CN113469822A - Method and system for risk prevention, control and early warning in insurance industry - Google Patents

Method and system for risk prevention, control and early warning in insurance industry Download PDF

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Publication number
CN113469822A
CN113469822A CN202110620496.2A CN202110620496A CN113469822A CN 113469822 A CN113469822 A CN 113469822A CN 202110620496 A CN202110620496 A CN 202110620496A CN 113469822 A CN113469822 A CN 113469822A
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China
Prior art keywords
module
information
client
insurance
early warning
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Pending
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CN202110620496.2A
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Chinese (zh)
Inventor
冯佳茵
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Beijing Youquan Zhihui Information Technology Co ltd
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Beijing Youquan Zhihui Information Technology Co ltd
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Priority to CN202110620496.2A priority Critical patent/CN113469822A/en
Publication of CN113469822A publication Critical patent/CN113469822A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G06F16/2308—Concurrency control
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2455—Query execution
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25—Integrating or interfacing systems involving database management systems
    • G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Abstract

The invention discloses a risk prevention and control system in insurance industry, which aims at the problems that tracking information registration of a client is only used for information inquiry and prevention and control when insurance is selected, and timely updated certification information of the client cannot be stored and backed up, so that the old insurance client needs to perform multiple times of verification and inquiry when purchasing insurance for the second time, the processing process is slow, and the client experience is poor. The certification information provided by the client can be shot and filed, the most appropriate insurance scheme meeting the client can be provided according to the internal core system of the information insurance company provided by the client, and the wind control label submitted with the certification can be automatically released when the client purchases the insurance again, so that the trouble of acquiring the certification again by the client is avoided.

Description

Method and system for risk prevention, control and early warning in insurance industry
Technical Field
The invention relates to the technical field of risk prevention and control and early warning, in particular to a risk prevention and control and early warning method and system for the insurance industry.
Background
At present, a risk early warning system monitors the variation trend of risk factors by collecting related data information according to the characteristics of a researched object, evaluates the strength of deviation of various risk states from an early warning line, sends out early warning signals to a decision layer and takes early pre-control countermeasures in advance. Therefore, an evaluation index system must be constructed first and the index types are analyzed and processed to construct an early warning system; secondly, comprehensively judging an evaluation index system according to the early warning model; and finally, setting an early warning interval according to the judgment result, and taking corresponding countermeasures.
The existing insurance industry risk prevention and early warning method and system are complicated and tedious in process when a client performs wind control inquiry, tracking information registration of the client is only used for information inquiry and prevention and control when insurance is selected, timely updated certification information of the client cannot be stored and backed up, multiple times of verification and inquiry are often required when an old insurance client purchases insurance for the second time, the processing process is slow, the client experience is poor, the existing technology is difficult to solve the problems, and therefore an insurance industry risk prevention and early warning method and system are urgently needed to solve the problems.
Disclosure of Invention
Based on the existing insurance industry risk prevention and control and early warning method and system, the tracking information registration of the client is only used for information query and prevention and control when insurance is selected, and the timely updated certification information of the client cannot be stored and backed up, so that the technical problems that the old insurance client needs to perform multiple times of verification and query again when purchasing insurance for the second time, the processing process is slow, and the client experience is poor are often caused.
In order to achieve the purpose, the invention adopts the following technical scheme:
the insurance industry risk prevention and control system comprises an insurance company internal core management system, wherein the insurance company internal core management system comprises a control module, an early warning module, an information comparison module, a credit inquiry module, a risk judgment module and a data processing module, the credit inquiry module is connected with a credit investigation system and used for inquiring credit information from the credit investigation system, the credit inquiry module is in two-way connection with the control module, and the data processing module is in two-way connection with the control module.
The invention further comprises the following scheme: the data processing module is respectively connected with an information input module and a public display output module.
A data processing module: the system is used for sorting and inputting the input customer information and simultaneously used for sorting and exporting the inquired information.
The invention further comprises the following scheme: the public output module is connected with the data storage module, and the data storage module is used for storing and backing up the updated and output customer information.
The invention further comprises the following scheme: the early warning module is respectively associated with the credit inquiry module, the information comparison module and the risk judgment module, and the credit inquiry module, the information comparison module and the risk judgment module can influence the early warning module.
The invention further comprises the following scheme: the information input module is also provided with an acquisition flow, and the acquisition flow comprises client information filling, data sorting, data entry inquiry, inquiry result, information display and printing.
The invention further comprises the following scheme: the data sorting module is connected with the data processing module, and the data entry query module is respectively connected with the credit query module, the information comparison module and the risk judgment module.
The invention further comprises the following scheme: the information publicity is associated with the publicity output module.
The invention further comprises the following scheme: the control module controls the early warning module to work, and the early warning module is respectively used for responding to the processing results of the credit inquiry module, the information comparison module and the risk judgment module.
The invention provides an early warning method of a risk prevention and control system in the insurance industry, which comprises the following steps:
s1: when a customer needs to purchase insurance, a specially responsible worker arranges the customer to fill in a registration form, simultaneously arranges that a person logs in an internal core management system of an insurance company to inquire information after acquiring personal information of the customer, approximately knows whether the customer has the qualification for purchasing the insurance through the recorded information of the book, and the result is directly related to the purchasing qualification.
S2: the form filled by the client needs to be proved, the filled registration form can be input into a company system by a worker for comparison, and the next operation can be carried out if the comparison result of the system and the personal filling result do not exist; if the information is compared and presented, the client needs to ask for the certification matched with each access, if the effective certification is presented for each access, the newly submitted information is judged to be legal and effective, and if the certification can not be presented according to the requirement, the risk prevention and control system can prevent the steps from continuing. The early warning module takes effect, and the control module in the system controls violation information to be disclosed.
S3: according to the information query and the information comparison after the information acquisition, the system classifies the client and reconfirms the wind control level of the client, so that the information of the client is updated, backed up and stored; the client-provided certification information is shot and archived, and an insurance scheme which is most suitable and meets the client is given according to the internal core system of the client-provided information insurance company.
The invention has the beneficial effects that:
1. by arranging the risk judgment module and the data storage module, after comparison and credit inquiry, the system classifies the client according to the specific conditions of the client and reconfirms the wind control level of the client, so that the information of the client is updated, backed up and stored, the certification information provided by the client is shot and archived, the most appropriate insurance scheme meeting the client can be given by an internal core system of an information insurance company provided by the client, and the wind control label submitted with the certification can be automatically released when the client selects the insurance next time, thereby avoiding the trouble of the client in reacquiring the certification;
2. by arranging the credit inquiry module, a responsible worker arranges a client to fill in a registration form, simultaneously arranges that a person logs in an internal core management system of an insurance company to inquire information after acquiring personal information of the client, approximately knows whether the client has the quality of purchasing the insurance or not by recording the information of the book, and directly associates a result with the purchasing quality, so that a batch of wind control problems which are caused by personal reasons of the client and cannot purchase the insurance can be screened out in the credit inquiry process, and the time of subsequent steps is saved;
3. by arranging the information comparison module, the filled registration form can be input into a company system by a worker for comparison, when the comparison result of the system and the personal filled result do not exist, the next operation can be carried out, if the information comparison shows that the information is present, the client needs to be asked for the certification matched with each access, if each access shows a valid certification, the newly submitted information is judged to be valid and effective, if the certification can not be shown according to the requirement, the risk prevention and control system can prevent the steps from continuing to be carried out, the early warning module takes effect, the control module in the system controls the illegal information public display, and the wind control label of the client is simply and directly displayed.
Drawings
FIG. 1 is a block diagram of a risk prevention and control system for insurance industry according to the present invention;
FIG. 2 is a schematic diagram of an early warning module of the insurance industry risk prevention and control system according to the present invention;
FIG. 3 is a flow chart of information collection of a risk prevention and control system for insurance industry according to the present invention;
fig. 4 is a block diagram of an early warning method of the insurance industry risk prevention and control system provided by the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments.
Referring to fig. 1-4, an insurance industry risk prevention and control system comprises an insurance company internal core management system, wherein the insurance company internal core management system comprises a control module, an early warning module, an information comparison module, a credit inquiry module, a risk judgment module and a data processing module, the credit inquiry module is connected with a credit investigation system and is used for inquiring credit information from the credit investigation system, the credit inquiry module is in two-way connection with the control module, the data processing module not only processes input information, but also processes output to-be-disclosed information, and orderly input and output of information is effectively guaranteed.
In the invention, the data processing module is respectively connected with the information input module and the public display output module, if the client cannot show the certification according to the requirement, the risk prevention and control system can prevent the steps from continuing, the early warning module takes effect, the control module in the system controls the illegal information public display, and the wind control label of the client is simply and directly displayed.
A data processing module: the system is used for sorting and inputting the input customer information and simultaneously used for sorting and exporting the inquired information.
In the invention, the public output module is associated with the data storage module, the data storage module is used for storing and backing up the updated and output client information, the certification information provided by the client can be shot and filed, and simultaneously, the most appropriate insurance scheme meeting the client can be provided according to the internal core system of the information insurance company provided by the client, and when the client selects insurance for the next time, the wind control label submitted with the certification can be automatically released, thereby avoiding the trouble of the client in obtaining the certification again.
In the invention, the early warning module is respectively connected with the credit inquiry module, the information comparison module and the risk judgment module, the credit inquiry module, the information comparison module and the risk judgment module can influence the early warning module, and the inquiry result of the credit inquiry module is directly associated with the purchase qualification, so that a batch of wind control problems of incapability of purchasing insurance caused by personal reasons of customers can be screened out in the process of inquiring the credit, and the time of subsequent steps is saved.
In the invention, the information input module is also provided with an acquisition process, and the acquisition process comprises client information filling, data arrangement, data entry inquiry, inquiry result, information display and printing.
In the invention, data arrangement is associated with a data processing module, and data entry inquiry is respectively associated with a credit inquiry module, an information comparison module and a risk judgment module.
In the invention, the information publicity is associated with the publicity output module, the wind control label of the client is simply and directly displayed, the data processing module is associated with the internal data operation system, a plurality of key indexes x for controlling the whole life cycle of the insurance client are uploaded based on the operation function delta (x), and the appeal and the change of the client are identified; setting a supplementary function h (p; 0) as a weighting form of an operation function delta (x) to ensure a plurality of key indexes x; completely uploading management; supplementing the function h (p, t, theta) to calculate an operation function delta (x) and a key index x; to perform quantitative analysis on the client; performing Laplace transformation on the weight parameter omega to obtain a labeling management matrix L so as to perform labeling management on the client; and finally, accurately judging and analyzing the real requirements of the customers according to the calculated value of the tagged management matrix L.
The method for accurately judging and analyzing the real requirements of the customers according to the calculated values of the Laplace matrix L comprises the following steps: 1, performing binary conversion on a calculated value of a tagged management matrix L to obtain a binary character; 2, judging the last bit of the binary string, and when the last bit is 0, indicating that the corresponding key index meets the user requirement without regulation and change; and when the final bit is 1, the corresponding key index does not meet the requirement of the user, and adjustment and change are required.
The operational formula is as follows:
the arithmetic function δ (x) ═ s (pi, t, θ) | xi-1 γ + (1-s (pi, t, 0) xi-0| Y, where Y is a positive parameter, s (p, t, θ) is a binary function, and θ is the reference model.
The complementary function h (p, 0) has a value range of (0, 1).
The weighting parameter ω 1 is exp (-a δ (x) -h (p, t, θ) |), where a is a positive parameter whose value range is [ 0, 1 ].
The operation of the internal operation system is matched with the processing of the data processing module, so that the user requirements of different customers can be effectively calculated, and then the user requirements can be classified one by one, so that the method is more effective.
In the invention, the control module controls the early warning module to work, and the early warning module is respectively used for responding to the processing results of the credit inquiry module, the information comparison module and the risk judgment module.
The invention provides an early warning method of a risk prevention and control system in the insurance industry, which comprises the following steps:
s1: when a customer needs to purchase insurance, a specially responsible worker arranges the customer to fill in a registration form, simultaneously arranges that a person logs in an internal core management system of an insurance company to inquire information after acquiring personal information of the customer, approximately knows whether the customer has the qualification for purchasing the insurance through the recorded information of the book, and the result is directly related to the purchasing qualification.
S2: the form filled by the client needs to be proved, the filled registration form can be input into a company system by a worker for comparison, and the next operation can be carried out if the comparison result of the system and the personal filling result do not exist; if the information is compared and presented, the client needs to ask for the certification matched with each access, if the effective certification is presented for each access, the newly submitted information is judged to be legal and effective, and if the certification can not be presented according to the requirement, the risk prevention and control system can prevent the steps from continuing. The early warning module takes effect, and the control module in the system controls violation information to be disclosed.
S3: according to the information query and the information comparison after the information acquisition, the system classifies the client and reconfirms the wind control level of the client, so that the information of the client is updated, backed up and stored; the client-provided certification information is shot and archived, and an insurance scheme which is most suitable and meets the client is given according to the internal core system of the client-provided information insurance company.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.

Claims (9)

1. The insurance industry risk prevention and control system comprises an insurance company internal core management system and is characterized in that the insurance company internal core management system comprises a control module, an early warning module, an information comparison module, a credit inquiry module, a risk judgment module and a data processing module, wherein the credit inquiry module is connected with a credit investigation system and used for inquiring credit information from the credit investigation system, the credit inquiry module is in two-way connection with the control module, and the data processing module is in two-way connection with the control module.
2. The insurance industry risk prevention and control system according to claim 1, wherein the data processing module is connected with an information input module and a display output module respectively.
A data processing module: the system is used for sorting and inputting the input customer information and simultaneously used for sorting and exporting the inquired information.
3. The insurance industry risk prevention and control system of claim 2, wherein the publicity output module is associated with a data storage module, and the data storage module is used for saving and backing up the updated and outputted customer information.
4. The insurance industry risk prevention and control system according to claim 1, wherein the early warning module is respectively associated with the credit inquiry module, the information comparison module and the risk judgment module, and the credit inquiry module, the information comparison module and the risk judgment module all affect the early warning module.
5. The insurance industry risk prevention and control system according to claim 1, wherein the information input module is further provided with a collection process, and the collection process comprises client information filling, data arrangement, data entry inquiry, inquiry result, information display and printing.
6. The insurance industry risk prevention and control system according to claim 5, wherein the data arrangement is associated with a data processing module, and the data entry query is respectively associated with a credit query module, an information comparison module and a risk judgment module.
7. The insurance industry risk prevention and control system of claim 5, wherein the information bulletin is associated with a bulletin output module.
8. The insurance industry risk prevention and control system according to claim 1, wherein the control module controls the operation of the early warning module, and the early warning module is respectively used for responding to the processing results of the credit inquiry module, the information comparison module and the risk judgment module.
9. An early warning method of a risk prevention and control system in insurance industry is characterized by comprising the following steps:
s1: when a customer needs to purchase insurance, a specially responsible worker arranges the customer to fill in a registration form, simultaneously arranges that a person logs in an internal core management system of an insurance company to inquire information after acquiring personal information of the customer, approximately knows whether the customer has the qualification for purchasing the insurance through the recorded information of the book, and the result is directly related to the purchasing qualification.
S2: the form filled by the client needs to be proved, the filled registration form can be input into a company system by a worker for comparison, and the next operation can be carried out if the comparison result of the system and the personal filling result do not exist; if the information is compared and presented, the client needs to ask for the certification matched with each access, if the effective certification is presented for each access, the newly submitted information is judged to be legal and effective, and if the certification can not be presented according to the requirement, the risk prevention and control system can prevent the steps from continuing. The early warning module takes effect, and the control module in the system controls violation information to be disclosed.
S3: according to the information query and the information comparison after the information acquisition, the system classifies the client and reconfirms the wind control level of the client, so that the information of the client is updated, backed up and stored; the client-provided certification information is shot and archived, and an insurance scheme which is most suitable and meets the client is given according to the internal core system of the client-provided information insurance company.
CN202110620496.2A 2021-06-03 2021-06-03 Method and system for risk prevention, control and early warning in insurance industry Pending CN113469822A (en)

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Application Number Priority Date Filing Date Title
CN202110620496.2A CN113469822A (en) 2021-06-03 2021-06-03 Method and system for risk prevention, control and early warning in insurance industry

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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CN109325845A (en) * 2018-08-15 2019-02-12 深圳市和讯华谷信息技术有限公司 A kind of financial product intelligent recommendation method and system
CN111709603A (en) * 2020-05-15 2020-09-25 北京健康之家科技有限公司 Service request processing method, device and system based on wind control
CN112785607A (en) * 2021-01-28 2021-05-11 太原科技大学 Method for cutting leaves of field plants

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CN106530094A (en) * 2016-08-31 2017-03-22 江苏鸿信系统集成有限公司 Vehicle insurance assessment system and assessment method
CN109325845A (en) * 2018-08-15 2019-02-12 深圳市和讯华谷信息技术有限公司 A kind of financial product intelligent recommendation method and system
CN111709603A (en) * 2020-05-15 2020-09-25 北京健康之家科技有限公司 Service request processing method, device and system based on wind control
CN112785607A (en) * 2021-01-28 2021-05-11 太原科技大学 Method for cutting leaves of field plants

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Application publication date: 20211001