CN107798448A - The determination methods and device of black list user - Google Patents
The determination methods and device of black list user Download PDFInfo
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- CN107798448A CN107798448A CN201611166231.5A CN201611166231A CN107798448A CN 107798448 A CN107798448 A CN 107798448A CN 201611166231 A CN201611166231 A CN 201611166231A CN 107798448 A CN107798448 A CN 107798448A
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Abstract
The present invention is applied to field of computer technology, there is provided the determination methods and device of a kind of black list user.Methods described includes:Obtain the information of type of service and the unique mark of user of user's selection;The historical information of user is captured according to the unique mark of user;Default excessive risk user's condition corresponding with the type of service is determined according to the information of the type of service, user's condition of the user is determined according to the historical information of user;By user's condition of the user and with the information of the type of service corresponding to preset excessive risk user's condition be compared, described in user's condition coupling in the user preset excessive risk user's condition when, judge the user for black list user.The accuracy of the judged result of black list user can be improved by the above method.
Description
Technical field
The embodiment of the present invention belongs to field of computer technology, more particularly to the determination methods and dress of a kind of black list user
Put.
Background technology
At present, the species of insurance is more and more diversified, and by insurance subject be people or thing is divided into personal insurance and infringement is protected
Two major classes of danger.For example, personal insurance is specially insurant because of disease or contingency disability, death or disablement, year
Old retirement or insurance contract expire and pay insurance corresponding to insurance money.Personal insurance includes insurance against death, pure endowment, annuity
Insurance, annuity insurance etc.;The insurance of damage is specially that property or interests are damaged by disaster accident, is given corresponding to economic compensation
Insurance.The insurance of damage includes property insurance, liability insurance, guarantee insurance and credit insurance etc..
In order to reduce the loss ratio of insurance business, when insurer applies for insurance business, it is necessary to be audited to insurer,
To judge whether insurer is blacklist of insuring.
In existing blacklist matching process of insuring, typically by the information of the insurer of different insurance businesses and same throwing
The decision condition for protecting blacklist compares, if being consistent, judges artificial blacklist of insuring of insuring, otherwise, it is determined that artificial non-throwing of insuring
Protect blacklist.But because insurance business involves a wide range of knowledge, and different insurance businesses are typically not to the decision condition for blacklist of insuring
With, therefore, existing blacklist matching process of insuring easily causes misjudgment.
The content of the invention
The embodiments of the invention provide the determination methods of black list user a kind of and device, it is intended to solve it is existing insure it is black
The problem of False Rate of list matching process is higher.
First aspect of the embodiment of the present invention, there is provided a kind of determination methods of black list user, methods described include:
Obtain the information of type of service and the unique mark of user of user's selection;
The historical information of user is captured according to the unique mark of user;
According to the information of the type of service determine it is corresponding with the type of service preset excessive risk user's condition, according to
The historical information at family determines user's condition of the user;
User's condition of the user and default excessive risk user's condition corresponding with the information of the type of service are entered
Row compares, and when presetting excessive risk user's condition described in user's condition coupling in the user, judges the user for blacklist
User.
The second aspect of the embodiment of the present invention, there is provided a kind of judgment means of black list user, described device include:
The information acquisition unit of type of service, for obtain user selection type of service information and user it is unique
Mark;
Historical information placement unit, for capturing the historical information of user according to the unique mark of user;
User's condition and type of service determining unit, for being determined and the type of service according to the information of the type of service
Corresponding default excessive risk user condition, user's condition of the user is determined according to the historical information of user;
First black list user's identifying unit, for by user's condition of the user and information with the type of service
Corresponding default excessive risk user condition is compared, and excessive risk user's bar is preset described in user's condition coupling in the user
During part, judge the user for black list user.
In embodiments of the present invention, it is corresponding with the type of service default due to being determined according to the information of the type of service
User's condition of excessive risk, therefore, it is possible to preset user's bar of excessive risk according to corresponding to the flexibly determination of different types of service
Part, so according to this preset high analyte user's condition and determine user's condition coupling matching result judge user whether be
Black list user, so as to drastically increase the accuracy of judged result, probability of miscarriage of justice is reduced, improves the effect of insurance company
Benefit.
Brief description of the drawings
Fig. 1 is a kind of flow chart of the determination methods for black list user that first embodiment of the invention provides;
Fig. 2 is a kind of structure chart of the judgment means for black list user that second embodiment of the invention provides.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
In the embodiment of the present invention, obtain user selection the information of type of service and the unique mark of user, according to
The historical information of the unique mark crawl user at family, is determined corresponding with the type of service pre- according to the information of the type of service
If user's condition of excessive risk, user's condition of the user is determined according to the historical information of user, by user's bar of the user
Part and with the information of the type of service corresponding to preset excessive risk user's condition be compared, in user's condition of the user
When matching the default excessive risk user condition, judge the user for black list user.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.
Embodiment one:
Fig. 1 shows a kind of flow chart of the determination methods for black list user that first embodiment of the invention provides, and is described in detail
It is as follows:
Step S11, obtain the information of type of service and the unique mark of user of user's selection.
It is pointed out that in order to constrain insurer and business personnel simultaneously, user here includes insurer, also including industry
Business person, to reduce declaration form risk.
Wherein, the information of type of service includes:The identification information of type of service, such as business personnel's inquiry, declaration form continuation of insurance, client
The type of service titles such as risk judgment, medical insurance kind, or, the symbol logo such as made an appointment.
The unique mark of user includes:Identification card number, passport No. etc.;Can also be the work of employee if user is business personnel
Number, name etc..
Step S12, the historical information of user is captured according to the unique mark of user.
Wherein, the historical information of user includes following at least one:The history of user is insured, and Claims Resolution is recorded, declaration form is periodically tied
Time limit of calculation, amount of bad debt, by means of invoice overdue number of days, whether insured in client's declaration form, whether falsely use client's name
Insure, whether forge insurer address, if cheated the premium of insurer, whether the money of insurer insured in time
Deng.
Step S13, default excessive risk user's bar corresponding with the type of service is determined according to the information of the type of service
Part, user's condition of the user is determined according to the historical information of user.
Usually, different types of business is directed to different users, and the suitable crowd of certain types of business is also different.
Therefore, different business is directed to, insurance company can typically set different user's requirement conditions according to the characteristics of business, to arrange
Remove the client for not meeting the business need.Such as serious illness insurance, if insurer suffers from weight disease, it is clear that being once the throwing
Guarantor provides serious illness insurance service, then is certain to reduce the benefit of insurance company.In the present embodiment, different service types are directed to
Different excessive risk user's conditions is preset with, to exclude undesirable user according to the excessive risk user condition.This
Embodiment can be after the information for obtaining the type of service selected by user, according to the information of the type of service (such as industry
The title of service type) determine corresponding default excessive risk user condition.Meanwhile after user history information is obtained, can be with
User's condition of the user is determined according to the user history information, so as to subsequently by user's condition of the user with it is described pre-
If excessive risk user's condition is compared, judge whether user's condition of the user meets the requirement of the type of service.
For example, it is assumed that a user has genetic disorders, and the genetic disorders are attached most importance to disease, and the user selects
The information of type of service include serious illness insurance, then serious illness insurance of the present invention according to selected by user, it is determined that corresponding with serious illness insurance
Default excessive risk user condition.Meanwhile according to the history of the user obtained by above-mentioned steps insure information (such as including
As above record of genetic disorders history etc.), determine that user's condition of the user, such as user's condition are:Lost with family
Pass disease, and disease of attaching most importance to.
Step S14, user's condition of the user and default excessive risk corresponding with the information of the type of service are used
Family condition is compared, and when excessive risk user's condition is preset described in user's condition coupling in the user, judges the user
For black list user.
As described in example above, when user's selecting business type is serious illness insurance, the user that is determined according to user history information
Condition is:With genetic disorders, and disease of attaching most importance to, and the default excessive risk user's condition bag corresponding with serious illness insurance determined
Include:Client must not suffer from the genetic disorders for disease of attaching most importance to.Then, the present invention is by comparing, user's condition of the user
With the default excessive risk user condition coupling, and then it can determine that the user is black list user.
Alternatively, in order to reduce the error probability of black list user's result of determination, after the step S14, including:
The black list user is filtered, to reject the non-black list user in the black list user.Specifically, to judging
Filter operation is performed for black list user, rejects non-black list user, the user not rejected will be used as black list user.
Wherein, when the information of type of service includes the information of medical insurance kind, the filtering black list user, to pick
Except the non-black list user in the black list user, specifically include:
A1, the historical information of user according to corresponding to the black list user judge that user remembers with the presence or absence of medical treatment Claims Resolution
Record, when the historical information of user has medical treatment Claims Resolution record, judge whether the number of medical treatment Claims Resolution record is more than 1.
A2, when the number of medical treatment Claims Resolution record is more than 1, whether the reason for judging to produce medical treatment Claims Resolution record is medical wound
Evil and be not disease Claims Resolution, and produce medical treatment Claims Resolution record the reason for for medical injury and be not disease Claims Resolution when, judge institute
It is non-black list user to state user, and the non-black list user is rejected from the black list user.
In above-mentioned A1 and A2, when user has repeatedly medical treatment Claims Resolution record, the reason for judging to produce medical treatment Claims Resolution record
Whether be medical injury and be not disease Claims Resolution, produce medical treatment Claims Resolution record due to for medical injury and be not disease reason
During compensation, show the user subsequently produce disease Claims Resolution probability it is relatively low, therefore, the user can be eliminated to the black name of medical insurance kind
It is single, it is achieved thereby that the filtering of black list user.Certainly, if the reason for producing medical treatment Claims Resolution record is medical injury and is disease
Claims Resolution, or, if produce medical treatment Claims Resolution record the reason for be medical injury but be disease settle a claim when, it is black name to judge the user
Single user.
Further, it is medical injury and when medical injury is permanent injury the reason for produce medical treatment Claims Resolution record,
Because permanent injury most probably causes subsequently to produce disease Claims Resolution, therefore, in order to improve the benefit of insurance company, the A2 is specific
Including:
A21, judge produce medical treatment Claims Resolution record the reason for whether be medical injury and be not disease Claims Resolution, and produce doctor
Treat Claims Resolution record the reason for for medical injury and be not disease Claims Resolution when, judge whether the medical injury is permanent injury.
A22, when the medical injury is not permanent injury, it is non-black list user to judge the user, and from described
The non-black list user is rejected in black list user.
In above-mentioned A21 and A22, when the medical injury is permanent injury, judge the user for black list user.
Alternatively, in order to judge submit declaration form business personnel whether be some type of service blacklist, then perform institute
After stating step S14, including:
B1, receive the declaration form data that user submits.Here user is business personnel, and declaration form data include specific service class
Information corresponding to type, the also information including insurer, such as health data.
B2, the network transmission address for obtaining declaration form data and transmission time.
B3, judge that the network sends whether address is the address specified, and judge whether the transmission time is referring to
In fixed time range.
B4, to send address in the network be not the address specified, and/or, in the transmission time not when specified
Between in the range of when, judge the user for black list user.
In above-mentioned B1~B4, in the declaration form data of submission, some need business personnel to fill in, and some then need insurer in person
Fill in, now, can send whether address is the address specified by judging the network, and judge described whether send the time
Judge in specified time range, when condition all meets, judgement user is non-black list user, otherwise, judges user
For black list user, refuse declaration form corresponding to the declaration form data submitted by being determined as black list user (business personnel).
Alternatively, if the historical information that user is insurer and user include type of service insure number when, holding
After the row step S14, including:
Judge whether the number of insuring of user is more than default frequency threshold value of insuring, be more than in the number of insuring of user default
Insure frequency threshold value when, it is black list user to judge user corresponding to the historical information of the user.It is pointed out that this
In insure number can be insure number of the user under different service types summation, or same type of service or
Under similar traffic type (such as when type of service is respectively general medical danger and serious illness insurance, both are similar type of service)
Insure the summation of number.
In first embodiment of the invention, the information of type of service and the unique mark of user of user's selection, root are obtained
The historical information of user is captured according to the unique mark of user, is determined according to the information of the type of service corresponding with the type of service
Default excessive risk user's condition, user's condition of the user is determined according to the historical information of user, by the use of the user
Family condition and with the information of the type of service corresponding to preset excessive risk user's condition be compared, in the user of the user
When presetting excessive risk user's condition described in condition coupling, judge the user for black list user.Due to according to the service class
The information of type determines user's condition of default excessive risk corresponding with the type of service, therefore, it is possible to according to different service class
Type presets user's condition of excessive risk corresponding to flexibly determining, and then presets user's condition of high analyte and the use determined according to this
The matching result of family condition coupling judges whether user is black list user, so as to drastically increase the accurate of judged result
Property, probability of miscarriage of justice is reduced, improves the benefit of insurance company.
It should be understood that in embodiments of the present invention, the size of the sequence number of above-mentioned each process is not meant to the elder generation of execution sequence
Afterwards, the execution sequence of each process should be determined with its function and internal logic, the implementation process structure without tackling the embodiment of the present invention
Into any restriction.
Embodiment two:
Fig. 2 shows a kind of structure chart of the judgment means for black list user that second embodiment of the invention provides, and this is black
Name single user judgment means can be applied in various mobile terminals, the mobile terminal can include through wireless access network RAN with
The user equipment that one or more core nets are communicated, the user equipment can be mobile phone (or for " honeycomb " electricity
Words), there is the computer etc. of mobile device, for example, user equipment can also be portable, pocket, hand-held, in computer
Mobile device put or vehicle-mounted, they exchange voice and/or data with wireless access network.In another example the mobile device can
With including smart mobile phone, tablet personal computer, Jia Jiaoji, personal digital assistant PDA, point-of-sale terminal POS or vehicle-mounted computer etc..In order to just
In explanation, the part related to the embodiment of the present invention illustrate only.
The judgment means 2 of the black list user include:The information acquisition unit 21 of type of service, historical information placement unit
22nd, user's condition and type of service determining unit 23, first black list user's identifying unit 24.Wherein:
The information acquisition unit 21 of type of service, the information of the type of service selected for obtaining user and user are only
One mark.
It is pointed out that in order to constrain insurer and business personnel simultaneously, user here includes insurer, also including industry
Business person, to reduce declaration form risk.
Wherein, the information of type of service includes:The identification information of type of service, such as business personnel's inquiry, declaration form continuation of insurance, client
The type of service titles such as risk judgment, medical insurance kind, or, the symbol logo such as made an appointment.
The unique mark of user includes:Identification card number, passport No. etc.;Can also be the work of employee if user is business personnel
Number, name etc..
Historical information placement unit 22, for capturing the historical information of user according to the unique mark of user.
Wherein, the historical information of user includes following at least one:The history of user is insured, and Claims Resolution is recorded, declaration form is periodically tied
Time limit of calculation, amount of bad debt, by means of invoice overdue number of days, whether insured in client's declaration form, whether falsely use client's name
Insure, whether forge insurer address, if cheated the premium of insurer, whether the money of insurer insured in time
Deng.
User's condition and type of service determining unit 23, for being determined and the service class according to the information of the type of service
Excessive risk user's condition is preset corresponding to type, user's condition of the user is determined according to the historical information of user.
Usually, different types of business is directed to different users, and the suitable crowd of certain types of business is also different.
Therefore, different business is directed to, insurance company can typically set different user's requirement conditions according to the characteristics of business, to arrange
Remove the client for not meeting the business need.
First black list user's identifying unit 24, for by user's condition of the user and letter with the type of service
Excessive risk user's condition is preset corresponding to breath to be compared, and excessive risk user is preset described in user's condition coupling in the user
During condition, judge the user for black list user.
Specifically, user corresponding to the historical information of user is determined as to the black list user of the type of service.
Alternatively, in order to reduce the error probability of black list user's result of determination, the judgment means 2 of the black list user
Including:
Black list user's filter element, it is non-in the black list user to reject for filtering the black list user
Black list user.
Alternatively, when the information of type of service includes the information of medical insurance kind, black list user's filter element tool
Body includes:
Medical treatment Claims Resolution record whether there is judge module, the history letter for the user according to corresponding to the black list user
Breath judges that user records with the presence or absence of medical treatment Claims Resolution, when the historical information of user has medical treatment Claims Resolution record, judges medical reason
Whether the number for paying for record is more than 1.
The reason for medical treatment Claims Resolution records judge module, for when the number of medical treatment Claims Resolution record is more than 1, judging generation doctor
Whether the reason for treating Claims Resolution record is medical injury and is not that disease is settled a claim, and be medical in the reason for generation medical treatment Claims Resolution record
Injury and be not disease Claims Resolution when, it be non-black list user to judge the user, and from the black list user rejecting described in
Non- black list user.
Certainly, if the reason for producing medical treatment Claims Resolution record is medical injury and is disease Claims Resolution, or, if producing medical treatment reason
Pay for record the reason for be medical injury but be disease settle a claim when, judge the user for black list user.
Further, it is medical injury and when medical injury is permanent injury the reason for produce medical treatment Claims Resolution record,
Because permanent injury most probably causes subsequently to produce disease Claims Resolution, therefore, in order to improve the benefit of insurance company, the medical treatment reason
The reason for paying for record judge module includes:
Whether permanent injury judge module, whether be medical injury and not the reason for for judging to produce medical treatment Claims Resolution record
Be disease Claims Resolution, and produce medical treatment Claims Resolution record the reason for for medical injury and be not disease Claims Resolution when, judge the medical treatment
Whether injury is permanent injury.
Non- black list user rejects module, for when the medical injury is not permanent injury, judging that the user is
Non- black list user, and the non-black list user is rejected from the black list user.
Alternatively, in order to judge submit declaration form business personnel whether be some type of service blacklist, the blacklist
The judgment means 2 of user include:
Declaration form data receipt unit, for receiving the declaration form data of user's submission.Here user is business personnel, declaration form number
According to including information corresponding to specific type of service, the also information including insurer, such as health data.
Network sends address acquisition unit, and the network for obtaining declaration form data sends address and sends the time.
Network sends address comparing unit, for judging that the network sends whether address is the address specified, and sentences
Whether the disconnected transmission time is in specified time range.
Second black list user's identifying unit, it is not the address specified for sending address in the network, and/or,
When the transmission time is not in specified time range, judge the user for black list user.
In the declaration form data of submission, some need business personnel to fill in, and some then need insurer to fill in person, now, can
Send whether address is the address specified by judging the network, and judge described whether to send the time in the specified time
In the range of judge, when condition all meets, judgement user is non-black list user.
Alternatively, if the historical information that user is insurer and user include type of service insure number when, it is described black
The judgment means 2 of name single user include:
Insure number comparing unit, for judging whether the number of insuring of user is more than default frequency threshold value of insuring,
User insure number be more than it is default insure frequency threshold value when, it is black name to judge user corresponding to the historical information of the user
Single user.It is pointed out that number of insuring here can be the summation of insure number of the user under different service types,
Can also be same type of service or similar traffic type (such as when type of service be respectively general medical danger with serious illness insurance when, two
Person is similar type of service) under number of insuring summation.
It is corresponding with the type of service pre- due to being determined according to the information of the type of service in second embodiment of the invention
If user's condition of excessive risk, therefore, it is possible to preset the user of excessive risk according to corresponding to the flexibly determination of different types of service
Condition, and then whether user is judged according to the matching result of the user's condition and user's condition coupling of determination of presetting high analyte
For black list user, so as to drastically increase the accuracy of judged result, probability of miscarriage of justice is reduced, improves the effect of insurance company
Benefit.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, application-specific and design constraint depending on technical scheme.Professional and technical personnel
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the present invention.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.
In several embodiments provided herein, it should be understood that disclosed systems, devices and methods, can be with
Realize by another way.For example, device embodiment described above is only schematical, for example, the unit
Division, only a kind of division of logic function, can there is other dividing mode, such as multiple units or component when actually realizing
Another system can be combined or be desirably integrated into, or some features can be ignored, or do not perform.It is another, it is shown or
The mutual coupling discussed or direct-coupling or communication connection can be the indirect couplings by some interfaces, device or unit
Close or communicate to connect, can be electrical, mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.
If the function is realized in the form of SFU software functional unit and is used as independent production marketing or in use, can be with
It is stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part to be contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are causing a computer equipment (can be
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the present invention.
And foregoing storage medium includes:USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access are deposited
Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all be contained
Cover within protection scope of the present invention.Therefore, protection scope of the present invention described should be defined by scope of the claims.
Claims (10)
1. a kind of determination methods of black list user, it is characterised in that methods described includes:
Obtain the information of type of service and the unique mark of user of user's selection;
The historical information of user is captured according to the unique mark of user;
Default excessive risk user's condition corresponding with the type of service is determined according to the information of the type of service, according to user's
Historical information determines user's condition of the user;
User's condition of the user and default excessive risk user's condition corresponding with the information of the type of service are compared
It is right, when presetting excessive risk user's condition described in user's condition coupling in the user, judge the user for black list user.
2. according to the method for claim 1, it is characterised in that it is described by user's condition of the user and with the industry
Excessive risk user's condition is preset corresponding to the information of service type to be compared, and is preset described in user's condition coupling in the user
During excessive risk user's condition, after judging the user for black list user, including:
The black list user is filtered, to reject the non-black list user in the black list user.
3. according to the method for claim 2, it is characterised in that include the information of medical insurance kind in the information of type of service
When, the filtering black list user, to reject the non-black list user in the black list user, specifically include:
Judge that user records with the presence or absence of medical treatment Claims Resolution according to the historical information of user corresponding to the black list user, in user
Historical information exist medical treatment Claims Resolution record when, judge medical treatment Claims Resolution record number whether be more than 1;
When the number of medical treatment Claims Resolution record is more than 1, whether the reason for judging to produce medical treatment Claims Resolution record is medical injury and not
Be disease Claims Resolution, and produce medical treatment Claims Resolution record the reason for for medical injury and be not disease Claims Resolution when, judge the user
For non-black list user, and the non-black list user is rejected from the black list user.
4. according to the method for claim 3, it is characterised in that it is described judge produce medical treatment Claims Resolution record the reason for whether be
Medical injury and be not disease Claims Resolution, and produce medical treatment Claims Resolution record the reason for for medical injury and be not disease Claims Resolution when,
It is non-black list user to judge the user, and the non-black list user is rejected from the black list user, is specifically included:
Judge produce medical treatment Claims Resolution record the reason for whether be medical injury and be not disease Claims Resolution, and produce medical treatment Claims Resolution note
The reason for record be medical injury and be not disease Claims Resolution when, judge whether the medical injury is permanent injury;
When the medical injury is not permanent injury, it is non-black list user to judge the user, and is used from the blacklist
The non-black list user is rejected in family.
5. according to the method for claim 1, it is characterised in that it is described by user's condition of the user and with the industry
Excessive risk user's condition is preset corresponding to the information of service type to be compared, and is preset described in user's condition coupling in the user
During excessive risk user's condition, after judging the user for black list user, including:
Receive the declaration form data that user submits;
The network for obtaining declaration form data sends address and sends the time;
Judge that the network sends whether address is the address specified, and judge the transmission time whether in the specified time
In the range of;
It is not the address specified to send address in the network, and/or, in the transmission time not in specified time range
When, judge the user for black list user.
6. a kind of judgment means of black list user, it is characterised in that described device includes:
The information acquisition unit of type of service, for obtaining the information of type of service and unique mark of user of user's selection
Know;
Historical information placement unit, for capturing the historical information of user according to the unique mark of user;
User's condition and type of service determining unit, it is corresponding with the type of service for being determined according to the information of the type of service
Default excessive risk user condition, user's condition of the user is determined according to the historical information of user;
First black list user's identifying unit, for by user's condition of the user and corresponding with the information of the type of service
Default excessive risk user condition be compared, excessive risk user's condition is preset described in user's condition coupling in the user
When, judge the user for black list user.
7. device according to claim 6, it is characterised in that described device includes:
Black list user's filter element, for filtering the black list user, to reject the non-black name in the black list user
Single user.
8. device according to claim 7, it is characterised in that include the information of medical insurance kind in the information of type of service
When, black list user's filter element specifically includes:
Medical treatment Claims Resolution record whether there is judge module, and the historical information for the user according to corresponding to the black list user is sentenced
Disconnected user records with the presence or absence of medical treatment Claims Resolution, when the historical information of user has medical treatment Claims Resolution record, judges medical treatment Claims Resolution note
Whether the number of record is more than 1;
The reason for medical treatment Claims Resolution records judge module, for when the number of medical treatment Claims Resolution record is more than 1, judging to produce medical reason
Whether the reason for paying for record is medical injury and is not disease Claims Resolution, and be medical injury in the reason for generation medical treatment Claims Resolution record
And not when being disease Claims Resolution, it is non-black list user to judge the user, and is rejected from the black list user described non-black
Name single user.
9. device according to claim 8, it is characterised in that the reason for medical treatment Claims Resolution records judge module includes:
Whether permanent injury judge module, whether be medical injury and be not disease the reason for for judging and producing medical treatment Claims Resolution record
Pathology pay for, and produce medical treatment Claims Resolution record the reason for for medical injury and be not disease Claims Resolution when, judge the medical injury
Whether it is permanent injury;
Non- black list user rejects module, for when the medical injury is not permanent injury, judging that the user is non-black
Name single user, and the non-black list user is rejected from the black list user.
10. device according to claim 6, it is characterised in that described device includes:
Declaration form data receipt unit, for receiving the declaration form data of user's submission;
Network sends address acquisition unit, and the network for obtaining declaration form data sends address and sends the time;
Network sends address comparing unit, for judging that the network sends whether address is the address specified, and judges institute
State and send the time whether in specified time range;
Second black list user's identifying unit, it is not the address specified for sending address in the network, and/or, described
When sending the time not in specified time range, judge the user for black list user.
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CN108961078A (en) * | 2018-06-29 | 2018-12-07 | 泰康保险集团股份有限公司 | Insure the method, apparatus storage medium and electronic equipment of family's polymerization |
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CN110264242A (en) * | 2019-05-21 | 2019-09-20 | 中国平安人寿保险股份有限公司 | A kind of business handling qualification verification mechanism, equipment and computer readable storage medium |
CN110796553A (en) * | 2019-08-22 | 2020-02-14 | 中国平安财产保险股份有限公司 | Service request processing method, device, terminal and storage medium |
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