CN109727021A - A kind of social security method of payment and device - Google Patents
A kind of social security method of payment and device Download PDFInfo
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- CN109727021A CN109727021A CN201811535207.3A CN201811535207A CN109727021A CN 109727021 A CN109727021 A CN 109727021A CN 201811535207 A CN201811535207 A CN 201811535207A CN 109727021 A CN109727021 A CN 109727021A
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Abstract
The embodiment of the present invention provides a kind of social security method of payment and device, and the present invention relates to field of artificial intelligence, method includes: to obtain the insurance purchase request of user, and insurance purchase request carries the policy information of user and the social security payment instruction of user preset；Wherein, social security payment instruction includes the social security card number of user and the payment resource of the generated destination number of purchase insurance；Social security sector is connected by preset interface, and obtains social security account corresponding with social security card number in social security sector；The personal information in social security account is extracted, personal information includes address name, user identity card number, user's gender, user's household register；Personal information is matched with the policy information of user, and judges whether successful match；Payment resource if successful match, from the social security account of user or with deduction destination number in the associated bank account of social security account.When technical solution provided by the invention is able to solve social security purchase insurance the problem of payment control low efficiency.
Description
[technical field]
The present invention relates to field of artificial intelligence more particularly to a kind of social security method of payment and devices.
[background technique]
Currently, original common social security card is all substituted for financial social security card by city mostly, new financial social security card can be with
It swipes the card for medical treatment, can also carry out relevant financial operation, meet the use demand of numerous citizen's one card for multiple uses.But it is existing
Financial social security card does not support purchase private insurance, because existing insurance purchase platform cannot be effectively right with social security sector progress
It connects；Allow to dock, is also easy to appear social security fund and moves as his use.Therefore, payment pipe when how to improve social security purchase insurance
Controlling efficiency becomes current urgent problem to be solved.
[summary of the invention]
In view of this, the embodiment of the invention provides a kind of social security method of payment and devices, to solve in the prior art
When social security purchase insurance the problem of payment control low efficiency.
To achieve the goals above, according to an aspect of the invention, there is provided a kind of social security method of payment, the method
Include:
Request is bought in the insurance for obtaining user, and the insurance purchase request carries the policy information and the use of the user
The preset social security payment instruction in family；Wherein, the social security payment instruction includes social security card number and the purchase guarantor of the user
The payment resource of destination number caused by danger；Social security sector is connected by preset interface, and is obtained in the social security sector
Social security account corresponding with the social security card number；The personal information in the social security account is extracted, the personal information includes
Address name, user identity card number, user's gender, user's household register；By the policy information of the personal information and the user into
Row matching, and judge whether successful match；If successful match, it is associated with from the social security account of the user or with the social security account
Bank account in deduct the payment resource of the destination number.
Further, the personal information is matched described with the policy information of the user, and judged whether
After successful match, and the social security account from the user or with deducted in the associated bank account of social security account
Before the payment resource of the destination number, the method also includes: if it fails to match, obtain the shared of the social security account
Account, the shared account are that account is shared by the family of social security account binding；Extract the account letter in the shared account
Breath, people's name, shared people's social security card number, shared people's identification card number, shared human nature is other, shares people including sharing for the account information
Household register；The account information and the personal information are matched with the policy information of the user, and judge whether to match
Success.
Further, the social security account from the user or with deducted in the associated bank account of social security account
The payment resource of the destination number, comprising: judge whether the personal remaining sum of the social security account is greater than the destination number；When
When individual's remaining sum is greater than the destination number, Xiang Suoshu user sends the first payment affirmation information, and first payment is true
Recognize information and carry the first payment approach and the destination number, wherein the first payment approach is the social security account of the user
The personal remaining sum at family；In response to the first payment affirmation information, obtain the first facial image that the user returns and with institute
State associated second facial image of social security account；Calculate the similarity of first facial image Yu second facial image；
When the similarity is greater than preset value, confirm that the user matches with the social security account；From the social security account of the user
Personal remaining sum in deduct the payment resource of the destination number.
Further, the social security account from the user or with deducted in the associated bank account of social security account
The payment resource of the destination number, comprising:
Judge whether the personal remaining sum of the social security account is greater than the destination number；Described in being less than when the personal remaining sum
When destination number, the shared account is obtained, and judge whether the personal remaining sum of the shared account is greater than the destination number；
When the personal remaining sum of the shared account is greater than the destination number, Xiang Suoshu user sends the second payment affirmation information, institute
It states the second payment affirmation information and carries the second payment approach and the destination number, wherein the second payment approach is described
The personal remaining sum of shared account；In response to the second payment affirmation information, the first facial image that the user returns is obtained
And with associated second facial image of the social security account；Calculate the phase of first facial image with second facial image
Like degree；When the similarity is greater than preset value, confirm that the user matches with the social security account；It is closed from the social security account
The payment resource of the destination number is deducted in the personal remaining sum of the shared account of connection.
Further, the social security account from the user or with deducted in the associated bank account of social security account
The payment resource of the destination number, further includes:
Judge whether the personal remaining sum of the social security account is greater than the destination number；When the social security account individual more than
When volume is less than the destination number, Xiang Suoshu user sends third payment affirmation information, and the third payment affirmation information carries
Third pays approach and the destination number, wherein the third payment approach is the associated bank account of social security account；
In response to the third payment affirmation information, the confirmation message that the user returns is obtained；Institute is deducted from the bank account
State the payment resource of destination number.
Further, described that social security sector is connected by preset interface, to obtain user described in the social security sector
Social security account method, comprising: the target social security system that the social security card is belonged to is inquired according to the social security card number of the user
System；Obtain user's described in the target social security sector by data adaptation interface corresponding with the target social security sector
Social security account.
To achieve the goals above, according to an aspect of the invention, there is provided a kind of social security payment mechanism, described device
Include:
Request is bought in first acquisition unit, the insurance for obtaining user, and the insurance purchase request carries the user
Policy information and the user preset social security payment instruction；Wherein, the social security payment instruction includes the society of the user
Protect the payment resource of destination number caused by card number and the purchase insurance；Second acquisition unit, for being connect by preset
Mouth connection social security sector, and obtain social security account corresponding with the social security card number in the social security sector；First extracts list
Member, for extracting the personal information in the social security account, the personal information includes address name, user identity card number, uses
Family gender, user's household register；First matching unit, for the personal information to be matched with the policy information of the user,
And judge whether successful match；Deduct unit, if being used for successful match, from the social security account of the user or with the social security account
The payment resource of the destination number is deducted in the associated bank account in family.
Further, the deduction unit includes: judgment sub-unit, for judging that the personal remaining sum of the social security account is
It is no to be greater than the destination number；First transmission sub-unit is used for when the personal remaining sum is greater than the destination number, Xiang Suoshu
User sends the first payment affirmation information, and the first payment affirmation information carries the first payment approach and the destination number,
Wherein, the first payment approach is the personal remaining sum of the social security account of the user；First obtain subelement, in response to
The first payment affirmation information, obtain the first facial image that the user returns and with the social security account associated second
Facial image；Computation subunit, for calculating the similarity of first facial image Yu second facial image；Confirmation
Unit, for confirming that the user matches with the social security account when the similarity is greater than preset value；First deducts son list
Member, for deducting the payment resource of the destination number from the personal remaining sum of the social security account of the user.
To achieve the goals above, according to an aspect of the invention, there is provided a kind of computer non-volatile memories are situated between
Matter, the storage medium include the program of storage, control equipment where the storage medium in described program operation and execute
The social security method of payment stated.
To achieve the goals above, according to an aspect of the invention, there is provided a kind of computer equipment, including memory
And processor, the memory is for storing the information including program instruction, and the processor is for controlling holding for program instruction
The step of row, described program instruction realizes above-mentioned social security method of payment when being loaded and executed by processor.
In the present solution, transferring the individual of the social security account in social security sector by preset interface connection social security sector
Information matches personal information with policy information, after veritification, from social security account or with the associated bank's account of social security account
Insurance is deducted in family and buys generated expense, social security card payment is realized and insures, and improves social security payment control efficiency.
[Detailed description of the invention]
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this field
For those of ordinary skill, without any creative labor, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of flow chart of social security method of payment according to an embodiment of the present invention；
Fig. 2 is a kind of schematic diagram of social security payment mechanism according to an embodiment of the present invention；
Fig. 3 is a kind of schematic diagram of computer equipment according to an embodiment of the present invention.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawing
It states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
Its embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodiments
The present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the"
It is also intended to including most forms, unless the context clearly indicates other meaning.
It should be appreciated that term "and/or" used herein is only a kind of incidence relation for describing affiliated partner, indicate
There may be three kinds of relationships, for example, A and/or B, can indicate: individualism A, exist simultaneously A and B, individualism B these three
Situation.In addition, character "/" herein, typicallys represent the relationship that forward-backward correlation object is a kind of "or".
It will be appreciated that though terminal may be described using term first, second, third, etc. in embodiments of the present invention,
But these terminals should not necessarily be limited by these terms.These terms are only used to for terminal being distinguished from each other out.For example, not departing from the present invention
In the case where scope of embodiments, first terminal can also be referred to as second terminal, and similarly, second terminal can also be referred to as
One terminal.
Depending on context, word as used in this " if " can be construed to " ... when " or " when ...
When " or " in response to determination " or " in response to detection ".Similarly, depend on context, phrase " if it is determined that " or " if detection
(condition or event of statement) " can be construed to " when determining " or " in response to determination " or " when the detection (condition of statement
Or event) when " or " in response to detection (condition or event of statement) ".
Fig. 1 is a kind of flow chart of social security method of payment according to an embodiment of the present invention, as shown in Figure 1, this method comprises:
Step S101, obtains the insurance purchase request of user, and insurance purchase request carries policy information and the user of user
Preset social security payment instruction；Wherein, social security payment instruction includes that generated target is insured in the social security card number of user and purchase
The payment resource of quantity.
Specifically, the insurance of purchase needed for user can select in client simultaneously submits insurance purchase request, when client terminates
When receiving insurance purchase request, server can obtain user's policy information to be purchased, by parsing to policy information
And obtain the number of policy in policy information, the insurance kind of place insurance, the title of place insurance, insurer and its identification card number, by
Beneficial people and its identification card number, purchase insure the payment resource of generated destination number.Then, client is asked according to insurance purchase
Social security payment instruction in asking turns to skip to payment audit interface.
Step S102 connects social security sector by preset interface, and obtains corresponding with social security card number in social security sector
Social security account.
Specifically, the target social security sector that social security card is belonged to is inquired according to the social security card number of user；By with target society
The corresponding data adaptation interface of insurance system obtains the social security account of user in target social security sector.
It is to be appreciated that the social security sector and version having a certain difference property in each city in the whole nation, by preset
Interface linking objective social security sector enables the server to accurately obtain the social security card in target social security sector with user's input
Number corresponding social security account, and further required data are read from the social security account.Wherein, preset interface with
A corresponding social security sector is corresponding, for example, when being Guangzhou according to the ownership place that the social security card number of user is inquired to obtain social security card,
It calls the interface to match with Guangzhou social security sector to dock Guangzhou social security sector, and then therefrom obtains required information data.
Step S103, extract social security account in personal information, personal information include address name, user identity card number,
User's gender, user's household register.Such as personal information can be obtained by preset target field.Target field such as name,
Gender, household register, identification card number, social security number etc..
Personal information is matched with the policy information of user, and judges whether successful match by step S104.Specifically
Ground matches personal information with name, identification card number, gender, the household register of insurer or beneficiary in policy information.
Step S105, if successful match, from the social security account of user or with deducted in the associated bank account of social security account
The payment resource of destination number.It is to be appreciated that the data in policy information match with the personal information in social security account
When, it is believed that the social security account of user can be used in declaration form payment, otherwise, it is impossible to pay for declaration form.
In the present solution, transferring the individual of the social security account in social security sector by preset interface connection social security sector
Information matches personal information with policy information, after veritification, from social security account or with the associated bank's account of social security account
Insurance is deducted in family and buys generated expense, social security card payment is realized and insures, and improves social security payment control efficiency.
Optionally, after extracting the personal information in social security account, method further include:
Obtain the insurance kind inventory that social security payment is granted in social security sector；Wherein, insurance kind include unexpected road risk, endowment insurance,
Major disease danger and child-bearing fund danger etc..By the insurance kind progress of the place insurance in the policy information of insurance kind inventory and user
Match, and judges insurance kind whether in insurance kind inventory；When insurance kind is in insurance kind inventory, by the policy information of personal information and user
It is matched, and judges whether successful match.It is to be appreciated that the insurance kind in policy information is matched with insurance kind inventory,
It is capable of the reasonable and effective use of effective guarantee social security fund.
Optionally, before the insurance purchase request for obtaining user, method further include:
The social security card bind request of user is obtained, social security card is financial social security card, and social security card bind request includes social security account
Family, the cell-phone number with the associated bank account of social security account and with bank account binding；Send the identifying code for binding authentication
To cell-phone number；Obtain the check code of user's input；Judge whether check code is consistent with identifying code, if so, binding success.
User can carry out user's registration before client buys insurance, and registration while carries out social security card binding, lead to
After crossing binding authentication, user can realize the purchase payment of insurance by social security card, convenient and efficient.
Optionally, personal information is being matched with the policy information of user, and after judging whether successful match, and
From the social security account of user or in the associated bank account of social security account deduct destination number payment resource before, method
Further include:
If it fails to match, the shared account of social security account is obtained, it is shared to share the family that account is the binding of social security account
Account.Such as the wife of user account or child account.
The account information in shared account is extracted, account information includes shared people's name, shared people's social security card number, shared people
Identification card number, shared human nature is other, shares people's household register；Account information and personal information are matched with the policy information of user,
And judge whether successful match.
For example, then needing to obtain the shared account of social security account when the beneficiary in policy information is not insurer itself
Family, by matching shared people's name in shared account with the beneficiary in policy information, successful match then thinks to use
The social security account at family can be used in declaration form payment, otherwise, it is impossible to pay for declaration form.To avoid the abuse of social security fund,
Improve the accuracy and safety of social security payment.
Optionally, the payment from the social security account of user or with deduction destination number in the associated bank account of social security account
Resource, comprising: judge whether the personal remaining sum of social security account is greater than destination number；When personal remaining sum is greater than destination number, to
User sends payment affirmation information, and payment affirmation information carries the first payment approach and destination number, wherein the first payment approach
For the personal remaining sum of the social security account of user；In response to the first payment affirmation information, the first facial image that user returns is obtained
And with associated second facial image of social security account；Calculate the similarity of the first facial image and the second facial image；When similar
When degree is greater than preset value, confirmation user matches with social security account；Number of targets is deducted from the personal remaining sum of the social security account of user
The payment resource of amount.
Wherein, the first facial image is the user's acquired in real time by the camera in the mobile device where client
Facial image, the second facial image are that user handles the facial image uploaded when social security account.
Optionally, the payment from the social security account of user or with deduction destination number in the associated bank account of social security account
Resource, comprising: judge whether the personal remaining sum of social security account is greater than destination number；When personal remaining sum is less than destination number, obtain
Shared account is taken, and judges whether the personal remaining sum of shared account is greater than destination number；When the personal remaining sum of shared account is greater than
When destination number, the second payment affirmation information is sent to user, the second payment affirmation information carries the second payment approach and target
Quantity, the second payment approach are the personal remaining sum of shared account.In response to the second payment affirmation information, obtain that user returns the
One facial image and with associated second facial image of social security account；It is similar to the second facial image to calculate the first facial image
Degree；When similarity is greater than preset value, confirmation user matches with social security account；From the individual of the associated shared account of social security account
The payment resource of destination number is deducted in remaining sum.
It is to be appreciated that the real-time face image by user is matched with the facial image in social security sector, it can
The efficiency of social security payment management is further increased, ensures the safety of social security account, avoids stealing the case where brush is usurped.
Optionally, the payment from the social security account of user or with deduction destination number in the associated bank account of social security account
Resource, comprising: judge whether the personal remaining sum of social security account is greater than destination number；When personal remaining sum is less than destination number, to
User sends third payment affirmation information, and third payment affirmation information carries third payment approach and destination number, wherein third
Payment approach is the associated bank account of social security account；In response to third payment affirmation information, the confirmation letter that user returns is obtained
Breath, wherein confirmation message for example can be bank paying password, payment fingerprint, payment gesture etc.；Mesh is deducted from bank account
Mark the payment resource of quantity.
It is to be appreciated that social security card it is personal Sorry, your ticket has not enough value with deduct insurance premium when, can switch to the social security card
Bank account is withholdd.The Financial Attribute of social security card is made full use of to realize private insurance consumption, it is convenient and efficient.
The embodiment of the invention provides a kind of social security payment mechanism, the social security payment mechanism is for executing above-mentioned social security payment
Method, as shown in Fig. 2, the device includes: first acquisition unit 10, second acquisition unit 20, the first extraction unit 30, first
With unit 40, deduct unit 50.
Request is bought in first acquisition unit 10, the insurance for obtaining user, and insurance purchase request carries the declaration form of user
The social security payment instruction of information and user preset；Wherein, social security payment instruction includes social security card number and the purchase insurance institute of user
The payment resource of the destination number of generation.
Specifically, the insurance of purchase needed for user can select in client simultaneously submits insurance purchase request, when client terminates
When receiving insurance purchase request, server can obtain user's policy information to be purchased, by parsing to policy information
And obtain the number of policy in policy information, the insurance kind of place insurance, the title of place insurance, insurer and its identification card number, by
Beneficial people and its identification card number, purchase insure the payment resource of generated destination number.Then, client is asked according to insurance purchase
Social security payment instruction in asking turns to skip to payment audit interface.
Second acquisition unit 20, for by preset interface connection social security sector, and obtain in social security sector with social security
The corresponding social security account of card number.
Optionally, second acquisition unit 20 include inquiry subelement and obtain subelement, inquire subelement, for according to
The target social security sector that the social security card number inquiry social security card at family is belonged to；Obtain subelement, for by with target social security sector
Corresponding data adaptation interface obtains the social security account of user in target social security sector.
It is to be appreciated that the social security sector and version having a certain difference property in each city in the whole nation, by preset
Interface linking objective social security sector enables the server to accurately obtain the social security card in target social security sector with user's input
Number corresponding social security account, and further required data are read from the social security account.Wherein, preset interface with
A corresponding social security sector is corresponding, for example, when being Guangzhou according to the ownership place that the social security card number of user is inquired to obtain social security card,
It calls the interface to match with Guangzhou social security sector to dock Guangzhou social security sector, and then therefrom obtains required information data.
First extraction unit 30, for extracting the personal information in social security account, personal information includes address name, user
Identification card number, user's gender, user's household register.Such as personal information can be obtained by preset target field.Target field
Such as name, gender, household register, identification card number, social security number etc..
First matching unit 40 for matching personal information with the policy information of user, and judges whether to match
Success.Specifically, by the name of insurer or beneficiary in personal information and policy information, identification card number, gender, household register into
Row matching.
Deduct unit 50, if being used for successful match, from the social security account of user or with the associated bank account of social security account
The middle payment resource for deducting destination number.It is to be appreciated that when the personal information in the data and social security account in policy information
When matching, it is believed that the social security account of user can be used in declaration form payment, otherwise, it is impossible to pay for declaration form.
In the present solution, transferring the individual of the social security account in social security sector by preset interface connection social security sector
Information matches personal information with policy information, after veritification, from social security account or with the associated bank's account of social security account
Insurance is deducted in family and buys generated expense, social security card payment is realized and insures, and improves social security payment control efficiency.
Optionally, device further includes third acquiring unit and the second matching unit.
Third acquiring unit, for obtaining the insurance kind inventory for granting social security payment in social security sector；Wherein, insurance kind includes meaning
Outer road risk, endowment insurance, major disease danger and child-bearing fund danger etc..Second matching unit, for by insurance kind inventory and user
Whether the insurance kind of the place insurance in policy information is matched, and judge insurance kind in insurance kind inventory；When insurance kind is clear in insurance kind
When in list, personal information is matched with the policy information of user, and judge whether successful match.It is to be appreciated that will protect
Insurance kind in single information is matched with insurance kind inventory, is capable of the reasonable and effective use of effective guarantee social security fund.
Optionally, device further include: the 4th acquiring unit, transmission unit, the 5th acquiring unit, judging unit.
4th acquiring unit, for obtaining the social security card bind request of user, social security card is financial social security card, and social security card is tied up
Fixed request includes social security account, the cell-phone number with the associated bank account of social security account and with bank account binding；Transmission unit,
For sending the identifying code for being used to bind authentication to cell-phone number；5th acquiring unit, for obtaining the check code of user's input；Sentence
Disconnected unit, for judging whether check code is consistent with identifying code, if so, binding success.
User can carry out user's registration before client buys insurance, and registration while carries out social security card binding, lead to
After crossing binding authentication, user can realize the purchase payment of insurance by social security card, convenient and efficient.
Optionally, device further includes the 6th acquiring unit, the second extraction unit, third matching unit.
6th acquiring unit, for when it fails to match, the shared account of acquisition social security account, sharing account to be social security account
Account is shared by the family of binding.Such as the wife of user account or child account.Second extraction unit, it is shared for extracting
Account information in account, account information include shared people's name, shared people's social security card number, shared people's identification card number, shared people
Gender, shared people's household register；A third matching unit, for carrying out the policy information of account information and personal information and user
Match, and judges whether successful match.
For example, then needing to obtain the shared account of social security account when the beneficiary in policy information is not insurer itself
Family, by matching shared people's name in shared account with the beneficiary in policy information, successful match then thinks to use
The social security account at family can be used in declaration form payment, otherwise, it is impossible to pay for declaration form.To avoid the abuse of social security fund,
Improve the accuracy and safety of social security payment.
Optionally, unit 50 is deducted to include judgment sub-unit, the first transmission sub-unit, the first acquisition subelement, calculate son
Unit, confirmation subelement, first deduct subelement.
Judgment sub-unit, for judging whether the personal remaining sum of social security account is greater than destination number；Transmission sub-unit is used for
When personal remaining sum is greater than destination number, the first payment affirmation information is sent to user, the first payment affirmation information carries first
Payment approach and destination number, wherein the first payment approach is the personal remaining sum of the social security account of user；First obtains son list
Member, in response to the first payment affirmation information, obtain the first facial image that user returns and with social security account associated the
Two facial images；Computation subunit, for calculating the similarity of the first facial image and the second facial image；Confirm subelement,
For when similarity is greater than preset value, confirmation user to match with social security account；First deducts subelement, for the society from user
It protects in the personal remaining sum of account and deducts the payment resource of destination number.
Wherein, the first facial image is the user's acquired in real time by the camera in the mobile device where client
Facial image, the second facial image are that user handles the facial image uploaded when social security account.
Optionally, deduct unit 50 further include: second obtain subelement, the second transmission sub-unit, third obtain subelement,
Second deducts unit.
Second obtains subelement, for obtaining shared account when personal remaining sum is less than destination number, and judges shared account
Whether the personal remaining sum at family is greater than destination number；Second transmission sub-unit, for being greater than target when the personal remaining sum of shared account
When quantity, the second payment affirmation information is sent to user, the second payment affirmation information carries the second payment approach and destination number,
Second payment approach is the personal remaining sum of shared account；Third obtains subelement, for obtaining in response to the second payment affirmation information
Take family return the first facial image and with associated second facial image of social security account；Third deduct subelement, for from
The payment resource of destination number is deducted in the personal remaining sum of the associated shared account of social security account.
It is to be appreciated that the real-time face image by user is matched with the facial image in social security sector, it can
The efficiency of social security payment management is further increased, ensures the safety of social security account, avoids stealing the case where brush is usurped.
Optionally, unit 50 is deducted further include: third transmission sub-unit, the 4th obtain subelement, third deduction subelement.
Third transmission sub-unit, for sending third payment affirmation letter to user when personal remaining sum is less than destination number
Breath, third payment affirmation information carry third payment approach and destination number, wherein third pays approach as the association of social security account
Bank account；4th obtains subelement, for obtaining the confirmation message that user returns in response to third payment affirmation information,
Wherein, confirmation message for example can be bank paying password, payment fingerprint, payment gesture etc.；Third deduct subelement, for from
The payment resource of destination number is deducted in bank account.
It is to be appreciated that social security card it is personal Sorry, your ticket has not enough value with deduct insurance premium when, can switch to the social security card
Bank account is withholdd.The Financial Attribute of social security card is made full use of to realize private insurance consumption, it is convenient and efficient.
The embodiment of the invention provides a kind of computer non-volatile memory medium, storage medium includes the program of storage,
Wherein, when program is run, equipment where control storage medium executes following steps:
Request is bought in the insurance for obtaining user, and insurance purchase request carries the policy information of user and the social security of user preset
Payment instruction；Wherein, social security payment instruction includes the social security card number of user and the payment of the generated destination number of purchase insurance
Resource；Social security sector is connected by preset interface, and obtains social security account corresponding with social security card number in social security sector；It mentions
The personal information in social security account is taken, personal information includes address name, user identity card number, user's gender, user's household register；It will
Personal information is matched with the policy information of user, and judges whether successful match；If successful match, from the social security account of user
Family or in the associated bank account of social security account deduct destination number payment resource.
Optionally, when program is run, equipment where control storage medium also executes following steps: if it fails to match, obtaining
The shared account of social security account is taken, the family that account is the binding of social security account is shared and shares account；Extract the account in shared account
Family information, people's name, shared people's social security card number, shared people's identification card number, shared human nature is other, shares people including sharing for account information
Household register；Account information and personal information are matched with the policy information of user, and judge whether successful match.
Optionally, when program is run, equipment where control storage medium also executes following steps: judging social security account
Whether personal remaining sum is greater than destination number；When personal remaining sum is greater than destination number, the first payment affirmation information is sent to user,
First payment affirmation information carries the first payment approach and destination number, wherein the first payment approach is the social security account of user
Personal remaining sum；In response to the first payment affirmation information, the first facial image and be associated with social security account that user returns are obtained
The second facial image；Calculate the similarity of the first facial image and the second facial image；When similarity is greater than preset value, really
Recognize user to match with social security account；The payment resource of destination number is deducted from the personal remaining sum of the social security account of user.
Optionally, when program is run, equipment where control storage medium also executes following steps: judging social security account
Whether personal remaining sum is greater than destination number；When personal remaining sum is less than destination number, shared account is obtained, and judges shared account
Personal remaining sum whether be greater than destination number；When the personal remaining sum of shared account is greater than destination number, second is sent to user
Payment affirmation information, the second payment affirmation information carry the second payment approach and destination number, wherein the second payment approach is total
Enjoy the personal remaining sum of account；In response to the second payment affirmation information, obtain the first facial image that user returns and with social security account
Associated second facial image in family；Calculate the similarity of the first facial image and the second facial image；It is preset when similarity is greater than
When value, confirmation user matches with social security account；Destination number is deducted from the personal remaining sum of the associated shared account of social security account
Payment resource.
Optionally, when program is run, equipment where control storage medium also executes following steps: judging social security account
Whether personal remaining sum is greater than destination number；When the personal remaining sum of social security account is less than destination number, third branch is sent to user
Confirmation message is paid, third payment affirmation information carries third payment approach and destination number, wherein it is social security that third, which pays approach,
The associated bank account of account；In response to third payment affirmation information, the confirmation message that user returns is obtained；From bank account
Deduct the payment resource of destination number.
The embodiment of the invention provides a kind of computer equipment 100, including memory 101 and processor 102, memories
101 for storing the information including program instruction 103, and processor 102 is used to control the execution of program instruction 103, program instruction
It is performed the steps of when being loaded and executed by processor
Request is bought in the insurance for obtaining user, and insurance purchase request carries the policy information of user and the social security of user preset
Payment instruction；Wherein, social security payment instruction includes the social security card number of user and the payment of the generated destination number of purchase insurance
Resource；Social security sector is connected by preset interface, and obtains social security account corresponding with social security card number in social security sector；It mentions
The personal information in social security account is taken, personal information includes address name, user identity card number, user's gender, user's household register；It will
Personal information is matched with the policy information of user, and judges whether successful match；If successful match, from the social security account of user
Family or in the associated bank account of social security account deduct destination number payment resource.
Optionally, if also performing the steps of when program instruction is loaded and executed by processor, it fails to match, obtains society
The shared account of account is protected, the family that account is the binding of social security account is shared and shares account；Extract the account letter in shared account
Breath, people's name, shared people's social security card number, shared people's identification card number, shared human nature is other, shares people family including sharing for account information
Nationality；Account information and personal information are matched with the policy information of user, and judge whether successful match.
Optionally, the individual for judging social security account is also performed the steps of when program instruction is loaded and executed by processor
Whether remaining sum is greater than destination number；When personal remaining sum be greater than destination number when, to user send the first payment affirmation information, first
Payment affirmation information carries the first payment approach and destination number, wherein the first payment approach is of the social security account of user
People's remaining sum；In response to the first payment affirmation information, obtain the first facial image that user returns and with social security account associated the
Two facial images；Calculate the similarity of the first facial image and the second facial image；When similarity is greater than preset value, confirmation is used
Family is matched with social security account；The payment resource of destination number is deducted from the personal remaining sum of the social security account of user.
Optionally, the individual for judging social security account is also performed the steps of when program instruction is loaded and executed by processor
Whether remaining sum is greater than destination number；When personal remaining sum is less than destination number, shared account is obtained, and judges of shared account
Whether people's remaining sum is greater than destination number；When the personal remaining sum of shared account is greater than destination number, the second payment is sent to user
Confirmation message, the second payment affirmation information carry the second payment approach and destination number, wherein the second payment approach is shared account
The personal remaining sum at family；In response to the second payment affirmation information, the first facial image and close with social security account that user returns are obtained
Second facial image of connection；Calculate the similarity of the first facial image and the second facial image；When similarity is greater than preset value,
Confirmation user matches with social security account；The payment of destination number is deducted from the personal remaining sum of the associated shared account of social security account
Resource.
Optionally, the individual for judging social security account is also performed the steps of when program instruction is loaded and executed by processor
Whether remaining sum is greater than destination number；When the personal remaining sum of social security account is less than destination number, it is true that third payment is sent to user
Recognize information, third payment affirmation information carries third payment approach and destination number, wherein it is social security account that third, which pays approach,
Associated bank account；In response to third payment affirmation information, the confirmation message that user returns is obtained；It is deducted from bank account
The payment resource of destination number.
It should be noted that terminal involved in the embodiment of the present invention can include but is not limited to personal computer
(Personal Computer, PC), personal digital assistant (Personal Digital Assistant, PDA), wireless handheld
Equipment, tablet computer (Tablet Computer), mobile phone, MP3 player, MP4 player etc..
It is understood that the application can be mounted in the application program (nativeApp) in terminal, or may be used also
To be a web page program (webApp) of browser in terminal, the embodiment of the present invention is to this without limiting.
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, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or group
Part can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown
Or the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, device or unit it is indirect
Coupling or communication connection can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
It is each that device (can be personal computer, server or network equipment etc.) or processor (Processor) execute the present invention
The part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read-
Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is various
It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.
Claims (10)
1. a kind of social security method of payment, which is characterized in that the described method includes:
The insurance purchase request of user is obtained, the policy information of the insurance purchase request carrying user and the user are pre-
If social security payment instruction；Wherein, the social security payment instruction includes social security card number and the purchase insurance institute of the user
The payment resource of the destination number of generation；
Social security sector is connected by preset interface, and obtains social security corresponding with the social security card number in the social security sector
Account；
The personal information in the social security account is extracted, the personal information includes address name, user identity card number, Yong Huxing
Not, user's household register；
The personal information is matched with the policy information of the user, and judges whether successful match；
If successful match, from the social security account of the user or with deduct the mesh in the associated bank account of social security account
Mark the payment resource of quantity.
2. the method according to claim 1, wherein in the declaration form by the personal information and the user
Information is matched, and after judging whether successful match, and the social security account from the user or with the social security
Before the payment resource for deducting the destination number in the associated bank account of account, the method also includes:
If it fails to match, the shared account of the social security account is obtained, the shared account is social security account binding
Account is shared by family；
The account information in the shared account is extracted, the account information includes shared people's name, shares people's social security card number, is total
Enjoy people's identification card number, shared human nature not, shared people's household register；
The account information and the personal information are matched with the policy information of the user, and judge whether matching at
Function.
3. the method according to claim 1, wherein the social security account from the user or with the social security
The payment resource of the destination number is deducted in the associated bank account of account, comprising:
Judge whether the personal remaining sum of the social security account is greater than the destination number；
When the personal remaining sum is greater than the destination number, Xiang Suoshu user's the first payment affirmation information of transmission, described first
Payment affirmation information carries the first payment approach and the destination number, wherein the first payment approach is the user's
The personal remaining sum of social security account；
In response to the first payment affirmation information, obtain the first facial image that the user returns and with the social security account
Associated second facial image；
Calculate the similarity of first facial image Yu second facial image；
When the similarity is greater than preset value, confirm that the user matches with the social security account；
The payment resource of the destination number is deducted from the personal remaining sum of the social security account of the user.
4. according to the method described in claim 2, it is characterized in that, the social security account from the user or with the social security
The payment resource of the destination number is deducted in the associated bank account of account, comprising:
Judge whether the personal remaining sum of the social security account is greater than the destination number；
When the personal remaining sum is less than the destination number, the shared account is obtained, and judge of the shared account
Whether people's remaining sum is greater than the destination number；
When the personal remaining sum of the shared account is greater than the destination number, Xiang Suoshu user sends the second payment affirmation letter
Breath, the second payment affirmation information carry the second payment approach and the destination number, wherein the second payment approach is
The personal remaining sum of the shared account；
In response to the second payment affirmation information, obtain the first facial image that the user returns and with the social security account
Associated second facial image；
Calculate the similarity of first facial image Yu second facial image；
When the similarity is greater than preset value, confirm that the user matches with the social security account；
The payment resource of the destination number is deducted from the personal remaining sum of the associated shared account of the social security account.
5. the method according to claim 1, wherein the social security account from the user or with the social security
The payment resource of the destination number is deducted in the associated bank account of account, further includes:
Judge whether the personal remaining sum of the social security account is greater than the destination number；
When the personal remaining sum of the social security account is less than the destination number, Xiang Suoshu user sends third payment affirmation letter
Breath, the third payment affirmation information carry third payment approach and the destination number, wherein the third pays approach and is
The associated bank account of social security account；
In response to the third payment affirmation information, the confirmation message that the user returns is obtained；
The payment resource of the destination number is deducted from the bank account.
6. method according to claims 1 to 5, which is characterized in that it is described that social security sector is connected by preset interface, with
The method for obtaining the social security account of user described in the social security sector, comprising:
The target social security sector that the social security card is belonged to is inquired according to the social security card number of the user；
User described in the target social security sector is obtained by data adaptation interface corresponding with the target social security sector
Social security account.
7. a kind of social security payment mechanism, which is characterized in that described device includes:
Request is bought in first acquisition unit, the insurance for obtaining user, and the insurance purchase request carries the guarantor of the user
The social security payment instruction of single information and the user preset；Wherein, the social security payment instruction includes the social security card of the user
Number and the purchase insurance caused by destination number payment resource；
Second acquisition unit, for by preset interface connection social security sector, and obtain in the social security sector with the society
Protect the corresponding social security account of card number；
First extraction unit, for extracting the personal information in the social security account, the personal information includes address name, uses
Family identification card number, user's gender, user's household register；
First matching unit for matching the personal information with the policy information of the user, and judges whether
With success；
Deduct unit, if being used for successful match, from the social security account of the user or with the associated bank's account of the social security account
The payment resource of the destination number is deducted in family.
8. device according to claim 7, which is characterized in that the deduction unit includes:
Judgment sub-unit, for judging whether the personal remaining sum of the social security account is greater than the destination number；
First transmission sub-unit, for when the personal remaining sum is greater than the destination number, Xiang Suoshu user to send first
Confirmation message is paid, the first payment affirmation information carries the first payment approach and the destination number, wherein described first
The approach of paying is the personal remaining sum of the social security account of the user；
First obtains subelement, for obtaining the first face that the user returns in response to the first payment affirmation information
Image and with associated second facial image of the social security account；
Computation subunit, for calculating the similarity of first facial image Yu second facial image；
Subelement is confirmed, for confirming that the user matches with the social security account when the similarity is greater than preset value；
First deducts subelement, for deducting the payment of the destination number from the personal remaining sum of the social security account of the user
Resource.
9. a kind of computer non-volatile memory medium, the storage medium includes the program of storage, which is characterized in that described
Equipment perform claim requires social security method of payment described in 1 to 6 any one program controls the storage medium when running where.
10. a kind of computer equipment, including memory and processor, the memory is for storing the letter including program instruction
Breath, the processor are used to control the execution of program instruction, it is characterised in that: described program instruction is loaded and executed by processor
The step of social security method of payment described in Shi Shixian claim 1 to 6 any one.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811535207.3A CN109727021A (en) | 2018-12-14 | 2018-12-14 | A kind of social security method of payment and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811535207.3A CN109727021A (en) | 2018-12-14 | 2018-12-14 | A kind of social security method of payment and device |
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| Publication Number | Publication Date |
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| CN109727021A true CN109727021A (en) | 2019-05-07 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201811535207.3A Pending CN109727021A (en) | 2018-12-14 | 2018-12-14 | A kind of social security method of payment and device |
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Cited By (1)
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| CN112749959A (en) * | 2019-10-29 | 2021-05-04 | 腾讯科技（深圳）有限公司 | Resource transfer method, system, device, equipment and storage medium |
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