CN108510396A - It insures method, apparatus, computer equipment and the storage medium of verification - Google Patents
It insures method, apparatus, computer equipment and the storage medium of verification Download PDFInfo
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- CN108510396A CN108510396A CN201710488993.5A CN201710488993A CN108510396A CN 108510396 A CN108510396 A CN 108510396A CN 201710488993 A CN201710488993 A CN 201710488993A CN 108510396 A CN108510396 A CN 108510396A
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Abstract
The present invention proposes a kind of method for verification of insuring, the method includes：Reception is insured application, the user information carried in application of insuring described in extraction；Customer number corresponding with the user information is searched, the customer number is used for one user of unique mark；Product information of insuring corresponding with the application of insuring is extracted according to the application of insuring；Classification of insuring corresponding with the product information of insuring is determined according to the product information of insuring；Verification range corresponding with the product information of insuring is determined according to the classification of insuring；Declaration form corresponding with the customer number is searched in the verification range according to the customer number；If having searched corresponding declaration form, application of insuring described in refusal.It is time saving and energy saving, and effectively reduce the risk insured the method achieve verification is performed fully automatic.In addition, it is also proposed that a kind of device, computer equipment and the storage medium of verification of insuring.
Description
Technical field
The present invention relates to computer disposal fields, more particularly to a kind of method, apparatus for verification of insuring, computer equipment
And storage medium.
Background technology
With the development of insurance business, more and more people, which proceed by, to insure, and malicious persons pass through malice in order to prevent
It insures and carries out the behavior of insurance fraud, insurance company needs to carry out verification of insuring to the application of insuring of user, that is, searching user is before
It is no to have had same or similar behavior of insuring, if it is, illustrating that the user belongs to secondary and insures, refuse its Shen of insuring
Please, the mode of traditional verification of insuring not only is taken by the product of whether having insured before the artificial enquiry user
Effort, and being limited in scope due to inquiry still have larger risk covered.
Invention content
Based on this, it is necessary to for it is above-mentioned take time and effort, the problem that risk covered is high, the present invention, which proposes one kind, to drop
Low risk covered and method, apparatus, computer equipment and the storage medium of time saving and energy saving verification of insuring.
A method of verification of insuring, the method includes：Reception is insured application, is carried in application of insuring described in extraction
User information；Customer number corresponding with the user information is searched, the customer number is used for one user of unique mark；Root
Product information of insuring corresponding with the application of insuring is extracted according to the application of insuring；According to it is described insure product information determine with
The corresponding classification of insuring of the product information of insuring；Verification corresponding with the product information of insuring is determined according to the classification of insuring
Range；Declaration form corresponding with the customer number is searched in the verification range according to the customer number；If having searched pair
The declaration form answered, then application of insuring described in refusal.
Classification of insuring described in the basis in one of the embodiments, determines school corresponding with the product information of insuring
Range is tested, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；According to the sale
Channel, product type and product attribute determine verification range corresponding with the product information of insuring.
Classification of insuring described in the basis in one of the embodiments, determines school corresponding with the product information of insuring
Range is tested, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；It is insured according to described
Classification determines region of search corresponding with the classification of insuring；According to the Sales Channel, product type and product attribute and search
Rope region determines verification range corresponding with the product information of insuring.
It is described according to the Sales Channel, product type and product attribute and the field of search in one of the embodiments,
Domain determines verification range corresponding with the product information of insuring, including：Determine Sales Channel corresponding with described search region；
It is determined and the product letter of insuring according to the product type, product attribute and Sales Channel corresponding with described search region
Cease corresponding verification range.
The user information includes name, gender, type of credential, certificate number and date of birth in one of the embodiments,
Phase；Described to search customer number corresponding with the user information, the customer number is used for one user of unique mark, packet
It includes：The first result set corresponding with name is filtered out according to the user information, is filtered out in first result set and property
Not corresponding second result set, filters out third result corresponding with type of credential and certificate number in second result set
Collection determines customer number corresponding with the date of birth in third result set.
A kind of device for verification of insuring, described device include：First extraction module extracts institute for receiving application of insuring
State the user information carried in insuring application；Number searching module, for searching customer number corresponding with the user information,
The customer number is used for one user of unique mark；Second extraction module, for according to described in insure application extraction with it is described
It insures and applies for corresponding product information of insuring；Category determination module is determined for product information of insuring according to and is insured with this
The corresponding classification of insuring of product information；Range determination module determines and the product letter of insuring for classification of insuring according to
Cease corresponding verification range；Search module is compiled for being searched in the verification range according to the customer number with the client
Number corresponding declaration form；Refuse module, if for having searched corresponding declaration form, application of insuring described in refusal.
The range determination module is additionally operable to search sale corresponding with the classification of insuring in one of the embodiments,
Channel, product type and product attribute determine and the product of insuring according to the Sales Channel, product type and product attribute
The corresponding verification range of information.
The range determination module includes in one of the embodiments,：Searching module, for searching and the class of insuring
Not corresponding Sales Channel, product type and product attribute；Area determination module is determined and is somebody's turn to do for classification of insuring according to
The corresponding region of search of classification of insuring；Range determination module is verified, for according to the Sales Channel, product type and product category
Property and region of search determine corresponding with the product information of insuring verification range.
It is corresponding with described search region to be additionally operable to determination for the verification range determination module in one of the embodiments,
Sales Channel, according to the product type, product attribute and Sales Channel corresponding with described search region determine with it is described
The corresponding verification range of product information of insuring.
The user information includes name, gender, type of credential, certificate number and date of birth in one of the embodiments,
Phase；The number searching module is additionally operable to filter out the first result set corresponding with name according to the user information, described
The second result set corresponding with gender is filtered out in first result set, filtered out in second result set with type of credential and
The corresponding third result set of certificate number determines customer number corresponding with the date of birth in third result set.
A kind of computer equipment, the computer equipment include memory, processor and are stored on the memory simultaneously
The computer program that can be run on the processor, the processor realize following steps when executing the computer program：
Reception is insured application, the user information carried in application of insuring described in extraction；Client corresponding with the user information is searched to compile
Number, the customer number is used for one user of unique mark；It is corresponding with the application of insuring according to the application extraction of insuring
It insures product information；Classification of insuring corresponding with the product information of insuring is determined according to the product information of insuring；According to described
Classification of insuring determines verification range corresponding with the product information of insuring；According to the customer number in the verification range
Search declaration form corresponding with the customer number；If having searched corresponding declaration form, application of insuring described in refusal.
A kind of computer readable storage medium, is stored thereon with computer instruction, which realizes when being executed by processor
Following steps：Reception is insured application, the user information carried in application of insuring described in extraction；It searches corresponding with the user information
Customer number, the customer number be used for one user of unique mark；According to application extraction and the Shen of insuring of insuring
Corresponding please insure product information；Classification of insuring corresponding with the product information of insuring is determined according to the product information of insuring；
Verification range corresponding with the product information of insuring is determined according to the classification of insuring；According to the customer number in the school
Test search declaration form corresponding with the customer number in range；If having searched corresponding declaration form, application of insuring described in refusal.
Method, apparatus, computer equipment and the storage medium of above-mentioned verification of insuring, by the Shen of insuring for receiving user
Please, the user information carried in insuring application is extracted, customer number corresponding with the user information is searched, is determined and product of insuring
The corresponding classification of insuring of information, according to insuring, classification determines verification range corresponding with product information of insuring, according to customer number
Declaration form corresponding with the customer number is searched within the scope of the verification refuses above-mentioned insure if having searched corresponding declaration form
Application.The method achieve whole process, and verification is performed fully automatic, time saving and energy saving, and the range for verification of insuring is from original needle
For single product, the classification of insuring that the product belongs to is extended to, the range by expanding verification of insuring, which reduces, subsequently holds
The risk of guarantor.
Description of the drawings
Fig. 1 is the internal structure block diagram of one embodiment Computer equipment；
Fig. 2 is the method flow diagram of one embodiment China National Investment ＆ Guaranty Corp. verification；
Fig. 3 is the method stream for determining verification range corresponding with product information of insuring in one embodiment according to classification of insuring
Cheng Tu；
Fig. 4 is the method for determining verification range corresponding with product information of insuring according to classification of insuring in another embodiment
Flow chart；
Fig. 5 is to be determined according to the Sales Channel, product type and product attribute and region of search in one embodiment
The method flow diagram of verification range corresponding with the product information of insuring；
Fig. 6 is the apparatus structure block diagram of one embodiment China National Investment ＆ Guaranty Corp. verification；
Fig. 7 is the structure diagram of range determination module in one embodiment.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, right
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.
As shown in Figure 1, for the internal structure schematic diagram of one embodiment Computer equipment.The computer equipment can be
Terminal can also be server.Terminal can be personal computer or mobile electronic device, mobile electronic device include mobile phone,
At least one of tablet computer, personal digital assistant or Wearable etc..Server can be independent server,
It can be server cluster.Referring to Fig.1, which includes the processor connected by system bus, non-volatile deposits
Storage media, built-in storage, network interface.Wherein, the non-volatile memory medium of the computer equipment can storage program area and
Computer-readable instruction, the computer-readable instruction are performed, and processor may make to execute a kind of method for verification of insuring.It should
The processor of computer equipment supports the operation of entire computer equipment for providing calculating and control ability.The built-in storage
In can store computer-readable instruction, when which is executed by processor, processor may make to execute one kind
It insures the method for verification.The network interface of computer equipment is for carrying out network communication.It will be understood by those skilled in the art that figure
Structure shown in 1 is not constituted and is answered application scheme only with the block diagram of the relevant part-structure of application scheme
With the restriction of computer equipment thereon, specific computer equipment may include than more or fewer portions as shown in the figure
Part either combines certain components or is arranged with different components.
As shown in Fig. 2, in one embodiment it is proposed that a kind of method for verification of insuring, this method can be applied to end
In end or server, following steps are specifically included：
Step 202, application of insuring is received, the user information carried in insuring application is extracted.
In the present embodiment, application of insuring refers to the request of insuring for some insurance products, includes in the request of insuring
There is corresponding product information of insuring, and carry the user information of the user that insures, wherein user information includes name, property
Not, type of credential, certificate number and date of birth.Wherein, there are many type of credential, such as identity card, passport, officer's identity card etc., it uses
The acquisition of family information can be received the interface of user information input by terminal display after receiving and insuring request, pass through
The interface receives user information input by user.
Step 204, customer number corresponding with user information is searched, customer number is used for one user of unique mark.
In the present embodiment, it after getting user information, needs to be searched according to the user information corresponding with the user information
Customer number, customer number be insurance company be insurer distribution unique mark, be used for one user of unique mark.And it is objective
Family number is corresponding with user information, wherein user information includes name, gender, type of credential, certificate number and date of birth
Phase.That is, customer number is corresponding with multiple information such as name, type of credential, certificate number and date of birth, that is, search
It is needed when customer number while meeting multiple conditions.In one embodiment, the process of customer number is searched according to user information
The algorithm of searching loop may be used, for example, the data result collection Z1 for meeting " name " condition is filtered out first, then in Z1 collection
It is middle traverse meet " gender " condition obtain data result collection Z2, concentrate traversal type of credential and certificate number to obtain in Z2 later
Data result collection Z3 meets the result set of all conditions to get to the customer number of the user until finding.If do not looked into
The customer number for finding the user illustrates that the client did not throw guarantor before, the secondary behavior insured also just is not present.
Step 206, product information of insuring corresponding with application of insuring is extracted according to application of insuring.
In the present embodiment, application of insuring is the request of insuring for being directed to some product, so can according to application of insuring
To extract product information of insuring corresponding with the application of insuring.Product information of insuring includes the title of product, the insurance kind of product
Attribute, product identification etc., wherein the insurance kind attribute of product refers to which insurance kind product belongs to, for example, health insurance or accident insurance
Refer to the mark for being uniquely product distribution Deng, product identification, for this product of unique mark.
Step 208, classification of insuring corresponding with the product information of insuring is determined according to product information of insuring.
In the present embodiment, it since there are many similar products of insurance products, if is searched for as traditional approach
Whether user has insured the product of insuring of this application before, and such search result too limits, and is unfavorable for control and insures
Risk, so need the range of search is enlarged, by search be expanded in the range generic with the product of insuring.
Further, in order to more accurately carry out verification of insuring, the range of search should include having accepted insurance declaration form and insuring
Declaration form.Specifically, after getting and insuring product information, classification of insuring accordingly is determined according to the product information of insuring.It insures
Classification of insuring belonging to product divides in advance, and specific division methods may be used multivariate classification algorithm and classify.For example,
It can be classified to insurance products according to product type and product attribute, wherein product type is divided into personal type and group
Two class of type, product attribute refer to the insurance kind type belonging to the product, for example, belong to health insurance or accident insurance or other.
The corresponding product type of each product and product attribute are all unique, it is possible to while according to product type and product category
Property classifies to corresponding product.For example, it is assumed that product type is divided into 2 kinds, and insurance kind type is divided into 6 kinds, then passing through
Different products can be divided into 12 classes by permutation and combination.In addition, insurance company includes there are many Sales Channel, Sales Channel is
Refer to a variety of marketing methods such as the mode, including bank's sale, business personnel's sale, online sales promotion of product sale.Due to difference
The corresponding Sales Channel of classification of insuring is often different, and same classification of insuring tends not to corresponding all Sales Channels, for example,
If one shares 6 kinds of Sales Channels, certain one kind insure classification product may only corresponding wherein 2 kinds of Sales Channels, so
It, can also will be corresponding after having been determined according to product type and product attribute and insuring classification in order to improve the speed of subsequent searches
Sales Channel carry out corresponding storage with the classification of insuring, i.e., the classification that will insure and product attribute, product type and Sales Channel
Carry out corresponding storage together, it is follow-up once it is determined that classification of insuring, is equivalent to that product corresponding with the classification of insuring is determined
Attribute, product type and Sales Channel.
Step 210, verification range corresponding with product information of insuring is determined according to classification of insuring.
In the present embodiment, verification model corresponding with product information of insuring is determined according to the classification of insuring insured belonging to product
It encloses, wherein classification of insuring is divided previously according to multiple factors, if for example, pre- before this according to product type and product
What attribute was divided, then the classification that can be insured according to this determines corresponding product type and product attribute, it then will production
Category type and product attribute determine corresponding verification range as the restrictive condition of search.If pre- will insure before this classification and product
Type, product attribute and Sales Channel are associated storage, then being assured that corresponding pin according to classification of insuring
Sell channel (may be a variety of), product type (personal or group) and product attribute (insurance kind type), by by Sales Channel, produce
The restrictive condition of category type and product attribute as search is searched for corresponding with customer number subsequently in the case of the restrictive condition
Declaration form.
Step 212, declaration form corresponding with the customer number is searched in verification range according to customer number.
In the present embodiment, it in order to improve the speed of search, first, is carried out according to classification is insured to verifying range accordingly
Limitation, in this way can be quickly found out according to customer number within the scope of the verification of the limitation and the matched guarantor of customer number
It is single.In one embodiment, classification of insuring is, an insure classification corresponding with Sales Channel, product attribute and product type
Multiple Sales Channels can be corresponded to, so when being scanned for according to customer number, fuzzy matching algorithm may be used in Sales Channel
It is screened, what product type and product attribute were to determine, it is possible to be screened using exact matching algorithm.According to visitor
Family number scans for corresponding with the customer number in the range of being limited by product type, product attribute and Sales Channel
Declaration form.Wherein, declaration form includes the declaration form accepted insurance and the declaration form insured.
Step 214, if having searched corresponding declaration form, refuse application of insuring.
In the present embodiment, if having been searched within the scope of the verification of limitation by customer number corresponding with customer number
Declaration form illustrates that the user has been directed to identical product or same class product was insured before, this time application of insuring belongs to
It is secondary to insure, so refusing this application of insuring.Otherwise do not search, then illustrate be not it is secondary insure, can receive corresponding
Application of insuring.By carrying out verification of insuring to the product information of insuring that application is directed to of insuring, secondary throwing can effectively prevent
The behavior of guarantor effectively prevents the behavior that malice is insured, greatly reduces follow-up peril insured against, it refers to insurance to accept insurance
People thinks to meet underwriting conditions and agrees to receive insurer's application, undertake declaration form after insurer proposes to protect request through audit
The behavior of contracted insurance responsibility.
In the present embodiment, by receiving the application of insuring of user, the user information carried in insuring application is extracted, is searched
Customer number corresponding with the user information determines classification of insuring corresponding with product information of insuring, and according to insuring, classification determines
Verification range corresponding with product information of insuring is searched for according to customer number within the scope of the verification corresponding with the customer number
Declaration form refuses above-mentioned application of insuring if having searched corresponding declaration form.The method achieve whole process, and school is performed fully automatic
It tests, it is time saving and energy saving, and the range for verification of insuring is insured from original just in single product, extend to that the product belongs to
Classification, the range by expanding verification of insuring reduce follow-up peril insured against.
As shown in figure 3, in one embodiment, according to insuring, classification determines verification range corresponding with product information of insuring
Step 210 include：
Step 210A searches Sales Channel corresponding with classification of insuring, product type and product attribute.
In the present embodiment, classify in advance to product, each product can be corresponding with corresponding classification of insuring, and throw
It protects classification to be divided according to product type, product attribute and corresponding Sales Channel, product type refers to group or a
People, product attribute refer to the insurance kind belonging to the product, for example, being health insurance or accident insurance or vehicle insurance etc..Sell canal
Road refers to the marketing method insured corresponding to the product of classification, for example, be promoted by online sales or business personnel or its
His marketing method a, wherein classification of insuring can correspond to multiple Sales Channels.There are many kinds of total Sales Channels, and each
Classification may only correspond to one of those or two, by the way that Sales Channel corresponding with classification of insuring is arranged, is conducive to improve and search
The speed of rope.For example, during total Sales Channel has 12, the product of a certain classification only corresponds to wherein 2 kinds of Sales Channels, then subsequently
Only need to search in 2 kinds of Sales Channels when searching can, avoid and carried out in other 10 kinds of Sales Channels
Search, improves the efficiency of search.
Step 210B determines verification corresponding with product information of insuring according to Sales Channel, product type and product attribute
Range.
In the present embodiment, after Sales Channel corresponding with classification of insuring, product type and product attribute is determined, just
Verification range can be limited according to the Sales Channel, product type and product attribute.For example, if it is determined that sale canal
Road has only corresponded to online sales and bank's sale, and product type is individual, and product attribute is health insurance, then can be according to this
A little conditions limit verification range, and corresponding search efficiency is improved when convenient for subsequently being searched according to customer number.
As shown in figure 4, in one embodiment, according to insuring, classification determines verification range corresponding with product information of insuring
Step 210 include：
Step 210a searches Sales Channel corresponding with classification of insuring, product type and product attribute.
Step 210b, according to insuring, classification determines region of search corresponding with the classification of insuring.
Step 210c is determined and product letter of insuring according to Sales Channel, product type and product attribute and region of search
Cease corresponding verification range.
In the present embodiment, due to the development in each area difference, different regions are suitble to the product of sale will be different,
The product of certain classifications is only suitable for specific region, is not appropriate for all areas.So for different classifications of insuring product its
It is corresponding with different sales regions.In order to improve the speed of search, Sales Channel corresponding with classification of insuring, product are being found
After type and product attribute, it is also necessary to determine corresponding region of search (i.e. sales region) according to classification of insuring, then will
Sales Channel, product type, product attribute and corresponding region of search determine and product information of insuring together as restrictive condition
Corresponding verification range.For example, the product of some classifications of insuring be only suitable for a line city sell, for example, Beijing, on
Sea, Shenzhen and Guangzhou etc., then with regard to only needing to be searched in the range of a line city when subsequently being scanned for according to customer number
Rope, and without traversing each area, the time of search is greatly saved.
As shown in figure 5, in one embodiment, according to Sales Channel, product type and product attribute and region of search
Determine that the step 210c of verification range corresponding with product information of insuring includes：
Step 502, Sales Channel corresponding with region of search is determined；
Step 504, it determines and insures according to product type and product attribute and Sales Channel corresponding with region of search
The corresponding verification range of product information.
In the present embodiment, due to the difference in each area, not all Sales Channel all adapts to each area.So
In order to further increase subsequent search efficiency, region of search corresponding with product information of insuring is being determined according to classification of insuring
Afterwards, it is also necessary to filter out the Sales Channel for meeting each region of search, then according to the corresponding Sales Channel in each region of search,
Product attribute and product type determine verification range corresponding with product information of insuring.For example, it is assumed that insure with determining
There are three the corresponding regions of search of classification, for example, Beijing, Shanghai, Shenzhen.It is suitble to the Sales Channel of Beijing area that may have three
A, there are four the Sales Channel possibility for being suitble to sea region, is suitble to the Sales Channel in Shenzhen region that may there was only two, so
When search, it can determine and insure in conjunction with product attribute and product type according to the corresponding Sales Channel in each region of search
The corresponding verification range of product information.It specifically, can be by adding some constraintss on the basis of original search formula
It realizes, original search formula is expressed as：S=g (z, y, h (r1,r2,r3)), wherein z indicates that customer number, y indicate the field of search
Domain, h (r1,r2,r3) indicate classification of insuring, r1Indicate Sales Channel, r2Indicate product type, r3Indicate product attribute.It is increased
Constraints can be expressed as：m(r1, y) and ＞ 0, m (r2, y) and ＞ 0.Wherein, the principle of m functions is：If in the region of search memory
Then it is being more than 0.So final search formula can be expressed as：S=g (z, y, h (r1,r2,r3),m(r1, y) and ＞ 0, m (r2,y)
＞ 0).
In one embodiment, user information includes name, gender, type of credential, certificate number and date of birth；Search with
The corresponding customer number of user information, step 204 of the customer number for one user of unique mark include：According to user information
The first result set corresponding with name is filtered out, the second result set corresponding with gender is filtered out in the first result set,
Third result set corresponding with type of credential and certificate number is filtered out in two result sets, the determining and date of birth in third result set
Phase corresponding customer number.
In the present embodiment, user information includes name, gender, type of credential, certificate number and date of birth.Pass through cycle
Ergodic algorithm filters out the first result set corresponding with name successively, is then searched in first result set corresponding with gender
Second result set searches for third result set corresponding with type of credential and certificate number, in third result in the second result set
It concentrates and searches for customer number corresponding with the date of birth.That is, customer number is and name, gender, type of credential, certificate
Number and the date of birth this five information it is one-to-one, can be with unique match a to customer number according to this five information.Tool
Body, pass through z=f (x1,x2,x3,x4,x5) obtain customer number, wherein x1, x2, x3, x4And x5Respectively indicate name, gender,
Type of credential, certificate number and date of birth, principle are：It is x first to filter out name1Data result collection Z1, Z1 concentrate traverse
Gender is x2, data result collection Z2, such searching loop are obtained, meets all conditions x until finding1, x2, x3, x4, x5Result
Collection.
In one embodiment, in the step for determining Sales Channel corresponding with classification of insuring, product type and product attribute
Before rapid, further include：Classified to product according to Sales Channel, product type and product attribute, is determined and each product
The corresponding classification of insuring of information, and stored.
In the present embodiment, in order to which the accuracy and raising that improve verification of insuring are insured the efficiency of verification, first, according to
Sales Channel, product type and product attribute classify to each product, determine insure corresponding with each product information
Classification, and determining classification and Sales Channel of insuring, product type and product attribute are subjected to corresponding storage.Wherein, canal is sold
Road includes a variety of Sales Channel modes such as bank's sale, business personnel's sale, online sales promotion, and product type is group or a
People, product attribute refer to insurance kind type.Wherein, the product with like products attribute and product type is divided into one kind, is
Convenient for the follow-up efficiency for improving search, by corresponding with the product attribute and product type Sales Channel together as production of insuring
The class condition of product carries out corresponding storage.
As shown in fig. 6, in one embodiment it is proposed that a kind of device for verification of insuring, the device include：
First extraction module 602, for receiving application of insuring, the user information carried in application of insuring described in extraction；
Number searching module 604, for searching customer number corresponding with the user information, the customer number is used for
One user of unique mark；
Second extraction module 606 extracts product of insuring corresponding with the application of insuring for application of insuring according to
Information；
Category determination module 608 determines throwing corresponding with the product information of insuring for product information of insuring according to
Protect classification；
Range determination module 610 determines verification corresponding with the product information of insuring for classification of insuring according to
Range；
Search module 612, it is corresponding with the customer number for being searched in the verification range according to the customer number
Declaration form；
Refuse module 614, if for having searched corresponding declaration form, application of insuring described in refusal.
In one embodiment, the range determination module 610 is additionally operable to search sale corresponding with the classification of insuring
Channel, product type and product attribute determine and product information of insuring according to the Sales Channel, product type and product attribute
Corresponding verification range.
As shown in fig. 7, in one embodiment, range determination module 610 includes：
Searching module 610A, for searching Sales Channel corresponding with the classification of insuring, product type and product attribute；
Area determination module 610B determines region of search corresponding with the classification of insuring for classification of insuring according to；
Range determination module 610C is verified, for according to the Sales Channel, product type and product attribute and search
Region determines verification range corresponding with the product information of insuring.
In one embodiment, it is corresponding with described search region to be additionally operable to determination by the verification range determination module 610C
Sales Channel, according to the product type and product attribute and Sales Channel corresponding with described search region determine with it is described
The corresponding verification range of product information of insuring.
In one embodiment, the user information includes name, gender, type of credential, certificate number and date of birth；Institute
It states number searching module 604 to be additionally operable to filter out the first result set corresponding with name according to the user information, described
The second result set corresponding with gender is filtered out in one result set, is filtered out in second result set and type of credential and card
The corresponding third result set of piece number determines customer number corresponding with the date of birth in third result set.
In one embodiment it is proposed that a kind of computer equipment, the computer equipment include memory, processor and
It is stored in the computer program that can be run on the memory and on the processor, the processor executes the computer
Following steps are realized when program：Reception is insured application, the user information carried in application of insuring described in extraction；It searches and the use
The corresponding customer number of family information, the customer number are used for one user of unique mark；According to it is described insure application extraction with
The corresponding product information of insuring of application of insuring；It is determined according to the product information of insuring corresponding with the product information of insuring
It insures classification；Verification range corresponding with the product information of insuring is determined according to the classification of insuring；It is compiled according to the client
Declaration form corresponding with the customer number is searched for number in the verification range；If having searched corresponding declaration form, described in refusal
It insures application.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuring
Corresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；Root
Verification range corresponding with the product information of insuring is determined according to the Sales Channel, product type and product attribute.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuring
Corresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；Root
Region of search corresponding with the classification of insuring is determined according to the classification of insuring；According to the Sales Channel, product type and product
Attribute and region of search determine verification range corresponding with the product information of insuring.
In one embodiment, performed by the processor according to the Sales Channel, product type and product attribute
And region of search determines verification range corresponding with the product information of insuring, including：Determination is corresponding with described search region
Sales Channel；According to the product type, product attribute and Sales Channel corresponding with described search region determination and institute
State the corresponding verification range of product information of insuring.
In one embodiment, the user information includes name, gender, type of credential, certificate number and date of birth；Institute
The lookup customer number corresponding with the user information performed by processor is stated, the customer number is used for unique mark one
User, including：The first result set corresponding with name is filtered out according to the user information, is screened in first result set
Go out the second result set corresponding with gender, third corresponding with type of credential and certificate number is filtered out in second result set
Result set determines customer number corresponding with the date of birth in third result set.
In one embodiment it is proposed that a kind of computer readable storage medium, is stored thereon with computer instruction, this refers to
Following steps are realized when order is executed by processor：Reception is insured application, the user information carried in application of insuring described in extraction；It looks into
Customer number corresponding with the user information, the customer number is looked for be used for one user of unique mark；It is insured according to described
Product information of insuring corresponding with the application of insuring is extracted in application；It is determined and the product of insuring according to the product information of insuring
The corresponding classification of insuring of information；Verification range corresponding with the product information of insuring is determined according to the classification of insuring；According to
The customer number searches for declaration form corresponding with the customer number in the verification range；If having searched corresponding declaration form,
Then insure application described in refusal.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuring
Corresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；Root
Verification range corresponding with the product information of insuring is determined according to the Sales Channel, product type and product attribute.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuring
Corresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；Root
Region of search corresponding with the classification of insuring is determined according to the classification of insuring；According to the Sales Channel, product type and product
Attribute and region of search determine verification range corresponding with the product information of insuring.
In one embodiment, performed by the processor according to the Sales Channel, product type and product attribute
And region of search determines verification range corresponding with the product information of insuring, including：Determination is corresponding with described search region
Sales Channel；According to the product type, product attribute and Sales Channel corresponding with described search region determination and institute
State the corresponding verification range of product information of insuring.
In one embodiment, the user information includes name, gender, type of credential, certificate number and date of birth；Institute
The lookup customer number corresponding with the user information performed by processor is stated, the customer number is used for unique mark one
User, including：The first result set corresponding with name is filtered out according to the user information, is screened in first result set
Go out the second result set corresponding with gender, third corresponding with type of credential and certificate number is filtered out in second result set
Result set determines customer number corresponding with the date of birth in third result set.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated between
In matter, the program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be
The non-volatile memory mediums such as magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random storage note
Recall body (Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, to keep description succinct, not to above-mentioned reality
It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, it is all considered to be the range of this specification record.
Several embodiments of the invention above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Range.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of method for verification of insuring, the method includes：
Reception is insured application, the user information carried in application of insuring described in extraction；
Customer number corresponding with the user information is searched, the customer number is used for one user of unique mark；
Product information of insuring corresponding with the application of insuring is extracted according to the application of insuring；
Classification of insuring corresponding with the product information of insuring is determined according to the product information of insuring；
Verification range corresponding with the product information of insuring is determined according to the classification of insuring；
Declaration form corresponding with the customer number is searched in the verification range according to the customer number；
If having searched corresponding declaration form, application of insuring described in refusal.
2. according to the method described in claim 1, it is characterized in that, classification of insuring described in the basis determines and the production of insuring
The corresponding verification range of product information, including：
Search Sales Channel corresponding with the classification of insuring, product type and product attribute；
Verification range corresponding with the product information of insuring is determined according to the Sales Channel, product type and product attribute.
3. according to the method described in claim 1, it is characterized in that, classification of insuring described in the basis determines and the production of insuring
The corresponding verification range of product information, including：
Search Sales Channel corresponding with the classification of insuring, product type and product attribute；
Region of search corresponding with the classification of insuring is determined according to the classification of insuring；
It is determined according to the Sales Channel, product type and product attribute and region of search corresponding with the product information of insuring
Verification range.
4. according to the method described in claim 3, it is characterized in that, described according to the Sales Channel, product type and product
Attribute and region of search determine verification range corresponding with the product information of insuring, including：
Determine Sales Channel corresponding with described search region；
It is determined and the production of insuring according to the product type, product attribute and Sales Channel corresponding with described search region
The corresponding verification range of product information.
5. according to the method described in claim 1, it is characterized in that, the user information include name, gender, type of credential,
Certificate number and date of birth；
Described to search customer number corresponding with the user information, the customer number is used for one user of unique mark, packet
It includes：
The first result set corresponding with name is filtered out according to the user information, is filtered out in first result set and property
Not corresponding second result set, filters out third result corresponding with type of credential and certificate number in second result set
Collection determines customer number corresponding with the date of birth in third result set.
6. a kind of device for verification of insuring, which is characterized in that described device includes：
First extraction module, for receiving application of insuring, the user information carried in application of insuring described in extraction；
Number searching module, for searching customer number corresponding with the user information, the customer number is for uniquely marking
Know a user；
Second extraction module extracts product information of insuring corresponding with the application of insuring for application of insuring according to；
Category determination module determines classification of insuring corresponding with the product information of insuring for product information of insuring according to；
Range determination module determines verification range corresponding with the product information of insuring for classification of insuring according to；
Search module, for searching for declaration form corresponding with the customer number in the verification range according to the customer number；
Refuse module, if for having searched corresponding declaration form, application of insuring described in refusal.
7. device according to claim 6, which is characterized in that the range determination module is additionally operable to search and insure with described
The corresponding Sales Channel of classification, product type and product attribute are determined according to the Sales Channel, product type and product attribute
Verification range corresponding with the product information of insuring.
8. device according to claim 6, which is characterized in that the range determination module includes：
Searching module, for searching Sales Channel corresponding with the classification of insuring, product type and product attribute；
Area determination module determines region of search corresponding with the classification of insuring for classification of insuring according to；
Range determination module is verified, for being determined according to the Sales Channel, product type and product attribute and region of search
Verification range corresponding with the product information of insuring.
9. a kind of computer equipment, the computer equipment includes memory, processor and is stored on the memory and can
The computer program run on the processor, the processor realize claim 1-5 when executing the computer program
The step of any one the method.
10. a kind of computer readable storage medium, is stored thereon with computer instruction, which is characterized in that the instruction is by processor
The step of claim 1-5 any one the methods are realized when execution.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710488993.5A CN108510396B (en) | 2017-06-23 | 2017-06-23 | Method and device for insurance verification, computer equipment and storage medium |
| PCT/CN2018/086202 WO2018233393A1 (en) | 2017-06-23 | 2018-05-09 | Insurance purchasing verification method, apparatus, computer device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710488993.5A CN108510396B (en) | 2017-06-23 | 2017-06-23 | Method and device for insurance verification, computer equipment and storage medium |
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| Publication Number | Publication Date |
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| CN108510396A true CN108510396A (en) | 2018-09-07 |
| CN108510396B CN108510396B (en) | 2020-12-29 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710488993.5A Active CN108510396B (en) | 2017-06-23 | 2017-06-23 | Method and device for insurance verification, computer equipment and storage medium |
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| Country | Link |
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| CN (1) | CN108510396B (en) |
| WO (1) | WO2018233393A1 (en) |
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| CN109359939A (en) * | 2018-09-26 | 2019-02-19 | 中国平安人寿保险股份有限公司 | Business datum method of calibration, device, computer equipment and storage medium |
| CN109658259A (en) * | 2018-11-19 | 2019-04-19 | 平安科技（深圳）有限公司 | Peasant household's listings data processing method, device, computer equipment and storage medium |
| CN109712000A (en) * | 2018-11-27 | 2019-05-03 | 平安科技（深圳）有限公司 | Repeat insure method for limiting, device, equipment and readable storage medium storing program for executing |
| CN109903079A (en) * | 2019-01-21 | 2019-06-18 | 中国人民财产保险股份有限公司 | Information processing method, equipment and storage medium |
| CN111210245A (en) * | 2018-11-21 | 2020-05-29 | 马上消费金融股份有限公司 | Evaluation method and evaluation device for insurance product, intelligent system and storage device |
| CN112529429A (en) * | 2020-12-16 | 2021-03-19 | 平安科技（深圳）有限公司 | Customer information checking method and device, computer equipment and storage medium |
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| CN109359939A (en) * | 2018-09-26 | 2019-02-19 | 中国平安人寿保险股份有限公司 | Business datum method of calibration, device, computer equipment and storage medium |
| CN109658259A (en) * | 2018-11-19 | 2019-04-19 | 平安科技（深圳）有限公司 | Peasant household's listings data processing method, device, computer equipment and storage medium |
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| CN112529429A (en) * | 2020-12-16 | 2021-03-19 | 平安科技（深圳）有限公司 | Customer information checking method and device, computer equipment and storage medium |
| CN112529429B (en) * | 2020-12-16 | 2024-05-14 | 平安科技（深圳）有限公司 | Client information verification method, device, computer equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2018233393A1 (en) | 2018-12-27 |
| CN108510396B (en) | 2020-12-29 |
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