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CN108846766A - The self-service Claims Resolution success rate prediction technique of vehicle insurance based on deep learning - Google Patents

The self-service Claims Resolution success rate prediction technique of vehicle insurance based on deep learning Download PDF

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CN108846766A
CN108846766A CN201810658529.0A CN201810658529A CN108846766A CN 108846766 A CN108846766 A CN 108846766A CN 201810658529 A CN201810658529 A CN 201810658529A CN 108846766 A CN108846766 A CN 108846766A
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data
hidden layer
user
weighting parameter
deep learning
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邢怀球
王飞
王瑶
浦海斌
吴志健
薛皎
计玉芳
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JIANGSU HANDKOO DIGITAL TECHNOLOGY Co Ltd
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JIANGSU HANDKOO DIGITAL TECHNOLOGY Co Ltd
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Abstract

The present invention relates to a kind of self-service Claims Resolution success rate prediction techniques of vehicle insurance based on deep learning, belong to big data analysis electric powder prediction, this method comprises the following steps:S1:Based on insurance company's user's end subscriber, user data required for structuring user's are drawn a portrait is obtained;S2:Data processing is carried out to acquired user data;S3:Characterization factor extraction is carried out to the user data after processing;S4:The prediction model based on deep learning algorithm is established to predict Claims Resolution success rate.On-line off-line data of the method for the present invention based on user's magnanimity build prediction model using deep learning method, and user's portrait is applied to settle a claim in self-service success rate prediction.Claims Resolution service is provided for insurance company's personalization and provides condition, saves artificial, raising working efficiency and user experience.

Description

The self-service Claims Resolution success rate prediction technique of vehicle insurance based on deep learning
Technical field
The invention belongs to big data analysis electric powder prediction, be related to a kind of self-service Claims Resolution of the vehicle insurance based on deep learning at Power forecasting method.
Background technique
With the development of the times, insurance service turns to centered on consumer from product-centered.And by mutual The high speed development of networking, more and more users' data have been recorded, and a large amount of on-line off-line data are numerous and complicated application Bring possibility.Insurance company is product searching target user and is that user's customed product service also becomes a reality.
For subsidiary company strategic level, user's portrait can help enterprise's progress market to see clearly, estimate market scale, thus Auxiliary formulates phased goal, instructs very important decision, promotes ROI, avoids homogeneity, carries out personal marketing;From product itself For angle, user's portrait can carry out crowd's subdivision around product, the core crowd of product be determined, to aid in determining whether to produce Product positioning, optimizes the function point of product;For data management angle, user's portrait helps to establish data assets, excavates number According to value, keep data analysis more accurate, it might even be possible to carry out data trade, promote data circulation.The product of insurance industry As a long period product, the conversion ratio that Insurance User buys insurance products again is improved, is that insurance company manages old use One vital task at family.
Summary of the invention
In view of this, the purpose of the present invention is to provide a kind of self-service Claims Resolution success rate predictions of vehicle insurance based on deep learning Method, the on-line off-line data based on user's magnanimity build prediction model using deep learning method, and user's portrait is applied to It settles a claim in self-service success rate prediction.Claims Resolution service is provided for insurance company's personalization and provides condition, saves artificial, raising work Efficiency and user experience.
In order to achieve the above objectives, the present invention provides the following technical solutions:
The self-service Claims Resolution success rate prediction technique of vehicle insurance based on deep learning, this method comprise the following steps:
S1:Based on insurance company's user's end subscriber, user data required for structuring user's are drawn a portrait is obtained;
S2:Data processing is carried out to acquired user data;
S3:Characterization factor extraction is carried out to the user data after processing;
S4:The prediction model based on deep learning algorithm is established to predict Claims Resolution success rate.
Further, user data described in step S1 includes static data, dynamic data and auxiliary data;
The static data be to the relevant personage's fixed data of Claims Resolution product, photo, name, age, occupation comprising user, Hobby;
The dynamic data is the usage scenario data of Claims Resolution product;
The auxiliary data is industry experience data.
Further, step S2 is specifically included the following steps:
S21:Source data collection is carried out to the user data;
S22:Integrality processing is carried out to the initial data being collected into, corrects the incomplete property data of initial data;
S23:Uniqueness processing is carried out to integrality treated data, eliminates redundant digit present in data after integrality processing According to;
S24:Authoritative processing is carried out to uniqueness treated data, the different numbers of identical parameters in unified multi-source data Value;
S25:Treated that data carry out legitimacy processing to authoritative, casts out the data for obviously not meeting common sense;
S26:Consistency treatment is carried out to legitimacy treated data, integrates substantially identical data.
Further, in step S3, the characterization factor includes:Driver information, information of vehicles, temporal information, address letter Breath, event information and the fraud factor.
Further, the processing step of the address information is as follows:
S31:The word that address information is last is taken, a kind of address characteristic information is obtained;
S32:Two words that address information is last are taken, two class address characteristic informations are obtained;
S33:Three words that address information is last are taken, three classes address characteristic information is obtained;
S34:By the address characteristic information of above three type according to three classes address characteristic information, two class address characteristic informations, one The sequence of class address characteristic information matches address information, using the data after matching as effective address information;
S35:According to above-mentioned effective address data, it is in danger characteristic in conjunction with social experience and vehicle insurance, according to the period according to population and vehicle Congestion level classify to effective address information.
Further, deep learning algorithm described in step S4 is based on deep neural network, and the deep neural network includes The input layer successively connected entirely, hidden layer and output layer;
Step S4 is specifically included the following steps:
S41:Data comprising user tag are divided into training setAnd test set, and choose a training setIt is trained, the optimization weighting parameter of acquisition input layer to the first hidden layer,
S42:By training setThe first hidden layer is propagated through forward obtains fisrt feature, and as input The second hidden layer of training, obtains the optimization weighting parameter of the first hidden layer to the second hidden layer,
S43:By fisrt featureThe second hidden layer is propagated through forward obtains second feature, and with this To input training third hidden layer, the optimization weighting parameter of the second hidden layer of acquisition to third hidden layer,
S44:Second feature is propagated through forward to third hidden layer and obtains second feature, and instructed as input Practice output layer, obtains optimization output weighting parameter
S45:By the optimization weighting parameter of input layer to the first hidden layer,, optimization of first hidden layer to the second hidden layer Weighting parameter,, the optimization weighting parameter of the second hidden layer to third hidden layer,And optimization output weighting parameterMake For initiation parameter, by training setAs input, the cost function and ladder of whole network are provided according to back-propagating principle Degree, adjusts weight parameter in known prediction label, obtains the input layer of optimization to the weighting parameter of the first hidden layer,, the weighting parameter of the first hidden layer to the second hidden layer of optimization,, the of optimization Weighting parameter of two hidden layers to third hidden layer,And the output weighting parameter optimized
S46:By adjusting good weighting parameter deep neural network to test setIt is predicted, it is accurate to calculate prediction Rate executes S45 and readjusts weighting parameter if predictablity rate is unsatisfactory for design requirement, if predictablity rate meets design The deep neural network is then used for actual prediction by demand.
The beneficial effects of the present invention are:The present invention is based on the on-line off-line data of user's magnanimity, using deep learning side Method builds prediction model, and customer portrait is applied to settle a claim in self-service success rate prediction.Self-service success interest rate of settling a claim is to user Whether can complete independently mobile phone it is self-service Claims Resolution make prediction, self-service user can be completed by show for customer portrait, insurance public affairs Self-service Claims Resolution method is recommended first by department, and to the client that cannot complete self-service Claims Resolution, then exempt to recommend self-service Claims Resolution mode.For insurance Company's personalization provides Claims Resolution service and provides condition, saves artificial, raising working efficiency and user experience.
Detailed description of the invention
In order to keep the purpose of the present invention, technical scheme and beneficial effects clearer, the present invention provides following attached drawing and carries out Explanation:
Fig. 1 is the method for the present invention flow chart;
Fig. 2 is neural network structure figure of the present invention;
Fig. 3 is prediction result schematic diagram of the present invention.
Specific embodiment
Below in conjunction with attached drawing, a preferred embodiment of the present invention will be described in detail.
As shown in Figure 1, the present invention is a kind of self-service Claims Resolution success rate prediction technique of vehicle insurance based on deep learning, it is specific to wrap Containing following steps:
Step 1:Based on insurance company's user's end subscriber, user data required for structuring user's are drawn a portrait is obtained;
Step 2:Data processing is carried out to acquired user data;
Step 3:Characterization factor extraction is carried out to the user data after processing
Step 4:The prediction model based on deep learning algorithm is established to predict Claims Resolution success rate.
Wherein in step 1, the source of user data required for obtaining
For car owner crowd, the insurance company client for using insurance company's vehicle insurance Claims Resolution App, the data of structuring user's portrait needs Composition includes static data, dynamic data and auxiliary data.
Static data(Essential attribute/fixed data):The people relevant with product such as photo, name, age, occupation, hobby Object attribute, static data are accepted insurance from insurance company and are obtained in data;
Dynamic data(Usage scenario data):Specific vehicle is in danger situation, and dynamic data is obtained from insurance company's vehicle insurance data ?;
Auxiliary data(Industry experience data):For derived data, obtained according to industry experience.
Static data will enrich in product systems, transaction system and the CRM system inside insurance company Data concentrated, build data warehouse, excavate introduce the factor.Such as car owner's gender, car owner's age, car owner's occupation, vehicle Vehicle age, car owner's driving age etc..Dynamic data is also settled a claim comprising user in insurance company's vehicle insurance other than the data of being in danger comprising vehicle The history click data of App.
Auxiliary data, that is, artificial investigational data acquisition, by the empirical data obtained to industry observational study, for example infers The risk of fraud time of acquisition, the time difference etc. that accident occurs and reports a case to the security authorities.
Step 2 data processing specifically includes the following steps:
2.1:Source data collection is carried out to the user data;
2.2:Integrality processing is carried out to the initial data being collected into, corrects the incomplete property data of initial data;
2.3:Uniqueness processing is carried out to integrality treated data, eliminates redundant digit present in data after integrality processing According to;
2.4:Authoritative processing is carried out to uniqueness treated data, the different numbers of identical parameters in unified multi-source data Value;
2.5:Treated that data carry out legitimacy processing to authoritative, casts out the data for obviously not meeting common sense;
2.6:Consistency treatment is carried out to legitimacy treated data, integrates substantially identical data.
The accurate data further to be standardized.
Step 3, characterization factor acquisition include:
Data handling procedure more than, from the n item attribute of initial data, direct or indirect is obtained greater than n features The factor.Including:
1) driver information;
2) information of vehicles;
3) temporal information;
4) address information;
5) event information;
6) factor etc. is cheated.
Address information therein is because its data volume is huge, the diversity of text feature and the person's of surveying input habit, so that right The classified use of address information is especially difficult, in the market there is no ready-made, an effective literal address classification method, For this problem, the present invention also proposes a kind of address processing method, and specific step is as follows:
(1)Firstly, take address information the last character, obtain it is preliminary, including garden, road, street, county, the village, town, gulf, port, hilllock, Bridge, village, seat, group, number, building, stand, stockaded village, residence, the feature including the lists such as institute (comprising 105 features in the embodiment of the present invention);
(2)Secondly, take address information most latter two word, obtain it is preliminary, including area of race, master station, army unit, head factory, in one, two In, in three, backyard, number institute, home, garden, Hua Yuan, bold and unconstrained garden, orchard, park, unit, apartment, prison, left and right, middle school etc. pair Feature (including 53 features in the embodiment of the present invention) including word;
(3)Again, last three words of address information are taken, obtain three preliminary word features, including gas station, gas station, gas station, Feature (including 8 features in the embodiment of the present invention) including three word such as bus station, charge station, kindergarten, university city.
(4)Then, address information is matched according to the sequence of three words, two words, a words, the number that will be filtered out According to as valid data;
(5)It is in danger characteristic in conjunction with practical social experience and vehicle insurance, address information is divided into specific category by the embodiment of the present invention, is wrapped It includes:It is a kind of:People Duo Che is also more, and people Bi Che is more, whole day crowded section of highway;
Two classes:People Duo Che is also more, peak period congestion on and off duty, other periods people's Multiple Sections;
Three classes:People Duo Che is also more, and speed is slower, peak congested link on and off duty;
Etc..
Step 4:It is established based on deep learning algorithm model
Deep neural network(Deep Neural Networks, hereinafter referred to as DNN)It is the basis of deep learning, inside DNN Neural net layer can be divided into three classes, input layer, and hidden layer and output layer, in general first layer are input layer, the last layer It is output layer, and the intermediate number of plies is all hidden layer, is connected entirely between layers, that is to say, that theiAny one of layer Neuron is centainly connected with layer any one neuron, as shown in Figure 2.
4.1:Data comprising user tag are divided into training setAnd test set, and choose a training setIt is trained, the optimization weighting parameter of acquisition input layer to the first hidden layer,
4.2:By training setThe first hidden layer is propagated through forward obtains fisrt feature, and as The second hidden layer of training is inputted, the optimization weighting parameter of the first hidden layer to the second hidden layer is obtained,
4.3:By fisrt featureThe second hidden layer is propagated through forward obtains second feature, and with This trains third hidden layer to input, the optimization weighting parameter of the second hidden layer of acquisition to third hidden layer,
4.4:By second featureThird hidden layer is propagated through forward obtains second feature, and with This obtains optimization output weighting parameter to input training output layer
4.5:By the optimization weighting parameter of input layer to the first hidden layer,, the first hidden layer to the second hidden layer Optimize weighting parameter,, the optimization weighting parameter of the second hidden layer to third hidden layer,And optimization output weight ParameterAs initiation parameter, by training setAs input, the cost of whole network is provided according to back-propagating principle Function and gradient adjust weight parameter in known prediction label, obtain the input layer of optimization to the first hidden layer Weighting parameter,, the weighting parameter of the first hidden layer to the second hidden layer of optimization,, most Weighting parameter of second hidden layer of optimization to third hidden layer,And the output weighting parameter optimized
4.6:By adjusting good weighting parameter deep neural network to test setIt is predicted, it is quasi- to calculate prediction True rate executes S45 and readjusts weighting parameter if predictablity rate is unsatisfactory for design requirement, if predictablity rate satisfaction is set The deep neural network is then used for actual prediction by meter demand.
Fig. 3 is the specific prediction result schematic diagram of the embodiment of the present invention, as shown in figure 3, pressing on interface comprising single prediction Button, batch forecast button and clear history record button.
If single is predicted, needs to fill in input data, click start button after the completion of input, provide predicted value.
If it is batch forecast, then excel file can be loaded into read data in batches, and write in the next column of former data Enter predicted value, it can be with preview file data below interface after select file.
Close button is clicked after prediction, will pop up the name element that dialog box saves this time batch storage.
Finally, it is stated that preferred embodiment above is only to illustrate the technical solution of invention rather than limits, although passing through Above preferred embodiment is described in detail the present invention, however, those skilled in the art should understand that, can be in shape Various changes are made in formula and to it in details, without departing from claims of the present invention limited range.

Claims (6)

1. the self-service Claims Resolution success rate prediction technique of the vehicle insurance based on deep learning, it is characterised in that:This method comprises the following steps:
S1:Based on insurance company's user's end subscriber, user data required for structuring user's are drawn a portrait is obtained;
S2:Data processing is carried out to acquired user data;
S3:Characterization factor extraction is carried out to the user data after processing;
S4:The prediction model based on deep learning algorithm is established to predict Claims Resolution success rate.
2. the self-service Claims Resolution success rate prediction technique of the vehicle insurance based on deep learning according to claim 1, it is characterised in that: User data described in step S1 includes static data, dynamic data and auxiliary data;
The static data is personage's fixed data relevant to Claims Resolution product;
The dynamic data is the usage scenario data of Claims Resolution product;
The auxiliary data is industry experience data.
3. the self-service Claims Resolution success rate prediction technique of the vehicle insurance based on deep learning according to claim 2, it is characterised in that: Step S2 is specifically included the following steps:
S21:Source data collection is carried out to the user data;
S22:Integrality processing is carried out to the initial data being collected into, corrects the incomplete property data of initial data;
S23:Uniqueness processing is carried out to integrality treated data, eliminates redundant digit present in data after integrality processing According to;
S24:Authoritative processing is carried out to uniqueness treated data, the different numbers of identical index in unified multi-source data Value;
S25:Treated that data carry out legitimacy processing to authoritative, casts out the data for obviously not meeting common sense;
S26:Consistency treatment is carried out to legitimacy treated data, integrates substantially identical data.
4. the self-service Claims Resolution success rate prediction technique of the vehicle insurance based on deep learning according to claim 3, it is characterised in that: In step S3, the characterization factor includes:Driver information, information of vehicles, temporal information, address information and are taken advantage of at event information Cheat the factor.
5. the self-service Claims Resolution success rate prediction technique of the vehicle insurance based on deep learning according to claim 4, it is characterised in that: The classifying step of the address information is as follows:
S31:The word that address information is last is taken, a kind of address characteristic information is obtained;
S32:Two words that address information is last are taken, two class address characteristic informations are obtained;
S33:Three words that address information is last are taken, three classes address characteristic information is obtained;
S34:By the address characteristic information of above three type according to three classes address characteristic information, two class address characteristic informations, one The sequence of class address characteristic information matches address information, using the data after matching as effective address information;
S35:According to above-mentioned effective address data, it is in danger characteristic in conjunction with social experience and vehicle insurance, according to the period according to population and vehicle Congestion level classify to effective address information.
6. the self-service Claims Resolution success rate prediction technique of the vehicle insurance based on deep learning according to claim 3, it is characterised in that: Deep learning algorithm described in step S4 is based on deep neural network, and the deep neural network includes the input successively connected entirely Layer, hidden layer and output layer;
Step S4 is specifically included the following steps:
S41:Data comprising user tag are divided into training setAnd test set, and choose a training set It is trained, the optimization weighting parameter of acquisition input layer to the first hidden layer,
S42:By training setThe first hidden layer is propagated through forward obtains fisrt feature, and as input The second hidden layer of training, obtains the optimization weighting parameter of the first hidden layer to the second hidden layer,
S43:By fisrt featureThe second hidden layer is propagated through forward obtains second feature, and as It inputs and trains third hidden layer, the optimization weighting parameter of the second hidden layer of acquisition to third hidden layer,
S44:By second featureThird hidden layer is propagated through forward obtains second feature, and as Training output layer is inputted, optimization output weighting parameter is obtained
S45:By the optimization weighting parameter of input layer to the first hidden layer,, optimization of first hidden layer to the second hidden layer Weighting parameter,, the optimization weighting parameter of the second hidden layer to third hidden layer,And optimization output weighting parameter As initiation parameter, by training setAs input, according to back-propagating principle provide the cost function of whole network with Gradient adjusts weight parameter in known prediction label, and the weight for obtaining input layer to the first hidden layer of optimization is joined Number,, the weighting parameter of the first hidden layer to the second hidden layer of optimization,, optimization Weighting parameter of second hidden layer to third hidden layer,And the output weighting parameter optimized
S46:By adjusting good weighting parameter deep neural network to test setIt is predicted, it is accurate to calculate prediction Rate executes S45 and readjusts weighting parameter if predictablity rate is unsatisfactory for design requirement, if predictablity rate meets design The deep neural network is then used for actual prediction by demand.
CN201810658529.0A 2018-06-25 2018-06-25 The self-service Claims Resolution success rate prediction technique of vehicle insurance based on deep learning Pending CN108846766A (en)

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Cited By (3)

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CN111861765A (en) * 2020-07-29 2020-10-30 贵州力创科技发展有限公司 Intelligent anti-fraud method for vehicle insurance claim settlement
JP2021026384A (en) * 2019-08-01 2021-02-22 ジャパンモード株式会社 Personal property insurance proposal program and personal property insurance condition inclusion possibility determination program
CN116342300A (en) * 2023-05-26 2023-06-27 凯泰铭科技(北京)有限公司 Method, device and equipment for analyzing characteristics of insurance claim settlement personnel

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CN107464186A (en) * 2017-08-04 2017-12-12 缪骁 Claims Resolution pattern based on vehicle insurance customer portrait recommends method
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CN108153879A (en) * 2017-12-26 2018-06-12 爱因互动科技发展(北京)有限公司 The method and device of recommendation information is provided a user by human-computer interaction

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CN106780052A (en) * 2017-01-10 2017-05-31 上海诺悦智能科技有限公司 Method and system are recommended in insurance service based on classification customer behavior analysis
CN107610091A (en) * 2017-07-31 2018-01-19 阿里巴巴集团控股有限公司 Vehicle insurance image processing method, device, server and system
CN107464186A (en) * 2017-08-04 2017-12-12 缪骁 Claims Resolution pattern based on vehicle insurance customer portrait recommends method
CN108153879A (en) * 2017-12-26 2018-06-12 爱因互动科技发展(北京)有限公司 The method and device of recommendation information is provided a user by human-computer interaction

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2021026384A (en) * 2019-08-01 2021-02-22 ジャパンモード株式会社 Personal property insurance proposal program and personal property insurance condition inclusion possibility determination program
CN111861765A (en) * 2020-07-29 2020-10-30 贵州力创科技发展有限公司 Intelligent anti-fraud method for vehicle insurance claim settlement
CN116342300A (en) * 2023-05-26 2023-06-27 凯泰铭科技(北京)有限公司 Method, device and equipment for analyzing characteristics of insurance claim settlement personnel

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Application publication date: 20181120