Geometric cutting-based to-be-early-warned insurance policy query method, apparatus and device, and medium
By geometrically cutting the disaster risk area into convex polygonal areas, the problems of large computational complexity and low accuracy faced by insurance companies when querying policies awaiting early warning were solved, thus achieving efficient and accurate policy query.
Patent Information
- Application Number
- CN202510662106.6
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-05-21
- Publication Date
- 2025-09-09
AI Technical Summary
When existing insurance companies query policies awaiting early warning whose insured locations are located in disaster risk areas, the amount of calculation is large, resulting in low query efficiency and insufficient accuracy. Simplifying the boundaries of the risk area will reduce accuracy and increase misjudgments and missed judgments.
The geometric cutting method is used to cut the complex disaster risk area into convex polygon areas. By obtaining the disaster risk type and the insured location, screening is performed to obtain the insurance policies to be warned. The simple shape of the convex polygon is used for spatial judgment to reduce the calculation complexity and ensure accuracy.
It improves the efficiency of policy query, reduces the amount of spatial judgment calculation, and at the same time ensures the edge accuracy of the risk area, ensuring the accuracy of policy query.
Smart Images
Figure CN120611073A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of risk management technology, and in particular to a method, device, equipment and medium for querying insurance policies to be warned based on geometric cutting. Background Art
[0002] With the continuous advancement of science and technology, meteorological disaster prediction technology is gradually becoming more refined. Refined meteorological disaster predictions are often generated through calculations based on satellite cloud images and meteorological grid data. However, the risk areas generated by these predictions often have complex polygonal shapes, with jagged edges. This complicates address comparison and increases the computational complexity of spatial analysis. Furthermore, the financial and insurance industry has accumulated an enormous amount of insurance policy data. When insurance companies need to query policies with locations located within disaster risk areas, they must spatially filter the risk areas and policy data. This requires a significant computational effort and significantly reduces policy query efficiency. Existing solutions include simplifying risk area boundaries, reducing polygonal boundary complexity, and reducing computational complexity. However, this also reduces the accuracy of the risk area edges, leading to missed and false positives and reduced policy query accuracy. Therefore, improving policy query efficiency while ensuring accuracy is a pressing issue. Summary of the Invention
[0003] The present application provides a method, device, equipment and medium for querying insurance policies to be warned based on geometric cutting, so as to improve the efficiency of insurance policy query while ensuring the accuracy of insurance policy query.
[0004] In a first aspect, the present application provides a method for querying insurance policies to be warned based on geometric cutting, the method comprising:
[0005] Obtain disaster risk areas and disaster risk types, and extract insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened;
[0006] Based on preset cutting parameters, geometrically cutting the disaster risk area to obtain at least one convex polygonal area;
[0007] Performing address identification on the insurance policies in the list of insurance policies to be screened to obtain the insurance locations;
[0008] Based on the insurance location and at least one of the convex polygonal areas, screening is performed in the list of insurance policies to be screened to obtain insurance policies to be warned that have claims risks.
[0009] In a second aspect, the present application further provides a device for querying insurance policies to be warned based on geometric cutting, the device comprising:
[0010] A list generation module is used to obtain disaster risk areas and disaster risk types, and extract insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened;
[0011] A region cutting module, configured to perform geometric cutting on the disaster risk region based on preset cutting parameters to obtain at least one convex polygonal region;
[0012] A location identification module is used to identify the addresses of the insurance policies in the list of insurance policies to be screened and obtain the insurance locations;
[0013] The insurance policy screening module is used to screen the list of insurance policies to be screened based on the insurance location and at least one of the convex polygon areas to obtain insurance policies to be warned that have claims risks.
[0014] In a third aspect, the present application also provides a computer device, comprising a memory and a processor; the memory is used to store a computer program; the processor is used to execute the computer program and implement the above-mentioned method for querying insurance policies to be warned based on geometric cutting when executing the computer program.
[0015] In a fourth aspect, the present application also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the processor implements the above-mentioned method for querying insurance policies to be warned based on geometric cutting.
[0016] The present application discloses a method, device, equipment and medium for querying insurance policies to be warned based on geometric cutting, which obtains a disaster risk area and a disaster risk type, and extracts insurance policies corresponding to the disaster risk type from a preset insurance policy database to generate a list of insurance policies to be screened; based on preset cutting parameters, the disaster risk area is geometrically cut to obtain at least one convex polygon area; the addresses of the insurance policies in the list of insurance policies to be screened are identified to obtain the insurance location; based on the insurance location and at least one convex polygon area, the list of insurance policies to be screened is screened to obtain insurance policies to be warned that have claims risks. The present application can perform preliminary screening based on the disaster risk type to obtain a list of insurance policies to be screened, thereby reducing the number of insurance policies, and geometrically cuts the disaster risk area based on preset cutting parameters to obtain at least one convex polygon area, converting the complex polygons corresponding to the disaster risk area into simple convex polygon areas, thereby reducing the complexity of the polygons and reducing the amount of spatial judgment calculation, thereby improving the efficiency of insurance policy query; and the geometry of the convex polygon after cutting can completely overlap with the original risk area, thereby avoiding reducing the edge precision of the risk area and ensuring the accuracy of insurance policy query. BRIEF DESCRIPTION OF THE DRAWINGS
[0017] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the description of the embodiments. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.
[0018] Figure 1 This is a schematic flow chart of a method for querying insurance policies to be warned based on geometric cutting, provided in the first embodiment of the present application;
[0019] Figure 2 This is a schematic flow chart of a method for querying insurance policies to be warned based on geometric cutting, provided in the second embodiment of the present application;
[0020] Figure 3 This is a schematic flow chart of a method for querying insurance policies to be warned based on geometric cutting, provided in the third embodiment of the present application;
[0021] Figure 4 A schematic block diagram of a device for querying insurance policies to be warned based on geometric cutting provided in an embodiment of the present application;
[0022] Figure 5 A schematic block diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0023] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.
[0024] The flowcharts shown in the accompanying drawings are for illustrative purposes only and do not necessarily include all contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may be decomposed, combined, or partially merged, so the actual execution order may vary depending on the actual situation.
[0025] It should be understood that the terms used in this specification are only for the purpose of describing specific embodiments and are not intended to limit the present application. As used in this specification and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms unless the context clearly indicates otherwise.
[0026] It should be further understood that the term “and / or” used in this specification and the appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes these combinations.
[0027] The embodiments of the present application provide a method, device, equipment and medium for querying insurance policies to be warned based on geometric cutting. Among them, the method for querying insurance policies to be warned based on geometric cutting can be applied to a server, and preliminary screening is performed according to the disaster risk type to obtain a list of insurance policies to be screened, thereby reducing the number of insurance policies, and geometric cutting is performed on the disaster risk area according to preset cutting parameters to obtain at least one convex polygon area, and the complex polygons corresponding to the disaster risk area are converted into simple convex polygon areas, thereby reducing the complexity of the polygons and the amount of spatial judgment calculation, thereby improving the efficiency of insurance policy query; and the convex polygon geometry after cutting can completely overlap with the original risk area, thereby avoiding reducing the edge accuracy of the risk area and ensuring the accuracy of insurance policy query. Among them, the server can be an independent server or a server cluster.
[0028] The following describes some embodiments of the present application in detail with reference to the accompanying drawings. In the absence of conflict, the following embodiments and features therein may be combined with each other.
[0029] See also Figure 1 , Figure 1 This is a schematic flow chart of a method for querying insurance policies to be warned based on geometric cutting provided in an embodiment of the present application.
[0030] like Figure 1 As shown, the method for querying insurance policies to be warned based on geometric cutting specifically includes steps S101 to S104.
[0031] S101: Obtain disaster risk areas and disaster risk types, and extract insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened;
[0032] In this embodiment, a disaster risk area is a geographical area where disaster risks exist (e.g., natural disasters such as heavy rain, floods, and droughts, as well as man-made disasters such as fires, explosions, and pollution). Disaster risk types include heavy rain risk, flood risk, drought risk, fire risk, pollution risk, and explosion risk.
[0033] Disaster risk areas can be extracted from real-time disaster warning information released by authoritative disaster warning departments. Disaster warning information includes rainstorm range, flood inundation area, urban waterlogging range, etc., and is usually displayed in formats such as geographic coordinates and regional images; it can also be obtained based on disaster simulation models (such as hydrological models, flood simulation models, fire area prediction models, etc.).
[0034] In this embodiment, the insurance policy refers to the insurance policy, which is the formal written evidence of the insurance contract between the insured and the insurer. The insurance policy database is a database where the insurance company stores the effective insurance policies.
[0035] In one embodiment, each insurance policy has a corresponding description of the risk type. According to the disaster risk type, the corresponding insurance policies are extracted and stored in a list to generate a list of insurance policies to be screened, which includes but is not limited to policy number information.
[0036] For example, different disaster risk types correspond to different insurance policies. For example, in agricultural insurance, when crop yields are reduced or total crop failure due to disasters such as floods and droughts, claims must be made to the insured. The insurance policy will contain relevant descriptive information such as "Claims can be made for reduced or total crop failure due to drought" and "Claims can be made for reduced or total crop failure due to floods". When the disaster risk type is flood, the insurance policy that states "Claims can be made for reduced or total crop failure due to floods" will be extracted; for property insurance, when the insured object (houses, vehicles, equipment and other assets) is located within the disaster coverage area and causes property losses, claims must be made to the insured.
[0037] S102, performing geometric cutting on the disaster risk area based on preset cutting parameters to obtain at least one convex polygonal area;
[0038] In one embodiment, polygon slicing can decompose an original complex polygon into multiple simple convex polygons, making the judgment process for each convex polygon more efficient. Point queries only need to be performed on the sliced convex polygons, avoiding the complex intersection judgment of complex polygons, reducing computational effort, and improving query speed. When slicing polygons, ensure that the sliced convex polygons maintain the boundaries and internal area of the original polygon. The slicing process ensures the integrity and correctness of the convex polygons, thereby ensuring the accuracy of the judgment results.
[0039] There are many ways to cut polygons. This example uses convex polygons as an example. Convex polygons have simple shapes, making it easier to determine spatial relationships. A convex hull algorithm or other convex polygon generation algorithm can be used to cut a complex polygon into multiple convex polygons, and then point queries can be performed on each convex polygon.
[0040] In one embodiment, the specific method and implementation details of polygon cutting can be set by the user according to the application scenario and requirements. In actual application, an appropriate polygon cutting strategy can be selected according to the characteristics of the dataset and query performance requirements to improve the query speed of points within the polygon.
[0041] In one embodiment, a preset geometric cutting tool can be used to geometrically cut the disaster risk area according to preset cutting parameters. Alternatively, a geometric cutting algorithm (such as a convex hull algorithm) can be used to cut a complex disaster risk area into multiple simple convex polygonal areas.
[0042] Furthermore, before step S102, it also includes: obtaining the query efficiency and query accuracy of historical cutting parameters and historical warning policies; based on the query efficiency and the query accuracy, calculating the parameter score corresponding to each of the historical cutting parameters, and using the historical cutting parameter corresponding to the highest parameter score as the preset cutting parameter.
[0043] In this embodiment, the query efficiency and accuracy of historical cutting parameters and historical warning policies are historical records of disaster risk policy queries over a past period of time, typically stored in a user-defined historical database. Each historical cutting parameter corresponds to a set of query efficiency and accuracy. The past period of time can be freely set according to actual needs.
[0044] The historical cutting parameters include the number of convex polygon regions and the number of edges of the convex polygon regions during historical segmentation.
[0045] In one embodiment, the parameter score corresponding to each historical cutting parameter is calculated based on the query efficiency and the query accuracy. Specifically, the parameter score can be calculated based on the weight, and a weight coefficient corresponding to the query efficiency and the query accuracy is respectively obtained. The weighted score is performed according to the weight coefficients of the query efficiency and the query accuracy to obtain the parameter score. Among them, the weight coefficients of the query efficiency and the query accuracy can be freely set by the user according to the current query task requirements. For example, if the current query task time is urgent and the accuracy requirement is low, then the weight coefficient value of the query efficiency is increased. If the current query task time is loose and the accuracy requirement is high, then the weight coefficient value of the query accuracy is increased.
[0046] In the above embodiment, based on the historical query efficiency and query accuracy, the optimal cutting parameters are determined as the current preset cutting parameters, thereby improving the efficiency and accuracy of the early warning policy query.
[0047] S103, performing address recognition on the insurance policies in the list of insurance policies to be screened to obtain the insurance locations;
[0048] In this embodiment, the preset cutting parameters include the optimal number of convex polygonal regions obtained by geometric cutting and the number of edges of the convex polygonal regions. The optimal number of edges does not exceed 256.
[0049] In one embodiment, address identification is performed on each policy in the list of policies to be screened to obtain the insurance location corresponding to each policy.
[0050] In this embodiment, the insured location is the address of the subject matter of insurance as agreed upon in the insurance contract. For example, the address of a house in a property insurance policy is the insured location for that property insurance policy. In this embodiment, the insured location is represented by longitude and latitude data. For example, (48°N, 2°E) represents a location at 48°N and 2°E, where N represents latitude and E represents longitude.
[0051] In another embodiment, the geometric cutting of the disaster risk area and the address identification in the list of insurance policies to be screened can be performed successively; or they can be processed in parallel, that is, the geometric cutting and address identification are performed at the same time to improve efficiency.
[0052] Furthermore, the step S103 includes: performing address recognition on the insurance policies in the list of insurance policies to be screened to obtain a recognition result; when the recognition result is an address text, converting the address text into latitude and longitude data as the insurance location.
[0053] In a specific embodiment, the address information of each policy in the list of policies to be screened is identified one by one or in parallel to obtain an identification result. The identification result can be an address text or latitude and longitude data. When the identification result is an address text, it is converted into latitude and longitude data, and the obtained latitude and longitude data is used as the insured location of the policy. When the identification result is latitude and longitude data, the latitude and longitude data is directly used as the insured location.
[0054] Specifically, an address encoding interface may be used to send the address text as a parameter to an internal or external tool for converting latitude and longitude data, and receive the latitude and longitude data returned by the conversion tool.
[0055] In the above embodiment, the latitude and longitude data are used to represent the insurance location, which can be accurately positioned, thereby improving the accuracy of inquiries about insurance policies to be warned.
[0056] S104: Based on the insurance location and at least one of the convex polygonal areas, screen the list of policies to be screened to obtain policies to be warned that have claims risks.
[0057] In one embodiment, the insured location is compared with each convex polygonal area to determine whether the insured location is within any of the convex polygonal areas. If the insured location is within a convex polygonal area, it indicates that the insured location is located in a disaster risk area. At this time, the insurance policy corresponding to the insured location is selected from the list of insurance policies to be screened as the insurance policy to be warned.
[0058] The above embodiment provides a method, device, equipment and medium for querying insurance policies to be warned based on geometric cutting, which obtains disaster risk areas and disaster risk types, and extracts insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened; based on preset cutting parameters, the disaster risk area is geometrically cut to obtain at least one convex polygon area; the addresses of the insurance policies in the list of insurance policies to be screened are identified to obtain the insurance locations; based on the insurance locations and at least one convex polygon area, the list of insurance policies to be screened is screened to obtain insurance policies to be warned that have claims risks. The present application can perform preliminary screening based on disaster risk types to obtain a list of insurance policies to be screened, thereby reducing the number of insurance policies, and geometrically cuts the disaster risk area based on preset cutting parameters to obtain at least one convex polygon area, converting the complex polygons corresponding to the disaster risk area into simple convex polygon areas, thereby reducing the complexity of the polygons and reducing the amount of spatial judgment calculation, thereby improving the efficiency of insurance policy queries; and the geometry of the convex polygons after cutting can completely overlap with the original risk area, thereby avoiding reducing the edge accuracy of the risk area and ensuring the accuracy of insurance policy queries.
[0059] See also Figure 2 , Figure 2 This is a schematic flow chart of a method for querying insurance policies to be warned based on geometric cutting, provided in an embodiment of the present application. This method for querying insurance policies to be warned based on geometric cutting can be applied to a server to convert the positional relationship judgment between the insurance location and a risk area with high boundary complexity into the positional relationship judgment between the insurance location and at least one convex polygon area with simple boundaries. This method can achieve parallel processing, that is, one or more insurance locations simultaneously perform positional relationship judgments with each convex polygon area, quickly judging whether the insurance location is within the convex polygon area and within which convex polygon area it is located. It can also reduce the complexity of spatial judgment, reduce the amount of calculation, improve the efficiency of positional relationship judgment, and thus improve the efficiency of insurance policy query.
[0060] like Figure 2 As shown, the method for querying insurance policies to be warned based on geometric cutting specifically includes steps S201 to S202.
[0061] S201, comparing the insurance location with each of the convex polygonal areas to determine a positional relationship between the insurance location and each of the convex polygonal areas;
[0062] In this embodiment, the positional relationship includes the underwriting location being within the convex polygonal area and the underwriting location being outside the convex polygonal area.
[0063] In one embodiment, the insurance location is compared with each convex polygon area. A spatial index can be constructed using a database to quickly determine the positional relationship between the insurance location and each convex polygon area. Alternatively, a bounding rectangle can be constructed for each convex polygon area. The insurance locations within each bounding rectangle area can be queried first to generate an address set corresponding to each bounding rectangle. Then, the positional relationship between the insurance location in each address set and the convex polygon area in its corresponding bounding rectangle can be determined in parallel.
[0064] Furthermore, the step S201 includes: constructing a circumscribed rectangle corresponding to each of the convex polygonal areas; comparing the insurance location with each of the circumscribed rectangles, determining at least one insurance location contained in each of the circumscribed rectangles, and generating an address set corresponding to each of the circumscribed rectangles; performing parallel judgment on the insurance locations in each of the address sets and the convex polygonal areas corresponding to each of the circumscribed rectangles, and determining the positional relationship between the insurance location and the convex polygonal area.
[0065] In this embodiment, the circumscribed rectangle is a simple and commonly used rectangular area for approximately representing a geometric shape. In two-dimensional space, the circumscribed rectangle is a rectangle defined by the minimum and maximum coordinates of all vertices of the geometric shape on the abscissa and ordinate axes.
[0066] In one embodiment, a bounding rectangle is constructed for each convex polygonal region. Specifically, the coordinates of each vertex of the convex polygonal region are obtained, typically expressed in longitude and latitude. The minimum longitude, minimum latitude, maximum longitude, and maximum latitude values of all vertices are found. These four values define the lower left and upper right corners of the bounding rectangle. Using these four boundary values, a rectangle is constructed; this rectangle serves as the bounding rectangle of the convex polygonal region.
[0067] For each insurance location, determine whether it is within the circumscribed rectangle. Specifically, this can be done by determining whether the longitude value of the insurance location is between the minimum longitude value and the maximum longitude value of the rectangle and whether the latitude value is between the minimum latitude value and the maximum latitude value of the rectangle.
[0068] Each bounding rectangle corresponds to an empty address set. When an insurance location within the bounding rectangle is found, it is stored in the address set until all insurance locations are determined and the final address set corresponding to each bounding rectangle is obtained.
[0069] In one embodiment, each address set and its corresponding convex polygonal region are assigned to different processors or threads for parallel processing. Simultaneously, the processors or threads are controlled to use a precise point-polygon relationship determination algorithm (such as the ray method or the angle sum method) to determine whether the insurance location is truly within the convex polygonal region and obtain a determination result. The determination results of each processor or thread are aggregated to obtain the positional relationship between all insurance locations and the convex polygonal region.
[0070] In the above embodiment, by constructing a circumscribed rectangle, the question of which convex polygonal area the insurance location is located in is converted into the question of which circumscribed rectangle the insurance location is located in, which greatly reduces the complexity of judgment; and, by using the circumscribed rectangle for preliminary screening, the amount of insurance policy data is reduced, and the amount of data for further accurate judgment of whether the insurance location is located in the convex polygonal area is reduced, thereby improving the efficiency of judging the positional relationship and thereby improving the efficiency of insurance policy query.
[0071] Furthermore, the step S201 also includes: storing each of the convex polygonal areas in a preset spatial database, and establishing a spatial index based on the preset spatial database; and determining the positional relationship between the insurance location and each of the convex polygonal areas based on the spatial index.
[0072] In this embodiment, the preset spatial database is a database that supports spatial data types and can effectively store and manage geographic spatial data.
[0073] In one embodiment, the data of the convex polygonal area obtained by cutting is inserted into a table created in the database. The data is usually expressed in the form of geographic coordinates (such as longitude and latitude data), which are converted into a spatial data format that the database can recognize. A spatial index is created on the table storing the convex polygonal area to speed up spatial query and position relationship judgment. The spatial relationship function provided by the database is used in combination with the spatial index to construct a query statement to determine the positional relationship between the insurance location and the convex polygonal area. Based on the query results, the positional relationship between the insurance location and each convex polygonal area is determined. If the query returns the polygon ID, it means that the insurance location is located in the polygonal area; if no result is returned, the insurance location is not within any stored convex polygonal area.
[0074] During the query process, the database system automatically uses the created spatial index to accelerate the determination of spatial relationships. Spatial indexes can quickly narrow the query scope and reduce the amount of data required for accurate spatial relationship calculations, thereby greatly improving query efficiency.
[0075] S202: When the positional relationship is that the insurance location is located within the convex polygonal area, the insurance policies corresponding to the insurance location are selected from the list of insurance policies to be screened as the insurance policies to be warned.
[0076] In one embodiment, the insurance locations whose location relationship is located within the convex polygon area are screened out, and the insurance policies corresponding to the insurance locations are screened out from the list of insurance policies to be screened as the insurance policies to be warned.
[0077] In the above embodiment, the positional relationship judgment between the insured location and the risk area with high boundary complexity is converted into the positional relationship judgment between the insured location and at least one convex polygon area with simple boundaries. This can realize parallel processing, that is, one or more insured locations simultaneously perform positional relationship judgment with each convex polygon area, and quickly judge whether the insured location is located in the convex polygon area and in which convex polygon area it is located. It can also reduce the complexity of spatial judgment, reduce the amount of calculation, improve the efficiency of positional relationship judgment, and thus improve the efficiency of insurance policy query.
[0078] See also Figure 3 , Figure 3 This is a schematic flow chart of a method for querying insurance policies awaiting early warning based on geometric cutting, provided in an embodiment of this application. This method can be applied to a server to generate personalized, accurate early warning content for different individuals awaiting early warning based on underwriting information and disaster risk information, thereby improving insurance service quality and customer experience.
[0079] like Figure 3 As shown, the method for querying insurance policies to be warned based on geometric cutting specifically includes steps S301 to S303.
[0080] S301: Obtain disaster risk information corresponding to the disaster risk area, and extract information from the insurance policy to be warned to obtain personnel information and insurance coverage information;
[0081] S302: Determine at least one person to be warned based on the personnel information;
[0082] S303: Generate warning content corresponding to each person to be warned based on the insurance information and the disaster risk information, and issue a warning to each person to be warned based on the warning content.
[0083] In one embodiment, the disaster risk information includes information such as risk level, risk occurrence time, and risk duration.
[0084] In one embodiment, personnel information and underwriting information are extracted from the insurance policies to be alerted. Personnel information includes information about the policyholder, the insured, and the salesperson. Underwriting information includes information about the insured object (e.g., property, vehicle, or crop), the effective insurance period, and the insured amount.
[0085] Based on the warning personnel requirements, the personnel involved in the policy to be warned are selected. The warning personnel requirements can be freely set by the user according to actual needs. For example, if the warning personnel requirements are to issue a warning only to the policyholder, the policyholder will be identified as the person to be warned; if the warning personnel requirements are to issue a warning only to the sales personnel, the sales personnel will be identified as the person to be warned; if the warning personnel requirements are to issue a warning to all relevant personnel, all relevant personnel of the policy to be warned will be identified as the person to be warned.
[0086] In one embodiment, different warning content is generated for different warning personnel. Specifically, after the personnel to be warned are identified, pre-stored warning content templates corresponding to each type of personnel are retrieved. The templates are populated with detailed underwriting information and disaster risk information to generate warning content corresponding to each warning personnel. Each warning content is then sent to the corresponding personnel to provide risk warning.
[0087] For example, the warning content template corresponding to the insured may be "Dear Mr. X, you purchased comprehensive housing property insurance (policy number: xxxxxxxx) for your property (address: No. X, X Street, X District, X City) on X / X / X, with an insurance period from X / X / X to X / X / X. It is predicted that the area where the property is located will face heavy rain in the next X hours, which may cause flooding, and the risk level is high. Your comprehensive housing property insurance includes liability for heavy rain and flooding, with an insurance amount of X million yuan, which can provide you with compensation for losses to the main structure of the house, interior decoration, and indoor property. It is recommended that you move valuables to upper floors in advance, turn off electrical equipment, and prepare emergency supplies such as flashlights and drinking water to reduce possible property losses." Among them, X and x are to-be-filled contents determined based on the underwriting information and disaster risk information.
[0088] In one embodiment, the warning method includes but is not limited to text messages, emails, phone calls, application push, etc.
[0089] In the above embodiment, personalized and accurate warning content can be generated for different people to be warned based on the insurance information and disaster risk information, thereby improving the quality of insurance services and customer experience.
[0090] See also Figure 4 , Figure 4 The present invention provides a schematic block diagram of a device for querying insurance policies awaiting early warning based on geometric cutting, which is used to execute the aforementioned method for querying insurance policies awaiting early warning based on geometric cutting. The device for querying insurance policies awaiting early warning based on geometric cutting can be configured on a server.
[0091] like Figure 4 As shown, the device 400 for querying insurance policies to be warned based on geometric cutting includes:
[0092] List generation module 401 is used to obtain disaster risk areas and disaster risk types, and extract insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened;
[0093] A region cutting module 402 is configured to perform geometric cutting on the disaster risk region based on preset cutting parameters to obtain at least one convex polygonal region;
[0094] A location identification module 403 is used to identify the addresses of the insurance policies in the list of insurance policies to be screened and obtain the insurance locations;
[0095] The insurance policy screening module 404 is used to screen the list of insurance policies to be screened based on the insurance location and at least one of the convex polygon areas to obtain insurance policies to be warned that have claims risks.
[0096] Furthermore, the insurance policy screening module 404 includes:
[0097] a positional relationship determining unit, configured to compare the insurance location with each of the convex polygonal areas to determine a positional relationship between the insurance location and each of the convex polygonal areas;
[0098] The insurance policy screening unit to be warned is used to screen out the insurance policy corresponding to the insurance location from the insurance policy list to be screened as the insurance policy to be warned when the position relationship is that the insurance location is located within the convex polygonal area.
[0099] Furthermore, the position relationship determining unit includes:
[0100] A circumscribed rectangle construction subunit, configured to construct a circumscribed rectangle corresponding to each of the convex polygonal regions;
[0101] An address set generating subunit, configured to compare the insurance location with each of the circumscribed rectangles, determine at least one insurance location contained in each of the circumscribed rectangles, and generate an address set corresponding to each of the circumscribed rectangles;
[0102] The position relationship determination subunit is used to perform parallel judgment on the insurance locations in each of the address sets and the convex polygonal areas corresponding to each of the circumscribed rectangles to determine the positional relationship between the insurance locations and the convex polygonal areas.
[0103] Furthermore, the position relationship determination unit further includes:
[0104] A spatial index establishment subunit, configured to store each of the convex polygonal regions in a preset spatial database and establish a spatial index based on the preset spatial database;
[0105] A position relationship determination subunit is used to determine the position relationship between the insurance location and each of the convex polygonal areas based on the spatial index.
[0106] Furthermore, the device 400 for querying insurance policies to be warned based on geometric cutting further includes a cutting parameter acquisition module, which includes:
[0107] Historical data acquisition unit, used to obtain historical cutting parameters and query efficiency and accuracy of historical warning policies;
[0108] The cutting parameter determination unit is used to calculate the parameter score corresponding to each of the historical cutting parameters based on the query efficiency and the query accuracy, and use the historical cutting parameter corresponding to the highest parameter score as the preset cutting parameter.
[0109] Furthermore, the device 400 for querying insurance policies to be warned based on geometric cutting further includes a warning module, which includes:
[0110] An information extraction unit is used to obtain disaster risk information corresponding to the disaster risk area, and extract information from the insurance policy to be warned to obtain personnel information and insurance coverage information;
[0111] a personnel-to-be-warned determining unit, configured to determine at least one person to be warned based on the personnel information;
[0112] The warning content determination unit is used to generate warning content corresponding to each person to be warned based on the insurance information and the disaster risk information, and to warn each person to be warned based on the warning content.
[0113] Furthermore, the location identification module 403 includes:
[0114] An address recognition unit is used to perform address recognition on the insurance policies in the list of insurance policies to be screened and obtain recognition results;
[0115] The address conversion unit is used to convert the address text into longitude and latitude data as the insurance location when the recognition result is an address text.
[0116] It should be noted that those skilled in the art will clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described devices and modules can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.
[0117] The above-mentioned device can be realized in the form of a computer program. The computer program can be used in Figure 5 Runs on the computer equipment shown.
[0118] See also Figure 5 , Figure 5 1 is a schematic block diagram of a computer device provided in an embodiment of the present application. The computer device may be a server.
[0119] See Figure 5 The computer device includes a processor, a memory, and a network interface connected through a system bus, wherein the memory may include a non-volatile storage medium and an internal memory.
[0120] The non-volatile storage medium can store an operating system and a computer program. The computer program includes program instructions, which, when executed, can cause the processor to execute any one of the methods for querying insurance policies to be warned based on geometric cutting.
[0121] The processor is used to provide computing and control capabilities and support the operation of the entire computer equipment.
[0122] The internal memory provides an environment for the operation of the computer program in the non-volatile storage medium. When the computer program is executed by the processor, the processor can execute any method for querying insurance policies to be warned based on geometric cutting.
[0123] The network interface is used for network communication, such as sending assigned tasks, etc. Those skilled in the art will understand that Figure 5 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.
[0124] It should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor may be a microprocessor or any conventional processor, etc.
[0125] In one embodiment, the processor is configured to execute a computer program stored in the memory to implement the following steps:
[0126] Obtain disaster risk areas and disaster risk types, and extract insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened;
[0127] Based on preset cutting parameters, geometrically cutting the disaster risk area to obtain at least one convex polygonal area;
[0128] Performing address identification on the insurance policies in the list of insurance policies to be screened to obtain the insurance locations;
[0129] Based on the insurance location and at least one of the convex polygonal areas, screening is performed in the list of insurance policies to be screened to obtain insurance policies to be warned that have claims risks.
[0130] In one embodiment, when the processor performs screening in the list of to-be-screened policies based on the insurance location and at least one of the convex polygonal regions to obtain policies to be warned of with claims risk, the processor is configured to:
[0131] Comparing the insurance location with each of the convex polygonal areas to determine a positional relationship between the insurance location and each of the convex polygonal areas;
[0132] When the positional relationship is that the insurance location is located within the convex polygonal area, the insurance policy corresponding to the insurance location is screened out from the list of insurance policies to be screened as the insurance policy to be warned.
[0133] In one embodiment, when comparing the insurance location with each of the convex polygonal areas to determine the positional relationship between the insurance location and each of the convex polygonal areas, the processor is configured to implement:
[0134] Constructing a circumscribed rectangle corresponding to each of the convex polygonal regions;
[0135] Comparing the insurance location with each of the circumscribed rectangles, determining at least one insurance location contained in each of the circumscribed rectangles, and generating an address set corresponding to each of the circumscribed rectangles;
[0136] The insurance locations in each of the address sets and the convex polygonal areas corresponding to the circumscribed rectangles are judged in parallel to determine the positional relationship between the insurance locations and the convex polygonal areas.
[0137] In one embodiment, when comparing the insurance location with each of the convex polygonal areas to determine the positional relationship between the insurance location and each of the convex polygonal areas, the processor is further configured to:
[0138] Storing each of the convex polygonal regions in a preset spatial database, and establishing a spatial index based on the preset spatial database;
[0139] Based on the spatial index, the positional relationship between the insurance location and each of the convex polygonal areas is determined.
[0140] In one embodiment, before geometrically cutting the disaster risk area based on preset cutting parameters to obtain at least one convex polygonal area, the processor is further configured to implement:
[0141] Obtain historical cutting parameters and query efficiency and accuracy of historical warning policies;
[0142] Based on the query efficiency and the query accuracy, a parameter score corresponding to each of the historical cutting parameters is calculated, and the historical cutting parameter corresponding to the highest parameter score is used as the preset cutting parameter.
[0143] In one embodiment, after the processor filters the list of to-be-screened policies based on the insurance location and at least one of the convex polygonal regions to obtain the to-be-screened policies with claim risk, the processor is further configured to:
[0144] Obtain disaster risk information corresponding to the disaster risk area, and extract information from the insurance policy to be warned to obtain personnel information and underwriting information;
[0145] Based on the personnel information, determining at least one person to be warned;
[0146] Based on the insurance information and the disaster risk information, warning content corresponding to each of the persons to be warned is generated, and based on the warning content, a warning is issued to each of the persons to be warned.
[0147] In one embodiment, when performing address recognition on the insurance policies in the list of to-be-screened insurance policies to obtain the insurance coverage location, the processor is configured to implement:
[0148] Performing address recognition on the insurance policies in the list of insurance policies to be screened to obtain recognition results;
[0149] When the recognition result is an address text, the address text is converted into latitude and longitude data as the insurance location.
[0150] A computer-readable storage medium is also provided in an embodiment of the present application, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and the processor executes the program instructions to implement any one of the methods for querying insurance policies to be warned based on geometric cutting provided in the embodiments of the present application.
[0151] The computer-readable storage medium may be an internal storage unit of the computer device described in the aforementioned embodiment, such as a hard disk or memory of the computer device. The computer-readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a SmartMedia Card (SMC), a Secure Digital (SD) card, a flash memory card, etc., equipped on the computer device.
[0152] The above description is merely a specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in the present application, and such modifications or substitutions should be included in the scope of protection of the present application. Therefore, the scope of protection of the present application should be based on the scope of protection of the claims.
Claims
1. A method for querying insurance policies to be warned based on geometric cutting, characterized in that: include: Obtain disaster risk areas and disaster risk types, and extract insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened; Based on preset cutting parameters, geometrically cutting the disaster risk area to obtain at least one convex polygonal area; Performing address identification on the insurance policies in the list of insurance policies to be screened to obtain the insurance locations; Based on the insurance location and at least one of the convex polygonal areas, screening is performed in the list of insurance policies to be screened to obtain insurance policies to be warned that have claims risks.
2. The method for querying insurance policies to be warned based on geometric cutting according to claim 1, characterized in that: The step of screening the list of policies to be screened based on the insurance location and at least one of the convex polygonal areas to obtain policies to be warned of that have claims risks includes: Comparing the insurance location with each of the convex polygonal areas to determine a positional relationship between the insurance location and each of the convex polygonal areas; When the positional relationship is that the insurance location is located within the convex polygonal area, the insurance policy corresponding to the insurance location is screened out from the list of insurance policies to be screened as the insurance policy to be warned.
3. The method for querying insurance policies to be warned based on geometric cutting according to claim 2, characterized in that: Comparing the insurance location with each of the convex polygonal areas to determine the positional relationship between the insurance location and each of the convex polygonal areas includes: Constructing a circumscribed rectangle corresponding to each of the convex polygonal regions; Comparing the insurance location with each of the circumscribed rectangles, determining at least one insurance location contained in each of the circumscribed rectangles, and generating an address set corresponding to each of the circumscribed rectangles; The insurance locations in each of the address sets and the convex polygonal areas corresponding to the circumscribed rectangles are judged in parallel to determine the positional relationship between the insurance locations and the convex polygonal areas.
4. The method for querying insurance policies to be warned based on geometric cutting according to claim 2, characterized in that: The step of comparing the insurance location with each of the convex polygonal areas to determine the positional relationship between the insurance location and each of the convex polygonal areas further includes: Storing each of the convex polygonal regions in a preset spatial database, and establishing a spatial index based on the preset spatial database; Based on the spatial index, the positional relationship between the insurance location and each of the convex polygonal areas is determined.
5. The method for querying insurance policies to be warned based on geometric cutting according to claim 1, characterized in that: Before geometrically cutting the disaster risk area based on preset cutting parameters to obtain at least one convex polygonal area, the method further includes: Obtain historical cutting parameters and query efficiency and accuracy of historical warning policies; Based on the query efficiency and the query accuracy, a parameter score corresponding to each of the historical cutting parameters is calculated, and the historical cutting parameter corresponding to the highest parameter score is used as the preset cutting parameter.
6. The method for querying insurance policies to be warned based on geometric cutting according to claim 1, characterized in that: After screening the list of policies to be screened based on the insurance location and at least one convex polygonal area to obtain policies to be warned of with claims risk, the method further includes: Obtain disaster risk information corresponding to the disaster risk area, and extract information from the insurance policy to be warned to obtain personnel information and underwriting information; Based on the personnel information, determining at least one person to be warned; Based on the insurance information and the disaster risk information, warning content corresponding to each of the persons to be warned is generated, and based on the warning content, a warning is issued to each of the persons to be warned.
7. The method for querying insurance policies to be warned based on geometric cutting according to any one of claims 1 to 6, characterized in that: The step of performing address identification on the insurance policies in the list of insurance policies to be screened to obtain the insurance locations includes: Performing address recognition on the insurance policies in the list of insurance policies to be screened to obtain recognition results; When the recognition result is an address text, the address text is converted into latitude and longitude data as the insurance location.
8. A device for querying insurance policies to be warned based on geometric cutting, characterized in that: include: A list generation module is used to obtain disaster risk areas and disaster risk types, and extract insurance policies corresponding to the disaster risk types from a preset insurance policy database to generate a list of insurance policies to be screened; A region cutting module, configured to perform geometric cutting on the disaster risk region based on preset cutting parameters to obtain at least one convex polygonal region; A location identification module is used to identify the addresses of the insurance policies in the list of insurance policies to be screened and obtain the insurance locations; The insurance policy screening module is used to screen the list of insurance policies to be screened based on the insurance location and at least one of the convex polygon areas to obtain insurance policies to be warned that have claims risks.
9. A computer device, characterized in that: The computer device includes a memory and a processor; The memory is used to store computer programs; The processor is used to execute the computer program and implement the method for querying insurance policies to be warned based on geometric cutting as described in any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor implements the method for querying insurance policies to be warned based on geometric cutting as described in any one of claims 1 to 7.