CN108921707A - Core protects processing method, device, computer equipment and storage medium - Google Patents
Core protects processing method, device, computer equipment and storage medium Download PDFInfo
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- CN108921707A CN108921707A CN201810569035.5A CN201810569035A CN108921707A CN 108921707 A CN108921707 A CN 108921707A CN 201810569035 A CN201810569035 A CN 201810569035A CN 108921707 A CN108921707 A CN 108921707A
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Abstract
This application involves a seed nucleus to protect processing method, device, computer equipment and storage medium.This method includes：The items for obtaining the target declaration form protected to core are insured information；Risk profile is carried out by items information of insuring by risk forecast model, obtains the individual event risk score of every information of insuring；The risk profile result of target declaration form is determined according to each individual event risk score；When determining that target declaration form is risk declaration form according to risk profile result, then indicating risk information is generated for target declaration form and pushed；Indicating risk information is used to indicate execution risk processing logic corresponding with indicating risk information.The risk of target declaration form can be reduced using this method.
Description
Technical field
This application involves cores to protect processing technology field, protects processing method, device, computer equipment more particularly to a seed nucleus
And storage medium.
Background technique
It is well known that insurance institution needs to carry out core guarantor's processing after declaration form is insured, to judge whether to receive risk covered.
In conventional method, need after the declaration form newly insured enters artificial nucleus' guarantor's link, then by manually according to own service ability
To carry out core guarantor to the declaration form, to judge whether the declaration form has risk.
However, there are certain time is poor before reaching artificial nucleus and protecting link after declaration form is insured.In difference this period,
The declaration form with potential risk can not just be known in insurance institution, and then can not be in time to this declaration form with potential risk
Respective handling is carried out, to bring biggish risk to insurance institution.
Summary of the invention
Based on this, it is necessary to aiming at the problem that traditional core protects method and brings biggish risk to insurance institution, provide one kind
The core that can reduce risk protects processing method, device, computer equipment and storage medium.
One seed nucleus protects processing method, the method includes：
The items for obtaining the target declaration form protected to core are insured information；
Risk profile is carried out by items information of insuring by risk forecast model, the items is obtained and insures information
Individual event risk score；
The risk profile result of target declaration form is determined according to each individual event risk score；
When determining that the target declaration form is risk declaration form according to the risk profile result, then
Indicating risk information is generated for the target declaration form and is pushed；The indicating risk information be used to indicate execution with
The corresponding risk of indicating risk information handles logic.
It is described pre- by items information progress risk of insuring by risk forecast model in one of the embodiments,
It surveys, obtaining the insure individual event risk score of information of the items includes：
Items are insured information input risk forecast model, output and items are insured the corresponding risk factor of information；
Obtain every individual event regulation coefficient corresponding to information of insuring；
Corresponding risk factor is adjusted by every individual event regulation coefficient corresponding to information of insuring, obtains items
The individual event risk score for information of insuring.
The risk profile knot that target declaration form is determined according to each individual event risk score in one of the embodiments,
Fruit includes：
Items information of insuring is obtained to score accordingly weight, by items insure information individual event risk score by commenting accordingly
Fraction is weighted summation again, obtains the risk overall score of target declaration form；Or, each individual event risk score is directly summed,
Obtain the risk overall score of target declaration form；
The risk overall score is compared with preset risk score threshold value；
According to comparison result, the risk profile result of target declaration form is determined.
The risk processing logic includes that advanced core protects logic in one of the embodiments,；It is described to be directed to the target
Declaration form generates indicating risk information and pushes：
According to the risk profile as a result, generating indicating risk information corresponding with target declaration form；
The indicating risk information is pushed into terminal；The indicating risk information is used to indicate the terminal reception pair
The advanced core of indicating risk information described in Ying Yu protects operational order, and it is corresponding with advanced core guarantor's operational order to trigger execution
Advanced core protects logic, to carry out advanced core guarantor processing.
In one of the embodiments, the method also includes：
It receives the terminal and advanced core guarantor's request that logic issues is protected based on the advanced core；
Request is protected in response to the advanced core, obtains supplemental information of insuring corresponding with target declaration form；
The supplemental information that will insure is compared with corresponding preset risk conditions；
When the supplemental information of insuring meets corresponding risk conditions, then obtains the target declaration form and belong to risk declaration form
Advanced core protect result.
The risk processing logic includes that insurance coverage recommends logic in one of the embodiments,；It is described for described
Target declaration form generates indicating risk information and pushes：
According to the risk profile as a result, generating indicating risk information corresponding with target declaration form；
The indicating risk information is pushed into terminal；The indicating risk information is used to indicate the terminal reception pair
The insurance coverage of indicating risk information described in Ying Yu recommends operational order, and triggers execution and recommend operation to refer to the insurance coverage
Corresponding insurance coverage is enabled to recommend logic, to carry out insurance coverage recommendation process.
The risk profile result includes the risk class of prediction in one of the embodiments,；The method also includes：
Receive the insurance coverage recommendation request that the terminal recommends logic to issue based on the insurance coverage；
In response to the insurance coverage recommendation request, the wind of prediction is obtained from the risk profile result of the target declaration form
Dangerous grade；
Insurance coverage recommendation information is generated according to insurance coverage corresponding with the risk class and is pushed.
One seed nucleus protects processing unit, and described device includes：
Module is obtained, is insured information for obtaining to the items of the target declaration form of core guarantor；
Risk profile module, for by risk forecast model by the items insure information carry out risk profile, obtain
The items are insured the individual event risk score of information；The risk profile knot of target declaration form is determined according to each individual event risk score
Fruit；
Risk processing module, for when according to the risk profile result determine the target declaration form be risk declaration form when,
Indicating risk information then is generated for the target declaration form and is pushed；The indicating risk information is used to indicate execution and the wind
The dangerous corresponding risk of prompt information handles logic.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device realizes following steps when executing the computer program：
The items for obtaining the target declaration form protected to core are insured information；
Risk profile is carried out by items information of insuring by risk forecast model, the items is obtained and insures information
Individual event risk score；
The risk profile result of target declaration form is determined according to each individual event risk score；
When determining that the target declaration form is risk declaration form according to the risk profile result, then
Indicating risk information is generated for the target declaration form and is pushed；The indicating risk information be used to indicate execution with
The corresponding risk of indicating risk information handles logic.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
Following steps are realized when row：
The items for obtaining the target declaration form protected to core are insured information；
Risk profile is carried out by items information of insuring by risk forecast model, the items is obtained and insures information
Individual event risk score；
The risk profile result of target declaration form is determined according to each individual event risk score；
When determining that the target declaration form is risk declaration form according to the risk profile result, then
Indicating risk information is generated for the target declaration form and is pushed；The indicating risk information be used to indicate execution with
The corresponding risk of indicating risk information handles logic.
Above-mentioned core protects processing method, device, computer equipment and storage medium, analyzes outlet air in time by risk model
Dangerous declaration form, and indicating risk is carried out in time to the risk declaration form, triggering executes corresponding risk and handles logic, to be directed to the throwing
Declaration form carries out respective risk processing.Must move to artificial nucleus' guarantor's link compared to conventional method could judge the risk of insurance application
For, potential risk declaration form can be found much sooner and carries out respective risk processing, reduce the risk of target declaration form.
Detailed description of the invention
Fig. 1 is the application scenario diagram that one embodiment center protects processing method；
Fig. 2 is the flow diagram that one embodiment center protects processing method；
Fig. 3 to Fig. 4 is the display interface figure of one embodiment risk prompt information；
Fig. 5 is the flow diagram that individual event risk score determines step in one embodiment；
Fig. 6 is the structural block diagram that one embodiment center protects processing unit；
Fig. 7 is the structural block diagram that another embodiment center protects processing unit；
Fig. 8 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Core provided by the present application protects processing method, can be applied in application environment as shown in Figure 1.Wherein, terminal 110
It is communicated with server 120 by network.The items that server 120 obtains the target declaration form protected to core are insured information；Pass through
Risk forecast model carries out risk profile by items information of insuring, and obtains the individual event risk score of every information of insuring；According to each
Individual event risk score determines the risk profile result of target declaration form.When according to risk profile result determine target declaration form for risk guarantor
Dan Shi, server 120 then generates indicating risk information for target declaration form, and indicating risk information is pushed to terminal 110.Wind
Dangerous prompt information is used to indicate terminal 110 and executes risk processing logic corresponding with indicating risk information.Wherein, terminal 110 can
With but be not limited to various personal computers, laptop, smart phone, tablet computer and portable wearable device, take
Business device 120 can be realized with the server cluster of the either multiple server compositions of independent server.
In one embodiment, as shown in Fig. 2, providing a seed nucleus protects processing method, it is applied in Fig. 1 in this way
It is illustrated for server 120, specifically includes following steps：
S202, the items for obtaining the target declaration form protected to core are insured information.
Wherein, target declaration form is the declaration form that pending core protects processing.It insures information, is the process of insuring in target declaration form
In acquired relevant information of insuring.
In one embodiment, information of insuring include insurer's information, warrantee's information, insurer and warrantee's relationship,
Insurance kind type compensates insurance kind quantity and temporarily receives at least one in remaining sum etc..Wherein, insurer refers to signing insurance contract,
And the people of premium payment obligation is born according to insurance contract.Warrantee is the people by insurance contract guarantee.Insurance kind is compensated to refer to
Containing the insurance kind for compensating responsibility.Remaining sum is temporarily received, is the insured amount that insurer temporarily receives in insurance company.
Wherein, insurer's information may include at least one in insurer's educational background, occupation and gender etc..Warrantee's information
At least one of in age, height, weight, gender, educational background and physical examination type including warrantee etc..Insurer and warrantee are closed
System includes the relationships such as parent, children, man and wife or friend.
The information it is appreciated that items that server can obtain target declaration form from database are insured.Server can also be with
The items for obtaining the target declaration form that terminal is sent are insured information.
In one embodiment, step S202 includes：The core received for target declaration form protects request, obtains the core guarantor and asks
The declaration form of the target declaration form of middle carrying is asked to identify；Items corresponding with the declaration form of target declaration form mark are searched from database to insure
Information.It is appreciated that the corresponding relationship between declaration form mark and every information of insuring has been stored in advance in database, according to the correspondence
Relationship, server can be searched insures information with items corresponding with the declaration form of target declaration form mark.
In another embodiment, step S202 includes：The core received for target declaration form protects request, obtains the core and protects
The items of the target declaration form protected to core carried in request are insured information.
S204 carries out risk profile by items information of insuring by risk forecast model, obtains the list of every information of insuring
Item risk score.
Wherein, risk forecast model is pre-established for predicting the machine learning model of declaration form risk.
Specifically, server can insure items in information input risk forecast model to carry out risk profile, output
Items are insured the individual event risk score of information.Export individual event risk score corresponding with each information of insuring.For example, defeated
Enter tri- information of insuring of A, B and C, then can export and the corresponding individual event risk score 1 of A, individual event risk score 2 corresponding with B
And individual event risk score 3 corresponding with C.
In one embodiment, the establishment step of risk forecast model includes：Obtain training sample；Include in training sample
The corresponding individual event risk score of information that items insure information and items are insured；Obtain risk forecast model to be adjusted；Iteratively
Training sample is inputted in risk forecast model to be adjusted and carry out machine learning training, with iteratively pre- to risk to be adjusted
The model parameter for surveying model is adjusted, until obtaining final risk forecast model when model parameter is stablized.
Specifically, the available initial risk forecast model to be adjusted of server will include that items be insured information and each
Item insure the corresponding individual event risk score of information the initial risk forecast model to be adjusted of training sample input in, by initial
Risk forecast model to be adjusted carries out the prediction of individual event risk score to every information of insuring, according to for each information of insuring
Difference between the individual event risk score predicted individual event risk score corresponding with information of insuring in training sample with this is adjusted
The model parameter of whole initial risk forecast model to be adjusted.Then, server iteratively will be in the input of next training sample
Secondary risk forecast model adjusted continues to train, until model parameter stablize it is constant.It is appreciated that last time is adjusted
Risk forecast model is risk forecast model this time to be adjusted.
S206 determines the risk profile result of target declaration form according to each individual event risk score.
Wherein, risk profile result may include the knot that direct description target declaration form is risk declaration form or non-risk declaration form
Fruit.For example " target declaration form is risk declaration form " can be risk profile result.Risk profile result also may include description target
The result of the risk class of declaration form.For example, " risk class of target declaration form is high-risk grade " can be risk profile result.
It should be noted that server can respectively analyze each individual event risk score, to determine target declaration form
Risk profile result.Server can also calculate the risk overall score of target declaration form according to each individual event risk score, according to target
The risk overall score of declaration form determines the risk profile result of target declaration form.
It is appreciated that server can directly sum each individual event risk score, the risk overall score of target declaration form is obtained.
In one embodiment, include according to the step of risk overall score of each individual event risk score calculating target declaration form：
Items information of insuring is obtained to score accordingly weight, by items insure information individual event risk score by corresponding scoring weight into
Row weighted sum obtains the risk overall score of target declaration form.
Specifically, it is previously provided in server and insures the corresponding weight that scores of information with items.Server can be direct
The preset corresponding scoring weight is obtained, the individual event risk score of every information of insuring is weighted by corresponding scoring weight
Summation, obtains the risk overall score of target declaration form.
Server risk overall score can be compared with preset risk score threshold value；According to comparison result, determine
The risk profile result of target declaration form.
In one embodiment, server can the risk overall score to target declaration form be adjusted, by wind adjusted
Dangerous overall score is compared with preset risk score threshold value.
In one embodiment, server can risk overall score directly to target declaration form carry out non-linear transfer tune
It is whole, obtain the risk overall score adjusted of target declaration form.
Specifically, server can carry out nonlinear adjustment according to risk overall score of the following formula to target declaration form：
SCORE=1/ (1+exp (- 1*XB))；Wherein, SCORE is risk overall score adjusted；XB is the wind before adjustment
Dangerous overall score.
In one embodiment, server can also obtain total score regulation coefficient corresponding with target declaration form；Pass through total score
Regulation coefficient is adjusted the risk overall score of target declaration form.
Wherein, total score regulation coefficient, for adjusting the risk overall score of corresponding declaration form.
In one embodiment, total score regulation coefficient can be the pre-set one stable experience with universality
Value.Universality is generally applicable in each target declaration form.
In another embodiment, total score regulation coefficient is also possible to by adjusting the items of function according to target declaration form are calculated
Information of insuring is calculated.Adjustment calculate function be according to history declaration form insure information and total score regulation coefficient carries out at analysis
Reason is established.Adjustment, which calculates function, can be used for being calculated the total score adjustment system of the declaration form according to the information of insuring of the declaration form of substitution
Number.It is appreciated that the information difference of insuring of declaration form, then can not also by adjusting the total score regulation coefficient for calculating function calculating
Together.
In one embodiment, total score regulation coefficient can be multiplied by server with the risk overall score of target declaration form, will
Obtained product is as risk overall score adjusted.It should be noted that in other embodiments, server can also basis
Total score regulation coefficient carries out other adjustment linearly or nonlinearly to the risk overall score of target declaration form.
It is appreciated that being adjusted by risk overall score of the total score regulation coefficient to target declaration form, or to target declaration form
Risk overall score carry out nonlinear adjustment, the deficiency of risk forecast model can be made up, to improve the standard of risk overall score
True property.Risk overall score adjusted is compared with preset risk score threshold value, to determine risk profile as a result, improving
The accuracy of risk profile result, thereby reduces the risk of target declaration form.
In one embodiment, according to comparison result, determine that the risk profile result of target declaration form includes：When risk general comment
When dividing more than or equal to preset risk score threshold value, then determine target declaration form for risk declaration form；Be less than when risk overall score or
When equal to preset risk score threshold value, then determine that target declaration form is non-risk declaration form.
In another embodiment, according to comparison result, determine that the risk profile result of target declaration form includes：According to risk
Difference between overall score and preset risk score threshold value, determines the risk class of target declaration form；Using risk class as wind
Dangerous prediction result.In the present embodiment, when determining that target declaration form is risk declaration form according to risk profile result, then protected for target
List generates indicating risk information and pushes：When determining that target declaration form is risk declaration form according to risk class, then mesh is directed to
Mark declaration form generates indicating risk information and pushes.
Specifically, the corresponding relationship between difference section and the risk class of target declaration form is pre-set in server,
Server can search the difference section that the difference between risk overall score and preset risk score threshold value is located at, according to this
Corresponding relationship searches risk class corresponding with the difference section being located at.
In one embodiment, risk class can be the grade by digital representation, for example, 2 grades or 3 grades etc..Server
The risk class of lookup can be compared with preset risk level threshold, when the risk class of lookup is greater than or equal in advance
If risk level threshold, then determine target declaration form for risk declaration form, when lookup risk class be less than or equal to preset wind
Dangerous grade threshold then determines that target declaration form is non-risk declaration form.
In another embodiment, risk class may include high-risk grade, risk grade and low risk level.Clothes
The target declaration form of high-risk grade and/or risk grade can be determined as risk declaration form by business device, by the mesh of low risk level
Mark declaration form is determined as non-risk declaration form.
S208 then generates wind for target declaration form when determining that target declaration form is risk declaration form according to risk profile result
Dangerous prompt information simultaneously pushes.
Wherein, indicating risk information is used to indicate execution risk processing logic corresponding with indicating risk information.At risk
Logic is managed, is the relevant treatment logic for solving risk.It is appreciated that risk processing logic can be to a certain degree after being performed
The upper risk for reducing target declaration form.
In one embodiment, risk processing logic includes that advanced core is protected in logic and insurance coverage recommendation logic at least
It is a kind of.Wherein, advanced core protects logic, is the logic that processing is protected for realizing further core.Insurance coverage recommends logic, is to be used for
Realize the logic of insurance coverage recommendation process.
In one embodiment, indicating risk information includes at least one of risk factors and risk class etc..Risk
Factor is that insurance application is caused to have risky factor.For example, the risk factors in indicating risk information, which can be, " compensates insurance kind
Number is 3, is higher than average risk ".
In one embodiment, server can filter out influence risk according to the individual event risk score of every information of insuring
Property information of insuring, corresponding risk factors are generated according to the information of insuring filtered out.Server can be according to the risk of generation
Factor generates indicating risk information.In another embodiment, the server also risk etc. in available risk profile result
Grade generates indicating risk information according to risk class.In other embodiments, server can also by risk class and risk because
Element, which combines, generates indicating risk information.
In one embodiment, server can compare individual event risk score and corresponding default scoring threshold value, will be greater than
Information is insured as the information of insuring for influencing risk corresponding to the individual event risk score of corresponding default scoring threshold value.It can manage
Solution, corresponding default scoring threshold value is respectively set in the server information that can insure for difference, by the individual event risk for information of insuring
Scoring is compared with respective default scoring threshold value respectively.Server can also unify that default scoring threshold value is arranged, will
All unified scoring threshold value compares the individual event risk score of all information of insuring with this.
It is mentioned it is appreciated that server can protect the platforms such as client or instant messaging push risk by mail, short message, core
Show information.It is that the client of processing is protected for carrying out core that core, which protects client,.
In one embodiment, server can generate indicating risk information for target declaration form, and by the risk of generation
Prompt information pushes to terminal, makes terminal that indicating risk information is carried out output displaying.
It is appreciated that terminal can carry out output displaying to indicating risk information by visual means or voice mode.
Visual means are the mode that can be seen.Visual means include the exhibition methods such as text or picture.It should be noted that
Indicating risk information can be exported in individual region and be shown, can also be with the non-indicating risk information in interface in same viewing area
Domain carries out output displaying.When indicating risk information and non-indicating risk information are located at same display area, risk can be mentioned
Show that information carries out high-lighting displaying, to come with non-indicating risk data separation.High-lighting displaying may include transformed word physique
Formula, transformation font color, overstriking and at least one of underline etc. exhibition method.Wherein, non-indicating risk information is risk
Showing interface information except prompt information.
It should be noted that indicating risk information can serve to indicate that the general introduction letter of the terminal display indicating risk information
Breath, and receive and check instruction in response to the details corresponding to the summary information, to show the details description of indicating risk information
Information.The summary information of indicating risk information, for briefly stating indicating risk information.The details of indicating risk information describe
Information includes specific risk factors.
Specifically, risk supervision personnel can the summary information of indicating risk information to terminal display carry out trigger action
(such as the trigger actions such as click, pressing or sliding), generate details with triggering and check instruction, terminal checks finger in response to details
It enables, the details description information of indicating risk information is shown.
Fig. 3 to Fig. 4 is the display interface figure of one embodiment risk prompt information.It is and risk referring to Fig. 3,302
The summary information of prompt information, the information in 304 regions belong to non-indicating risk information.As it can be seen that the general introduction of indicating risk information
The font of information has carried out overstriking relative to non-indicating risk information, to realize the effect of high-lighting displaying.User can trigger
" details are checked in click " in 302, to check details description information.What is shown in the bullet frame 402 of Fig. 4 is indicating risk letter
The details description information of breath.
Above-mentioned core protects processing method, analyzes risk declaration form in time by risk model, and timely to the risk declaration form
Ground carries out indicating risk, and triggering executes corresponding risk and handles logic, to carry out respective risk processing for the insurance application.It compares
It must move to artificial nucleus in conventional method to protect for link could judge the risk of insurance application, can find to dive much sooner
In risk declaration form and respective risk processing is carried out, reduces the risk of target declaration form.
As shown in figure 5, in one embodiment, step S204 (abbreviation individual event risk score determines step) specifically include with
Lower step：
S502 insures items information input risk forecast model, and output and items are insured the corresponding risk factor of information.
It, can be previously according to including that items are insured information and corresponding it is appreciated that the risk forecast model in the present embodiment
Known risk factor carries out machine learning training foundation and obtains.Risk factor is the coefficient for embodying degree of risk.
Specifically, server insures items information input risk forecast model, by risk forecast model respectively to each
Item information of insuring carries out risk profile processing, and output and items are insured the corresponding risk factor of information.
S504 obtains every individual event regulation coefficient corresponding to information of insuring.
Individual event regulation coefficient is insured the risk factor of information for adjusting corresponding individual event.
In one embodiment, server can directly acquire is directed to the preset individual event regulation coefficient of item of respectively insuring in advance,
It insures the corresponding individual event regulation coefficient of information as with items.I.e. preset individual event regulation coefficient is not in the essence with information of insuring
The variation of appearance and change, but preset according to item of insuring.For example, it is directed to this item of insuring of insurer's information, it can be preparatory
It is 0.7 that corresponding individual event regulation coefficient, which is arranged, and when carrying out core guarantor's processing respectively for target declaration form 1 and target declaration form 2, target is protected
Individual event regulation coefficient corresponding to single 1 insurer's information and insurer's information of target declaration form 2 is all 0.7.It is appreciated that pre-
If individual event regulation coefficient be the pre-set stable empirical value with universality.
In one embodiment, server can also insure to items information be adjusted coefficient analysis processing, obtain phase
The individual event regulation coefficient answered.I.e. individual event regulation coefficient is determined by the insure substantive content of information of items, and individual event regulation coefficient can be with
The corresponding change with the difference of the substantive content of every information of insuring.For example, the insurer's information and target of target declaration form 1 are protected
The difference of single 2 insurer's information, then the individual event regulation coefficient corresponding to it can also be different.
In one embodiment, server can be previously according to the individual event adjustment system of insure information and the corresponding history of history
Number is analyzed and processed, and establishes a regulation coefficient analytic function.The regulation coefficient analytic function is used for information that items are insured
It is mapped as corresponding individual event regulation coefficient.So, server the items of target declaration form can be insured information input this build in advance
Vertical regulation coefficient analytic function exports corresponding individual event regulation coefficient.
S506 is adjusted corresponding risk factor by every individual event regulation coefficient corresponding to information of insuring, obtains
To the individual event risk score of every information of insuring.
It is appreciated that server can insure individual event regulation coefficient corresponding to information to corresponding risk system by items
Number carries out adjustment linearly or nonlinearly, obtains the individual event risk score of every information of insuring.
In one embodiment, step S506 includes：Items are insured individual event regulation coefficient corresponding to information and corresponding
Risk factor be multiplied, using obtained product as the individual event risk score of every information of insuring.For example, a certain information of insuring
Risk factor is 0.5, and individual event regulation coefficient is 0.7, then this insure the individual event risk score of information can be for 0.35.
It, can also be by by individual event regulation coefficient and corresponding risk factor it should be noted that in other embodiments
It is added, the sum of will add up the individual event risk score as every information of insuring.
In above-described embodiment, risk forecast model and individual event regulation coefficient are combined, predicted by risk forecast model
Then the corresponding risk factor of information of insuring out with items insures individual event regulation coefficient corresponding to information to corresponding by items
Risk factor be adjusted, obtain the individual event risk score of every information of insuring.By individual event regulation coefficient to risk factor
Be adjusted, compared to violence directly using risk factor as individual event risk score for, improve individual event risk score
Accuracy.
In one embodiment, step S206 includes：The corresponding individual event risk score threshold value of determining information of insuring with items；
The individual event risk score of every information of insuring is compared with corresponding individual event risk score threshold value respectively；When any individual event risk
When scoring is greater than or equal to corresponding individual event risk score threshold value, then the risk profile result that target declaration form is risk declaration form is obtained；
Or, then obtaining target guarantor when the individual event risk score for meeting preset quantity is greater than or equal to corresponding individual event risk score threshold value
Single is the risk profile result of risk declaration form.
Specifically, server can be determined insures the corresponding individual event risk score threshold value of information with items, and items are insured
The individual event risk score of information is compared with corresponding individual event risk score threshold value respectively.Server can be true according to comparison result
Set the goal the risk profile result of declaration form.
In one embodiment, when any individual event risk score is greater than or equal to corresponding individual event risk score threshold value, clothes
Be engaged in device then available target declaration form be risk declaration form risk profile result.When all individual event risk scores are smaller than or are equal to
When corresponding individual event risk score threshold value, server then available target declaration form be non-risk declaration form risk profile result.
In one embodiment, when the individual event risk score for meeting preset quantity is greater than or equal to corresponding individual event risk score
When threshold value, server then available target declaration form be risk declaration form risk profile result.When the individual event for being less than preset quantity
When risk score is greater than or equal to corresponding individual event risk score threshold value, then available target declaration form is non-risk declaration form to server
Risk profile result.
For example, preset quantity is 3, if only 2 (being less than preset quantity 3) individual event risk scores are greater than or equal to accordingly
Individual event risk score threshold value, then available target declaration form is the risk profile result of non-risk declaration form.If there is 4 (big
In preset quantity 3) individual event risk score is more than or equal to corresponding individual event risk score threshold value, then available target declaration form is
The risk profile result of risk declaration form.
It in above-described embodiment, is analyzed and processed by the individual event risk score to every information of insuring, determines that target is protected
Single risk profile as a result, rather than general risk score is carried out with declaration form dimension, improve the fine of risk profile result
Degree, and then improve the accuracy of the risk profile result of target declaration form.
In one embodiment, risk processing logic includes that advanced core protects logic.Indicating risk is generated for target declaration form
Information and push include：According to risk profile as a result, generating indicating risk information corresponding with target declaration form；Indicating risk is believed
Breath pushes to terminal；Indicating risk information, the advanced core guarantor's operation for being used to indicate terminal reception corresponding to indicating risk information refer to
It enables, and triggers execution advanced core corresponding with advanced core guarantor's operational order and protect logic, to carry out advanced core guarantor processing.
Wherein, advanced core protects operational order, is used to indicate and carries out advanced core guarantor processing.Advanced core guarantor processing, be carry out into
One step earth's core guarantor processing.
Specifically, server can according to risk profile as a result, generate corresponding with target declaration form indicating risk information, and
Indicating risk information is pushed into terminal.Indicating risk information can be carried out output displaying by terminal.User can be based on displaying
Indicating risk information carry out advanced core and protect operation, operational order is protected with the advanced core for inputting for indicating risk information.Terminal
Operational order triggering can be protected in response to the advanced core execute and protect the corresponding advanced core guarantor logic of operational order with advanced core, with into
Traveling rank core guarantor processing.
In one embodiment, terminal can protect logic based on advanced core and issue advanced core guarantor request to server.
It is illustrated now in conjunction with Fig. 3.User can trigger " advanced core guarantor " button in Fig. 3, to input advanced core
Protect operational order.Terminal can then trigger execution advanced core corresponding with advanced core guarantor's operational order and protect logic, advanced based on this
Core protects logic and sends advanced core guarantor request to server.
In one embodiment, this method further includes：The advanced core guarantor that terminal protects logic sending based on advanced core is received to ask
It asks；It protects and requests in response to advanced core, obtain supplemental information of insuring；The supplemental information that will insure and corresponding preset risk conditions carry out
It compares；When supplemental information of insuring does not meet corresponding risk conditions, then the advanced core that target declaration form belongs to risk declaration form is obtained
Protect result.
Wherein, it insures supplemental information, is that target declaration form is insured relevant information of more insuring involved in the stage.It is default
Risk conditions, be that pre-set there are the conditions of risk.For example, " insurer's educational background is lower than the average educational background in location
It is horizontal " illustrate that insurer's educational background is too low, there are certain risks, then the condition is preset risk conditions.
Specifically, server can protect request in response to the advanced core after receiving advanced core and protecting request, from database or
The supplemental information of insuring of the target declaration form is obtained in other equipment.Server can will insure supplemental information and corresponding preset wind
Dangerous condition is compared, and when supplemental information of insuring meets corresponding risk conditions, then obtains target declaration form and belongs to risk declaration form
Advanced core protect result.It is appreciated that then available target is protected when supplemental information of insuring does not meet corresponding risk conditions
The advanced core for singly belonging to non-risk declaration form protects result.
For example, the educational background that supplemental information of insuring is insurer is the average educational background in elementary age level and insurer location
Level is junior high school level.Assuming that preset risk conditions are " insurer's educational background is horizontal lower than the average educational background in location ", then
Illustrate that the educational background of insurer is horizontal horizontal lower than the average educational background in location, then explanation supplemental information of insuring meets corresponding risk
Condition then obtains advanced core guarantor's result that target declaration form belongs to risk declaration form.
In one embodiment, it includes that the advanced core of phone protects logic that advanced core, which protects logic,.In the present embodiment, in response to advanced
Core protects request, obtains supplemental information of insuring and includes：Request is protected in response to the advanced core of phone, calls telephone system in target declaration form
Insurer's phone dial, insured supplemental information by the acquisition of the telephone communication link established after dialing.It can manage
Solution is as obtained by telephone relation corresponding with target declaration form new by the supplemental information of insuring that telephone communication link obtains
Increase information of insuring, the as information of insuring of phone evidence obtaining.
In above-described embodiment, handle advanced core guarantor is carried out there are the target declaration form of risk, to do more various information
It verifies, to reduce the risk of target declaration form.
In one embodiment, risk processing logic includes that insurance coverage recommends logic；Risk is generated for target declaration form
Prompt information and push include：According to risk profile as a result, generating indicating risk information corresponding with target declaration form；Risk is mentioned
Show that information pushes to terminal；Indicating risk information is used to indicate terminal reception and pushes away corresponding to the insurance coverage of indicating risk information
Operational order is recommended, and triggers execution insurance coverage corresponding with insurance coverage recommendation operational order and recommends logic, to be insured
Project recommendation processing.
Wherein, insurance coverage recommends operational order, is used to indicate insurance coverage recommendation process.Insurance coverage recommendation process,
It is the processing recommended insurance coverage.
Specifically, server can according to risk profile as a result, generate corresponding with target declaration form indicating risk information, and
Indicating risk information is pushed into terminal.Indicating risk information can be carried out output displaying by terminal.User can be based on displaying
Indicating risk information carry out insurance coverage recommendation, with input for indicating risk information insurance coverage recommend operational order.
Terminal can recommend operational order triggering execution to recommend with insurance coverage in response to the insurance coverage, and operational order is corresponding to be insured
Project recommendation logic, to carry out insurance coverage recommendation process.
In one embodiment, terminal can recommend logic to issue insurance coverage recommendation request to service based on insurance coverage
Device.
In one embodiment, risk profile result includes the risk class of prediction.This method further includes：Receive terminal base
In the insurance coverage recommendation request that insurance coverage recommends logic to issue；In response to insurance coverage recommendation request, from target declaration form
The risk class of prediction is obtained in risk profile result；Insurance coverage is generated according to insurance coverage corresponding with risk class to recommend
Information simultaneously pushes.
Specifically, the corresponding relationship being previously provided in server between risk class and insurance coverage.Server is connecing
It, can be from the risk profile knot of target declaration form after receiving the insurance coverage recommendation request that terminal recommends logic to issue based on insurance coverage
The risk class of prediction is obtained in fruit, and according to the corresponding relationship between pre-set risk class and insurance coverage, is searched
Insurance coverage corresponding with the risk class of prediction.Server can generate corresponding insurance item according to the insurance coverage found
Mesh recommendation information.Insurance coverage recommendation information can be pushed to terminal by server, make terminal by insurance coverage recommendation information into
Row is shown.
In above-described embodiment, to there are the target declaration forms of risk to recommend more suitable insurance coverage, target guarantor is improved
The accuracy of single insurance coverage.
It should be understood that although each step in the flow chart of Fig. 2 to 3 is successively shown according to the instruction of arrow,
It is these steps is not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
There is no stringent sequences to limit for rapid execution, these steps can execute in other order.Moreover, in Fig. 2 to 3 at least
A part of step may include that perhaps these sub-steps of multiple stages or stage are not necessarily in same a period of time to multiple sub-steps
Quarter executes completion, but can execute at different times, the execution in these sub-steps or stage be sequentially also not necessarily according to
Secondary progress, but in turn or can replace at least part of the sub-step or stage of other steps or other steps
Ground executes.
In one embodiment, as shown in fig. 6, providing a seed nucleus protects processing unit 600, including：Acquisition module 602,
Risk profile module 604 and risk processing module 606, wherein：
Module 602 is obtained, is insured information for obtaining to the items of the target declaration form of core guarantor.
Risk profile module 604, for by risk forecast model by the items insure information carry out risk profile, obtain
It insures the individual event risk score of information to the items；The risk profile of target declaration form is determined according to each individual event risk score
As a result.
Risk processing module 606 determines that the target declaration form is risk declaration form according to the risk profile result for working as
When, then indicating risk information is generated for the target declaration form and push；The indicating risk information is used to indicate execution and institute
State the corresponding risk processing logic of indicating risk information.
In one embodiment, risk profile module 604 is also used to information input risk forecast model that items are insured, defeated
The corresponding risk factor of information of insuring out with items；Obtain every individual event regulation coefficient corresponding to information of insuring；Pass through items
Individual event regulation coefficient corresponding to information of insuring is adjusted corresponding risk factor, obtains the individual event wind of every information of insuring
Danger scoring.
In one embodiment, risk profile module 604 is also used to obtain items information of insuring and scores accordingly weight, will
The insure individual event risk score of information of items is weighted summation by corresponding scoring weight, obtains the risk general comment of target declaration form
Point；Or, each individual event risk score is directly summed, the risk overall score of target declaration form is obtained；By risk overall score with it is preset
Risk score threshold value is compared；According to comparison result, the risk profile result of target declaration form is determined.
In one embodiment, risk processing logic includes that advanced core protects logic.Risk processing module 606 is also used to basis
Risk profile is as a result, generate indicating risk information corresponding with target declaration form；Indicating risk information is pushed into terminal；Risk mentions
Show information, be used to indicate terminal receive correspond to indicating risk information advanced core protect operational order, and trigger execution with it is advanced
Core protects operational order, and advanced core protects logic accordingly, to carry out advanced core guarantor processing.
In one embodiment, which further includes：
Advanced core protects module 608, protects advanced core guarantor's request that logic issues based on advanced core for receiving terminal；In response to
Advanced core protects request, obtains supplemental information of insuring corresponding with target declaration form；The supplemental information that will insure and corresponding preset risk
Condition is compared；When supplemental information of insuring meets corresponding risk conditions, then obtains target declaration form and belong to risk declaration form
Advanced core protects result.
In one embodiment, risk processing logic includes that insurance coverage recommends logic.Risk processing module 606 is also used to
According to risk profile as a result, generating indicating risk information corresponding with target declaration form；Indicating risk information is pushed into terminal；Wind
Dangerous prompt information is used to indicate terminal and receives the insurance coverage recommendation operational order for corresponding to indicating risk information, and triggers and hold
Capable insurance coverage corresponding with insurance coverage recommendation operational order recommends logic, to carry out insurance coverage recommendation process.
As shown in fig. 7, in one embodiment, risk profile result includes the risk class of prediction.The device 600 also wraps
It includes：Advanced core protects module 608 and insurance coverage recommending module 610, wherein：
Insurance coverage recommending module 610 is pushed away for receiving the insurance coverage that terminal recommends logic to issue based on insurance coverage
Recommend request；In response to insurance coverage recommendation request, the risk class of prediction is obtained from the risk profile result of target declaration form；It presses
Insurance coverage recommendation information is generated according to insurance coverage corresponding with risk class and is pushed.
The specific of processing unit is protected about core and limits the restriction that may refer to protect processing method above for core, herein not
It repeats again.The modules that above-mentioned core is protected in processing unit can be realized fully or partially through software, hardware and combinations thereof.On
Stating each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also store in a software form
In memory in computer equipment, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 8.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment protects processing data for storing core.The network interface of the computer equipment is used to pass through with external terminal
Network connection communication.To realize that a seed nucleus protects processing method when the computer program is executed by processor.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 8.The computer equipment includes processor, memory and the network interface connected by system bus.
Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory of the computer equipment includes non-easy
The property lost storage medium, built-in storage.The non-volatile memory medium is stored with operating system and computer program.The built-in storage
Operation for operating system and computer program in non-volatile memory medium provides environment.The network of the computer equipment connects
Mouth with external terminal by network connection for being communicated.To realize a seed nucleus Bao Chu when computer program is executed by processor
Reason method.
It will be understood by those skilled in the art that structure shown in Fig. 8, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor realize following steps when executing computer program：The every of the target declaration form protected to core is obtained to throw
Breath information-preserving；Risk profile is carried out by items information of insuring by risk forecast model, obtains the individual event risk of every information of insuring
Scoring；The risk profile result of target declaration form is determined according to each individual event risk score；When determining target according to risk profile result
When declaration form is risk declaration form, then indicating risk information is generated for target declaration form and pushed；Indicating risk information, which is used to indicate, to be held
Row risk corresponding with indicating risk information handles logic.
In one embodiment, by risk forecast model by items insure information carry out risk profile, obtain every throwing
The individual event risk score of breath information-preserving includes：Items are insured information input risk forecast model, output and items are insured information phase
The risk factor answered；Obtain every individual event regulation coefficient corresponding to information of insuring；Pass through every list corresponding to information of insuring
Item regulation coefficient is adjusted corresponding risk factor, obtains the individual event risk score of every information of insuring.
In one embodiment, the risk profile result for determining target declaration form according to each individual event risk score includes：It obtains
Items information of insuring scores weight accordingly, and the insure individual event risk score of information of items is added by corresponding scoring weight
Power summation, obtains the risk overall score of target declaration form；Or, each individual event risk score is directly summed, the wind of target declaration form is obtained
Dangerous overall score；Risk overall score is compared with preset risk score threshold value；According to comparison result, target declaration form is determined
Risk profile result.
In one embodiment, risk processing logic includes that advanced core protects logic；Indicating risk is generated for target declaration form
Information and push include：According to risk profile as a result, generating indicating risk information corresponding with target declaration form；Indicating risk is believed
Breath pushes to terminal；Indicating risk information, the advanced core guarantor's operation for being used to indicate terminal reception corresponding to indicating risk information refer to
It enables, and triggers execution advanced core corresponding with advanced core guarantor's operational order and protect logic, to carry out advanced core guarantor processing.
In one embodiment, following steps are also realized when processor executes computer program：：Terminal is received based on advanced
Core protects the advanced core that logic issues and protects request；It protects and requests in response to advanced core, obtain supplement letter of insuring corresponding with target declaration form
Breath；The supplemental information that will insure is compared with corresponding preset risk conditions；When supplemental information of insuring meets corresponding risk item
When part, then advanced core guarantor's result that target declaration form belongs to risk declaration form is obtained.
In one embodiment, risk processing logic includes that insurance coverage recommends logic；Risk is generated for target declaration form
Prompt information and push include：According to risk profile as a result, generating indicating risk information corresponding with target declaration form；Risk is mentioned
Show that information pushes to terminal；Indicating risk information is used to indicate terminal reception and pushes away corresponding to the insurance coverage of indicating risk information
Operational order is recommended, and triggers execution insurance coverage corresponding with insurance coverage recommendation operational order and recommends logic, to be insured
Project recommendation processing.
In one embodiment, risk profile result includes the risk class of prediction；When processor executes computer program
Also realize following steps：Receive the insurance coverage recommendation request that terminal recommends logic to issue based on insurance coverage；In response to insurance
Project recommendation request, obtains the risk class of prediction from the risk profile result of target declaration form；According to corresponding with risk class
Insurance coverage generate and insurance coverage recommendation information and push.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program realizes following steps when being executed by processor：The items for obtaining the target declaration form protected to core are insured information；Pass through risk
Prediction model carries out risk profile by items information of insuring, and obtains the individual event risk score of every information of insuring；According to each individual event
Risk score determines the risk profile result of target declaration form；When according to risk profile result determine target declaration form be risk declaration form
When, then indicating risk information is generated for target declaration form and push；Indicating risk information is used to indicate execution and indicating risk is believed
Cease corresponding risk processing logic.
In one embodiment, by risk forecast model by items insure information carry out risk profile, obtain every throwing
The individual event risk score of breath information-preserving includes：Items are insured information input risk forecast model, output and items are insured information phase
The risk factor answered；Obtain every individual event regulation coefficient corresponding to information of insuring；Pass through every list corresponding to information of insuring
Item regulation coefficient is adjusted corresponding risk factor, obtains the individual event risk score of every information of insuring.
In one embodiment, the risk profile result for determining target declaration form according to each individual event risk score includes：It obtains
Items information of insuring scores weight accordingly, and the insure individual event risk score of information of items is added by corresponding scoring weight
Power summation, obtains the risk overall score of target declaration form；Or, each individual event risk score is directly summed, the wind of target declaration form is obtained
Dangerous overall score；Risk overall score is compared with preset risk score threshold value；According to comparison result, target declaration form is determined
Risk profile result.
In one embodiment, risk processing logic includes that advanced core protects logic；Indicating risk is generated for target declaration form
Information and push include：According to risk profile as a result, generating indicating risk information corresponding with target declaration form；Indicating risk is believed
Breath pushes to terminal；Indicating risk information, the advanced core guarantor's operation for being used to indicate terminal reception corresponding to indicating risk information refer to
It enables, and triggers execution advanced core corresponding with advanced core guarantor's operational order and protect logic, to carry out advanced core guarantor processing.
In one embodiment, following steps are also realized when processor executes computer program：：Terminal is received based on advanced
Core protects the advanced core that logic issues and protects request；It protects and requests in response to advanced core, obtain supplement letter of insuring corresponding with target declaration form
Breath；The supplemental information that will insure is compared with corresponding preset risk conditions；When supplemental information of insuring meets corresponding risk item
When part, then advanced core guarantor's result that target declaration form belongs to risk declaration form is obtained.
In one embodiment, risk processing logic includes that insurance coverage recommends logic；Risk is generated for target declaration form
Prompt information and push include：According to risk profile as a result, generating indicating risk information corresponding with target declaration form；Risk is mentioned
Show that information pushes to terminal；Indicating risk information is used to indicate terminal reception and pushes away corresponding to the insurance coverage of indicating risk information
Operational order is recommended, and triggers execution insurance coverage corresponding with insurance coverage recommendation operational order and recommends logic, to be insured
Project recommendation processing.
In one embodiment, risk profile result includes the risk class of prediction；When processor executes computer program
Also realize following steps：Receive the insurance coverage recommendation request that terminal recommends logic to issue based on insurance coverage；In response to insurance
Project recommendation request, obtains the risk class of prediction from the risk profile result of target declaration form；According to corresponding with risk class
Insurance coverage generate and insurance coverage recommendation information and push.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a seed nucleus protects processing method, the method includes：
The items for obtaining the target declaration form protected to core are insured information；
Risk profile is carried out by items information of insuring by risk forecast model, the items is obtained and insures the individual event of information
Risk score；
The risk profile result of target declaration form is determined according to each individual event risk score；
When determining that the target declaration form is risk declaration form according to the risk profile result, then
Indicating risk information is generated for the target declaration form and is pushed；The indicating risk information be used to indicate execution with it is described
The corresponding risk of indicating risk information handles logic.
2. the method according to claim 1, wherein described insured letter by risk forecast model by the items
Breath carries out risk profile, obtains the insure individual event risk score of information of the items and includes：
Items are insured information input risk forecast model, output and items are insured the corresponding risk factor of information；
Obtain every individual event regulation coefficient corresponding to information of insuring；
Corresponding risk factor is adjusted by every individual event regulation coefficient corresponding to information of insuring, items is obtained and insures
The individual event risk score of information.
3. the method according to claim 1, wherein described determine that target is protected according to each individual event risk score
Single risk profile result includes：
Items information of insuring is obtained to score accordingly weight, by items insure information individual event risk score by corresponding scoring power
It is weighted summation again, obtains the risk overall score of target declaration form；Or, each individual event risk score is directly summed, obtain
The risk overall score of target declaration form；
The risk overall score is compared with preset risk score threshold value；
According to comparison result, the risk profile result of target declaration form is determined.
4. according to the method in any one of claims 1 to 3, which is characterized in that the risk processing logic includes advanced
Core protects logic；It is described for the target declaration form generate indicating risk information and push include：
According to the risk profile as a result, generating indicating risk information corresponding with target declaration form；
The indicating risk information is pushed into terminal；The indicating risk information is used to indicate the terminal reception and corresponds to
The advanced core of the indicating risk information protects operational order, and triggers execution and the advanced core guarantor operational order is corresponding advanced
Core protects logic, to carry out advanced core guarantor processing.
5. according to the method described in claim 4, it is characterized in that, the method also includes：
It receives the terminal and advanced core guarantor's request that logic issues is protected based on the advanced core；
Request is protected in response to the advanced core, obtains supplemental information of insuring corresponding with target declaration form；
The supplemental information that will insure is compared with corresponding preset risk conditions；
When the supplemental information of insuring meets corresponding risk conditions, then obtain the target declaration form belong to risk declaration form into
Rank core protects result.
6. according to the method in any one of claims 1 to 3, which is characterized in that the risk processing logic includes insurance
Project recommendation logic；It is described for the target declaration form generate indicating risk information and push include：
According to the risk profile as a result, generating indicating risk information corresponding with target declaration form；
The indicating risk information is pushed into terminal；The indicating risk information is used to indicate the terminal reception and corresponds to
The insurance coverage of the indicating risk information recommends operational order, and triggers execution and recommend operational order phase with the insurance coverage
The insurance coverage answered recommends logic, to carry out insurance coverage recommendation process.
7. according to the method described in claim 6, it is characterized in that, the risk profile result includes the risk class of prediction；
The method also includes：
Receive the insurance coverage recommendation request that the terminal recommends logic to issue based on the insurance coverage；
In response to the insurance coverage recommendation request, the risk etc. of prediction is obtained from the risk profile result of the target declaration form
Grade；
Insurance coverage recommendation information is generated according to insurance coverage corresponding with the risk class and is pushed.
8. a seed nucleus protects processing unit, described device includes：
Module is obtained, is insured information for obtaining to the items of the target declaration form of core guarantor；
Risk profile module obtains described for carrying out risk profile by items information of insuring by risk forecast model
Items are insured the individual event risk score of information；The risk profile result of target declaration form is determined according to each individual event risk score；
Risk processing module, for when determining that the target declaration form is risk declaration form according to the risk profile result, then needle
Indicating risk information is generated to the target declaration form and is pushed；The indicating risk information is used to indicate execution and mentions with the risk
Show the corresponding risk processing logic of information.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810569035.5A CN108921707A (en) | 2018-06-05 | 2018-06-05 | Core protects processing method, device, computer equipment and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810569035.5A CN108921707A (en) | 2018-06-05 | 2018-06-05 | Core protects processing method, device, computer equipment and storage medium |
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| CN108921707A true CN108921707A (en) | 2018-11-30 |
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| CN110674617A (en) * | 2019-08-15 | 2020-01-10 | 阿里巴巴集团控股有限公司 | Disease display method and device in health check process |
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| CN111652746A (en) * | 2020-05-29 | 2020-09-11 | 泰康保险集团股份有限公司 | Information generation method and device, electronic equipment and storage medium |
| CN111652746B (en) * | 2020-05-29 | 2023-08-29 | 泰康保险集团股份有限公司 | Information generation method, device, electronic equipment and storage medium |
| CN112330474B (en) * | 2020-11-19 | 2023-10-31 | 中国平安财产保险股份有限公司 | Nuclear protection wind control monitoring method, device, equipment and storage medium |
| CN112330474A (en) * | 2020-11-19 | 2021-02-05 | 中国平安财产保险股份有限公司 | Nuclear protection wind control monitoring method, device, equipment and storage medium |
| CN112419077A (en) * | 2020-12-04 | 2021-02-26 | 上海商汤智能科技有限公司 | Data processing method and device, electronic equipment and storage medium |
| TWI829984B (en) * | 2020-12-08 | 2024-01-21 | 國泰人壽保險股份有限公司 | Methods and computer systems for constructing policy risk assessment models |
| CN112561714A (en) * | 2020-12-16 | 2021-03-26 | 中国平安人寿保险股份有限公司 | NLP technology-based underwriting risk prediction method and device and related equipment |
| CN112561714B (en) * | 2020-12-16 | 2024-03-08 | 中国平安人寿保险股份有限公司 | Nuclear protection risk prediction method and device based on NLP technology and related equipment |
| CN113537774A (en) * | 2021-07-16 | 2021-10-22 | 精英数智科技股份有限公司 | Method and system for detecting whether coal mine enterprise policy is valid |
| TWI819584B (en) * | 2022-04-28 | 2023-10-21 | 國泰人壽保險股份有限公司 | Insurance claims risk investigation methods and systems, computer-readable recording media |
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