CN110136010A - The method, apparatus and computer equipment of risk case are judged based on neural network - Google Patents

The method, apparatus and computer equipment of risk case are judged based on neural network Download PDF

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Publication number
CN110136010A
CN110136010A CN201910314537.8A CN201910314537A CN110136010A CN 110136010 A CN110136010 A CN 110136010A CN 201910314537 A CN201910314537 A CN 201910314537A CN 110136010 A CN110136010 A CN 110136010A
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risk
target
information
record
event
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林佩珊
易楠
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Ping An Property and Casualty Insurance Company of China Ltd
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Ping An Property and Casualty Insurance Company of China Ltd
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Priority to CN201910314537.8A priority Critical patent/CN110136010A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06NCOMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N3/00Computing arrangements based on biological models
    • G06N3/02Neural networks
    • G06N3/04Architecture, e.g. interconnection topology
    • G06N3/045Combinations of networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06NCOMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N3/00Computing arrangements based on biological models
    • G06N3/02Neural networks
    • G06N3/08Learning methods

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
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  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

This application discloses a kind of method, apparatus and computer equipment that risk case is judged based on neural network, and wherein method includes: the record information of reading event;Receive the target risk type that user terminal selects in multiple risk classifications;Obtain target information corresponding with the target risk type in the corresponding target risk judgment models of the target risk type and the record information;The target information is input in the target risk judgment models;Risk case coefficient is calculated;If the risk case coefficient is more than default first risk threshold value, determine the event for risk case.The application reads the record information of event automatically, and is calculated the corresponding data recorded in information according to the model of user's selection, objectively user is helped to calculate the risk system of outgoing event, saves the time of user.

Description

The method, apparatus and computer equipment of risk case are judged based on neural network
Technical field
This application involves field of artificial intelligence is arrived, one kind is especially related to based on neural network and judges risk case Method, apparatus, computer equipment and storage medium.
Background technique
Vehicle insurance full name is automobile insurance, is referred to motor vehicles people due to caused by natural calamity or contingency A kind of business insurance of body injures and deaths or the negative liability to pay compensation of property loss.User carries out using automobile as insurance subject to insurance company It insures, when the case where insurance clause agreement occurs in automobile, insurance company can send prospecting personnel carry out whether checking audit The case where meeting agreement, automobile is then sent to specified maintenance factory's maintenance or user, and being about to automobile sends to specified dimension certainly Factory's maintenance is repaired, and undertakes whole or undertakes part because agreement situation occurs loss caused by insurer.
Being in danger for some vehicle insurances is due to insurer, prospecting personnel, maintenance factory, determines there is no either stretch of fact Damage person etc. is related to carrying out insurance fraud between the one or more people between Claims Resolution process " cooperation ", gains insurance company by cheating to reach Property.This kind of of insurance company's generation is defined as risk case by the case of insurance fraud.The Claims Resolution link of vehicle insurance is more, such as report a case to the security authorities, It surveys, setting loss, quotation, guidance, adjustment etc., the staff and insurer of each link or the maintenance cooperated with insurance company There may be to insurance company's insurance fraud for factory, setting loss mechanism etc..
Summary of the invention
The main purpose of the application is to provide a kind of method, apparatus and computer that risk case is judged based on neural network Equipment, it is intended to solve the problems, such as staff oneself according to event to determine whether being risk case and needing the plenty of time.
In order to achieve the above-mentioned object of the invention, the application proposes a kind of method that risk case is judged based on neural network, packet It includes:
The record information of reading event;
Receive the target risk type that user terminal selects in multiple risk classifications;
Obtain in the corresponding target risk judgment models of the target risk type and the record information with the mesh Mark the corresponding target information of risk classifications;
The target information is input in the target risk judgment models;
The model coefficient of the target risk judgment models output is received, and risk is calculated according to the model coefficient Event coefficient, the model coefficient refer to the data that target risk judgment models are obtained according to the associated information calculation of event;
If the risk case coefficient is more than preset the first risk threshold value corresponding with the target risk type, sentence The fixed event is risk case.
Further, before the step target information being input in the target risk judgment models, packet It includes:
Acquire the record information of multiple events, the multiple event include the risk case of multiple same risk classifications with And multiple non-risk cases;
The record information input of the multiple event is trained to convolutional neural networks model, obtains the risk class The risk judgment model of type.
Further, described to be trained the record information input of the multiple event to convolutional neural networks model Step, comprising:
Read putting on record the date in the record information;
According to put on record date and the preset computation rule, the corresponding flow time rank of each process flow is calculated Section;
The record date for reading the record data in record information respectively, according to the record date of each record data and respectively The record data are added the label in corresponding flow time stage by the flow time stage respectively;
According to the training type that user selects, the note of the label in the trained type corresponding flow time stage will be had Record data are input to convolutional neural networks model and are trained.
Further, the model coefficient for receiving the target risk judgment models output, and according to the model system The step of risk case coefficient is calculated in number, comprising:
Read party's information in the record information;
Count the object event quantity of the event in preset time period with party's information;
According to the object event quantity, target weight system is determined in the corresponding relationship of event number and weight coefficient Number;
The model coefficient for receiving the target risk judgment models output, by the target weight coefficient multiplied by the model Coefficient obtains the risk case coefficient.
Further, the acquisition corresponding target risk judgment models of target risk type and the record In information the step of target information corresponding with the target risk type before, comprising:
Read the target amount for which loss settled value in the record information;
The mapping table of preset amount for which loss settled threshold value and risk classifications is called, is obtained and the target risk type pair The target amount for which loss settled threshold value answered;
Judge whether the target amount for which loss settled value is greater than the target amount for which loss settled threshold value;
If so, executing the step: obtaining the corresponding target risk judgment models of the target risk type, Yi Jisuo State target information corresponding with the target risk type in record information.
The application also provides a kind of device that risk case is judged based on neural network, comprising:
First read module, for reading the record information of event;
Receiving module, the target risk type selected in multiple risk classifications for receiving user terminal;
First obtains module, for obtaining corresponding target risk judgment models of the target risk type and described Record target information corresponding with the target risk type in information;
Input module, for the target information to be input in the target risk judgment models;
Computing module, for receiving the model coefficient of the target risk judgment models output, and according to the model system Risk case coefficient is calculated in number, and the model coefficient refers to target risk judgment models according to the associated information calculation of event The data obtained;
Determination module, if being more than preset with the target risk type corresponding first for the risk case coefficient Risk threshold value then determines the event for risk case.
Further, the device that risk case is judged based on neural network further include:
Acquisition module, for acquiring the record information of multiple events, the multiple event includes multiple same risk classes The risk case of type and multiple non-risk cases;
Training module, for the record information input of the multiple event to be trained to convolutional neural networks model, Obtain the risk judgment model of the risk classifications.
Further, the training module includes:
Date unit is read, for reading putting on record the date in the record information;
Calculation stages unit calculates each process flow for date and the preset computation rule of putting on record according to The corresponding flow time stage;
Adding unit, for reading the record date of the record data in record information respectively, according to each record data The record data are added the label in corresponding flow time stage by record date and each flow time stage respectively;
Training unit, the training type for being selected according to user will have the corresponding flow time of the trained type The record data of the label in stage are input to convolutional neural networks model and are trained.
The application also provides a kind of computer equipment, including memory and processor, and the memory is stored with computer The step of program, the processor realizes any of the above-described the method when executing the computer program.
The application also provides a kind of computer readable storage medium, is stored thereon with computer program, the computer journey The step of method described in any of the above embodiments is realized when sequence is executed by processor.
The method, apparatus and computer equipment that risk case is judged based on neural network of the application, reads event automatically Record information, and according to user selection model by record information in corresponding data calculate, objectively help use Family calculates the risk system of outgoing event, is conducive to that user is helped quickly to determine whether the event is risk case, saves user Time, improve the determination rate of accuracy of risk case.
Detailed description of the invention
Fig. 1 is the flow diagram of the method that risk case is judged based on neural network of one embodiment of the application;
Fig. 2 is the structural schematic block diagram of the device that risk case is judged based on neural network of one embodiment of the application;
Fig. 3 is the structural schematic block diagram of the computer equipment of one embodiment of the application.
The embodiments will be further described with reference to the accompanying drawings for realization, functional characteristics and the advantage of the application purpose.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not For limiting the application.
Referring to Fig.1, the embodiment of the present application provides a kind of method that risk case is judged based on neural network, comprising steps of
S1, the record information for reading event;
S2, the target risk type that user terminal selects in multiple risk classifications is received;
S3, obtain in the corresponding target risk judgment models of target risk type and the record information with institute State the corresponding target information of target risk type;
S4, the target information is input in the target risk judgment models;
S5, the model coefficient for receiving the target risk judgment models output, and be calculated according to the model coefficient Risk case coefficient, the model coefficient refer to the number that target risk judgment models are obtained according to the associated information calculation of event According to;
If S6, the risk case coefficient are more than preset the first risk threshold value corresponding with the target risk type, Then determine the event for risk case.
As described in above-mentioned steps S1, in the concrete application scene of an insurance company, when insurer is public in an insurance After department insures, that is, policy information is formed, which includes insurer's information, subject matter insured (automobile) information, Claims Resolution letter Breath etc., wherein insurer can also be referred to as party, and corresponding insurer's information is also party's information.When the vapour of insurer After accident has occurred in vehicle, that is, it is in danger, the reason of insurer reports a case to the security authorities to insurance company, and then insurance company is according to accident etc. Relevant information is also recorded, and insurance information is formed.Insurance, that is, the event, entire policy information and insurance information are to belong to In record information.The record information of each event includes specific number of being in danger, place of being in danger, the time of being in danger, be in danger people Name, target of insuring information, situation of being in danger description information and the information of process tracking personnel, the information for reconnoitring personnel etc. and thing Whole information of part and post-processing of being in danger.Wherein, the number of being in danger of each insurance company is unique.Staff exists During all information of each event are uploaded onto the server.When staff needs to judge whether an event is risk case When, the Case Number of incoming event, server finds the Case Number of the event according to the Case Number, reads the event Whole record information.Alternatively, issuing some information relevant to event with user orientation server to carry out filtering out part thing Part after then determination will determine whether the event of risk case, is then forwarded to server, and server reads the thing that user selectes The record information of part.
As described in above-mentioned steps S2, risk case can be summarized as several classes, in one embodiment, according to risk source packet Insurer, prospecting employee, repair shop's three classes are included, risk source is insurer indicates it is that insurer makes false event information to guarantor Premium is gained by cheating by dangerous company;Risk source is that prospecting employee indicates to be insurer and prospecting employee's cooperative manufacture falseness record to insurance Premium is gained by cheating by company;Risk source be repair shop indicate repair shop false maintenance record is done to the vehicle that is in danger with exaggerate maintenance the amount of money with Maintenance cost is prepared to take to insurance company.Judgment mode corresponding to the risk case of different risk sources is not exactly the same, therefore Using different types of risk judgment model.After server has read above-mentioned record information, all risk classifications are loaded out, with A risk classifications are selected for user, as target risk type, i.e. user needs to determine whether the event has above-mentioned target The corresponding risk of risk classifications.User sends the event for needing to determine to server when which risk classifications is judgement event be Risk classifications, server receive user terminal issue target risk type.
As described in above-mentioned steps S3, after server has received the target risk type of user terminal sending, in preset wind Target risk judgment models corresponding with above-mentioned target risk type are searched in dangerous judgment models database.Risk judgment pattern number According to have in library it is multiple it is trained after risk judgment model, in one embodiment, have insurer's risk judgment model, survey Examine multiple risk judgment models such as employee's risk judgment model, repair shop's risk judgment model.Meanwhile each risk classifications are corresponding Decision factor be it is different, i.e., it is corresponding record information in information be not identical.Risk classifications with it is corresponding The corresponding relationship of record information type is also to obtain after staff rule of thumb arranges to process and relevant relationship.Service Device finds target information corresponding with target risk type in record information according to the corresponding relationship.
As described in above-mentioned steps S4, after server has selected target risk judgment models, then target information is input to In target risk judgment models, target risk judgment models obtain model coefficient, then based on model coefficient and in advance by calculating If rule, risk case coefficient is calculated.Above-mentioned multiple risk judgment models are using identical neural network model What training obtained, except that, according to different risk classifications, obtaining the different numbers in record information when training According to being trained.Recording in information includes all information relevant to Claims Resolution, is analyzed according to flow nodes, entire to settle a claim Process include report a case to the security authorities process, survey process, checking process, setting loss process, maintenance flow, compensate process, in a record information It include information involved by above-mentioned whole processes.For example, will have when being trained to insurer's risk judgment model The process of reporting a case to the security authorities participated in insurer in the record information of insurer's risk is surveyed information involved in process and is called out, As the sample of the training model, multiple samples are so acquired, sample set is formed, the data in sample set is then input to mind Through in network model, neural network model optimizes to obtain the spy of insurer's risk automatically according to the data in above-mentioned sample set Coefficient is levied, even if the neural network model can be used for judging recording whether information has insurer's risk.In subsequent judgement one When whether a record information has insurer's risk, only by the corresponding data of process of reporting a case to the security authorities of the record information and stream need to be surveyed The corresponding data of journey are input in the neural network model, and then neural network model calculates whether the data include above-mentioned instruction The characteristic coefficient got, if it is, determining the record information, there are insurer's risks.
As described in above-mentioned steps S5, the calculating process of monitoring server target risk judgment models, when target risk judges After model calculates, server receives the model coefficient of model output.Then server is by model coefficient according to preset meter It calculates rule and carries out calculation processing, obtain risk case coefficient.Risk case coefficient indicates that the event is above-mentioned target risk type Risk case a possibility that, risk case coefficient is higher, illustrates a possibility that event is the risk case of the risk classifications It is bigger.
As described in above-mentioned steps S6, the first risk threshold value is, different type corresponding with above-mentioned target risk judgment models The risk threshold value of risk judgment model be not identical.The risk case of each type respectively has a corresponding risk threshold Value.Above-mentioned risk case coefficient the first risk threshold value corresponding with the target risk type is compared by server, if wind Dangerous event coefficient is more than above-mentioned first risk threshold value, illustrates that event is the risk case of the risk classifications.
In one embodiment, it is above-mentioned by the target information be input to the step in the target risk judgment models it Before, comprising:
The record information of S401, the multiple events of acquisition, the multiple event includes the risk of multiple same risk classifications Event and multiple non-risk cases;
S402, the record information input of the multiple event is trained to convolutional neural networks model, is obtained described The risk judgment model of risk classifications.
In the present embodiment, the record information of multiple events is acquired by staff, and is marked to each event Whether note is risk case, wherein above-mentioned event is the event of the same risk classifications, to establish the wind of the risk classifications Dangerous judgment models.Server read work personnel acquisition multiple events record information and it is corresponding whether be risk The label of event, and be input in convolutional neural networks model the learning training that exercises supervision, i.e., to convolutional neural networks model Parameter optimization obtains the risk judgment model of above-mentioned risk classifications.
In one embodiment, the record information input described above by the multiple event is to convolutional neural networks model The step of being trained, comprising:
S412, putting on record the date in the record information is read;
S422, put on record according to date and preset computation rule, when calculating the corresponding process of each process flow Between the stage;
S432, the record date for recording the record data in information is read respectively, according to the record date of each record data And each flow time stage, the record data are added to the label in corresponding flow time stage respectively;
S442, the training type selected according to user will have the mark in the trained type corresponding flow time stage The record data of label are input to convolutional neural networks model and are trained.
In the present embodiment, recording in information includes many data, and whole related datas with event are to belong to record In information.Wherein, it including puts on record the date, the date of putting on record refers to the date that event occurs and registers.It is recorded on record information In the first row, server reads this and puts on record the date.Then preset computation rule is called, computation rule includes each process flow Corresponding time phase, i.e., the corresponding time span of each process in processing event procedure, such as requirements of process one day of reporting a case to the security authorities, Survey requirements of process two days, checking process need one day, setting loss requirements of process three days, maintenance flow need week etc..Clothes Device be engaged according to above-mentioned computation rule, the date that will put on record plus corresponding number of days, obtains the time phase of each process, it can When recorded by the data in record information, so that it may determine that the data are to belong to the data of which flow stages.So Afterwards by the whole record data recorded in information according to record date, which determination be in flow time stage, then in addition Corresponding flow time phase tag.When user selects one of risk classifications to be trained, the server calls risk The corresponding data requirements of type obtains the data type for training the risk classifications to need, that is, which flow stages is needed to need Data are recorded, the data of the label comprising the flow time stage in record information are then input to convolutional neural networks model In, it is trained.Finally obtain the corresponding risk judgment model of the risk classifications.
In one embodiment, the model coefficient of the above-mentioned reception target risk judgment models output, and according to described The step of risk case coefficient is calculated in model coefficient, comprising:
S51, the party's information recorded in information is read;
The object event quantity of event with party's information in S52, statistics preset time period;
S53, according to the object event quantity, weight system is determined in the corresponding relationship of event number and weight coefficient Number;
S54, the model coefficient for receiving the target risk judgment models output, by the target weight coefficient multiplied by described Model coefficient obtains the risk case coefficient.
Include party's information in above-mentioned record information in the present embodiment, party's information include insurer name, The information relevant to insurer such as gender, head portrait photo, identity card picture, identification card number.Server selects one of them to have Then the information (such as identification card number) of unique identification is being taken as the party's information for representing insurer with party's information The lookup insurer in business device carries out reporting a case to the security authorities within a preset period of time the quantity of the event that generates.The preset time period is by working Personnel are arranged according to above-mentioned risk judgment model, are usually arranged 1 year, and corresponding event number is also with weight coefficient Staff is arranged according to above-mentioned risk judgment model.After getting above-mentioned event number, above-mentioned event number is called out With the corresponding relationship of weight coefficient, target weight coefficient is found.Then target weight coefficient is obtained multiplied by above-mentioned model coefficient To risk case coefficient, risk case system is compared with the first risk threshold value then, this is determined according to comparison result Whether event is risk case.
In one embodiment, the corresponding target risk judgment models of the above-mentioned acquisition target risk type, Yi Jisuo Before the step of stating target information corresponding with the target risk type in record information, comprising:
S301, the target amount for which loss settled value recorded in information is read;
S302, the mapping table for calling preset amount for which loss settled threshold value and risk classifications are obtained and the risk classifications Corresponding target amount for which loss settled threshold value;
S303, judge whether the target amount for which loss settled value is greater than the target amount for which loss settled threshold value, if so, executing institute State step: obtain in the corresponding target risk judgment models of the target risk type and the record information with the mesh Mark the corresponding target information of risk classifications.
In the present embodiment, recording has amount for which loss settled, that is, after the loss in insurance subject has occurred, the warp of generation in information After Ji loss, insurance company needs to compensate to the amount of money of insurer.Amount for which loss settled is also a part belonged in record information.Clothes Business device reads the record information of above-mentioned event, reads target amount for which loss settled value therein, while reading the target of user terminal input Then risk classifications call the mapping table of staff preset risk classifications and amount for which loss settled threshold value, find and mesh The corresponding target amount for which loss settled threshold value of risk classifications is marked, then by row ratio when target amount for which loss settled value and target amount for which loss settled threshold value Compared with if target amount for which loss settled value is higher than target amount for which loss settled threshold value, it is likely that be that client wants higher by Claims Resolution acquisition Interests, which is likely to be risk case, thus generates input instruction, for the specify information in the record information is defeated Enter into target risk judgment models, further determines whether to be risk case.If above-mentioned target amount for which loss settled value compares target Amount for which loss settled threshold value is low, and client is very small by the interests that the behavior of insurance fraud obtains, such behavior from legal principle for be Unreasonable, insurance fraud need not be carried out, so that assert is the loss that insurance agreement really has occurred.It is managed by one target of setting The judgement for paying for amount of money threshold value, can carry out simple data screening, to reduce the meter of target risk judgment models before calculating Calculation amount can greatly improve the speed for judging multiple events in the case where whether judge multiple events is risk case.
In one embodiment, after the step of above-mentioned judgement event is risk case, comprising:
S7, the record information of the event is sent to the work people on list corresponding with the target risk type Member, so that the staff handles the event.
In the present embodiment, the judgement of risk case is judged after being calculated by risk model, can not be certainly Risk case needs staff further to verify.The staff of insurance company is more, and according to different risk classifications And classify, the corresponding event of target risk type, which is sent to corresponding staff, to be handled, and the efficiency of processing is more It is high more acurrate.The employee of managerial staff member is in advance by sole duty in the staff that handles same risk classifications and corresponding It is that mode (mailbox) is included in onto a list.The server later period has determined the risk case of a target risk type Afterwards, list corresponding with target risk type is called out, the mailbox then risk case being sent in list.
In one embodiment, it is above-mentioned the record information of the event is sent to it is corresponding with the target risk type Before the step of staff on list, comprising:
S701, the record information of the event is encrypted.
Include the privacy information of client in the present embodiment, in event, if mail is intercepted by hacker, will lead to the letter of client Breath leaks, and therefore, the record information of event is encrypted, is then sent to staff by mail again, can be further Effectively prevent the information leakage of client.Record information is exported in the form of word document, is then added word document Then word document is compressed and (can be compressed into rar format using winrar compressed software), then will by upper first password Compressed rar file adds the second password for decompression, and first password and the second password be not identical, and playing preferably prevents The effect of information leakage.
In one embodiment, it is above-mentioned the record information of the event is sent to it is corresponding with the target risk type After the step of staff on list, comprising:
S8, the party recorded in information is obtained;
Other event informations of party described in S9, invoking server;
S10, other described event informations are sent to the staff.
In the present embodiment, party, that is, insurer, insurer is usually the buyer insured, when insurance subject is damaged When, while being also that insurer obtains the people of corresponding interests.The specified location recorded in information is party's information, server Read record information in designated position, acquire the information of insurer, the identification card number including insurer, then server with The identification card number of the insurer scans for, and obtains other event informations relevant to insurer, then by other event informations It is also sent to staff, it is further more acurrate convenient for staff to give staff's more data relevant to insurer Above-mentioned risk case is handled.
In conclusion the method for judging risk case based on neural network of the application, the automatic record letter for reading event Breath, and calculated the corresponding data recorded in information according to the model of user's selection, objectively user is helped to calculate The risk system of event is conducive to that user is helped quickly to determine whether the event is risk case, saves the time of user, mention The determination rate of accuracy of high risk event.
Referring to Fig. 2, a kind of device that risk case is judged based on neural network is also provided in the embodiment of the present application, comprising:
First read module 1, for reading the record information of event;
Receiving module 2, the target risk type selected in multiple risk classifications for receiving user terminal;
First obtains module 3, for obtaining corresponding target risk judgment models of the target risk type and described Record target information corresponding with the target risk type in information;
Input module 4, for the target information to be input in the target risk judgment models;
Computing module 5, for receiving the model coefficient of the target risk judgment models output, and according to the model system Risk case coefficient is calculated in number, and the model coefficient refers to target risk judgment models according to the associated information calculation of event The data obtained;
Determination module 6, if being more than preset corresponding with the target risk type for the risk case coefficient One risk threshold value then determines the event for risk case.
In the present embodiment, when insurer is after an insurance company insures, that is, policy information is formed, which includes Party's information, subject matter insured (automobile) information, Claims Resolution information etc..After accident has occurred in the automobile of insurer, that is, it is in danger, The reason of insurer reports a case to the security authorities to insurance company, and then insurance company is according to accident etc. relevant information also recorded, Form insurance information.Insurance, that is, the event, entire policy information and insurance information are to belong to record information.Each event Record information all includes specific number of being in danger, place of being in danger, the time of being in danger, the people's name that is in danger, target of insuring information, is in danger Situation description information and the information of process tracking personnel, the information for reconnoitring personnel etc. and event and post-processing of being in danger it is complete The information in portion.Wherein, the number of being in danger of each insurance company is unique.Staff each event all information on It passes in server.When staff needs to judge whether an event is risk case, the Case Number of incoming event One read module 1 is numbered according to the outgoing event, finds the number of being in danger of the event, reads whole record letters of the event Breath.Alternatively, issuing some information relevant to event with user orientation server to carry out filtering out partial event, then determination will be sentenced It is fixed whether be risk case event after, be then forwarded to the first read module 1, the first read module 1 reads the thing that user selectes The record information of part.
Risk case can be summarized as several classes, include insurer, scout according to risk source in one embodiment Work, repair shop's three classes, risk source are insurer indicates it is that insurer makes false event information to gain premium by cheating to insurance company; Risk source is that prospecting employee indicates to be insurer and prospecting employee's cooperative manufacture falseness record to gain premium by cheating to insurance company;Wind Dangerous source is that repair shop indicates that false maintenance record is done to the vehicle that is in danger to exaggerate the maintenance amount of money to be prepared to take to insurance company by repair shop Maintenance cost.Judgment mode corresponding to the risk case of different risk sources is not exactly the same, therefore using different types of Risk judgment model.After server has read above-mentioned record information, all risk classifications are loaded out, one for selection by the user Risk classifications, as target risk type, i.e. user needs to determine whether the event has above-mentioned target risk type corresponding Risk.User sends the risk classifications for needing the event determined to server when which risk classifications is judgement event be, receives Module 2 receives the target risk type that user terminal issues.
After receiving module 2 has received the target risk type of user terminal sending, first obtains module 3 in preset risk Target risk judgment models corresponding with above-mentioned target risk type are searched in judgment models database.Risk judgment model data Have in library it is multiple it is trained after risk judgment model, in one embodiment, have insurer's risk judgment model, prospecting Multiple risk judgment models such as employee's risk judgment model, repair shop's risk judgment model.Meanwhile each risk classifications are corresponding Decision factor be it is different, i.e., it is corresponding record information in information be not identical.Risk classifications and corresponding note The corresponding relationship of record information type is also to obtain after staff rule of thumb arranges to process and relevant relationship.First obtains Modulus block 3 finds target information corresponding with target risk type in record information according to the corresponding relationship.
After first acquisition module 3 has selected target risk judgment models, then target information is input to mesh by input module 4 It marks in risk judgment model, target risk judgment models obtain model coefficient, then based on model coefficient and preset by calculating Rule, risk case coefficient is calculated.Above-mentioned multiple risk judgment models are instructed using identical neural network model It gets, except that, according to different risk classifications, obtaining the different data in record information when training To be trained.Recording in information includes all information relevant to Claims Resolution, is analyzed according to flow nodes, entire Claims Resolution stream Journey include report a case to the security authorities process, survey process, checking process, setting loss process, maintenance flow, compensate process, wrap in a record information Information involved by above-mentioned whole processes is included.For example, will have throwing when being trained to insurer's risk judgment model The process of reporting a case to the security authorities participated in insurer in the record information of guarantor's risk is surveyed information involved in process and is called out, and makees For the sample of the training model, multiple samples are so acquired, sample set is formed, the data in sample set is then input to nerve In network model, neural network model optimizes to obtain the feature of insurer's risk automatically according to the data in above-mentioned sample set Coefficient, even if the neural network model can be used for judging recording whether information has insurer's risk.In subsequent judgement one When whether record information has insurer's risk, only by the corresponding data of process of reporting a case to the security authorities of the record information and process need to be surveyed Corresponding data are input in the neural network model, and then neural network model calculates whether the data include above-mentioned training Obtained characteristic coefficient, if it is, determining the record information, there are insurer's risks.
The calculating process of 5 monitoring objective risk judgment model of computing module, after target risk judgment models calculate, Computing module 5 receives the model coefficient of model output.Then computing module 5 carries out model coefficient according to preset computation rule Calculation processing obtains risk case coefficient.Risk case coefficient indicates that the event is the risk case of above-mentioned target risk type A possibility that, risk case coefficient is higher, illustrates that a possibility that event is the risk case of the risk classifications is bigger.
First risk threshold value is, the wind of different types of risk judgment model corresponding with above-mentioned target risk judgment models Dangerous threshold value is not identical.The risk case of each type respectively has a corresponding risk threshold value.Determination module 6 will be above-mentioned Risk case coefficient the first risk threshold value corresponding with the target risk type is compared, if risk case coefficient is more than upper The first risk threshold value is stated, 6 judgement event of determination module is the risk case of the risk classifications.
In one embodiment, the above-mentioned device that risk case is judged based on neural network further include:
Acquisition module, for acquiring the record information of multiple events, the multiple event includes multiple same risk classes The risk case of type and multiple non-risk cases;
Training module, for the record information input of the multiple event to be trained to convolutional neural networks model, Obtain the risk judgment model of the risk classifications.
In the present embodiment, the record information of multiple events is acquired by acquisition module, and is marked to each event Whether note is risk case, wherein above-mentioned event is the event of the same risk classifications, to establish the wind of the risk classifications Dangerous judgment models.Training module read work personnel acquisition multiple events record information and it is corresponding whether be wind The label of dangerous event, and be input in convolutional neural networks model the learning training that exercises supervision, i.e., to convolutional neural networks model Parameter optimization, obtain the risk judgment model of above-mentioned risk classifications.
In one embodiment, above-mentioned training module includes:
Date unit is read, for reading putting on record the date in the record information;
Calculation stages unit calculates each process flow for date and the preset computation rule of putting on record according to The corresponding flow time stage;
Adding unit, for reading the record date of the record data in record information respectively, according to each record data The record data are added the label in corresponding flow time stage by record date and each flow time stage respectively;
Training unit, the training type for being selected according to user will have the corresponding flow time of the trained type The record data of the label in stage are input to convolutional neural networks model and are trained.
In the present embodiment, recording in information includes many data, and whole related datas with event are to belong to record In information.Wherein, it including puts on record the date, the date of putting on record refers to the date that event occurs and registers.It is recorded on record information In the first row, read date unit and read this and put on record the date.Then the preset computation rule of calculation stages cell call calculates Rule includes the corresponding time phase of each process flow, i.e., the corresponding time span of each process, example in processing event procedure Such as report a case to the security authorities requirements of process one day, survey requirements of process two days, checking process needs one day, setting loss requirements of process three days, maintenance stream Journey needs week etc..According to above-mentioned computation rule, the date that will put on record plus corresponding number of days, obtains calculation stages unit The time phase of each process, it can when recorded by the data in record information, so that it may determine that the data are Belong to the data of which flow stages.Then by the whole record data recorded in information according to record date, which determination is The flow time stage, then adding unit adds upper corresponding flow time phase tag.When user selects one of wind When dangerous type is trained, the corresponding data requirements of the server calls risk classifications obtains training risk classifications needs Data type, that is, the record data for needing which flow stages to need, it includes the process in information that then training unit, which will record, The data of the label of time phase are input in convolutional neural networks model, are trained.It is corresponding to finally obtain the risk classifications Risk judgment model.
In one embodiment, above-mentioned computing module 5 includes:
Reading unit, for reading party's information in the record information;
Statistic unit, for counting the object event quantity of the event in preset time period with party's information;
Determination unit is used for according to the object event quantity, in the corresponding relationship of event number and weight coefficient really Determine weight coefficient;
Computing unit, for receiving the model coefficient of the target risk judgment models output, by the target weight system Number obtains the risk case coefficient multiplied by the model coefficient.
Include party's information in above-mentioned record information in the present embodiment, party's information include insurer name, The information relevant to insurer such as gender, head portrait photo, identity card picture, identification card number.The one of tool of reading unit selection There is the information (such as identification card number) of unique identification, as the party's information for representing insurer, then statistic unit is with the relationship The lookup insurer of people's information in the server carries out reporting a case to the security authorities the quantity of the event that generates within a preset period of time.The preset time Section is to be arranged by staff according to above-mentioned risk judgment model, is usually arranged 1 year, corresponding event number and power Weight coefficient is also that staff is arranged according to above-mentioned risk judgment model.After getting above-mentioned event number, determination unit The corresponding relationship for calling out above-mentioned event number and weight coefficient finds target weight coefficient.Then computing unit is by target Weight coefficient obtains risk case coefficient multiplied by above-mentioned model coefficient, then by risk case system and the first risk threshold value into Row compares, and determines whether the event is risk case according to comparison result.
In one embodiment, the above-mentioned device that risk case is judged based on neural network further include:
Second read module, for reading the target amount for which loss settled value in the record information;
First calling module, for calling the mapping table of preset amount for which loss settled threshold value and risk classifications, obtain with The corresponding target amount for which loss settled threshold value of the risk classifications;
Judgment module, for judging whether the target amount for which loss settled value is greater than the target amount for which loss settled threshold value, if institute Target amount for which loss settled value is stated greater than the target amount for which loss settled threshold value, then the first acquisition module 3 is called to obtain the target risk Target letter corresponding with the target risk type in the corresponding target risk judgment models of type and the record information Breath.
In the present embodiment, recording has amount for which loss settled, that is, after the loss in insurance subject has occurred, the warp of generation in information After Ji loss, insurance company needs to compensate to the amount of money of insurer.Amount for which loss settled is also a part belonged in record information.The Two read modules read the record information of above-mentioned event, read target amount for which loss settled value therein, while the first calling module is read Then the target risk type for taking user terminal to input calls the preset risk classifications of staff corresponding with amount for which loss settled threshold value Relation table, the first calling module find target amount for which loss settled threshold value corresponding with target risk type, and then judgment module will Target amount for which loss settled value is when target amount for which loss settled threshold value compared with row, if target amount for which loss settled value is higher than target amount for which loss settled threshold Value, it is likely that be that client wants to obtain higher interests by Claims Resolution, which is likely to be risk case, thus instruction module Input instruction is generated, further to sentence for the specify information in the record information to be input in target risk judgment models Whether disconnected is risk case.If above-mentioned target amount for which loss settled value is lower than target amount for which loss settled threshold value, the row that client passes through insurance fraud For and obtain interests it is very small, such behavior from legal principle for be it is unreasonable, insurance fraud need not be carried out, to assert It is the loss that insurance agreement really has occurred.By the way that the judgement of a target amount for which loss settled threshold value is arranged, can advance calculating The simple data screening of row is judging whether multiple events are risk things to reduce the calculation amount of target risk judgment models In the case where part, the speed for judging multiple events can be greatly improved.
In one embodiment, the above-mentioned device that risk case is judged based on neural network further include:
First sending module, for the record information of the event to be sent to name corresponding with the target risk type Staff on list, so that the staff handles the event.
In the present embodiment, the judgement of risk case is judged after being calculated by risk model, can not be certainly Risk case needs staff further to verify.The staff of insurance company is more, and according to different risk classifications And classify, the corresponding event of target risk type is sent to corresponding staff and handled by the first sending module, What is handled is more efficient more acurrate.The employee of managerial staff member is in advance by sole duty in the staff for handling same risk classifications And corresponding contact method (mailbox) is included in onto a list.First sending module later period determined a target wind After the risk case of dangerous type, list corresponding with target risk type is called out, the risk case is then sent to list In mailbox.
In one embodiment, the above-mentioned device that risk case is judged based on neural network further include:
Encrypting module, for encrypting the record information of the event.
Include the privacy information of client in the present embodiment, in event, if mail is intercepted by hacker, will lead to the letter of client Breath leaks, and therefore, encrypting module encrypts the record information of event, is then sent to staff by mail again, can Further effectively to prevent the information leakage of client.Record information is exported in the form of word document, then by word text Shelves are carried out plus first password, and then being compressed word document (can be compressed into rar lattice using winrar compressed software Formula), then compressed rar file is added to the second password for being used for decompressing, first password and the second password be not identical, plays Preferably prevent the effect of information leakage.
In one embodiment, the above-mentioned device that risk case is judged based on neural network further include:
Third obtains module, for obtaining the insurer in the record information;
Second calling module, other insurance informations for insurer described in invoking server;
Second sending module, for other described insurance informations to be sent to the staff.
In the present embodiment, insurer is usually the buyer insured, when insurance subject is damaged, while being also to insure People obtains the people of corresponding interests.Specified location in record information is party's information, and third obtains module and reads record Designated position in information acquires the information of insurer, and the identification card number including insurer, then the second calling module is with this The identification card number of insurer scans for, and obtains other insurance informations relevant to insurer, then the second sending module by its He is also sent to staff by insurance information, to give the more data relevant to insurer of staff, convenient for staff into One step is more accurately handled above-mentioned risk case.
In conclusion the device for judging risk case based on neural network of the application, the automatic record letter for reading event Breath, and calculated the corresponding data recorded in information according to the model of user's selection, objectively user is helped to calculate The risk system of event is conducive to that user is helped quickly to determine whether the event is risk case, saves the time of user, mention The determination rate of accuracy of high risk event.
Referring to Fig. 3, a kind of computer equipment is also provided in the embodiment of the present application, which can be server, Its internal structure can be as shown in Figure 3.The computer equipment includes processor, the memory, network connected by system bus Interface and database.Wherein, the processor of the Computer Design is for providing calculating and control ability.The computer equipment is deposited Reservoir includes non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program And database.The internal memory provides environment for the operation of operating system and computer program in non-volatile memory medium.It should The database of computer equipment is for storing the data such as record information, party's information, risk judgment model.The computer equipment Network interface be used to communicate with external terminal by network connection.To realize one when the computer program is executed by processor The method that kind judges risk case based on neural network.
The step of above-mentioned processor executes the above-mentioned method that risk case is judged based on neural network: the record of event is read Information;Receive the target risk type that user terminal selects in multiple risk classifications;It is corresponding to obtain the target risk type Target information corresponding with the target risk type in target risk judgment models and the record information;By the mesh Information input is marked into the target risk judgment models;The model coefficient of the target risk judgment models output is received, and Risk case coefficient is calculated according to the model coefficient, the model coefficient refers to target risk judgment models according to event The data that obtain of associated information calculation;If the risk case coefficient is more than preset corresponding with the target risk type First risk threshold value then determines the event for risk case.
In one embodiment, above-mentioned processor execution is described is input to the target risk judgement for the target information Before step in model, comprising: acquire the record information of multiple events, the multiple event includes multiple same risk classes The risk case of type and multiple non-risk cases;By the record information input of the multiple event to convolutional neural networks model It is trained, obtains the risk judgment model of the risk classifications.
On in one embodiment, above-mentioned processor executes the record information input by the multiple event to convolution The step of neural network model is trained, comprising: read putting on record the date in the record information;It is put on record the date according to described And preset computation rule, calculate each process flow corresponding flow time stage;The note in record information is read respectively The record date for recording data, according to the record date of each record data and each flow time stage, by the record data point The label in corresponding flow time stage is not added;It, will be corresponding with the trained type according to the training type that user selects The record data of label in flow time stage be input to convolutional neural networks model and be trained.
In one embodiment, above-mentioned processor executes the model system for receiving the target risk judgment models output Number, and the step of risk case coefficient is calculated according to the model coefficient, comprising: read the relationship in the record information People's information;Count the object event quantity of the event in preset time period with party's information;According to the target thing Number of packages amount determines target weight coefficient in the corresponding relationship of event number and weight coefficient;Receive the target risk judgement The model coefficient of model output obtains the risk case coefficient by the target weight coefficient multiplied by the model coefficient.
In one embodiment, above-mentioned processor executes the corresponding target risk of the target risk type that obtains and sentences In disconnected model and the record information the step of target information corresponding with the target risk type before, comprising: reading Target amount for which loss settled value in the record information;The mapping table of preset amount for which loss settled threshold value and risk classifications is called, Obtain target amount for which loss settled threshold value corresponding with the target risk type;Judge whether the target amount for which loss settled value is greater than institute State target amount for which loss settled threshold value;If so, executing the step: obtaining the corresponding target risk judgement of the target risk type Target information corresponding with the target risk type in model and the record information.
In one embodiment, after above-mentioned processor executes described the step of determining the event for risk case, packet It includes: the record information of the event being sent to the staff on list corresponding with the target risk type, with toilet Staff is stated to handle the event.
In one embodiment, above-mentioned processor, which executes, described is sent to the record information of the event and the target Before the step of staff on the corresponding list of risk classifications, comprising: encrypt the record information of the event.
Event is in conclusion the computer equipment of the application reads the record information of event automatically, and is selected according to user Model by record information in corresponding data calculate, objectively help user calculate outgoing event risk system, have Conducive to helping user quickly to determine whether the event is risk case, the time of user is saved, the judgement of risk case is improved Accuracy rate.
It will be understood by those skilled in the art that structure shown in Fig. 3, only part relevant to application scheme is tied The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme.
One embodiment of the application also provides a kind of computer readable storage medium, is stored thereon with computer program, calculates Machine program realizes a kind of method that risk case is judged based on neural network when being executed by processor, specifically: read event Record information;Receive the target risk type that user terminal selects in multiple risk classifications;Obtain the target risk type pair Target information corresponding with the target risk type in the target risk judgment models and the record information answered;By institute Target information is stated to be input in the target risk judgment models;Receive the model system of the target risk judgment models output Number, and risk case coefficient is calculated according to the model coefficient, the model coefficient refers to target risk judgment models root The data obtained according to the associated information calculation of event;If the risk case coefficient is more than the preset and target risk type Corresponding first risk threshold value then determines the event for risk case.
In one embodiment, above-mentioned processor execution is described is input to the target risk judgement for the target information Before step in model, comprising: acquire the record information of multiple events, the multiple event includes multiple same risk classes The risk case of type and multiple non-risk cases;By the record information input of the multiple event to convolutional neural networks model It is trained, obtains the risk judgment model of the risk classifications.
On in one embodiment, above-mentioned processor executes the record information input by the multiple event to convolution The step of neural network model is trained, comprising: read putting on record the date in the record information;It is put on record the date according to described And preset computation rule, calculate each process flow corresponding flow time stage;The note in record information is read respectively The record date for recording data, according to the record date of each record data and each flow time stage, by the record data point The label in corresponding flow time stage is not added;It, will be corresponding with the trained type according to the training type that user selects The record data of label in flow time stage be input to convolutional neural networks model and be trained.
In one embodiment, above-mentioned processor executes the model system for receiving the target risk judgment models output Number, and the step of risk case coefficient is calculated according to the model coefficient, comprising: read the relationship in the record information People's information;Count the object event quantity of the event in preset time period with party's information;According to the target thing Number of packages amount determines target weight coefficient in the corresponding relationship of event number and weight coefficient;Receive the target risk judgement The model coefficient of model output obtains the risk case coefficient by the target weight coefficient multiplied by the model coefficient.
In one embodiment, above-mentioned processor executes the corresponding target risk of the target risk type that obtains and sentences In disconnected model and the record information the step of target information corresponding with the target risk type before, comprising: reading Target amount for which loss settled value in the record information;The mapping table of preset amount for which loss settled threshold value and risk classifications is called, Obtain target amount for which loss settled threshold value corresponding with the target risk type;Judge whether the target amount for which loss settled value is greater than institute State target amount for which loss settled threshold value;If so, executing the step: obtaining the corresponding target risk judgement of the target risk type Target information corresponding with the target risk type in model and the record information.
In one embodiment, after above-mentioned processor executes described the step of determining the event for risk case, packet It includes: the record information of the event being sent to the staff on list corresponding with the target risk type, with toilet Staff is stated to handle the event.
In one embodiment, above-mentioned processor, which executes, described is sent to the record information of the event and the target Before the step of staff on the corresponding list of risk classifications, comprising: encrypt the record information of the event.
Event in conclusion the application computer readable storage medium, the automatic record information for reading event, and according to The model of user's selection calculates the corresponding data recorded in information, and user is objectively helped to calculate the risk of outgoing event System is conducive to that user is helped quickly to determine whether the event is risk case, saves the time of user, improves risk case Determination rate of accuracy.
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, Any reference used in provided herein and embodiment to memory, storage, database or other media, 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 speed are according to rate SDRAM (SSRSDRAM), 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 should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row His property includes, so that the process, device, article or the method that include a series of elements not only include those elements, and And further include other elements that are not explicitly listed, or further include for this process, device, article or method institute it is intrinsic Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do There is also other identical elements in the process, device of element, article or method.
The foregoing is merely preferred embodiment of the present application, are not intended to limit the scope of the patents of the application, all utilizations Equivalent structure or equivalent flow shift made by present specification and accompanying drawing content is applied directly or indirectly in other correlations Technical field, similarly include in the scope of patent protection of the application.

Claims (10)

1. a kind of method for judging risk case based on neural network characterized by comprising
The record information of reading event;
Receive the target risk type that user terminal selects in multiple risk classifications;
Obtain in the corresponding target risk judgment models of the target risk type and the record information with the target wind The corresponding target information of dangerous type;
The target information is input in the target risk judgment models;
The model coefficient of the target risk judgment models output is received, and risk case is calculated according to the model coefficient Coefficient, the model coefficient refer to the data that target risk judgment models are obtained according to the associated information calculation of event;
If the risk case coefficient is more than preset the first risk threshold value corresponding with the target risk type, institute is determined Stating event is risk case.
2. the method for risk case is judged based on neural network as described in claim 1, which is characterized in that described by the mesh Before mark information input to the step in the target risk judgment models, comprising:
Acquire the record information of multiple events, the multiple event includes the risk cases of multiple same risk classifications and more A non-risk case;
The record information input of the multiple event is trained to convolutional neural networks model, obtains the risk classifications Risk judgment model.
3. the method for risk case is judged based on neural network as claimed in claim 2, which is characterized in that it is described will be described more The step of record information input of a event is trained to convolutional neural networks model, comprising:
Read putting on record the date in the record information;
According to put on record date and the preset computation rule, calculate when managing the corresponding process of process everywhere in the event Between the stage;
The record date for reading the record data in record information respectively, according to the record date of each record data and each process The record data are added the label in corresponding flow time stage by time phase respectively;
According to the training type that user selects, the record number of the label in the trained type corresponding flow time stage will be had It is trained according to convolutional neural networks model is input to.
4. the method for risk case is judged based on neural network as described in claim 1, which is characterized in that described in the reception The model coefficient of target risk judgment models output, and the step of risk case coefficient is calculated according to the model coefficient, Include:
Read party's information in the record information;
Count the object event quantity of the event in preset time period with party's information;
According to the object event quantity, target weight coefficient is determined in the corresponding relationship of event number and weight coefficient;
The model coefficient for receiving the target risk judgment models output, by the target weight coefficient multiplied by the model system Number, obtains the risk case coefficient.
5. the method for risk case is judged based on neural network as described in claim 1, which is characterized in that described in the acquisition It is corresponding with the target risk type in the corresponding target risk judgment models of target risk type and the record information Before the step of target information, comprising:
Read the target amount for which loss settled value in the record information;
The mapping table of preset amount for which loss settled threshold value and risk classifications is called, is obtained corresponding with the target risk type Target amount for which loss settled threshold value;
Judge whether the target amount for which loss settled value is greater than the target amount for which loss settled threshold value;
If so, executing the step: obtaining the corresponding target risk judgment models of the target risk type and the note Record target information corresponding with the target risk type in information.
6. a kind of device for judging risk case based on neural network characterized by comprising
First read module, for reading the record information of event;
Receiving module, the target risk type selected in multiple risk classifications for receiving user terminal;
First obtains module, for obtaining the corresponding target risk judgment models of the target risk type and the record Target information corresponding with the target risk type in information;
Input module, for the target information to be input in the target risk judgment models;
Computing module, for receiving the model coefficient of the target risk judgment models output, and according to the model coefficient meter Calculation obtains risk case coefficient, and the model coefficient refers to that target risk judgment models are obtained according to the associated information calculation of event Data;
Determination module, if being more than preset the first risk corresponding with the target risk type for the risk case coefficient Threshold value then determines the event for risk case.
7. the device of risk case is judged based on neural network as claimed in claim 6, which is characterized in that further include:
Acquisition module, for acquiring the record information of multiple events, the multiple event includes multiple same risk classifications Risk case and multiple non-risk cases;
Training module is obtained for the record information input of the multiple event to be trained to convolutional neural networks model The risk judgment model of the risk classifications.
8. the device of risk case is judged based on neural network as claimed in claim 7, which is characterized in that the training module Include:
Date unit is read, for reading putting on record the date in the record information;
It is corresponding to calculate each process flow for date and the preset computation rule of putting on record according to for calculation stages unit The flow time stage;
Adding unit, for reading the record date of the record data in record information respectively, according to the record of each record data The record data are added the label in corresponding flow time stage by date and each flow time stage respectively;
Training unit, the training type for being selected according to user will have the trained type corresponding flow time stage The record data of label be input to convolutional neural networks model and be trained.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists In the step of processor realizes any one of claims 1 to 5 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program The step of method described in any one of claims 1 to 5 is realized when being executed by processor.
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CN109410036A (en) * 2018-10-09 2019-03-01 北京芯盾时代科技有限公司 A kind of fraud detection model training method and device and fraud detection method and device
CN109492095A (en) * 2018-10-16 2019-03-19 平安健康保险股份有限公司 Claims Resolution data processing method, device, computer equipment and storage medium

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110826621A (en) * 2019-11-01 2020-02-21 北京芯盾时代科技有限公司 Risk event processing method and device
CN113515486A (en) * 2020-04-10 2021-10-19 华晨宝马汽车有限公司 Method, system and computer readable medium for event double check
CN113515486B (en) * 2020-04-10 2024-03-08 华晨宝马汽车有限公司 Method, system and computer readable medium for event duplication
CN116012169A (en) * 2022-12-21 2023-04-25 南京睿聚科技发展有限公司 Method and system for screening risk of insurance claim settlement based on position data
CN116012169B (en) * 2022-12-21 2024-03-22 南京睿聚科技发展有限公司 Method and system for screening risk of insurance claim settlement based on position data

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