CN110175927A - It is a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving - Google Patents
It is a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving Download PDFInfo
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- CN110175927A CN110175927A CN201910398671.0A CN201910398671A CN110175927A CN 110175927 A CN110175927 A CN 110175927A CN 201910398671 A CN201910398671 A CN 201910398671A CN 110175927 A CN110175927 A CN 110175927A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving, it is related to the anti-fraud automatic discrimination algorithmic technique field of vehicle insurance Claims Resolution, it is specially a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving, including insurance company, operator's PAAS platform (Platform-as-a-Service), operator's depth analysis cloud system, insure four part of scientific & technical corporation, described each section establishes TCP (Transmission Control Protocol) connection by application programming interface, transmit related data.The be in danger insurance of the behavior of stealthily substituting of the identification drunk driving counter cheats method, using big data modeling technique, based on carrier data, establish the anti-fake system of vehicle insurance Claims Resolution, during case of settling a claim is verified, mining analysis can be carried out from different angles, pointedly reports a case to the security authorities insurance and is rationally scored based on user behavior datas such as user's communication record, talking positions.
Description
Technical field
It settles a claim the present invention relates to vehicle insurance and instead cheats automatic discrimination algorithmic technique field, it is specially a kind of to be based on carrier data
Identification drunk driving is in danger, and the insurance stealthily substituted is counter to cheat method.
Background technique
At present vehicle insurance Claims Resolution field there are a large amount of fraud, drunk driving stealthily substitute phenomenon vehicle insurance fraud case in compare
Generally, after driver is because of drunk driving generation accident, in order to escape accident responsibility, gain insurance indemnity by cheating, it can make friend that driver be pretended to be to report
How case identifies that vehicle insurance fraud is always the problem insured practitioner and insure sciemtifec and technical sphere.
Traditional anti-fraud technology depends on regulation engine and statistical model, the process that regulation engine is implemented in deployment more
In, the business expert of needs constantly updates rule, expends a large amount of manpowers；And statistical model is difficult to go deep between the discovered EP factor
Incidence relation, especially High order correletion relationship, therefore its processing capacity is extremely restricted, while Insurance Fraud has region
Difference and timing difference cause accurately and efficiently detect settlement of insurance claim fraud currently without more perfect method.Insurance
Company needs to improve competitiveness from Claims Resolution efficiency, reinforcement risk management etc. is improved, wherein rapidly and efficiently identifies that drunk driving goes out
The danger behavior of stealthily substituting is only key.
Summary of the invention
In view of the deficiencies of the prior art, it is in danger the guarantor to stealthily substitute the present invention provides a kind of based on carrier data identification drunk driving
The anti-fraud method in danger, solves the problems mentioned above in the background art.
In order to achieve the above object, the present invention is achieved by the following technical programs: one kind is identified based on carrier data
Drunk driving is in danger, and the insurance stealthily substituted is counter to cheat method, including insurance company, operator's PAAS platform, operator's depth analysis cloud system
System, insurance four part of scientific & technical corporation, application programming interface combination authorization code, the phone number, identity of the insurance company
The parameters such as number, time of being in danger, place of being in danger are demonstrate,proved, is established and is connected by the application programming interface of TCP and insurance scientific & technical corporation
It connects, the parameters such as the application programming interface combination phone number for insuring scientific & technical corporation, time pass through TCP and operator
Depth cloud analysis system application programming interface establishes connection, and operator's depth cloud analysis system is compiled by application program
Journey interface combination communicating data, talking position establish TCP connection with operator PAAS platform, the operator PAAS platform
Application program obtains risk score by operation, and the risk score passes to insurance scientific & technical corporation, the guarantor by TCP connection
Risk score is passed to insurance company by TCP connection by dangerous scientific & technical corporation.
Optionally, the insurance company, authorization code, phone number, ID card No., time of being in danger, place of being in danger, insurance
Scientific & technical corporation, phone number, time, operator's depth analysis cloud system, communicating data, talking position, operator's PAAS platform
It is connected in series by application programming interface TCP, and operator's PAAS platform, risk score, insurance scientific & technical corporation and insurance
It is connected in series between company by application programming interface TCP.
Optionally, steps are as follows for the specific method:
A) insurance scientific & technical corporation obtains reporter's information:
Insurance company receives the report, through reporter authorize agree to after, to insurance scientific & technical corporation transmission reporter's telephone number,
Authorization code information；
B) scientific & technical corporation is insured by phone number, time tranfer to operator's depth cloud analysis system；
C) operator's depth cloud analysis system extracts communicating data, talking position to operator's PAAS platform；
D) operator PAAS platform starting drunk driving is in danger Activity recognition model of stealthily substituting:
The platform provides for operator, acceptable external data, the computing platform to establish model.
Communicating data, talking position enter model, and model automatic running obtains risk score, and the risk score is transmitted
To insurance scientific & technical corporation；
E) risk score is returned to insurance company by insurance scientific & technical corporation.
The present invention provides a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving, have with
It is lower the utility model has the advantages that
The intelligent recognition drunk driving be in danger the behavior of stealthily substituting insurance it is counter cheat method, be the first operator and insurance in big data
The cooperation in field: by establishing model algorithm system, in conjunction with operator's big data, can to users personal data, position data,
The user behavior datas such as message registration carry out the analysis of integrated system from different angles, targetedly close to case
The authenticity reported a case to the security authorities is predicted in reason scoring, and carrier data has the advantage that the scale of construction is big, latitude is more, information is true, high-quality, in conjunction with
Insure scientific & technical corporation's big data technology, solving Insurance Fraud, there are geographic difference and the pain spots of timing difference, accurate, high
Intentional manufacture vehicle in the detection settlement of insurance claim fraud of effect ground mutually touches case behavior.
Detailed description of the invention
Fig. 1 is operation of the present invention flow diagram；
Fig. 2 is that drunk driving of the present invention is stealthily substituted case identification model data mart modeling logical flow diagram.
In figure: (1) insurance company (2) authorization code, phone number, ID card No., time of being in danger, place of being in danger (3) are protected
Dangerous scientific & technical corporation (4) phone number, time (5) operator depth analysis cloud system (6) communicating data, talking position (7) operation
Quotient PAAS platform (8) risk score.
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 only a part of the embodiments of the present invention, instead of all the embodiments.
Please refer to Fig. 1 to Fig. 2, the present invention provides a kind of technical solution: one kind is in danger based on carrier data identification drunk driving
The insurance stealthily substituted is counter to cheat method, including insurance company (1), operator's PAAS platform (7), operator's depth analysis cloud system
(5), insure scientific & technical corporation (3), the insurance company (1) passes through application programming interfaces combination authorization code, phone number, identity card
Connection is established by TCP connection and insurance scientific & technical corporation (3) in number, time of being in danger, place of being in danger (2), and the insurance science and technology is public
It application programming interfaces combination phone number, the time (4) for taking charge of (3), is connect by TCP with operator's depth cloud analysis system (5),
Operator's depth cloud analysis system (5) combines communicating data, talking position (6) and operator PAAS platform (7) to establish TCP
Connection, the operator PAAS platform (7) obtain risk score (8), the wind using relevant parameter operation by application program
Danger scoring (8) passes to insurance scientific & technical corporation (3) by TCP connection, and the application program of insurance scientific & technical corporation (3) is risk
It scores (8), connection is established by TCP and insurance company (1).
Insurance company (1), authorization code, phone number, ID card No., time of being in danger, place of being in danger (2), insurance science and technology
Company (3), phone number, time (4), operator's depth analysis cloud system (5), communicating data, talking position (6), operator
By TCP connection between PAAS platform (7), and operator's PAAS platform (7), risk score (8), insurance scientific & technical corporation (3) and
Pass through TCP connection by application programming interfaces between insurance company (1).
Steps are as follows for specific method:
A) insurance scientific & technical corporation obtains reporter's information:
Insurance company (1) receives the report, after reporter authorizes agreement, to insurance scientific & technical corporation (3) transmission reporter's electricity
Talk about number, authorization code information (2)；
B) phone number, time (4) are transmitted to operator's depth cloud analysis system (5) by insurance scientific & technical corporation (3)；
C) operator's depth cloud analysis system (5) extracts communicating data, talking position (6) to operator's PAAS platform (7)；
D) operator PAAS platform (7) starting drunk driving is in danger case identification model of stealthily substituting:
The platform provides for operator, acceptable external data, the computing platform to establish model.
Communicating data, talking position (6) enter model, and model automatic running obtains risk score (8), and the risk is commented
(8) are divided to be transferred to insurance scientific & technical corporation (3)；
E) risk score (8) are returned to insurance company (1) by insurance scientific & technical corporation (3).
In conclusion the identification drunk driving is in danger, the insurance for the behavior of stealthily substituting is counter cheats method, comprising steps of
First, insurance scientific & technical corporation obtains reporter's information:
Insurance company receives the report, through reporter authorize agree to after, to insurance scientific & technical corporation transmission reporter's telephone number,
Authorization code information；
Second, scientific & technical corporation is insured by phone number, time tranfer to operator's depth cloud analysis system；
Third, operator's depth cloud analysis system extract communicating data, talking position to operator's PAAS platform；
4th, the starting drunk driving of operator's PAAS platform is in danger case identification model of stealthily substituting: the platform provides for operator, can
Receiving external data, insurance company, scientific & technical corporation drunk driving is in danger case identification model of stealthily substituting is deployed on platform, communicating data,
Talking position information enters model, and model automatic running obtains risk score, and the score is transferred to insurance scientific & technical corporation；
5th, scientific & technical corporation, which is insured, by risk score returns to insurance company；
Wherein the 4th step, drunk driving is in danger case identification model data mart modeling logic of stealthily substituting on operator's PAAS platform are as follows:
1. characteristic:
1) reporter's phone all tickets in 3 hours before the time of reporting a case to the security authorities are obtained
2) insurant (car owner) 3 hours all tickets before reporting a case to the security authorities are obtained
3) position of the reporter before the time of reporting a case to the security authorities in 3 hours is obtained
4) position of insurant (car owner) before reporting a case to the security authorities in 3 hours is obtained
2. analyzing dimension and algorithm:
1) reporter's phone was called in 3 hours by people
2) whether reporter is when being in danger the time at place of being in danger (in 1KM)
3) whether insurant (car owner) is when being in danger the time at place of being in danger (in 1KM)
4) insurant's phone occurred being greater than 2 times in reporter's call ticket writing
5) in the ticket of reporter, call caller identity card is insurant
6) in the ticket of calling party, call caller identity card is to be insured
3. algorithm designs:
1) it reports a case to the security authorities preceding 3 hours called mistakes+5, otherwise+0
2) reporter be in danger the time position and report a case to the security authorities place inconsistent+10, otherwise+0
3) insurant be in danger the time position+20 near position of being in danger, otherwise+0
4) insurant's phone is conversed in ticket writing in reporter occurred being greater than 2 times+6, and otherwise+0
5) calling party is insurant+4 in reporter's ticket, otherwise+0
6) in the ticket of calling party, call caller identity card is insurant+3, otherwise+0
4. model overall score:
Model overall score=above-mentioned 6 each points institute score summation.Score value is bigger, and case is that drunk driving is stealthily substituted the possibility of case
Property is higher.
The foregoing is only a preferred embodiment of the present invention, but scope of protection of the present invention is not limited thereto,
Anyone skilled in the art in the technical scope disclosed by the present invention, according to the technique and scheme of the present invention and its
Inventive concept is subject to equivalent substitution or change, should be covered by the protection scope of the present invention.
Claims (6)
- It is in danger that the insurance stealthily substituted is counter to cheat method, including insurance company (1), insurance based on carrier data identification drunk driving 1. a kind of Scientific & technical corporation (3), operator's depth analysis cloud system (5), operator's PAAS platform (7), it is characterised in that: the insurance company (1) ginseng such as application programming interface combination authorization code, phone number, ID card No., time of being in danger, place of being in danger (2) Number establishes connection by the application programming interface of TCP and insurance scientific & technical corporation (3), and insurance scientific & technical corporation (3) is answered With parameters such as Program Interfaces combination phone number, times (4), applied by TCP and operator's depth cloud analysis system (5) Program Interfaces establish connection.
- 2. it is according to claim 1 it is a kind of be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving, It is characterized by: operator's depth cloud analysis system (5) passes through application programming interface combination communicating data, call position (6) are set, establish TCP connection with operator's PAAS platform (7).
- 3. it is according to claim 2 it is a kind of be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving, It is characterized by: the application program of the operator PAAS platform (7) obtains risk score (8) by operation, the risk is commented (8) are divided to pass to insurance scientific & technical corporation (3) by TCP connection, the insurance scientific & technical corporation (3) comments risk by TCP connection (8) are divided to pass to insurance company (1).
- 4. it is according to claim 3 it is a kind of be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving, It is characterized by: the insurance company (1), authorization code, phone number, ID card No., time of being in danger, place of being in danger (2), guarantor Dangerous scientific & technical corporation (3), phone number, the time (4), operator's depth cloud analysis system (5), communicating data, talking position (6) and It is connected in series between operator's PAAS platform (7) by application programming interface TCP.
- 5. it is according to claim 3 it is a kind of be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving, It is characterized by: between the operator PAAS platform (7), risk score (8), insurance scientific & technical corporation (3) and insurance company (1) It is connected in series by application programming interface TCP.
- 6. a kind of described in -5 according to claim 1 be in danger the anti-fraudulent party of insurance stealthily substituted based on carrier data identification drunk driving Method, steps are as follows for the specific method:A) insurance scientific & technical corporation obtains reporter's information:Insurance company (1) receives the report, and after reporter authorizes agreement, transmits reporter's phone number to insurance scientific & technical corporation (3) Code, authorization code information (2)；B) phone number, time (4) are transmitted to operator's depth cloud analysis system (5) by insurance scientific & technical corporation (3)；C) operator's depth cloud analysis system (5) extracts communicating data, talking position (6) to operator's PAAS platform (7)；D) operator PAAS platform (7) starting drunk driving is in danger case identification model of stealthily substituting:The platform provides for operator, acceptable external data, the computing platform to establish model.Communicating data, talking position (6) enter model, and model automatic running obtains risk score (8), and by the risk score (8) it is transferred to insurance scientific & technical corporation (3)；E) risk score (8) are returned to insurance company (1) by insurance scientific & technical corporation (3).
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| CN201910398671.0A CN110175927A (en) | 2019-05-14 | 2019-05-14 | It is a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving |
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| CN201910398671.0A CN110175927A (en) | 2019-05-14 | 2019-05-14 | It is a kind of to be in danger that the insurance stealthily substituted is counter to cheat method based on carrier data identification drunk driving |
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| CN110175927A true CN110175927A (en) | 2019-08-27 |
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| CN111127226A (en) * | 2019-12-25 | 2020-05-08 | 中国联合网络通信集团有限公司 | Health risk fraud identification method, device, equipment and computer-readable storage medium |
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Application publication date: 20190827 |