TWI663566B - Method, device, server, and medium for loss assessment claimed by human injury - Google Patents

Abstract

The invention relates to a method, a device, a server and a medium for calculating a personal injury and loss compensation cost. The method includes: receiving a personal injury and loss determination request sent by a terminal, and the personal injury and loss determination request carries information about the injured person; Call the personal injury and damage model; enter the injured person's information into the personal injury and damage model, and use the personal injury and damage model to calculate the fixed loss time corresponding to multiple fixed loss projects; use the fixed loss corresponding to multiple fixed loss projects Calculate the fixed damage cost corresponding to the personal injury claim. The adoption of this method can effectively improve the calculation efficiency of the fixed loss cost for personal injury claims.

Description

Method, device, server and medium for calculating personal injury claims

The present invention relates to the field of computer technology, and in particular, to a method, device, server, and medium for calculating a personal injury claim compensation loss cost.

In the insurance industry, personal injury claims are a more common type of claims.

In the traditional method, personal injury claims mainly rely on medical assessment professionals to perform manual assessments based on their own business operations, injuries and treatment of the injured, so as to calculate the fixed damage costs of personal injury claims. However, it is time-consuming and inefficient to calculate the fixed cost of injury claims manually.

Therefore, how to effectively improve the efficiency of the calculation of the fixed loss cost of personal injury claims is a technical problem that needs to be solved at present.

Based on this, it is necessary to provide a method, a device, a server, and a medium for calculating the human injury claims fixed loss cost which effectively improve the calculation efficiency of the human injury claims fixed loss cost in view of the above technical problems.

A method for calculating the cost of determining personal injury claims, including:

Receive a personal injury and damage request sent by the terminal, and the personal injury and damage request carries the injured person's information;

According to the determination request, the human injury determination model is called;

Enter the injured person's information into the person's injury and damage loss model, and calculate the fixed loss time corresponding to multiple fixed loss projects through the person's injury and damage loss model;

Calculate the fixed loss cost corresponding to personal injury claims by using the fixed loss time corresponding to multiple fixed loss projects.

A device for measuring the cost of determining personal injury claims, the device includes:

A receiving module for receiving a personal injury and damage determination request sent by the terminal, and the personal injury and damage determination request carries the injured person's information;

A calling module, which is used to call the human injury and fixed damage model according to the fixed loss request;

A measurement module is used to input the injured person's information into the person's fixed damage model, and calculate the fixed loss time corresponding to multiple fixed loss projects through the personal damage fixed loss model; using the fixed loss corresponding to multiple fixed loss projects The long-term calculation of the fixed damage costs corresponding to the personal injury claims.

A server includes a memory, a processor, and a computer program stored on the memory and operable on the processor. When the processor executes the program, the steps in the foregoing implementation manner are implemented.

A computer-readable storage medium stores a computer program thereon. When the computer program is executed by a processor, the steps in the foregoing implementation manner are implemented.

The above-mentioned method, device, server and medium for calculating the personal injury and loss compensation costs, when receiving the personal injury and loss compensation request, call the personal injury and loss compensation model. The injury information carried in the personal injury and damage damage request is input into the personal injury and damage damage model, and the fixed damage duration corresponding to multiple fixed damage projects is calculated through the personal injury and damage damage model. In this way, the fixed loss time corresponding to multiple fixed loss projects is used to calculate the fixed loss cost required for personal injury claims. Throughout the entire process, there is no need for human involvement at all, and the fixed damage cost required for personal injury claims can be automatically calculated by invoking the human damage determination model, which effectively saves time in manual calculation and improves the efficiency of the fixed loss calculation.

In order to make the objectives, technical solutions, and advantages of the present invention clearer, the following further describes the present invention in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

The method for calculating the personal injury and loss compensation costs provided in the embodiment of the present invention can be applied to the application environment shown in FIG. 1. The claims terminal 102 and the server 104 are connected through a network. The claimant may enter the injured person's information through the claim terminal 102 when processing the claim for injury. The claim terminal 102 uses the injured person's information to generate a personal injury determination request, and sends the personal injury determination request to the server 104. A fixed injury model for human injury is established on the server 104 in advance. When the server 104 receives the human injury and damage loss request, it calls the human injury and damage loss model. The server 104 inputs the injured person's information into the human injury fixed loss model, and calculates the fixed loss time corresponding to multiple fixed loss projects through the human injury fixed loss model. The server 104 obtains a corresponding fixed loss cost calculation standard according to the fixed loss project. The server 104 calculates the fixed loss cost corresponding to multiple fixed loss items by using the fixed loss duration and the fixed loss measurement standard, and accumulates the fixed loss costs corresponding to the multiple fixed loss items to obtain the fixed loss corresponding to the personal injury claim. cost. In the whole process, no manual participation is required at all, which effectively saves time for manual calculation and improves the efficiency of calculation of the fixed loss cost.

In an embodiment, as shown in FIG. 2, a method for calculating a personal injury claim compensation cost is provided. The method is applied to a server as an example for illustration, and specifically includes the following steps:

In step 202, a personal injury and loss determination request sent by the terminal is received, and the personal injury and loss determination request carries the injured person information.

The terminal can be a claims terminal or a client terminal. Terminals include computers, personal notebooks, tablets, smartphones, and personal digital assistants. The server can receive the personal injury determination request sent by the claims officer through the claims terminal when processing the personal injury claims. The server can also receive the personal injury determination request sent by the client terminal when the client applies for injury compensation. The personal injury determination request carries the injured person's information. Injured information includes basic information about the injured and medical information about the injured. The wounded's basic information includes the wounded's name, gender, age, and area. The injured medical information includes the injured part, medical project, diagnostic code, operation name, and operation type.

Step 204: Invoke the human damage and fixed damage model according to the fixed loss request.

In step 206, the wounded person's information is inputted into the human injury fixed loss model, and the fixed injury duration corresponding to multiple fixed loss projects is calculated through the human injury fixed loss model.

The human injury fixed damage model is established in advance on the server. The human injury and damage model can be expressed in the form of a multivariate function. The multivariate function of the human injury determination model includes multiple factor variables.

In one embodiment, the human injury determination model includes: F = f (x, y, z, k, g); where F is the length of the fixed loss corresponding to the fixed loss item; x, y, z, k And g are factor fields, where x is the diagnostic code; y is the type of surgery; z is the age range; k is the region; g is the gender.

The deployment database is on the server. The database stores the personal injury and damage damage data table corresponding to the current personal injury and damage damage model. The personal injury and damage information table includes multiple factor fields. The factor fields include the fixed damage item, the fixed damage duration, the diagnosis code, the type of surgery, the age range, the area, and the gender. Among them, loss-of-loss items include lost time, care and nutrition assistance. The data of the factor field in the personal injury timing data table can be calculated based on the historical personal injury fixed damage data within a preset period of time. The server can update the personal injury timing data table according to the set frequency to ensure that the content of each factor field is accurate.

After the server receives the damage determination request, it will call the human damage determination model. The server obtains required information from the injured person's information according to the factor variables of the fixed injury model, and inputs the required information into the fixed injury model. The human injury and damage loss model queries the factor field corresponding to each factor variable in the human injury and damage loss data table to obtain the fixed loss duration corresponding to multiple fixed loss items. The human injury and damage damage model can simultaneously output the fixed damage time corresponding to multiple fixed damage items. There can be multiple units of the fixed loss duration, for example, it can be in units of days, weeks, or even hours.

The calculation of the fixed-loss time corresponding to multiple fixed-loss projects by the human injury and fixed-loss model is exemplified. The code in Beijing is 201, the code for comminuted fracture of the left femur is G.42.4.1, the code for surgery is 2, the code for men is M, and the age range is 36-50 years. If the personal injury and damage information request includes a male, the age is 40 years old, the area is Beijing, the damaged part is a left femoral comminuted fracture, the diagnosis code is G.42.4.1, and surgery is used. Then the server can input the above information into the human injury and fixed damage model, and obtain the following data relationship F = f (G.42.4.1, 2, 36-50, 201, M). This gives (186, 90, 90). That is, the length of lost work and fixed damage is 186 days, the length of fixed loss of nursing is 90 days, and the length of fixed loss of nutritional assistance is 90 days.

Step 208: Calculate a fixed loss cost corresponding to a personal injury claim using the fixed loss duration corresponding to multiple fixed loss items.

After the server uses the human injury and fixed loss model to calculate the fixed loss duration corresponding to multiple fixed loss projects, the server obtains the corresponding fixed loss cost calculation standard according to the fixed loss project. The standard for calculating the fixed loss cost may correspond to the unit of the fixed loss duration. For example, the standard for determining fixed loss costs may be the daily average fixed loss amount calculated in days, or the weekly average fixed loss amount calculated in weeks, and further may be the hourly average fixed loss amount calculated in hours. Since the cost of lost work, nursing care, and nutritional assistance may be different in different regions and different industries, the server may further obtain the corresponding standard for determining the fixed cost according to the area and / or industry of the injured person.

The server calculates the fixed loss cost corresponding to multiple fixed loss items using the fixed loss duration and the fixed loss cost measurement standard. Specifically, fixed loss cost = fixed loss duration * standard for measuring fixed loss cost. For example, the fixed loss duration is in units of days, and the standard for measuring fixed loss costs is the average daily fixed loss amount. The length of lost work and fixed damage is 186 days, and the average fixed loss amount per day of lost work is 300 yuan, so the cost of lost work and fixed damage = 186 * 300 = 55800 yuan. The server accumulates the fixed-loss costs corresponding to multiple fixed-loss items to obtain the fixed-loss costs corresponding to personal injury claims.

In this embodiment, when a human injury and loss determination request is received, a human injury and loss determination model is called. The injury information carried in the personal injury and damage loss request is input into the personal injury and damage loss model, and the fixed injury time corresponding to multiple fixed loss projects is calculated through the personal injury and damage loss model. In this way, the fixed loss time corresponding to multiple fixed loss projects is used to calculate the fixed loss cost required for personal injury claims. Throughout the entire process, there is no need for human involvement at all, and the fixed damage cost required for personal injury claims can be automatically calculated by invoking the human damage determination model, which effectively saves time in manual calculation and improves the efficiency of the fixed loss calculation.

Further, for a person's injury claim that does not require the calculation of the fixed-loss duration, the server can obtain the corresponding fixed-loss fee according to the fixed-loss project carried in the injured person's information. The fixed damage items that do not require a fixed damage duration include death compensation, mental comfort and disability compensation.

In an embodiment, the method further includes: obtaining historical personal injury and damage determination data within a preset time period; historical personal injury and determination damage data includes a plurality of factor fields; and historical human injury and determination damage data corresponding to the factor fields Cluster analysis was performed to obtain clustering results corresponding to multiple factor fields; the clustering results were used to optimize the human injury and damage model.

Due to personal injury compensation regulations will be adjusted over time. The adjusted content includes the site of injury, the name of the operation, age or gender. In order to ensure that the accurate injury injury damage calculation can be calculated when claiming for injury, the injury injury damage model needs to be optimized.

Specifically, the server may obtain historical injury damage determination data of multiple wounded persons in a preset period of time in the database. The preset time period can be one year, six months, or even a quarter. The historical human injury and damage information includes multiple factor fields, such as the fixed damage item, the fixed damage duration, the diagnosis code, the type of surgery, the age range, the area and the gender. The server treats the historical injury and damage data of each injured person as a sample, and uses the field name of each factor field as a dimension. The server performs cluster analysis on samples of each dimension. The server uses a cluster analysis algorithm, such as the K-means algorithm. The field name of each factor field is used as a data object to sequentially perform multiple calculations on multiple samples to calculate the clustering result corresponding to each dimension. . For example, the server obtains dimensions such as gender, age, injury site, and medical project, and performs cluster analysis on multiple samples to obtain the fixed damage duration of the same gender, same injury site, and the same medical project in an age range . The server uses the clustering result to update the personal injury and damage damage data table against the field names of each factor field.

Further, if the fixed loss time obtained after clustering analysis using multiple dimensions is within a preset range, the server may also perform an average calculation of the lost working time within the budget range according to the dimensions. Mean calculation includes mean calculation or square mean calculation. For example, after cluster analysis, we get: males of gender, age of 30-40 years, lost time for fractures is 198 days, age of 40-50 years of time is 199 days, age of 40- If the length of lost work between the age of 50 and 200 days is 200 days, then the average analysis of the length of such lost work hours is made, and the average value is 199 days. The server can update the number of lost-time workers with fractures between the age of 30-50 years for men in the injury and injury data sheet to 199 days.

The server updates through the personal injury timing data table, so that the human injury fixed loss model can query the updated fixed loss time in the human injury timing data table, thereby realizing the optimization of the human injury fixed loss model. In this way, it is possible to ensure the accurate calculation of the fixed injury and loss expenses when claiming for injury.

In an embodiment, before the step of receiving a personal injury and damage request, the method further includes: crawling news content on multiple websites; performing big data analysis on various news content to obtain content related to insurance accidents; The accident-related content identifies a pending claim accident, and then a claim task is generated based on the pending claim accident, and the claim task is sent to the claim terminal, so that the claim terminal generates a personal injury determination request when processing the personal injury claim.

In this embodiment, a personal injury claim can be a claim service provided by a claimant when a customer encounters an insured accident. In order to be able to provide customers with active claims services, the server can use multiple websites in the crawler technology to collect news content and conduct large data analysis on the collected news content. If a pending claims accident can be identified in the results of the big data analysis, the server generates a corresponding claim task, sends the claim task to the claim terminal, and the claim officer goes to provide the client with an active claim service.

Specifically, the server performs big data analysis on news content collected by multiple websites. The server can obtain keywords related to insurance, such as car accidents, plane crashes, earthquakes, explosions, etc., and use keywords to perform cluster analysis on the collected news content to obtain content related to insurance accidents. The server performs big data analysis on the collected news content, which can be regarded as the primary screening of news content. The server still needs to further process the content obtained by the screening, that is, the content related to insurance, so as to identify whether the content related to insurance involves an insurance accident to be claimed. There are several ways to identify the existence of an insured event pending settlement.

In one of the embodiments, the server may obtain basic accident information in the content related to the insurance accident, generate an accident investigation task according to the basic accident information, and send the investigation task to the investigation terminal corresponding to the surveyor. The survey staff will go to the accident site to conduct an investigation. If there are customers who need to claim compensation, the survey terminal will return the information of the customer to be compensated to the server. The server receives the information of the claims pending customer returned by the survey terminal, and records the claims pending incident corresponding to the content related to the insurance incident according to the information of the claims pending client information.

In one of the embodiments, the server may obtain a picture of the content related to the insurance accident, identify whether there is a human face in the picture, and if so, further identify whether the human face is an insured customer image. If so, the server records, according to the customer's image, the accident to be claimed corresponding to the content related to the insurance accident.

If it is identified that there is a pending claim accident according to the content related to the insurance incident, the server can obtain corresponding customer information according to the pending claim accident, and extract the corresponding policy information from the database based on the customer information. The server generates a claim task based on the policy information and the pending incident, and sends the claim task to the claim terminal. Claims officers provide active claims services to customers based on claims tasks received by claims terminals. This enables customers to enjoy claims services in a timely manner in the event of an insurance accident.

In an embodiment, after performing the big data analysis on various news contents to obtain the content related to the insurance accident, the method further includes: obtaining a picture from the content related to the insurance accident, and identifying the picture; if it is in the picture, If a human face is recognized, it is further recognized whether the human face is an insured customer image; if it is, a pending accident corresponding to the content related to the insurance accident is recorded.

In this embodiment, the server may obtain the basic accident information in the content related to the insurance accident according to the result of the big data analysis. The basic information of the accident includes the time of the accident, the location of the accident, and the type of the accident. The server can generate the accident investigation task according to the basic information of the accident, and send the investigation task to the investigation terminal corresponding to the investigation personnel. The server can obtain the surveyor's identification within the corresponding area according to the location of the accident, and query the surveyor's identification familiar with the type of accident based on the surveyor's identification and the type of the accident. The server sends the survey task to the survey terminal corresponding to the surveyor's identification. As a result, survey personnel familiar with the type of accident can conduct surveys in a timely manner in order to identify whether there are customers in this accident that need to be compensated. If there are customers who need to settle claims, the surveyor enters the information of the client to be settled through the survey terminal, and the survey terminal uploads the information of the client to be settled to the server. After the server receives the information of the claiming customer, it obtains the corresponding policy information according to the information of the claiming customer. Policy information includes policy status and corresponding claims terms. If the policy status is valid and the insured event complies with the provisions of the claims clause, the server records the pending incident corresponding to the content related to the insured event. This can accurately identify the pending claims. Because an insured accident may involve at least one customer to be settled, by assigning survey tasks to surveyors, they can accurately identify each customer who needs compensation. In this way, we can provide timely and effective claims services for every customer who encounters an insured accident. When a claimant provides a claim service on his own initiative, he can quickly and accurately calculate the fixed loss cost corresponding to a personal injury claim in the manner provided in the above embodiment. This can effectively improve claims efficiency.

In an embodiment, as shown in FIG. 3, a device for calculating a personal injury claim compensation cost is provided, which includes a receiving module 302, a calling module 304, and a measuring module 306, wherein:

The receiving module 302 is configured to receive a personal injury and loss determination request sent by the terminal, and the personal injury and loss determination request carries the injured person information.

The calling module 304 is used to call the human injury and damage damage model according to the damage request.

A measurement module 306 is used for inputting the injured person's information into the personal injury and damage damage model, and calculating the fixed damage time corresponding to multiple fixed damage projects through the human damage and fixed damage model; Corresponding fixed damage costs for personal injury claims.

In one embodiment, the human injury determination model includes: F = f (x, y, z, k, g); where F is the length of the fixed loss corresponding to the fixed loss item; x, y, z, k And g are factor fields, where x is the diagnostic code; y is the type of surgery; z is the age range; k is the area; g is the gender.

In one of the embodiments, the device further includes: an optimization module 308 for obtaining historical human injury and loss determination data within a preset time period; the historical human injury and loss determination data includes multiple factor fields; the logarithmic factor field The corresponding historical human injury and damage loss data is clustered to obtain clustering results corresponding to multiple factor fields. The clustering result is used to optimize the human injury and damage loss model.

In an embodiment, as shown in FIG. 4, the device further includes: a content collection module 310, a content analysis module 312, and a claims module 314, of which:

The content collection module 310 is configured to capture news content on multiple websites.

The content analysis module 312 is configured to analyze a large amount of news content to obtain content related to insurance accidents.

A claim module 314 is used to generate a claim task according to the claim related accident if it is identified based on the content related to the insured accident, and send the claim task to the claim terminal so that the claim terminal generates a person when processing the claim Damage damage request.

In one of the embodiments, the device further includes: a survey module 316 for generating an accident survey task according to the content related to the insurance accident, and sending the accident survey task to the survey terminal; receiving the survey information returned by the survey terminal; The information includes customer information, and records the claims pending corresponding to the content related to the insurance accident.

In an embodiment, a server is provided. As shown in FIG. 5, the server includes a processor connected through a system bus, a memory, a computer program stored on the memory and running on the processor, and a network. Road interface, etc. Among them, the processor is used to provide computing and control capabilities. Memory provides an environment for running computer programs. The network interface is used to communicate with external survey terminals or claims terminals via a network connection. When the processor executes a computer program, the following steps are performed:

Receiving the personal injury and damage request sent by the terminal, and the personal injury and damage request carries the injured person's information;

According to the fixed damage request, the human damage fixed damage model is called;

Enter the injured person's information into the human injury fixed loss model, and calculate the fixed loss time corresponding to multiple fixed loss projects through the human injury fixed loss model;

Calculate the fixed loss cost corresponding to personal injury claims by using the fixed loss time corresponding to multiple fixed loss projects.

The server can be implemented by an independent server or a server cluster composed of multiple servers. Those skilled in the art can understand that the structure shown in FIG. 5 is only a block diagram of a part of the structure related to the present invention, and does not constitute a limitation on the server to which the present invention is applied. The specific server may include There are more or fewer parts than shown in the figure, or some parts are combined, or have different part configurations.

In an embodiment, the human injury determination model includes: F = f (x, y, z, k, g); where F is a fixed loss duration corresponding to a fixed loss item; x, y, z, k, and g is the factor field, where x is the diagnostic code; y is the type of surgery; z is the age range; k is the region; g is the gender.

In an embodiment, when the processor executes a computer program, the following steps are further implemented:

Obtain historical personal injury and damage damage data within a preset time period; historical personal injury and damage damage data includes multiple factor fields;

Perform cluster analysis on the historical human injury and damage data corresponding to the factor field to obtain the clustering results corresponding to multiple factor fields;

The clustering results were used to optimize the model of human injury.

In an embodiment, when the processor executes a computer program, the following steps are further implemented:

Crawl news content on multiple websites;

Big data analysis of various news content to get content related to insurance accidents;

If a claim accident is identified based on the content related to the insurance accident, a claim task is generated based on the pending claim accident, and the claim task is sent to the claim terminal, so that the claim terminal generates a personal injury determination request when processing the personal injury claim.

In an embodiment, when the processor executes a computer program, the following steps are further implemented:

Generate accident investigation tasks according to the content related to insurance accidents, and send the accident investigation tasks to the investigation terminal;

Receive survey information returned by survey terminals;

If customer information is included in the survey information, then the pending claims incident corresponding to the content related to the insurance incident is recorded.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

Receiving the personal injury and damage request sent by the terminal, and the personal injury and damage request carries the injured person's information;

According to the fixed damage request, the human damage fixed damage model is called;

Enter the injured person's information into the human injury fixed loss model, and calculate the fixed loss time corresponding to multiple fixed loss projects through the human injury fixed loss model;

Calculate the fixed loss cost corresponding to personal injury claims by using the fixed loss time corresponding to multiple fixed loss projects.

In an embodiment, the human injury determination model includes: F = f (x, y, z, k, g); where F is a fixed loss duration corresponding to a fixed loss item; x, y, z, k, and g is the factor field, where x is the diagnostic code; y is the type of surgery; z is the age range; k is the region; g is the gender.

In an embodiment, when the computer program is executed by the processor, the following steps are also implemented:

Obtain historical personal injury and damage damage data within a preset time period; historical personal injury and damage damage data includes multiple factor fields;

Perform cluster analysis on the historical human injury and damage data corresponding to the factor field to obtain the clustering results corresponding to multiple factor fields;

The clustering results were used to optimize the model of human injury.

In an embodiment, when the computer program is executed by the processor, the following steps are also implemented:

Crawl news content on multiple websites;

Big data analysis of various news content to get content related to insurance accidents;

If a claim accident is identified based on the content related to the insurance accident, a claim task is generated based on the pending claim accident, and the claim task is sent to the claim terminal, so that the claim terminal generates a personal injury determination request when processing the personal injury claim.

In an embodiment, when the computer program is executed by the processor, the following steps are also implemented:

Generate accident investigation tasks according to the content related to insurance accidents, and send the accident investigation tasks to the investigation terminal;

Receive survey information returned by survey terminals;

If customer information is included in the survey information, then the pending claims incident corresponding to the content related to the insurance incident is recorded.

Those of ordinary skill in the technical field of the present invention can understand that all or part of the processes in the implementation method described above can be completed by computer program instructions related hardware, the program can be stored in a non-volatile computer readable storage medium In the execution, the program may include the processes of the implementation methods of the above methods. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or the like.

The technical features of the above embodiments can be arbitrarily combined. In order to make the description concise, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, it should be considered This is the range described in the specification of the present invention.

The above embodiments only express several embodiments of the present invention, and their descriptions are more specific and detailed, but they cannot be construed as limiting the patent scope of the present invention. It should be pointed out that for those of ordinary skill in the art, without departing from the concept of the present invention, several changes and improvements can be made, all of which belong to the protection scope of the present invention. Therefore, the scope of protection of the invention patent shall be subject to the scope of the attached patent application.

102‧‧‧claims terminal

104‧‧‧Server

202‧‧‧step

204‧‧‧step

206‧‧‧step

208‧‧‧step

302‧‧‧Receiving module

304‧‧‧Call module

306‧‧‧Calculation module

308‧‧‧Optimization module

310‧‧‧Content Acquisition Module

312‧‧‧Content Analysis Module

314‧‧‧claims module

316‧‧‧ Survey module

FIG. 1 is a diagram of an application environment of a method for calculating a personal injury claim and fixed loss cost according to an embodiment of the present invention. FIG. 2 is a flowchart of a method for calculating a personal injury and loss compensation cost according to an embodiment of the present invention. FIG. 3 is a structural diagram of a personal injury compensation fixed loss cost calculation device according to an embodiment of the present invention. FIG. 4 is a structural diagram of a personal injury compensation fixed loss cost calculation device according to an embodiment of the present invention. FIG. 5 is a structural diagram of a server according to an embodiment of the present invention.

Claims (8)

A method for calculating the cost of determining personal injury claims includes: grabbing news content on multiple websites; analyzing large amounts of news content to obtain content related to insured accidents; if a content is identified based on the content related to insured accidents; For a claim accident, a claim task is generated according to the pending claim accident, and the claim task is sent to the claim terminal, so that the claim terminal generates a personal injury determination request when processing a personal injury claim; an accident is generated according to the content related to the insurance accident The survey task sends the accident survey task to the survey terminal; receives the survey information returned by the survey terminal; if the survey information includes customer information, records the pending claims accident corresponding to the content related to the insurance accident; receives the person's injury Fixed damage request, the person's injury and damage loss request carries the injured person's information; the personal injury and damage loss model is called according to the personal injury and damage loss request; the injured person's information is input into the personal injury and damage loss model, and calculated through the personal injury and damage loss model Fixed loss time corresponding to multiple fixed loss projects; use the fixed loss time corresponding to multiple fixed loss projects to calculate personal injury claims The cost of the damage. The method for measuring the personal injury and loss compensation costs as described in claim 1, wherein the personal injury and loss compensation model includes: F = f (x, y, z, k, g); where F is the value corresponding to the fixed loss item Damage time; x, y, z, k, and g are factor fields, where x is the diagnostic code; y is the type of surgery; z is the age range; k is the region; g is the gender. The method for measuring the personal injury and loss compensation costs as described in claim 1, wherein the method further comprises: obtaining historical personal injury and loss determination data within a preset time period; the historical personal injury and loss determination data includes multiple factor fields ; Perform cluster analysis on the historical human injury and damage damage data corresponding to the factor field to obtain clustering results corresponding to multiple factor fields; use the clustering result to optimize the human injury and damage loss model. The invention discloses a device for calculating a personal injury and loss compensation cost. The device includes: a content acquisition module for capturing news content on multiple websites; a content analysis module for performing large data analysis on various news content to obtain information related to insurance accidents Contents; a claims module, which is used to identify claims to be claimed based on the content related to the insurance accident, to generate claims tasks based on the claims to be claimed, and send the claims to the claims terminal, so that the claims terminal is processing the When a claim is made for injury, a person's injury and damage determination request is generated; the survey module generates an accident survey task based on the content related to the insurance accident, and sends the accident survey task to the survey terminal; receives the survey information returned by the survey terminal; if the survey information is in the survey information Including customer information, the pending accident corresponding to the content related to the insurance accident is recorded; the receiving module is used to receive the person's injury and damage request, and the person's injury and damage request carries the injured person's information; call the module, use According to the fixed damage request, a personal injury and damage damage model is called; a calculation module is used to input the injured person's information into the personal damage and damage damage model. Calculating a plurality of predetermined time set loss corresponding to loss project through the model to assess the damage or injure a person; predetermined loss time using a plurality of calculating the damage or injure a person corresponding to the project corresponding to the damage cost claims. The personal injury compensation and loss determination device as described in claim 4, wherein the personal injury and loss determination model includes: F = f (x, y, z, k, g); where F is a value corresponding to the fixed loss item Damage time; x, y, z, k, and g are factor fields, where x is the diagnostic code; y is the type of surgery; z is the age range; k is the region; g is the gender. The personal injury compensation and fixed loss cost calculation device according to claim 5, wherein the device further includes: an optimization module for obtaining historical personal injury and fixed damage data within a preset time period; the historical personal injury and fixed damage data Including multiple factor fields; cluster analysis of historical human injury and damage data corresponding to the factor field to obtain clustering results corresponding to multiple factor fields; use the clustering result to perform the human injury and damage loss model optimization. A server includes a memory, a processor, and a computer program stored on the memory and operable on the processor. When the processor executes the program, the human injury claim according to any one of claims 1 to 3 is realized. Steps in the method of measuring the fixed cost. A computer-readable storage medium has stored thereon a computer program that, when executed by a processor, implements the steps of the method for measuring a person's claim for compensation and damage according to any one of claims 1 to 3.