CN115700656A

CN115700656A - Claims risk identification method, device, equipment and computer storage medium

Info

Publication number: CN115700656A
Application number: CN202110808552.5A
Authority: CN
Inventors: 李东壕; 郭嘉伟; 梁智; 李鹏程; 崔啸霆; 黎敏茵; 吴奕霏; 熊雄
Original assignee: SF Technology Co Ltd
Current assignee: SF Technology Co Ltd
Priority date: 2021-07-16
Filing date: 2021-07-16
Publication date: 2023-02-07

Abstract

The application provides a method, a device, equipment and a computer storage medium for claim settlement risk identification; the claim risk identification method in the application comprises the following steps: acquiring claim settlement information of a target freight note and claim settlement identification information carried by the claim settlement information, wherein the claim settlement identification information comprises at least one of a claim settlement user identification, a claim settlement equipment identification and a claim settlement account identification; querying a preset user relationship database, and acquiring a target user identifier, a target device identifier and/or a target account identifier associated with the claim identification information; outputting a recognition result of the claim settlement risk of the target freight note according to the target user identification, the target equipment identification and/or the target account identification; according to the embodiment of the application, the claim settlement risk identification of the waybill is carried out according to the pre-established user relation database, the efficiency and the accuracy of the risk identification of the target waybill claim settlement are improved, and the waste of manpower and material resources is reduced.

Description

Claims risk identification method, device, equipment and computer storage medium

Technical Field

The application relates to the technical field of logistics, in particular to a method, a device, equipment and a computer storage medium for claim settlement risk identification.

Background

With the rapid development of the logistics industry and the increasing and rapid increase of the demand of people, the express delivery of logistics companies is more and more.

In a large number of express items of the current logistics company, due to the special conditions of the attributes of the express items, the transportation link, the delivery link or the client, more and more claim cases are caused by the loss or damage of the produced express items, so that the lost or damaged express items need to be claimed; and then, carrying out claim settlement and drawing claim funds by using rule loopholes and imperfect information of part of users. At present, the main idea of solving the claim settlement is the traditional form of reporting the security coordination solution by the claimant, the modes consume more manpower and material resources, and the efficiency and accuracy of risk identification of the claim settlement are low.

Disclosure of Invention

The application provides a claim settlement risk identification method, device, equipment and computer storage medium, and aims to solve the technical problems that current waybill claim settlement identification consumes more manpower and material resources, and the claim settlement risk identification efficiency and accuracy are low.

In one aspect, the present application provides a method for identifying a claim settlement risk, where the method for identifying a claim settlement risk includes:

acquiring claim settlement information of a target freight note and claim settlement identification information carried by the claim settlement information;

querying a preset user relationship database, and acquiring a target user identifier, a target device identifier and/or a target account identifier associated with the claim identification information;

and outputting the identification result of the claim settlement risk of the target freight bill according to the target user identification, the target equipment identification and/or the target account identification.

In some embodiments of the present application, before querying a preset user relationship database and obtaining a target user identifier, a target device identifier, and/or a target account identifier associated with the claim identification information, the method includes:

acquiring marked waybill information, and extracting a user identifier, an equipment identifier and an account identifier carried by each piece of waybill information;

establishing an association relation among the user identifier, the equipment identifier and the account identifier aiming at each waybill information;

and merging the same user identification, the same equipment identification and/or the same account identification to integrate the association relations to generate a preset user relation database.

In some embodiments of the present application, after obtaining the claim information of the target waybill and the claim identification information carried in the claim information, the method includes:

querying a preset target group database, and judging whether a pre-stored identification information set associated with each target group contains the claim settlement identification information or not;

if the claim identification information is not contained, executing the step of inquiring a preset user relation database;

and if the identification information of the claim settlement is contained, outputting the recognition result that the target waybill has the risk of the claim settlement.

In some embodiments of the present application, after the outputting the recognition result of the claim settlement risk of the target waybill according to the target user identifier, the target device identifier, and/or the target account identifier, the method includes:

if the identification result is that the claim settlement risk exists, processing target freight note information corresponding to the target user identification, the target equipment identification and/or the target account identification to obtain an abnormal mailing user relationship;

acquiring historical claim settlement records associated with all mailing user identifications in the mailing user relationship, and calculating the waybill settlement odds of the claim settlement identification information according to the historical claim settlement records;

and if the waybill settlement odds are larger than a preset odds settlement threshold, marking the mailing user identification as a target group, and summarizing the equipment identification and/or the account identification associated with the mailing user identification to form a pre-stored identification information set.

In some embodiments of the present application, the outputting the recognition result of the claim settlement risk of the target waybill according to the target user identifier, the target device identifier, and/or the target account identifier includes:

acquiring the user number of the target user identifier, the equipment number of the target equipment identifier and/or the account number of the target account identifier;

comparing the number of users, the number of devices and/or the number of accounts with a preset threshold value respectively;

and if the number of the users, the number of the equipment and the number of the accounts are all larger than a preset threshold value, outputting an identification result that the target waybill has a risk of claim settlement.

In some embodiments of the present application, the outputting a recognition result of a claim risk of the target manifest according to the target user identifier, the target device identifier, and/or the target account identifier includes:

inquiring a preset target group database, and judging whether a pre-stored identification information set associated with each target group contains the target user identification, the target equipment identification and/or the target account identification;

and if the target user identification, the target equipment identification and/or the target account identification are/is included, outputting the identification result that the target waybill has the risk of claim settlement.

In some embodiments of the present application, after obtaining the claim settlement information of the target manifest and the claim settlement identification information carried in the claim settlement information, the method includes:

inquiring a preset mailing relation database, and acquiring target mailing user information and target mailing address information corresponding to the claim settlement identification information;

and outputting an identification result of the claim settlement risk of the target freight note according to the target mailing user information and/or the target mailing address information.

In some embodiments of the present application, before querying a preset mailing relation database and obtaining target mailing user information and target mailing address information corresponding to the claim settlement identification information, the method includes:

acquiring marked waybill information, and identifying mailing user information and mailing address information in the waybill information;

establishing an association relationship between the mailing user information and the mailing address information for each piece of waybill information;

and combining the same mailing user information and the same mailing address information to integrate the association relations and generate a preset mailing relation database.

querying a preset claim settlement database, and acquiring a historical claim settlement record corresponding to the claim settlement identification information;

calculating the waybill settlement odds of the claim settlement identification information according to the historical claim settlement records;

and comparing the payroll claims with a preset claims rate threshold, and outputting the identification result of the claims risk of the target payroll.

and if the risk identification result indicates that the risk exists, marking the claim settlement information and sending the claim settlement information to a terminal corresponding to a claim settlement person.

In another aspect, the present application provides a claim settlement risk identification apparatus, including:

the acquisition module is used for acquiring the claim settlement information of the target freight note and the claim settlement identification information carried by the claim settlement information;

the query module is used for querying a preset user relationship database and acquiring a target user identifier, a target equipment identifier and/or a target account identifier associated with the claim identification information;

and the output module is used for outputting the identification result of the claim settlement risk of the target freight note according to the target user identification, the target equipment identification and/or the target account identification.

In another aspect, the present application further provides a claim settlement risk identification device, where the claim settlement risk identification device includes:

one or more processors;

a memory; and

one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the processor to implement the method of claim risk identification.

In another aspect, the present application further provides a computer storage medium, on which a computer program is stored, where the computer program is loaded by a processor to execute the steps in the claims risk identification method.

According to the technical scheme, the target user identification, the target equipment identification and/or the target account identification associated with the claim identification information are obtained according to the pre-established user relation database, and claim risk identification of the waybill is carried out according to the target user identification, the target equipment identification and/or the target account identification, so that the efficiency and the accuracy of the target waybill claim risk identification are improved, and waste of human and material resources is reduced.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a scene schematic diagram of a claim risk identification method provided in an embodiment of the present application;

fig. 2 is a schematic flowchart of an embodiment of performing claim risk identification according to a preset user relationship database in the claim risk identification method in the embodiment of the present application;

fig. 3 is a schematic flowchart of an embodiment of performing claim risk identification according to a preset target group database in the claim risk identification method in the embodiment of the present application;

fig. 4 is a schematic flow chart illustrating an embodiment of performing risk identification of claims according to a preset mailing relationship database in the method for risk identification of claims in the embodiment of the present application;

fig. 5 is a schematic flowchart of an embodiment of performing claim risk identification according to a preset claim database in the claim risk identification method provided in the embodiment of the present application;

fig. 6 is a schematic flow chart illustrating an embodiment of performing claim risk identification according to a combination of user claim information, a user relationship database, and a user posting relationship database in the method for claim risk identification provided in the embodiment of the present application;

fig. 7 is a schematic structural diagram of an embodiment of the claim risk identification device according to the embodiment of the present invention;

fig. 8 is a schematic structural diagram of the claim risk identification device according to the embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any inventive step, are within the scope of the present invention.

In the description of the present invention, it is to be understood that the terms "first", "second" and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, features defined as "first", "second", may explicitly or implicitly include one or more of the described features. In the description of the present invention, "a plurality" means two or more unless specifically defined otherwise.

In this application, the word "exemplary" is used to mean "serving as an example, instance, or illustration. Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. The following description is presented to enable any person skilled in the art to make and use the invention. In the following description, details are set forth for the purpose of explanation. It will be apparent to one of ordinary skill in the art that the present invention may be practiced without these specific details. In other instances, well-known structures and processes are not shown in detail to avoid obscuring the description of the invention with unnecessary detail. Thus, the present invention is not intended to be limited to the embodiments shown, but is to be accorded the widest scope consistent with the principles and features disclosed herein.

The embodiments of the present application provide a method, an apparatus, a device, and a computer storage medium for claim settlement risk identification, which are described in detail below.

The claim risk identification method is applied to a claim risk identification device, the claim risk identification device is arranged on a claim risk identification device, one or more processors, memories and one or more application programs are arranged in the claim risk identification device, and the one or more application programs are stored in the memories and configured to be executed by the processors to realize the claim risk identification method; the claim risk identification device may be a server or a terminal, such as a mobile phone, a tablet computer, or a camera.

As shown in fig. 1, fig. 1 is a scene schematic diagram of a claim risk identification method according to an embodiment of the present application, where the claim risk identification scene includes a claim risk identification device 100 (a claim risk identification device is integrated in the claim risk identification device 100), and a computer storage medium corresponding to the claim risk identification is run in the claim risk identification device 100 to execute the steps of the claim risk identification method.

It should be understood that the claim risk identification device in the claim risk identification scenario shown in fig. 1, or the apparatus included in the claim risk identification device, does not limit the embodiment of the present invention, that is, the number of devices and the type of devices included in the claim risk identification scenario, or the number of devices and the type of devices included in each device do not affect the overall implementation of the technical solution in the embodiment of the present invention, and may be all calculated as equivalent replacements or derivatives of the technical solution claimed in the embodiment of the present invention.

The claim settlement risk identification device 100 in the embodiment of the present invention is mainly configured to: acquiring claim settlement information of a target freight note and claim settlement identification information carried by the claim settlement information; querying a preset user relationship database, and acquiring a target user identifier, a target device identifier and/or a target account identifier associated with the claim identification information; and outputting the identification result of the claim settlement risk of the target freight note according to the target user identification, the target equipment identification and/or the target account identification.

The claim risk identification device 100 in the embodiment of the present invention may be an independent claim risk identification device, or may be a claim risk identification device network or a claim risk identification device cluster composed of claim risk identification devices, for example, the claim risk identification device 100 described in the embodiment of the present invention includes, but is not limited to, a computer, a network host, a single network claim risk identification device, multiple network claim risk identification device sets, or a cloud claim risk identification device composed of multiple claim risk identification devices. The cloud claim risk identification device is composed of a large number of computers based on cloud computing (cloud computing) or network claim risk identification devices.

Those skilled in the art can understand that the application environment shown in fig. 1 is only one application scenario related to the present application, and does not constitute a limitation on the application scenario of the present application, and that other application environments may further include more or less claim risk identification devices than those shown in fig. 1, or a network connection relationship between the claim risk identification devices, for example, only 1 claim risk identification device is shown in fig. 1, and it is understood that the scenario of claim risk identification may further include one or more other claim risk identification devices, which is not limited herein specifically; the claim risk identification device 100 may further include a memory for storing data, such as waybill information.

In addition, in the claim risk identification scene, the claim risk identification device 100 may be provided with a display device, or the claim risk identification device 100 is not provided with a display device in communication connection with an external display device 200, and the display device 200 is configured to output a result of the execution of the claim risk identification method in the claim risk identification device. The claim risk identification device 100 may access a background database 300 (the background database may be in a local memory of the claim risk identification device, and may also be set in the cloud), and information related to claim risk identification is stored in the background database 300, for example, waybill information is stored in the background database 300.

It should be noted that the scene schematic diagram of the claim risk identification method shown in fig. 1 is only an example, and the scene of the claim risk identification described in the embodiment of the present invention is for more clearly explaining the technical solution of the embodiment of the present invention, and does not constitute a limitation on the technical solution provided by the embodiment of the present invention.

As shown in fig. 2, fig. 2 is a flowchart illustrating an embodiment of performing claim risk identification according to a preset user relationship database in the method for identifying a claim risk according to the embodiment of the present application.

The method for identifying the claim settlement risk in the embodiment comprises the following steps:

and 201, acquiring the claim settlement information of the target freight note and the claim settlement identification information carried by the claim settlement information.

The claim risk identification method in this embodiment is applied to the claim risk identification device, and the type of the claim risk identification device is not particularly limited, that is, the claim risk identification device may be a terminal or a server, which is taken as an example in this embodiment for description.

The server receives the claim risk identification instruction, and the triggering manner of the claim risk identification instruction is not specifically limited, that is, the claim risk identification instruction may be actively triggered by the user, for example, the user inputs in the server: identifying the claim settlement risk, and manually triggering a claim settlement risk identification instruction; or the claim risk identification instruction can be automatically triggered by the server, for example, when a claim request is received, the claim risk identification instruction is automatically triggered.

After the server receives the claim risk identification instruction, the server acquires a target freight note associated with the claim risk identification, the server acquires the claim information of the target freight note, and the server acquires the claim identification information associated with the claim information, wherein the claim identification information comprises at least one of a claim user identification, a claim equipment identification and/or a claim account identification; the claim settlement user identification refers to identification information for uniquely identifying the identity of a claim settlement person, for example, the claim settlement user identification is a user identity card number or a user mobile phone number when a user claims account is registered; the claim settlement equipment identifier refers to identification information for uniquely identifying the claim settlement user equipment, for example, the claim settlement equipment identifier may be equipment production identification information or equipment coding information; the claim account identifier refers to identification information for uniquely identifying the login account, for example, the claim account identifier is an account name of the user logging in the claim platform.

202, querying a preset user relationship database, and obtaining a target user identifier, a target device identifier and/or a target account identifier associated with the claim identification information.

A user relation database is preset in the server, and a relation graph used for identifying claims is stored in the user relation database; after the server acquires the claim identification information, the server queries a preset user relationship database, acquires a target user identification, a target device identification and/or a target account identification associated with the claim identification information in the preset user relationship database, and determines whether a claim risk exists according to the associated target user identification, target device identification and/or target account identification, namely, under a normal condition, a user logs in a unique account to apply for claim settlement or to give a waybill by using unique identity information and unique equipment, and the server associates the user identification, the device identification and the account identification of each waybill to construct a preset user relationship database; specifically, in this embodiment, the step of constructing the preset user relationship database before the step 202 includes the steps of:

(1) Acquiring marked waybill information, and extracting a user identifier, an equipment identifier and an account identifier carried by each piece of waybill information;

(2) Establishing an association relation among the user identification, the equipment identification and the account identification aiming at each waybill information;

(3) And combining the same user identification, the same equipment identification and/or the same account identification to integrate the association relations to generate a preset user relation database.

The server acquires the waybill information with mass marks, and extracts user identification, equipment identification and account identification carried by each waybill information; aiming at each waybill information, the server establishes an incidence relation among a user identifier, an equipment identifier and an account identifier; and the server combines the same user identification, the same equipment identification and/or the same account identification to integrate the association relations, and generates a preset user relation database.

For example, setting the relationship between the account identification (Union _ id) and the Device identification (Device _ id) in the server determines whether different numbers are the same user. The Union _ id is a unique identification code of a User in each channel, and a scene that one User has a plurality of members can be identified through the incidence relation between the Union _ id and the User _ id. The Device _ id is a user operation Device recorded in user operation data, and can be used for identifying a scene that one user switches to log in a plurality of channels or different accounts of the same channel.

The node comprises: union _ id is a unique identification code of a user under a login platform; user _ id, which is a unique User identification code Device _ id generated by User registration and is a Device code used by a User; device _ id-Union _ id: co-occurrence; the two are jointly associated with the same waybill information; union _ id-User _ id: registering/logging in; and registering the members or switching the members to log in, wherein the server associates the user identification, the equipment identification and the account identification associated with each waybill information, and then constructs a user database.

That is to say, in the process of processing claims, an existing claimant can check the historical claims condition of a client, determine whether the risk of the client is judged according to the historical telephone number mailings and the claims condition, if the client uses a plurality of telephone number mailings, the risk cannot be accurately identified, and the server can perform risk identification of claims through a preset user relationship database so as to accurately search the condition of using a plurality of terminals, a plurality of user identity data and/or a plurality of accounts for logistics.

In this embodiment, the server queries a preset user relationship database, obtains a target user identifier, a target device identifier, and/or a target account identifier associated with the claim settlement identifier information, and determines, based on the user relationship database, a device, an account, and identity information used by the user, so as to prevent the user from performing claim settlement, specifically:

203, outputting the recognition result of the claim settlement risk of the target waybill according to the target user identification, the target equipment identification and/or the target account identification.

And the server determines whether the user has the condition of multiple accounts or multiple equipment claims according to the target user identification, the target equipment identification and/or the target account identification, so as to judge whether the target freight bill has the risk of claim settlement. In this embodiment, a manner of identifying the claim settlement risk by the server according to the target user identifier, the target device identifier, and/or the target account identifier is not specifically limited, and specifically, step 203 includes:

the implementation mode is as follows:

(1) Acquiring the user number of the target user identifier, the equipment number of the target equipment identifier and/or the account number of the target account identifier;

(2) Comparing the number of users, the number of devices and/or the number of accounts with a preset threshold value respectively;

(3) And if the number of the users, the number of the devices and the number of the accounts are all larger than a preset threshold value, outputting an identification result that the target waybill has a claim settlement risk.

The server obtains the user number of the target user identifier, the equipment number of the target equipment identifier and/or the account number of the target account identifier; the server compares the number of users, the number of devices and/or the number of accounts with a preset threshold value respectively; the preset threshold may be set according to a specific scenario, for example, the preset threshold is set to 2, and if the number of users, the number of devices, and the number of accounts are all greater than the preset threshold, the recognition result that the target waybill has the risk of claim settlement is output; if at least one of the number of the users, the number of the equipment and the number of the accounts is larger than a preset threshold value, outputting prompt information to prompt the users to confirm manually; and if the number of the users, the number of the devices and the number of the accounts are all smaller than or equal to the preset threshold value, outputting an identification result that the target waybill does not have the risk of claim settlement.

The implementation mode two is as follows:

(1) Querying a preset target group database, and judging whether a pre-stored identification information set associated with each target group contains the target user identification, the target equipment identification and/or the target account identification;

(2) And if the target user identification, the target equipment identification and/or the target account identification are/is included, outputting the identification result that the target waybill has the risk of claim settlement.

The server inquires the preset target group database, and judges whether a pre-stored identification information set associated with each target group contains a target user identification, a target equipment identification and/or a target account identification; if the identification comprises the target user identification, the target equipment identification and/or the target account identification, the server outputs the identification result that the target waybill has the claim settlement risk; the second implementation mode is more accurate than the first implementation mode.

According to the technical scheme, the target user identification, the target equipment identification and/or the target account identification associated with the claim identification information are obtained according to the pre-established user relation database, and the claim risk identification of the waybill is carried out according to the target user identification, the target equipment identification and/or the target account identification, so that the efficiency and the accuracy of the claim risk identification of the target waybill are improved, and the waste of manpower and material resources is reduced.

As shown in fig. 3, fig. 3 is a flowchart illustrating an embodiment of performing claim risk identification according to a preset target group database in the method for identifying a claim risk according to the present application.

In the method for identifying claim risk in this embodiment, the query amount of identification data according to the preset user relationship database is large, and the performance requirement on the server is high, in this embodiment, risk identification is performed according to the target group database, so that the data processing amount is reduced, and the identification efficiency is further improved, specifically, the method includes:

301, querying a preset target group database, and determining whether a pre-stored identification information set associated with each target group contains the claim settlement identification information.

In this embodiment, before performing claim risk identification according to the preset target group database, the pre-establishing of the target group database includes:

(1) If the identification result is that the claim settlement risk exists, processing target freight note information corresponding to the target user identification, the target equipment identification and/or the target account identification to obtain an abnormal mailing user relationship;

(2) Acquiring historical claim settlement records associated with the mailing user identifications in the mailing user relationship, and calculating the waybill settlement odds of the claim settlement identification information according to the historical claim settlement records;

(3) And if the waybill settlement odds are larger than a preset odds settlement threshold, marking the mailing user identification as a target group, and summarizing the equipment identification and/or the account identification associated with the mailing user identification to form a pre-stored identification information set.

The server acquires a plurality of recognition results, and if the recognition results indicate that the claim settlement risk exists, the server extracts target waybill information corresponding to the target user identification, the target equipment identification and/or the target account identification, analyzes each piece of target waybill information, and finds a mailing relationship with high mailing frequency as an abnormal mailing user relationship; the server acquires historical claim settlement records associated with the mailing user identifications in the relation of the mailing users, and calculates the waybill payoff odds of claim settlement identification information according to the historical claim settlement records; if the waybill settlement rate is greater than a preset settlement rate threshold value, the server marks the mailing user identifier as a target group, wherein the preset settlement rate threshold value refers to a preset settlement frequency, for example, the preset settlement rate threshold value is set to 10%, and the server collects the device identifier and/or the account identifier associated with the mailing user identifier to form a pre-stored identifier information set.

And the server queries a preset target group database and judges whether a pre-stored identification information set associated with each target group contains claim identification information or not.

302, if the claim identification information is not included, executing the step of querying a preset user relationship database.

303, if the identification information of the claim settlement is contained, outputting the identification result that the target waybill has the risk of the claim settlement.

If the pre-stored identification information set associated with each target group does not contain claim identification information, the server executes a step of inquiring a preset user relationship database; and if the pre-stored identification information set associated with the target group contains the claim identification information, the server executes the identification result of the claim risk of the output target freight note. In the embodiment, the server performs claim settlement risk identification according to the preset target group database, and the identification efficiency and accuracy are high.

Referring to fig. 4, fig. 4 is a schematic flow chart of an embodiment of performing claim risk identification according to a preset mailing relation database in the claim risk identification method provided in the embodiment of the present application.

In some embodiments of the application, the server performing claim risk identification according to the preset mailing relation database includes the following steps:

and 401, querying a preset mailing relation database, and acquiring target mailing user information and target mailing address information corresponding to the claim settlement identification information.

The method includes the steps that a preset mailing relation database is built in a server, and the mailing relation database contains abnormal mailing user information and mailing address information, and the preset mailing relation database is built in the embodiment and specifically includes the following steps:

(1) Acquiring marked waybill information, and identifying mailing user information and mailing address information in the waybill information;

(2) Establishing an association relation between the mailing user information and the mailing address information aiming at each piece of waybill information;

(3) And combining the same mailing user information and the same mailing address information to integrate the association relations to generate a preset mailing relation database.

Namely, the server acquires marked waybill information and identifies mailing user information and mailing address information in each piece of waybill information; the server establishes an association relation between the mailing user information and the mailing address information for each waybill information; the server combines the same mailing user information and the same mailing address information to integrate the association relations and generate a preset mailing relation database.

And the server inquires a preset mailing relation database, and acquires target mailing user information and target mailing address information corresponding to the claim settlement identification information.

And 402, outputting the identification result of the claim settlement risk of the target freight bill according to the target mailing user information and/or the target mailing address information.

That is, in a general case, one user does not send mails frequently to another user, or the mail address of one user does not change frequently, the server judges the number of the target mailing user information and/or the target mailing address information according to the target mailing user information and/or the target mailing address information, and counts the number of the target mailing users and/or the target mailing address information, if the number of the target mailing users is large, or the number of the mailing addresses is large, the server judges that the target freight note has an identification result of risk of claim settlement, and vice versa; and the server judges that the target freight bill has no recognition result of claim settlement risk because the number of the mailing users is small or the number of the mailing addresses is small.

Referring to fig. 5, fig. 5 is a flowchart illustrating an embodiment of performing claim risk identification according to a preset claim database in the method for identifying a claim risk provided in the embodiment of the present application.

In the method for identifying claim risk according to the present embodiment, the identification of claim risk according to a preset claim database specifically includes:

and 501, querying a preset claim settlement database, and acquiring a historical claim settlement record corresponding to the claim settlement identification information.

The server presets a claim database which contains a large amount of claim information, and inquires the preset claim database to obtain a historical claim record corresponding to the claim identification information, wherein the historical claim record contains claim time, claim amount and the like.

502, calculating the waybill payoff odds of the claim identification information according to the historical claim settlement records.

The server acquires the waybill information associated with the claim identification information, and calculates the waybill claim rate of the claim identification information according to the waybill information and the historical claim records.

503, comparing the freight bill claims rate with a preset claims rate threshold, and outputting the recognition result of the claims risk of the target freight bill.

The server compares the waybill settlement odds with a preset odds threshold, wherein the preset odds threshold can be set according to a specific scene, for example, the preset odds threshold is set to 10%, and if the waybill settlement odds is greater than the preset odds threshold, the server outputs an identification result that the target waybill has an odds risk; and if the payroll claims are smaller than or equal to the preset claims rate threshold, the server outputs the recognition result that the target payroll does not have the claims risk. In this embodiment, the claim risk identification is performed according to a preset claim database, so that the claim risk identification efficiency and accuracy are higher.

It can be understood that, in the above embodiments, the claim risk identification is performed according to a single database, but when the single database is identified, the identification accuracy is not high, and the server may use multiple databases in combination to improve the accuracy of the claim risk identification, referring to fig. 6, where fig. 6 is a schematic flow chart of an embodiment in which the claim risk identification is performed according to the combination of the user claim information, the user relationship database, and the user posting relationship database in the claim risk identification method provided in this embodiment.

In the embodiment, a user relation database is adopted to identify the condition of multiple numbers of one person, and the claim settlement condition of the user is completely described; mining the receiving and sending relations of abnormal users in the graph under the condition of identifying one person and multiple numbers, and identifying a target group; the complete customer claim settlement information and receipt and sending information are provided for an claimant to improve the identification capability of the claimant and for security to improve the claim breaking capability of the claimant, so that the effect of reducing the claim settlement cost is achieved.

In order to better implement the method for identifying the claim risk in the embodiment of the present application, on the basis of the method for identifying the claim risk, an apparatus for identifying the claim risk is further provided in the embodiment of the present application, as shown in fig. 7, fig. 7 is a schematic structural diagram of an embodiment of the apparatus for identifying the claim risk; the claim settlement risk identification device comprises:

the obtaining module 601 is configured to obtain claim settlement information of a target freight note and claim settlement identification information carried in the claim settlement information;

the query module 602 is configured to query a preset user relationship database, and acquire a target user identifier, a target device identifier, and/or a target account identifier associated with the claim identification information;

the output module 603 is configured to output a recognition result of the claim settlement risk of the target waybill according to the target user identifier, the target device identifier, and/or the target account identifier.

In some embodiments of the present application, the claim risk identification apparatus includes:

and if the identification information of the claim settlement is contained, outputting the identification result that the target waybill has the risk of claim settlement.

and if the waybill settlement odds are larger than a preset odds threshold, marking the mailing user identification as a target group, and summarizing the equipment identification and/or the account identification associated with the mailing user identification to form a pre-stored identification information set.

In some embodiments of the present application, the claim risk identification device output module 603 includes:

acquiring the number of users of the target user identifier, the number of devices of the target device identifier and/or the number of accounts of the target account identifier;

querying a preset target group database, and judging whether a pre-stored identification information set associated with each target group contains the target user identification, the target equipment identification and/or the target account identification;

In some embodiments of the application, the claim risk identification device comprises:

and outputting the identification result of the claim settlement risk of the target freight bill according to the target mailing user information and/or the target mailing address information.

In some embodiments of the present application, the claim risk identification device comprises:

establishing an association relation between the mailing user information and the mailing address information aiming at each piece of waybill information;

In some embodiments of the application, the claim risk identification device further comprises:

In the embodiment, the preset user relationship database acquires the target user identifier, the target equipment identifier and/or the target account identifier associated with the claim identifier information according to the preset user relationship database, and performs the claim risk identification of the waybill according to the target user identifier, the target equipment identifier and/or the target account identifier, so that the efficiency and the accuracy of the risk identification of the claim risk of the target waybill are improved, and the waste of manpower and material resources is reduced.

An embodiment of the present invention further provides a claim settlement risk identification device, as shown in fig. 8, fig. 8 is a schematic structural diagram of the claim settlement risk identification device according to the embodiment of the present invention.

The claim risk identification device integrates any claim risk identification device provided by the embodiment of the invention, and comprises:

one or more processors;

a memory; and

one or more application programs, wherein the one or more application programs are stored in the memory and configured to be executed by the processor to perform the steps of the method for claim risk identification described in any of the embodiments of the method for claim risk identification described above.

Specifically, the method comprises the following steps: the claim risk identification device may include components such as a processor 701 of one or more processing cores, memory 702 of one or more computer storage media, a power supply 703, and an input unit 704. Those skilled in the art will appreciate that the claim risk identification device configuration shown in fig. 8 does not constitute a limitation of the claim risk identification device, and may include more or fewer components than those shown, or some components in combination, or a different arrangement of components. Wherein:

the processor 701 is a control center of the claim risk identification device, connects various parts of the whole claim risk identification device by using various interfaces and lines, and executes various functions and processing data of the claim risk identification device by operating or executing software programs and/or modules stored in the memory 702 and calling data stored in the memory 702, thereby performing overall monitoring on the claim risk identification device. Alternatively, processor 701 may include one or more processing cores; preferably, the processor 701 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 701.

The memory 702 may be used to store software programs and modules, and the processor 701 executes various functional applications and data processing by operating the software programs and modules stored in the memory 702. The memory 702 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data created from use of the claim risk recognition device, and the like. Further, the memory 702 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 702 may also include a memory controller to provide the processor 701 with access to the memory 702.

The claim risk identification device further comprises a power supply 703 for supplying power to each component, and preferably, the power supply 703 is logically connected with the processor 701 through a power management system, so that functions of managing charging, discharging, power consumption management and the like are realized through the power management system. The power supply 703 may also include any component including one or more of a dc or ac power source, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.

The claim risk recognition device may further include an input unit 704, and the input unit 704 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

Although not shown, the claim risk recognition device may further include a display unit and the like, which are not described in detail herein. Specifically, in this embodiment, the processor 701 in the claim risk identification device loads the executable file corresponding to the process of one or more application programs into the memory 702 according to the following instructions, and the processor 701 runs the application program stored in the memory 702, so as to implement various functions as follows:

It will be understood by those skilled in the art that all or part of the steps of the methods of the embodiments described above may be performed by instructions, or by instructions controlling associated hardware, which may be stored in a computer storage medium and loaded and executed by a processor.

To this end, an embodiment of the present invention provides a computer storage medium, which may include: read Only Memory (ROM), random Access Memory (RAM), magnetic or optical disks, and the like. The computer program is loaded by a processor to execute the steps of any claim settlement risk identification method provided by the embodiment of the invention. For example, the computer program may be loaded by a processor to perform the steps of:

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and parts that are not described in detail in a certain embodiment may refer to the above detailed descriptions of other embodiments, and are not described herein again.

In specific implementation, each unit or structure may be implemented as an independent entity, or may be combined arbitrarily to be implemented as the same entity or several entities, and specific implementation of each unit or structure may refer to the foregoing method embodiment, which is not described herein again.

The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.

The claims risk identification method provided by the embodiment of the present application is described in detail above, and the principle and the implementation of the present invention are explained in detail herein by applying specific examples, and the description of the embodiment is only used to help understanding the method and the core idea of the present invention; meanwhile, for those skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A claim risk identification method, characterized in that the claim risk identification method comprises:

and outputting the identification result of the claim settlement risk of the target freight note according to the target user identification, the target equipment identification and/or the target account identification.

2. The method for claim 1, wherein before querying a preset user relationship database to obtain a target user identifier, a target device identifier and/or a target account identifier associated with the claim identification information, the method comprises:

3. The method for claim risk identification, as claimed in claim 1, wherein after the claim information of the target manifest and the claim identification information carried in the claim information are obtained, the method comprises:

querying a preset target group database, and judging whether a pre-stored identification information set associated with each target group contains the claim identification information or not;

4. The method for claim risk identification, wherein after outputting the identification result of the risk of claim settlement of the target manifest according to the target user identifier, the target device identifier and/or the target account identifier, the method comprises:

5. The method for claim risk identification, wherein outputting the identification result of the risk of claim settlement of the target manifest according to the target user identifier, the target device identifier and/or the target account identifier comprises:

and if the number of the users, the number of the devices and the number of the accounts are all larger than a preset threshold value, outputting an identification result that the target waybill has a claim settlement risk.

6. The method for claim risk identification, wherein outputting the identification result of the risk of claim settlement of the target manifest according to the target user identifier, the target device identifier and/or the target account identifier comprises:

7. The method for claim risk identification, wherein after the claim information of the target manifest and the claim identification information carried in the claim information are obtained, the method comprises:

8. The method for claim risk identification, wherein before querying a preset mailing relationship database to obtain target mailing user information and target mailing address information corresponding to the claim identification information, the method comprises:

and combining the same mailing user information and the same mailing address information to integrate the association relations to generate a preset mailing relation database.

9. The method for claim risk identification, as claimed in claim 1, wherein after the claim information of the target manifest and the claim identification information carried in the claim information are obtained, the method comprises:

10. The method for claim risk recognition, as claimed in any one of claims 1-9, wherein after outputting the recognition result of the claim risk of the target manifest based on the target user identifier, the target device identifier and/or the target account identifier, the method comprises:

11. An claim settlement risk identification apparatus, characterized in that the claim settlement risk identification apparatus comprises:

the acquisition module is used for acquiring claim settlement information of a target freight note and claim settlement identification information carried by the claim settlement information;

12. Claim risk identification device, characterized in that it comprises:

one or more processors;

a memory; and

one or more application programs, wherein the one or more application programs are stored in the memory and configured to be executed by the processor to implement the steps in the claims risk identification method of any of claims 1-10.

13. A computer storage medium, having a computer program stored thereon, which is loaded by a processor to perform the steps of the method of claim 1 to 10.