Car insurance claim settlement risk identification method, device and equipment and storage medium

• Main Author: CHEN YIYU
• Format: Patent
• Language: Chinese; English
• Published: 24.10.2023
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention provides a vehicle insurance claim risk identification method and device, equipment and a storage medium, and belongs to the field of finance, and the method comprises the steps: obtaining insurance policy data corresponding to vehicle insurance claim, operating a preset first claim identification model to carry out the claim identification processing of the insurance policy data, and obtaining a first claim risk index; operating a preset second claim identification model to perform claim identification processing on the insurance policy data to obtain a second claim risk index; fusing the first claim risk index and the second claim risk index to generate a third claim risk index; and operating a preset third claim identification model to perform claim identification processing on the third claim risk index to obtain a target claim risk index. According to the scheme, the occurrence of insurance fraud events can be effectively avoided through the target claim settlement risk index, and the stabi