The invention discloses an automobile insurance claim settlement fraud risk identification method and system based on geographic big data, and the method comprises the steps: based on the geographic positions of an automobile insurance accident site and an automobile maintenance point, combining with an electronic map, traffic monitoring camera data, mobile communication signaling data and other data, and employing the geographic big data and a machine learning algorithm technology to identify the fraud risk of automobile insurance claim settlement. And mining a high-fraud risk accident area and an associated fraud group. According to the invention, the output result can be provided for insurance anti-fraud service discrimination personnel as reference, and can also be output to an anti-fraud rule system or an anti-fraud model as a factor feature for use, so that the recall rate and the accuracy of a vehicle insurance anti-fraud system are improved.

    本发明公开一种基于地理大数据的车险理赔欺诈风险识别方法及系统,基于车险事故地点、汽车维修点的地理位置,结合电子地图、交通监控摄像数据、移动通信信令数据等各数据,利用地理大数据和机器学习算法技术,挖掘高欺诈风险事故区域和关联欺诈团伙。本发明输出的结果可以提供给保险反欺诈业务判别人员做参考,也可输出至反欺诈规则系统或反欺诈模型作为因子特征来使用,提升车险反欺诈系统的召回率和准确率。


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    Titel :

    Vehicle insurance claim settlement fraud risk identification method and system based on geographic big data


    Weitere Titelangaben:

    一种基于地理大数据的车险理赔欺诈风险识别方法及系统


    Beteiligte:
    YANG YAO (Autor:in) / NA CHONGNING (Autor:in)

    Erscheinungsdatum :

    28.06.2022


    Medientyp :

    Patent


    Format :

    Elektronische Ressource


    Sprache :

    Chinesisch


    Klassifikation :

    IPC:    G06N COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS , Rechnersysteme, basierend auf spezifischen Rechenmodellen / G06Q Datenverarbeitungssysteme oder -verfahren, besonders angepasst an verwaltungstechnische, geschäftliche, finanzielle oder betriebswirtschaftliche Zwecke, sowie an geschäftsbezogene Überwachungs- oder Voraussagezwecke , DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES / G08G Anlagen zur Steuerung, Regelung oder Überwachung des Verkehrs , TRAFFIC CONTROL SYSTEMS / G06F ELECTRIC DIGITAL DATA PROCESSING , Elektrische digitale Datenverarbeitung



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