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他山之石可以攻玉——人工智能+时代的一些思考
2019-01-12

  目前中国有700多万的保险代理人,从这么庞大的数字来看,短期内人工智能还无法完全取代代理人,但是人工智能与健康险具有非常天然的贴合度,一旦投入应用,将会切中传统保险的痛点,为保险机构带来崭新的机遇和新业务增长空间,尤其是改变用户普遍抱怨的投保麻烦、条款复杂、理赔难、价格高等问题。例如人工智能领域的智能保险顾问,可以通过大数据、保险模型,结合人工智能来帮助用户完成购买保险的过程,通过机器来回答保险问题,完成保险知识教育、产品选择、报价等问题,从而有效避免主观误导,从而减少保险纠纷和骚扰。

  众所周知,日本的电子产品产业非常发达,伴随而来人工智能产业也经常先人一步,有许多日本保险公司已经开始往这人工智能方面进军,其中有这么一家保险公司所有员工加起来只有34人,据悉这家保险公司今年1月正式启用人工智能系统,负责公司的保险理算业务,这项措施有望把工作效率提高30%,并且每年节省约1.4亿日元(约合人民币831万元)的工资成本。现在,这股人工智能风潮也已刮向了国内保险行业。面对飞速发展的新兴科技,已经有越来越多的国内险企从排斥走向主动试水,正在保险人工智能化的路上“摸着石头过河”。据了解,包括平安保险、中国人寿、中国人财保险、泰康在线、太平洋保险、新华保险等在内的多家险企都已将人工智能引入到核保、客服等环节中。

  为何近年来人工智能突然在保险金融领域大火呢?小编觉得,原因有以下几点:在经历了2015年,互联网保险行业集中爆发又遇冷以后,进入2017年,整个行业开始变的更加冷静和接地气。一方面互联网的玩家们开始向“场景险”切入,希望能够将更多用户留下;而另外一方面,以平安为首的传统的保险行业巨头在经历从线下到线上的转型阵痛后也开始渐入佳境,从互联网到人工智能,期间的改变可能比你想象中还要多。而且近两年,互联网保险的爆发行业有目共睹。根据保监会公布的数据显示,2016年我国有平安健康保险等117家保险机构开展互联网保险业务,实现2347.97亿元的签单保费,新增61.65亿件互联网保险业务保单,占全部新增保单件数的64.59%。

  互联网保险的新入玩家也越来越多,资本也十分青睐这一领域。据统计,去年全球互联网保险行业平均每个季度有48件融资事项发生。近几年,全球资本共向互联网保险创业企业投入了约17亿美元的资金。互联网玩家对传统保险行业的“入侵”,一度被认为是对传统保险行业的“颠覆”,尤其是当平安健康保险这类持牌互联网保险公司进入这一领域,不仅突破了地域的限制,可以在全国范围内经营,且互联网渠道降低了其运营成本和获客成本。

  蚂蚁金服副总裁、保险事业群总裁尹铭在一封内部邮件中写道,“保险有很大的需求,但保险难卖,保险也难买。”正是这种“难买难卖”的问题症结,促进了保险科技在保险行业的拓展发展,也随之带动了与其相关的人工智能行业的发展。

  既然是大势所趋,那么人工智能在我国目前有哪些发展呢?

  马云在2016云栖大会上提到:未来机器一定会比人聪明,但机器不会统治人类,因为它们没有想象力和价值观。2016百度世界大会上,百度公司创始人兼CEO李彦宏全面展示了“百度大脑”——百度人工智能全貌,他从语音、图像、自然语言理解和用户画像等四个方面阐述了百度大脑的能力。其中,李彦宏现场展示了运用情感语音合成技术还原**影星张国荣声音的视频,通过情感语音合成技术实现与粉丝的“隔空对话”,震惊现场观众,观众直呼“帅呆了!”

  近日,百度集团宣布与中国人寿达成战略合作,双方将借助各自优势,在平台、数据、人工智能等方面展开深度合作。当然,中国人寿并不是第一家“试水”人工智能的险企。早在2012年,新华保险在其短信、电话互动服务平台方面就已使用了人工智能技术系统,解答常见咨询问题。2016年,“三马”创立的众安保险再下一城,助推整个保险生态信息化升级。

  人工智能被用来“量身定制”物价和保险

  目前,已有不少险企利用人工智能技术采用去中间化方式构建直销平台,获取社交媒体数据,运用大数据技术构建定价和反欺诈模型,从而有效评估客户承保前、承保中和承保之后的风险。该平台不仅能降低中间费用,提高承保效率,而且有助于降低欺诈概率,为客户提供更符合其自身需求的个性化产品。去年8月,由泰康在线推出的国内首款保险智能机器人“TKer”面世,运用人脸识别、语音交互等技术能够实现自主投保、保单查询等功能。

  李开复曾在Google、微软、苹果等世界顶尖科技公司担任全球副总裁职务,在他看来,传统企业,比如说股票的数据,比如说保险业、银行业,各种金融,数据非常的丰富,而且是非常的狭窄领域,不用跨领域的理解,可以快速产生商业价值。

  能够预测的是,随着数据电子化程度加深、数据较集中且数据质量高的行业或将*先受到人工智能的改造,实现机器协助人类工作、提**率。

  智能定损减少“猫腻”,一个**的售后理赔近在咫尺

  7分钟能做什么?近日,平安人寿用7分钟完成了一起理赔案件,理赔速度之快令还没喝完一杯茶的浙江客户杨女士忍不住咂舌。为了改变核保慢、理赔难,不少险企试图利用人工智能技术“医治”这一顽疾。比如,此次平安人寿推出的“闪赔”采用*新科技实现后台的智能化审核,并快速出具赔付结论,    保证客户在30分钟内便可收到理赔结果。首先,通过数据分析为保险产品定价,实现定制。其次,通过机器识别参与保险核赔,降低风险。据了解,蚂蚁金服保险平台的图片识别技术是核赔流程重要应用之一,其消费保险的理赔环节,超过九成是依靠后台技术识别和判定。更重要的环节是对图片相似度的识别,在传统保险领域,企图骗保的人,可能会拿着网上下载的图片,在多家保险公司报案理赔。但在生鲜腐烂、化妆品过敏这些消费保险上,技术可以在一个庞大的图片库中,比对识别出报案人上传的是真实拍摄图片,还是重复使用了别人皮肤过敏的图片,亦或是网上下载了腐烂水果的图片。结合对理赔者信用程度的判断,绝大多数理赔都可以在短时间内在线完成,无需人工干预。

  再次,通过技术优化业务流程,促进交易。目前,有些互联网保险公司和第三方平台开始将科技业务作为重要的一块。比如众安保险宣布成立了独立的科技公司,关注的技术更为前沿,包括区块链、人工智能和大数据,推出的平台包括区块链开放平台和智能投顾,从金融和医疗健康切入。

  *后,医疗系统结构日益复杂化,信息却呈现分散化,往往会导致患者由于所得信息不充分而作出多余的医护决定,实际并没有什么疗效,徒增不必要的费用,运用人工智能技术,可以引导个人及企业做出更好的医护决定。

  医保和人工智能现在都经常出现在新闻中,美国参议院废除了“美国平价医疗法案”(又称“奥巴马医改”)的立法草案,这让一些美国人感到恐惧,与此同时,机器学习ML和人工智能这两个概念的流行也激发了他们对自身的担忧。

  如果有办法将医疗保健与机器学习结合起来,提供不仅仅更**而且更主动的服务?能否削减成本、增强医保水平?它能帮助医保机构优化客户服务吗?而不仅仅依靠简单的指标?例如医疗技术平台Accolade公司在做这样一件事情:Accolade的Maya智能引擎将ML和AI结合,利用公司的医疗技术和服务平台,为企业雇主、医疗机构和卫生系统提供“专业健康助手”服务。该公司致力于提供“*具个性化的医疗体验”,但似乎也通过应用数据科学来帮助保险公司更好地帮助他们的客户。

  既然人工智能这么火,为什么不加快布局保险业实际应用呢?

  目前保险领域对于人工智能的探索,还面临一些障碍,尤其是数据孤岛的问题:首先,健康险相关的健康数据、医疗数据都留存在医疗体系内,少量积累在商业体检公司,共享和流转困难,很难系统地为健康保险所用;其次,保险行业同业数据交换低效,一个客户在不同保险公司投保信息,虽然在同业之间有部分交互,但是基本都是人工进行的,数据量无法满足智能学习场景。而人才缺失是行业面临的另一个痛点。人工智能作为一个新领域,其本身就是多种专业技术的复合领域,难度很高,专业人才很少,且三分之一在美国,懂保险和人工智能的复合型人才就更稀缺了。此外,林洪祥认为,保险行业还面临本身的IT基础普遍薄弱、投入不足的情况,整体缺少长期演进规划。“特别是对那些连信息系统建设都勉勉强强的公司而言,在这个时候谈人工智能,那无异于浮沙筑高楼。”健康相关数据积累刚刚起步,要实现智能化的风险控制,还有很长的路要走。

  中国互联网保险创新峰会(CIIS2019)将会聚焦互联网保险人工智能以及大数据在实际业务操作中的落地与应用,更多资讯,请进一步关注我们,稍后将为您带来更多有价值的信息。




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Major Chinese biopharmaceutical company Hansoh Pharmaceutical Group Company Limited (Hanmori Pharmaceutical Group Co., Ltd., Hanso Pharmaceutical) and AI ) Atomwise, Inc., a leader in the field, announced the collaboration. The purpose of the collaboration is to design and discover potential drug candidates for a total of 11 private target proteins in multiple therapeutic areas.Atomwise and Hansoh Pharma scientific teams work closely together in each program. The combination of complementary expertise and technology has the potential to dramatically increase success rates and shorten schedules in drug discovery and clinical development.Dr. Aifeng Lyu, President of Jiangsu Hansoh Pharmaceutical Group Co., Ltd., a subsidiary of Hansoh Pharma, said: “Atomwise is the best partner for Hansoh Pharma to use AI technology to innovate and create diverse small molecule pipelines in oncology and other therapeutic areas. I am very impressed with the team and I believe that working together will provide a special opportunity to develop first-in-class and best-in-class therapeutics. "Dr. Abraham Heifets, CEO of Atomwise, said: “It is a great pleasure for us to partner with Chinese biopharmaceutical giant Hansoh Pharma. Hansoh Pharma shares our strong commitment to innovation and our mission to influence patient health globally.”Atomwise's world-class AI platform for structure-based drug design leads the way in finding hit compounds, selecting lead compounds from hit compounds, and optimizing lead compounds. Hansoh Pharma will contribute in its capacity in biological assays and medicinal chemistry, and will lead the subsequent preclinical and clinical development.Subject to the terms of the collaboration, Atomwise will receive revenue based on private technology fees, option exercise fees, royalties, and sublicenses and sales of assets created under the collaboration. Based on historical average sales of small molecule drugs, the overall potential value of this transaction for Atomwise may exceed the potential value of a hit drug if all projects succeed. Hansoh Pharma receives development and commercialization rights in all fields and regions.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

Akari Therapeutics, Plc, a biopharmaceutical company focused on innovative therapeutics to treat orphan autoimmune and inflammatory diseases where the complement (C5) and/or leukotriene (LTB4) systems are implicated, today announced that the U.S. Food and Drug Administration (FDA) has granted orphan drug designation for nomacopan for the treatment of bullous pemphigoid (BP).“BP, a severe blistering skin condition with no approved treatments, is an exciting therapeutic target for our lead drug candidate, nomacopan. It is also a disease of increasing prevalence due to an aging population and improving diagnosis,” said Clive Richardson, Chief Executive Officer of Akari Therapeutics. “Orphan drug designation for nomacopan is a major step forward for the program, positioning nomacopan for eligibility for an additional seven years of marketing exclusivity in BP if nomacopan is approved by the FDA. This news is in addition to the recent orphan drug designation received for our HSCT-TMA program.”The Company plans to release new safety and efficacy data from an ongoing Phase II trial with nomacopan in patients with BP at an oral presentation by Dr. Christian Sadik at the 28th European Academy of Dermatology and Venereology (EADV) Congress on October 10, 2019. In August, the Company announced new data demonstrating the synergistic benefits of nomacopan’s dual C5 and LTB4 inhibitory activity in pemphigoid disease, generated by Dr. Christian Sadik’s group at University of Lubeck, Germany, and published in the August 2019 edition of JCI Insight [link].Orphan drug designation by the FDA is granted to promote the development of drugs that target conditions affecting 200,000 or fewer U.S. patients annually and that are expected to provide significant therapeutic advantage over existing treatments. Orphan designation qualifies Akari for various benefits, including seven years of market exclusivity following marketing approval, tax credits on U.S. clinical trials, eligibility for orphan drug grants, and a waiver of certain administrative fees.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

China's leading biopharmaceutical company Hansoh Pharmaceutical Group Company Limited (" Hansen Pharmaceutical ") and drug discovery artificial intelligence (AI) Atomwise, Inc. (" Atomwise ") , a leader in the field, announced a collaborative design and discovery of potential drug candidates for up to 11 unexposed target proteins in a variety of therapeutic areas.Atomwise and Hansen Pharmaceutical's scientific team will work closely together in these projects. The combination of complementary expertise and technology is expected to significantly increase success and reduce timelines for drug discovery and clinical development.Dr. Lu Aifeng, President of Jiangsu Hansoh Pharmaceutical Group Co., Ltd., said: Hansen Pharmaceutical is committed to using AI technology to innovate and develop diverse small molecules in the field of cancer and other therapeutics. Atomwise is the right partner for Hansen Pharmaceuticals. We are very impressed with Atomwise's AI platform, capabilities and team. We believe that the two companies will have an excellent opportunity to develop similar and best-in-class therapeutic drugs. ."Dr. Abraham Heifets, CEO of Atomwise, said: "We are very excited to work with Hansen Pharmaceutical, China's leading biopharmaceutical company. Hansen Pharmaceuticals and we all have strong commitment to innovation and a common mission to influence the health of patients worldwide. ."The world-class AI platform for Atomwise structured drug design will guide efforts in hit discovery, accidental discovery to hit-to-lead selection, and optimization of lead compounds. Hansen Pharmaceuticals is committed to biological testing and pharmaceutical chemistry, as well as leading subsequent preclinical and clinical development activities.Under the terms of the partnership, Atomwise will receive undisclosed technology royalties, optional royalties, royalties, and subcontracting authorizations or revenue generated from the sale of the derivative assets. Based on the historical average turnover of small molecule drugs, the potential total value of all successful projects with Atomwise's transaction may exceed potential selling drugs. Hanson Pharmaceuticals will receive development and commercialization rights in all fields and geographies.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

WEDNESDAY, SEPTEMBER 11, 2019I-Mab Biopharma (I-Mab), a China and U.S.-based clinical stage biopharmaceutical company exclusively focused on the discovery and development of potential first-in-class and best-in-class biologics in immuno-oncology and autoimmune diseases announces the signing of a collaboration agreement with Shanghai Junshi Biosciences Co., Ltd (Junshi Biosciences), an innovation-driven biopharmaceutical company to evaluate the combination therapy of I-Mab's TJD5, a proprietary innovative CD73 antibody with Junshi Biosciences' Toripalimab (Trade name: Tuoyi), a recombinant humanized anti-PD-1 monoclonal antibody in patients with cancers in China.Dr. Jingwu Zang, Founder and Chairman of I-Mab, commented, "TJD5 is an innovative CD73 antibody with best-in-class potential that has entered into Phase I trial in the US. We are very pleased to collaborate with Junshi to explore the clinical synergies with Toripalimab which is an innovative drug with distinctive treatment advantages. We are looking forward to bringing more clinical benefits to patients across various cancer types."Dr. Ning Li, CEO of Junshi Biosciences, commented, "As an anti multi-tumor drug, toripalimab has shown good safety and efficacy in clinical trials with mono and combination therapy. We believe, through the cooperation with I-Mab, we could continue to explore the combination potential of toripalimab and innovative drugs to improve the outcomes of immune-oncology therapy, lightening hope for more patients.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

TUESDAY, SEPTEMBER 10, 2019ProBioGen AG, a premier service and technology provider for complex therapeutic antibodies and glycoproteins, today announced the closing of a license agreement with Bayer AG for the  GlymaxX® Technology. Under the terms of the agreement, Bayer will leverage the technology to further increase the potency of an undisclosed antibody candidate for oncological indications.ProBioGen’s proven antibody-dependent cellular cytotoxicity (ADCC) enhancing technology GlymaxX® will be applied during cell line development.“We are glad to add Bayer to our list of licensees”, says ProBioGen’s Chief Executive Officer Dr. Wieland Wolf. “The GlymaxX® technology is clinically proven and is a very flexible technology which is liked by all cell lines.”About ProBioGen AGProBioGen is a premier, Berlin-based specialist for developing and manufacturing complex therapeutic antibodies and glycoproteins. Combining both state-of-the-art development services, based on ProBioGen’s CHO.RiGHT™ expression and manufacturing platform, together with intelligent product-specific technologies yields biologics with optimized properties.Rapid and integrated cell line and process development, comprehensive analytical development and following reliable GMP manufacturing is performed by a highly skilled and experienced team.All services and technologies are embedded in a total quality management system to assure compliance with international ISO and GMP standards (EMA/FDA).ProBioGen was founded 1994, is privately owned, and located in Berlin, Germany.About GlymaxX®The GlymaxX® technology, developed by ProBioGen, prevents the cellular synthesis of the sugar “fucose” and hence, in antibody-producing cells, its addition to the N-linked carbohydrate part of the antibody. The absence of fucose is known to greatly enhance ADCC. The GlymaxX® technology is based on the stable introduction of a gene for an enzyme which blocks the producer cells’ fucose biosynthesis pathway. As a unique feature, differentiating it from other approaches, GlymaxX® can be applied to both novel or already existing antibody producer cell lines, and entire antibody expression and discovery platforms, without negatively affecting their productivity or other product characteristics.Furthermore, a single GlymaxX® cell line can be flexibly used to produce differently fucosylated products, depending on the upstream process: In fucose-free medium the antibody is quantitatively afucosylated. The same GlymaxX® cell line grown in fucose-containing medium however, uses the provided fucose and produces fully fucosylated antibody. Thus, a GlymaxX® cell line can by employed to produce different products: For instance ADCC-enhanced GlymaxX® antibodies or wildtype-like, fully fucosylated mAbs, for a parallel Antibody-Drug-Conjugate (ADC) project.Finally, GlymaxX® has been used by biosimilar-developing companies to adjust a specific content of fucose in order to match the originators glycoprofile. Overall, GlymaxX® is simple, rapid, potent, and universally applicable to different CHO hosts and all other eukaryotic cell species.ProBioGen offers its GlymaxX® technology royalty-free and non-exclusively as a service or as an individual license.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

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