CN110175928A - A kind of insurance that the intentional manufacture vehicle of identification mutually touches insurance risk is counter to cheat method - Google Patents

A kind of insurance that the intentional manufacture vehicle of identification mutually touches insurance risk is counter to cheat method Download PDF

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Publication number
CN110175928A
CN110175928A CN201910398673.XA CN201910398673A CN110175928A CN 110175928 A CN110175928 A CN 110175928A CN 201910398673 A CN201910398673 A CN 201910398673A CN 110175928 A CN110175928 A CN 110175928A
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insurance
operator
scientific
risk
technical corporation
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CN201910398673.XA
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Chinese (zh)
Inventor
梅雪松
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Antai Insurance Technology (shenzhen) Co Ltd
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Antai Insurance Technology (shenzhen) Co Ltd
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Priority to CN201910398673.XA priority Critical patent/CN110175928A/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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/01Protocols
    • H04L67/12Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/14Session management
    • H04L67/141Setup of application sessions

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Signal Processing (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • General Health & Medical Sciences (AREA)
  • Computing Systems (AREA)
  • Health & Medical Sciences (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Medical Informatics (AREA)
  • 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

The invention discloses a kind of identification insurances that deliberately manufacture vehicle mutually touches insurance risk counter to cheat method, it is related to the anti-fraud automatic discrimination algorithmic technique field of vehicle insurance Claims Resolution, the insurance that specially a kind of intentional manufacture vehicle of identification mutually touches insurance risk is counter to cheat method, including insurance company, operator's PAAS platform (Platform-as-a-Service), operator's depth analysis cloud system, insurance four part of scientific & technical corporation, described each section establishes TCP (Transmission Control Protocol) connection by application programming interface, transmits related data.The insurance that the intentional manufacture vehicle mutually touches insurance risk is counter to cheat 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

A kind of insurance that the intentional manufacture vehicle of identification mutually touches insurance risk is counter to cheat method
Technical field
It settles a claim the present invention relates to vehicle insurance and instead cheats automatic discrimination algorithmic technique field, specially a kind of intentional manufacture vehicle of identification The insurance for mutually touching insurance risk counter cheats method.
Background technique
At present in vehicle insurance Claims Resolution field there are a large amount of fraud, how to identify vehicle insurance fraud be always insure from The problem of dealer and insurance sciemtifec and technical sphere, due to there is many clauses on liability exemption that car owner cannot completely pay in insurance clause It repays, so many car owners just gain the reparation of insurance company by cheating by putting up a false scene.Traditional anti-fraud technology depends on more Regulation engine and statistical model, for regulation engine during disposing implementation, the business expert of needs constantly updates rule, expends A large amount of manpowers;And statistical model is difficult the incidence relation goed deep between the discovered EP factor, especially High order correletion relationship, therefore its Processing capacity is extremely restricted, while Insurance Fraud causes there are geographic difference and timing difference currently without completeer Kind method can accurately and efficiently detect settlement of insurance claim fraud.
The anti-core for cheating technology of settlement of insurance claim is the feature characterized by data and its incidence relation, notes abnormalities Be in danger and report a case to the security authorities, traditional statistical model is mainly to be judged according to numerical value, and the categorical data in fraud Claims Resolution is needed It after carrying out numeralization processing, can be handled, many human factors be introduced during numeralization, so that the place of conventional model Reason ability is very limited, meanwhile, statistical model linearizes nonlinear problem based on linear model It could handle, limit model to the ability of discovery of high-order feature association, regulation engine is according to input data according to preset Rule is determined that the key of model validation is in default rule, and the decision condition of these regular behinds needs to insure The experience accumulation and summary of experience of business expert, effective regulation engine need a large amount of working time accumulation of business expert and throw Enter, it, cannot accurately and effectively automatic discrimination in conclusion existing settlement of insurance claim is counter to cheat technology all there is certain deficiency Case is cheated out.
Summary of the invention
In view of the deficiencies of the prior art, the present invention provides a kind of identifications deliberately to manufacture the insurance that vehicle mutually touches insurance risk Anti- fraud method, 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: a kind of intentional manufacture vehicle of identification is mutual Touch insurance risk insurance it is counter cheat method, including insurance company, operator's PAAS platform, operator's depth analysis cloud system, Insure four part of scientific & technical corporation, application programming interface combination authorization code, the phone number, identification card number of the insurance company The parameters such as code, time of being in danger, place of being in danger establish connection by the application programming interface of TCP and insurance scientific & technical corporation, institute The parameters such as application programming interface combination phone number, the time of insurance scientific & technical corporation are stated, TCP and operator's depth cloud are passed through Application of analysis system Program Interfaces establish connection, and operator's depth cloud analysis system passes through application programming interface In conjunction with communicating data, talking position, TCP connection, the application journey of the operator PAAS platform are established with operator PAAS platform Sequence obtains risk score by operation, and the risk score passes to insurance scientific & technical corporation, the insurance science and technology by TCP connection Risk score is passed to insurance company by TCP connection by company.
The insurance company, authorization code, phone number, ID card No., time of being in danger, place of being in danger, insurance science and technology are public Lead between department, phone number, time, operator's depth cloud analysis system, communicating data, talking position and operator's PAAS platform Cross application programming interface series connection, and operator's PAAS platform, risk score, insurance scientific & technical corporation and insurance company it Between be connected in series 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) deliberately manufacture vehicle mutually touches case identification model to the starting of operator PAAS platform:
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 it is a kind of identification deliberately manufacture vehicle mutually touch insurance risk insurance it is counter cheat method, have following The utility model has the advantages that
The intelligent recognition deliberately manufacture vehicle mutually touch insurance risk insurance it is counter cheat method, be the first operator and insurance In the cooperation of big data 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, targetedly to case from different angles Part is rationally scored, and predicts the authenticity reported a case to the security authorities, and carrier data has that the scale of construction is big, latitude is more, information is true, high-quality excellent Gesture solves Insurance Fraud there are geographic difference and the pain spot of timing difference in conjunction with insurance scientific & technical corporation's big data technology, Accurately and efficiently the intentional manufacture vehicle in detection settlement of insurance claim fraud mutually touches case behavior.
Detailed description of the invention
Fig. 1 is operation of the present invention flow diagram;
Fig. 2 is that deliberately manufacture vehicle mutually touches case identification model data mart modeling logical flow diagram to the present invention.
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: a kind of intentional vehicle that manufactures of identification mutually touches insurance thing Therefore insurance it is counter 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, identification card number Connection, the insurance scientific & technical corporation are established by TCP connection and insurance scientific & technical corporation (3) in code, time of being in danger, place of being in danger (2) (3) application programming interfaces combination phone number, time (4) are connect by TCP with operator's depth cloud analysis system (5), institute It states operator's depth cloud analysis system (5) and establishes TCP company in conjunction with communicating data, talking position (6) and operator PAAS platform (7) It connects, the operator PAAS platform (7) obtains risk score (8), the risk using relevant parameter operation by application program Scoring (8) passes to insurance scientific & technical corporation (3) by TCP connection, and the application program of insurance scientific & technical corporation (3) comments risk Divide (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) deliberately manufacture vehicle mutually touches case identification model for operator PAAS platform (7) starting:
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 this it is intentional manufacture vehicle mutually touch insurance risk insurance it is counter cheat 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, deliberately manufacture vehicle mutually touches case identification model to the starting of operator's PAAS platform: the platform mentions for operator For, it is subjected to external data, intentional manufacture vehicle is mutually touched case identification model and is deployed on platform by insurance company, scientific & technical corporation, Communicating data, talking position information enter model, and model automatic running obtains risk score, and the score is transferred to Insurance Section Skill company;
5th, scientific & technical corporation, which is insured, by risk score returns to insurance company;
Wherein the 4th step deliberately manufactures vehicle on operator's PAAS platform and mutually touches case identification model data mart modeling logic Are as follows:
1. characteristic: obtaining reporter's phone all tickets in 72 hours before the time of reporting a case to the security authorities;
2. analyzing dimension and algorithm:
1) whether the corresponding identity of reporter's phone is consistent with insurant;
2) reporter once called insurant;
3) whether reporter and accident car owner report a case to the security authorities before the time to have and contact;
4) contacting number in reporter 72 hours with accident car owner is more than 2 times;
5) whether there is suspicion number in reporter's ticket;
3. algorithm designs:
1) identity inconsistent+3, identity consistent+0;
2) reporter once called insurant+5 in 72 hours before the case happened, did not call+0;
3) whether there is call before the time of reporting a case to the security authorities between reporter and accident car owner, and be+10, no+0;
4) contacting number in reporter 72 hours with accident car owner is more than 2 times+2, no+0;
5) whether there is suspicion number+6, no+0 in reporter's ticket;
4. model overall score:
Model overall score=above-mentioned 5 each points institute score summation, score value is bigger, and case is that the vehicle deliberately manufactured mutually touches A possibility that case, 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)

1. a kind of insurance that the intentional manufacture vehicle of identification mutually touches insurance risk is counter to cheat method, including insurance company (1), Insurance Section Skill company (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. the insurance that the intentional manufacture vehicle of a kind of identification according to claim 1 mutually touches insurance risk is counter to cheat method, Be characterized in that: operator's depth cloud analysis system (5) passes through application programming interface combination communicating data, talking position (6), TCP connection is established with operator's PAAS platform (7), the application program of the operator PAAS platform (7) is obtained by operation To risk score (8).
3. the insurance that the intentional manufacture vehicle of a kind of identification according to claim 1 mutually touches insurance risk is counter to cheat method, Be characterized in that: the risk score (8) passes to insurance scientific & technical corporation (3), the insurance scientific & technical corporation (3) by TCP connection Risk score (8) is passed to insurance company (1) by TCP connection.
4. the insurance that the intentional manufacture vehicle of a kind of identification according to claim 1 mutually touches insurance risk is counter to cheat method, It is characterized in that: the insurance company (1), authorization code, phone number, ID card No., time of being in danger, place of being in danger (2), insurance Scientific & technical corporation (3), phone number, time (4), operator's depth cloud analysis system (5), communicating data, talking position (6) and fortune It seeks between quotient PAAS platform (7) and is connected in series by application programming interface, and operator's PAAS platform (7), risk score (8), insure and be connected in series between scientific & technical corporation (3) and insurance company (1) by application programming interface TCP.
5. the insurance that the intentional manufacture vehicle of a kind of identification according to claim 1 mutually touches insurance risk is counter to cheat method, Be characterized in that: 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) deliberately manufacture vehicle mutually touches case identification model for operator PAAS platform (7) starting;
E) risk score (8) are returned to insurance company (1) by insurance scientific & technical corporation (3).
6. the insurance that the intentional manufacture vehicle of a kind of identification according to claim 5 mutually touches insurance risk is counter to cheat method, institute It states operator's PAAS platform (7) to provide for operator, acceptable external data, the computing platform to establish model, number of conversing Enter model according to, talking position (6), model automatic running obtains risk score (8), and the risk score (8) is transferred to guarantor Dangerous scientific & technical corporation (3).
CN201910398673.XA 2019-05-14 2019-05-14 A kind of insurance that the intentional manufacture vehicle of identification mutually touches insurance risk is counter to cheat method Pending CN110175928A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111507848A (en) * 2020-03-23 2020-08-07 南京金盾公共安全技术研究院有限公司 Big data-based vehicle insurance anti-fraud detection method
CN111754354A (en) * 2020-02-21 2020-10-09 安泰保险科技(深圳)有限公司 Insurance claim settlement anti-fraud case-dropping recognition scoring system based on block chain technology
CN111861767A (en) * 2020-07-29 2020-10-30 贵州力创科技发展有限公司 System and method for monitoring vehicle insurance fraud behaviors
CN114170030A (en) * 2021-12-08 2022-03-11 北京百度网讯科技有限公司 Method, device, electronic equipment and medium for remote damage assessment of vehicle

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CN107240024A (en) * 2017-05-22 2017-10-10 中国平安人寿保险股份有限公司 The anti-fraud recognition methods of settlement of insurance claim and device
CN107403326A (en) * 2017-08-14 2017-11-28 云数信息科技(深圳)有限公司 A kind of Insurance Fraud recognition methods and device based on teledata
CN109272413A (en) * 2018-09-12 2019-01-25 北京精友世纪软件技术有限公司 A kind of anti-fake system of vehicle insurance Claims Resolution

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107240024A (en) * 2017-05-22 2017-10-10 中国平安人寿保险股份有限公司 The anti-fraud recognition methods of settlement of insurance claim and device
CN107403326A (en) * 2017-08-14 2017-11-28 云数信息科技(深圳)有限公司 A kind of Insurance Fraud recognition methods and device based on teledata
CN109272413A (en) * 2018-09-12 2019-01-25 北京精友世纪软件技术有限公司 A kind of anti-fake system of vehicle insurance Claims Resolution

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111754354A (en) * 2020-02-21 2020-10-09 安泰保险科技(深圳)有限公司 Insurance claim settlement anti-fraud case-dropping recognition scoring system based on block chain technology
CN111507848A (en) * 2020-03-23 2020-08-07 南京金盾公共安全技术研究院有限公司 Big data-based vehicle insurance anti-fraud detection method
CN111507848B (en) * 2020-03-23 2024-03-15 南京金盾公共安全技术研究院有限公司 Big data-based vehicle insurance anti-fraud detection method
CN111861767A (en) * 2020-07-29 2020-10-30 贵州力创科技发展有限公司 System and method for monitoring vehicle insurance fraud behaviors
CN114170030A (en) * 2021-12-08 2022-03-11 北京百度网讯科技有限公司 Method, device, electronic equipment and medium for remote damage assessment of vehicle
CN114170030B (en) * 2021-12-08 2023-09-26 北京百度网讯科技有限公司 Method, apparatus, electronic device and medium for remote damage assessment of vehicle

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Application publication date: 20190827