CN109859059A - Settlement of insurance claim method, apparatus, computer equipment and storage medium - Google Patents
Settlement of insurance claim method, apparatus, computer equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a kind of settlement of insurance claim method, apparatus, computer equipment and storage mediums, which comprises obtains settlement of insurance claim request, the settlement of insurance claim request includes Claims Resolution information；The Claims Resolution information input is calculated into preset air control data computation model, obtains Claims Resolution air control data, the Claims Resolution air control data include the K Claims Resolution factor and Claims Resolution risk factor corresponding with each Claims Resolution factor, and K is positive integer；The corresponding air control score value of the Claims Resolution information is calculated using calculation formula；If the air control score value is less than scoring threshold value, the corresponding insurance of the Claims Resolution information is determined as wait insurance of settling a claim；It is settled a claim according to the Claims Resolution air control data of the insurance to be settled a claim to the insurance to be settled a claim.Above-mentioned settlement of insurance claim method improves the efficiency of settlement of insurance claim while the risk control capability that ensure that settlement of insurance claim.
Description
Technical field
The present invention relates to intelligent decision field more particularly to a kind of settlement of insurance claim method, apparatus, computer equipment and storage
Medium.
Background technique
With the development of internet finance and e-commerce, people carry out using a network for transaction, payment and debt-credit, lead to
Often during debt-credit and payment, risk control assessment is just seemed very important.It, can by taking the settlement of insurance claim of insurance field as an example
There can be Claims Resolution user wrong report and false case carries out insurance fraud, or even carry out the setting loss and indemnity of virtual height to Claims Resolution case, cause
The air control of insurance company is difficult to be protected, and then influences corporate income.
Existing air control system is to carry out risk control by artificial experience, and human factor therein will affect air control energy
Power to influence the risk ability of settlement of insurance claim, and then causes settlement of insurance claim risk control capability low and settles a claim inefficient
The problem of.
Summary of the invention
The embodiment of the present invention also provides a kind of settlement of insurance claim method, apparatus, equipment and medium, to solve settlement of insurance claim risk
Control ability is low and inefficient problem of settling a claim.
A kind of settlement of insurance claim method, comprising:
Settlement of insurance claim request is obtained, the settlement of insurance claim request includes Claims Resolution information；
The Claims Resolution information input is calculated into preset air control data computation model, obtains Claims Resolution air control number
It include the K Claims Resolution factor and Claims Resolution risk factor corresponding with each Claims Resolution factor according to, Claims Resolution air control data, K is
Positive integer；
The corresponding air control score value of the Claims Resolution information is calculated using following calculation formula:
Wherein, S is expressed as the air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt indicates
For j-th of Claims Resolution risk factor；
If the air control score value is less than scoring threshold value, the corresponding insurance of the Claims Resolution information is determined as protecting wait settle a claim
Danger；
It is settled a claim according to the Claims Resolution air control data of the insurance to be settled a claim to the insurance to be settled a claim.
A kind of settlement of insurance claim device, comprising:
Claims Resolution data obtaining module, for obtaining settlement of insurance claim request, the settlement of insurance claim request includes Claims Resolution information；
Air control data acquisition module, for carrying out the Claims Resolution information input into preset air control data computation model
It calculates, obtains Claims Resolution air control data, the Claims Resolution air control data include the K Claims Resolution factor and answer with each Claims Resolution factor pair
Claims Resolution risk factor, K is positive integer；
Air control score value computing module, for the corresponding air control of the Claims Resolution information to be calculated using following calculation formula
Score value:
Wherein, S is expressed as the air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt indicates
For j-th of Claims Resolution risk factor；
Determining module is insured wait settle a claim, if being less than scoring threshold value for the air control score value, by the Claims Resolution information
Corresponding insurance is determined as wait insurance of settling a claim；
Settlement of insurance claim module, for being carried out to described wait insurance of settling a claim according to the Claims Resolution air control data of the insurance to be settled a claim
Claims Resolution.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing
The computer program run on device, the processor realize above-mentioned settlement of insurance claim method when executing the computer program.
A kind of computer readable storage medium, the computer-readable recording medium storage have computer program, the meter
Calculation machine program realizes above-mentioned settlement of insurance claim method when being executed by processor.
In above-mentioned settlement of insurance claim method, apparatus, computer equipment and storage medium, firstly, obtaining settlement of insurance claim request, protect
Danger Claims Resolution request includes Claims Resolution information；Claims Resolution information input is calculated into preset air control data computation model, is obtained
Claims Resolution air control data more rapidly and accurately calculate the air control data of insurance corresponding with Claims Resolution information；Then, using calculating
The corresponding air control score value of Claims Resolution information is calculated in formula, by venture influence existing for the corresponding insurance of settlement of insurance claim information into
Row data quantization, not only avoids the human factor of manual evaluation, and it is more accurate to be calculated air control score value, with
Make subsequent more accurate efficiently according to air control score value progress settlement of insurance claim decision；Next, being commented if air control score value is less than
Divide threshold value, then the corresponding insurance of the information that will settle a claim is determined as to prevent and evading various in settlement of insurance claim wait insurance of settling a claim
Risk improves the risk control capability of settlement of insurance claim；It is protected finally, treating Claims Resolution according to the Claims Resolution air control data of insurance to be settled a claim
Danger is settled a claim, and be ensure that Claims Resolution Accuracy and high efficiency, is improved settlement of insurance claim efficiency.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without any creative labor, can also be according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the application environment schematic diagram of settlement of insurance claim method provided in an embodiment of the present invention；
Fig. 2 is one exemplary diagram of settlement of insurance claim method provided in an embodiment of the present invention；
Fig. 3 is another exemplary diagram of settlement of insurance claim method provided in an embodiment of the present invention；
Fig. 4 is another exemplary diagram of settlement of insurance claim method provided in an embodiment of the present invention；
Fig. 5 is another exemplary diagram of settlement of insurance claim method provided in an embodiment of the present invention；
Fig. 6 is another exemplary diagram of settlement of insurance claim method provided in an embodiment of the present invention；
Fig. 7 is a functional block diagram of settlement of insurance claim device provided in an embodiment of the present invention；
Fig. 8 is another functional block diagram of settlement of insurance claim device provided in an embodiment of the present invention；
Fig. 9 is a schematic diagram of computer equipment provided in an embodiment of the present invention.
Specific embodiment
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 some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Settlement of insurance claim method provided by the present application, can be applicable in the application environment such as Fig. 1, wherein client (computer
Equipment) it is communicated by network with server-side.Client sends settlement of insurance claim request to server-side, and server-side will settle a claim information
It is input in preset air control data computation model and is calculated, obtain Claims Resolution air control data；It is calculated using calculation formula
The corresponding air control score value of information of settling a claim；If air control score value is less than scoring threshold value, the corresponding insurance of the information that will settle a claim is determined
For wait insurance of settling a claim；And Claims Resolution insurance is treated according to the Claims Resolution air control data of insurance to be settled a claim and is settled a claim.Wherein, client can
With but be not limited to various personal computers, laptop, smart phone, tablet computer and portable wearable device.Clothes
Business end can be realized with the server cluster of the either multiple server compositions of independent server.
In one embodiment, as shown in Fig. 2, being applied to be illustrated for the server-side in Fig. 1 in this way, including
Following steps:
S10: obtaining settlement of insurance claim request, and settlement of insurance claim request includes Claims Resolution information.
Wherein, settlement of insurance claim request be client initiate to currently insuring the request settled a claim.Specifically, Yong Hutong
The corresponding instruction of client input or information are crossed to trigger settlement of insurance claim request.Settlement of insurance claim request is sent to by client
Server-side, server-side get settlement of insurance claim request.Claims Resolution information is to need to audit to what be may relate in settlement of insurance claim
Information (such as: with Claims Resolution decision and the relevant information of amount for which loss settled), for as to the corresponding insurance of Claims Resolution information
The foundation and standard settled a claim.Optionally, Claims Resolution information includes insurance policy number, insurance is insured amount, insures premium, dated
Or at least one of date of being in danger etc. information.In a specific embodiment, Claims Resolution information is license plate number, vehicle insurance protection amount, vehicle insurance
Date, vehicle insurance number of policy, vehicle insurance goes out strategical vantage point and vehicle insurance is in danger date etc..
Specifically, Claims Resolution information can be obtained from the database inside server-side, can also pass through third party's data-interface
It is obtained, can also be obtained by crawler technology.It can specifically determine according to actual needs, herein with no restrictions.
S20: Claims Resolution information input is calculated into preset air control data computation model, obtains Claims Resolution air control number
According to Claims Resolution air control data include the K Claims Resolution factor and Claims Resolution risk factor corresponding with each Claims Resolution factor, and K is positive integer.
Wherein, preset air control data computation model refers to trained in advance for calculating the corresponding insurance of Claims Resolution information
Air control data.The Claims Resolution factor refers to the factor having an impact to amount for which loss settled in Claims Resolution information, as settlement of insurance claim case is sent out
The raw time, insure premium and protection amount etc..Claims Resolution risk factor refers to Claims Resolution factor pair settlement of insurance claim, and there are risk probabilities.With vehicle insurance
For Claims Resolution, the Claims Resolution factor can be the time of reporting a case to the security authorities, and the corresponding Claims Resolution risk factor of the Claims Resolution factor is 0.3, is to report a case to the security authorities
This Claims Resolution factor of time is 30% there are the probability of risk.Risk factor of settling a claim is corresponded with the Claims Resolution factor.Claims Resolution air control
Data refer to the combination of Claims Resolution factor Claims Resolution risk factor corresponding with the factor of settling a claim, namely include the Claims Resolution factor and the Claims Resolution factor
Corresponding Claims Resolution risk is the two dimensions, and each dimension corresponds to K data, and K is Claims Resolution factor quantity, and the Claims Resolution factor
The quantity of corresponding Claims Resolution risk factor, the numerical value of K determines by Claims Resolution information and preset air control data computation model, herein not
It is restricted.
Specifically, by air control data computation model to Claims Resolution information calculate, obtain Claims Resolution the factor and Claims Resolution because
The Claims Resolution air control data of the corresponding risk factor composition of son.It is to be appreciated that air control data computation model is by training in advance
It obtains, therefore, can more rapidly and accurately calculate the air control data of insurance corresponding with Claims Resolution information.
S30: the corresponding air control score value of Claims Resolution information is calculated using following calculation formula:
Wherein, S is expressed as air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt is expressed as j-th of reason
Pay for risk factor；
Wherein, air control score value refers to the height for reflecting risk existing for the corresponding settlement of insurance claim of Claims Resolution information.Tool
Body, the corresponding numerical value of each Claims Resolution factor is arrived into air control multiplied by being added again after corresponding Claims Resolution risk factor
Score value.The calculation method of the air control score value has comprehensively considered each Claims Resolution factor pair settlement of insurance claim, and there are the general of venture influence
Rate size, venture influence existing for the corresponding insurance of the information that will settle a claim carry out data quantization, not only avoid the people of manual evaluation
For factor, and make air control score value is calculated it is more accurate so that subsequent carry out insurance reason according to the air control score value
It is more accurate efficiently to pay for decision.
S40: if air control score value is less than scoring threshold value, the corresponding insurance of the information that will settle a claim is determined as wait insurance of settling a claim.
Wherein, refer to that the probability there are risk reaches the insurance of Claims Resolution condition wait insurance of settling a claim.Scoring threshold value, which refers to, to be used for
The critical value of the air control score value of the corresponding insurance of decision Claims Resolution information.If air control score value is more than or equal to scoring threshold value,
I.e. there are greater risks for the corresponding settlement of insurance claim of Claims Resolution information.If air control score value is less than scoring threshold value, the Claims Resolution information
That there are risks is smaller for corresponding settlement of insurance claim, therefore as wait insurance of settling a claim.It is to be appreciated that according to air control score value and scoring
Threshold value carries out risk assessment to the corresponding insurance of Claims Resolution information, and air control score value is less than the insurance of scoring threshold value as wait manage
Protection and indemnity insurance improves the risk control capability of settlement of insurance claim so as to prevent and evade the various risks in settlement of insurance claim.
S50: Claims Resolution insurance is treated according to the Claims Resolution air control data of insurance to be settled a claim and is settled a claim.
Specifically, server-side is answered according to the Claims Resolution factor in the Claims Resolution air control data of insurance to be settled a claim and factor pair of settling a claim
Claims Resolution risk factor, by preset settlement of insurance claim rule treat Claims Resolution insurance settle a claim.It is to be appreciated that due to wait manage
Risk existing for protection and indemnity insurance is smaller, so that the risk control capability of settlement of insurance claim is improved, and due to air control data of settling a claim
In the Claims Resolution factor and the corresponding Claims Resolution risk factor of the Claims Resolution factor be previously obtained accurate calculating, ensure that Claims Resolution accuracy with
High efficiency improves settlement of insurance claim efficiency.
In the present embodiment, firstly, obtaining settlement of insurance claim request, settlement of insurance claim request includes Claims Resolution information；To settle a claim information
It is input in preset air control data computation model and is calculated, obtain Claims Resolution air control data, more rapidly and accurately calculate
The air control data of insurance corresponding with Claims Resolution information；Then, the corresponding air control of Claims Resolution information is calculated using calculation formula to comment
Venture influence existing for the corresponding insurance of settlement of insurance claim information is carried out data quantization, not only avoids manual evaluation by score value
Human factor, and make air control score value is calculated it is more accurate so that subsequent insured according to the air control score value
Decision of settling a claim is more accurate efficiently；Next, the corresponding insurance of the information that will settle a claim is true if air control score value is less than scoring threshold value
It is set to wait insurance of settling a claim, can prevents and evade the various risks in settlement of insurance claim, improve the risk management and control energy of settlement of insurance claim
Power；It settles a claim finally, treating Claims Resolution insurance according to the Claims Resolution air control data of insurance to be settled a claim, ensure that Claims Resolution accuracy and height
Effect property, improves settlement of insurance claim efficiency.
In one embodiment, Claims Resolution information includes N number of historical factors, wherein N is positive integer.
Wherein, historical factors refer to the factor that can influence settlement of insurance claim risk size extracted from Claims Resolution information.Example
Such as: 3 historical factors in vehicle insurance Claims Resolution are respectively that be in danger time, vehicle insurance premium and vehicle insurance of vehicle insurance is insured amount.N is historical factors
Quantity, specific size can according to Claims Resolution information be determined, herein with no restriction.
In this embodiment, as shown in figure 3, in step S20, Claims Resolution information input is calculated to preset air control data
It is calculated in model, obtains Claims Resolution air control data, comprising:
S21: N number of historical factors input Bayesian model is subjected to priori verifying, obtains the risk system of N number of historical factors
Number.
Wherein, Bayesian model is a kind of prediction model based on statistics, for predicting the following number based on historical data
According to.The application scenarios of bayesian theory are more, semanteme and morphological analysis, Knowledge Agglomeration and internet such as in internet area
The filtering etc. of spam can carry out the reverse-direction derivation of conditional probability based on based on bayesian theory.Its formula is such as
Under:
In above-mentioned formula, BiIt is expressed as i-th of event B, P (Bi) it is expressed as event BiProbability, P (A | Bi) it is expressed as thing
Part BiUnder occurrence condition event A probability, P (Bi| A) it is expressed as event B under event A occurrence conditioniProbability be P (Bi|A)。
Wherein, priori verifying refers to the verification mode that estimation posterior probability is gone by prior probability.Above-mentioned Bayesian formula
In event BiProbability P (Bi) it is prior probability, i.e., the probability given by artificial experience, P (Bi| A) it is then to pass through pattra leaves
The posterior probability that this model is calculated, the as risk factor of historical factors.It is to be appreciated that passing through Bayesian model
Priori verifying is carried out to factor data, so that the risk factor of each historical factors obtains more accurately verifying.Risk factor
It is a kind of weight for embodying risk indicator, risk factor is more than or equal to zero and is less than or equal to 1.One historical factors
Risk factor is bigger, then influence of the historical factors to air control is bigger.
Specifically, using N number of historical factors as the input of the Bayesian formula in Bayesian model, by BiAs parameter, A
Prior probability as N number of historical factors in sample namely A is equal, is 1/N, then P (Bi| A) as in each history
Under conditions of the prior probability of the factor is equal, the posterior probability of i-th of historical factors；P(Bi) elder generation as i-th of historical factors
Test probability；P(A|Bi) as under conditions of the prior probability of known i-th of historical factors, the posteriority of all historical factors is general
Rate, by Bayesian model be fitted real goal function, and according to fitting result actively to each historical factors (evaluation point) into
Row assessment, so that prediction obtains the corresponding risk factor of each historical factors of Bayesian model output.It is to be appreciated that this reality
Applying the historical factors in example is historical data and historical results, by the training of Bayesian model, based on historical data and history
As a result the result and trend (the risk size of such as settlement of insurance claim) for carrying out estimated product future, since Bayesian model being capable of base
In existing historical data prediction data, therefore it can be avoided unnecessary sampling, meanwhile, Bayesian model can efficiently use
Whole historical information improves assessment efficiency.Therefore, in the present embodiment, pattra leaves is used for N number of historical factors in Claims Resolution information
This model predicts the corresponding risk factor of each historical factors, ensure that the risk factor of output is more accurate.
S22: the historical factors that risk factor is more than or equal to coefficient threshold are filtered out, as efficiency factor.
Wherein, coefficient threshold is the critical value for judging the risk factor of historical factors validity.Efficiency factor refers to
The factor influential on air control obtained after being verified in historical factors by Bayesian model.
Specifically, the corresponding risk factor of each historical factors is compared with coefficient threshold respectively, if risk factor
Less than coefficient threshold, the corresponding historical factors of the risk factor are deleted；If risk factor is more than or equal to coefficient threshold, choose
The corresponding historical factors of the risk factor are as efficiency factor.Namely in the corresponding historical factors of risk factor, to risk system
Historical factors of the number not in threshold range are rejected, using historical factors of the risk factor in threshold range as it is effective because
Son.
It is to be appreciated that showing the corresponding history of the risk factor when risk factor is more than or equal to coefficient threshold
Factor pair air control is affected, therefore screens as efficiency factor, and when risk factor is less than coefficient threshold, show
Influence very little of the corresponding historical factors of the risk factor to air control, therefore the historical factors are rejected.Avoid the history
The factor increases the complexity calculated air control score value, influences the efficiency of subsequent settlement of insurance claim.
S23: N number of historical factors input gauss hybrid models are predicted, latent factor is obtained.
Wherein, latent factor refers in N number of historical factors, can influence the air control to be excavated of settlement of insurance claim decision because
Element.Gauss hybrid models (Gaussian mixture model, GMM) are accurately to quantify thing with Gaussian probability-density function
Object, for things to be decomposed into several models formed based on Gaussian probability-density function (normal distribution curve).Gauss is mixed
It is as follows to close model formation:
Wherein, αkIt is coefficient, αk>=0,φ(y|θk) it is Gaussian distribution density,Standard normal
Distribution function,For k-th list Gauss model, and G (y | θ) it is latent factor
Distribution density, the i.e. risk factor of latent factor.
In a specific embodiment, in vehicle insurance Claims Resolution, historical factors are respectively: be in danger time, vehicle insurance of vehicle insurance is in danger
Place, reporter's ID card No., reporter's name and reporter's phone number.The historical factors are input to mixing by server-side
Gauss model is predicted, after server-side carries out match query to the historical factors in preset database, has been obtained this and has been gone through
The associated factor of the history factor can such as the corresponding historical factors of the declaration form of the vehicle insurance and the corresponding historical factors of amount for which loss settled
To understand ground, declaration form and amount for which loss settled are latent factor.
Specifically, the gauss of distribution function for presetting each single Gauss model, each historical factors input Gauss is mixed
After molding type, which adds up the gauss of distribution function of each single Gauss model, obtained it is potential because
Son.It is to be appreciated that factor influential on air control to be excavated is predicted by gauss hybrid models, so as to subsequent more quasi-
The size of the risk really calculated.
S24: latent factor and efficiency factor are determined as the factor of settling a claim, by the risk factor and efficiency factor of latent factor
Risk factor be determined as settle a claim risk factor, obtain Claims Resolution air control data.
Specifically, latent factor and efficiency factor are determined as the factor of settling a claim, by the risk factor of latent factor and effectively
The risk factor of the factor is determined as Claims Resolution because of risk factor, obtains Claims Resolution air control data.Latent factor be by Gauss model into
What row was calculated, and it is higher that risk factor accuracy is calculated under Gauss model calculating in the latent factor, therefore this is latent
It is calculated more fully in factor pair venture influence.Meanwhile efficiency factor be calculated by Bayesian model, and this it is effective because
Son is under Bayesian model calculating, and the risk factor accuracy being calculated is higher, therefore the efficiency factor is to venture influence meter
It calculates more fully.Further, the two be combined as Claims Resolution the factor, enable Claims Resolution air control data have biggish air control
Power, is conducive to the anti-fraud for enhancing settlement of insurance claim and reverse osmosis leaks ability, improves the risk control capability of settlement of insurance claim.
In the present embodiment, firstly, by N number of historical factors input Bayesian model carry out priori verifying, obtain N number of history because
The risk factor of son, ensure that the risk factor of output is more accurate.Then, risk factor is filtered out more than or equal to coefficient
The historical factors of threshold value obtain the risk factor of efficiency factor and efficiency factor, and historical factors is avoided to increase to air control score value
The complexity of calculating influences the efficiency of subsequent settlement of insurance claim.Then, N number of historical factors input gauss hybrid models are carried out pre-
It surveys, the risk factor of latent factor and each latent factor is obtained, so as to the size of subsequent more accurately calculation risk.Most
Afterwards, latent factor and efficiency factor are determined as the factor of settling a claim, by the risk system of the risk factor of latent factor and efficiency factor
Number is determined as Claims Resolution because of risk factor, obtains Claims Resolution air control data, so that Claims Resolution air control data have biggish air control ability, has
Ability is leaked conducive to the anti-fraud of enhancing settlement of insurance claim and reverse osmosis, improves the risk control capability of settlement of insurance claim.
In one embodiment, as shown in figure 4, in step S50, Claims Resolution is treated according to the Claims Resolution air control data of insurance to be settled a claim
Insurance is settled a claim, comprising:
S51: the Claims Resolution factor of insurance to be settled a claim is extracted from Claims Resolution air control data.
Specifically, the Claims Resolution factor can be extracted by way of keyword match, i.e., obtain the pass of insurance to be settled a claim first
Key word such as " vehicle insurance " then, the matching of keyword is carried out in Claims Resolution air control data, inquires Claims Resolution corresponding with keyword
The factor, such as " vehicle insurance insured amount ", " vehicle insurance is in danger the time " or " vehicle insurance be in danger place " Claims Resolution factor, finally extract and inquire
The Claims Resolution factor.
S52: amount for which loss settled is calculated according to the Claims Resolution factor and preset amount for which loss settled computation rule.
Specifically, an amount for which loss settled computation rule can be preset, which is to preset
A calculating standard, which can need be configured according to practical settlement of insurance claim case, can also be with
It is counted to obtain according to historical data, can specifically be set according to actual needs, it is not limited here.The Claims Resolution factor is led to
The amount for which loss settled computation rule is crossed to be calculated to get amount for which loss settled is arrived.It is alternatively possible to for each Claims Resolution factor setting one
A amount for which loss settled computation rule, to obtain more accurate amount for which loss settled.For example, the Claims Resolution factor is vehicle insurance in the Claims Resolution of certain vehicle insurance
Insured amount and vehicle insurance premium, corresponding numerical value are a and b, if preset amount for which loss settled computation rule be by each Claims Resolution factor multiplied by
Maximum value after corresponding weight is as amount for which loss settled, then the amount for which loss settled of the vehicle insurance is max { a × k1, b × k2, wherein k1
And k2It is the weight of each Claims Resolution factor respectively.
S53: Claims Resolution insurance is treated according to amount for which loss settled and is settled a claim.
Specifically, server-side treats Claims Resolution insurance and settles a claim according to the amount for which loss settled being calculated in step S52.The reason
It is accurate that compensation process facilitates, and improves the efficiency of settlement of insurance claim.
In the present embodiment, firstly, extracting the Claims Resolution factor of insurance to be settled a claim from Claims Resolution air control data；Then, according to
The factor of settling a claim calculates amount for which loss settled；It settles a claim finally, treating Claims Resolution insurance according to amount for which loss settled, improves the effect of settlement of insurance claim
Rate.
In one embodiment, as shown in figure 5, in step S10, settlement of insurance claim request is obtained, settlement of insurance claim request includes reason
Pay for information, comprising:
S11: target webpage is obtained.
Wherein, target webpage refers to webpage relevant to insurance industry, such as Pingan Insurance official website.Specifically, can pass through
Read () method reads the network address of target webpage, to one network address of getHtml () function passes, and full page is downloaded down
Come, obtains the page of target webpage.
S12: the information in target webpage is extracted using preset regular expression, obtains target information.
Wherein, preset regular expression is a kind of string matching and processing rule, for extracting the information in webpage.
Preset regular expression includes but is not limited to Python regular expression.Target information refers to the net with regular expression matching
Page information.The target information can be insurance policy number, the information such as place or insurance protection amount of being in danger.
Specifically, the information with preset regular expression matching is filtered from target webpage, then extracts the information, into
And obtain target information.It is to be appreciated that the information in target webpage is extracted by using preset regular expression,
Improve the accuracy of target information.
S13: parsing target information obtains Claims Resolution information.
Specifically, target information detailed process is parsed are as follows: the parsing module in library is parsed by crawler first and is believed target
Breath carries out data analysis, then passage path expression formula extracts the target information after parsing, and the target information after parsing is saved
In the database, Claims Resolution information is obtained.Crawler parsing therein library can be BeautifulSoup parsing library, be also possible to
Lxml parses library.It is to be appreciated that can rapidly and accurately get Claims Resolution information by parsing target information.
In the present embodiment, firstly, obtaining target webpage；Then, using preset regular expression in target webpage
Information extracts, and improves the accuracy of target information；Finally, parsing target information, obtains Claims Resolution information, thus quickly quasi-
Really get Claims Resolution information.
In one embodiment, as shown in fig. 6, in step S10, settlement of insurance claim request is obtained, settlement of insurance claim request includes reason
Pay for information, comprising:
S11 ': target webpage is obtained.
Specifically, the targeted web content in this step is identical as step S11, and the step of obtaining target webpage also phase
Together, details are not described herein again.
S12 ': extracting the data in target webpage using page analyzer, obtains Claims Resolution information.
Wherein, page analyzer is a kind of tool for analyzing web page element.Specifically, by page analyzer
Select () method chooses the label for meeting preset condition, forms qualified label array, and then extract label array
In element, as Claims Resolution information.Page analyzer therein include but is not limited to be jsoup page analyzer.It is understood that
Ground extracts the data in target webpage using page analyzer, so that Claims Resolution information acquisition efficiency is higher.
In the present embodiment, target webpage is first obtained, then the data in target webpage are mentioned using page analyzer
It takes, obtains Claims Resolution information, so that Claims Resolution information acquisition efficiency is higher.
In one embodiment, after obtaining the corresponding air control score value of Claims Resolution information, settlement of insurance claim method further include:
S60: if air control score value is more than or equal to scoring threshold value, the corresponding Claims Resolution information of air control score value is sent
It is audited to client.
Specifically, if air control score value is more than or equal to scoring threshold value, i.e. the corresponding Claims Resolution information of air control score value is deposited
In greater risk, therefore, the corresponding Claims Resolution information of air control score value is sent to client and is audited, guarantees settlement of insurance claim
Safety improves the risk control capability of settlement of insurance claim.
In the present embodiment, if air control score value is more than or equal to scoring threshold value, by the corresponding Claims Resolution of air control score value
Information is sent to client and is audited, and to guarantee the safety of settlement of insurance claim, improves the risk control capability of settlement of insurance claim.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
In one embodiment, a kind of settlement of insurance claim device is provided, insures in the settlement of insurance claim device and above-described embodiment and manages
Compensation method corresponds.As shown in fig. 7, the settlement of insurance claim device includes Claims Resolution data obtaining module 10, air control data acquisition mould
Block 20, air control score value computing module 30 insure determining module 40 and settlement of insurance claim module 50 wait settle a claim.Each functional module is detailed
It is described as follows:
Claims Resolution data obtaining module 10, for obtaining settlement of insurance claim request, settlement of insurance claim request includes Claims Resolution information；
Air control data acquisition module 20, based on it will settle a claim information input into preset air control data computation model and carry out
It calculates, obtains Claims Resolution air control data, Claims Resolution air control data include the K Claims Resolution factor and Claims Resolution risk corresponding with each Claims Resolution factor
Coefficient, K are positive integer；
Air control score value computing module 30 is commented for the corresponding air control of Claims Resolution information to be calculated using following calculation formula
Score value:
Wherein, S is expressed as air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt is expressed as j-th of reason
Pay for risk factor；
Determining module 40 is insured wait settle a claim, if being less than scoring threshold value for air control score value, the information that will settle a claim is corresponding
Insurance is determined as wait insurance of settling a claim；
Settlement of insurance claim module 50 treats Claims Resolution insurance for the Claims Resolution air control data according to insurance to be settled a claim and settles a claim.
Preferably, Claims Resolution information includes N number of historical factors, wherein N is positive integer；As shown in figure 8, air control data acquisition
Module includes that risk factor acquiring unit 21, efficiency factor acquiring unit 22, latent factor acquiring unit 23 and air control data obtain
Take unit 24.
Risk factor acquiring unit 21 obtains N for N number of historical factors input Bayesian model to be carried out priori verifying
The risk factor of a historical factors；
Efficiency factor acquiring unit 22, the historical factors for being more than or equal to coefficient threshold for filtering out risk factor,
As efficiency factor；
Latent factor acquiring unit 23 obtains potential for predicting N number of historical factors input gauss hybrid models
The factor；
Air control data capture unit 24, for latent factor and efficiency factor to be determined as the factor of settling a claim, by latent factor
Risk factor and efficiency factor risk factor be determined as settle a claim risk factor, obtain Claims Resolution air control data.
Preferably, Claims Resolution module includes Claims Resolution factor extraction unit, amount for which loss settled computing unit and settlement of insurance claim unit.
Claims Resolution factor extraction unit, for extracting the Claims Resolution factor of insurance to be settled a claim from Claims Resolution air control data；
Amount for which loss settled computing unit, for calculating Claims Resolution gold according to the Claims Resolution factor and preset amount for which loss settled computation rule
Volume；
Settlement of insurance claim unit is settled a claim for treating Claims Resolution insurance according to amount for which loss settled.
Preferably, Claims Resolution data obtaining module includes target webpage acquiring unit, target information acquiring unit and Claims Resolution letter
Cease acquiring unit.
Target webpage acquiring unit, for obtaining target webpage；
Target information acquiring unit, for being extracted using preset regular expression to the information in target webpage,
Obtain target information；
Information acquisition unit of settling a claim obtains Claims Resolution information for parsing target information.
Preferably, Claims Resolution data obtaining module further includes target webpage acquiring unit and Claims Resolution information extraction unit.
Target webpage acquiring unit, for obtaining target webpage；
Information extraction unit of settling a claim is managed for being extracted using page analyzer to the data in target webpage
Pay for information.
Preferably, after obtaining the corresponding air control score value of Claims Resolution information, settlement of insurance claim device further includes signal auditing
The corresponding Claims Resolution information of air control score value is sent to by module if being more than or equal to scoring threshold value for air control score value
Client is audited.
Specific about settlement of insurance claim device limits the restriction that may refer to above for settlement of insurance claim method, herein not
It repeats again.The above-mentioned modules based in settlement of insurance claim device can be fully or partially through software, hardware and combinations thereof come real
It is existing.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with software shape
Formula is stored in the memory in computer equipment, executes the corresponding operation of the above modules in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 9.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing the data that settlement of insurance claim method uses.The network interface of the computer equipment be used for
External terminal passes through network connection communication.To realize a kind of settlement of insurance claim method when the computer program is executed by processor.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor perform the steps of when executing computer program
Settlement of insurance claim request is obtained, the settlement of insurance claim request includes Claims Resolution information；
The Claims Resolution information input is calculated into preset air control data computation model, obtains Claims Resolution air control number
It include the K Claims Resolution factor and Claims Resolution risk factor corresponding with each Claims Resolution factor according to, Claims Resolution air control data, K is
Positive integer；
The corresponding air control score value of the Claims Resolution information is calculated using following calculation formula:
Wherein, S is expressed as the air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt indicates
For j-th of Claims Resolution risk factor；
If the air control score value is less than scoring threshold value, the corresponding insurance of the Claims Resolution information is determined as protecting wait settle a claim
Danger；
It is settled a claim according to the Claims Resolution air control data of the insurance to be settled a claim to the insurance to be settled a claim.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
Settlement of insurance claim request is obtained, the settlement of insurance claim request includes Claims Resolution information；
The Claims Resolution information input is calculated into preset air control data computation model, obtains Claims Resolution air control number
It include the K Claims Resolution factor and Claims Resolution risk factor corresponding with each Claims Resolution factor according to, Claims Resolution air control data, K is
Positive integer；
The corresponding air control score value of the Claims Resolution information is calculated using following calculation formula:
Wherein, S is expressed as the air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt indicates
For j-th of Claims Resolution risk factor；
If the air control score value is less than scoring threshold value, the corresponding insurance of the Claims Resolution information is determined as protecting wait settle a claim
Danger；
It is settled a claim according to the Claims Resolution air control data of the insurance to be settled a claim to the insurance to be settled a claim.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention 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 settlement of insurance claim method, which is characterized in that the settlement of insurance claim method includes:
Settlement of insurance claim request is obtained, the settlement of insurance claim request includes Claims Resolution information；
The Claims Resolution information input is calculated into preset air control data computation model, obtains Claims Resolution air control data, institute
Stating Claims Resolution air control data includes the K Claims Resolution factor and Claims Resolution risk factor corresponding with each Claims Resolution factor, and K is positive whole
Number；
The corresponding air control score value of the Claims Resolution information is calculated using following calculation formula:
Wherein, S is expressed as the air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt is expressed as jth
A Claims Resolution risk factor；
If the air control score value is less than scoring threshold value, the corresponding insurance of the Claims Resolution information is determined as wait insurance of settling a claim；
It is settled a claim according to the Claims Resolution air control data of the insurance to be settled a claim to the insurance to be settled a claim.
2. settlement of insurance claim method as described in claim 1, which is characterized in that the Claims Resolution information includes N number of historical factors,
In, N is positive integer；
It is described to calculate the Claims Resolution information input into preset air control data computation model, obtain Claims Resolution air control number
According to, comprising:
N number of historical factors input Bayesian model is subjected to priori verifying, obtains the risk system of N number of historical factors
Number；
The historical factors that risk factor is more than or equal to coefficient threshold are filtered out, as efficiency factor；
N number of historical factors input gauss hybrid models are predicted, latent factor is obtained；
The latent factor and the efficiency factor are determined as the factor of settling a claim, by the risk factor of the latent factor and described
The risk factor of efficiency factor is determined as the Claims Resolution risk factor, obtains the Claims Resolution air control data.
3. settlement of insurance claim method as described in claim 1, which is characterized in that according to the Claims Resolution air control number of the insurance to be settled a claim
It settles a claim according to the insurance to be settled a claim, comprising:
The Claims Resolution factor of the insurance to be settled a claim is extracted from the Claims Resolution air control data；
Amount for which loss settled is calculated according to the Claims Resolution factor and preset amount for which loss settled computation rule；
It is settled a claim according to the amount for which loss settled to the insurance to be settled a claim.
4. settlement of insurance claim method as described in claim 1, which is characterized in that the acquisition settlement of insurance claim request, the insurance
Claims Resolution request includes Claims Resolution information, comprising:
Obtain target webpage；
The information in the target webpage is extracted using preset regular expression, obtains target information；
The target information is parsed, the Claims Resolution information is obtained.
5. settlement of insurance claim method as described in claim 1, which is characterized in that the acquisition settlement of insurance claim request, the insurance
Claims Resolution request includes Claims Resolution information, comprising:
Obtain target webpage；
The data in the target webpage are extracted using page analyzer, obtain the Claims Resolution information.
6. settlement of insurance claim method as described in claim 1, which is characterized in that obtain the corresponding wind of the Claims Resolution information described
After controlling score value, the settlement of insurance claim method further include:
If the air control score value is more than or equal to scoring threshold value, the corresponding Claims Resolution information of the air control score value is sent
It is audited to client.
7. a kind of settlement of insurance claim device, which is characterized in that the settlement of insurance claim, which fills, includes:
Claims Resolution data obtaining module, for obtaining settlement of insurance claim request, the settlement of insurance claim request includes Claims Resolution information；
Air control data acquisition module, based on carrying out the Claims Resolution information input into preset air control data computation model
It calculates, obtains Claims Resolution air control data, the Claims Resolution air control data include the K Claims Resolution factor and corresponding with each Claims Resolution factor
Claims Resolution risk factor, K is positive integer；
Air control score value computing module, for the corresponding air control scoring of the Claims Resolution information to be calculated using following calculation formula
Value:
Wherein, S is expressed as the air control score value, λjIt is expressed as the corresponding numerical value of j-th of Claims Resolution factor, αjIt is expressed as jth
A Claims Resolution risk factor；
Determining module is insured wait settle a claim, it is if being less than scoring threshold value for the air control score value, the Claims Resolution information is corresponding
Insurance be determined as wait settle a claim insurance；
Settlement of insurance claim module, for being managed according to the Claims Resolution air control data of the insurance to be settled a claim the insurance to be settled a claim
It pays for.
8. settlement of insurance claim device as claimed in claim 7, which is characterized in that the Claims Resolution information includes N number of historical factors,
In, N is positive integer；
The air control data acquisition module, comprising:
Risk factor acquiring unit obtains N number of for N number of historical factors input Bayesian model to be carried out priori verifying
The risk factor of the historical factors；
Efficiency factor acquiring unit, the historical factors for being more than or equal to coefficient threshold for filtering out risk factor, as having
Imitate the factor；
Latent factor acquiring unit, for the N number of historical factors input gauss hybrid models to be predicted, obtain it is potential because
Son；
Air control data capture unit will be described latent for the latent factor and the efficiency factor to be determined as the factor of settling a claim
It is determined as the Claims Resolution risk factor in the risk factor of the factor and the risk factor of the efficiency factor, obtains the Claims Resolution wind
Control data.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
Any one of 6 settlement of insurance claim methods.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In realization settlement of insurance claim method as described in any one of claim 1 to 6 when the computer program is executed by processor.
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| CN201910042533.9A CN109859059A (en) | 2019-01-17 | 2019-01-17 | Settlement of insurance claim method, apparatus, computer equipment and storage medium |
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