“Methods And Systems For Evaluating Medical Insurance Data In Smart City Based On The Internet Of Things” in Patent Application Approval Process (USPTO 20230377048): Chengdu Qinchuan Iot Technology Co. Ltd.

2023 DEC 12 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent application by the inventors LIU, Bin (Chengdu, China); SHAO, Zehua (Chengdu, China); WEI, Xiaojun (Chengdu, China); WU, Yuefei (Chengdu, China); ZHOU, Junyan (Chengdu, China), filed on July 4, 2022, was made available online on November 23, 2023, according to news reporting originating from Washington, D.C., by NewsRx correspondents.

This patent application is assigned to Chengdu Qinchuan Iot Technology Co. Ltd. (Chengdu, People’s Republic of China).

The following quote was obtained by the news editors from the background information supplied by the inventors: “Nowadays, insurance companies and the types of business insurances are increasing, and different types of insurances of different insurance companies are reviewed at various modes. To control the risk, insurance companies need to perform a series of reviews on the insurance application information of customers before the customers apply for insurance.

“Therefore, it is desirable to provide methods and systems for evaluating medical insurance data in a smart city based on the IoT, which may perform accurate and effective review on insurance customers.”

In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventors’ summary information for this patent application: “One of the embodiments of the present disclosure provides a method for evaluating medical insurance data in a smart city based on the Internet of Things (IoT), which is performed by a medical management platform, including: obtaining a risk query request of a user based on a service platform and through a user platform, wherein the risk query request may be used to evaluate an insurance risk of the evaluation object; obtaining a related person of the evaluation object based on population information; obtaining medical features and insuring features of the evaluation object and the related person based on a medical information platform; determining a target medical feature and a target insuring feature based on the medical features and insuring features of the evaluation object and the related person; determining an evaluation value of the insurance risk based on the target medical feature and the target insuring feature; and feeding back the evaluation value to the user based on the service platform and through the user platform.

“One of the embodiments of the present disclosure provides a system for evaluating medical insurance data in a smart city based on the Internet of Things, including a service platform and a medical management platform. The medical management platform may be configured to perform the following operations: obtaining a risk query request of a user based on a service platform and through a user platform, the risk query request may be used to evaluate an insurance risk of the evaluation object; obtaining a related person of the evaluation object based on a population information platform; obtaining medical features and insuring features of the evaluation object and the related person based on a medical information platform; determining a target medical feature and a target insuring feature based on the medical features and insuring features of the evaluation object and the related person; determining an evaluation value of the insurance risk based on the target medical feature and the target insuring feature; and feeding back the evaluation value to the user based on the service platform and through the user platform.

“One of the embodiments of the present disclosure provides a computer-readable storage medium storing computer instructions, wherein when reading the computer instructions in the storage medium, a computer implements the method for evaluating medical insurance data in a smart city based on the IoT.”

The claims supplied by the inventors are:

“1. A method for evaluating medical insurance data in a smart city based on the Internet of Things (IoT), which is performed by a medical management platform, comprising: obtaining, based on a service platform, a risk query request of a user through a user platform, wherein the risk query request is used to evaluate an insurance risk of an evaluation object; obtaining, based on a population information platform, a related person of the evaluation object; obtaining, based on a medical information platform, medical features and insuring features of the evaluation object and the related person; determining, based on the medical features and insuring features of the evaluation object and the related person, a target medical feature and a target insuring feature; determining, based on the target medical feature and the target insuring feature, an evaluation value of the insurance risk; and feeding back, based on a service platform, the evaluation value to the user through the user platform.

“2. The method of claim 1, wherein the obtaining, based on a medical information platform, medical features and insuring features of the evaluation object and the related person comprises: obtaining, based on the medical information platform, a medical knowledge map; and obtaining, based on the medical knowledge map, the medical features and insuring features of the evaluation object and the related person.

“3. The method of claim 1, wherein the determining, based on the medical features and insuring features of the evaluation object and the related person, a target medical feature and a target insuring feature comprises: determining the target medical feature by performing weighting processing on the medical features of the evaluation object and the related person; and determining the target insuring feature by performing weighting processing on the insuring features of the evaluation object and the related person.

“4. The method of claim 3, wherein each of the medical feature of the evaluation object and the medical feature of the related person at least include a first medical feature and a second medical feature, and the determining the target medical feature by performing weighting processing on the medical features of the evaluation object and the related person comprises: determining, based on the medical knowledge map, a first related person and a second related person and determining a first medical feature of the first related person and a second medical feature of the second related person; obtaining a weighted first medical feature by performing weighting processing on the first medical feature of the first related person and the first medical feature of the evaluation object; obtaining a weighted second medical feature by performing weighting processing on the second medical feature of the second related person and the second medical feature of the evaluation object; and determining, based on the weighted first medical feature and the weighted second medical feature, the target medical feature.

“5. The method of claim 4, wherein the determining the target insuring feature by performing weighting processing on the insuring features of the evaluation object and the related person comprises: determining, based on the medical knowledge map, an insuring feature of the first related person and an insuring feature of the second related person; and determining the target insuring feature by performing weighting processing on the insuring feature of the first related person, the insuring feature of the second related person, and the insuring feature of the evaluation object.

“6. The method of claim 1, wherein the determining, based on the target medical feature and the target insuring feature, an evaluation value of the insurance risk comprises: determining a target medical feature vector and a target insuring feature vector by processing the target medical feature and the target insuring feature based on a secure calculation model; and determining the evaluation value of the insurance risk by processing the target medical feature vector and the target insuring feature vector based on a risk evaluation model.

“7. The method of claim 6, wherein the secure calculation model and the risk evaluation model are obtained through joint training.

“8. The method of claim 1, further comprising: obtaining, based on a synergistic platform, a synergistic feature of the evaluation object; and determining, based on the target medical feature, the target insuring feature, and the synergistic feature, the evaluation value of the insurance risk.

“9. The method of claim 8, wherein the synergistic platform at least includes a financial platform, a social relief platform and a traffic management platform, and the synergistic feature at least includes a financial synergistic feature, a social relief synergistic feature, and a vehicle insurance claim synergistic feature.

“10. A system for evaluating medical insurance data in a smart city based on the Internet of Things, comprising a user platform, a service platform and a medical management platform, wherein the medical management platform is configured to perform the following operations comprising: obtaining, based on a service platform, a risk query request of a user through a user platform, wherein the risk query request is used to evaluate an insurance risk of an evaluation object; obtaining, based on a population information platform, a related person of the evaluation object; obtaining, based on a medical information platform, medical features and insuring features of the evaluation object and the related person; determining, based on the medical features and insuring features of the evaluation object and the related person, a target medical feature and a target insuring feature; determining, based on the target medical feature and the target insuring feature, an evaluation value of the insurance risk; and feeding back, based on a service platform, the evaluation value to the user through the user platform.

“11. The system of claim 10, wherein the medical management platform is configured to further perform the following operations comprising: obtaining, based on the medical information platform, a medical knowledge map; and obtaining, based on the medical knowledge map, the medical features and insuring features of the evaluation object and the related person.

“12. The system of claim 10, wherein the medical management platform is configured to further perform the following operations comprising: determining the target medical feature by performing weighting processing on the medical features of the evaluation object and the related person; and determining the target insuring feature by performing weighting processing on the insuring features of the evaluation object and the insuring features of the related person.

“13. The system of claim 12, wherein each of the medical feature of the evaluation object and the medical feature of the related person at least include a first medical feature and a second medical feature, and the medical management platform is configured to further perform the following operations comprising: determining, based on the medical knowledge map, a first related person and a second related person and determining the first medical feature of the first related person and a second medical feature of the second related person; obtaining a weighted first medical feature by performing weighting processing on the first medical feature of the first related person and the first medical feature of the evaluation object; obtaining a weighted second medical feature by performing weighting processing on the second medical feature of the second related person and the second medical feature of the evaluation object; and determining, based on the weighted first medical feature and the weighted second medical feature, a target medical feature.

“14. The system of claim 13, wherein the medical management platform is configured to further perform the following operations comprising: determining, based on the medical knowledge map, an insuring feature of the first related person and an insuring feature of the second related person; and determining the target insuring feature by performing weighting processing on the insuring feature of the first related person, the insuring feature of the second related person, and the insuring feature of the evaluation object.

“15. The system of claim 10, wherein the medical management platform is configured to further perform the following operations comprising: determining a target medical feature vector and a target insuring feature vector by processing the target medical feature and the target insuring feature based on a secure calculation model; and determining the evaluation value of the insurance risk by processing the target medical feature vector and the target insuring feature vector based on a risk evaluation model.

“16. The system of claim 15, wherein the secure calculation model and the risk evaluation model are obtained through joint training.

“17. The system of claim 10, wherein the medical management platform is configured to further perform the following operations comprising: obtaining, based on a synergistic platform, a synergistic feature of the evaluation object; and determining, based on the target medical feature, the target insuring feature, and the synergistic feature, the evaluation value of the insurance risk.

“18. The system according to claim 17, wherein the synergistic platform at least includes a financial platform, a social relief platform and a traffic management platform, and the synergistic feature at least includes a financial synergistic feature, a social relief synergistic feature, and a vehicle insurance claim synergistic feature.”

There are additional claims. Please visit full patent to read further.

URL and more information on this patent application, see: LIU, Bin; SHAO, Zehua; WEI, Xiaojun; WU, Yuefei; ZHOU, Junyan. Methods And Systems For Evaluating Medical Insurance Data In Smart City Based On The Internet Of Things. U.S. Patent Application Number 20230377048, filed July 4, 2022 and posted November 23, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230377048)&db=US-PGPUB&type=ids

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