CN117573840A - Big data claim information management method, system and storage medium - Google Patents
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Abstract
The application provides a big data claim information management method, a system and a storage medium, wherein the method comprises the steps of collecting the insurance requirement information of a current user based on interactive dialogue data between artificial intelligence and a user side; searching a target insurance product from currently available insurance products based on the insurance requirement information; generating a user insurance scheme based on the insurance requirement information and the target insurance product; and after the user finishes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product is effective. According to the method and the device, dialogue data of the user and the artificial intelligence are collected, so that insurance claim settlement requirements of the user are determined; according to insurance claim requirements of users, recommendation of insurance products is carried out, target insurance products meeting user insurance requirements are determined, corresponding user insurance schemes are generated, quick generation of the insurance schemes is achieved, and generation efficiency and accuracy of the insurance schemes are improved.
Description
Technical Field
The present disclosure relates to the field of big data information management technologies, and in particular, to a method, a system, and a storage medium for managing big data claim information.
Background
Along with the increasingly strong competition of insurance industry and the increasingly strong consciousness of customer service, the traditional claim settlement service mainly has manual experience for risk management and control, has low operation efficiency and high leakage rate of risk cases, and can not meet the demands of customers and insurance companies, so that the extremely rapid and accurate flash claim and differentiated service demands are more and more urgent.
With the rapid development of the big data age, the business data of insurance claim settlement services are increasingly increased, so that the traditional claim settlement management service mode for performing insurance claim settlement services and claim settlement services mainly by means of manual forbidding is low in efficiency, and the insurance requirement of users is difficult to meet.
Therefore, how to solve the problem that the efficiency of the present big data claim service is low is a technical problem to be solved.
Disclosure of Invention
The application provides a big data claim information management method, a system and a storage medium, aiming at improving the efficiency of big data claim service.
In a first aspect, the present application provides a method for managing big data claim information, the method comprising:
collecting the information of the insurance requirement of the current user based on interactive dialogue data between the artificial intelligence and the user side, wherein the information of the insurance requirement comprises the insurance type, the insurance object and the insurance expense;
searching a target insurance product from currently available insurance products based on the insurance requirement information;
generating a user insurance scheme based on the insurance requirement information and the target insurance product;
and after the user finishes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product is effective.
Further, after collecting the information of the current user's application and requirement based on the interactive dialogue data between the artificial intelligence and the user terminal, the method further comprises:
matching at least one available application scheme in a historical application database based on the application requirement information;
and when an available insurance scheme matched with the insurance requirement information exists in the historical insurance database, generating the user insurance scheme based on the available insurance scheme.
Further, the matching at least one available application scheme in the historical application database based on the application requirement information includes:
extracting at least one insurance keyword based on the insurance requirement information;
searching the historical insurance database for at least one of the hit insurance schemes for hits based on the insurance keywords;
calculating scheme matching degree of each hit guarantee scheme based on the guarantee requirement information;
and screening the hit insurance scheme based on a preset matching degree threshold and the scheme matching degree to obtain at least one available insurance scheme.
Further, after the user finishes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product takes effect, the method further comprises:
when an insurance claim settlement request submitted by the user is received, judging whether the insurance claim settlement request is in a claim settlement range or not based on the currently effective target insurance product corresponding to the user;
acquiring insurance claim data of the user when the insurance claim settlement request is within the claim settlement range, and auditing the insurance claim data based on the user insurance scheme;
and generating an insurance claim settlement scheme based on the user insurance scheme and the insurance claim settlement data when the insurance claim settlement data is audited and passed, and executing the insurance claim settlement scheme to respond to the insurance claim settlement request.
Further, when the insurance claim data is audited, generating an insurance claim scheme based on the user insurance scheme and the insurance claim data, and executing the insurance claim scheme, after responding to the insurance claim request, further including:
based on the message queue, storing an execution instruction of the insurance claim settlement scheme;
acquiring average claim settlement processing time length of an insurance claim settlement scheme;
and calculating the claim settlement execution time length of the insurance claim settlement scheme based on the current instruction number stored in the message queue and the average claim settlement processing time length so as to remind a user to check the claim settlement progress according to the claim settlement execution time length.
In a second aspect, the present application further provides a big data claim information management system, wherein the system includes:
the front-end interaction module is used for collecting insurance product demand information of a user, pushing and displaying the insurance product information to the user;
and the user login module is used for verifying the user account information and switching to the front-end interaction module when the user account information passes the verification.
Further, the front-end interaction module further includes:
and the risk management module is used for counting and analyzing the risk management data of at least one insurance product.
Further, the big data claim information management system includes:
and the user information management module is used for acquiring, storing and managing the user information and the user account information.
Further, the user information management module includes:
the account information management unit is used for creating, registering, storing and verifying the user information and the user account information;
and the insurance product information management unit is used for editing and storing the insurance product information and updating the insurance product information.
In a third aspect, the present application also provides a computer readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of a big data based claim information management method as described above.
The application provides a big data claim information management method, a system and a storage medium, wherein the method comprises the steps of collecting the insurance requirement information of a current user based on interactive dialogue data between artificial intelligence and a user side, wherein the insurance requirement information comprises insurance type, insurance object and insurance expense; searching a target insurance product from currently available insurance products based on the insurance requirement information; generating a user insurance scheme based on the insurance requirement information and the target insurance product; and after the user finishes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product is effective. Through the mode, the user and artificial intelligence dialogue data are collected, so that the insurance claim requirements of the user are determined, and recommendation of insurance products is performed according to the insurance claim requirements of the user, so that target insurance products meeting the user insurance requirements are determined, corresponding user insurance schemes are generated, quick generation of the insurance schemes is achieved, and generation efficiency and accuracy of the insurance schemes are improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a first embodiment of a method for managing big data claim information provided in the present application;
FIG. 2 is a flowchart illustrating a second embodiment of a method for managing big data claim information according to the present application;
FIG. 3 is a schematic structural diagram of a first embodiment of a big data claim information management system provided in the present application;
FIG. 4 is a schematic diagram of a user login page of the big data claim information management system provided by the present application;
fig. 5 is a schematic structural diagram of a front end page module provided in the present application;
fig. 6 is a schematic block diagram of a computer device according to an embodiment of the present application.
The realization, functional characteristics and advantages of the present application will be further described with reference to the embodiments, referring to the attached drawings.
Description of the embodiments
The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
The flow diagrams depicted in the figures are merely illustrative and not necessarily all of the elements and operations/steps are included or performed in the order described. For example, some operations/steps may be further divided, combined, or partially combined, so that the order of actual execution may be changed according to actual situations.
Some embodiments of the present application are described in detail below with reference to the accompanying drawings. The following embodiments and features of the embodiments may be combined with each other without conflict.
Referring to fig. 1, fig. 1 is a flowchart of a first embodiment of a method for managing big data claim information provided in the present application.
As shown in fig. 1, the big data claim information management method includes steps S101 to S104.
S101, acquiring the insurance requirement information of a current user based on interactive dialogue data between artificial intelligence and a user side, wherein the insurance requirement information comprises insurance type, insurance object and insurance expense;
in one embodiment, after logging into the big data claim information management system, the user can perform a dialogue with the artificial intelligence, so as to collect the insurance content and tendency of the user, and obtain the insurance product requirement information of the user, such as the insurance object, insurance seed, budget, and the like.
S102, searching a target insurance product from currently available insurance products based on the insurance requirement information;
in an embodiment, according to insurance product demand information and existing insurance products, a target insurance product meeting the user insurance product demand is analyzed and pushed to a user.
In an embodiment, if the intelligent pushed insurance product does not meet the user's application requirements, an application scheme can be provided for the user by means of manual consultation.
S103, generating a user insurance scheme based on the insurance requirement information and the target insurance product;
in one embodiment, the user needs to enter the application information, including the application object, the applicant's identity information, the application time limit, etc., and then combine with the target insurance product to generate a user application scheme meeting the user's application requirements.
And S104, after the user finishes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product is effective.
In one embodiment, after the user's insurance scheme is generated, the user needs to pay after confirming the scheme, and after the payment is completed, the target insurance product can be validated, so as to ensure the user's insurance content.
Further, when an insurance claim settlement request submitted by the user is received, judging whether the insurance claim settlement request is in a claim settlement range or not based on the target insurance product which corresponds to the user and is currently effective; acquiring insurance claim data of the user when the insurance claim settlement request is within the claim settlement range, and auditing the insurance claim data based on the user insurance scheme; and generating an insurance claim settlement scheme based on the user insurance scheme and the insurance claim settlement data when the insurance claim settlement data is audited and passed, and executing the insurance claim settlement scheme to respond to the insurance claim settlement request.
In one embodiment, when a user needs to make an insurance claim, the user may submit an insurance claim request to apply for the claim through a claim application channel provided by the big data claim information management system, and need to provide claim content such as claim objects, case details, claim evidence (e.g. vehicle damage assessment scheme, disease diagnosis report, etc.).
Further, based on the message queue, storing an execution instruction of the insurance claim settlement scheme; acquiring average claim settlement processing time length of an insurance claim settlement scheme; and calculating the claim settlement execution time length of the insurance claim settlement scheme based on the current instruction number stored in the message queue and the average claim settlement processing time length so as to remind a user to check the claim settlement progress according to the claim settlement execution time length.
In an embodiment, when the user side requests for the claim, the claim settlement request information is sent to the server side, and when the server side determines that the claim settlement process is executed on the claim settlement request information, the claim settlement process information can be stored through the message queue, so that the claim settlement process is executed in order.
In an embodiment, the duration of each claim settlement process processed by the server in the historical time period can be obtained, the average claim settlement processing duration is calculated, and then the claim settlement feedback duration of the current claim settlement request can be calculated as a reference according to the instruction number, the instruction number and the average claim settlement processing duration of the claim settlement instructions currently stored in the message queue, so that a user can check the claim settlement process in time.
In one embodiment, the claim center verifies and validates the claim content submitted by the user, and judges whether the current insurance claim request is within the claim range and accords with the claim request in combination with the insurance product purchased by the user, and if not, the request is refused; if so, generating an insurance claim settlement scheme according to the user insurance scheme and the insurance claim settlement data, and executing the insurance claim settlement scheme so as to settle the claim.
In this embodiment, the dialogue data of the user and the artificial intelligence is collected, so that the insurance claim requirements of the user are determined, and the recommendation of the insurance product is performed according to the insurance claim requirements of the user, so that the target insurance product meeting the user insurance requirements is determined, the corresponding user insurance scheme is generated, the quick generation of the insurance scheme is realized, and the generation efficiency and accuracy of the insurance scheme are improved.
Referring to fig. 2, fig. 2 is a flowchart of a second embodiment of the method for managing big data claim information provided in the present application.
As shown in fig. 2, based on the embodiment shown in fig. 1, in this embodiment, after step S101, the method further includes:
s201, matching at least one available application scheme in a historical application database based on the application requirement information;
in an embodiment, the server may record and file multi-user historical application information, including information of an application object, an application amount, an application type, and the like, extract keywords, such as vehicle insurance, parking space insurance, application amount, insurance usage, and the like, establish a user historical application scheme, and store the user historical application scheme through a database.
Further, extracting at least one insurance keyword based on the insurance requirement information; searching the historical insurance database for at least one of the hit insurance schemes for hits based on the insurance keywords; calculating scheme matching degree of each hit guarantee scheme based on the guarantee requirement information; and screening the hit insurance scheme based on a preset matching degree threshold and the scheme matching degree to obtain at least one available insurance scheme.
In an embodiment, when the application requirement information of the current user is extracted, at least one application keyword, such as accident risk, car risk, property risk, vehicle brand, vehicle model, parent, child, principal and the like, can be extracted from the application requirement information as keywords, then searching is performed in a historical application database through the application keywords, such as principal and accident risk, the historical application scheme of the same type is matched, and the matched historical application scheme is used as a hit application scheme to be selected.
S202, when an available insuring scheme matched with the insuring requirement information exists in the historical insuring database, generating the user insuring scheme based on the available insuring scheme.
In an embodiment, based on the requirement information of the application, calculating the scheme matching degree of each hit-guaranteeing scheme, for example, if the application object is a person, calculating the scheme matching degree of the hit-guaranteeing scheme according to the age, sex, risk, application amount and the like of the application object, and sorting each hit-guaranteeing scheme according to the scheme matching degree, and screening out the hit-guaranteeing scheme with the scheme matching degree lower than the matching degree threshold; and arranging the hit insuring schemes with the scheme matching degree reaching the matching degree threshold according to the sequence of the scheme matching degree so as to be selected by a user.
Referring to fig. 3, fig. 3 is a schematic structural diagram of a first embodiment of a big data claim information management system provided in the present application.
As shown in fig. 3, the big data claim information management system includes a front-end interaction module and a user login module:
the front-end interaction module is used for collecting insurance product demand information of a user, pushing and displaying the insurance product information to the user;
and the user login module is used for verifying the user account information and switching to the front-end interaction module when the user account information passes the verification.
In an embodiment, when the user uses the big data claim information management system, the user account number which is uniquely identified needs to be registered in the service platform, and account registration can be performed through the unique identity identification information such as an identity card number, a mobile phone number and the like. And then, inputting a user account number and a password through a user login module, and logging in the big data claim information management system through verification.
In an embodiment, the front-end interaction module may be in a web mode, an applet or an APP client, and the user logs in the big data claim information management system through a client device (such as a mobile phone, a computer, etc.) in a network state, and after the login verification is passed, the user can enter the front-end interaction module to check product information in the big data claim information management system.
Illustratively, as shown in FIG. 4, a user clicking on a client icon of the big data claim information management system may open a login interface of the system. The user needs to fill in the mobile phone number and the verification code information on a login interface of the system, and then clicks a login button to complete login operation. The user clicks the corresponding icon to enter the interface, and after entering the interface, the user inputs the corresponding mobile phone number and verification code information to complete the login, and after the completion, the user selects a login function button to operate.
In an embodiment, after the user finishes the login operation, the user can enter the front-end interaction module to display a home interface, and click a corresponding button in the interface, so that the user can see corresponding information, and the requirements of the user are met. The front-end interaction module can comprise detail introduction pages of all insurance products, and a user can enter the detail introduction pages of all insurance products by clicking UI controls corresponding to all the insurance products to know information such as dangerous types, insurance ranges, applicable crowds, applicable scenes, claim settlement modes and the like of all the insurance products.
Exemplary, after the login is successful, the front-end interaction module is switched to enter the home page interface, the interface comprises contents such as free selling insurance, insurance planning, policy management, member welfare and the like, and corresponding functional operations can be performed by selecting and clicking functional buttons (such as intelligent consultants, risk management, hot activities and the like) in the interface.
The application provides a big data claim information management system, which registers and identifies unique account information of a user through a user login module, so that accurate management of the user information is realized, accurate screening and management of the claim information of the user are realized according to the account information of the user, and the accuracy of claim information management is ensured. The front-end interaction module is used for collecting insurance product demand information of the user, pushing insurance product information meeting the insurance demand of the user, guaranteeing the accuracy of insurance content, and improving the management efficiency of claim settlement service.
Further, as shown in fig. 3, the big data claim information management system further includes an insurance product management module for storing and managing insurance product information.
In an embodiment, the big data claim information management system may be configured in a server, the insurance product management module may include a storage unit disposed at the cloud server end, a background management server, and the like, through which the detail data of the insurance product may be published, stored, and invoked, for example, the development end creates the detail page data of the insurance product through the background management server, and then uploads the detail page data of the insurance product to the cloud server and publishes the detail page data to the big data claim information management system, the user may request to view the detail information of the insurance product by accessing the big data claim information management system, and the cloud server may invoke and issue the detail page data of the insurance product to the client end of the user publishing the request when receiving the request for viewing.
In an embodiment, the development end may further perform information management on the insurance product stored in the cloud server through the insurance product management module, including operations such as publishing, temporary storage, taking off shelf, and modifying. Such as modifying the price of the insurance product during an activity, increasing the date of the activity, etc., or taking a portion of the insurance product off shelf, etc.
Further, as shown in fig. 3, the big data claim information management system further includes a user information management module, configured to acquire, store and manage user information and the user account information.
In an embodiment, when a user logs in the big data claim information management system for the first time, user account information, such as identity card information, mobile phone number information, mailbox information, login passwords and the like, needs to be registered, and verification codes are acquired through short message verification, mailbox verification and the like, so that registration is completed.
In an embodiment, when the user completes registration, the user information management module can store the user account information of the user, so that the password authentication login can be directly performed when the user logs in next time.
Further, the user information management module comprises an account information management unit and an insurance product information management unit.
The account information management unit is used for creating, registering, storing and verifying the user information and the user account information.
In an embodiment, when the user successfully registers the account for the first time, the account information management unit may store user account information, including information such as a login account and a login password. Meanwhile, when the user logs in next time, whether the account number and the password input by the user in next time are correct or not can be verified according to the saved login account number and the login password, if so, the login is successful, and if not, the login is refused.
In an embodiment, the account information management unit may be further configured to manage account logout and password modification of the user, for example, when the user needs to modify the password, the user needs to verify the current password, and after the modification is completed, the user performs a revocation process on the old password and a validation process on the new password.
And the insurance product information management unit is used for editing and storing the insurance product information and updating the insurance product information.
In one embodiment, the insurance product information management unit may be configured to store data such as information about insurance products purchased by the user, information about insurance products purchased historically, and information about insurance claims.
Further, as shown in fig. 5, the front-end interaction module includes: and the intelligent interaction unit is used for carrying out interaction dialogue with a user through artificial intelligence and collecting the insurance product demand information in the interaction dialogue.
In an embodiment, the big data claim information management system may provide an intelligent dialogue page, and perform interactive dialogue with the user through the artificial intelligence, and may preset dialogue contents of the artificial intelligence, such as asking the user for the gender, age, who needs to apply the object, what the insurance content is, so as to guide the user to provide relevant dialogue contents for application, and further extract the insurance product requirement information.
In one embodiment, in the intelligent interaction unit, a user can enter an interface by selecting a corresponding icon on an intelligent advisor interface of the big data claim information management system. After the user enters the interface, the user can check the window information of the intelligent consultant, and the user can consult by inputting the corresponding information and clicking the enter button. The user can perform corresponding selection operation according to the management prompt in the interface, and click the next function button to enter the next interface.
Further, as shown in fig. 5, the front-end interaction module further includes: and the insurance product purchasing unit is used for generating a user insurance scheme according to the insurance product demand information and purchasing insurance products according to the user insurance scheme.
In one embodiment, a product interface of the big data claim information management system may be included in the insurance product purchasing unit. The user selects the corresponding icon to enter the interface. After the user enters the interface, the user can view the product selection information, including product selections such as health risks, accident risks, property risks and the like.
In one embodiment, the user may open the corresponding detail page by selecting a function icon of any insurance product to view details of the insurance product. Such as insurance company, contractual age (e.g., 30 days-17 years, etc.), guarantee period (20/25/30 years, lifetime, to 70 years/80 years, etc.), basic insurance amount, insurance compensation range, claim settlement scheme, amount of insurance applied, etc.
In an embodiment, the insurance product purchasing unit may further include an insurance purchase page, in which the user may view information of immediate insurance, including content filling of underwriting age, birth date, basic insurance amount, insurance period, and the like, and payment channel, and the like.
Further, as shown in fig. 5, the front-end interaction module further includes: and the insurance claim settlement module is used for carrying out data auditing on the insurance claim settlement request of the user, and generating and executing the insurance claim settlement scheme according to the user insurance scheme when the insurance claim settlement request auditing passes.
In an embodiment, a user can check purchased insurance products and can apply for insurance claims through a claim settlement channel provided by the insurance claim settlement module, the insurance claim settlement module checks the insurance claim settlement request content of the user according to the insurance claim settlement request of the user, if the user purchases the corresponding insurance products, the insurance claim settlement request content is in the claim settlement range of the purchased insurance products and accords with the claim settlement of the purchased insurance products, the checking is passed, and then the insurance claim settlement request is subjected to claim settlement evaluation, so that an insurance claim settlement scheme is generated, and the insurance claim settlement scheme is executed. The user can check the content of the claim settlement progress, the claim settlement scheme and the like, such as the content of reported cases, found cases, rejected cases and the like, in the insurance claim settlement module.
Further, as shown in fig. 5, the front-end interaction module further includes: and the risk management module is used for counting and analyzing the risk management data of at least one insurance product.
In one embodiment, the risk management module may be configured to collect insurance product data, claim data, etc. that are currently purchased by all users, and then to analyze the claim forecast data for each insurance product and type of insurance. The user can check the data information of risk management, and display data analysis of life insurance, annuity, medical treatment, serious diseases and the like. Such as data information for severe disease prediction, data information for unexpected prediction, etc.
In an embodiment, the front-end interaction module may further include a content pushing module, such as topic recommendation, basic knowledge, insurance collocation, and the like, and the user may know the detail information of each insurance product, such as insurance content, insurance scope, and claim settlement process, by looking at the pushed content.
In an embodiment, the front-end interaction module may further provide a user personal account information management channel or page, and the user may learn about the content of the user personal account information through the user personal account information management channel or page, for example, check-in operation may be performed by clicking a daily check-in button in the interface, online consultation may be performed by clicking an intelligent consultation button in the interface, and corresponding content may be viewed by clicking a claim center button in the interface.
In an embodiment, in the user personal account information management channel or page, the user may also view system setting information, including account security, current version, opinion feedback, etc., and click an account security button in the interface to perform corresponding operations.
In one embodiment, in the user personal account information management channel or page, the user can also perform account security management, such as checking account security information, including account login password, payment transaction password, account logout, and the like.
The method provided by the above embodiments may be implemented in the form of a computer program that is executable on a computer device as shown in fig. 6.
Referring to fig. 6, fig. 6 is a schematic block diagram of a computer device according to an embodiment of the present application. The computer device may be a server.
With reference to FIG. 6, the computer device includes a processor, memory, and a network interface connected by a system bus, where the memory may include a non-volatile storage medium and an internal memory.
The non-volatile storage medium may store an operating system and a computer program. The computer program includes program instructions that, when executed, cause the processor to execute any of a variety of big data claim information management systems.
The processor is used to provide computing and control capabilities to support the operation of the entire computer device.
The internal memory provides an environment for the execution of a computer program in a non-volatile storage medium that, when executed by a processor, causes the processor to perform any of a number of big data claim information management systems.
The network interface is used for network communication such as transmitting assigned tasks and the like. It will be appreciated by those skilled in the art that the structure shown in fig. 6 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
It should be appreciated that the processor may be a central processing unit (CentralProcessingUnit, CPU), but may also be other general purpose processors, digital signal processors (DigitalSignalProcessor, DSP), application specific integrated circuits (ApplicationSpecificIntegratedCircuit, ASIC), field programmable gate arrays (Field-ProgrammableGateArray, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. Wherein the general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
Wherein in one embodiment the processor is configured to run a computer program stored in the memory to implement the steps of:
collecting the information of the insurance requirement of the current user based on interactive dialogue data between the artificial intelligence and the user side, wherein the information of the insurance requirement comprises the insurance type, the insurance object and the insurance expense;
searching a target insurance product from currently available insurance products based on the insurance requirement information;
generating a user insurance scheme based on the insurance requirement information and the target insurance product;
and after the user finishes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product is effective.
In an embodiment, after implementing the interactive dialogue data based on the artificial intelligence and the user side, the processor is further configured to implement:
matching at least one available application scheme in a historical application database based on the application requirement information;
and when an available insurance scheme matched with the insurance requirement information exists in the historical insurance database, generating the user insurance scheme based on the available insurance scheme.
In an embodiment, the processor, when implementing the matching of at least one available application scheme in the historical application database based on the application requirement information, is configured to implement:
extracting at least one insurance keyword based on the insurance requirement information;
searching the historical insurance database for at least one of the hit insurance schemes for hits based on the insurance keywords;
calculating scheme matching degree of each hit guarantee scheme based on the guarantee requirement information;
and screening the hit insurance scheme based on a preset matching degree threshold and the scheme matching degree to obtain at least one available insurance scheme.
In an embodiment, after the user completes the payment of the insurance product of the user insurance scheme, the processor activates an insurance service corresponding to the user insurance scheme, so that the target insurance product is validated, and is further configured to implement:
when an insurance claim settlement request submitted by the user is received, judging whether the insurance claim settlement request is in a claim settlement range or not based on the currently effective target insurance product corresponding to the user;
acquiring insurance claim data of the user when the insurance claim settlement request is within the claim settlement range, and auditing the insurance claim data based on the user insurance scheme;
and generating an insurance claim settlement scheme based on the user insurance scheme and the insurance claim settlement data when the insurance claim settlement data is audited and passed, and executing the insurance claim settlement scheme to respond to the insurance claim settlement request.
In an embodiment, when the processor implements the verifying and passing of the insurance claim data, generating an insurance claim scheme based on the user application scheme and the insurance claim data, and executing the insurance claim scheme, after responding to the insurance claim request, the processor is further configured to implement:
based on the message queue, storing an execution instruction of the insurance claim settlement scheme;
acquiring average claim settlement processing time length of an insurance claim settlement scheme;
and calculating the claim settlement execution time length of the insurance claim settlement scheme based on the current instruction number stored in the message queue and the average claim settlement processing time length so as to remind a user to check the claim settlement progress according to the claim settlement execution time length.
The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, the computer program comprises program instructions, and the processor executes the program instructions to realize any big data claim information management method provided by the embodiment of the application.
The computer readable storage medium may be an internal storage unit of the computer device according to the foregoing embodiment, for example, a hard disk or a memory of the computer device. The computer readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk provided on the computer device, a smart memory card (SmartMediaCard, SMC), a secure digital (SecureDigital, SD) card, a flash memory card (FlashCard), etc.
While the invention has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the invention. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A method of managing big data claims information, the method comprising:
collecting the information of the insurance requirement of the current user based on interactive dialogue data between the artificial intelligence and the user side, wherein the information of the insurance requirement comprises the insurance type, the insurance object and the insurance expense;
searching a target insurance product from currently available insurance products based on the insurance requirement information;
generating a user insurance scheme based on the insurance requirement information and the target insurance product;
and after the user finishes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product is effective.
2. The method for managing big data claim information according to claim 1, wherein after collecting the information of the current user's application and demand based on the interactive dialogue data between the artificial intelligence and the user terminal, the method further comprises:
matching at least one available application scheme in a historical application database based on the application requirement information;
and when an available insurance scheme matched with the insurance requirement information exists in the historical insurance database, generating the user insurance scheme based on the available insurance scheme.
3. The big data claim information management method of claim 2, wherein the matching at least one available application scheme in a historical application database based on the application demand information comprises:
extracting at least one insurance keyword based on the insurance requirement information;
searching the historical insurance database for at least one of the hit insurance schemes for hits based on the insurance keywords;
calculating scheme matching degree of each hit guarantee scheme based on the guarantee requirement information;
and screening the hit insurance scheme based on a preset matching degree threshold and the scheme matching degree to obtain at least one available insurance scheme.
4. The method for managing big data claim 1, wherein after the user completes the payment of the insurance product of the user insurance scheme, activating the insurance service corresponding to the user insurance scheme, so that the target insurance product is validated, further comprising:
when an insurance claim settlement request submitted by the user is received, judging whether the insurance claim settlement request is in a claim settlement range or not based on the currently effective target insurance product corresponding to the user;
acquiring insurance claim data of the user when the insurance claim settlement request is within the claim settlement range, and auditing the insurance claim data based on the user insurance scheme;
and generating an insurance claim settlement scheme based on the user insurance scheme and the insurance claim settlement data when the insurance claim settlement data is audited and passed, and executing the insurance claim settlement scheme to respond to the insurance claim settlement request.
5. The big data claim information management method of claim 4, wherein upon the passing of the insurance claim data audit, generating an insurance claim scheme based on the user's applied insurance scheme and the insurance claim data, and executing the insurance claim scheme in response to the insurance claim request, further comprising:
based on the message queue, storing an execution instruction of the insurance claim settlement scheme;
acquiring average claim settlement processing time length of an insurance claim settlement scheme;
and calculating the claim settlement execution time length of the insurance claim settlement scheme based on the current instruction number stored in the message queue and the average claim settlement processing time length so as to remind a user to check the claim settlement progress according to the claim settlement execution time length.
6. A big data claim information management system, the big data claim information management system comprising:
the front-end interaction module is used for collecting insurance product demand information of a user, pushing and displaying the insurance product information to the user;
and the user login module is used for verifying the user account information and switching to the front-end interaction module when the user account information passes the verification.
7. The big data claim information management system of claim 6, wherein the front-end interaction module further comprises:
and the risk management module is used for counting and analyzing the risk management data of at least one insurance product.
8. The big data claim information management system of claim 6, wherein the big data claim information management system comprises:
and the user information management module is used for acquiring, storing and managing the user information and the user account information.
9. The big data claim information management system of claim 8, wherein the user information management module comprises:
the account information management unit is used for creating, registering, storing and verifying the user information and the user account information;
and the insurance product information management unit is used for editing and storing the insurance product information and updating the insurance product information.
10. A computer-readable storage medium, on which a computer program is stored, wherein the computer program, when executed by a processor, implements the steps of the big data claim-based information management method of any of claims 1 to 5.
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