CN108734590A - The distribution method and terminal device of declaration form - Google Patents
The distribution method and terminal device of declaration form Download PDFInfo
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- CN108734590A CN108734590A CN201810309425.9A CN201810309425A CN108734590A CN 108734590 A CN108734590 A CN 108734590A CN 201810309425 A CN201810309425 A CN 201810309425A CN 108734590 A CN108734590 A CN 108734590A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
- G06Q10/06312—Adjustment or analysis of established resource schedule, e.g. resource or task levelling, or dynamic rescheduling
Abstract
The present invention is suitable for field of artificial intelligence, provides a kind of distribution method and terminal device of declaration form, in embodiments of the present invention, by obtaining the policy information of declaration form to be allocated and the threshold value of making loans of each risk-bearing entity；The ratio for calculating the accumulative amount of making loans of each risk-bearing entity within a preset period of time and threshold value of making loans, as the ratio of making loans；The ratio of making loans is included into first less than the risk-bearing entity of preset ratio threshold value and accepts group, conversely, risk-bearing entity, which is then included into second, accepts group；According to policy information, the declaration form classification of declaration form to be allocated is determined；If first accepts the risk-bearing entity that the declaration form classification for processing declaration form to be allocated is not present in group, then the risk-bearing entity for the declaration form classification that declaration form to be allocated is processed in group is accepted as candidate unit using second, and distribute into candidate unit a minimum risk-bearing entity of ratio of making loans declaration form to be allocated, to improve the resonable degree and the degree of automation of declaration form distribution.
Description
Technical field
The invention belongs to field of artificial intelligence more particularly to the distribution methods and terminal device of a kind of declaration form.
Background technology
Currently, after client completes real name verification, the declaration form of client can be randomly assigned to by insurance company can handle the guarantor
Single insurance branch company, and subsequent operation is carried out to the declaration form by insuring branch company, and be client when being compensated
It makes loans.
But the field for oneself being good at processing may be had by being different insurance branch company, if a declaration form is an insurance point
Company is bad to handle, then can may expend longer time in operation, this can lead to the reduction of user experience.Another party
Face, if a make loans volume of the insurance branch company within a preset period has reached warning line, but after continued access declaration form,
There may be make loans excess the problem of occur, this can give insurance branch company capital turnover difficulty.
Invention content
In view of this, an embodiment of the present invention provides a kind of distribution method of declaration form and terminal device, to solve existing skill
Art when declaration form distributes it is that may be present make loans excess the problem of.
The first aspect of the embodiment of the present invention provides a kind of distribution method of declaration form, including：
Obtain the policy information of declaration form to be allocated and the threshold value of making loans of each risk-bearing entity；
The ratio of each risk-bearing entity accumulative amount of making loans within a preset period of time and the threshold value of making loans is calculated, is made
For the ratio of making loans；
The ratio of making loans is included into first less than the risk-bearing entity of preset ratio threshold value and accepts group, by the ratio of making loans
Risk-bearing entity more than or equal to the proportion threshold value is included into second and accepts group；
According to the policy information, the declaration form classification of the declaration form to be allocated is determined by K nearest neighbor algorithms；
The described first operation note for accepting risk-bearing entity in group is obtained, the operation note is for recording the insurance policy
The policy information of the processed declaration form in position；
If according to the operation note, described first accepts the declaration form classification for existing in group and processing the declaration form to be allocated
Risk-bearing entity, then based on the operation note calculate described first accept group in each risk-bearing entity a processing scoring, and will
The declaration form to be allocated is distributed to the highest risk-bearing entity of processing scoring；
If described first accepts there is no the risk-bearing entity of the declaration form classification of the processed declaration form to be allocated in group, will
Described second accepts the risk-bearing entity for the declaration form classification that the declaration form to be allocated is processed in group as candidate unit, and will be described
Declaration form to be allocated distributes into the candidate unit the minimum risk-bearing entity of ratio of making loans.
The second aspect of the embodiment of the present invention provides a kind of terminal device, including memory and processor, described to deposit
The computer program that can be run on the processor is stored in reservoir, when the processor executes the computer program,
Realize following steps：
Obtain the policy information of declaration form to be allocated and the threshold value of making loans of each risk-bearing entity；
The ratio of each risk-bearing entity accumulative amount of making loans within a preset period of time and the threshold value of making loans is calculated, is made
For the ratio of making loans；
The ratio of making loans is included into first less than the risk-bearing entity of preset ratio threshold value and accepts group, by the ratio of making loans
Risk-bearing entity more than or equal to the proportion threshold value is included into second and accepts group；
According to the policy information, the declaration form classification of the declaration form to be allocated is determined by K nearest neighbor algorithms；
The described first operation note for accepting risk-bearing entity in group is obtained, the operation note is for recording the insurance policy
The policy information of the processed declaration form in position；
If according to the operation note, described first accepts the declaration form classification for existing in group and processing the declaration form to be allocated
Risk-bearing entity, then based on the operation note calculate described first accept group in each risk-bearing entity a processing scoring, and will
The declaration form to be allocated is distributed to the highest risk-bearing entity of processing scoring；
If described first accepts there is no the risk-bearing entity of the declaration form classification of the processed declaration form to be allocated in group, will
Described second accepts the risk-bearing entity for the declaration form classification that the declaration form to be allocated is processed in group as candidate unit, and will be described
Declaration form to be allocated distributes into the candidate unit a minimum risk-bearing entity of ratio of making loans.
The third aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, the computer program to realize following steps when being executed by processor：Obtain declaration form to be allocated
Policy information and each risk-bearing entity threshold value of making loans；Calculate each risk-bearing entity within a preset period of time accumulative
The ratio of the amount of making loans and the threshold value of making loans, as the ratio of making loans；The ratio of making loans is less than to the insurance of preset ratio threshold value
Unit is included into first and accepts group, and the ratio of making loans is included into second more than or equal to the risk-bearing entity of the proportion threshold value to be accepted
Group；According to the policy information, the declaration form classification of the declaration form to be allocated is determined by K nearest neighbor algorithms；Obtain described first
The operation note of risk-bearing entity in group is accepted, the operation note is used to record the declaration form of the processed declaration form of the risk-bearing entity
Information；If according to the operation note, described first accepts the declaration form classification that there is the processed declaration form to be allocated in group
Risk-bearing entity then calculates the described first processing scoring for accepting each risk-bearing entity in group based on the operation note, and by institute
Declaration form to be allocated is stated to distribute to the highest risk-bearing entity of processing scoring；If described first, which accepts interior be not present of group, processes institute
The risk-bearing entity of the declaration form classification of declaration form to be allocated is stated, then accepts the guarantor for processing the declaration form to be allocated in group by described second
The declaration form to be allocated is distributed as candidate unit and makes loans ratio most into the candidate unit by the risk-bearing entity of single classification
Low risk-bearing entity.
Further, it is put with described in the accumulative amount of making loans of each risk-bearing entity within a preset period of time that calculates
The ratio of money threshold value further includes before the ratio of making loans：The risk-bearing entity of first preset quantity is reset from the accumulative amount of making loans
Start to reach average duration needed for the proportion threshold value to the ratio of making loans, as the preset time period.
Further, described according to the policy information, the declaration form of the declaration form to be allocated is determined by K nearest neighbor algorithms
Classification, including：Obtain the policy information and the corresponding class label of the sample declaration form of multiple sample declaration forms；It is waited for described point
Policy information with declaration form is converted to test matrix, and the policy information of the sample declaration form is converted to training matrix, and base
In the corresponding class label of the sample declaration form, the correspondence of training matrix and class label is established；Calculate the test square
Battle array arrives the manhatton distance of each training matrix；The manhatton distance of second preset quantity and the test matrix is minimum
The corresponding class label of training matrix the highest candidate categories of ratio will occur and waited for as described in point as candidate categories
Declaration form classification with declaration form.
Further, the acquisition described first accepts an operation note for risk-bearing entity in group, including：
Preset web database is obtained, determines each webpage and the insurance policy in the preset web database
The degree of correlation of position；The degree of correlation of the determination each webpage and the risk-bearing entity in the preset web database, packet
It includes：Word segmentation processing is carried out to the content of each webpage in the preset web database, to generate the corresponding word of each webpage
Language set；Pass through formula：Calculate probability parameter of the risk-bearing entity in each webpage, wherein described
YiFor probability parameter of the risk-bearing entity in webpage i, the niIt is risk-bearing entity in the corresponding set of words of webpage i
Occurrence number, kiFor the word summation contained in the corresponding set of words of webpage i, the h, which is in the web database, includes
Webpage quantity summation, the b be the web database in comprising the risk-bearing entity webpage quantity；According to default
Probability parameter section and the degree of correlation correspondence, determine the degree of correlation of the risk-bearing entity and each webpage.
The degree of correlation of crawl and the risk-bearing entity is greater than or equal to the content in the webpage of default relevance threshold, generates
Content data base searches for the operation note of risk-bearing entity using depth-first sequence in the content data base.
Further, described, the described first processing for accepting each risk-bearing entity in group is calculated based on the operation note
Scoring, including：If the declaration form classification of the untreated declaration form to be allocated of risk-bearing entity, by the place of the risk-bearing entity
Reason scoring is set as 0；If the risk-bearing entity processes the declaration form classification of the declaration form to be allocated, pass through formula：S=1- (t
÷ T)-(e+p) calculate the processing scoring of the risk-bearing entity, the S is that the processing of risk-bearing entity is scored, and the t is the behaviour
It notes down declaration form processing time of the risk-bearing entity for including, the T is pre- according to the calculated third of the operation note
If the declaration form of the risk-bearing entity of quantity handles average time, the e is the place for the risk-bearing entity that the operation note includes
Error rate is managed, the p is turn processing probability for the risk-bearing entity that the operation note includes.
In embodiments of the present invention, by obtaining the policy information of declaration form to be allocated and the threshold of making loans of each risk-bearing entity
Value；The ratio for calculating the accumulative amount of making loans of each risk-bearing entity within a preset period of time and threshold value of making loans, as the ratio of making loans；It will
The risk-bearing entity that ratio of making loans is less than preset ratio threshold value is included into first and accepts group, conversely, then by risk-bearing entity be included into second by
Reason group；According to policy information, the declaration form classification of declaration form to be allocated is determined；If first, which accepts interior be not present of group, processes guarantor to be allocated
The risk-bearing entity of single declaration form classification, the then risk-bearing entity that the declaration form classification that declaration form to be allocated is processed in group is accepted second are made
It for candidate unit, and distributes into candidate unit a minimum risk-bearing entity of ratio of making loans declaration form to be allocated, is protected with improving
The resonable degree and the degree of automation singly distributed.
Description of the drawings
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description be only the present invention some
Embodiment for those of ordinary skill in the art without having to pay creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the implementation flow chart of the distribution method of declaration form provided in an embodiment of the present invention；
Fig. 2 is the specific implementation flow chart of the distribution method S104 of declaration form provided in an embodiment of the present invention；
Fig. 3 is the specific implementation flow chart of the distribution method S105 of declaration form provided in an embodiment of the present invention；
Fig. 4 is the structure diagram of the distributor of declaration form provided in an embodiment of the present invention；
Fig. 5 is the schematic diagram of terminal device provided in an embodiment of the present invention.
Specific implementation mode
In being described below, for illustration and not for limitation, it is proposed that such as tool of particular system structure, technology etc
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention can also be realized in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.
Fig. 1 shows that the implementation process of the distribution method of declaration form provided in an embodiment of the present invention, this method flow include step
Rapid S101 to S108.The specific implementation principle of each step is as follows.
S101：Obtain the policy information of declaration form to be allocated and the threshold value of making loans of each risk-bearing entity.
In embodiments of the present invention, each declaration form has corresponding policy information, policy information that can be selected by user
With fill in, can also be what risk-bearing entity was formulated.Optionally, policy information includes：User's assets, user credit grading, user
The data such as identity information and product information.It is to be appreciated that policy information can be used for describe purchase insurance user and
Purchased insurance products.
In embodiments of the present invention, each risk-bearing entity can be the branch company or subsidiary of an insurance company, also may be used
To be the independent insurance company of more families that an alliance is added, it is possible to understand that ground, each risk-bearing entity is according to its business circumstance
And capital rationing, there is its corresponding maximum value of making loans, is in embodiments of the present invention known as the maximum value of making loans of risk-bearing entity
It makes loans threshold value.In practical commercial activity, although multiple risk-bearing entities can may mutually call fund to cope with excess of making loans
The problem of, but best scheme is still each risk-bearing entity ensure under normal conditions oneself make loans number without departing from
Its threshold value of making loans, and the declaration form to obtain is rapidly performed by response and makes loans as possible.
S102：Calculate the ratio of the accumulative amount of making loans and the threshold value of making loans of each risk-bearing entity within a preset period of time
Value, as the ratio of making loans.
Illustratively, it is assumed that the corresponding accumulative amounts of making loans of risk-bearing entity A are 10,000,000, and risk-bearing entity B is corresponding to be added up to put
Money amount is 20,000,000, and the corresponding accumulative amounts of making loans of risk-bearing entity C are 15,000,000, and the corresponding accumulative amounts of making loans of risk-bearing entity D are
The corresponding accumulative amount of making loans of 25000000, risk-bearing entity E is 30,000,000.If the threshold value of making loans of risk-bearing entity A, B, C, D and E are equal
For：30000000.The ratio of making loans that A, B, C, D and E can then be calculated is respectively：33%, 66%, 50%, 83% and
100%.It is to be appreciated that in the examples described above, the threshold values of making loans of 5 risk-bearing entities is identical, but the embodiment of the present invention
The different situation of the threshold value of making loans of more risk-bearing entities can be coped with, the mode for calculating ratio of making loans is constant.
Further, it is put with described in the accumulative amount of making loans of each risk-bearing entity within a preset period of time that calculates
The ratio of money threshold value further includes before the ratio of making loans：The risk-bearing entity of first preset quantity is reset from the accumulative amount of making loans
Start to reach average duration needed for the proportion threshold value to the ratio of making loans, as the preset time period.
It is to be appreciated that in embodiments of the present invention, preset time period can be according to the feelings of actually making loans of multiple risk-bearing entities
Condition is adjusted into Mobile state, so that entire calculating process is closer to true demand of making loans.
It is to be appreciated that above-mentioned calculating process is carried out automatically by computer, the ratio of making loans of each risk-bearing entity is calculated
Be conducive to subsequently carry out more rational division to different risk-bearing entities, to more rapidly and accurately divide declaration form
Match.
The ratio of making loans is included into first less than the risk-bearing entity of preset ratio threshold value and accepts group, put described by S103
Money ratio is included into second more than or equal to the risk-bearing entity of the proportion threshold value and accepts group.
In embodiments of the present invention, when each risk-bearing entity make loans ratio-dependent after, just be based on make loans ratio to insurance
Unit is grouped.Illustratively, as described in example above, the ratio of making loans of risk-bearing entity A, B, C, D and E are respectively：
33%, 66%, 50%, 83% and 100%, it is assumed that preset proportion threshold value is 80%, then insure branch company's A, B, C quilt
It is included into first and accepts group, and insure branch company E, D and be included into second and accept group.
The meaning of grouping is：In the distribution of subsequent declaration form, consider that first accepts the risk-bearing entity in group first, if protecting
List can not distribute to first and accept risk-bearing entity in group, consider further that distribute declaration form to second and accept risk-bearing entity in group,
And first accepts group and accepts distributing the mode of selection and differing for group with second, and the specific method of salary distribution will be detailed below
It states.
S104：According to the policy information, the declaration form classification of the declaration form to be allocated is determined by K nearest neighbor algorithms.
In embodiments of the present invention, it is contemplated that different risk-bearing entities is good at the declaration form classification of processing not in actual conditions
Together, so in embodiments of the present invention, needing declaration form being divided into different declaration form classifications according to policy information.
Optionally, since the policy information of each declaration form includes：User's assets, user credit grading, user identity letter
The data such as breath and product information, it is possible to which the form for converting the data into matrix is divided into according to pattern classification algorithm
Different declaration form classifications.It is alternatively possible to which KNN algorithms is selected to classify policy information.
Notably, due to for the ease of subsequent calculating process, so used in the embodiment of the present invention is all to have prison
The pattern classification algorithm superintended and directed, that is to say, that declaration form classification has all been preset, in embodiments of the present invention, according to other
Know that the policy information of the declaration form of declaration form classification identifies the declaration form classification belonging to declaration form to be allocated.
As an embodiment of the present invention, as shown in Fig. 2, above-mentioned S104 includes：
S1041：Obtain the policy information and the corresponding class label of the sample declaration form of multiple sample declaration forms.
It is to be appreciated that sample declaration form is the declaration form of known declaration form classification, and in embodiments of the present invention, the guarantor of sample declaration form
Single information and the corresponding class label of sample declaration form can serve as the training data subsequently identified.
S1042：The policy information of the declaration form to be allocated is converted into test matrix, and by the declaration form of the sample declaration form
Information is converted to training matrix, and is based on the corresponding class label of the sample declaration form, establishes training matrix and class label
Correspondence.
Optionally, the policy information that the policy information of declaration form to be allocated is converted to test matrix or sample declaration form is converted to
Training matrix, can be by being stored in different default corresponding position in matrix, if some type by different types of data
Data are not number, can be stored in matrix after converting data to number according to the correspondence of preset data and number
In predeterminated position.
It is to be appreciated that after the policy information of sample declaration form is converted to training matrix, need to correspond to according to sample declaration form
Class label be each training matrix carry out class label mark.
S1043：Calculate the test matrix to each training matrix manhatton distance.
In embodiments of the present invention, pass through the manhatton distance of calculating test matrix to each training matrix, it may be determined that
The degree of closeness of declaration form to be allocated and each sample declaration form.
S1044, by the corresponding with the training matrix of manhatton distance minimum of the test matrix of the second preset quantity
Class label the highest candidate categories of ratio will occur as the declaration form class of the declaration form to be allocated as candidate categories
Not.
It is to be appreciated that by converting the policy information of declaration form to be allocated to training matrix, then calculate training matrix with
The manhatton distance of test matrix, with the degree of closeness of determination declaration form to be allocated and the sample declaration form of each known declaration form classification,
To the highest class label of ratio occur as declaration form to be allocated with the immediate multiple sample declaration forms of declaration form to be allocated
Declaration form classification so that the embodiment of the present invention can scientifically and accurately be automatically determined and waited for based on the policy information of other declaration forms
The declaration form classification for distributing declaration form, distribution foundation is provided for the distribution of follow-up declaration form.
S105：The described first operation note for accepting risk-bearing entity in group is obtained, the operation note is described for recording
The policy information of the processed declaration form of risk-bearing entity.
In embodiments of the present invention, can automatically be captured by crawler technology with first accept group in risk-bearing entity it is relevant
Operation note, with subsequently to provide more comprehensive Data safeguard to the analysis of risk-bearing entity.
As an embodiment of the present invention, as shown in figure 3, above-mentioned S105 includes：
S1051, obtains preset web database, determine in the preset web database each webpage with it is described
The degree of correlation of risk-bearing entity.
In embodiments of the present invention, it is previously provided with a web database, magnanimity is stored in this web database
Webpage, the content in these webpages includes that the information of the declaration form handled a risk-bearing entity is introduced, and also includes insurance
The processing data of each declaration form of processed in units, such as：The information such as handling duration, processing time and processing institute chance problem.It can be with
Understand ground, will be seen that the case where different risk-bearing entities handle different declaration forms by these webpages.
Optionally it is determined that in the preset web database each webpage and the risk-bearing entity the degree of correlation, can
To be carried out according to following steps：
First, word segmentation processing is carried out to the content of each webpage in the preset web database, generates each net
The corresponding set of words of page.In embodiments of the present invention, the content of each webpage in web database is all by multiple words
Composition, so needing the content first to each webpage to carry out word segmentation processing, to generate the corresponding set of words of each webpage.
Notably, may include the identical word repeated in a set of words, such as in a first net
There are 5 " risk-bearing entity A " in page, then there is 5 " risk-bearing entity A " in the corresponding set of words of first webpage, i.e.,
" risk-bearing entity A " can occur 5 times repeatedly in the corresponding set of words of first webpage, and can't merge 5 " risk-bearing entity A "
At a word.
Then, pass through formula：Probability parameter of some risk-bearing entity in each webpage is calculated,
In, the YiFor probability parameter of the risk-bearing entity in webpage i, the niIt is risk-bearing entity in the corresponding word collection of webpage i
Occurrence number in conjunction, kiFor the word summation contained in the corresponding set of words of webpage i, the h is the web database
In include webpage quantity summation, the b be the web database in comprising the risk-bearing entity webpage quantity.It can
To understand ground, probability parameter is not probability of the simple risk-bearing entity in each webpage, but combines risk-bearing entity in net
The word summation that contains in occurrence number, the corresponding set of words of webpage i in the corresponding set of words of page i, webpage number
According to including the quantity of the risk-bearing entity this 4 important ginsengs in library in the quantity summation and web database of the webpage for including
The parameter of number, calculated reaction risk-bearing entity and a webpage close to degree.
Finally, according to the correspondence in preset probability parameter section and the degree of correlation, determine the risk-bearing entity with it is each
The degree of correlation of webpage.
In embodiments of the present invention, the probability parameter of risk-bearing entity and each webpage is not last with each webpage
The degree of correlation, but need to call the correspondence in preset probability parameter section and the degree of correlation, calculate the probability in previous step
The corresponding degree of correlation of parameter, the degree of correlation as risk-bearing entity and each webpage.
S1052 is captured with the degree of correlation of the risk-bearing entity more than or equal to interior in the webpage of default relevance threshold
Hold, generates content data base, search for the operation note of risk-bearing entity in the content data base using depth-first sequence.
In embodiments of the present invention, one is designed by web crawlers to automatically extract the program of webpage, it can be from pre-
If web database in extract and download satisfactory webpage.Optionally, web crawlers is from one or more Initial pages
URL start, obtain Initial page on URL new URL is constantly extracted from current page during capturing webpage
It is put into queue, the stop condition until meeting web crawlers crawl.
In embodiments of the present invention, captured since with the highest webpage of the degree of correlation of risk-bearing entity, gradually according to guarantor
The degree of correlation of dangerous unit captures webpage successively from high to low, and stop condition is：Relevance threshold is preset when being less than with risk-bearing entity
Stop crawl.All contents by the webpage of web crawlers crawl will be stored by system, generate content data base.It can be with
Understand ground, the content of multiple webpages is included in content data base, and the content of these webpages is had with each risk-bearing entity
Higher associated content.As explained above, may include for risk-bearing entity in the content of each webpage in content data base
The introduction of processed declaration form and risk-bearing entity is handled each declaration form disposition introduction.
Optionally, in embodiments of the present invention, each guarantor is searched in the content data base using depth-first sequence
The operation note of dangerous unit.It is to be appreciated that in the present invention, depth-first is referred mainly in the title for obtaining a risk-bearing entity
Afterwards, the corresponding newest operation note of title that can capture the risk-bearing entity in a network, then captures the name of the risk-bearing entity
Claim the corresponding second new operation note, and so on, by the whole behaviour of the title of a risk-bearing entity in a period of time
It notes down after the completion of crawl, in the corresponding operation note of title for capturing another risk-bearing entity.It is to be appreciated that due to this Shen
The property of the information obtained please be need, so directly using the way of search of depth-first, is conducive to improve search and crawl
The efficiency of operation note.
S106 judges that described first accepts in group with the presence or absence of the insurance for the declaration form classification for processing the declaration form to be allocated
Unit.
It is to be appreciated that since each risk-bearing entity has its processed and no processed declaration form classification, so root
According to the operation note of each risk-bearing entity, it can judge whether each risk-bearing entity processes the declaration form to be allocated respectively automatically
Declaration form classification.
S107, if according to the operation note, described first accepts the guarantor for existing in group and processing the declaration form to be allocated
The risk-bearing entity of single classification then calculates the processing that described first accepts each risk-bearing entity in group based on the operation note and comments
Point, and the declaration form to be allocated is distributed to the highest risk-bearing entity of processing scoring.
Optionally, in embodiments of the present invention, if first accepts the guarantor for existing in group and processing the declaration form to be allocated
The risk-bearing entity of single classification then specifically determines the processing scoring of each risk-bearing entity in the following manner：
It is accepted in group firstly, for first, the risk-bearing entity of the declaration form classification of the untreated declaration form to be allocated, directly
It connects and the processing scoring of the risk-bearing entity is set as 0；
Secondly, for being accepted in group first, the risk-bearing entity of the declaration form classification of the declaration form to be allocated is processed, is passed through
Formula：S=1- (t ÷ T)-(e+p) calculates the processing scoring of the risk-bearing entity, and the S is that the processing of risk-bearing entity is scored, institute
The declaration form processing time that t is the risk-bearing entity that the operation note includes is stated, the T is to be calculated according to the operation note
The declaration form of the risk-bearing entity of the third preset quantity gone out handles average time, and the e is the guarantor that the operation note includes
The processing error rate of dangerous unit, the p are turn processing probability for the risk-bearing entity that the operation note includes.
It is to be appreciated that due to having determined that the declaration form classification belonging to declaration form to be allocated before the step of, so
In this step, when calculate each risk-bearing entity handle each declaration form classification processing scoring after, declaration form to be allocated can be distributed
The highest risk-bearing entity of processing scoring that the affiliated declaration form classification of declaration form to be allocated is handled in group is accepted to first.
S108, if described first accepts the insurance policy that the declaration form classification for processing the declaration form to be allocated is not present in group
Position, then using described second accept group in process the declaration form to be allocated declaration form classification risk-bearing entity as candidate unit,
And the to be allocated declaration form is distributed into the candidate unit to a minimum risk-bearing entity of ratio of making loans.
In embodiments of the present invention, as described above, first accept group the declaration form method of salary distribution and second accept group guarantor
Single method of salary distribution is different.
All it is the risk-bearing entity that some ratios of making loans reach alert locations it is to be appreciated that due to being accepted in group second,
It is not applicable to be allocated by handling scoring so accept risk-bearing entity in group for second, but by the ratio of making loans into
Row distribution automatically distributes into the candidate unit declaration form to be allocated to a minimum risk-bearing entity of ratio of making loans, in this way
Not only user experience can be taken into account, but also can ensure that risk-bearing entity has the ability to handle the declaration form to greatest extent.
Notably, the declaration form method of salary distribution involved by the embodiment of the present invention can automatically be held by the program of design
Row, does not need manpower intervention.
In embodiments of the present invention, the policy information of declaration form to be allocated and the threshold value of making loans of each risk-bearing entity are obtained；
The ratio for calculating the accumulative amount of making loans of each risk-bearing entity within a preset period of time and threshold value of making loans, as the ratio of making loans；It will put
Money ratio is included into first less than the risk-bearing entity of preset ratio threshold value and accepts group, is accepted conversely, risk-bearing entity is then included into second
Group；According to policy information, the declaration form classification of declaration form to be allocated is determined；If first, which accepts interior be not present of group, processes declaration form to be allocated
Declaration form classification risk-bearing entity, then using second accept group in process declaration form to be allocated declaration form classification risk-bearing entity as
Candidate unit, and distribute into candidate unit a minimum risk-bearing entity of ratio of making loans declaration form to be allocated, to improve declaration form
The resonable degree and the degree of automation of distribution.
Corresponding to the distribution method of the declaration form described in foregoing embodiments, Fig. 4 shows declaration form provided in an embodiment of the present invention
The structure diagram of distributor illustrate only and the relevant part of the embodiment of the present invention for convenience of description.
With reference to Fig. 4, which includes：
Acquisition module 401, the threshold value of making loans of policy information and each risk-bearing entity for obtaining declaration form to be allocated；
Computing module 402, for calculate the accumulative amount of making loans of each risk-bearing entity within a preset period of time with it is described
The ratio for threshold value of making loans, as the ratio of making loans；
Grouping module 403 is accepted for the ratio of making loans to be included into first less than the risk-bearing entity of preset ratio threshold value
The ratio of making loans is included into second more than or equal to the risk-bearing entity of the proportion threshold value and accepts group by group；
Identification module 404, for according to the policy information, the declaration form to be allocated to be determined by K nearest neighbor algorithms
Declaration form classification；
Acquisition module 405 is recorded, for obtaining the described first operation note for accepting risk-bearing entity in group；
First distribution module 406, if for according to the operation note, described first accepts in group in the presence of processed described
The risk-bearing entity of the declaration form classification of declaration form to be allocated is then based on operation note calculating described first and accepts each insurance in group
The processing of unit is scored, and the declaration form to be allocated is distributed to the highest risk-bearing entity of processing scoring；
Second distribution module 407, if being accepted in group for described first, there is no the guarantors for processing the declaration form to be allocated
The risk-bearing entity of single classification, the then risk-bearing entity for accepting the declaration form classification that the declaration form to be allocated is processed in group by described second
A minimum insurance policy of ratio of making loans is distributed into the candidate unit as candidate unit, and by the declaration form to be allocated
Position.
Optionally, described device further includes：
Setting module, for by the risk-bearing entity of the first preset quantity since being reset the accumulative amount of making loans to the ratio of making loans
Example reaches the average duration needed for the proportion threshold value, as the preset time period.
Optionally, the identification module 404 includes：
Sample acquisition submodule, the policy information for obtaining multiple sample declaration forms and the corresponding class of the sample declaration form
Distinguishing label.
Relationship setting up submodule, for the policy information of the declaration form to be allocated to be converted to test matrix, and will be described
The policy information of sample declaration form is converted to training matrix, and is based on the corresponding class label of the sample declaration form, establishes training square
The correspondence of battle array and class label；
Apart from computational submodule, the manhatton distance for calculating the test matrix to each training matrix；
Classification determination sub-module is used for the instruction with the manhatton distance minimum of the test matrix of the second preset quantity
Practice the corresponding class label of matrix as candidate categories, and the highest candidate categories of ratio will occur as described to be allocated
The declaration form classification of declaration form.
Optionally, the record acquisition module 405 includes：
Relatedness computation submodule is determined for obtaining preset web database in the preset web database
In each webpage and the risk-bearing entity the degree of correlation.
Submodule is captured, for capturing the net for being greater than or equal to default relevance threshold with the degree of correlation of the risk-bearing entity
Content in page is generated content data base, is searched for the behaviour of risk-bearing entity in the content data base using depth-first sequence
It notes down.
Optionally, first distribution module, including：
First scoring submodule, if the declaration form classification for the untreated declaration form to be allocated of the risk-bearing entity,
The processing scoring of the risk-bearing entity is set as 0；
Second scoring submodule leads to if processing the declaration form classification of the declaration form to be allocated for the risk-bearing entity
Cross formula：S=1- (t ÷ T)-(e+p) calculates the processing scoring of the risk-bearing entity, and the S is that the processing of risk-bearing entity is scored,
The t is the declaration form processing time for the risk-bearing entity that the operation note includes, and the T is according to the operation note meter
The declaration form of the risk-bearing entity of the third preset quantity of calculating handles average time, the e be the operation note include it is described
The processing error rate of risk-bearing entity, the p are turn processing probability for the risk-bearing entity that the operation note includes.
In embodiments of the present invention, by obtaining the policy information of declaration form to be allocated and the threshold of making loans of each risk-bearing entity
Value；The ratio for calculating the accumulative amount of making loans of each risk-bearing entity within a preset period of time and threshold value of making loans, as the ratio of making loans；It will
The risk-bearing entity that ratio of making loans is less than preset ratio threshold value is included into first and accepts group, conversely, then by risk-bearing entity be included into second by
Reason group；According to policy information, the declaration form classification of declaration form to be allocated is determined；If first, which accepts interior be not present of group, processes guarantor to be allocated
The risk-bearing entity of single declaration form classification, the then risk-bearing entity that the declaration form classification that declaration form to be allocated is processed in group is accepted second are made
It for candidate unit, and distributes into candidate unit a minimum risk-bearing entity of ratio of making loans declaration form to be allocated, is protected with improving
The resonable degree and the degree of automation singly distributed.
Fig. 5 is the schematic diagram for the terminal device that one embodiment of the invention provides.As shown in figure 5, the terminal of the embodiment is set
Standby 5 include：Processor 50, memory 51 and it is stored in the meter that can be run in the memory 51 and on the processor 50
Calculation machine program 52, for example, declaration form distribution program.The processor 50 is realized above-mentioned each when executing the computer program 52
Step in the distribution method embodiment of declaration form, such as step 101 shown in FIG. 1 is to 108.Alternatively, the processor 50 executes
The function of each module/unit in above-mentioned each device embodiment, such as unit 401 shown in Fig. 4 are realized when the computer program 52
To 407 function.
Illustratively, the computer program 52 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 51, and are executed by the processor 50, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 52 in the terminal device 5 is described.
The terminal device 5 can be that the calculating such as desktop PC, notebook, palm PC and cloud server are set
It is standby.The terminal device may include, but be not limited only to, processor 50, memory 51.It will be understood by those skilled in the art that Fig. 5
The only example of terminal device 5 does not constitute the restriction to terminal device 5, may include than illustrating more or fewer portions
Part either combines certain components or different components, such as the terminal device can also include input-output equipment, net
Network access device, bus etc..
Alleged processor 50 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), application-specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng.
The memory 51 can be the internal storage unit of the terminal device 5, such as the hard disk of terminal device 5 or interior
It deposits.The memory 51 can also be to be equipped on the External memory equipment of the terminal device 5, such as the terminal device 5
Plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card dodge
Deposit card (Flash Card) etc..Further, the memory 51 can also both include the storage inside list of the terminal device 5
Member also includes External memory equipment.The memory 51 is for storing needed for the computer program and the terminal device
Other programs and data.The memory 51 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each work(
Can unit, module division progress for example, in practical application, can be as needed and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device are divided into different functional units or module, more than completion
The all or part of function of description.Each functional unit, module in embodiment can be integrated in a processing unit, also may be used
It, can also be above-mentioned integrated during two or more units are integrated in one unit to be that each unit physically exists alone
The form that hardware had both may be used in unit is realized, can also be realized in the form of SFU software functional unit.In addition, each function list
Member, the specific name of module are also only to facilitate mutually distinguish, the protection domain being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can be stored in a computer read/write memory medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of flow in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to aforementioned reality
Applying example, invention is explained in detail, it will be understood by those of ordinary skill in the art that：It still can be to aforementioned each
Technical solution recorded in embodiment is modified or equivalent replacement of some of the technical features；And these are changed
Or replace, the spirit and scope for various embodiments of the present invention technical solution that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of distribution method of declaration form, which is characterized in that including：
Obtain the policy information of declaration form to be allocated and the threshold value of making loans of each risk-bearing entity；
The ratio for calculating each risk-bearing entity accumulative amount of making loans within a preset period of time and the threshold value of making loans, as putting
Money ratio；
The ratio of making loans is included into first less than the risk-bearing entity of preset ratio threshold value and accepts group, the ratio of making loans is more than
Or it is included into second equal to the risk-bearing entity of the proportion threshold value and accepts group；
According to the policy information, the declaration form classification of the declaration form to be allocated is determined by K nearest neighbor algorithms；
The described first operation note for accepting risk-bearing entity in group is obtained, the operation note is for having recorded the risk-bearing entity
The policy information of the declaration form of processing；
If according to the operation note, described first accepts the guarantor that there is the declaration form classification for processing the declaration form to be allocated in group
Dangerous unit then calculates the described first processing scoring for accepting each risk-bearing entity in group based on the operation note, and will be described
Declaration form to be allocated is distributed to the highest risk-bearing entity of processing scoring；
It, will be described if described first accepts the risk-bearing entity that the declaration form classification for processing the declaration form to be allocated is not present in group
Second accepts a risk-bearing entity for the declaration form classification that the declaration form to be allocated is processed in group as candidate unit, and is waited for described point
The minimum risk-bearing entity of ratio of making loans is distributed into the candidate unit with declaration form.
2. the distribution method of declaration form as described in claim 1, which is characterized in that exist in each risk-bearing entity of calculating
The ratio of the accumulative amount of making loans in preset time period and the threshold value of making loans further includes before the ratio of making loans：
The risk-bearing entity of first preset quantity is reached into the ratio threshold since being reset the accumulative amount of making loans to the ratio of making loans
Average duration needed for value, as the preset time period.
3. the distribution method of declaration form as described in claim 1, which is characterized in that it is described according to the policy information, most by K
Nearest neighbor algorithm determines the declaration form classification of the declaration form to be allocated, including：
Obtain the policy information and the corresponding class label of the sample declaration form of multiple sample declaration forms；
The policy information of the declaration form to be allocated is converted into test matrix, and the policy information of the sample declaration form is converted to
Training matrix, and it is based on the corresponding class label of the sample declaration form, establish the correspondence of training matrix and class label；
Calculate the test matrix to each training matrix manhatton distance；
The class label corresponding with the training matrix of manhatton distance minimum of the test matrix of second preset quantity is made
For candidate categories, and the highest candidate categories of ratio will occur as the declaration form classification of the declaration form to be allocated.
4. the distribution method of declaration form as described in claim 1, which is characterized in that the acquisition described first accepts insurance in group
The operation note of unit, including：
Preset web database is obtained, determines each webpage and the risk-bearing entity in the preset web database
The degree of correlation；
The degree of correlation of crawl and the risk-bearing entity is greater than or equal to the content in the webpage of default relevance threshold, generates content
Database searches for the operation note of risk-bearing entity using depth-first sequence in the content data base；
The degree of correlation of the determination each webpage and the risk-bearing entity in the preset web database, including：
Word segmentation processing is carried out to the content of each webpage in the preset web database, to generate the corresponding word of each webpage
Language set；
Pass through formula：Calculate probability parameter of the risk-bearing entity in each webpage, wherein the YiFor
Probability parameter of the risk-bearing entity in webpage i, the niFor appearance of the risk-bearing entity in the corresponding set of words of webpage i
Number, kiFor the word summation contained in the corresponding set of words of webpage i, the h is the net for including in the web database
The quantity summation of page, the b are the quantity of the webpage comprising the risk-bearing entity in the web database；
According to the correspondence in preset probability parameter section and the degree of correlation, determine that the risk-bearing entity is related to each webpage
Degree.
5. the distribution method of declaration form as described in claim 1, which is characterized in that described to be then based on operation note calculating institute
The first processing scoring for accepting each risk-bearing entity in group is stated, including：
If the declaration form classification of the untreated declaration form to be allocated of risk-bearing entity, the processing of the risk-bearing entity is scored
It is set as 0；
If the risk-bearing entity processes the declaration form classification of the declaration form to be allocated, pass through formula：S=1- (t ÷ T)-(e+p)
The processing scoring of the risk-bearing entity is calculated, the S is that the processing of risk-bearing entity is scored, and the t is that the operation note includes
The risk-bearing entity declaration form processing time, the T is according to the guarantor of the calculated third preset quantity of the operation note
The declaration form of dangerous unit handles average time, and the e is the processing error rate for the risk-bearing entity that the operation note includes, institute
State turn processing probability that p is the risk-bearing entity that the operation note includes.
6. a kind of terminal device, including memory and processor, it is stored with and can transports on the processor in the memory
Capable computer program, which is characterized in that when the processor executes the computer program, realize following steps：
Obtain the policy information of declaration form to be allocated and the threshold value of making loans of each risk-bearing entity；
The ratio for calculating each risk-bearing entity accumulative amount of making loans within a preset period of time and the threshold value of making loans, as putting
Money ratio；
The ratio of making loans is included into first less than the risk-bearing entity of preset ratio threshold value and accepts group, the ratio of making loans is more than
Or it is included into second equal to the risk-bearing entity of the proportion threshold value and accepts group；
According to the policy information, the declaration form classification of the declaration form to be allocated is determined by K nearest neighbor algorithms；
The described first operation note for accepting risk-bearing entity in group is obtained, the operation note is for having recorded the risk-bearing entity
The policy information of the declaration form of processing；
If according to the operation note, described first accepts the guarantor that there is the declaration form classification for processing the declaration form to be allocated in group
Dangerous unit then calculates the described first processing scoring for accepting each risk-bearing entity in group based on the operation note, and will be described
Declaration form to be allocated is distributed to the highest risk-bearing entity of processing scoring；
It, will be described if described first accepts the risk-bearing entity that the declaration form classification for processing the declaration form to be allocated is not present in group
Second accepts a risk-bearing entity for the declaration form classification that the declaration form to be allocated is processed in group as candidate unit, and is waited for described point
The minimum risk-bearing entity of ratio of making loans is distributed into the candidate unit with declaration form.
7. terminal device as claimed in claim 6, which is characterized in that calculate each risk-bearing entity when default described
Between the ratio of the accumulative amount of making loans and the threshold value of making loans in section further include before the ratio of making loans：
The risk-bearing entity of first preset quantity is reached into the ratio threshold since being reset the accumulative amount of making loans to the ratio of making loans
Average duration needed for value, as the preset time period.
8. terminal device as claimed in claim 6, which is characterized in that it is described according to the policy information, it is calculated by K arest neighbors
Method determines the declaration form classification of the declaration form to be allocated, including：
Obtain the policy information and the corresponding class label of the sample declaration form of multiple sample declaration forms；
The policy information of the declaration form to be allocated is converted into test matrix, and the policy information of the sample declaration form is converted to
Training matrix, and it is based on the corresponding class label of the sample declaration form, establish the correspondence of training matrix and class label；
Calculate the test matrix to each training matrix manhatton distance；
The class label corresponding with the training matrix of manhatton distance minimum of the test matrix of second preset quantity is made
For candidate categories, and the highest candidate categories of ratio will occur as the declaration form classification of the declaration form to be allocated.
9. terminal device as claimed in claim 6, which is characterized in that described to be then based on operation note calculating described first
The processing scoring of each risk-bearing entity in group is accepted, including：
If the declaration form classification of the untreated declaration form to be allocated of risk-bearing entity, the processing of the risk-bearing entity is scored
It is set as 0；
If the risk-bearing entity processes the declaration form classification of the declaration form to be allocated, pass through formula：S=1- (t ÷ T)-(e+p)
The processing scoring of the risk-bearing entity is calculated, the S is that the processing of risk-bearing entity is scored, and the t is that the operation note includes
The risk-bearing entity declaration form processing time, the T is according to the guarantor of the calculated third preset quantity of the operation note
The declaration form of dangerous unit handles average time, and the e is the processing error rate for the risk-bearing entity that the operation note includes, institute
State turn processing probability that p is the risk-bearing entity that the operation note includes.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, feature to exist
In when the computer program is executed by processor the step of any one of such as claim 1 to 5 of realization the method.
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Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107688888A (en) * | 2017-06-13 | 2018-02-13 | 平安科技（深圳）有限公司 | Declaration form distribution method, device, storage medium and computer equipment |
| CN107730389A (en) * | 2017-09-30 | 2018-02-23 | 平安科技（深圳）有限公司 | Electronic installation, insurance products recommend method and computer-readable recording medium |
| CN107784590A (en) * | 2017-02-16 | 2018-03-09 | 平安科技（深圳）有限公司 | The appraisal procedure and device of a kind of claim reserve |
| CN107798592A (en) * | 2017-06-09 | 2018-03-13 | 平安科技（深圳）有限公司 | Calculate the method and apparatus of commission |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107784590A (en) * | 2017-02-16 | 2018-03-09 | 平安科技（深圳）有限公司 | The appraisal procedure and device of a kind of claim reserve |
| CN107798592A (en) * | 2017-06-09 | 2018-03-13 | 平安科技（深圳）有限公司 | Calculate the method and apparatus of commission |
| CN107688888A (en) * | 2017-06-13 | 2018-02-13 | 平安科技（深圳）有限公司 | Declaration form distribution method, device, storage medium and computer equipment |
| CN107730389A (en) * | 2017-09-30 | 2018-02-23 | 平安科技（深圳）有限公司 | Electronic installation, insurance products recommend method and computer-readable recording medium |
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