CN108765177A - Core protects method and core insurance system - Google Patents
Core protects method and core insurance system Download PDFInfo
- Publication number
- CN108765177A CN108765177A CN201810615092.2A CN201810615092A CN108765177A CN 108765177 A CN108765177 A CN 108765177A CN 201810615092 A CN201810615092 A CN 201810615092A CN 108765177 A CN108765177 A CN 108765177A
- Authority
- CN
- China
- Prior art keywords
- information
- core
- user
- physical examination
- server
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
This application discloses a seed nucleus to protect method and core insurance system, and core protects method and includes：User terminal acquisition includes the user basic information of identity information and waits for insured amount and be sent to core guarantor's server；Core, which protects server and obtains the history of user according to identity information, insures information and default limits, and when insured amount is in default limits, health and fitness information and financial information are obtained from user terminal；Core protects server and detects that health and fitness information and financial information meet the first preset condition, then obtains the physical examination information of user；Core protects server and detects that physical examination information meets the second preset condition, then generates Health Category according to physical examination information, then generates the first rate according to Health Category and essential information；Core protect server detect history insure information, wait for whether insured amount, the first rate and financial information meet third preset condition, then generate payment information, and to user send core and protect and complete message.It is efficient that herein described scheme has the characteristics that core is protected.
Description
Technical field
This application involves financial fields, and method and core insurance system are protected in particular to a seed nucleus.
Background technology
Adjuster refers to that the insurer audits application of insuring, and decides whether to receive this risk of accepting insurance, and connecing
In the case of by risk covered, the process of underwriting conditions is determined.Core guarantor plays a brought forward in life-insurance operation flow
Effect after opening.Core guarantor is the important leverage of life insurance companies profit.It is also the guarantee for establishing life insurance business order that core, which is protected,.
Traditional core, which protects flow, to be completed by manually, is protected in flow in entire core, is needed to refer to items by manually
Mark is audited.Since the data volume involved in core guarantor's process is huge, the workload that core is protected is also very big, needs consumption a large amount of
Manpower and materials, it is often very low that core protects efficiency.
Invention content
In order to overcome above-mentioned deficiency in the prior art, the seed nucleus that is designed to provide of the application to protect method, be applied to
Core insurance system, the core insurance system includes user terminal and core protects server, and the core protects method and includes：
The user terminal acquires the essential information of user and waits for insured amount and be sent to the core guarantor server, described
Essential information includes identity information, the first height information, the first weight information, caste information；
The core, which protects server and obtains the history of user according to the identity information, insures information and default limits,
The core, which is protected, waits for insured amount whether in default limits described in server detection, if described wait for insured amount described
In default limits, health and fitness information and financial information are obtained from the user terminal；
The core protects the server detection health and fitness information and whether the financial information meets the first preset condition, such as
Health and fitness information described in fruit and the financial information meet first preset condition, then obtain the physical examination information of user；
The core protects server and detects whether the physical examination information meets the second preset condition, if the physical examination information is full
Foot second preset condition, then generate Health Category according to the physical examination information, then according to the Health Category and described
Essential information generates the first rate；
The core protect server detect the history insure information, described wait for insured amount, first rate and described
Whether financial information meets third preset condition, if testing result is yes, generates payment information, and send core to user and protect
Complete message.
Optionally, the core guarantor method further includes：
The user terminal protects server from the core and obtains the payment information and core guarantor as a result, the core protects server
User is prompted to pay according to the payment information.
Optionally, history information of insuring includes that user adds up that risk is insured amount, abnormal information of insuring, and the exception is insured
Information includes declinaturing information, Claims Resolution information plus charge information and special appointed information；Whether insured amount is waited for described in the detection
Further include in the method preset in limits：
The default limits is subtracted into the accumulative risk protection amount of the user and obtains the default limits.
Optionally, the health and fitness information includes the history of disease information and first family's history information of user；The finance
Information includes the income information and liability information of user；Whether the detection health and fitness information and the financial information meet
The method of first preset condition includes：
The history of disease information, first family history information, the income information and the liability information are obtained, if
There are the income information of the history of disease information or first family history information or user to be unsatisfactory for presetting by user
The liability information of income condition or user are unsatisfactory for default debt condition, then judge the health and fitness information and the wealth
Business information is unsatisfactory for first preset condition；Otherwise, it is default to meet described first for the health and fitness information and the financial information
Condition.
Optionally, the core protect server detect the history insure information, described wait for insured amount, first rate
And whether the financial information meets the method for third preset condition and includes：
The second rate is generated according to the Health Category and the essential information；
Judge that user insures information or the Claims Resolution information and the income information and institute with the presence or absence of the exception
State wait for insured amount whether match and first rate and second rate it is whether equal；
It insures information or the Claims Resolution information if there is no the exception, and first rate and described second is taken
Rate is equal, and the income information waits for that insured amount matches with described, then the history insure information, described wait for insured amount, institute
It states the first rate and the financial information meets third preset condition, using second rate as the payment information.
Optionally, the method for the physical examination information for obtaining user includes：
The core protects the physical examination that server detection user uploads and reports picture；
The core protects server and detects the physical examination information from physical examination report picture.
Optionally, the physical examination information includes first kind project, and it is pre- whether the detection physical examination information meets second
If the method for condition is：Judge whether the data of any of first intermediate item project lack, judges first category
Whether the index of each project in mesh meets the corresponding pre-set level of the project；
If any in first intermediate item in the shortage of data of at least one project or first intermediate item
The index of one project is unsatisfactory for the corresponding pre-set level of the project, then the physical examination information is unsatisfactory for the described second default item
Part；Otherwise, the physical examination information meets second preset condition.
Optionally, the method for generating Health Category according to physical examination information is：
The second intermediate item in the physical examination information is scored according to preset code of points respectively to obtain each institute
State the appraisal result of the second intermediate item；
The appraisal result of each second intermediate item is added, overall score is obtained；
It is graded to the overall score according to default grading rule, obtains preliminary rating result；
Judge the project in second intermediate item whether is lacked in the physical examination information；
If lacking the project in second intermediate item in the physical examination information, judge to lack in the physical examination information
Second intermediate item item number, if the item number of second intermediate item lacked be more than or equal to project threshold value,
The user is switched to artificial nucleus to protect；If the item number of second intermediate item lacked in the physical examination information is less than the project
The preliminary rating result is then degraded according to preset collapsing rule, obtains the Health Category by threshold value；
If not lacking the project in second intermediate item in the physical examination information, the preliminary rating result is made
For the Health Category.
Another object of the present invention is to provide a seed nucleus insurance system, the core insurance system includes that user terminal and core protect clothes
Business device, the user terminal are used to acquire the essential information of user and wait for insured amount and be sent to the core guarantor server, institute
It includes identity information, the first height information, the first weight information, caste information to state essential information；
The core, which protects server and is used to obtain the history of user according to the identity information, insures and information and default insures
Limit, the core, which is protected, waits for insured amount whether in default limits described in server detection, if described wait for insured amount
In the default limits, health and fitness information and financial information are obtained from the user terminal；
It is additionally operable to detect the health and fitness information and whether the financial information meets the first preset condition, if described strong
Health information and the financial information meet first preset condition, then obtain the physical examination information of user；
It is additionally operable to detect whether the physical examination information meets the second preset condition, if the physical examination information meets described
Two preset conditions then generate Health Category, then according to the Health Category and the essential information according to the physical examination information
Generate the first rate；
Be additionally operable to detect the history insure information, described wait for insured amount, first rate and the financial information
Whether meet third preset condition, if testing result is yes, generates payment information, and send core guarantor to user and complete to disappear
Breath.
Optionally, the method for the physical examination information of the core insurance system acquisition user includes：
The core protects the physical examination that server detection user uploads and reports picture；
The core protects server and detects the physical examination information from physical examination report picture.
In terms of existing technologies, the application has the advantages that：The core of the application is protected method and is passed through to user
Essential information, insure information, health and fitness information, financial information and physical examination information of history carry out analysis to automatic decision user
Whether meet from kinetonucleus guaranteed request, and calculates the payment letter of the user automatically in the case where user meets from kinetonucleus guaranteed request
Breath.Using herein described scheme core protect method, can realize to user from kinetonucleus protect, to reduce core protect during
Labor workload accelerates core and protects flow, improves core and protects efficiency.
Description of the drawings
It, below will be to needed in the embodiment attached in order to illustrate more clearly of the technical solution of the embodiment of the present application
Figure is briefly described, it should be understood that the following drawings illustrates only some embodiments of the application, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 is the flow chart that core provided by the embodiments of the present application protects method；
Fig. 2 is the decision flow chart of third preset condition provided by the embodiments of the present application；
Fig. 3 is the flow chart that Health Category provided by the embodiments of the present application divides；
Fig. 4 is core insurance system structural schematic diagram provided by the embodiments of the present application.
Icon：10- cores protect server；20- user terminals.
Specific implementation mode
To keep the purpose, technical scheme and advantage of the embodiment of the present application clearer, below in conjunction with the embodiment of the present application
In attached drawing, technical solutions in the embodiments of the present application is clearly and completely described, it is clear that described embodiment is
Some embodiments of the present application, instead of all the embodiments.The application being usually described and illustrated herein in the accompanying drawings is implemented
The component of example can be arranged and be designed with a variety of different configurations.
Therefore, below the detailed description of the embodiments herein to providing in the accompanying drawings be not intended to limit it is claimed
Scope of the present application, but be merely representative of the selected embodiment of the application.Based on the embodiment in the application, this field is common
The every other embodiment that technical staff is obtained without creative efforts belongs to the model of the application protection
It encloses.
It should be noted that：Similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi
It is defined, then it further need not be defined and explained in subsequent attached drawing in a attached drawing.
In the description of the present application, it should be noted that in addition, term " first ", " second ", " third " etc. are only used for area
Divide description, is not understood to indicate or imply relative importance.
Fig. 4 is referred to, the embodiment provides a seed nucleus insurance system, the core insurance system includes user terminal 20
Server 10 is protected with core, the user terminal 20 is used to acquire the essential information of user and waits for insured amount and be sent to the core
Server 10 is protected, the essential information includes identity information, the first height information, the first weight information, caste information.
The core protects server 10 and is used for insure according to the history of the identity information acquisition user information and default throwing
Protect limit, the core protect server 10 detect it is described wait for insured amount whether in default limits, if described wait insuring
The amount of money obtains health and fitness information and financial information in the default limits, from the user terminal 20.
It is additionally operable to detect the health and fitness information and whether the financial information meets the first preset condition, if described strong
Health information and the financial information meet first preset condition, then obtain the physical examination information of user.
It is additionally operable to detect whether the physical examination information meets the second preset condition, if the physical examination information meets second in advance
If condition, then Health Category is generated according to the physical examination information, is then generated according to the Health Category and the essential information
First rate.
Be additionally operable to detect the history insure information, described wait for insured amount, first rate and the financial information
Whether meet third preset condition, if testing result is yes, generates payment information, and send core guarantor to user and complete to disappear
Breath.
In the present embodiment, essential information is acquired by user terminal 20, health and fitness information, financial information, waits for insured amount etc.
And be sent to core and protect server 10, core protects server 10 and carries out core guarantor according to the information that user terminal 20 acquires, and can reduce people
The workload that work core is protected improves core and protects efficiency.
In the present embodiment, the method that the core insurance system obtains the physical examination information of user includes：
The core protects the physical examination that server detection user uploads and reports picture；
The core protects server and detects the physical examination information from physical examination report picture.
Since the physical examination report that user uploads is graphic form, therefore in the present embodiment, core protects server and passes through image
Know method for distinguishing and reports detection physical examination information in picture from the physical examination.
In addition, when obtaining the physical examination information of user, the method that the core insurance system obtains the physical examination information of user may be used also
Think：
The core protects server 10 and sends authorization requests information to the user terminal 20.
After the core protects the authorization message that server 10 receives the transmission of user terminal 20, sends and access to the third-party institution
Request obtains the physical examination information from the third-party institution.
Since the third-party institution can preserve the physical examination report of user, therefore can be after the authorization message for obtaining user, from the
Tripartite mechanism obtains the physical examination report generation physical examination information of user, and the physical examination report of user, this side are obtained from the third-party institution
Formula has the characteristics that reliability that is convenient and efficient, while also ensuring fetched data.
Fig. 1 is referred to, the seed nucleus that another embodiment of the present invention provides protects method, is applied to core insurance system, the core
Insurance system includes that user terminal 20 and core protect server 10, below by the method includes each step explained in detail
It states.
Step S10, the user terminal 20 acquire the essential information of user and wait for insured amount and be sent to the core guarantor
Server 10, the essential information include identity information, the first height information, the first weight information, caste information.
Step S11, the core, which protects server 10 and obtains the history of user according to the identity information, insures information and pre-
If limits, the core protect server 10 detect it is described wait for insured amount whether in default limits, if described wait for
Insured amount obtains health and fitness information and financial information in the default limits, from the user terminal 20.
Step S12, the core guarantor server 10 detects the health and fitness information and whether the financial information meets first
Preset condition obtains the physical examination of user if the health and fitness information and the financial information meet first preset condition
Information.
Step S13, the core protects server 10 and detects whether the physical examination information meets the second preset condition, if described
Physical examination information meets the second preset condition, then Health Category is generated according to the physical examination information, then according to the Health Category
And the essential information generates the first rate.
Step S14, the core protect server 10 detect the history insure information, described wait for insured amount, described first
Whether rate and the financial information meet third preset condition, if testing result is yes, generate payment information, and to
Family sends core and protects completion message.
In the present embodiment, by insuring information and use to the essential information of user, health and fitness information, financial information, history
The analysis of the physical examination information at family, to judge whether user meets from kinetonucleus the use protected flow, and protect flow from kinetonucleus to meeting
Family protected from kinetonucleus, and calculates the payment information of user.
Essential information in the present embodiment includes identity information, the first height information, the first weight information, caste letter
Breath, in addition, can also include the information etc. in city where user in essential information.
The essential information of user is obtained by user terminal 20 and waits for insured amount, then by essential information and gold to be insured
Forelock gives core and protects server 10, in this way, user can be in any place initiation that can be protected server 10 with core and be communicated
Core protects flow, fills in essential information and waits for insured amount, and is sent to core and protects server 10.
Core, which protects server 10 and searches the history of user according to the identity information in essential information, insures information, and matching is used
The default limits at family.Core protect server 10 according to default limits judge user wait for insured amount whether preset insure
In limit, if waiting for that insured amount exceeds default limits, without subsequently protecting flow from kinetonucleus.If waiting for that insured amount exists
In the default limits, just health and fitness information and financial information are obtained from user terminal 20.Obtain health and fitness information and
After financial information, judge whether the health and fitness information of user and financial information meet the first preset condition, in user health information and
When financial information meets the first preset condition, the physical examination information of user is obtained.It is unsatisfactory in user health information and financial information
When the first preset condition, the physical examination information of user is not obtained, carries out blocking processing of insuring.In this way, king-sized to health risk
The user of financial requirements when user or financial situation are unsatisfactory for insuring directly carries out blocking processing of insuring, and saves follow-up core and protects
Flow.
After obtaining the physical examination information of user, first determine whether lack the first intermediate item in the physical examination information of user, with
And whether the index of physical examination information the first intermediate item for being included is abnormal, if lacking the first intermediate item or the in physical examination information
The index of one intermediate item exceeds the pre-set level of the project, then carries out artificial nucleus guarantor to the user.Otherwise, it carries out subsequent automatic
Core protects flow.
To the index of the first intermediate item or the first intermediate item is not lacked in physical examination information within the scope of pre-set level
User carries out Health Category division, and the first rate of user is then generated according to Health Category.It is detected at this point, core protects server 10
The history insure information, it is described wait for insured amount, first rate and the financial information whether meet third preset item
Part.If the history is insured information, it is described that wait for that insured amount, first rate and the financial information meet third default
Condition then generates payment information, and sends core to user and protect completion message.If the history is insured information, described wait insuring
The testing result of the amount of money, first rate and the financial information is unsatisfactory for third preset condition, just using artificial nucleus protect into
The follow-up core of row is protected.The step can further screen out the larger user of risk.
After the completion of protecting user's core, need to inform that user's core is protected as a result, the user protected by core needs according to payment
Information is paid, and could complete to insure.Therefore, in the present embodiment, optionally, the core guarantor method further includes：
The user terminal 20 protects server 10 from the core and obtains the payment information and core guarantor as a result, the core protects clothes
Business device 10 prompts user to pay according to the payment information.
In the present embodiment, after core protects the generation payment information of server 10, user can be protected by user terminal 20 from core
Server 10 obtains payment information and core is protected as a result, it is possible to which user is facilitated to inquire payment information and core guarantor's result.In addition, this implementation
In example, the core protects server 10 and prompts user to pay according to the payment information, can be that the payment process of user carries
For guiding, to facilitate the payment of user.
To avoid client's malice from insuring, need to limit user in the accumulative amount of insuring of insurance company, therefore the present embodiment
In, history information of insuring includes that user adds up that risk is insured amount, abnormal information of insuring, and exception information of insuring includes declinaturing
Information, Claims Resolution information plus charge information and special appointed information；Wait for insured amount whether in default limit of insuring described in the detection
Method in volume further includes：
The default limits is subtracted into the accumulative risk protection amount of user and obtains the default limits.User's waits throwing
Insurance money volume must be in default limits.
In the present embodiment, core protect server 10 according to the history of user insure information calculate user default limits,
Then judge user setting waits for that insured amount whether in default limits, can avoid user from adding up risk protection amount exceeded
The problem of, so that the protection amount of all insured items of user is maintained in a preset and reasonable range.
Since the health and fitness information and the financial information are obtained from user terminal 20, that is to say, that these information
It is subjective judgement of the user oneself to self health status and financial situation, for these information, user itself can become more apparent upon,
With certain reference value.Therefore health and fitness information described in the present embodiment includes the history of disease information and the first h disease of user
History information；The financial information includes the income information and liability information of user；The detection health and fitness information and described
The method whether financial information meets the first preset condition includes：
The history of disease information, first family history information, the income information and the liability information are obtained, if
There are the income information of the history of disease information or first family history information or user to be unsatisfactory for default income by user
The liability information of condition or user are unsatisfactory for default debt condition, then judge the health and fitness information and the financial information not
Meet first preset condition；Otherwise, the health and fitness information and the financial information meet first preset condition.
It, can be to the health status or finance of user by the judgement to health and fitness information and financial information in the present embodiment
Situation is tentatively judged, is brought to insurance company to reduce to insure when user health is in poor shape or financial situation is bad
Risk.
For example, if the health and fitness information obtained from user is there are history of disease information or first family's history information,
Illustrate the user likelihood ratio of health problem occur that there is no the people of history of disease information and first family's history information is high, because
This, the risk of insurance company is also larger after the insuring of user.And if the income of the income presentation of information user of user is unsatisfactory for
Default income condition or user have debt, then user may have the case where being unable to premium payment, insure after insuring
The risk of company is equally bigger.
Referring to Fig. 2, it is contemplated that some information of user are also possible to make to insure, and there are greater risks, therefore in the present embodiment
In, the core protect server 10 detect the history insure information, described wait for insured amount, first rate and the finance
The method whether information meets third preset condition includes：
Step S140 generates the second rate according to the Health Category and the essential information.
Step S141 judges that user insures information or the Claims Resolution information and the receipts with the presence or absence of the exception
Enter information with it is described wait for insured amount whether match and first rate and second rate it is whether equal.
Step S142 insures information or the Claims Resolution information, and the first rate and second if there is no the exception
Rate is equal, and income information is matched with insured amount is waited for, then the history insure information, described wait for insured amount, described first
Rate and the financial information meet third preset condition, using the second rate as payment information.
In the present embodiment, by judging user with the presence or absence of abnormal insure information or the Claims Resolution information, according to described
Health Category and the essential information generate the second rate, and whether the second rate is consistent for verifying the calculating of the first rate, and
By judging that take in information waits for whether insured amount matches with described, to which there will be abnormal information or the Claims Resolution letters of insuring
Either the first rate and the second rate be inconsistent or the income information of user and waits for the unmatched user's sieve of insured amount for breath
It elects, to carry out manual examination and verification.
The present embodiment from history insure information, the second rate, take in information and wait for many aspects such as insured amount to user
It is screened, can further judge the insurance risk of user, to ensure that the insurance risk of the user protected from kinetonucleus is protected
It holds in a reasonable range.
In view of the physical examination information of user is often obtained by the third-party institution, therefore in the present embodiment, the acquisition is used
The method of the physical examination information at family includes：
The core protects server 10 and sends authorization requests information to the user terminal 20.
After the core protects the authorization message that server 10 receives the transmission of user terminal 20, sends and access to the third-party institution
Request obtains the physical examination information from the third-party institution.
In addition, when obtaining physical examination information, can also physical examination be uploaded by user and report picture, server root is then protected by core
The physical examination report picture uploaded according to user generates physical examination information.The physical examination report picture that user uploads can be scanned copy or photograph
Piece can be by the method for image recognition from physical examination report when detecting physical examination information in the physical examination report picture uploaded from user
The physical examination information that identifies physical examination information in picture, and will identify that is accused to be stored in core guarantor's server with character style.
In the present embodiment, the physical examination information includes first kind project, and whether the detection physical examination information meets
The method of second preset condition is：Judge whether the data of any one project in first intermediate item lack, described in judgement
Whether the index of each project in the first intermediate item meets the corresponding pre-set level of the project.
If any in first intermediate item in the shortage of data of at least one project or first intermediate item
The index of one project is unsatisfactory for the corresponding pre-set level of the project, then the physical examination information is unsatisfactory for the second preset condition；It is no
Then, the physical examination information meets the second preset condition.
For example, the first intermediate item that physical examination information includes is the second height information, the second weight information, blood fat information, blood
Press information, smoking information and the second family history information.When lacked in the physical examination information of user the second height information, the second weight letter
Second in breath, blood fat information, blood pressure information, smoking information and any one in the second family history information or physical examination information
Any one in height information, the second weight information, blood fat information, blood pressure information, smoking information and the second family history information
Index be more than this index normal index, then judge that the physical examination information of the user is unsatisfactory for the second preset condition.To physical examination
Information is unsatisfactory for the user of the second preset condition, is protected using artificial nucleus.
Fig. 3 is referred to, since the accuracy of physical examination report is relatively high, can more objectively react physical condition, therefore, therefore
It can be using physical examination information as the index for judging user's insurance risk.
It is described according to physical examination information generate Health Category method be：
Physical examination information communication magnitude step S130, respectively according to preset code of points to second in the physical examination information
Intermediate item is scored to obtain the appraisal result of each second intermediate item.
The appraisal result of each second intermediate item is added, obtains overall score by step S131.
Step S132 grades to overall score according to default grading rule, obtains preliminary rating result.
Step S133 judges the project in second intermediate item whether is lacked in the physical examination information.
Step S1342 judges to lack in physical examination information if lacking the project in second intermediate item in physical examination information
The item number of few second intermediate item.
Step S1351, if the item number of second intermediate item lacked is more than or equal to project threshold value, by the use
Family switchs to artificial nucleus guarantor.
Step 1352, if the item number of second intermediate item lacked in physical examination information is less than the project threshold value,
Preliminary rating result is degraded according to preset collapsing rule, obtains Health Category.
Step S1341, if not lacking the project in second intermediate item in physical examination information, by preliminary rating result
As Health Category.
In this implementation, project threshold value refer to physical examination information the second intermediate item in institute's missing item item number.According to user
Physical examination information in multiple projects index come to physical examination information divide Health Category, physical examination report in physical examination information it is more objective
It sees, is accurate.It scores respectively each project in physical examination information, obtains the appraisal result of each project.It then again will be every
The appraisal result of a project is added, and is obtained overall score, according to overall score come divided rank, is obtained preliminary rating result.In this way, can
The case where index each with comprehensive reference, keeps the division result of Health Category more reasonable.In the present embodiment, the second intermediate item packet
It includes：Second height information, the second weight information, blood fat information, blood pressure information, age information, smoking information, blood routine information,
Liver function information, renal function information, blood glucose information, routine urinalysis information, the second family history information, ECG information and Chest X-rays letter
Breath.For example, project threshold value is set as two, at this point, if lacking any one in the second intermediate item in physical examination information,
Level-one is dropped into preliminary rating result, if lacking arbitrary two in the second intermediate item in physical examination information, will tentatively grade knot
Fruit reduces two-stage on the basis of preliminary rating result.If lack in physical examination information arbitrary three in the second intermediate item or
More, then switch to manual examination and verification by the user.
In conclusion the application can according to user terminal 20 acquire essential information, wait for insured amount, health and fitness information,
Financial information, physical examination information and history information of insuring screen the user not met from kinetonucleus guaranteed request, and to basic
Information waits for that insured amount, health and fitness information, financial information, physical examination information and history information of insuring meet from kinetonucleus and protects flow
It is automatic to carry out core guarantor, generate payment information.
In embodiment provided herein, it should be understood that disclosed device and method, it can also be by other
Mode realize.The apparatus embodiments described above are merely exemplary, for example, the flow chart and block diagram in attached drawing are shown
According to the device, the architectural framework in the cards of method and computer program product, function of multiple embodiments of the application
And operation.In this regard, each box in flowchart or block diagram can represent one of a module, section or code
Point, a part for the module, section or code includes one or more for implementing the specified logical function executable
Instruction.It should also be noted that at some as in the realization method replaced, the function of being marked in box can also be attached to be different from
The sequence marked in figure occurs.For example, two continuous boxes can essentially be basically executed in parallel, they also may be used sometimes
To execute in the opposite order, this is depended on the functions involved.It is also noted that each of block diagram and or flow chart
The combination of box in box and block diagram and or flow chart, function or the dedicated of action are based on as defined in execution
The system of hardware is realized, or can be realized using a combination of dedicated hardware and computer instructions.
In addition, each function module in each embodiment of the application can integrate to form an independent portion
Point, can also be modules individualism, can also two or more modules be integrated to form an independent part.
It, can be with if the function is realized and when sold or used as an independent product in the form of software function module
It is stored in a computer read/write memory medium.Based on this understanding, the technical solution of the application is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be expressed in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be
People's computer, server or network equipment etc.) execute each embodiment the method for the application all or part of step.
And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM, Read-OnlyMemory), arbitrary access are deposited
The various media that can store program code such as reservoir (RAM, Random Access Memory), magnetic disc or CD.
It should be noted that herein, relational terms such as first and second and the like are used merely to a reality
Body or operation are distinguished with another entity or operation, are deposited without necessarily requiring or implying between these entities or operation
In any actual relationship or order or sequence.Moreover, the terms "include", "comprise" or its any other variant are intended to
Non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only wanted including those
Element, but also include other elements that are not explicitly listed, or further include for this process, method, article or equipment
Intrinsic element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that
There is also other identical elements in process, method, article or equipment including the element.
The above, the only specific implementation mode of the application, but the protection domain of the application is not limited thereto, it is any
Those familiar with the art can easily think of the change or the replacement in the technical scope that the application discloses, and should all contain
It covers within the protection domain of the application.Therefore, the protection domain of the application shall be subject to the protection scope of the claim.
Claims (10)
1. a seed nucleus protects method, which is characterized in that be applied to core insurance system, the core insurance system includes that user terminal and core protect clothes
Business device, the core protect method and include：
The user terminal acquires the essential information of user and waits for insured amount and be sent to the core guarantor server, described basic
Information includes identity information, the first height information, the first weight information, caste information；
The core, which protects server and obtains the history of user according to the identity information, insures information and default limits, described
Core, which is protected, waits for insured amount whether in default limits described in server detection, if described wait for insured amount described default
In limits, health and fitness information and financial information are obtained from the user terminal；
The core protects the server detection health and fitness information and whether the financial information meets the first preset condition, if institute
It states health and fitness information and the financial information meets first preset condition, then obtain the physical examination information of user；
The core protects server and detects whether the physical examination information meets the second preset condition, if the physical examination information meets institute
The second preset condition is stated, then Health Category is generated according to the physical examination information, then according to the Health Category and described basic
Information generates the first rate；
The core protect server detect the history insure information, described wait for insured amount, first rate and the finance
Whether information meets third preset condition, if testing result is yes, generates payment information, and send core to user and protect completion
Message.
2. core according to claim 1 protects method, which is characterized in that the core protects method and further includes：
The user terminal from the core protect server obtain the payment information and core protect as a result, the core protect server according to
The payment information prompt user pays.
3. core according to claim 1 protects method, which is characterized in that history information of insuring includes that user adds up risk
Insured amount, abnormal information of insuring, the exception insure information including declinaturing information, Claims Resolution information plus charge information and especially agreement
Information；Wait for whether the method in default limits further includes insured amount described in the detection：
The default limits is subtracted into the accumulative risk protection amount of the user and obtains the default limits.
4. core according to claim 3 protects method, which is characterized in that the health and fitness information includes the history of disease information of user
And the first family's history information；The financial information includes the income information and liability information of user；The detection is described strong
The method whether health information and the financial information meet the first preset condition includes：
The history of disease information, first family history information, the income information and the liability information are obtained, if user
There are the income information of the history of disease information or first family history information or user to be unsatisfactory for default income
The liability information of condition or user are unsatisfactory for default debt condition, then judge the health and fitness information and the finance letter
Breath is unsatisfactory for first preset condition；Otherwise, the health and fitness information and the financial information meet first preset condition.
5. core according to claim 4 protects method, which is characterized in that the core, which protects server and detects the history, insures letter
Breath, the method for waiting for whether insured amount, first rate and the financial information meet third preset condition include：
The second rate is generated according to the Health Category and the essential information；
Judge that user insures information or the Claims Resolution information with the presence or absence of the exception and the income information is waited for described
Insured amount whether match and first rate and second rate it is whether equal；
It insures information or the Claims Resolution information, and first rate and the second rate phase if there is no the exception
Deng, the income information waits for that insured amount matches with described, then the history insure information, described wait for insured amount, described
One rate and the financial information meet third preset condition, using second rate as the payment information.
6. core according to claim 1 protects method, which is characterized in that the method packet of the physical examination information for obtaining user
It includes：
The core protects the physical examination that server detection user uploads and reports picture；
The core protects server and detects the physical examination information from physical examination report picture.
7. protecting method according to claim 1 or 6 any one of them cores, which is characterized in that the physical examination information includes the first kind
Project, the method whether the detection physical examination information meets the second preset condition are：Judge to appoint in first intermediate item
Whether the data of one project lack, and judge whether the index of each project in first intermediate item meets project correspondence
Pre-set level；
If any one in first intermediate item in the shortage of data of at least one project or first intermediate item
The index of project is unsatisfactory for the corresponding pre-set level of the project, then the physical examination information is unsatisfactory for second preset condition；It is no
Then, the physical examination information meets second preset condition.
8. core according to claim 7 protects method, which is characterized in that the side for generating Health Category according to physical examination information
Method is：
The second intermediate item in the physical examination information is scored according to preset code of points respectively to obtain each described
The appraisal result of two intermediate items；
The appraisal result of each second intermediate item is added, overall score is obtained；
It is graded to the overall score according to default grading rule, obtains preliminary rating result；
Judge the project in second intermediate item whether is lacked in the physical examination information；
If lacking the project in second intermediate item in the physical examination information, the institute lacked in the physical examination information is judged
The item number of the second intermediate item is stated, it, should if the item number of second intermediate item lacked is more than or equal to project threshold value
User switchs to artificial nucleus guarantor；If the item number of second intermediate item lacked in the physical examination information is less than the project threshold
The preliminary rating result is then degraded according to preset collapsing rule, obtains the Health Category by value；
If not lacking the project in second intermediate item in the physical examination information, using the preliminary rating result as institute
State Health Category.
9. a seed nucleus insurance system, which is characterized in that the core insurance system includes user terminal and core protects server, and the user is whole
It holds the essential information for acquiring user and waits for insured amount and be sent to the core guarantor server, the essential information includes body
Part information, the first height information, the first weight information, caste information；
The core protects server and is used for insure according to the history of the identity information acquisition user information and default limits,
The core, which is protected, waits for insured amount whether in default limits described in server detection, if described wait for insured amount described
In default limits, health and fitness information and financial information are obtained from the user terminal；
It is additionally operable to detect the health and fitness information and whether the financial information meets the first preset condition, if the health letter
Breath and the financial information meet first preset condition, then obtain the physical examination information of user；
It is additionally operable to detect whether the physical examination information meets the second preset condition, if the physical examination information meets described second in advance
If condition, then Health Category is generated according to the physical examination information, is then generated according to the Health Category and the essential information
First rate；
Be additionally operable to detect the history insure information, described whether wait for insured amount, first rate and the financial information
Meet third preset condition, if testing result is yes, generates payment information, and send core to user and protect completion message.
10. core insurance system according to claim 9, which is characterized in that the core insurance system obtains the physical examination information of user
Method include：
The core protects the physical examination that server detection user uploads and reports picture；
The core protects server and detects the physical examination information from physical examination report picture.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810615092.2A CN108765177B (en) | 2018-06-14 | 2018-06-14 | Authority method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810615092.2A CN108765177B (en) | 2018-06-14 | 2018-06-14 | Authority method and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108765177A true CN108765177A (en) | 2018-11-06 |
| CN108765177B CN108765177B (en) | 2020-12-04 |
Family
ID=64021837
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810615092.2A Active CN108765177B (en) | 2018-06-14 | 2018-06-14 | Authority method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108765177B (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109472711A (en) * | 2018-12-14 | 2019-03-15 | 平安健康保险股份有限公司 | The core of health insurance protects method, apparatus, equipment and computer readable storage medium |
| CN110232636A (en) * | 2019-04-23 | 2019-09-13 | 中国平安人寿保险股份有限公司 | One seed nucleus protects method and apparatus |
| CN110600131A (en) * | 2019-08-15 | 2019-12-20 | 阿里巴巴集团控股有限公司 | Health check method and device based on physical examination recommendation |
| CN110634568A (en) * | 2019-08-15 | 2019-12-31 | 阿里巴巴集团控股有限公司 | Health care information display method and device |
| CN110766558A (en) * | 2019-10-23 | 2020-02-07 | 泰康保险集团股份有限公司 | Method, device and equipment for processing data of underwriting and computer readable storage medium |
| CN111507853A (en) * | 2020-06-02 | 2020-08-07 | 泰康保险集团股份有限公司 | Group insurance policy and insurance data processing method and device |
| CN111626870A (en) * | 2020-05-25 | 2020-09-04 | 泰康保险集团股份有限公司 | Method, device and equipment for processing data of underwriting of cleaning physical examination piece |
| CN112488850A (en) * | 2020-11-20 | 2021-03-12 | 中国人寿保险股份有限公司 | Method and device for prepositive checking of insurance policy and electronic equipment |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2011022225A1 (en) * | 2009-08-17 | 2011-02-24 | Metropolitan Life Insurance | Online system and method of insurance underwriting |
| CN204887012U (en) * | 2015-06-30 | 2015-12-16 | 安卓（天津）科技有限公司 | System is protected from kinetonucleus to distal end control |
| CN105809343A (en) * | 2016-03-04 | 2016-07-27 | 深圳市前海安测信息技术有限公司 | Underwriting and actuarial database system used for evaluating insurance subject risks |
| CN107203942A (en) * | 2016-03-15 | 2017-09-26 | 平安科技（深圳）有限公司 | Insurance information processing method and system |
| CN107292745A (en) * | 2016-04-12 | 2017-10-24 | 平安科技（深圳）有限公司 | The data processing method and system accepted insurance |
-
2018
- 2018-06-14 CN CN201810615092.2A patent/CN108765177B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2011022225A1 (en) * | 2009-08-17 | 2011-02-24 | Metropolitan Life Insurance | Online system and method of insurance underwriting |
| CN204887012U (en) * | 2015-06-30 | 2015-12-16 | 安卓（天津）科技有限公司 | System is protected from kinetonucleus to distal end control |
| CN105809343A (en) * | 2016-03-04 | 2016-07-27 | 深圳市前海安测信息技术有限公司 | Underwriting and actuarial database system used for evaluating insurance subject risks |
| CN107203942A (en) * | 2016-03-15 | 2017-09-26 | 平安科技（深圳）有限公司 | Insurance information processing method and system |
| CN107292745A (en) * | 2016-04-12 | 2017-10-24 | 平安科技（深圳）有限公司 | The data processing method and system accepted insurance |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109472711A (en) * | 2018-12-14 | 2019-03-15 | 平安健康保险股份有限公司 | The core of health insurance protects method, apparatus, equipment and computer readable storage medium |
| CN110232636A (en) * | 2019-04-23 | 2019-09-13 | 中国平安人寿保险股份有限公司 | One seed nucleus protects method and apparatus |
| CN110232636B (en) * | 2019-04-23 | 2024-04-02 | 中国平安人寿保险股份有限公司 | Nuclear protection method and device |
| CN110600131A (en) * | 2019-08-15 | 2019-12-20 | 阿里巴巴集团控股有限公司 | Health check method and device based on physical examination recommendation |
| CN110634568A (en) * | 2019-08-15 | 2019-12-31 | 阿里巴巴集团控股有限公司 | Health care information display method and device |
| CN110634568B (en) * | 2019-08-15 | 2023-09-19 | 创新先进技术有限公司 | Health care information display method and device |
| CN110766558A (en) * | 2019-10-23 | 2020-02-07 | 泰康保险集团股份有限公司 | Method, device and equipment for processing data of underwriting and computer readable storage medium |
| CN111626870A (en) * | 2020-05-25 | 2020-09-04 | 泰康保险集团股份有限公司 | Method, device and equipment for processing data of underwriting of cleaning physical examination piece |
| CN111626870B (en) * | 2020-05-25 | 2023-07-21 | 泰康保险集团股份有限公司 | Nuclear data processing method, device and equipment for cleaning physical examination piece |
| CN111507853A (en) * | 2020-06-02 | 2020-08-07 | 泰康保险集团股份有限公司 | Group insurance policy and insurance data processing method and device |
| CN111507853B (en) * | 2020-06-02 | 2023-04-07 | 泰康保险集团股份有限公司 | Group insurance policy and insurance data processing method and device |
| CN112488850A (en) * | 2020-11-20 | 2021-03-12 | 中国人寿保险股份有限公司 | Method and device for prepositive checking of insurance policy and electronic equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CN108765177B (en) | 2020-12-04 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108765177A (en) | Core protects method and core insurance system | |
| US20070226007A1 (en) | Health service support system | |
| CN106651573A (en) | Business data processing method and apparatus | |
| CN112150298A (en) | Data processing method, system, device and readable medium | |
| CN110175990A (en) | Quality of human face image determination method, device and computer equipment | |
| CN111090833A (en) | Data processing method, system and related equipment | |
| CN107679884A (en) | Method, apparatus, computer equipment and the storage medium that group's premium is assessed | |
| CN108257018A (en) | The examining report generation method and device of insurance system again | |
| CN109522301A (en) | A kind of data processing method, electronic equipment and storage medium | |
| CN112184302A (en) | Product recommendation method and device, rule engine and storage medium | |
| CN110413881A (en) | A kind of method, apparatus, the network equipment and storage medium identifying label accuracy | |
| US11120503B2 (en) | Analysis and visual presentation of dataset components | |
| CN113592505B (en) | System for realizing suspicious transaction scene model identification processing based on combination construction | |
| US20210201403A1 (en) | System and method for reconciliation of electronic data processes | |
| CN114841792A (en) | Client credit line prediction method based on machine learning | |
| US20170039654A1 (en) | A computer implemented methodology executed by at least one processor that uses at least the names of individual Private Funds to automatically analyze portfolios of private investments and to create benchmarks. | |
| CN111199453A (en) | Product information pushing method, electronic equipment and storage medium | |
| CN113205270B (en) | Method and system for automatically generating satisfaction evaluation table and calculating evaluation score | |
| KR102485095B1 (en) | Apparatus for financial diagnosis and control method of thereof | |
| Riddell | Evaluating UK NGO projects in developing countries aimed at alleviating poverty | |
| Hisnanick | Forecasting the demand for inpatient services for specific chronic conditions | |
| CN111552814B (en) | Assessment scheme generation method and device based on assessment index map | |
| CN108170589A (en) | The support method of network platform basic data quality algorithm | |
| MX2012008865A (en) | Methods and systems to recognize quantitative mispricing of gaming markers. | |
| CN117273946A (en) | Bank financial product ranking method and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |