Automatic underwriting method and device for insurance policy and electronic equipment
One or more embodiments of the present specification provide an automatic underwriting method and apparatus for an insurance policy, and an electronic device. The method comprises: generating trainingsample data based on labeled historical insurance policy underwriting data; training a machine learn...
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| creator | TANG HUI ZHANG HONGTAO JU FANG LIU YING WANG DAIZHENG |
| description | One or more embodiments of the present specification provide an automatic underwriting method and apparatus for an insurance policy, and an electronic device. The method comprises: generating trainingsample data based on labeled historical insurance policy underwriting data; training a machine learning model by taking the training sample data as input to obtain an underwriting model; extracting the input features from insurance policy data of an insurance policy to be underwritten; inputting the input features into the underwriting model to obtain a short-term accident probability of the insurance policy; when the short-term accident probability of the insurance policy is greater than or equal to a preset threshold, determining that underwriting of the insurance policy fails; and when theshort-term accident probability of the insurance policy is smaller than the threshold, determining that underwriting of the insurance policy is passed. The method can achieve the timely and accurateprediction of the short-ter |
| format | Patent |
| fullrecord | <record><control><sourceid>epo_EVB</sourceid><recordid>TN_cdi_epo_espacenet_CN112381656A</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><sourcerecordid>CN112381656A</sourcerecordid><originalsourceid>FETCH-epo_espacenet_CN112381656A3</originalsourceid><addsrcrecordid>eNqNjLEKwjAURbM4iPoP8QMcYrG4lqI4OYlrCcmtPkhfYvqi-PcW8QOcLodzuHN1bYrEwQo5XdgjvzIJ8U0PkHv02rLXHk9y0H3Mmngs2fJEKQZy769HgJMcebrAo1AawLJUs96GEavfLtT6eLi0pw1S7DAm68CQrj0bs632pt7VTfVP8wF2mDo-</addsrcrecordid><sourcetype>Open Access Repository</sourcetype><iscdi>true</iscdi><recordtype>patent</recordtype></control><display><type>patent</type><title>Automatic underwriting method and device for insurance policy and electronic equipment</title><source>esp@cenet</source><creator>TANG HUI ; ZHANG HONGTAO ; JU FANG ; LIU YING ; WANG DAIZHENG</creator><creatorcontrib>TANG HUI ; ZHANG HONGTAO ; JU FANG ; LIU YING ; WANG DAIZHENG</creatorcontrib><description>One or more embodiments of the present specification provide an automatic underwriting method and apparatus for an insurance policy, and an electronic device. The method comprises: generating trainingsample data based on labeled historical insurance policy underwriting data; training a machine learning model by taking the training sample data as input to obtain an underwriting model; extracting the input features from insurance policy data of an insurance policy to be underwritten; inputting the input features into the underwriting model to obtain a short-term accident probability of the insurance policy; when the short-term accident probability of the insurance policy is greater than or equal to a preset threshold, determining that underwriting of the insurance policy fails; and when theshort-term accident probability of the insurance policy is smaller than the threshold, determining that underwriting of the insurance policy is passed. The method can achieve the timely and accurateprediction of the short-ter</description><language>chi ; eng</language><subject>CALCULATING ; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS ; 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</subject><creationdate>2021</creationdate><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20210219&DB=EPODOC&CC=CN&NR=112381656A$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,776,881,25542,76289</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20210219&DB=EPODOC&CC=CN&NR=112381656A$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>TANG HUI</creatorcontrib><creatorcontrib>ZHANG HONGTAO</creatorcontrib><creatorcontrib>JU FANG</creatorcontrib><creatorcontrib>LIU YING</creatorcontrib><creatorcontrib>WANG DAIZHENG</creatorcontrib><title>Automatic underwriting method and device for insurance policy and electronic equipment</title><description>One or more embodiments of the present specification provide an automatic underwriting method and apparatus for an insurance policy, and an electronic device. The method comprises: generating trainingsample data based on labeled historical insurance policy underwriting data; training a machine learning model by taking the training sample data as input to obtain an underwriting model; extracting the input features from insurance policy data of an insurance policy to be underwritten; inputting the input features into the underwriting model to obtain a short-term accident probability of the insurance policy; when the short-term accident probability of the insurance policy is greater than or equal to a preset threshold, determining that underwriting of the insurance policy fails; and when theshort-term accident probability of the insurance policy is smaller than the threshold, determining that underwriting of the insurance policy is passed. The method can achieve the timely and accurateprediction of the short-ter</description><subject>CALCULATING</subject><subject>COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2021</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNqNjLEKwjAURbM4iPoP8QMcYrG4lqI4OYlrCcmtPkhfYvqi-PcW8QOcLodzuHN1bYrEwQo5XdgjvzIJ8U0PkHv02rLXHk9y0H3Mmngs2fJEKQZy769HgJMcebrAo1AawLJUs96GEavfLtT6eLi0pw1S7DAm68CQrj0bs632pt7VTfVP8wF2mDo-</recordid><startdate>20210219</startdate><enddate>20210219</enddate><creator>TANG HUI</creator><creator>ZHANG HONGTAO</creator><creator>JU FANG</creator><creator>LIU YING</creator><creator>WANG DAIZHENG</creator><scope>EVB</scope></search><sort><creationdate>20210219</creationdate><title>Automatic underwriting method and device for insurance policy and electronic equipment</title><author>TANG HUI ; ZHANG HONGTAO ; JU FANG ; LIU YING ; WANG DAIZHENG</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_CN112381656A3</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>chi ; eng</language><creationdate>2021</creationdate><topic>CALCULATING</topic><topic>COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>TANG HUI</creatorcontrib><creatorcontrib>ZHANG HONGTAO</creatorcontrib><creatorcontrib>JU FANG</creatorcontrib><creatorcontrib>LIU YING</creatorcontrib><creatorcontrib>WANG DAIZHENG</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>TANG HUI</au><au>ZHANG HONGTAO</au><au>JU FANG</au><au>LIU YING</au><au>WANG DAIZHENG</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>Automatic underwriting method and device for insurance policy and electronic equipment</title><date>2021-02-19</date><risdate>2021</risdate><abstract>One or more embodiments of the present specification provide an automatic underwriting method and apparatus for an insurance policy, and an electronic device. The method comprises: generating trainingsample data based on labeled historical insurance policy underwriting data; training a machine learning model by taking the training sample data as input to obtain an underwriting model; extracting the input features from insurance policy data of an insurance policy to be underwritten; inputting the input features into the underwriting model to obtain a short-term accident probability of the insurance policy; when the short-term accident probability of the insurance policy is greater than or equal to a preset threshold, determining that underwriting of the insurance policy fails; and when theshort-term accident probability of the insurance policy is smaller than the threshold, determining that underwriting of the insurance policy is passed. The method can achieve the timely and accurateprediction of the short-ter</abstract><oa>free_for_read</oa></addata></record> |
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| subjects | CALCULATING COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS 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 |
| title | Automatic underwriting method and device for insurance policy and electronic equipment |
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