Community enhanced record linkage method for vehicle insurance system

Record linkage is a pivotal data integration stage in the vehicle insurance claims analysis system and serves as a foundation for fraud detection, market promotion and other major business applications. While the traditional method of rules based classification plus clerical review is still in use in the industry, the latest development has advanced into link analysis based collective record linkage which has put the blocking and classification processes under the global context. To apply this method with a fraud detection objective, we have developed a community enhanced record linkage model specially tailored for the requirements of vehicle insurance claim system. A major novel approach is the construction of claim communities linking the claims, customers and vehicles involved and apply probabilistic data matching algorithms integrated with spatio-temporal co-occurrence patterns. In addition, the matched results could be used to identify the outliers in fraud detection analysis.