If the user tag is empty, the insurance verification is passed; If the user table is not empty, obtaining the insurance request data of the insured user; It is determined whether the user is within the tolerance period according to the insurance application request data to obtain a determination result.

5. The tag-based risk control interception method according to claim 4, characterized in that: The step of determining whether the user is within the accommodation period according to the insurance application data and obtaining a determination result includes: Obtain the current date and the accommodation period date in the insurance application data; Comparing the accommodation deadline date with the current date to determine whether the accommodation deadline date exceeds the current date; If the accommodation deadline date exceeds the current date, it is determined that the user is within the accommodation period; If the accommodation deadline date does not exceed the current date, it is determined that the user is not within the accommodation period.

6. The tag-based risk control interception method according to claim 1, characterized in that: The step of performing label rule verification on the insured user according to the historical insurance data to obtain a verification result includes: Determine whether there is a label rule matching the insured product in the risk control platform according to the historical insurance data; If there is no label rule matching the insured product in the risk control platform, the insurance verification is passed; If there is a label rule matching the insured product in the risk control platform, the label rule verification is performed on the insured user according to the label rule to obtain a verification result.

7. The tag-based risk control interception method according to claim 6, characterized in that: The step of performing label rule verification on the insured user according to the label rule to obtain a verification result includes: Determining whether the user tag complies with the tag rule; If the user tag does not conform to the tag rule, it is determined that the tag verification has passed; If the user tag meets the tag rule, it is determined that the tag verification has failed.

8. A risk control interception device based on tags, characterized in that: The device comprises: The data acquisition module is used to obtain the claim settlement record data of the insured user and the historical insurance data of the insured user after receiving the insurance request data of the insured user; A labeling module, used to label the insured user according to the claim record data, obtain a user label, and upload the user label to a pre-established risk control platform; A data judgment module is used to use the risk control platform to verify that the user tag is not empty and to judge the tolerance period of the insured user, and obtain a judgment result. If the judgment result is that the insured user is in the tolerance period, it is determined that the insurance verification is passed; The label verification module is used to use the risk control platform to verify that the user label is not empty and to judge the tolerance period of the insured user to obtain a judgment result. If the judgment result is that the insured user is not in the tolerance period, the label rule verification of the insured user is performed according to the historical insurance data to obtain a verification result, and whether the user has passed the current insurance verification is determined according to the 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 label-based risk control interception 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 label-based risk control interception method as described in any one of claims 1 to 7 is implemented.

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