The application provides a multi-
modal data-driven intelligent claim
settlement risk control system, relates to the technical field of insurance services, and comprises a multi-
modal data acquisition module, a multi-
modal data fusion and
correlation analysis module, a historical claim analysis module and a decision output module; the multi-
modal data acquisition module acquires multi-
modal data related to a
vehicle accident claim settlement event; the multi-
modal data fusion and
correlation analysis module constructs a multi-modal fusion model and calculates a
correlation index; the historical claim analysis module acquires
metadata of a claim settlement event and calculates a claim settlement similarity index based on the
metadata; the decision output module pre-sets a correlation threshold and a claim settlement similarity threshold, establishes an inspection mechanism, and determines whether to trigger a manual inspection process. The application realizes multi-dimensional evidence consistency
verification and space-time context risk
perception capability that cannot be achieved by a conventional
system, locks high-risk cases through a double-threshold joint decision mechanism, and automatically triggers manual inspection, effectively solving the limitations of traditional
risk control systems, such as dependence on a single
data source, difficulty in identifying complex fraud patterns, and lack of dynamic adaptability.