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1. (CN106600419) Method and device for underwriting on public liability insurance policy

Organismo : China
Número do pedido: 201610998922.5 Data do pedido: 09.11.2016
Número de publicação: 106600419 Data de publicação: 26.04.2017
Tipo de publicação : A
CIP:
G06Q 40/08
G FÍSICA
06
CÔMPUTO; CÁLCULO; CONTAGEM
Q
SISTEMAS OU MÉTODOS DE PROCESSAMENTO DE DADOS, ESPECIALMENTE ADAPTADOS PARA PROPÓSITOS ADMINISTRATIVOS, COMERCIAIS, FINANCEIROS, DE GERENCIAMENTO, SUPERVISÃO OU PREDIÇÃO; SISTEMAS OU MÉTODOS ESPECIALMENTE ADAPTADOS PARA PROPÓSITOS ADMINISTRATIVOS, COMERCIAIS, FINANCEIROS, DE GERENCIAMENTO, SUPERVISÃO OU PREDIÇÃO, NÃO INCLUÍDOS EM OUTRO LOCAL
40
Finanças; Seguros; Estratégias de impostos; Processamento de impostos corporativos ou de renda
08
Seguros, p. ex. análise de risco ou pensões
Requerentes: QIANHAI QIBAO TECHNOLOGY (SHENZHEN) CO., LTD.
Inventores: PANG WENJUN
YANG MENG
Dados da prioridade:
Título: (EN) Method and device for underwriting on public liability insurance policy
(ZH) 一种公众责任险保单的核保方法和装置
Resumo: front page image
(EN) The embodiment of the invention discloses a method of underwriting on a public liability insurance policy, so as to solve the problems that the existing public liability insurance policy is subjected to artificial underwriting by an underwriting person, the underwriting accuracy is influenced by the professional level and the experience of the underwriting person and the underwriting efficiency is hard to improve. The method of the embodiment of the invention comprises steps: a target public liability insurance policy and target bidder information are acquired; according to the information of the risk index of the target public liability insurance policy and the policy holder information, a first underwriting factor of the risk index is calculated; vector extraction is carried out on the risk index information and the target bidder information according to a preset vector model, and a second underwriting factor of the risk index is obtained; the first underwriting factor and the second underwriting factor serve as input to be inputted to a deep learning model well trained in advance; and output of the deep learning model is acquired as the underwriting result of the target public liability insurance policy. The embodiment of the invention discloses a device for underwriting on the public liability insurance policy.
(ZH) 本发明实施例公开了一种公众责任险保单的核保方法,用于解决现有公众责任险保单通过核保人员进行人工核保,核保准确率受到核保人员的专业水平以及从业经验的影响以及难以提高核保效率的问题。本发明实施例方法包括:获取目标公众责任险保单以及目标报价人信息;根据目标公众责任险保单的风险标的信息和投保人信息计算风险标的第一核保因子;按照预设的向量模型对风险标的信息和目标报价人信息进行向量提取,得到风险标的第二核保因子;将所述第一核保因子和所述第二核保因子作为输入投入至预先训练好的深度学习模型;获取所述深度学习模型的输出作为所述目标公众责任险保单的核保结果。本发明实施例还提供一种公众责任险保单的核保装置。