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CN-121998776-A - Data processing method, device, equipment and medium of insurance intelligent agent

CN121998776ACN 121998776 ACN121998776 ACN 121998776ACN-121998776-A

Abstract

The invention discloses a data processing method, a device, equipment and a medium of an insurance agent, which are applied to an insurance service platform and comprise a management agent, an analysis agent and an adjustment agent, wherein based on the management agent, client information, historical insurance application data and inherent risk data are sent to the analysis agent, historical claim settlement data are sent to the adjustment agent, the analysis agent is used for carrying out risk analysis on clients, obtaining a target analysis result, generating an initial policy and sending the initial policy to an adjustment agent according to the target analysis result, adjusting the initial policy by using the adjustment agent to obtain an adjusted policy, checking the adjusted policy by using a management agent to obtain a checking result, and executing the step of using the analysis agent until the preset condition is met if the preset condition is not met to obtain the target policy. The invention can be applied to the field of financial science and technology, and improves the reliability of policy generation while improving the policy generation efficiency.

Inventors

  • HU XIAOYUE

Assignees

  • 中国平安财产保险股份有限公司

Dates

Publication Date
20260508
Application Date
20260115

Claims (10)

  1. 1. A data processing method of an insurance agent, wherein the data processing method is applied to an insurance service platform, the insurance service platform including a management agent, an analysis agent, and an adjustment agent, the data processing method comprising: based on the management agent, acquiring client information, historical application data, inherent risk data and historical claim settlement data of a client to be analyzed, transmitting the client information, the historical application data and the inherent risk data to the analysis agent, and transmitting the historical claim settlement data to the adjustment agent; Using the analysis agent to perform risk analysis on the client according to the client information, the historical application data and the inherent risk data to obtain a target analysis result, generating an initial policy for the client according to the target analysis result, and sending the initial policy to the adjustment agent; Using the adjustment agent to adjust the initial policy according to the historical claim settlement data to obtain an adjusted policy; And based on the management agent, carrying out compliance inspection on the adjusted policy to obtain an inspection result, and if the inspection result does not meet a preset condition, returning to execute the step of using the analysis agent until the inspection result meets the preset condition to obtain a target policy.
  2. 2. The data processing method of an insurance agent according to claim 1, wherein said using said analysis agent to perform risk analysis on said customer based on said customer information, said historical application data and said intrinsic risk data to obtain a target analysis result includes: using the analysis agent to perform risk analysis on the client according to the client information and the historical application data to obtain an initial analysis result; and adjusting the initial analysis result according to the inherent risk data to obtain the target analysis result.
  3. 3. The method of claim 1, wherein generating an initial policy for the customer based on the target analysis result comprises: based on the management agent, acquiring a basic premium of the customer, and transmitting the basic premium to the analysis agent; And adjusting the basic premium by using the analysis intelligent body according to the target analysis result to obtain an adjusted premium, and generating the initial policy according to the adjusted premium.
  4. 4. The data processing method of claim 1, wherein said using said adjustment agent to adjust said initial policy based on said historical claim data, results in an adjusted policy, comprises: preprocessing the historical claim settlement data by using the adjusting agent to obtain a historical claim settlement scene, historical claim settlement influence data and historical claim settlement abnormal data; And adjusting the premium in the initial policy according to the historical claim settlement scene, the historical claim settlement influence data and the historical claim settlement abnormal data to obtain the adjusted policy.
  5. 5. The data processing method of an insurance agent according to claim 1, wherein said compliance checking of said adjusted policy based on said management agent, to obtain a check result, comprises: Based on the management agent, matching corresponding association rules from a preset database according to the client information, wherein the condition of the association rules is the client information, and the result is a standard premium range corresponding to the client information; And based on the management agent, carrying out compliance inspection on the premium in the adjusted policy according to the association rule to obtain the inspection result.
  6. 6. The data processing method of an insurance agent according to claim 5, wherein after said compliance checking of the premium in said adjusted policy based on said management agent according to said association rule, obtaining said checking result, further comprising: if the checking result is that the premium in the adjusted policy is within the standard premium range in the association rule, Determining that the inspection result meets the preset condition; and if the checking result is that the premium in the adjusted policy is not in the standard premium range in the association rule, determining that the checking result does not meet the preset condition.
  7. 7. The data processing method of an insurance-agent according to claim 1, further comprising, after said obtaining the target policy: based on the management agent, monitoring a selection event of the client aiming at the target policy; if the selection event is monitored, determining the expiration date of the target policy according to the target policy; And triggering and executing the steps of acquiring the client information, the historical application data, the inherent risk data and the historical claim settlement data of the clients to be analyzed based on the management agent at the expiration date to obtain a new target policy.
  8. 8. A data processing device of an insurance agent, wherein the data processing device is applied to an insurance service platform, the insurance service platform comprises a management agent, an analysis agent and an adjustment agent, and the data processing device comprises: The first acquisition module is used for acquiring client information, historical application data, inherent risk data and historical claim settlement data of a client to be analyzed based on the management agent, transmitting the client information, the historical application data and the inherent risk data to the analysis agent, and transmitting the historical claim settlement data to the adjustment agent; The analysis module is used for carrying out risk analysis on the client according to the client information, the historical application data and the inherent risk data by using the analysis agent to obtain a target analysis result, generating an initial policy for the client according to the target analysis result, and sending the initial policy to the adjustment agent; the adjustment module is used for adjusting the initial policy according to the historical claim settlement data by using the adjustment intelligent agent to obtain an adjusted policy; And the circulation module is used for carrying out compliance inspection on the adjusted policy based on the management agent to obtain an inspection result, and if the inspection result does not meet a preset condition, returning to execute the step of using the analysis agent until the inspection result meets the preset condition to obtain a target policy.
  9. 9. A computer device, characterized in that it comprises a processor, a memory and a computer program stored in the memory and executable on the processor, which processor, when executing the computer program, implements the data processing method of the insurance agent according to any of claims 1 to 7.
  10. 10. A computer-readable storage medium storing a computer program, characterized in that the computer program, when executed by a processor, implements the data processing method of the insurance agent according to any one of claims 1 to 7 when the processor executes the computer program.

Description

Data processing method, device, equipment and medium of insurance intelligent agent Technical Field The present invention relates to the field of data processing technologies, and in particular, to a data processing method, apparatus, device, and medium for an insurance agent. Background In recent years, along with the continuous improvement of resident risk awareness and insurance demands, insurance products are widely applied in the fields of finance, senior citizen care, health care and the like. For example, in a financial scenario, enterprises need to transfer property loss risks caused by natural disasters and accidents to insurance companies through financial insurance products such as financial insurance enterprises and machine damage insurance enterprises, and in a health medical scenario, individuals and families deal with financial pressures caused by diseases and medical expenses by applying health insurance and medical insurance, so how to generate a real and reliable policy has become an important point of industry attention. The traditional insurance business is used for accurately evaluating the risk level of the insured person and determining a proper guarantee scheme, and usually adopts methods such as regression analysis, similar case reference, traditional mathematical model and the like to analyze the related data of the insured person, but the method has certain limitation in the reliability of policy generation. Therefore, how to improve the reliability of policy generation is a problem to be solved. Disclosure of Invention The embodiment of the invention provides a data processing method, device, equipment and medium of an insurance agent, which are used for solving the problem of how to improve the reliability of policy generation. In a first aspect, there is provided a data processing method of an insurance agent, the data processing method being applied to an insurance service platform including a management agent, an analysis agent, and an adjustment agent, the data processing method comprising: based on the management agent, acquiring client information, historical application data, inherent risk data and historical claim settlement data of a client to be analyzed, transmitting the client information, the historical application data and the inherent risk data to the analysis agent, and transmitting the historical claim settlement data to the adjustment agent; Using the analysis agent to perform risk analysis on the client according to the client information, the historical application data and the inherent risk data to obtain a target analysis result, generating an initial policy for the client according to the target analysis result, and sending the initial policy to the adjustment agent; Using the adjustment agent to adjust the initial policy according to the historical claim settlement data to obtain an adjusted policy; And based on the management agent, carrying out compliance inspection on the adjusted policy to obtain an inspection result, and if the inspection result does not meet a preset condition, returning to execute the step of using the analysis agent until the inspection result meets the preset condition to obtain a target policy. In a second aspect, there is provided a data processing apparatus of an insurance agent, the data processing apparatus being applied to an insurance service platform including a management agent, an analysis agent and an adjustment agent, the data processing apparatus comprising: The first acquisition module is used for acquiring client information, historical application data, inherent risk data and historical claim settlement data of a client to be analyzed based on the management agent, transmitting the client information, the historical application data and the inherent risk data to the analysis agent, and transmitting the historical claim settlement data to the adjustment agent; The analysis module is used for carrying out risk analysis on the client according to the client information, the historical application data and the inherent risk data by using the analysis agent to obtain a target analysis result, generating an initial policy for the client according to the target analysis result, and sending the initial policy to the adjustment agent; the adjustment module is used for adjusting the initial policy according to the historical claim settlement data by using the adjustment intelligent agent to obtain an adjusted policy; And the circulation module is used for carrying out compliance inspection on the adjusted policy based on the management agent to obtain an inspection result, and if the inspection result does not meet a preset condition, returning to execute the step of using the analysis agent until the inspection result meets the preset condition to obtain a target policy. In a third aspect, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the proce