CN110766558A - Method, device and equipment for processing data of underwriting and computer readable storage medium - Google Patents
Method, device and equipment for processing data of underwriting and computer readable storage medium Download PDFInfo
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- CN110766558A CN110766558A CN201911013653.2A CN201911013653A CN110766558A CN 110766558 A CN110766558 A CN 110766558A CN 201911013653 A CN201911013653 A CN 201911013653A CN 110766558 A CN110766558 A CN 110766558A
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Abstract
The embodiment of the invention provides a method, a device and equipment for processing underwriting data and a computer readable storage medium. The method comprises the following steps: receiving application information of an applicant; calling an underwriting rule engine to carry out primary underwriting on the application information to obtain a first underwriting result; under the condition that the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insurable information needs to be acquired, acquiring the physical examination information of at least one insured person corresponding to the first underwriting result; inputting the insurance application information corresponding to the first insurance verification result and the physical examination information of at least one insured person into a model for secondary insurance verification, wherein the model is obtained by training based on historical insurance application information, historical physical examination information and a corresponding insurance verification conclusion. The embodiment of the invention can automatically carry out the underwriting so as to improve the underwriting efficiency.
Description
Technical Field
The embodiment of the invention relates to the technical field of communication, in particular to an underwriting data processing method, device and equipment and a computer readable storage medium.
Background
At present, after a client applies insurance, an insurance company checks the underwriting data required by underwriting manually according to experience, and finally issues an underwriting conclusion to issue a policy issuing, and manual underwriting needs to depend on manual experience, so that underwriting accuracy is low, and underwriting efficiency is low. The prior art lacks a technical solution for carrying out automatic underwriting on various types of data required by underwriting, in particular a method or a system for processing physical examination data.
Disclosure of Invention
The embodiment of the invention provides an underwriting data processing method, device and equipment and a computer readable storage medium, which can carry out automatic underwriting so as to improve underwriting efficiency.
In a first aspect, an embodiment of the present invention provides a method for processing underwriting data, including: receiving application information of an applicant; calling an underwriting rule engine to carry out primary underwriting on the application information to obtain a first underwriting result; under the condition that the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insurable information needs to be acquired, acquiring the physical examination information of at least one insured person corresponding to the first underwriting result; inputting the insurance application information corresponding to the first insurance verification result and the physical examination information of at least one insured person into a model for secondary insurance verification, wherein the model is obtained by training based on historical insurance application information, historical physical examination information and a corresponding insurance verification conclusion.
In a second aspect, an embodiment of the present invention provides an underwriting data processing apparatus, including: the receiving module is used for receiving the insurance information of the insurance applicant; the first underwriting module is used for calling an underwriting rule engine to conduct primary underwriting on the application information to obtain a first underwriting result; the acquisition module is used for acquiring the physical examination information of at least one insured person corresponding to the first underwriting result under the condition that the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insuring information needs to be acquired; and the second underwriting module is used for inputting the insurance application information corresponding to the first underwriting result and the physical examination information of at least one insured person into a model for conducting second underwriting, and the model is obtained by training based on historical insurance application information, historical physical examination information and a corresponding underwriting conclusion.
In a third aspect, an embodiment of the present invention provides an underwriting data processing apparatus, including:
a memory;
a processor;
a communication interface; and
a computer program;
wherein the computer program is stored in the memory and configured to perform the method of the first aspect by the processor.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, the computer program being executed by a processor to implement the method of the first aspect.
The method, the device and the equipment for processing the underwriting data and the computer readable storage medium provided by the embodiment of the invention receive the application information of an applicant; calling an underwriting rule engine to carry out primary underwriting on the application information to obtain a first underwriting result; under the condition that the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insurable information needs to be acquired, acquiring the physical examination information of at least one insured person corresponding to the first underwriting result; inputting the insurance application information corresponding to the first insurance verification result and the physical examination information of at least one insured person into a model for secondary insurance verification, wherein the model is obtained by training based on historical insurance application information, historical physical examination information and a corresponding insurance verification conclusion. Because the trained model is introduced for automatic intelligent underwriting, the problems of low manual underwriting efficiency and low underwriting accuracy can be solved, and the underwriting efficiency and the underwriting accuracy are improved.
Drawings
FIG. 1 is a schematic structural diagram of an underwriting data processing system according to an embodiment of the present invention;
FIG. 2 is a flowchart of a method for processing underwriting data according to an embodiment of the present invention;
FIG. 3 is a flow chart of a complete example provided by an embodiment of the present invention;
fig. 4 is a schematic structural diagram of an underwriting data processing apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an underwriting data processing apparatus according to an embodiment of the present invention.
With the foregoing drawings in mind, certain embodiments of the disclosure have been shown and described in more detail below. These drawings and written description are not intended to limit the scope of the disclosed concepts in any way, but rather to illustrate the concepts of the disclosure to those skilled in the art by reference to specific embodiments.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.
Cleaning physical examination pieces: only the warranty violating the physical examination rules.
The method for processing the underwriting data provided by the embodiment of the invention can be applied to the underwriting data processing system shown in fig. 1. As shown in FIG. 1, the underwriting data processing system 10 includes: an application module 11, a rule engine module 12, a new contract and underwriting management module 13, a health service management module 14, an Optical Character Recognition (OCR) module 15, an artificial underwriting pool 16, a cognitive underwriting module 17, and a core policy management module 18; the application module 11 is respectively connected with the rule engine module 12, the new contract and underwriting management module 13 and the core insurance policy management module 18, the new contract and underwriting management module 13 is respectively connected with the health service management module 14 and the OCR module 15, the new contract and underwriting management module 13 is sequentially connected with the artificial underwriting pool 16 and the cognitive underwriting module 17, the optical character recognition module 15 is sequentially connected with the artificial underwriting pool 16 and the cognitive underwriting module 17, and the cognitive underwriting module 17 is connected with the core insurance policy management module 18.
The following describes the technical solution of the present invention and how the technical solution of the present application solves the above technical problem in a specific embodiment with reference to the underwriting system shown in fig. 1. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present invention will be described below with reference to the accompanying drawings.
Fig. 2 is a flowchart of a processing method of underwriting data according to an embodiment of the present invention. The embodiment of the invention provides an underwriting data processing method aiming at the technical problems in the prior art, which comprises the following specific steps:
step 200, receiving insurance information of an applicant;
as shown in FIG. 1, the applicant fills in application information at the application module 11 for application.
Step 201, calling an underwriting rule engine to conduct initial underwriting on the insurance information, and obtaining a first underwriting result.
In this embodiment, as shown in fig. 1, after an applicant fills in application information in an application module 11 to form an insurance policy (at least one insured person may exist in the insurance policy), the application module 11 obtains a past application experience of the insured person through a past application experience query interface provided by a core insurance policy management module 18, and a rule engine module 12 calls an underwriting rule engine to perform initial underwriting on the application information, specifically, whether an application class rule or a risk class rule is violated is determined according to the application information and the past application experience.
Step 202, when the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insurance application information needs to be acquired, the physical examination information of at least one insured person corresponding to the first underwriting result is acquired.
Specifically, if the judgment result is that the insurance policy violates the insurance application rule or the risk rule, the insurance policy is automatically imported into the new contract and insurance management module 13, the new contract and insurance management module 13 judges whether the insurance policy is a clean physical examination piece, if not, the insurance policy is directly imported into the manual insurance pool 16 for manual insurance verification; if the health check-up is a clean health check-up, the health check-up information of at least one insured person corresponding to the first health check-up result is acquired under the condition that the first health check-up result indicates that the health check-up information of at least one insured person corresponding to the insurance application information needs to be acquired.
Optionally, in this embodiment, the model may also be trained based on the manual underwriting conclusion under the condition that the underwriting result is not the clean physical examination piece, so that the model learns the insurance application information that is not the clean physical examination piece, and thus, in the subsequent underwriting process, underwriting can be automatically performed directly by using the trained model.
And 203, inputting the insurance application information corresponding to the first insurance verification result and the physical examination information of at least one insured person into a model for performing second insurance verification, wherein the model is obtained by training based on the historical insurance application information, the historical physical examination information and a corresponding insurance verification conclusion.
Continuing to refer to fig. 1, the insurance application information and the physical examination information of all the insured persons under the policy are imported into the cognitive underwriting module 17, the cognitive underwriting module 17 is a machine learning model, and the cognitive underwriting module 17 outputs an underwriting conclusion according to the insurance application information and the physical examination information of all the insured persons under the policy, wherein the machine learning model is obtained by training based on a large amount of training data, and the training data comprises the insurance application information, the physical examination information and a manually marked underwriting conclusion corresponding to the insurance application information and the physical examination information.
The embodiment of the invention receives the insurance information of the insurance applicant; calling an underwriting rule engine to carry out primary underwriting on the application information to obtain a first underwriting result; under the condition that the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insurable information needs to be acquired, acquiring the physical examination information of at least one insured person corresponding to the first underwriting result; inputting the insurance application information corresponding to the first insurance verification result and the physical examination information of at least one insured person into a model for secondary insurance verification, wherein the model is obtained by training based on the historical insurance application information, the historical physical examination information and the corresponding insurance verification conclusion. Because the trained model is introduced for automatic intelligent underwriting, the problems of low manual underwriting efficiency and low underwriting accuracy can be solved, and the underwriting efficiency and the underwriting accuracy are improved.
Optionally, the obtaining of the physical examination information of at least one insured person corresponding to the first underwriting result includes: acquiring an existing physical examination report of at least one insured life in a period of time before the current time, wherein the existing physical examination report corresponds to the first underwriting result; in the event that the at least one existing physical examination report of the insured person is a qualified physical examination report, the structured data in the at least one existing physical examination report of the insured person is identified as physical examination information.
Continuing to refer to fig. 1, when the physical examination information of all insured persons under the policy is acquired, the interface of the health service management module 14 is called to inquire all insured persons under the policy and acquire the existing physical examination reports in the next year, then the new contract and the underwriting management module 13 judges whether all insured persons under the policy can inquire and acquire the qualified physical examination reports according to the acquired information, if the insured persons without the qualified physical examination reports exist in all insured persons under the policy, the physical examination notice is directly issued, and the policy simultaneously enters the question ticket handover pool; if all the insured persons under the policy have qualified physical examination reports, the policy directly enters a physical examination element recording pool, and simultaneously calls a physical examination report information interface of the OCR module 15 to acquire physical examination information of all the insured persons, and identifies structured information in the physical examination reports in the form of pictures or photos as physical examination information. The structured information in the physical examination report, such as height 170cm, weight 60kg, etc., each physical examination item and the corresponding physical examination result.
Optionally, in a case that at least one existing physical examination report of the insured person is a qualified physical examination report, identifying the structured data in the at least one existing physical examination report of the insured person as the physical examination information, including: judging whether physical examination structured data exist in an existing physical examination report; and if the physical examination structured data exists in the existing physical examination report, acquiring the structured data in the existing physical examination report as physical examination information.
Optionally, in a case that at least one existing physical examination report of the insured person is a qualified physical examination report, identifying the structured data in the at least one existing physical examination report of the insured person as the physical examination information, including: judging whether physical examination structured data exist in an existing physical examination report; if the physical examination structured data does not exist in the existing physical examination report, acquiring the image data of the existing physical examination report; and identifying the image data and carrying out structuralization processing to form the physical examination information. Optionally, a physical examination structured data query interface may be set in the health service management module, and then the physical examination structured data query interface is used to query whether the optical character recognition module can extract structured data from the physical examination report, if the optical character recognition module can extract physical examination structured data from the physical examination report, the physical examination structured data query interface can query the physical examination structured data, and it is determined that physical examination structured data exists in the existing physical examination report; if the optical character recognition module does not extract physical examination structured data from the physical examination report, the physical examination structured data query interface cannot query the physical examination structured data, and at this time, the physical examination structured data is considered to be absent in the existing physical examination report.
Referring to fig. 1, if there is physical examination structured data in the existing physical examination report, the OCR module 15 calls the physical examination structured data query interface of the health service management module 14 to query the structured data of the existing physical examination report of all insured persons stored in the health service management module 14 and store the data into the cognitive underwriting module 17. If the physical examination structured data does not exist in the existing physical examination report, the physical examination report information is linked by the images contained in the client physical examination report information, acquiring image data of the existing physical examination reports of all insured persons under the policy in an Enterprise Content Management (ECM) module, performing OCR recognition, storing the recognized structured data in an OCR module 15, at the same time, the OCR module 15 sends a notification message of the recognition result to the new contract and underwriting management module 13, the recognition result includes a success of recognition or a failure of recognition, if the recognition result is a success of recognition, the physical examination information is input into the structured data of the physical examination report in the display page of the terminal equipment, the input structured data of the physical examination report is rechecked again by recheckers, whether the acquired physical examination information is complete or not and whether the acquired physical examination information is consistent with the data in the existing physical examination report or not are checked, to complement where the recognition result of the OCR module 15 is erroneous or incomplete, and the like.
The embodiment firstly judges whether physical examination structured data exist in an existing physical examination report; if the physical examination structured data exists in the existing physical examination report, acquiring the structured data in the existing physical examination report as physical examination information; if the physical examination structured data does not exist in the existing physical examination report, acquiring the image data of the existing physical examination report; and identifying the structured data in the image data as physical examination information. The health examination information of at least one insured person corresponding to the underwriting result can be acquired from various channels, so that the problem of low underwriting efficiency caused by the fact that the insured person needs to upload the health examination report again under the condition that the insurance information except the health examination information accords with the insurance application rule in the prior art is solved.
Optionally, before the insurance application information corresponding to the underwriting result and the physical examination information of at least one insured person are input into the model for second underwriting, the method according to the embodiment of the present invention further includes: and identifying the physical examination information, and rechecking the accuracy. Specifically, after the OCR carries out recognition of physical examination structured data, the rechecking personnel rechecks the accuracy of the recognition result of the OCR module, and the physical examination information after rechecking is stored to be called at the time of second check-up.
Optionally, when the audit result is that the audit is passed, acquiring the insurance application information and the physical examination information of at least one insured person, and sending the insurance application information and the physical examination information to the terminal device where the auditor is located for manual insurance approval, the method of the embodiment of the present invention further includes: and under the condition that the approval and guarantee conclusion of the model is inconsistent with the manual approval and guarantee conclusion, sending the manual approval and guarantee conclusion to the model so as to optimize the model. After the policy enters the cognitive underwriting module 17, the model first gives an underwriting conclusion, and meanwhile, the operator judges whether to adopt the underwriting conclusion given by the model this time according to the underwriting conclusion given by the model and manual experience, and if the operator chooses not to adopt the underwriting conclusion given by the model this time, the manual underwriting conclusion is returned to the model so as to optimize the model. Through the mode, the model can be continuously optimized, the accuracy of the model is finally higher and higher, manpower is saved without depending on manpower.
Optionally, the obtaining of the existing physical examination report of the at least one insured life in a period of time before the current time corresponding to the first underwriting result includes: inquiring whether at least one insured person corresponding to the first underwriting result has a physical examination report; if at least one insured person corresponding to the first underwriting result does not have a physical examination report, issuing a physical examination notice; and if at least one preserved person corresponding to the first checking result has a physical examination report, directly acquiring the physical examination report.
Optionally, the obtaining of the existing physical examination report of at least one insured person in a period of time before the current time corresponding to the underwriting result includes: and if at least one insured person corresponding to the first underwriting result does not have a physical examination report, after a physical examination notification is issued, at least one insured person uploads a physical examination report based on the physical examination notification, and the physical examination report uploaded by the insured person is acquired.
In this embodiment, the health service management module 14 queries whether at least one insured person corresponding to the first underwriting result has a physical examination report; if at least one insured person corresponding to the first underwriting result does not have a physical examination report, directly issuing a physical examination notice; if at least one insured person existing physical examination report corresponding to the first underwriting result, the existing physical examination report is directly acquired from the health service management module 14. The health service management module 14 interfaces with the hospital system and stores the physical examination reports for each physical examination subject in the hospital system.
Fig. 3 is a flowchart of a complete example provided by an embodiment of the present invention. As shown in fig. 3, the method comprises the following specific steps:
step 3001, the client fills in the insurance information in the insurance module 11;
step 3002, the application module 11 obtains the past application experience of the client from the core policy management module 18, and obtains the judgment rule from the rule engine module 12;
step 3003, the application system automatically checks and guarantees based on the application information, the past application experience of the client and the judgment rule;
step 3004, if the insurance policy or risk policy is violated, the new contract and underwriting management module 13 determines whether the policy is a clean physical examination article;
step 3005, if the policy is not a cleaning body check, the policy enters a manual underwriting pool for manual underwriting;
step 3006, if the policy belongs to the cleaning health examination piece, call the health service management module 14 to inquire the existing health examination report of the client;
step 3007, the new contract and underwriting management module 13 determines whether all the insured persons under the policy can inquire the existing physical examination report or can inquire the qualified physical examination report;
step 3008, if there is a insured person with or without physical examination report or a insured person with or without qualified physical examination report among all insured persons under the policy, issuing physical examination notification message, the policy entering question list handover pool, and manually issuing physical examination piece or question piece;
step 3009, if there are physical examination reports or qualified physical examination reports in all the insured persons under the policy, the policy enters a physical examination element recording pool, and the new contract and underwriting management module 13 pushes the physical examination report information of all the insured persons to the OCR module 15;
step 3010, when the OCR module 15 receives the physical examination report information of all the insured persons, it determines whether there is physical examination structured data in the physical examination report information;
step 3011, if there is physical examination structured data in the physical examination report information, call the query interface of the health service management module 14 to query the structured data in the physical examination report information and store the data in the cognitive underwriting module 17;
step 3012, if there is no physical examination structured data in the physical examination report information, the OCR module 15 obtains the image data of the physical examination report in the ECM system through the image link included in the physical examination report information to perform OCR recognition, and obtains the physical examination structured data and stores the physical examination structured data in the cognitive underwriting module;
step 3013, after completing data storage or OCR recognition, the OCR module 15 forms a notification message of the recognition result (including recognition success and recognition failure) to the new contract and underwriting management module 13, and at the same time, the cleaning piece physical examination entry pool displays the recognition result of the policy as recognition success or recognition failure;
step 3014, automatically importing the health examination information of the policy into the page of the health examination entry pool of the cleaning pieces-the detailed information of the policy;
3015, the auditor audits the automatically imported physical examination information, supplements information that the OCR recognition result is wrong or the recognition is incomplete, and then enters a manual underwriting pool;
step 3016, the artificial underwriting pool 16 calls the cognitive underwriting module 17 to perform intelligent underwriting, and then the cognitive underwriting module 17 queries the insurance information from the core policy management module 18 and queries the checked physical examination information from the OCR module 15;
3017, the cognitive underwriting module 17 intelligently underwriting according to the information of application, the checked physical examination information and the learning result of the past experience data;
step 3018, display the intelligent underwriting result on the display page of the artificial underwriting pool, and the underwriting personnel can choose whether to adopt the intelligent underwriting result;
step 3019, if the intelligent underwriting result is adopted, the underwriting is finished; if the intelligent underwriting result is not adopted, feeding back an artificial underwriting conclusion input by underwriting personnel to the cognitive underwriting module;
and step 3020, the cognitive underwriting module 17 performs machine learning according to the fed-back artificial underwriting conclusion.
Fig. 4 is a schematic structural diagram of an underwriting data processing apparatus according to an embodiment of the present invention. The underwriting data processing apparatus may specifically be the underwriting data processing system 10 in the above embodiment. The underwriting data processing apparatus provided in the embodiment of the present invention may execute the processing flow provided in the embodiment of the underwriting data processing method, and as shown in fig. 4, the underwriting data processing apparatus 40 includes: the receiving module 41, the first underwriting module 42, the obtaining module 43 and the second underwriting module 44; the receiving module 41 is used for receiving insurance application information of an applicant; the first underwriting module 42 is configured to invoke an underwriting rule engine to perform primary underwriting on the application information, so as to obtain a first underwriting result; an obtaining module 43, configured to obtain the physical examination information of at least one insured person corresponding to the first underwriting result when the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insuring information needs to be obtained; and the second underwriting module 44 is used for inputting the insurance application information corresponding to the first underwriting result and the physical examination information of at least one insured person into a model for conducting second underwriting, wherein the model is obtained by training based on historical insurance application information, historical physical examination information and a corresponding underwriting conclusion.
Optionally, when the obtaining module 43 obtains the physical examination information of at least one insured person corresponding to the first underwriting result, the obtaining module specifically includes: acquiring at least one existing physical examination report of the insured person in a period of time before the current time, wherein the report corresponds to the first underwriting result; and in the case that all the existing physical examination reports of at least one insured life are qualified physical examination reports, identifying the structured data in the existing physical examination reports of at least one insured life as the physical examination information.
Optionally, the acquiring module 43 identifies structured data in at least one existing physical examination report of the insured person when the existing physical examination report of the insured person is a qualified physical examination report, and when the structured data is used as the physical examination information, the method specifically includes: judging whether physical examination structured data exist in the existing physical examination report; and if the physical examination structured data exists in the existing physical examination report, acquiring the structured data in the existing physical examination report as the physical examination information.
Optionally, the obtaining module 43 identifies structured data in at least one existing physical examination report of the insured person when the existing physical examination report of the insured person is a qualified physical examination report, and when the structured data is used as the physical examination information, the method specifically includes: judging whether physical examination structured data exist in the existing physical examination report; if the physical examination structured data does not exist in the existing physical examination report, acquiring the image data of the existing physical examination report; and identifying the image data and carrying out structuralization processing to form the physical examination information.
Optionally, the apparatus further comprises: and a rechecking module 45, configured to recheck the identification accuracy of the physical examination information.
Optionally, when the obtaining module 43 obtains the existing physical examination report of at least one insured life corresponding to the underwriting result in a period of time before the current time, the obtaining module specifically includes: inquiring whether at least one insured person corresponding to the underwriting result has a physical examination report; if at least one insured person corresponding to the underwriting result does not have a physical examination report, issuing a physical examination notice; and if at least one preserved person corresponding to the underwriting result has a physical examination report, directly acquiring the physical examination report.
Optionally, when the obtaining module 43 obtains the existing physical examination report of at least one insured life corresponding to the underwriting result in a period of time before the current time, the obtaining module specifically includes: inquiring whether at least one insured person corresponding to the first underwriting result has a physical examination report; if at least one insured person corresponding to the first underwriting result does not have a physical examination report, issuing a physical examination notice; and if at least one preserved person corresponding to the first underwriting result has a physical examination report, directly acquiring the physical examination report.
Optionally, the obtaining module 43 is further configured to, after issuing a physical examination notification when at least one of the insured persons does not have a physical examination report corresponding to the underwriting result, obtain the physical examination report uploaded by the insured person if at least one of the insured persons uploads a physical examination report based on the physical examination notification.
The data processing apparatus for underwriting shown in fig. 4 can be used to implement the technical solutions of the above method embodiments, and the implementation principles and technical effects are similar, and are not described herein again.
Fig. 5 is a schematic structural diagram of an underwriting data processing apparatus according to an embodiment of the present invention. The underwriting data processing apparatus may specifically be the underwriting data processing system 10 in the above embodiment. The underwriting data processing device provided by the embodiment of the present invention may execute the processing flow provided by the underwriting data processing method embodiment, as shown in fig. 5, the underwriting data processing device 50 includes: memory 51, processor 52, computer programs and communication interface 53; wherein the computer program is stored in the memory 51 and is configured to be executed by the processor 52 for the solution of the above-described method embodiment.
The underwriting data processing device of the embodiment shown in fig. 5 may be used to execute the technical solution of the above method embodiment, and the implementation principle and the technical effect are similar, which are not described herein again.
In addition, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the underwriting data processing method described in the foregoing embodiment.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
It is obvious to those skilled in the art that, for convenience and simplicity of description, the foregoing division of the functional modules is merely used as an example, and in practical applications, the above function distribution may be performed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to perform all or part of the above described functions. For the specific working process of the device described above, reference may be made to the corresponding process in the foregoing method embodiment, which is not described herein again.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. An underwriting data processing method, comprising:
receiving application information of an applicant;
calling an underwriting rule engine to carry out primary underwriting on the application information to obtain a first underwriting result;
under the condition that the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insurable information needs to be acquired, acquiring the physical examination information of at least one insured person corresponding to the first underwriting result;
inputting the insurance application information corresponding to the first insurance verification result and the physical examination information of at least one insured person into a model for secondary insurance verification, wherein the model is obtained by training based on historical insurance application information, historical physical examination information and a corresponding insurance verification conclusion.
2. The method of claim 1 wherein said obtaining physical examination information of at least one insured person corresponding to said first underwriting result comprises:
acquiring at least one existing physical examination report of the insured person in a period of time before the current time, wherein the report corresponds to the first underwriting result;
and in the case that all the existing physical examination reports of at least one insured life are qualified physical examination reports, identifying the structured data in the existing physical examination reports of at least one insured life as the physical examination information.
3. The method of claim 2 wherein identifying structured data in at least one of the present physical examination reports of the insured life, in the event that all of the at least one present physical examination report of the insured life are qualified physical examination reports, comprises, as the physical examination information:
judging whether physical examination structured data exist in the existing physical examination report;
and if the physical examination structured data exists in the existing physical examination report, acquiring the structured data in the existing physical examination report as the physical examination information.
4. The method of claim 2 wherein identifying structured data in at least one of the present physical examination reports of the insured life, in the event that all of the at least one present physical examination report of the insured life are qualified physical examination reports, comprises, as the physical examination information:
judging whether physical examination structured data exist in the existing physical examination report;
if the physical examination structured data does not exist in the existing physical examination report, acquiring the image data of the existing physical examination report;
and identifying the image data and carrying out structuralization processing to form the physical examination information.
5. The method of claim 2 wherein prior to said entering the application information corresponding to the first underwriting outcome and the at least one physical examination information of the insured person into a model for a second underwriting, the method further comprises:
and carrying out identification accuracy rechecking on the physical examination information.
6. The method of claim 2 wherein said obtaining at least one existing physical examination report of the insured person corresponding to the first underwriting result for a period of time prior to the current time comprises:
inquiring whether at least one insured person corresponding to the first underwriting result has a physical examination report;
if at least one insured person corresponding to the first underwriting result does not have a physical examination report, issuing a physical examination notice;
and if at least one preserved person corresponding to the first underwriting result has a physical examination report, directly acquiring the physical examination report.
7. The method of claim 6 wherein after issuing a physical examination notification if at least one of the insured persons does not have a physical examination report corresponding to the first underwriting result, the method further comprises:
if at least one of the insured persons uploads a physical examination report based on the physical examination notification, the physical examination report uploaded by the insured person is acquired.
8. An apparatus for processing underwriting data, comprising:
the receiving module is used for receiving the insurance information of the insurance applicant;
the first underwriting module is used for calling an underwriting rule engine to conduct primary underwriting on the application information to obtain a first underwriting result;
the acquisition module is used for acquiring the physical examination information of at least one insured person corresponding to the first underwriting result under the condition that the first underwriting result indicates that the physical examination information of at least one insured person corresponding to the insuring information needs to be acquired;
and the second underwriting module is used for inputting the insurance application information corresponding to the first underwriting result and the physical examination information of at least one insured person into a model for conducting second underwriting, and the model is obtained by training based on historical insurance application information, historical physical examination information and a corresponding underwriting conclusion.
9. An underwriting data processing apparatus, comprising:
a memory;
a processor;
a communication interface; and
a computer program;
wherein the computer program is stored in the memory and configured to be executed by the processor to perform the method of any of claims 1-7.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911013653.2A CN110766558A (en) | 2019-10-23 | 2019-10-23 | Method, device and equipment for processing data of underwriting and computer readable storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911013653.2A CN110766558A (en) | 2019-10-23 | 2019-10-23 | Method, device and equipment for processing data of underwriting and computer readable storage medium |
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| CN110766558A true CN110766558A (en) | 2020-02-07 |
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| CN201911013653.2A Pending CN110766558A (en) | 2019-10-23 | 2019-10-23 | Method, device and equipment for processing data of underwriting and computer readable storage medium |
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| CN111507849A (en) * | 2020-03-25 | 2020-08-07 | 上海商汤智能科技有限公司 | Authority guaranteeing method and related device and equipment |
| CN111626870A (en) * | 2020-05-25 | 2020-09-04 | 泰康保险集团股份有限公司 | Method, device and equipment for processing data of underwriting of cleaning physical examination piece |
| CN111626877A (en) * | 2020-05-27 | 2020-09-04 | 泰康保险集团股份有限公司 | Data processing method |
| CN111652746A (en) * | 2020-05-29 | 2020-09-11 | 泰康保险集团股份有限公司 | Information generation method and device, electronic equipment and storage medium |
| CN112150298A (en) * | 2020-09-28 | 2020-12-29 | 建信金融科技有限责任公司 | Data processing method, system, device and readable medium |
| CN112288587A (en) * | 2020-11-23 | 2021-01-29 | 中国人寿保险股份有限公司 | Method, device and equipment for generating group user insurance policy |
| CN112330471A (en) * | 2020-11-17 | 2021-02-05 | 中国平安财产保险股份有限公司 | Service data processing method and device, computer equipment and storage medium |
| CN112435135A (en) * | 2020-12-07 | 2021-03-02 | 泰康保险集团股份有限公司 | Policy processing method and device |
| CN113298067A (en) * | 2021-05-17 | 2021-08-24 | 长沙市到家悠享家政服务有限公司 | Physical examination result automatic auditing method and system, electronic equipment and storage medium |
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| CN111461898A (en) * | 2020-02-28 | 2020-07-28 | 上海商汤智能科技有限公司 | Method for obtaining underwriting result and related device |
| CN111507849A (en) * | 2020-03-25 | 2020-08-07 | 上海商汤智能科技有限公司 | Authority guaranteeing method and related device and equipment |
| CN111626870B (en) * | 2020-05-25 | 2023-07-21 | 泰康保险集团股份有限公司 | Nuclear data processing method, device and equipment for cleaning physical examination piece |
| CN111626870A (en) * | 2020-05-25 | 2020-09-04 | 泰康保险集团股份有限公司 | Method, device and equipment for processing data of underwriting of cleaning physical examination piece |
| CN111626877A (en) * | 2020-05-27 | 2020-09-04 | 泰康保险集团股份有限公司 | Data processing method |
| CN111652746A (en) * | 2020-05-29 | 2020-09-11 | 泰康保险集团股份有限公司 | Information generation method and device, electronic equipment and storage medium |
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| CN112150298B (en) * | 2020-09-28 | 2022-12-09 | 建信金融科技有限责任公司 | Data processing method, system, device and readable medium |
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| CN112330471A (en) * | 2020-11-17 | 2021-02-05 | 中国平安财产保险股份有限公司 | Service data processing method and device, computer equipment and storage medium |
| CN112330471B (en) * | 2020-11-17 | 2023-06-02 | 中国平安财产保险股份有限公司 | Service data processing method, device, computer equipment and storage medium |
| CN112288587A (en) * | 2020-11-23 | 2021-01-29 | 中国人寿保险股份有限公司 | Method, device and equipment for generating group user insurance policy |
| CN112288587B (en) * | 2020-11-23 | 2024-05-28 | 中国人寿保险股份有限公司 | Method, device and equipment for generating community user insurance policy |
| CN112435135A (en) * | 2020-12-07 | 2021-03-02 | 泰康保险集团股份有限公司 | Policy processing method and device |
| CN112435135B (en) * | 2020-12-07 | 2023-11-21 | 泰康保险集团股份有限公司 | Method and device for processing policy |
| CN113298067A (en) * | 2021-05-17 | 2021-08-24 | 长沙市到家悠享家政服务有限公司 | Physical examination result automatic auditing method and system, electronic equipment and storage medium |
| CN117522601A (en) * | 2024-01-04 | 2024-02-06 | 山东保医通信息科技有限公司 | Nuclear insurance service execution method, equipment and medium based on interface unified management |
| CN117522601B (en) * | 2024-01-04 | 2024-03-22 | 山东保医通信息科技有限公司 | Nuclear insurance service execution method, equipment and medium based on interface unified management |
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Application publication date: 20200207 |