CN109785175A - Insurance underwriting control method, device, computer equipment and storage medium - Google Patents
Insurance underwriting control method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a kind of insurance underwriting control method, device, computer equipment and storage mediums, include the following steps: the personal information for obtaining the user that insures, wherein, personal information includes insure the Claims Resolution history information and administrative penalty information of user；It is carried out calculating the credit grade information for generating the user that insures according to Claims Resolution history information and administrative penalty information of the preset risk assessment algorithm to the user that insures；Target declaration form corresponding with credit grade information is chosen in preset insurance data library according to credit grade information and distributes to the user that insures.The embodiment of the present invention generates the credit grade information of the user that insures by the Claims Resolution history information and administrative penalty information that obtain the user that insures, corresponding target declaration form is chosen further according to the credit grade information for the user that insures to distribute to the user that insures, by adjusting strategy of accepting insurance according to the credit for the user that insures, risk covered can be effectively reduced.
Description
Technical field
The present embodiments relate to insurance underwriting technical field, especially a kind of insurance underwriting control method, device, calculating
Machine equipment and storage medium.
Background technique
With the improvement of living standards, people increasingly pay close attention to various insurances, insurance refers to based on contract insurer arranges,
To insurer's premium payment, the accident that the possibility of contract engagement occurs for the insurer is because of its property loss caused by occurring
It undertakes compensation insurance gold responsibility or insurant's die, injured or disabled, suffer diseases or reaches the items such as the age of contract engagement, time limit
The business insurance behavior that payment insurance money responsibility is undertaken when part, to be provided safeguard for future life.
When insurer insures, insurance company carries out insurance underwriting business according to the data that insurer submits, still
Do not have in underwriting procedures insurer's prestige and in terms of verification, the prestige of insurer is poor to improve the wind accepted insurance
Danger, or even there is insurance fraud situation, it causes damages to insurance company.
Summary of the invention
The embodiment of the present invention provides a kind of insurance underwriting by carrying out credit evaluation to insurer and adjusting underwriting conditions
Control method, device, computer equipment and storage medium.
In order to solve the above technical problems, the technical solution that the embodiment of the invention uses is: providing a kind of guarantor
Danger is accepted insurance control method, is included the following steps:
Obtain the personal information for the user that insures, wherein the personal information includes the Claims Resolution history note of the user that insures
Record information and administrative penalty information；
The Claims Resolution history information of the user that insures and administrative penalty are believed according to preset risk assessment algorithm
Cease the credit grade information for the user that insure described in calculating generation；
It is chosen in preset insurance data library according to the credit grade information corresponding with the credit grade information
Target declaration form distribute to the user that insures.
Optionally, further include such as following step before the step of personal information for obtaining the user that insures:
Obtain preset insurance application program first interface information and preset administrative information release application program
Second interface information；
It is sent out respectively with the insurance application program and administrative information according to the first interface information and second interface information
The association of cloth application program.
Optionally, the step of personal information for obtaining the user that insures, including such as following step:
It insures described in acquisition the identity information of user；
According to the identity information respectively from the associated insurance application program and administrative information release application program
Obtain the Claims Resolution history information and administrative penalty information.
Optionally, insure described in the acquisition user identity information the step of, further include such as following step:
It insures described in acquisition the facial image of user；
The facial image is input in preset human face recognition model, wherein the human face recognition model is training
To convergent convolutional neural networks model；
Obtain the identity information of the user that insures of the human face recognition model output.
Optionally, it is described according to preset risk assessment algorithm to the Claims Resolution history information of the user that insures and
Administrative penalty information insure described in calculating generation user credit grade information the step of, including such as following step:
Obtain the unreasonable Claims Resolution application record information in the Claims Resolution history information；
The user that insures is divided to according to the unreasonable Claims Resolution application record information and administrative penalty information pre-
If credit blacklist in.
Optionally, described to be chosen in preset insurance data library according to the credit grade information and the credit grade
The corresponding target declaration form of information distribute to it is described insure user the step of, including such as following step:
Obtain the risk assessment grade for the user that insures described in the credit blacklist；
It is searched and the risk assessment grade phase in preset prompting message database according to the risk assessment grade
Corresponding target prompting message is prompted.
Optionally, described to be searched in preset prompting message database according to the risk assessment grade and the risk
After the step of corresponding target prompting message of evaluation grade is prompted, further includes:
The risk assessment grade is compared with preset risk threshold value；
When the risk assessment grade is greater than the risk threshold value, the user that insures is concluded to refusal and is accepted insurance user
In list, with the insurance business for the user that insures described in refusal.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of insurance underwriting control device, comprising:
First obtains module, for obtaining the personal information for the user that insures, wherein the personal information includes described insures
The Claims Resolution history information and administrative penalty information of user；
First processing module, for being believed according to Claims Resolution historical record of the preset risk assessment algorithm to the user that insures
Breath and administrative penalty information insure described in calculating generation the credit grade information of user；
First execution module, for being chosen in preset insurance data library according to the credit grade information and the letter
The user that insures is distributed to the corresponding target declaration form of class information.
Optionally, further includes:
Second obtains module, and the first interface information and preset administration for obtaining preset insurance application program are believed
Cease the second interface information of release application program；
Second execution module, for being applied respectively with the insurance according to the first interface information and second interface information
Program is associated with administrative information release application program.
Optionally, further includes:
First acquisition submodule, for obtaining the identity information of the user that insures；
First implementation sub-module is used for according to the identity information respectively from the associated insurance application program and administration
The Claims Resolution history information and administrative penalty information are obtained in information release application program.
Optionally, further includes:
Second acquisition submodule, for obtaining the facial image of the user that insures；
Second implementation sub-module, for the facial image to be input in preset human face recognition model, wherein described
Human face recognition model is to train to convergent convolutional neural networks model.
Third acquisition submodule, for obtaining the identity information for the user that insures described in the human face recognition model output.
Optionally, further includes:
4th acquisition submodule, for obtaining the unreasonable Claims Resolution application record letter in the Claims Resolution history information
Breath；
Third implementation sub-module, for according to the unreasonable Claims Resolution application record information and administrative penalty information by institute
The user that insures is stated to be divided in preset credit blacklist.
Optionally, further includes:
5th acquisition submodule, for obtaining the risk assessment grade for the user that insures described in the credit blacklist；
4th implementation sub-module, for being searched in preset prompting message database according to the risk assessment grade and
The corresponding target prompting message of the risk assessment grade is prompted.
Optionally, further includes:
Submodule is compared, for the risk assessment grade to be compared with preset risk threshold value；
5th implementation sub-module is used for when the risk assessment grade is greater than the risk threshold value, by the use of insuring
Family concludes to refusal and accepts insurance in user list, with the insurance business for the user that insures described in refusing.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of computer equipment, including memory and processing
Device is stored with computer-readable instruction in the memory, when the computer-readable instruction is executed by the processor, so that
The processor executes the step of above-mentioned insurance underwriting control method.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of storage Jie for being stored with computer-readable instruction
Matter, when the computer-readable instruction is executed by one or more processors, so that one or more processors execute above-mentioned guarantor
The step of control method of nearly accepting insurance.
The personal information of the embodiment of the present invention having the beneficial effect that by obtaining the user that insures, the reason including the user that insures
History information and administrative penalty information are paid for, then according to risk assessment algorithm to the Claims Resolution history information and administrative service
Penalize information to be calculated, Claims Resolution history information be insure the insurance bought before user and the Claims Resolution information generated, including
It settles a claim time, the Claims Resolution information such as item and amount for which loss settled, administrative penalty information is law court or other government offices to insuring
The decision on administrative sanctions that user makes calculates the Claims Resolution history information and administrative penalty information to generate the user that insures
Credit grade information, choose corresponding target declaration form further according to the credit grade information for the user that insures to distribute to use of insuring
Risk covered can be effectively reduced by adjusting strategy of accepting insurance according to the credit for the user that insures in family.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those skilled in the art, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is the basic procedure schematic diagram of insurance underwriting of embodiment of the present invention control method；
Fig. 2 is the flow diagram that the embodiment of the present invention obtains external application China National Investment & Guaranty Corp. user information；
Fig. 3 is the flow diagram for the personal information that the embodiment of the present invention obtains the user that insures；
Fig. 4 is the flow diagram for the identity information that the embodiment of the present invention obtains the user that insures；
Fig. 5 is the flow diagram for the credit grade that the embodiment of the present invention calculates the user that insures；
Fig. 6 is the flow diagram that insurance risk of the embodiment of the present invention is reminded；
Fig. 7 is that the embodiment of the present invention refuses flow diagram single out；
Fig. 8 is insurance underwriting of embodiment of the present invention control device basic structure schematic diagram；
Fig. 9 is computer equipment of embodiment of the present invention basic structure block diagram.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Embodiment 1
It is the basic procedure schematic diagram of the present embodiment insurance underwriting control method referring specifically to Fig. 1, Fig. 1.
As shown in Figure 1, a kind of insurance underwriting control method, includes the following steps:
S1100, the personal information for obtaining the user that insures, wherein the personal information includes the Claims Resolution of the user that insures
History information and administrative penalty information；
When insurer insures, the personal information of user of insuring first is obtained, which includes that the insure Claims Resolution of user is gone through
The Records of the Historian records information and administrative penalty information, wherein Claims Resolution history information is the insurance bought before insuring user and generates
Claims Resolution information, including Claims Resolution time, the Claims Resolution information such as item and amount for which loss settled, such as the user that insures bought vehicle before
Danger, and there is Claims Resolution to apply within the validity period of the vehicle insurance, temporal information, the user that insures including Claims Resolution apply for that the item of Claims Resolution is former
The amount of money being related to during cause, Claims Resolution and the responsible person's information for handling the Claims Resolution application etc.；Administrative penalty information is law court
Or the decision on administrative sanctions that other government offices make the user that insures, such as the user that insures does due to Credit Deficiency by law court
The decision of penalty processing out can pass through insurance application program and administrative information release application program or net when implementing
It stands and obtains the Claims Resolution history information and disciplinary management information of the user that insures.
S1200, the Claims Resolution history information according to preset risk assessment algorithm to the user that insures and administration
Punishment information insure described in calculating generation the credit grade information of user；
After the personal information for obtaining the user that insures, the Claims Resolution history in the personal information is remembered by risk assessment algorithm
Record information and administrative penalty information calculate the credit grade information for the user that insures, and when implementing, risk assessment algorithm is in system
The preset tool for being assessed the credit grade of insurer, risk assessment (Risk Assessment) refers to, in wind
(but without terminating) before or after dangerous event generation, which causes to various aspects such as people's lives, life, properties
Influence and loss a possibility that carry out quantitative evaluation work, risk Factor Analysis method, Qualitative risk evaluation assessment can be passed through
Or relative risk risk assessment method assesses the credit grade for the user that insures, wherein risk Factor Analysis method refers to can
The factor that risk can be caused to occur carries out evaluation analysis, so that it is determined that the methods of risk assessment of risk probability of happening size, one
As thinking be: investigation risk source, identification risk conversion condition, determine whether conversion condition has, calculated risk occur consequence
And risk assessment；Relative risk risk assessment method is one of Quantitative Risk Evaluation method, its basic ideas are: first calculating outlet air
Dangerous rate, then relative risk compared with risk safety index, if relative risk is greater than risk safety index, system is in risk
State, two data difference is bigger, and risk is bigger.
Relative risk is equal to the average loss that the frequency that risk occurs occurs multiplied by risk, and risk of loss includes invisible loss,
Invisible loss can convert by certain standard or be calculated by the amount of money.Risk safety index is then in a large amount of experience accumulation and system
On the basis of counting operation, it is contemplated that scientific and technological level at that time, socio-economic conditions, Legal factors in building of digitized and people it is psychological because
The universal acceptable priming the pump rate that element etc. determines.Relative risk risk assessment method can be in Certified Public Accountants Firm and registration meeting
It is used in meter teacher's Industry risk management.
S1300, it is chosen in preset insurance data library according to the credit grade information and the credit grade information
Corresponding target declaration form distributes to the user that insures.
After calculating the credit grade information for the user that insures, chosen in insurance data library according to the credit grade information
Target declaration form simultaneously distributes to the user that insures, and when implementing, insurance data library is preset for storage and management insurance policy
Warehouse is stored with multiple insurance policies for being provided with different underwriting conditions, the cover note insurance slip of insurance policy in the insurance data library
Part corresponds to different credit grades, by taking insurance data library includes the first declaration form, the second declaration form and third declaration form as an example, first guarantor
Single, the second declaration form and the corresponding credit grade of third declaration form are respectively outstanding, good and general, such as when the credit for the user that insures
When grade has outstanding, system chooses the first declaration form in insurance data library and distributes to the user that insures, and when the credit for the user that insures
Grade is to be usually, and system chooses third declaration form in insurance data library and distributes to the user that insures, can be according to the letter for the user that insures
With level adjustment underwriting conditions.
In one embodiment, in the personal information for the user that insures administrative penalty information judgement insure user whether
There are problems that prestige, specifically, by taking the user that insures evades taxes as an example, law court's penalty user that insures hands in the fund of tax dodging retroactively and to insuring
User has outputed the administrative penalty of fine, as the user in preset time period after law court outputs administrative penalty of insuring (such as 15
It, 30 days or 40 days) handed in retroactively and evaded taxes and the fund of fine, then judge that the user that insures does not have prestige, and work as
The user that insures surpasses after law court outputs administrative penalty does not have prestige, selects according to user is insured with the presence or absence of prestige problem
It takes the insurance policy of different underwriting conditions to distribute to the user that insures, such as improves and insure for the user that insures that there are problems that prestige
The amount of money of declaration form and to not there are problems that prestige insure user reduce insurance policy the amount of money, to reduce risk covered.
The present embodiment passes through the personal information for obtaining the user that insures, Claims Resolution history information and row including the user that insures
Information is punished in political affairs, is then calculated according to risk assessment algorithm the Claims Resolution history information and administrative penalty information, is managed
Paying for history information is to insure the insurance bought before user and the Claims Resolution information generated, including Claims Resolution time, Claims Resolution item
And the information such as amount for which loss settled, administrative penalty information are the administrative penalty that law court or other government offices make the user that insures
It determines, calculates the Claims Resolution history information and administrative penalty information to generate the credit grade information of the user that insures, then
Corresponding target declaration form is chosen to distribute to the user that insures, by according to the user that insures according to the credit grade information for the user that insures
Credit adjustment accept insurance strategy, risk covered can be effectively reduced.
In one alternate embodiment, referring to Fig. 2, Fig. 2 is that one embodiment of the invention obtains in external application
The idiographic flow schematic diagram for user information of insuring.
As shown in Fig. 2, further including such as following step before step 1100:
S1010, the first interface information for obtaining preset insurance application program and the publication application of preset administrative information
The second interface information of program；
The data-interface of the preset insurance application program of first interface information representation, the preset row of second interface information representation
The data-interface of political affairs information release application program, system can be respectively associated by the first interface information and second interface information
To insurance application program and administrative information release application program, applied to realize with insurance application program and administrative information publication
Data connection between program, and then insurance record relevant to the user that insures in insurance application program is obtained, including insurance produces
The name of an article claims and settles a claim history information etc., while also opposite with the user that insures in available administrative information release application program
The administrative penalty information answered the reason of including administrative penalty, processing result, the time for making decision for punishment and executes the time
Deng, implement when, by insurance application program be group, Pingan Insurance under insurance APP for, insurance APP can expose
API (Application Programming Interface, application programming interface) data-interface, connects according to the data
Mouth can be connect with insurance APP.Administrative penalty information can also be obtained by preset service sunshine police system queries, with Shanghai City
For, it can be attached by the service sunshine police hall of preset link and Shanghai public security system to letter needed for inquiry
Breath, such as pass through http: // 110.249.218.78/laws/webhb/xzcf_index.aspx is connected to Shanghai public security system
Service sunshine police hall.
S1020, according to the first interface information and second interface information respectively with the insurance application program and administration
The association of information release application program.
After obtaining first interface information and second interface information, system is believed according to the first interface information and second interface
Breath is associated and connect with insurance application program and administrative information release application program respectively, so as in insurance application program
With Claims Resolution history information corresponding with the user that insures and administrative service are obtained in administrative information release application program respectively
Penalize information.
When implementing, system can also be connected by obtaining the interface message of external application with external application
It connects, such as external application is buying car correlation APP, system APP connection related to the buying car user that obtained and insured is related
Purchase, repair and sell the relevant information of vehicle, such as the information that the user that insures has purchased new car is obtained by the APP,
And be added to the information in the personal information for the user that insures, system pushes vehicle according to the relevant information that the user that insures purchases new car
The insurance information of danger meets the needs of insuring user to the user that insures.
In another alternative embodiment, referring to Fig. 3, Fig. 3 is that one embodiment of the invention obtains the user that insures
The basic procedure schematic diagram of people's information.
As shown in figure 3, step 1100 includes such as following step:
It insures described in S1110, acquisition the identity information of user；
Identity information is the proof of identification information of user of insuring, and includes but is not limited to the insure name and identity card of user
The information such as number, when implementing, the identity information for the user that insures can be held by user oneself operation input, such as present invention insurance
Protection and control method is applied on smart machine, which includes display, and system shows body to user by the display
Part information input interface, the user that insures input corresponding identity information, such as identity letter in the identity information input interface
Ceasing in input interface includes name input field and ID card No. input field, and the user that insures can be in the name input field and identity
Name and ID card No. are inputted in card number input field respectively, the input of system monitoring users, which is operated, insures user's to obtain
Identity information.It is, of course, also possible to obtain the identity information for the user that insures using voice mode, such as the voice letter of acquisition user
It ceases, the name information and ID card No. information, system including the user that insures in the voice messaging are obtained by speech recognition technology
The identity information for the user that insures is taken, speech recognition technology is exactly to allow machine that voice signal is changed by identification and understanding process
Corresponding text or the technology of order.
S1120, it is applied respectively from the associated insurance application program and administrative information publication according to the identity information
The Claims Resolution history information and administrative penalty information are obtained in program.
After the identity information for obtaining the user that insures, system, as search condition, is being associated with respectively according to the identity information
Insurance application program and administrative information release application program scan for, thus obtain it is corresponding with the user that insures settle a claim go through
The Records of the Historian records information and administrative penalty information, and by taking the user that insures is Zhang San as an example, system obtains the identity information of Zhang San, then basis
The ID card No. of Zhang San searches for the Claims Resolution history information of insurance products relevant to Zhang San in insurance application program, and
Administrative penalty information relevant to Zhang San is searched in administrative information release application program according to the ID card No. of Zhang San, it can be quasi-
Really inquire Claims Resolution history information relevant to the user that insures and administrative penalty information.
In one alternate embodiment, referring to Fig. 4, Fig. 4 is the identity that one embodiment of the invention obtains the user that insures
The basic procedure schematic diagram of information.
As shown in figure 4, step 1110 includes such as following step:
It insures described in S1111, acquisition the facial image of user；
Facial image refers to the Facial Expression Image for the user that insures, when implementing, with insurance underwriting control method of the present invention
The intelligent terminal of application is provided with for camera, and system may be used also certainly by the facial image that camera acquires the user that insures
To acquire the facial image for the user that insures, such as the front camera or rear camera of smart phone by user terminal,
System obtains the Facial Expression Image that user terminal acquires the user that insures by camera.When implementing, can by taking pictures or
The mode that person shoots the video obtains the facial image for the user that insures, and the facial image for the user that insures is obtained in a manner of by shooting the video
For, system shoots user to obtain target video by the camera being set on smart phone, and system can pass through
Video processing software (such as OpenCV) handles target video, and target video is split as several frame pictures, by fixed
When acquisition mode picture image is extracted from target video.Such as one is extracted in target video with 0.5 second one speed
Then Target Photo randomly selects face of the Target Photo as the user that insures again in obtained several Target Photos
Image；But it is not limited to this, according to the difference of concrete application scene, the speed for acquiring picture image is able to carry out adaptability
Adjustment, Adjustment principle are that system processing capacity is stronger and the tracking more high then acquisition time of accuracy requirement is shorter, reach and take the photograph
As equipment acquisition image Frequency Synchronization when until；Otherwise, then acquisition time interval is longer, but longest acquisition time interval must not
More than 1s.It is of course also possible to directly randomly select a picture in several frame pictures of target video as insuring user's
Facial image.
S1112, the facial image is input in preset human face recognition model, wherein the human face recognition model
For training to convergent convolutional neural networks model；
Human face recognition model is the tool of the pre-set facial image for identification of system, when implementing, be can be used
LSTM network (shot and long term remembers artificial nerve network model, LongShort-Term Memory) is used as neural network model.
LSTM network is controlled discarding by " door " (gate) or increases information, to realize the function of forgetting or memory." door " is
A kind of structure passing through header length is operated and is formed by a sigmoid (S sigmoid growth curve) function and a dot product.
The output valve of sigmoid function represents discarding completely in [0,1] section, 0, and 1 representative passes through completely.It trains to convergent nerve net
Network model has the classifier that can identify facial image, wherein human face recognition model includes above-mentioned neural network model, should
Neural network model includes N+1 classifier, and N is positive integer.
Specifically, by the way that facial image to be input in preset human face recognition model, facial image is obtained in classifier
In classification results, wherein classification results include the confidence of the classification of facial image corresponding identity information and identity information classification
It spends (Confidence).Wherein, the confidence level of identity information classification refers to that facial image is screened by human face recognition model
After classification, facial image, which is classified into more than one identity information classification and obtains facial image, accounts for identity information classification
Percentage value.Due to finally obtaining the corresponding identity information of facial image as one kind, therefore need each of same facial image
The confidence level of identity information classification is compared, for example, system acquisition is classified into Zhang San's to the facial image for the user that insures
Confidence level is 0.95, and the confidence level for being classified into Li Si is 0.55.
Then the confidence level is compared with preset first threshold, when the confidence level is greater than preset first threshold
When, confirm that identity information classification results that the confidence level is characterized are the identity information of user of insuring.Preset first threshold
The numerical value being traditionally arranged to be between 0.9 to 1.By filtering out emotional information of the confidence level greater than first threshold as final body
The identity information that part information classification results, i.e. confirmation confidence level are characterized.For example, when preset first threshold is 0.9, and
Insure user facial image be classified into Zhang San confidence level be 0.95, due to 0.95 > 0.9, so the facial image institute table
The identity information of sign is the personally identifiable information of Zhang San.
S1113, the identity information for obtaining the user that insures that the human face recognition model exports.
Human face recognition model exports the personally identifiable information for the user that insures after identifying to the facial image for the user that insures,
By the way that facial image to be input in preset human face recognition model, and obtain the body of the facial image of human face recognition model output
The confidence level of part information classification, when confidence level is greater than preset first threshold value, the identity information that confirmation confidence level is characterized is classified
It as a result is the personally identifiable information for the user that insures, to improve the identity information classification accuracy of identification facial image.In reality
Shi Shi, when human face recognition model recognizes the name for the user that insures according to the facial image for the user that insures, acceptable basis should
Name searches userspersonal information corresponding with the name in preset customer data base, which includes using
Name, identification card number, home address, work unit, learning experiences and the administrative penalty information at family etc..
In one alternate embodiment, referring to Fig. 5, Fig. 5 is the credit that one embodiment of the invention calculates the user that insures
The basic procedure schematic diagram of grade.
As shown in figure 5, step 1200 includes such as following step:
Unreasonable Claims Resolution application record information in S1210, the acquisition Claims Resolution history information；
Judgement insure user credit grade when, can also basis insure user Claims Resolution history information in not
Rationally the judgement of Claims Resolution application record information insures user with the presence or absence of prestige problem, wherein unreasonable Claims Resolution application record information
It is abnormal Claims Resolution application of the user in the insurance products bought in the past of insuring, such as insurance fraud (Insurance Fraud) behavior, with medical treatment
For danger, for the user that insures there are the insurance fraud behavior record of medical insurance, which is specially that the user that insures makes use of not
The applications such as case history, medical certificate, charge bill, discharge abstract and the expense detail form of people reimbursement.
S1220, the user that insures is drawn according to the unreasonable Claims Resolution application record information and administrative penalty information
Divide into preset credit blacklist.
It is when in the Claims Resolution history information for the user that insures including unreasonable Claims Resolution application record information, this is unreasonable
Claims Resolution application record information and the administrative penalty information user that will insure are classified in credit blacklist, in credit blacklist
User can refuse single out or the insurance personnel of handling is reminded to notice that insurance risk even adjusts the insurance for being pushed to the user that insures
The underwriting conditions of product.For example: when insuring user, there are unreasonable Claims Resolution application record, still there is no settling a claim and throw
When warranty family does not have prestige problem disclosed in law court, the user that insures is included in the first kind user in credit blacklist, throwing is worked as
Warranty family has unreasonable Claims Resolution application record, and still there is no settling a claim and there are when prestige, will insure disclosed in law court
User is included in the second class user in credit blacklist, when the user that insures there are unreasonable Claims Resolution application record and has generation reason
It pays for but the user that insures is not when having prestige problem disclosed in law court, the user that insures is included in the third class in credit blacklist and is used
In family, and when the user that insures has that unreasonable Claims Resolution application record generates Claims Resolution and has prestige disclosed in law court, it will throw
Warranty family is included in the 4th class user in credit blacklist, is accepted insurance respectively for inhomogeneous user, such as the
A kind of user and the second class user can distribute target declaration form to the user that insures, wherein the target declaration form of first kind user and the
The underwriting conditions of the target declaration form of two class users are different, for example, first kind user target declaration form on the basis of general warrant
Increasing by 50% insurance premium, the target declaration form of the second class user increases by 80% insurance premium on the basis of general warrant, for
Third class user and the 4th class user can refuse list out, but refuse to set up out and be equipped with different conditions, such as third
Class user refuses single out in 2 years and third class user is refused in 5 years single out.
In one alternate embodiment, referring to Fig. 6, Fig. 6 is the base that one embodiment of the invention China National Investment & Guaranty Corp. risk is reminded
This flow diagram.
As shown in fig. 6, step S1300 includes such as following step:
S1310, the risk assessment grade for obtaining the user that insures described in the credit blacklist；
Risk assessment grade be to the assessment of the risk covered of the user that insures each in credit blacklist, can be with when implementing
Risk assessment is carried out to the user that insures in credit blacklist according to the mode in above-described embodiment, it is, of course, also possible to only basis
Law court discloses the problematic staff list information of prestige and carries out risk assessment.
S1320, it is searched in preset prompting message database according to the risk assessment grade and the risk assessment
The corresponding target prompting message of grade is prompted.
Target prompting message is searched in prompting message database according to risk assessment grade and is insured and handles personnel's progress
Prompt, prompting message database is the preset warehouse for storage and management prompting message in system, in prompting message data
The prompting message that store corresponding different risk assessment grades in library, when implementing, to include first in prompting message database
For prompting message, the second prompting message, third prompting message and the 4th prompting message, the first prompting message, second remind letter
Breath, third prompting message and the 4th prompting message respectively correspond the first order of risk assessment grade, the second level, the third level and the 4th
Grade then chooses the first prompting message as target prompting message to mention when the risk assessment grade for the user that insures is the first order
The awake insurance personnel of handling pay attention to the underwriting conditions of insurance products or refuse list out, to reduce risk covered.
In one alternate embodiment, referring to Fig. 7, Fig. 7 is to refuse basic flow single out in one embodiment of the invention
Journey schematic diagram.
As shown in fig. 7, step S1320 includes such as following step:
S1321, the risk assessment grade is compared with preset risk threshold value；
After the risk assessment grade for obtaining credit blacklist China National Investment & Guaranty Corp. user, by the risk assessment grade and risk threshold value
(such as 2,3 or 5) are compared, wherein a preset comparison numerical value in system when risk threshold value, when implementing, and the wind
Dangerous threshold value can also be adjusted by user, such as insurance handles personnel and adjusts the specific of risk threshold value according to company work article
Numerical value.
S1322, when the risk assessment grade be greater than the risk threshold value when, the user that insures is concluded to refusal and is held
It protects in user list, with the insurance business for the user that insures described in refusal.
When risk assessment grade is greater than the risk threshold value, the user that will insure is divided into refusal and accepts insurance in user list, from
And refuse to provide insurance business for the user that insures, what it is with risk assessment grade includes the first order, the second level, the third level and the 4th
Grade for, wherein the first order, the second level, the third level and the fourth stage successively characterize user prestige it is poorer, when risk assessment grade
Greater than risk threshold value, such as when risk threshold value is 3, by the user of the risk assessment grade of the corresponding third level and the third level conclude to
Refusal is accepted insurance in user list, and the system all users in user list that can refuse to accept insurance for the refusal provide insurance business, with
Reduce risk covered.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of insurance underwriting control device.
It is the present embodiment insurance underwriting control device basic structure schematic diagram referring specifically to Fig. 8, Fig. 8.
As shown in figure 8, a kind of insurance underwriting control device, comprising: first obtains module 2100, first processing module 2200
With the first execution module 2300, wherein the first acquisition module 2100 is used to obtain the personal information for the user that insures, wherein described
Personal information includes the Claims Resolution history information and administrative penalty information of the user that insures；First processing module 2200 is used
It is carried out according to Claims Resolution history information and administrative penalty information of the preset risk assessment algorithm to the user that insures
Calculate the credit grade information for the user that insures described in generating；First execution module 2300 according to the credit grade information for existing
Target declaration form corresponding with the credit grade information is chosen in preset insurance data library distributes to the user that insures.
The present embodiment passes through the personal information for obtaining the user that insures, Claims Resolution history information and row including the user that insures
Information is punished in political affairs, is then calculated according to risk assessment algorithm the Claims Resolution history information and administrative penalty information, is managed
Paying for history information is to insure the insurance bought before user and the Claims Resolution information generated, including Claims Resolution time, Claims Resolution item
And the information such as amount for which loss settled, administrative penalty information are the administrative penalty that law court or other government offices make the user that insures
It determines, calculates the Claims Resolution history information and administrative penalty information to generate the credit grade information of the user that insures, then
Corresponding target declaration form is chosen to distribute to the user that insures, by according to the user that insures according to the credit grade information for the user that insures
Credit adjustment accept insurance strategy, risk covered can be effectively reduced.
In some embodiments, insurance underwriting control device further include: second obtains module and the second execution module,
In, the second acquisition module is used to obtain the first interface information and the publication of preset administrative information of preset insurance application program
The second interface information of application program；Second execution module is used to be distinguished according to the first interface information and second interface information
It is associated with the insurance application program and administrative information release application program.
In some embodiments, insurance underwriting control device further include: the first acquisition submodule and first executes submodule
Block, wherein the first acquisition submodule is used to obtain the identity information of the user that insures；First implementation sub-module is used for according to institute
State identity information obtained from the associated insurance application program and administrative information release application program respectively it is described Claims Resolution go through
The Records of the Historian records information and administrative penalty information.
In some embodiments, insurance underwriting control device further include: the second acquisition submodule, the second implementation sub-module
With third acquisition submodule, wherein the second acquisition submodule is used to obtain the facial image of the user that insures；Second executes son
Module is for the facial image to be input in preset human face recognition model, wherein the human face recognition model is training
To convergent convolutional neural networks model.Third acquisition submodule is used to obtain the described of human face recognition model output and insures
The identity information of user.
In some embodiments, insurance underwriting control device further include: the 4th acquisition submodule and third execute submodule
Block, wherein the 4th acquisition submodule is used to obtain the unreasonable Claims Resolution application record information in the Claims Resolution history information；
Third implementation sub-module is used for the use of insuring according to the unreasonable Claims Resolution application record information and administrative penalty information
Family is divided in preset credit blacklist.
In some embodiments, insurance underwriting control device further include: the 5th acquisition submodule and the 4th executes submodule
Block, wherein the 5th acquisition submodule is used to obtain the risk assessment grade for the user that insures described in the credit blacklist；4th
Implementation sub-module according to the risk assessment grade in preset prompting message database for searching and the risk assessment
The corresponding target prompting message of grade is prompted.
In some embodiments, insurance underwriting control device further include: submodule and the 5th implementation sub-module are compared,
In, submodule is compared for the risk assessment grade to be compared with preset risk threshold value；5th implementation sub-module is used
In when the risk assessment grade is greater than the risk threshold value, the user that insures is concluded to refusal and is accepted insurance user list
In, with the insurance business for the user that insures described in refusal.
About the device in above-described embodiment, wherein modules execute the concrete mode of operation in related this method
Embodiment in be described in detail, no detailed explanation will be given here.
In order to solve the above technical problems, the embodiment of the present invention also provides computer equipment.It is this referring specifically to Fig. 9, Fig. 9
Embodiment computer equipment basic structure block diagram.
As shown in figure 9, the schematic diagram of internal structure of computer equipment.As shown in figure 9, the computer equipment includes passing through to be
Processor, non-volatile memory medium, memory and the network interface of bus of uniting connection.Wherein, the computer equipment is non-easy
The property lost storage medium is stored with operating system, database and computer-readable instruction, can be stored with control information sequence in database
Column, when which is executed by processor, may make processor to realize a kind of insurance underwriting control method.The calculating
The processor of machine equipment supports the operation of entire computer equipment for providing calculating and control ability.The computer equipment
It can be stored with computer-readable instruction in memory, when which is executed by processor, processor may make to hold
A kind of insurance underwriting control method of row.The network interface of the computer equipment is used for and terminal connection communication.Those skilled in the art
Member is it is appreciated that structure shown in figure, and only the block diagram of part-structure relevant to application scheme, is not constituted to this
The restriction for the computer equipment that application scheme is applied thereon, specific computer equipment may include more than as shown in the figure
Or less component, perhaps combine certain components or with different component layouts.
Processor obtains module 2100, first processing module 2200 and for executing in Fig. 8 first in present embodiment
One execution module 2300, program code and Various types of data needed for memory is stored with the above-mentioned module of execution.Network interface is used for
To the data transmission between user terminal or server.Memory in present embodiment is stored in insurance underwriting control device
Program code needed for executing all submodules and data, server is capable of the program code of invoking server and data execute institute
There is the function of submodule.
Computer passes through the personal information for obtaining the user that insures, including the Claims Resolution history information for the user that insures and administration
Information is punished, then the Claims Resolution history information and administrative penalty information are calculated according to risk assessment algorithm, is settled a claim
History information be insure the insurance bought before user and the Claims Resolution information generated, including the Claims Resolution time, Claims Resolution item with
And the information such as amount for which loss settled, administrative penalty information are that the administrative penalty that law court or other government offices make the user that insures is determined
It is fixed, the Claims Resolution history information and administrative penalty information are calculated to generate the credit grade information of the user that insures, then root
Corresponding target declaration form is chosen to distribute to the user that insures according to the credit grade information for the user that insures, and insures user's by basis
Credit adjusts strategy of accepting insurance, and risk covered can be effectively reduced.
The present invention also provides a kind of storage mediums for being stored with computer-readable instruction, and the computer-readable instruction is by one
When a or multiple processors execute, so that one or more processors execute insurance underwriting controlling party described in any of the above-described embodiment
The step of method.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be magnetic
The non-volatile memory mediums such as dish, CD, read-only memory (Read-Only Memory, ROM) or random storage memory
Body (Random Access Memory, RAM) etc..
It should be understood that although each step in the flow chart of attached drawing is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, can execute in the other order.Moreover, at least one in the flow chart of attached drawing
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, execution sequence, which is also not necessarily, successively to be carried out, but can be with other
At least part of the sub-step or stage of step or other steps executes in turn or alternately.
The above is only some embodiments of the invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (10)
1. a kind of insurance underwriting control method, which is characterized in that include the following steps:
Obtain the personal information for the user that insures, wherein the personal information includes the Claims Resolution historical record letter of the user that insures
Breath and administrative penalty information；
According to preset risk assessment algorithm to the Claims Resolution history information of the user that insures and administrative penalty information into
Row calculates the credit grade information for the user that insures described in generation；
Mesh corresponding with the credit grade information is chosen in preset insurance data library according to the credit grade information
Mark declaration form distributes to the user that insures.
2. insurance underwriting control method according to claim 1, which is characterized in that the personal letter for obtaining the user that insures
Further include such as following step before the step of breath:
Obtain preset insurance application program first interface information and preset administrative information release application program second
Interface message；
It is answered respectively with the insurance application program and administrative information publication according to the first interface information and second interface information
It is associated with program.
3. insurance underwriting control method according to claim 2, which is characterized in that the personal letter for obtaining the user that insures
The step of breath, including such as following step:
It insures described in acquisition the identity information of user；
It is obtained from the associated insurance application program and administrative information release application program respectively according to the identity information
The Claims Resolution history information and administrative penalty information.
4. insurance underwriting control method according to claim 3, which is characterized in that the body for the user that insures described in the acquisition
The step of part information, further include such as following step:
It insures described in acquisition the facial image of user；
The facial image is input in preset human face recognition model, wherein the human face recognition model is that training is extremely received
The convolutional neural networks model held back；
Obtain the identity information of the user that insures of the human face recognition model output.
5. insurance underwriting control method according to claim 1, which is characterized in that described to be calculated according to preset risk assessment
Method carries out insuring user's described in calculating generation to the Claims Resolution history information and administrative penalty information of the user that insures
The step of credit grade information, including such as following step:
Obtain the unreasonable Claims Resolution application record information in the Claims Resolution history information；
The user that insures is divided to according to the unreasonable Claims Resolution application record information and administrative penalty information preset
In credit blacklist.
6. insurance underwriting control method according to claim 5, which is characterized in that described according to the credit grade information
Target declaration form corresponding with the credit grade information is chosen in preset insurance data library distributes to the user that insures
The step of, including such as following step:
Obtain the risk assessment grade for the user that insures described in the credit blacklist；
It is searched in preset prompting message database according to the risk assessment grade corresponding with the risk assessment grade
Target prompting message prompted.
7. insurance underwriting control method according to claim 6, which is characterized in that described according to the risk assessment grade
Search what target prompting message corresponding with the risk assessment grade was prompted in preset prompting message database
After step, further includes:
The risk assessment grade is compared with preset risk threshold value；
When the risk assessment grade is greater than the risk threshold value, the user that insures is concluded to refusal and is accepted insurance user list
In, with the insurance business for the user that insures described in refusal.
8. a kind of insurance underwriting control device characterized by comprising
First obtains module, for obtaining the personal information for the user that insures, wherein the personal information includes the user that insures
Claims Resolution history information and administrative penalty information；
First processing module, for according to preset risk assessment algorithm to the Claims Resolution history information of the user that insures with
And administrative penalty information insure described in calculating generation the credit grade information of user；
First execution module, for being chosen in preset insurance data library according to the credit grade information and the credit etc.
The corresponding target declaration form of grade information distributes to the user that insures.
9. a kind of computer equipment, including memory and processor, it is stored with computer-readable instruction in the memory, it is described
When computer-readable instruction is executed by the processor, so that the processor executes such as any one of claims 1 to 7 right
It is required that the step of insurance underwriting control method.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device executes, so that one or more processors execute the insurance underwriting control as described in any one of claims 1 to 7 claim
The step of method processed.
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| CN201910113103.1A CN109785175A (en) | 2019-02-13 | 2019-02-13 | Insurance underwriting control method, device, computer equipment and storage medium |
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| CN201910113103.1A CN109785175A (en) | 2019-02-13 | 2019-02-13 | Insurance underwriting control method, device, computer equipment and storage medium |
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