CN107871284A - The appraisal procedure and device of risk Claims Resolution - Google Patents
The appraisal procedure and device of risk Claims Resolution Download PDFInfo
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- CN107871284A CN107871284A CN201711171504.XA CN201711171504A CN107871284A CN 107871284 A CN107871284 A CN 107871284A CN 201711171504 A CN201711171504 A CN 201711171504A CN 107871284 A CN107871284 A CN 107871284A
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Abstract
The invention discloses the appraisal procedure and device of a kind of risk Claims Resolution, it is related to a kind of technical field of data processing, main purpose is to solve the existing core person of speaking sarcastically in the examination ＆ verification for the case that settle a claim, pass through manual examination and verification, some excessive risk cases are easily missed, the problem of some economic losses are brought to insurance company.Main technical schemes：Obtain the Claims Resolution information and history policy information of insurant in Claims Resolution case；Logic parameter to be assessed in the Claims Resolution information and the history policy information is parsed, the logic parameter is used to react the situation that insurant participates in medical item in case of settling a claim；Matched according to the logic parameter with preset assessment logic, and count the assessment result of Claims Resolution case corresponding to the logic parameter, the preset logic of assessing is used to react the relation between Different Logic parameter and different assessment fractions.It is mainly used in the assessment of risk Claims Resolution.
Description
Technical field
The present invention relates to a kind of technical field of data processing, more particularly to the appraisal procedure and dress of a kind of Claims Resolution of risk
Put.
Background technology
After the generation of settlement of insurance claim case, the underwriter of insurance industry needs to carry out approval check and correction to Claims Resolution case, with
Just accurately settled a claim and reduce Claims Resolution case and carry out the Claims Resolution risk of band.Wherein, underwriter assesses to Claims Resolution case
During, including setting loss and core damage, after setting loss, the core person of speaking sarcastically audits to its working result, if without doubt,
This result can be agreed to, if had objection, will be retired, to prevent there is insurance fraud.
At present, the existing core person of speaking sarcastically is by manual examination and verification, by warrantee's when carrying out the examination ＆ verification of Claims Resolution case
Information of insuring manually is proofreaded with setting loss information, but for artificial check and correction examination ＆ verification, the cognition mark of each core person of speaking sarcastically
Accurate different from judgment principle, efficiency is different, and result can be caused different, and for the Claims Resolution of some Claims Resolution projects in settlement of insurance claim
Scope, some strict core persons of speaking sarcastically can refuse some cases that should be settled a claim, and some loose core persons of speaking sarcastically can agree to
Some cases that should not be settled a claim, this is allowed for, and easily misses some excessive risk cases, and some warps are brought to insurance company
Ji loss, if the same Claims Resolution case of more people check and correction can waste larger human resources again, therefore, manual examination and verification reduce Claims Resolution
The assessment efficiency of case.
The content of the invention
In view of this, the present invention provides the appraisal procedure and device of a kind of risk Claims Resolution, and main purpose is to solve existing
The core person of speaking sarcastically in the examination ＆ verification for the case that settle a claim, by manual examination and verification, easily miss some excessive risk cases, it is public to insurance
The problem of department brings some economic losses.
According to one aspect of the invention, there is provided a kind of appraisal procedure of risk Claims Resolution, including：
Obtain the Claims Resolution information and history policy information of insurant in Claims Resolution case；
Logic parameter to be assessed in the Claims Resolution information and the history policy information is parsed, the logic parameter is used for
Reaction insurant participates in the situation of medical item in case of settling a claim；
Matched according to the logic parameter with preset assessment logic, and count Claims Resolution case corresponding to the logic parameter
The assessment result of part, the preset logic of assessing are used to react the relation between Different Logic parameter and different assessment fractions.
Further, logic parameter bag to be assessed in the parsing settle a claim information and the history policy information
Include：
Extract it is described Claims Resolution information and the history policy information in number type, number type, charge type, attribute
Logic parameter corresponding to type difference；
Logic corresponding to judging the number type, the number type, the charge type, the attribute type respectively
Whether the numerical value of parameter is respectively greater than default higher limit, and/or less than default lower limit；
If less than default higher limit, and/or more than default lower limit, for the number type, described it is several classes of
Type, the charge type, the attribute type respectively corresponding to logic parameter configuration interval number, the interval number replaces for differentiation
Change parameter corresponding to preset assessment logical formula.
Further, it is described to be matched according to the logic parameter with preset assessment logic, and count the logic ginseng
The assessment result of Claims Resolution case includes corresponding to number：
According to preset assessment logical formula assessment corresponding to the logic parameter of the number type is calculated with different interval numbers
Fraction, the preset assessment logical formula areWherein i is interval number, and x is the numerical value of secondary several classes of logic parameter；With
And
According to preset assessment logical formula assessment corresponding to the logic parameter of the number type is calculated with different interval numbers
Fraction, the preset assessment logical formula areWherein i is interval number, and y is the numerical value of the logic parameter of number type；
And
According to preset assessment logical formula assessment corresponding to the logic parameter of the charge type is calculated with different interval numbers
Fraction, the preset assessment logical formula areWherein i is interval number, and z is the numerical value of the logic parameter of charge type；
And
According to preset assessment logical formula assessment corresponding to the logic parameter of the attribute type is calculated with different interval numbers
Fraction, the preset assessment logical formula areWherein i is interval number, and l is the numerical value of the logic parameter of attribute type；
According to default interval right weight vector, statistics obtains the number type, the number type, the expense class
The assessment result of fraction is assessed corresponding to type, the attribute type.
Further, methods described also includes：
According to different Claims Resolution product information generations interval right weight vector corresponding with Claims Resolution case, the interval right weight vector
Weights corresponding to middle charge type are respectively greater than number type, number type, weights corresponding to attribute type successively.
Further, it is described to be matched according to the logic parameter with preset assessment logic, and count the logic ginseng
After the assessment result of Claims Resolution case corresponding to number, methods described also includes：
By the assessment result compared with preset amount for which loss settled；
If comparative result, which is the assessment result, is more than 2/3rds of the preset amount for which loss settled, by the Claims Resolution case
Part is defined as risk Claims Resolution case, and sends warning information.
According to one aspect of the invention, there is provided a kind of apparatus for evaluating of risk Claims Resolution, including：
Acquiring unit, for obtaining the Claims Resolution information and history policy information of insurant in case of settling a claim；
Resolution unit, for parsing logic parameter to be assessed in the Claims Resolution information and the history policy information, institute
Logic parameter is stated to be used to react the situation that insurant participates in medical item in case of settling a claim；
Statistic unit, for being matched according to the logic parameter with preset assessment logic, and count the logic ginseng
The assessment result of Claims Resolution case corresponding to number, the preset assessment logic are used to react Different Logic parameter and different assessment fractions
Between relation.
Further, the resolution unit includes：
Extraction module, for extract it is described Claims Resolution information and the history policy information in number type, number type,
Logic parameter corresponding to charge type, attribute type difference；
Judge module, for judging the number type, the number type, the charge type, the attribute type
Whether the numerical value of logic parameter corresponding to respectively is respectively greater than default higher limit, and/or less than default lower limit；
Configuration module, if judging the number type, the number type, the charge type, institute for judge module
The numerical value for stating attribute type corresponding logic parameter respectively is respectively smaller than default higher limit, and/or more than default lower limit,
It is then the number type, logic parameter configuration corresponding to the number type, the charge type, the attribute type difference
Interval number, the interval number, which is used to distinguish, replaces parameter corresponding to preset assessment logical formula.
Further, the statistic unit includes：
Computing module, the logic for calculating the number type with different interval numbers according to preset assessment logical formula are joined
Fraction is assessed corresponding to number, the preset assessment logical formula isWherein i is interval number, and x is that time several classes of logic is joined
Several numerical value；And
The computing module, it is additionally operable to calculate the number type according to preset assessment logical formula with different interval numbers
Fraction is assessed corresponding to logic parameter, the preset assessment logical formula isWherein i is interval number, and y is number type
Logic parameter numerical value；And
The computing module, it is additionally operable to calculate the charge type according to preset assessment logical formula with different interval numbers
Fraction is assessed corresponding to logic parameter, the preset assessment logical formula isWherein i is interval number, and z is charge type
Logic parameter numerical value；And
The computing module, it is additionally operable to calculate the attribute type according to preset assessment logical formula with different interval numbers
Fraction is assessed corresponding to logic parameter, the preset assessment logical formula isWherein i is interval number, and l is attribute type
Logic parameter numerical value；
Statistical module, for according to default interval right weight vector, statistics obtains the number type, described several classes of
The assessment result of fraction is assessed corresponding to type, the charge type, the attribute type.
Further, described device also includes：
Generation unit, for according to different Claims Resolution product information generations interval right weight vector corresponding with Claims Resolution case, institute
Stating weights corresponding to charge type in interval right weight vector, respectively greater than number type, number type, attribute type are corresponding successively
Weights.
Further, described device also includes：
Comparing unit, for by the assessment result compared with preset amount for which loss settled；
Determining unit, if being that the assessment result is more than 2/3rds of the preset amount for which loss settled for comparative result,
The Claims Resolution case is then defined as risk Claims Resolution case, and sends warning information.
According to another aspect of the invention, there is provided a kind of storage medium, being stored with least one in the storage medium can
Execute instruction, the executable instruction make computing device be operated as corresponding to the appraisal procedure that above-mentioned risk is settled a claim.
In accordance with a further aspect of the present invention, there is provided a kind of server, including：Processor, memory, communication interface and logical
Believe bus, the processor, the memory and the communication interface complete mutual communication by the communication bus；
The memory is used to deposit an at least executable instruction, and the executable instruction makes the computing device above-mentioned
Operated corresponding to the appraisal procedure of risk Claims Resolution.
By above-mentioned technical proposal, technical scheme provided in an embodiment of the present invention at least has following advantages：
The invention provides the appraisal procedure and device of a kind of risk Claims Resolution, obtains insurant in Claims Resolution case first
Information of settling a claim and history policy information, then parse logic ginseng to be assessed in the Claims Resolution information and the history policy information
Number, the logic parameter are used to react the situation that insurant participates in medical item in case of settling a claim, then patrolled according to
Collect parameter to be matched with preset assessment logic, and count the assessment result of Claims Resolution case corresponding to the logic parameter, it is described
Preset logic of assessing is used to react the relation between Different Logic parameter and different assessment fractions.Entering with the existing core person of speaking sarcastically
During the examination ＆ verification of row Claims Resolution case, all it is by manual examination and verification, easily misses some excessive risk cases and compare, the embodiment of the present invention is led to
Cross and the logic parameter related to Claims Resolution case is parsed according to Claims Resolution information and history policy information, by logic parameter with commenting in advance
Estimate logic to be matched, obtain assessment result, realize that computer calculates assessment result automatically, without manual operation, it is ensured that be every
Individual Claims Resolution case is assessed according to a standard, so as to improve the efficiency that Claims Resolution case is assessed.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And can be practiced according to the content of specification, and in order to allow above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by the embodiment of the present invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, it is various other the advantages of and benefit it is common for this area
Technical staff will be clear understanding.Accompanying drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And in whole accompanying drawing, identical part is denoted by the same reference numerals.In the accompanying drawings：
Fig. 1 shows a kind of appraisal procedure flow chart of risk Claims Resolution provided in an embodiment of the present invention；
Fig. 2 shows the appraisal procedure flow chart of another risk Claims Resolution provided in an embodiment of the present invention；
Fig. 3 shows a kind of apparatus for evaluating block diagram of risk Claims Resolution provided in an embodiment of the present invention；
Fig. 4 shows the apparatus for evaluating block diagram of another risk Claims Resolution provided in an embodiment of the present invention；
Fig. 5 shows a kind of server architecture schematic diagram provided in an embodiment of the present invention.
Embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in accompanying drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
The embodiments of the invention provide a kind of appraisal procedure of risk Claims Resolution, as shown in figure 1, methods described includes：
101st, the Claims Resolution information and history policy information of insurant in Claims Resolution case is obtained.
Wherein, the insurant refers to according to the insurance contract to come into force that after insurance risk generation enjoying insurance money please
Ask the people of power, the Claims Resolution case is insurant there occurs case caused by the insuring agreement of defined in product of insuring,
The Claims Resolution information is accident insurance including insurant caused all information, product of such as insuring in case of settling a claim, then sends out
A series of information such as the treatment information produced after raw unexpected time, the unexpected origin of an incident of generation, generation accident in fixed hospital,
The embodiment of the present invention is not specifically limited.The history policy information is insurant from initial time of insuring to current slot
In on all information caused by product of insuring, product of such as insuring, the standard premium for product of insuring, by insurer when coming into force
Between, time expiration, the time of accepting insurance, the application time, if Claims Resolution case be present, include settle a claim the compensation amount of money of case, Claims Resolution case
Origin of an incident caused by part etc., the embodiment of the present invention is not specifically limited.
The artificial people for delivering premium it should be noted that client when being insured, insures, insurer may with warrantee
One same people, it is also possible to it is not same people, an insurer can be that more people are insured, i.e., when client insures, a throwing
Protect client and generate a declaration form, a corresponding number of policy, insured in this declaration form artificially all warrantees that include insuring
Information, each warrantee generates point single, one point of odd numbers of correspondence, in the embodiment of the present invention, if insurant
Policy information can think single policy information, or point single information corresponding to insurant, the embodiment of the present invention is not
It is specifically limited.In addition, insurant, after case of settling a claim is produced, Claims Resolution information can all preserve, and finally give history
Policy information, also, because each insurant corresponds to a number of policy, therefore, can be gone through by number of policy to get
History policy information.
102nd, logic parameter to be assessed in the Claims Resolution information and the history policy information is parsed.
Wherein, the logic parameter is used to react the situation that insurant participates in medical item in case of settling a claim, due to
Meaning existing for insurance company is exactly to carry out risk Claims Resolution for client, and in particular in health insurance product, client is occurring
After case of settling a claim, the treatment for carrying out certain medical item is typically may require that, insurance company will compensate these medical item institutes
Caused expense, but the generation of substantial amounts of medical item may not be the scope that should be settled a claim both for insurance products
It is interior, it is necessary to which that the situation that medical item is participated in insurant in Claims Resolution event and policy information is assessed, therefore, described to patrol
Volume parameter can include insurant and participate in the information such as time of medical item, number, content, expense, such as one month (this+
All case states of history) within same disease physician office visits (once go to a doctor：Same hospital on the same day), within one month (this
All case states of secondary+history) medical hospital's quantity, (this+all case states of history) medical disease number within one month
Amount, this time anomaly of being in danger (away from my) declaration form entry-into-force time, this time anomaly of being in danger (away from my) declaration form end time,
This treatment be overseas medical (hospital's attribute), this outpatient clinic time, (should at all case state mutual exclusion rule sieves of history
Insurant), public, physical treatment (charge type) expense (with hospital) is private (with hospital) for physical treatment (charge type) expense
Vertical, Chinese traditional treatment expense, Chinese traditional treatment number (physician office visits：Same hospital on the same day), Chinese herbal medicine single expense, hospitalization cost
Whether middle inspection survey fees are accounted for the accounting of total cost, (are clearly arrived using medical insurance card (social security bill), with the presence or absence of Third-party payment
Field in bill), history case Eization (wechat, APP) Claims Resolution request times, history case Eization Claims Resolution application the amount of money (tire out
Meter), length of stay (single), the public outpatient service application amount of money (high-end), the private outpatient service application amount of money (high-end), public be in hospital apply
The amount of money (high-end), the private application amount of money of being in hospital：(high-end) plus guarantor person account for downpayment personnel's accounting, the downpayment throwing of surrender number accounting
Guarantor's number, core protect option be MHD and the downpayment number of insuring of declaration form, declaration form only have responsibility of being in hospital group (high-end, per capita premium),
Core protects the downpayment number of insuring that option is non-MHD declaration forms and declaration form, and the embodiment of the present invention is not specifically limited.
It should be noted that because content corresponding to these logic parameters and data are stored in database, parsing
During these logic parameters, it can be identified by the storage of parameters in settle a claim information and history policy information corresponding to extract
Logic parameter, specific data corresponding to these parameters are then parsed, (high-end) such as public outpatient service application amount of money is 5000 yuan.
103rd, matched according to the logic parameter with preset assessment logic, and count and managed corresponding to the logic parameter
Pay for the assessment result of case.
Wherein, the preset logic of assessing is used to react the relation between Different Logic parameter and different assessment fractions, institute
It is the fraction that each logic parameter is evaluated that fraction is estimated in commentary, in general, and the data of each logic parameter can divide
Fraction range, to determine fraction according to the content in each scope, for example, logic parameter for one month (this+history institute
Have case state) within same disease physician office visits (once go to a doctor：Same hospital on the same day), the logic parameter parsed is corresponding
Data be 3 times, it is for 1 time 2 points that the fraction range of corresponding logic parameter, which is respectively, is for 2 or 3 times 3 points, is for 4 times 4 points, 5 times with
Upper is 5 points.The risk of the higher explanation Claims Resolution case of score value is higher, however, due to not only including number type in logic parameter
Parameter also includes the parameter of the type such as number, expense, attribute, division scope corresponding to the data of logic parameter in each type
It is different, it is therefore desirable to according to the score value of all logic parameters come statistical estimation result, so as to staff by assessment result come
It is determined that currently whether Claims Resolution case is dangerous Claims Resolution case.
It should be noted that needing to be counted after the fraction that each logic parameter obtains, can be calculated again for summation flat
Average, then judges whether this average value exceedes specific value-at-risk, if being defined as risk Claims Resolution case more than if, to technology
Personnel carry out early warning.
The invention provides a kind of appraisal procedure of risk Claims Resolution, and the careful of case of settling a claim is being carried out with the existing core person of speaking sarcastically
During core, all it is by manual examination and verification, easily misses some excessive risk cases and compare, the embodiment of the present invention passes through according to Claims Resolution information
And history policy information parses the logic parameter related to Claims Resolution case, by logic parameter and preset assessment logic progress
Match somebody with somebody, obtain assessment result, realize that computer calculates assessment result automatically, without manual operation, it is ensured that each Claims Resolution case is pressed
Assessed according to a standard, so as to improve the efficiency that Claims Resolution case is assessed.
The embodiments of the invention provide the appraisal procedure of another risk Claims Resolution, as shown in Fig. 2 methods described includes：
201st, the Claims Resolution information and history policy information of insurant in Claims Resolution case is obtained.
This step is identical with step 102 method shown in Fig. 1, will not be repeated here.
202nd, extract it is described Claims Resolution information and the history policy information in number type, number type, charge type,
Logic parameter corresponding to attribute type difference.
It is all due to can all include in not all Claims Resolution event and history policy information for the embodiment of the present invention
Logic parameter, also, the data in logic parameter are also not necessarily all specific numerical value, such as logic parameter whether to use medical insurance
Block (social security bill), corresponding data are " yes/no ", it is therefore desirable to classified types are carried out to logic parameter, to be patrolled in basis
When collecting parameter evaluation fraction, accurately scoring.For example, number type can include one month (this+all case shapes of history
State) within same disease physician office visits (once go to a doctor：Same hospital on the same day), Chinese traditional treatment number (physician office visits：On the same day
Same hospital), history case Eization (wechat, APP) Claims Resolution request times, number type within one month (this+history institute
Having case state) medical hospital's quantity, (this+all case states of history) medical disease quantity within one month, this goes out
Dangerous time anomaly (away from my), this time anomaly of being in danger (away from my), length of stay declaration form entry-into-force time declaration form end time
(single), core guarantor's option are MHD and the downpayment number of insuring of declaration form, core protect the downpayment insurer that option is non-MHD declaration forms and declaration form
Number, charge type be physical treatment (charge type) expense (with hospital) public, physical treatment (charge type) expense (with doctor
Institute) private, Chinese traditional treatment expense, Chinese herbal medicine single expense, history case Eization Claims Resolution applies for the amount of money (accumulative), public outpatient service Shen
Please the amount of money (high-end), the private outpatient service application amount of money (high-end), the public application amount of money (high-end) of being in hospital, the private application amount of money of being in hospital：
(high-end), declaration form only have the group (high-end, per capita premium) for responsibility of being in hospital, and attribute type is overseas medical (doctor for this treatment
Property under the institute), this outpatient clinic time, (insurant) at all case state mutual exclusion rule sieves of history, whether use doctor
Protect card (social security bill), downpayment personnel's accounting is accounted for the presence or absence of Third-party payment (clearly to the field in bill) plus guarantor person,
The downpayment number of insuring of surrender number accounting, the embodiment of the present invention are not specifically limited.In general, logic parameter in database with
The forms such as field are stored, and in order to accurately extract different types of logic parameter, can search different type logic parameter
Storage mark, to simplify extraction step.
203rd, corresponding to judging the number type, the number type, the charge type, the attribute type respectively
Whether the numerical value of logic parameter is respectively greater than default higher limit, and/or less than default lower limit.
For the embodiment of the present invention, in order to avoid there is serious distortion situation, it is necessary to set in the data in logic parameter
One higher limit and/or lower limit, to determine that the data of current logic parameter can be used to assess Claims Resolution risk,
The default higher limit, and/or lower limit be technical staff according to different types of logic parameter numerical value set in advance,
Such as, the logic parameter of number type is the default of (this+all case states of history) medical hospital's quantity within one month
Higher limit is 8, when occur insurant settle a claim gone to a doctor in one month in information the number of hospital quantity be 10 when, more than default
Higher limit, the medical hospital data for insurant is substantially irrational, it is necessary to the underwriter for case of being settled a claim to processing
Carry out early warning.
If the 204, being less than default higher limit, and/or more than default lower limit, for the number type, described
Several classes of types, the charge type, the attribute type respectively corresponding to logic parameter configuration interval number.
Wherein, the interval number, which is used to distinguish, replaces parameter corresponding to preset assessment logical formula, due to different types of
When assessing fraction using preset assessment logical formula, data corresponding to each logic parameter need to replace with formula logic parameter
In can be with the numerical value of matching primitives, therefore, it is necessary to carry out demarcation interval number to each logic parameter, it is preferred that it is number type, individual
Several classes of types, the logic parameter of charge type can be divided into 5 interval numbers, wherein, for number, number type in settlement of insurance claim
Judge to settle a claim in case risk importance to be secondary important, number type, each interval number of number type are respectively 1,2,3,4,
5, the importance of Claims Resolution risk is judged in settlement of insurance claim case for charge type to be most important, each interval number of charge type
Respectively 6,7,8,9,10, the importance of Claims Resolution risk is judged in settlement of insurance claim case for attribute type to be inessential, then
The each interval number of attribute type is respectively 0,1,2,0,0, and e.g., attribute type logic parameter is whether to use medical insurance card (social security account
It is single), data are respectively " be with no ", and the interval number for "Yes" is 0, and the interval number for "No" is 2；Number Type logic is joined
Number is this time anomaly of being in danger (away from my) declaration form entry-into-force time, data be respectively " more than 7 months, 5-6 months, 3-4 it is individual
Month, 1-2 months, within 1 month ", the interval number of " more than 7 months " is 1, the like, charge type logic parameter is the traditional Chinese medical science
Medical expense, data are respectively " 0-300,300-500,500-700,700-900, more than 900 ", and " 0-300, " interval number is divided into
6, the like, the embodiment of the present invention is not specifically limited.By distributing interval number for different types of logic parameter, by difference
The logic parameter of data is converted into the parameter that can be replaced in preset assessment logical formula, to carry out formula operation.
It should be noted that the appraisal procedure of current risk Claims Resolution can be embedded in arbitrarily in the form of a computing module
In one insurance management system, to be attached with the database for being stored with policy holder's information, data are obtained to be counted
Calculate.In addition, the interval number for needing to configure in current 204 step can be pre-configured with the system cache, it is to be assessed when receiving
Each logic parameter when, determine the interval number of logic parameter according to the specific data of logic parameter, specific program compiling
The embodiment of the present invention is not specifically limited.
For the embodiment of the present invention, if more than default higher limit, and/or less than default lower limit, patrolled described
Reporting parameters are collected to display interface, do not carry out computing as the parameter in default assessment logical formula.
205a, calculated with different interval numbers corresponding to the logic parameter of the number type according to preset assessment logical formula
Assess fraction.
Wherein, the preset assessment logical formula isWherein i is interval number, and x is the logic parameter of number type
Numerical value.For example, logic parameter is the public application amount of money (high-end) of being in hospital, the client 1 found from database is in Claims Resolution thing
Expense in part and history policy information is 25000 yuan, the interval number according to corresponding to type is charge type, determines current logic
The interval number of parameter is 8, and 25000 and 8 are brought into and carry out obtaining assessing fraction in preset assessment logical formula being about 76.In order to carry
The accuracy of height Claims Resolution case risk assessment assesses fraction, it is necessary to calculate each logic parameter, so as to all according to combining
Logic parameter scores to determine to settle a claim the risk of case.
It should be noted that preset assessment logical formula is stored in computing module with form of program code, and starting
During calculation procedure, computing directly is carried out according to each logic parameter, obtains the assessment fraction of all logic parameters.
For the embodiment of the present invention, from 205b that step 205a is arranged side by side, according to preset assessment logical formula with different sections
Number, which calculates, assesses fraction corresponding to the logic parameter of the number type.
Wherein, the preset assessment logical formula isWherein i is interval number, and y is the logic parameter of number type
Numerical value.Step 205b is identical with the specific implementations of step 205a, is no longer repeated.
For the embodiment of the present invention, from 205c that step 205a is arranged side by side, according to preset assessment logical formula with different sections
Number, which calculates, assesses fraction corresponding to the logic parameter of the charge type.
Wherein, the preset assessment logical formula isWherein i is interval number, and z is the logic parameter of charge type
Numerical value.Step 205c is identical with the specific implementations of step 205a, is no longer repeated.
For the embodiment of the present invention, from 205d that step 205a is arranged side by side, according to preset assessment logical formula with different sections
Number, which calculates, assesses fraction corresponding to the logic parameter of the attribute type.
Wherein, the preset assessment logical formula isWherein i is interval number, and l is the logic parameter of attribute type
Numerical value.Step 205d is identical with the specific implementations of step 205a, is no longer repeated.
206th, the number type, the number type, the expense are obtained according to default interval right weight vector, statistics
The assessment result of fraction is assessed corresponding to type, the attribute type.
It is that the logic parameter configuration section of each type is full-time to be lifted again to Evaluated effect, it is described default
Interval right weight vector be a vector, e.g., a=[a1, a2, a3, a4], a1 are weights, a2 corresponding to charge type interval number
For weights corresponding to number type interval number, a3 is weights corresponding to number type interval number, and a4 is attribute type interval number pair
The weights answered, wherein it is possible to according to the underwriter of Claims Resolution case to different interval numbers in assessment to the accuracy of assessment result
Influence, a1 in weight vector etc. is defined as column vector, i.e. it can be 1 column vector to represent an a1, include 5 sections
Weights corresponding to number difference, it is preferred that the concrete numerical value of weights is identical with the magnitude numerical value of interval number, i.e., each logic parameter
Assessing fraction needs interval number identical weights multiplication summation corresponding with each logic parameter to obtain assessment result, the present invention
Embodiment is not specifically limited.The default interval right weight vector of in general can be managed by the underwriter of insurance company according to history
Pay for what risk data was determined, the embodiment of the present invention is not specifically limited.In addition, the mode of statistics is to join each logic
Fraction is assessed corresponding to number and carries out the summation that is multiplied with interval right weight vector, an assessment result is obtained, to be compared.
Further, before step 206, the embodiment of the present invention also includes：According to different Claims Resolution product information generations and reason
Interval right weight vector corresponding to case is paid for, weights corresponding to charge type are respectively greater than number successively in the interval right weight vector
Type, number type, weights corresponding to attribute type.
Wherein, due to insurance company for settle a claim case risk assessment emphasis still based on expense, therefore, weights
Size order is followed successively by a1>a2>a3>a4.Further, since different insurance products are caused in case of settling a claim to settle a claim effect not
Together, risk of being settled a claim as corresponding to wholesale insures corresponding Claims Resolution Hazard ratio petty insurance is much bigger.In general, when there is interval number
It has matched, but not meet a1>a2>a3>During a4 situation, it can be produced according to the Claims Resolution in Claims Resolution case or history policy information
Other are vectorial as reference to be defined as interval right weight in devoid of risk Claims Resolution case for acquisition of information corresponding to product, directly produce corresponding
Interval right weight vector, the embodiment of the present invention is not specifically limited, and without artificial matching, reduces manual operation, cost-effective.
207th, by the assessment result compared with preset amount for which loss settled.
It should be noted that by preset assessment logical formula, can be by the data of each logic parameter directly with the amount of money
Form is converted, i.e. preset assessment logical formula is as the amount of money form that all types of data are converted into certain section
Data, in order to which insurance company is compared to the amount for which loss settled paid close attention to the most in Claims Resolution case, determine whether as risk
Claims Resolution case.Wherein, preset amount for which loss settled is the maximum amount of money that should be compensated in different Claims Resolution products, and the embodiment of the present invention is not done
It is specific to limit.
The 208th, if comparative result is that the assessment result is more than 2/3rds of the preset amount for which loss settled, by the reason
Pay for case and be defined as risk Claims Resolution case, and send warning information.
In order that the assessment result calculated can accurately determine whether to settle a claim case for risk, if more than 2/3rds
Setting can accurately be defined as risk Claims Resolution case, and send early warning to underwriter, so as to underwriter carry out it is next
Step examination ＆ verification, if no more than 2/3rds of preset amount for which loss settled, current case of settling a claim no longer is examined for normal Claims Resolution case
Core, the step of to reduce artificial processing, so as to improve the efficiency that risk Claims Resolution case is assessed.
The invention provides the appraisal procedure of another risk Claims Resolution, the embodiment of the present invention according to Claims Resolution by information and going through
History policy information parses the logic parameter related to Claims Resolution case, is patrolled after logic parameter is configured into interval number as preset assessment
The parameter for collecting formula carries out computing, obtains the assessment fraction of each logic parameter, by weight computing, counts assessment result,
Compared with preset amount for which loss settled, determine whether for risk settle a claim case, realize that computer calculates assessment result automatically, without
Manual operation, it is ensured that each Claims Resolution case is assessed according to a standard, also, the data of all logic parameters are led to
Cross preset assessment logical formula to be converted in a manner of the amount of money, realize and the different numerical value in case of settling a claim are converted into amount of money shape
Formula is come the purpose that compares, so as to improve the efficiency that Claims Resolution case is assessed.
Further, as the realization to method shown in above-mentioned Fig. 1, the embodiments of the invention provide a kind of Claims Resolution of risk
Apparatus for evaluating, as shown in figure 3, the device includes：Acquiring unit 31, resolution unit 32, statistic unit 33.
Acquiring unit 31, for obtaining the Claims Resolution information and history policy information of insurant in case of settling a claim；It is described to obtain
Take unit 31 to be performed for the apparatus for evaluating of risk Claims Resolution and obtain the Claims Resolution information of insurant and history declaration form letter in Claims Resolution case
The functional module of breath.
Resolution unit 32, for parsing logic parameter to be assessed in the Claims Resolution information and the history policy information,
The logic parameter is used to react the situation that insurant participates in medical item in case of settling a claim；The resolution unit 32 is wind
The apparatus for evaluating nearly settled a claim performs the work(of logic parameter to be assessed in the parsing Claims Resolution information and the history policy information
Can module.
Statistic unit 33, for being matched according to the logic parameter with preset assessment logic, and count the logic
The assessment result of Claims Resolution case corresponding to parameter, the preset assessment logic are used to react Different Logic parameter and different assessments point
Relation between number.The statistic unit 33 is that the apparatus for evaluating of risk Claims Resolution is performed according to the logic parameter and preset assessment
Logic is matched, and counts the functional module of the assessment result of Claims Resolution case corresponding to the logic parameter.
The invention provides a kind of apparatus for evaluating of risk Claims Resolution, and the careful of case of settling a claim is being carried out with the existing core person of speaking sarcastically
During core, all it is by manual examination and verification, easily misses some excessive risk cases and compare, the embodiment of the present invention passes through according to Claims Resolution information
And history policy information parses the logic parameter related to Claims Resolution case, by logic parameter and preset assessment logic progress
Match somebody with somebody, obtain assessment result, realize that computer calculates assessment result automatically, without manual operation, it is ensured that each Claims Resolution case is pressed
Assessed according to a standard, so as to improve the efficiency that Claims Resolution case is assessed.
Further, as the realization to method shown in above-mentioned Fig. 2, the embodiments of the invention provide the Claims Resolution of another risk
Apparatus for evaluating, as shown in figure 4, the device includes：Acquiring unit 41, resolution unit 42, statistic unit 43, generation unit 44,
Comparing unit 45, determining unit 46.
Acquiring unit 41, for obtaining the Claims Resolution information and history policy information of insurant in case of settling a claim；
Resolution unit 42, for parsing logic parameter to be assessed in the Claims Resolution information and the history policy information,
The logic parameter is used to react the situation that insurant participates in medical item in case of settling a claim；
Statistic unit 43, for being matched according to the logic parameter with preset assessment logic, and count the logic
The assessment result of Claims Resolution case corresponding to parameter, the preset assessment logic are used to react Different Logic parameter and different assessments point
Relation between number.
Specifically, the resolution unit 42 includes：
Extraction module 4201, for extract it is described Claims Resolution information and the history policy information in number type, number
Type, charge type, attribute type respectively corresponding to logic parameter；
Judge module 4202, for judging the number type, the number type, the charge type, the attribute
Whether the numerical value of logic parameter corresponding to type difference is respectively greater than default higher limit, and/or less than default lower limit；
Configuration module 4203, if judging the number type, the number type, the expense for judge module 4202
The numerical value of type, the attribute type corresponding logic parameter respectively is respectively smaller than default higher limit, and/or more than default
Lower limit is then the number type, logic corresponding to the number type, the charge type, the attribute type difference
Parameter configuration interval number, the interval number, which is used to distinguish, replaces parameter corresponding to preset assessment logical formula.
Specifically, the statistic unit 43 includes：
Computing module 4301, for for calculating the number type according to preset assessment logical formula with different interval numbers
Logic parameter corresponding to assess fraction, it is described it is preset assessment logical formula beWherein i is interval number, and x is secondary several classes of
Logic parameter numerical value；And
The computing module 4301, it is additionally operable to several classes of with described of different interval numbers calculating according to preset assessment logical formula
Fraction is assessed corresponding to the logic parameter of type, the preset assessment logical formula isWherein i is interval number, and y is number
The numerical value of the logic parameter of type；And
The computing module 4301, it is additionally operable to calculate the expense class according to preset assessment logical formula with different interval numbers
Fraction is assessed corresponding to the logic parameter of type, the preset assessment logical formula isWherein i is interval number, and z is expense
The numerical value of the logic parameter of type；And
The computing module 4301, it is additionally operable to calculate the Attribute class according to preset assessment logical formula with different interval numbers
Fraction is assessed corresponding to the logic parameter of type, the preset assessment logical formula isWherein i is interval number, and l is attribute
The numerical value of the logic parameter of type；
Statistical module 4302, for obtaining the number type, the number according to default interval right weight vector, statistics
The assessment result of fraction is assessed corresponding to type, the charge type, the attribute type.
Further, described device also includes：
Generation unit 44, for vectorial according to different Claims Resolution product information generations interval right weight corresponding with Claims Resolution case,
Weights corresponding to charge type are respectively greater than number type, number type, attribute type pair successively in the interval right weight vector
The weights answered.
Further, described device also includes：
Comparing unit 45, for by the assessment result compared with preset amount for which loss settled；
Determining unit 46, if for comparative result be the assessment result be more than the preset amount for which loss settled three/
Two, then the Claims Resolution case is defined as risk Claims Resolution case, and send warning information.
The invention provides the apparatus for evaluating of another risk Claims Resolution, the embodiment of the present invention according to Claims Resolution by information and going through
History policy information parses the logic parameter related to Claims Resolution case, is patrolled after logic parameter is configured into interval number as preset assessment
The parameter for collecting formula carries out computing, obtains the assessment fraction of each logic parameter, by weight computing, counts assessment result,
Compared with preset amount for which loss settled, determine whether for risk settle a claim case, realize that computer calculates assessment result automatically, without
Manual operation, it is ensured that each Claims Resolution case is assessed according to a standard, also, the data of all logic parameters are led to
Cross preset assessment logical formula to be converted in a manner of the amount of money, realize and the different numerical value in case of settling a claim are converted into amount of money shape
Formula is come the purpose that compares, so as to improve the efficiency that Claims Resolution case is assessed.
Based on above-mentioned method as shown in Figure 1, accordingly, the embodiment of the present invention additionally provides a kind of computer-readable storage medium
Matter, computer program is stored thereon with, the program realizes following steps when being executed by processor：Obtain and insured in Claims Resolution case
The Claims Resolution information and history policy information of people；Parse logic ginseng to be assessed in the Claims Resolution information and the history policy information
Number, the logic parameter are used to react the situation that insurant participates in medical item in case of settling a claim；Joined according to the logic
Number is matched with preset assessment logic, and counts the assessment result of Claims Resolution case corresponding to the logic parameter, described preset
Logic is assessed to be used to react the relation between Different Logic parameter and different assessment fractions.
As shown in figure 5, the server can include：Processor (processor) 51, communication interface
(Communications Interface) 52, memory (memory) 53 and communication bus 54.Wherein：Processor 51, lead to
Letter interface 52 and memory 53 complete mutual communication by communication bus 54.Communication interface 54, is used for and miscellaneous equipment
Such as the network element communication of client or other servers etc..Processor 51, for configuration processor, it can specifically perform above-mentioned application
Correlation step in the method for testing embodiment of program.Specifically, program can include program code, and the program code includes meter
Calculation machine operational order.Processor 51 is probably central processor CPU, or specific integrated circuit ASIC (Application
Specific Integrated Circuit), or it is arranged to implement the integrated electricity of one or more of the embodiment of the present invention
Road.
The one or more processors that terminal includes, can be same type of processor, such as one or more CPU；
Can be different types of processor, such as one or more CPU and one or more ASIC.Memory 53, for depositing journey
Sequence.Memory 53 may include high-speed RAM memory, it is also possible to also including nonvolatile memory (non-volatile
Memory), a for example, at least magnetic disk storage.Program specifically can be used for so that processor 51 performs following operation：Obtain
The Claims Resolution information and history policy information of insurant in case of settling a claim；Parse the Claims Resolution information and the history policy information
In logic parameter to be assessed, the logic parameter is used to react the feelings that insurant participates in medical item in case of settling a claim
Condition；Matched according to the logic parameter with preset assessment logic, and count Claims Resolution case corresponding to the logic parameter
Assessment result, the preset logic of assessing are used to react the relation between Different Logic parameter and different assessment fractions.
Algorithm and display be not inherently related to any certain computer, virtual system or miscellaneous equipment provided herein.
Various general-purpose systems can also be used together with teaching based on this.As described above, required by constructing this kind of system
Structure be obvious.In addition, the present invention is not also directed to any certain programmed language.It should be understood that it can utilize various
Programming language realizes the content of invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the specification that this place provides, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention
Example can be put into practice in the case of these no details.In some instances, known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this description.
Similarly, it will be appreciated that in order to simplify the disclosure and help to understand one or more of each inventive aspect,
Above in the description to the exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention：I.e. required guarantor
The application claims of shield features more more than the feature being expressly recited in each claim.It is more precisely, such as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following embodiment are expressly incorporated in the embodiment, wherein each claim is in itself
Separate embodiments all as the present invention.
Those skilled in the art, which are appreciated that, to be carried out adaptively to the module in the equipment in embodiment
Change and they are arranged in one or more equipment different from the embodiment.Can be the module or list in embodiment
Member or component be combined into a module or unit or component, and can be divided into addition multiple submodule or subelement or
Sub-component.In addition at least some in such feature and/or process or unit exclude each other, it can use any
Combination is disclosed to all features disclosed in this specification (including adjoint claim, summary and accompanying drawing) and so to appoint
Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification (including adjoint power
Profit requires, summary and accompanying drawing) disclosed in each feature can be by providing the alternative features of identical, equivalent or similar purpose come generation
Replace.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included some features rather than further feature, but the combination of the feature of different embodiments means in of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
One of meaning mode can use in any combination.
The all parts embodiment of the present invention can be realized with hardware, or to be run on one or more processor
Software module realize, or realized with combinations thereof.It will be understood by those of skill in the art that it can use in practice
Microprocessor or digital signal processor (DSP) realize the appraisal procedure and dress of risk Claims Resolution according to embodiments of the present invention
The some or all functions of some or all parts in putting.The present invention is also implemented as described here for performing
Method some or all equipment or program of device (for example, computer program and computer program product).This
The program of the realization present invention of sample can store on a computer-readable medium, or can have one or more signal
Form.Such signal can be downloaded from internet website and obtained, and either be provided or with any other on carrier signal
Form provides.
It should be noted that the present invention will be described rather than limits the invention for above-described embodiment, and ability
Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference symbol between bracket should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of some different elements and being come by means of properly programmed computer real
It is existing.In if the unit claim of equipment for drying is listed, several in these devices can be by same hardware branch
To embody.The use of word first, second, and third does not indicate that any order.These words can be explained and run after fame
Claim.
Claims (10)
- A kind of 1. appraisal procedure of risk Claims Resolution, it is characterised in that including：Obtain the Claims Resolution information and history policy information of insurant in Claims Resolution case；Logic parameter to be assessed in the Claims Resolution information and the history policy information is parsed, the logic parameter is used to react Insurant participates in the situation of medical item in case of settling a claim；Matched according to the logic parameter with preset assessment logic, and count Claims Resolution case corresponding to the logic parameter Assessment result, the preset logic of assessing are used to react the relation between Different Logic parameter and different assessment fractions.
- 2. according to the method for claim 1, it is characterised in that the parsing Claims Resolution information and history declaration form letter Logic parameter to be assessed includes in breath：Extract it is described Claims Resolution information and the history policy information in number type, number type, charge type, attribute type Logic parameter corresponding to respectively；Logic parameter corresponding to judging the number type, the number type, the charge type, the attribute type respectively Numerical value whether be respectively greater than default higher limit, and/or less than default lower limit；If less than default higher limit, and/or more than default lower limit, for the number type, the number type, institute State charge type, the attribute type respectively corresponding to logic parameter configuration interval number, the interval number be used to distinguish replace it is pre- Comment on and estimate parameter corresponding to logical formula.
- 3. according to the method for claim 2, it is characterised in that described to be entered according to the logic parameter and preset assessment logic Row matching, and the assessment result for counting Claims Resolution case corresponding to the logic parameter includes：Calculated according to preset assessment logical formula with different interval numbers and assess fraction corresponding to the logic parameter of the number type, It is described it is preset assessment logical formula beWherein i is interval number, and x is the numerical value of secondary several classes of logic parameter；AndCalculated according to preset assessment logical formula with different interval numbers and assess fraction corresponding to the logic parameter of the number type, It is described it is preset assessment logical formula beWherein i is interval number, and y is the numerical value of the logic parameter of number type；AndCalculated according to preset assessment logical formula with different interval numbers and assess fraction corresponding to the logic parameter of the charge type, It is described it is preset assessment logical formula beWherein i is interval number, and z is the numerical value of the logic parameter of charge type；AndCalculated according to preset assessment logical formula with different interval numbers and assess fraction corresponding to the logic parameter of the attribute type, It is described it is preset assessment logical formula beWherein i is interval number, and l is the numerical value of the logic parameter of attribute type；According to default interval right weight vector, statistics obtains the number type, the number type, the charge type, institute State the assessment result that fraction is assessed corresponding to attribute type.
- 4. according to the method for claim 3, it is characterised in that methods described also includes：According to different Claims Resolution product information generations interval right weight vector corresponding with Claims Resolution case, take in the interval right weight vector Weights are respectively greater than number type, number type, weights corresponding to attribute type successively corresponding to type.
- 5. according to the method described in claim any one of 1-4, it is characterised in that it is described according to the logic parameter with commenting in advance Estimate logic to be matched, and after counting the assessment result of Claims Resolution case corresponding to the logic parameter, methods described also includes：By the assessment result compared with preset amount for which loss settled；It is if comparative result, which is the assessment result, is more than 2/3rds of the preset amount for which loss settled, the Claims Resolution case is true It is set to risk Claims Resolution case, and sends warning information.
- A kind of 6. apparatus for evaluating of risk Claims Resolution, it is characterised in that including：Acquiring unit, for obtaining the Claims Resolution information and history policy information of insurant in case of settling a claim；Resolution unit, it is described to patrol for parsing logic parameter to be assessed in the Claims Resolution information and the history policy information Parameter is collected to be used to react the situation that insurant participates in medical item in case of settling a claim；Statistic unit, for being matched according to the logic parameter with preset assessment logic, and count the logic parameter pair The assessment result for the Claims Resolution case answered, the preset assessment logic are used to react between Different Logic parameter and different assessment fractions Relation.
- 7. device according to claim 6, it is characterised in that the resolution unit includes：Extraction module, for extract it is described Claims Resolution information and the history policy information in number type, number type, expense Logic parameter corresponding to type, attribute type difference；Judge module, for judging the number type, the number type, the charge type, attribute type difference Whether the numerical value of corresponding logic parameter is respectively greater than default higher limit, and/or less than default lower limit；Configuration module, if judging the number type, the number type, the charge type, the category for judge module The numerical value of property type corresponding logic parameter respectively is respectively smaller than default higher limit, and/or more than default lower limit, then for The number type, the number type, the charge type, the attribute type respectively corresponding to logic parameter configuration section Number, the interval number, which is used to distinguish, replaces parameter corresponding to preset assessment logical formula.
- 8. device according to claim 7, it is characterised in that the statistic unit includes：Computing module, for calculating the logic parameter pair of the number type with different interval numbers according to preset assessment logical formula The assessment fraction answered, the preset assessment logical formula areWherein i is interval number, and x is secondary several classes of logic parameter Numerical value；AndThe computing module, it is additionally operable to calculate the logic of the number type with different interval numbers according to preset assessment logical formula Fraction is assessed corresponding to parameter, the preset assessment logical formula isWherein i is interval number, and y is patrolling for number type Collect the numerical value of parameter；AndThe computing module, it is additionally operable to calculate the logic of the charge type with different interval numbers according to preset assessment logical formula Fraction is assessed corresponding to parameter, the preset assessment logical formula isWherein i is interval number, and z is patrolling for charge type Collect the numerical value of parameter；AndThe computing module, it is additionally operable to calculate the logic of the attribute type with different interval numbers according to preset assessment logical formula Fraction is assessed corresponding to parameter, the preset assessment logical formula isWherein i is interval number, and l is patrolling for attribute type Collect the numerical value of parameter；Statistical module, for obtaining the number type, the number type, institute according to default interval right weight vector, statistics State the assessment result that fraction is assessed corresponding to charge type, the attribute type.
- 9. a kind of storage medium, an at least executable instruction is stored with the storage medium, the executable instruction makes processing Device performs operation corresponding to the appraisal procedure of the risk Claims Resolution as any one of claim 1-5.
- 10. a kind of server, including：Processor, memory, communication interface and communication bus, the processor, the memory Mutual communication is completed by the communication bus with the communication interface；The memory is used to deposit an at least executable instruction, and the executable instruction makes the computing device such as right will The corresponding operation of appraisal procedure for asking the risk any one of 1-5 to settle a claim.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711171504.XA CN107871284A (en) | 2017-11-22 | 2017-11-22 | The appraisal procedure and device of risk Claims Resolution |
| PCT/CN2018/075677 WO2019100601A1 (en) | 2017-11-22 | 2018-02-07 | Claim risk evaluation method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711171504.XA CN107871284A (en) | 2017-11-22 | 2017-11-22 | The appraisal procedure and device of risk Claims Resolution |
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| CN106920066A (en) * | 2016-08-03 | 2017-07-04 | 阿里巴巴集团控股有限公司 | Information processing method and device |
| CN107169869A (en) * | 2017-04-06 | 2017-09-15 | 平安科技（深圳）有限公司 | Information processing method and information processor |
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